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Summers S: The Commercial Insurance
Buyer's Playbook

The Commercial Insurance Buyer's Playbook

How to Buy Smarter Coverage, Avoid Costly Insurance Gaps, and Get Better Results from Your Agent

Written by a successful entrepreneur who has guided hundreds of clients to six- and seven-figure breakthroughs,&nbsp;this book offers&nbsp;a grounded, spiritually aligned path to prosperity—so your&nbsp;income, your values, and your purpose finally&nbsp;match. Heal Your Money Karma is for yogis, seekers, and spiritually curious entrepreneurs who consult their astrological chart, know their dosha, or pull oracle cards for guidance—yet still feel stuck when it comes to money. Vedic astrologer and business coach Paula Crossfield reveals how inherited beliefs, ancestral patterns, and karmic imprints quietly shape your income, your career choices, and your sense of worth.&nbsp; Drawing on Indian philosophy and the psychology of money, Paula shows you how to bring your financial life into alignment with your values—without sacrificing prosperity. Weave ancient remedies like honoring Lakshmi, the Hindu goddess of wealth and prosperity, and work with planetary influences, with concrete tools like budgeting, tracking, and mindset work.&nbsp; You’ll learn how to:&nbsp; <ul><li>Spot the karmic patterns and ancestral stories that keep repeating in your finances&nbsp;</li></ul><ul><li>Use simple Vedic remedies (mantra, puja, charity, and timing) to shift stuck money karma&nbsp; </li><li>Work consciously with planetary influences on wealth and opportunity&nbsp;&nbsp; </li><li>Clarify your soul-level desires so you stop undercharging, overgiving, or playing small&nbsp; </li><li>Build practical systems—budgets, tracking, and structures—that feel supportive&nbsp; </li><li>Rewrite limiting money beliefs so your income reflects your gifts, not your fears&nbsp; </li></ul> Get ready to transform your relationship with money into one that is clear, empowered, and spiritually grounded—so your prosperity finally reflects the truth of who you are.​

Written by a successful entrepreneur who has guided hundreds of clients to six- and seven-figure breakthroughs,&nbsp;this book offers&nbsp;a grounded, spiritually aligned path to prosperity—so your&nbsp;income, your values, and your purpose finally&nbsp;match. Heal Your Money Karma is for yogis, seekers, and spiritually curious entrepreneurs who consult their astrological chart, know their dosha, or pull oracle cards for guidance—yet still feel stuck when it comes to money. Vedic astrologer and business coach Paula Crossfield reveals how inherited beliefs, ancestral patterns, and karmic imprints quietly shape your income, your career choices, and your sense of worth.&nbsp; Drawing on Indian philosophy and the psychology of money, Paula shows you how to bring your financial life into alignment with your values—without sacrificing prosperity. Weave ancient remedies like honoring Lakshmi, the Hindu goddess of wealth and prosperity, and work with planetary influences, with concrete tools like budgeting, tracking, and mindset work.&nbsp; You’ll learn how to:&nbsp; <ul><li>Spot the karmic patterns and ancestral stories that keep repeating in your finances&nbsp;</li></ul><ul><li>Use simple Vedic remedies (mantra, puja, charity, and timing) to shift stuck money karma&nbsp; </li><li>Work consciously with planetary influences on wealth and opportunity&nbsp;&nbsp; </li><li>Clarify your soul-level desires so you stop undercharging, overgiving, or playing small&nbsp; </li><li>Build practical systems—budgets, tracking, and structures—that feel supportive&nbsp; </li><li>Rewrite limiting money beliefs so your income reflects your gifts, not your fears&nbsp; </li></ul> Get ready to transform your relationship with money into one that is clear, empowered, and spiritually grounded—so your prosperity finally reflects the truth of who you are.​

Making Peace with Money and Honoring Your Soul's Purpose

Heal Your Money Karma

A ground-breaking framework that redefines price formation as the structural foundation of sustainability, The Price of Sustainability argues that 'true pricing' can restore long-term and inclusive economic viability. Through grounding in rigorous fieldwork, financial analysis, and the economic insights of Rudolf Steiner, this book exposes the reality behind today's pricing; that they are systematically falsified and don't reflect the reality of sustaining labour, nature and capital. To counter this, Andrillon introduces the concept of true pricing as a diagnostic framework, discerning when a price reflects viability, and when it conceals impending collapse. In the opening chapters, the author guides you through both the contemporary failure of sustainable development and the shortcomings of economic approaches to this issue. Transitioning from diagnosis to construction, Chapter 4 formalizes the concept of a "true price"; it argues that a price is only true if it enables the full reproduction of labour, nature, and capital across time. The following chapters present the operational core of this framework, illustrating how it can be used across sectors as a practical evaluative method. Bridging political economy, sustainability science, and economic theory while offering a highly original contribution to debates on degrowth, post-capitalism, and ecological transition, this innovative text is the perfect companion for undergraduate students, postgraduate students, scholars and policy-makers working at the intersection of sustainability, political economy, ecological economics, development studies, and accounting.

Rethinking Pricing for a Viable Economy

The Price of Sustainability

From the author of&nbsp;A People's Guide to Capitalism, a clear-eyed look at the world of cryptocurrencies, cutting through the glitz and the scams to reveal how crypto mirrors and exacerbates the crises of capitalism 
 
Cryptocurrencies have gone from being fringe investments relevant only to hardcore adherents to a multi-trillion industry with a direct line to Donald Trump's White House. The promises of crypto are wide-ranging, preying on a basic reality: people are alienated by an economic system that has excluded them and wonder if cryptocurrencies can offer a more transparent and inclusive alternative. 
 
Enter&nbsp;Crypto-Capitalism, Hadas Thier's deft, accessible examination of the rise and fall and rise again of crypto. Drawing on years of reporting on the industry, its insiders, and the ordinary people impacted by its wild peaks and busts, Thier explains how cryptocurrencies work, elucidates the context and implications of their rise, and debunks the utopian mythology that animates their boosters. 
 
By showing that systemic exploitation and domination are inherent in a crisis-ridden capitalist economy and are matters of class power, not technology, Thier convincingly cuts through the froth and the lies of financial dystopia. Along the way, she exposes the dangerous consequences of crypto's rise and offers alternative avenues for imagining what economic democracy could actually be.

The New Financial Dystopia

Crypto-Capitalism

This book aims to help readers make sense of China’s economy, a pivotal force in&nbsp;shaping the world economy, by engaging with eminent Chinese economists&nbsp;and opinion leaders on China’s historical growth, current challenges,&nbsp;opportunities, and future growth prospects.
 Providing global readers with first-hand information and insiders’ perspectives,&nbsp;the nineteen essays collected in this book were divided into six parts, addressing&nbsp;readers’ confusions on topics like: Will China continue to be a growth engine for&nbsp;the world economy?&nbsp;How can the Chinese economy solve its current difficulties like&nbsp;local government debt risk? How can China promote economic transformation
 
 and deepen reform and opening-up? What are the long-term fundamentals and&nbsp;the prospects of China’s future economic development? The contributors featured&nbsp;in this book are Shanwen Gao, Kai Guo, Xunlei Li, Justin Yifu Lin, Shijin Liu, Feng&nbsp;Lu, Ting Lu, Mabel Lu Miao, Yanliang Miao, Xiaomeng Ren, Jinchuan Shi, Xinquan&nbsp;Tu, Geng Xiao, Gao Xu, Henry Huiyao Wang, Yongli Wang, Yang Yao, Fei Yu,
 
 Daojiong Zha, Ming Zhang, and Zhu Guangyao.
 These wide-ranging discussions offer panoramic insights and perspectives on the key&nbsp;factors and trends shaping China’s economy from its continuing&nbsp;domestic transformation to the changing international environment created by evolving pattern of globalization, geopolitical realignment, and intensifying great-power competition.Henry Huiyao Wang
 , Ph.D., is Founder and President of the Center for China and Globalization (CCG). He served as Counselor to China’s State Council (China’s&nbsp;Cabinet) appointed by the Chinese Premier. He is a Distinguished Professor at&nbsp;China Foreign Affairs University and was Dean of Institute of Development&nbsp;Research at Southwestern University of Finance and Economics.
 Dr. Wang is a global thought leader on globalization, global governance and international relations. He has published over 150 books in Chinese and English. He is Chief Editor of Springer Nature’s “China and Globalization” book series.Zichen Wang
 is Deputy Secretary-General of the Center for China and Globalization&nbsp;(CCG) and editor of 
 Pekingnology 
 and 
 The East is Read
 , two influential newsletters&nbsp;on China. Previously he spent 11 years as a senior journalist, including 2.5 years&nbsp;covering the EU from Brussels. Widely published and quoted internationally, he&nbsp;holds a master’s degree in public policy from Princeton University.

This book aims to help readers make sense of China’s economy, a pivotal force in shaping the world economy, by sharing the views of eminent Chinese economists and opinion leaders on its historical growth trajectory, current challenges, fundamental aspects, and future growth prospects.
 Providing global readers with first-hand information and insiders’ perspectives, the nineteen essays collected in this book were divided into six parts, addressing readers’ confusions on topics like: Will China continue to be a growth engine for the world economy? Will sluggish consumption and a decline in real estate result in “Japanisation”? How can the Chinese economy solve its current difficulties like local government debt risk? How can China promote economic transformation and deepen reform and opening-up? What are the long-term fundamentals and the prospects of China’s future economic development? The contributors featured in this book are Shanwen Gao, Kai Guo, Xunlei Li, Justin Yifu Lin, Shijin Liu, Feng Lu, Ting Lu, Mabel Lu Miao, Yanliang Miao, Xiaomeng Ren, Jinchuan Shi, Xinquan Tu, Geng Xiao, Gao Xu, Henry Huiyao Wang, Yongli Wang, Yang Yao, Fei Yu, Daojiong Zha, Ming Zhang, and Zhu Guangyao.&nbsp;
 
 These wide-ranging discussions offer panoramic insights and perspectives on key factors and trends shaping China’s economy. These include China’s continuing transformation, as well as the evolving nature of globalization, shifts in geopolitics, and great-power competition.&nbsp;

Understanding China’s Economy: Challenges, Opportunities and Prospects

A provocative exposé of how our attention, behavior, and desires have been co-opted by the “choice box”—a curated set of options that offer a false sense of agency while funneling us down pre-determined paths controlled by a select few Choice boxes are all around us, but chances are you’ve never noticed them. Every time you click on a recommended video, rate an Uber driver, run a Google search, or invest in your 401k, you may think you’re the one calling the shots—but in reality, you’re limited to making the choices that a corporation wants you to make. Today, structured decision-making governs our lives to such an extent that we hardly see it at all. But who designs these choices, and whose interests do they serve? In Choose Your Captivity, historian Eli Cook introduces readers to the choice architects who first built these boxes and trapped us inside—from the maze-building eugenicist who invented the multiple-choice test to the marketing gurus who sold off our supermarket shelves to a few ultra-processed food giants. In less than a generation, architects like these have transformed a handful of online platforms into the richest businesses in the world. And by determining our options, controlling our actions, and even shaping our identities, they have laid the groundwork&nbsp;for the winner-takes-all game of digital capitalism that dominates us today. In a society built around the promise of free choice and personal responsibility, Cook argues, these hidden architects might just have the greatest power of all. A propulsive and vivid history, Choose Your Captivity opens readers’ eyes to the immense power of the choice box—and how to escape it.

A provocative exposé of how our attention, behavior, and desires have been co-opted by the “choice box”—a curated set of options that offer a false sense of agency while funneling us down pre-determined paths controlled by a select few Choice boxes are all around us, but chances are you’ve never noticed them. Every time you click on a recommended video, rate an Uber driver, run a Google search, or invest in your 401k, you may think you’re the one calling the shots—but in reality, you’re limited to making the choices that a corporation wants you to make. Today, structured decision-making governs our lives to such an extent that we hardly see it at all. But who designs these choices, and whose interests do they serve? In Choose Your Own Captivity, historian Eli Cook introduces readers to the choice architects who first built these boxes and trapped us inside—from the maze-building eugenicist who invented the multiple-choice test to the marketing gurus who sold off our supermarket shelves to a few ultra-processed food giants. In less than a generation, architects like these have transformed a handful of online platforms into the richest businesses in the world. And by determining our options, controlling our actions, and even shaping our identities, they have laid the groundwork&nbsp;for the winner-takes-all game of digital capitalism that dominates us today. In a society built around the promise of free choice and personal responsibility, Cook argues, these hidden architects might just have the greatest power of all. A propulsive and vivid history, Choose Your Own Captivity opens readers’ eyes to the immense power of the choice box—and how to escape it.

How Corporations Built Our Choices and Sold Our Freedom

Choose Your Captivity

The UK has an existential crisis happening before our eyes. The UK has an existential crisis happening before our eyes. The lack of leadership and the exceptional low turnout at elections are producing outcomes that is a threat to democracy. Citizenship has no relevance in a world of nomads. We aim to offer solutions to this problem.

A Civil Society Response to Counter the Tide of Populism

Reimagining Economic Growth

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

Handbooks in Economics

Handbook of the Economics of Identity: Volume 1

The pocket MBA for entrepreneurial moms and women of color&nbsp;who want to build a business from scratch, overcome financial obstacles, and shift the trajectory of their life, from a globally recognized entrepreneur, business coach, and digital educator. While starting a new business is hard for everyone—half close their doors within the first five years—it’s even harder for female entrepreneurs. Ellie Diop, founder and CEO of Ellievated Academy, Fully Funded Co., and Mommy to Millionaire, intimately knows the barriers that historically have kept women from economic freedom. She also knows how to overcome them.&nbsp; From starting her business with a single $1,200 stimulus check in 2020, to becoming a self-made millionaire in her very first year, Ellie has mastered the art of life changing entrepreneurial success—and now, with Girl, Start that Business!, she’s ready to share those secrets.&nbsp; The strategies within these pages are battle tested: Ellie has turned thousands of her clients into profitable business owners. And she’s done so by meeting them where they are. Ellie knows many women are starting from zero—no money, no business plan, no customers. What they do have is a great idea, hustle, heart, and street savvy. This non-judgmental, sassy, and whip-smart pocket MBA is what female entrepreneurs need to turn their dreams into life-changing reality.&nbsp; Let’s go, girl, start that business today!

The pocket MBA for entrepreneurial moms and women of color&nbsp;who want to build a business from scratch, overcome financial obstacles, and shift the trajectory of their life, from a globally recognized entrepreneur, business coach, and digital educator. While starting a new business is hard for everyone—half close their doors within the first five years—it’s even harder for female entrepreneurs. Ellie Diop, founder and CEO of Ellievated Academy, Fully Funded Co., and Mommy to Millionaire, intimately knows the barriers that historically have kept women from economic freedom. She also knows how to overcome them.&nbsp; From starting her business with a single $1,200 stimulus check in 2020, to becoming a self-made millionaire in her very first year, Ellie has mastered the art of life changing entrepreneurial success—and now, with Girl, Start that Business!, she’s ready to share those secrets.&nbsp; The strategies within these pages are battle tested: Ellie has turned thousands of her clients into profitable business owners. And she’s done so by meeting them where they are. Ellie knows many women are starting from zero—no money, no business plan, no customers. What they do have is a great idea, hustle, heart, and street savvy. This non-judgmental, sassy, and whip-smart pocket MBA is what female entrepreneurs need to turn their dreams into life-changing reality.&nbsp; Let’s go, girl, start that business today!

The Foolproof Plan to Turn Your Idea into Income and Change Your Life

Girl, Start That Business!

Leadership, foresight and power to win in an age of permanent disruption

The Black Dragon

Sports Economics, Management and Policy

Soccer has become "big business." The aggregated market value of the first and second division teams from the "Big 5" European Leagues (England, France, Germany, Italy and Spain) is nearly EUR12 billion. Using systematic and anecdotal evidence from the "Big 5" and additional evidence from other European and some of the South American Leagues (Brazil and Argentina), this book explores the development of soccer as the world's most important team sport and addresses competitive balance across the a large number of leagues. The book also provides the reader with a thorough understanding of the market for players, coaches and referees as well as the demand for soccer, both on TV, at the gate, and in the betting office. Finally, the economic implications of pertinent recent problems, such as hooliganism and racism, are addressed.

Most of the discussion about player salaries, head coach dismissals, stadium subsidies, ticket prices and TV contracts is not very well informed and is based on prejudices. Assembling and interpreting the relevant and available information from an economic viewpoint provides the reader with a fresh new perspective on those subjects. Econometric evidence is presented in the form of graphs and figures instead of regression coefficients and is supplemented by anecdotal evidence. "Economic jargon" will be limited to a minimum in order to give readers a more intuitive understanding of the material.

Soccer has become "big business." The aggregated market value of the first and second division teams from the "Big 5" European Leagues (England, France, Germany, Italy and Spain) is nearly €12 billion. Using systematic and anecdotal evidence from the "Big 5" and additional evidence from other European and some of the South American Leagues (Brazil and Argentina), this book explores the development of soccer as the world’s most important team sport and addresses competitive balance across the a large number of leagues. The book also provides the reader with a thorough understanding of the market for players, coaches and referees as well as the demand for soccer, both on TV, at the gate, and in the betting office. Finally, the economic implications of pertinent recent problems, such as hooliganism and racism, are addressed.Most of the discussion about player salaries, head coach dismissals, stadium subsidies, ticket prices and TV contracts is not very well informed andis based on prejudices. Assembling and interpreting the relevant and available information from an economic viewpoint provides the reader with a fresh new perspective on those subjects. Econometric evidence is presented in the form of graphs and figures instead of regression coefficients and is supplemented by anecdotal evidence. "Economic jargon" will be limited to a minimum in order to give readers a more intuitive understanding of the material.

The Economics of Soccer

Conquering the Pitch

The MIT Press Essential Knowledge series

A clear, nontechnical guide to why cryptocurrency exists, how it reshapes trust and money, and why it matters beyond speculation. How do we build trust in a digital world where institutions, platforms, and intermediaries increasingly mediate money, identity, and ownership? In Cryptocurrency and Blockchain, Marco Di Maggio offers an essential guide to cryptocurrencies and blockchains—two of the most misunderstood technological and economic transformations of the digital age. Rather than focusing on price charts, hype cycles, or programming details, Di Maggio explains why these technologies exist, what problems they attempt to solve, and why they matter for people who are not crypto insiders. Using plain language, analogies, and real-world examples, the book explains how cryptocurrencies reshape core concepts of money, property, markets, and governance. The author explores topics such as how and why Bitcoin is used as a financial fallback, what stablecoins are and how they have become critical infrastructure for global payments, and how NFTs introduced a new notion of ownership and identity on the internet. Written for curious readers, journalists, students, policymakers, and professionals, Cryptocurrency provides a conceptual framework for understanding crypto as infrastructure, not ideology—helping readers see past the noise to grasp the deeper forces reshaping money, trust, and coordination in the digital economy.

A clear, nontechnical guide to why cryptocurrency exists, how it reshapes trust and money, and why it matters beyond speculation. How do we build trust in a digital world where institutions, platforms, and intermediaries increasingly mediate money, identity, and ownership? In Cryptocurrency and Blockchain, Marco Di Maggio offers an essential guide to cryptocurrencies and blockchains—two of the most misunderstood technological and economic transformations of the digital age. Rather than focusing on price charts, hype cycles, or programming details, Di Maggio explains why these technologies exist, what problems they attempt to solve, and why they matter for people who are not crypto insiders. Using plain language, analogies, and real-world examples, the book explains how cryptocurrencies reshape core concepts of money, property, markets, and governance. The author explores topics such as how and why Bitcoin is used as a financial fallback, what stablecoins are and how they have become critical infrastructure for global payments, and how NFTs introduced a new notion of ownership and identity on the internet. Written for curious readers, journalists, students, policymakers, and professionals, Cryptocurrency provides a conceptual framework for understanding crypto as infrastructure, not ideology—helping readers see past the noise to grasp the deeper forces reshaping money, trust, and coordination in the digital economy.

Cryptocurrency and Blockchain

The Commercial Insurance Buyer's Playbook

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