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  Understanding Closing Costs -...

  Miriam Roelof Westen

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  This audiobook is narrated by an AI Voice.  
  When Sarah Martinez received the call that her offer on a charming three-bedroom colonial had been accepted, she felt a surge of excitement mixed with relief. After months of searching, she had finally found her dream home. The purchase price of $425,000 fit comfortably within her budget, and she had already saved the required twenty percent down payment. What Sarah didn't anticipate was the phone call from her real estate agent three weeks later, informing her that she would need an additional $12,000 to cover closing costs. Like many first-time homebuyers, Sarah had focused so intently on the purchase price and down payment that she had overlooked one of the most significant expenses in real estate transactions: closing costs. 
  Closing costs represent the various fees, taxes, and expenses that buyers and sellers must pay to complete a real estate transaction. These costs are separate from the down payment and can range from two to five percent of the home's purchase price, though in some cases they can be even higher. For a typical American homebuyer purchasing a median-priced home, closing costs can easily reach into the tens of thousands of dollars, making them one of the largest expenses in the homebuying process after the down payment itself. 
  The complexity and variety of closing costs often catch buyers off guard because they encompass numerous services and requirements that are essential to the legal transfer of property ownership. Unlike the straightforward nature of a purchase price, closing costs consist of dozens of individual fees that serve different purposes and benefit various parties involved in the transaction. Some costs protect the buyer's interests, others satisfy legal requirements, and still others compensate the professionals who facilitate the sale.

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  Lucky Iron Fish - A Social...

  Gavin Armstrong, Herb Shoveller

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  Research into iron deficiency and entrepreneurial determination brought the Lucky Iron Fish to cooking pots around the world. 
  When Canadian researcher Dr. Christopher Charles was studying the devastation caused by iron deficiency in impoverished populations in Southeast Asia, he discovered an innovative way to help people get iron into their diets: place an iron ingot right into their cooking pots. 
  Dr. Gavin Armstrong, a biomedical scientist and entrepreneur, built upon Charles’s findings to develop, manufacture, and distribute that ingot, which became the Lucky Iron Fish, a cost-effective solution to iron deficiency. The business thrived and the product was recognized around the world by NGOs and organizations such as World Vision, CARE International, Catholic Relief Services, and GlobalMedic. While sustaining growth through the pandemic was a challenge, Lucky Iron Fish met it head-on and now looks ahead to a bright future.

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  The Plane Parable - How to...

  Darren Richards

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  How to lift-off, lead and secede 
  Do you have a hope hidden in your heart? 
  Is there a cause you care about?  
  Do you dream of making a difference “someday”? 
  The Plane Parable is for you: a could-be, would-be, should-be leader. Lift your idea off the ground, learn to lead in turbulent times, and discover what it means to secede as you make your dreams happen and leave a lasting legacy. The world is waiting for your dream. It's time you made “someday” today. 
  “An antidote to the self-help movement that tends to emphasise personal goals for personal gain, this book will encourage and equip you to seek out a different path.”  
  Susie Hart MBE Artizan International & Neema Crafts Centre, Tanzania 
  “Darren's book is an inspiring and practical guide to authentic leadership ... empowering emerging and seasoned leaders alike.”  
  Errol Lawson Author, Leadership Coach  
  “If you are looking for guidance and motivation to make your dream a reality, you need to read this book.”  
  Paul Unsworth, Kahaila Entrepreneur, Charity CEO, Leader 
  ABOUT THE AUTHOR 
  Darren Richards is an international author, broadcaster, speaker and advisor. He’s passionate about telling stories that inspire others to make a difference. 
  As an NGO professional, Darren has mobilised thousands of volunteers and raised millions of pounds for those living in poverty.

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  Wink - Transforming Public...

  Don Colliver

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  "This book is a breakthrough, a powerful tool for anyone who cares enough to give a speech or presentation." 
  -Seth Godin, Author, This is Marketing 
   #1 Amazon Best Seller 
  • Struggle to connect when you communicate? 
  • Gripped by the fear of failure as you prepare for a presentation? 
  • Worry that you don't have the charisma to truly move your audience? 
  In Wink, you will learn to communicate more deeply and effectively than ever before through authenticity, listening, and play: the Secrets of Clown! Blue Man, touring theatrical Clown, and professional speaker Don Colliver explains simple, practical, research-based tips for preparation, nervousness, perfectionism, humor, and more. 
  But don't let your typical Clown associations scare you! Clown Presence is a heightened state of interpersonal communication—and Wink is your definitive guide. 
  Thanks to Don's popular public speaking courses delivered internally at Google and around the world, hundreds of nervous speakers have transformed into more effective communicators through Clown Presence. This book will show you how to unlock these secrets in your public speaking!Communicate more confidently, compellingly, and effectively, even in front of the most challenging audiences.Partner with your listeners so they find you more likable, warm, and engaging.Respond easily to technical hiccups, unexpected questions, and other presentation surprises.Conquer perfectionism and learn how imperfection is key to getting your audience on your side. 
  Learn to use the power of Clown Presence to more deeply connect with your audience and more successfully communicate your message. Begin your public speaking transformation and buy now!

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  Accountability Balanced -...

  Hernani Alves

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  A Business Roadmap for Modern Leaders to Create Motivated and Loyal Employees 
  “Balanced Accountability should be required reading for every manager and entrepreneur." 
  —Steve Farber, Founder, The Extreme Leadership Institute; author, The Radical LEAP, Greater Than Yourself, and Love Is Just Damn Good Business 
  The problem with how most organizations try to hold their people accountable is that they discipline when something goes wrong. But the real way to boost performance and morale is to create a healthy peer to peer accountability system.  
  The balanced accountability system is proven to reduce turnover by creating motivated and loyal employees, so they can maximize their performance instead of killing morale.   
  The best way to predict the future is to go out and create it. You'll learn: Improve Culture: Eliminate behaviors that hinder high performance.3Ps of Balanced Accountabiltiy: Embrace the power to boost morale.Modern Strategies: Address the Energy Vampire in the room (or office! 
  “Here is a roadmap helping to create high performance organizations. Having clear accountability is a crucial element to bring out the best in people and help drive your company to exceptional business success.” 
  —Dr. Robert L Lorber, Co-author Putting The One Minute Manager To Work with Ken Blanchard 
  About the Author: 
  Hernani started as a part-time employee and eventually grew to become the President for a $3 Billion Company that was regularly voted as Best Workplace. Hernani has been featured in: Stanford University, iHeart Radio, HR.com, Recruiter, Idea Mensch, CEOWorld Magazine, Conscious Company, Action NOW CFO, The Revolution, Extreme Leadership, and more.

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  Smart Brevity (Revised and...

  Jim VandeHei, Mike Allen, Roy...

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  Brevity is confidence. Length is fear. This is the guiding principle of Smart Brevity, a communication formula built by Axios journalists to prioritize essential news and information, explain its impact and deliver it in a concise and visual format. In this revised and updated edition, the co-founders of Axios have created an essential guide for communicating effectively and efficiently using Smart Brevity—think Strunk and White’s Elements of Style for the digital age.   In Smart Brevity​: The Power of Saying More with Less, Axios co-founders Jim VandeHei, Mike Allen, and Roy Schwartz teach readers how to say more with less in virtually any format. They also share communications lessons learned from their decades of experience in media, business and communications.

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