THE LIFE INSURANCE INDUSTRY IS FULL OF MYTHS. THIS BOOK REVEALS THE TRUTH.

You’re writing small policies, growing gradually, and straining for more. How do you grow your insurance business from the kitchen table to the top of the table? *It All Depends* shares what Forum 400 member Rick Demko wishes he had known when he was just starting out, from networking and marketing to hiring and leading. His experiences (and mistakes) are your shortcut.

To reach the top of the table, you must disbelieve many widespread myths. Some are client myths, like “policy illustrations are factual” or “employer-based life insurance is all I need.” Others are professional myths, like “buy term and invest the rest” and “kid plans are a waste.” These are widely known, widely believed, and false. In reality, It All Depends—because to serve your clients well you must recognize life’s complexity and design a plan with wisdom and skill. Read this book, move beyond the status quo, and claim your place as a successful insurance business owner.

“An innovative and engaging lesson in leadership.”

—Donald Miller, bestselling author of Building a StoryBrand and Business Made Simple

“A masterful blend of storytelling and leadership advice, this book offers a road map to creating a business that not only succeeds but inspires.”

—Jason Feifer, editor in chief of Entrepreneur and author of Build for Tomorrow

Learn the Secrets Top Magazine Editors Use to Build Teams, Audiences, and Brands.

In today’s crowded marketplace, selling a quality product is not enough. To stand out, businesses must tell compelling stories and build relationships with potential customers—and prospective employees—who have become evermore discerning, supporting companies that align with their own values.

While this may seem daunting, it can be done. In fact, magazine editors have mastered these skills for decades, creating trusted brands that attract loyal followers in their longtime readers and dedicated staffers, who often live out the messages of the publications in their own lives.

With more than two decades of experience building brands at the world’s largest media companies, Victor Maze pulls back the curtain, revealing the leadership secrets of top editors—many of whom have gone on to run the content and marketing departments of major corporations ranging from Netflix to Nike.

In this book, you will learn how to:

• Hire and lead a team of passionate, engaged people.
• Inspire others with optimism while articulating a clear vision and mission.
• Make tough decisions with ease using three proven frameworks.
• Cultivate a devoted audience that feels an instant connection to your brand.
• Craft a message that resonates and empowers your audience.
• Create a product that offers both style and substance.

Lead Like an Editor transforms the way you lead people, tell stories, and achieve success.

Over fifty years ago, as a teenager, I was dying of terminal cancer. I had just lost my mother to cancer and was going through terrible guilt, blaming myself for her death.

At that terrifying time in my life is when I met the Lord. It was early in the Charismatic Movement and a time of many miracles, including how I met Him and how He healed me of that cancer.

I started this book over forty years ago, but didn’t pick it back up until going through CHF one and a half years ago. One month after CHF the Lord said “pick up and finish the book.” I searched everywhere for the two-inch-thick binder that had all my original notes—but it wasn’t to be found.

So I told the Lord, “Forget it. I’m not starting from scratch.”

GOD LAUGHED.

So for the next two to three weeks, I was awakened in the middle of the night as all the old notes came flooding back. I could not go back to sleep for a minimum of two to four hours each night until I’d written pages of copious notes on my legal pad by flashlight in my bed.

At the end of that time, not only had the Lord given back all the original notes and scriptures, but had added all that He’d been teaching me as He’d humbled me in my “forty years in the wilderness.”

This book is the accumulation of that original book plus the next forty years of learning how we must first learn to walk with Papa God, by His Spirit, before we can walk in His Authority.

This book will allow the reader, as a Believer, to do the same.

I hope you find great value in the book. It may very well challenge many secular, Christian, western-world, religious, and (fake) spirituality that has been taught in the churches. It was written encompassing many scriptures, including the Greek and Hebrew, in a raw, non-typical, non-religious, story-telling, humorous, but powerful way.

I’m not a theologian nor do I claim to be one. My degrees are in Electrical Engineering, Information Technology, and Computer Science which I’ve used to run my Software Development Company for the last forty-five years.

So, this book is written from just “a regular plain ol’ believer” who’s walked with the True and Living God for the last fifty plus years by His Grace alone. Please let me know what you think after reading it.

The Daily Stand is the first book in the Just To Be Clear Teaching Series - where True Clarity is the Convergence of The Light, The Truth, and The Blood. Read more at https://just2beclear.com

#1 NATIONAL BESTSELLER

At twenty-two, Cheryl Strayed thought she had lost everything. In the wake of her mother’s death, her family scattered and her own marriage was soon destroyed. Four years later, with nothing more to lose, she made the most impulsive decision of her life. With no experience or training, driven only by blind will, she would hike more than a thousand miles of the Pacific Crest Trail from the Mojave Desert through California and Oregon to Washington State—and she would do it alone. Told with suspense and style, sparkling with warmth and humor, Wild powerfully captures the terrors and pleasures of one young woman forging ahead against all odds on a journey that maddened, strengthened, and ultimately healed her.

Oprah's Book Club 2.0 selection: This special eBook edition of Cheryl Strayed’s national best seller, Wild, features exclusive content, including Oprah’s personal notes highlighted within the text, and a reading group guide. 

One of the Best Books of the Year: NPR, The Boston Globe, Entertainment Weekly, Vogue, St. Louis Dispatch 

Has modern Christianity lost its way?
Rediscover the simple, transformative message of Jesus for a God-pleasing life.

In The Way: Living a God-Pleasing Life, explore the timeless teachings of the Sermon on the Mount as a powerful roadmap to deepen your spirituality and live a life that truly honors God. Amid the decline of traditional Christianity in the West, this book returns to the core message of love that sparked the explosive growth of early Christianity. With practical steps, principles, and insights, you'll learn how to apply these teachings to your daily life.

In this book, you will:

• Understand that God is a loving heavenly Father.
• Learn that the greatest commandment is to love God and love your neighbors as yourself.
• Discover the importance of inward-focused spirituality over external actions.
• Embrace the spirit of the law, rather than just the letter of the law.
• Evaluate people, objects, and opportunities based on what is truly valuable in God’s eyes.

The Way explores the Sermon on the Mount as a fresh, inspiring alternative to current Christian practices. It helps you incorporate Jesus’s teachings into your life, fostering a deeper connection with God.

Begin your journey to a God-pleasing life today.

Ready to reclaim your freedom and financial independence?
It’s time to build a safety net and take control of your future!

In Girl, JUMP! Building Your Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom, the author shares her powerful journey of overcoming emotional and physical abuse, along with the challenges of financial infidelity.

Drawing from personal experience, she offers a practical step-by-step guide for women seeking to escape toxic, abusive relationships and rebuild their lives--starting with their finances.

In this book, you will:

• Learn to identify emotional and financial abuse.
• Develop a healthy money mindset that empowers you.
• Create an intentional budget that aligns with your goals.
• Set up and fund an emergency savings plan.
• Implement a debt repayment plan and seek free legal assistance.

Girl, JUMP! is a roadmap to transforming your relationship with money and building the financial security you need to escape and thrive. This helps you regain control, create a brighter future, and find healing beyond abuse.

Take the first step toward freedom and start reclaiming your life!

Transform Your Relationships To Attain Lasting Success

Are you ready to build deeper, more meaningful connections and unlock your full potential?How You Leave Them Feeling: Your Foundation for Inspiring Relationships is your ultimate guide to creating impactful relationships that foster trust, respect, and joy.

Authored by experienced life coaches Lisa Ferrell and Jesse Ferrell, this interactive companion workbook offers practical tools and actionable steps to enhance your personal and professional life. With over 30 years of combined coaching expertise, the Ferrells provide a proven roadmap for success.

In this book, you will:

• Discover five guiding principles for cultivating thriving relationships.
• Learn to trust your instincts and turn life's crises into opportunities for growth.
• Master self-assessment techniques to uncover your purpose and talents.
• Gain actionable strategies for overcoming challenges and achieving greatness.
• Use interactive exercises to connect with your team, family, and important relationships.

"The 'How You Leave Them Feeling' concept transcends mere theory, providing a practical approach to relationship-building for personal and professional development. Elevate your interactions and begin transforming your life today-leave every relationship experience better than you found them."

When the storms of life seem relentless, where do you find hope?

Discover the extraordinary faith that carried one woman through unimaginable trials.

In Finding Hope When Storms Don't Cease, Valerie shares her powerful and inspiring true story of enduring unthinkable hardships. A mother facing the emotional abuse of an alcoholic husband, and the devastation of losing her two sons to drugs and alcohol while watching her dreams slip away. Valerie’s faith was tested like never before while battling the darkness that consumed her life for three years. Through this spiritual battle of good versus evil, she found the strength to say yes to God’s calling, even when it meant risking everything.

In this book, you will learn to:

• Trust God to give you the strength to endure any trial.
• Understand that life will have trials, but God is always good.
• Experience God’s grace and mercy in the darkest times.
• Believe in God’s power to restore what’s been lost.
• Find hope and peace through unwavering faith in God.

Finding Hope When Storms Don't Cease reveals the power of faith in overcoming life’s most difficult challenges. It offers a beacon of light for anyone feeling hopeless.

Discover the strength and hope that come from trusting God through life’s storms—order your copy today.

"Best manager ever." That's the feedback all leaders want from their teams. So how do you make that a reality?

Whether you're new to management or a seasoned leader, you've probably asked yourself: "Am I cut out for this?" It's not your fault. In today's dynamic workplace, the demands on managers have never been higher. With technology reshaping business practices, employees feeling stretched thin, and conflicting management advice saturating social media, it's difficult to know where to turn for support-until now.

Modern Manager will help you understand and overcome the most common frustrations that managers face. Throughout, Corina Walsh-founder of Managing Made Easy™ and experienced leadership coach-tackles the challenges and misconceptions that hold managers back, including:

1. why fear of micromanagement impedes progress,
2. the disconnect between delegation and desired results,
3. why constructive feedback conversations go sideways,
4. how to use coaching to create lasting improvement in performance, and
5. what really motivates today's generation of workers.

Corina reveals the root causes of your daily frustrations and provides real-world insights and actionable solutions to transform obstacles into opportunities for success. Are you ready to overcome your burnout once and for all?

An intimate look at writing, running, and the incredible way they intersect, What I Talk About When I Talk About Running is an illuminating glimpse into the solitary passions of one of our greatest artists.

While training for the New York City Marathon, Haruki Murakami decided to keep a journal of his progress. The result is a memoir about his intertwined obsessions with running and writing, full of vivid recollections and insights, including the eureka moment when he decided to become a writer. By turns funny and sobering, playful and philosophical, here is a rich and revelatory work that elevates the human need for motion to an art form.

Discover the Psychology of Ownership
Are you tired of watching your employees just go through the motions?
Transform disengaged teams into proactive, results-driven champions with a proven framework for success.

In Ownership Unlocked: 4 Principles to Build Self-Driven Teams That Take Initiative, Innovate, and Win, Dr. Matthew F. Wilson draws on over 20 years of leadership experience in Fortune 500 companies and higher education. A recognized expert in leadership and psychological ownership, Dr. Wilson introduces the Four Keys to Ownership framework—a practical system that empowers leaders to foster a culture where employees feel invested in their work and motivated to excel.

Inside this book, you’ll learn how to:

• Inspire your team to take ownership, boosting productivity and innovation.
• Overcome the common pitfalls that crush motivation and performance.
• Implement practical strategies to create a culture of ownership.
• Empower employees with real influence over their decisions.
• Foster long-term commitment and passion within your team.

Whether you’re a seasoned executive or an emerging leader, Ownership Unlocked provides actionable insights, real-world examples, and leadership strategies to unlock your team’s potential and achieve extraordinary results.

"A game-changer for leaders looking to build a high-performing, ownership-driven workforce."
– Barry Lyon, CEO of Industrial Physics

Don’t settle for mediocrity. Unlock your team’s full potential—and lead them to greatness!

Winner of the Baillie Gifford Prize for Nonfiction and of the Goodreads Choice Award for History & Biography

The award-winning, best-selling book that changes the narrative of the “Ripper” murders forever

Polly, Annie, Elisabeth, Catherine, and Mary Jane are famous for the same thing, though they never met. They came from some of London’s wealthiest and poorest neighborhoods, from the factory towns of middle England, and from Wales and Sweden. They wrote ballads, ran coffeehouses, lived on country estates; they breathed ink dust from printing presses and escaped human traffickers.
What they had in common was the year of their murders: 1888. The person responsible was never identified, but the character created by the press to fill that gap has become far more famous than any of these five women. Now, in this gripping narrative of five lives, Hallie Rubenhold finally sets the record straight and gives these women back their stories.

Unleash Your Entrepreneurial Spirit!

Transform Your Passions into Profits!
Are you tired of the daily grind and ready to break free? How to Find Your Side Hustle is your essential guide to discovering a side hustle that aligns with your passions and lifestyle.
In this book, you will:

• Discover Your Perfect Side Hustle: Uncover your hidden talents and find a profitable niche.
• Achieve Financial Clarity: Set clear financial goals and explore funding options for success.
• Step-by-Step Startup Guidance: Get actionable advice on launching your side hustle from scratch.
• Avoid Common Pitfalls: Learn how to navigate challenges and keep your side hustle thriving.
• Unlock Your Side Hustle Potential: Align your personal goals with marketable skills to create a business you love.

This book is your roadmap to financial freedom and fulfilling your entrepreneurial dreams. Packed with practical methods and compelling insights, it equips you with the tools to turn your hobbies into profitable ventures.
Ready to take the leap? Dive into How to Find Your Side Hustle and start your journey towards a life of passion and profit today!

Are you ready to break free from financial stress and start building wealth?

Wake Up and Take Control of Your Financial Future!

With over 30 years of experience in the financial industry, Joseph Quigley, a wealth advisory expert, has helped countless individuals achieve financial success by mastering the art of saving and investing.

In this book, you will learn how to:

• Develop the discipline to save effectively and consistently.
• Create a simple, actionable budget to avoid unnecessary spending.
• Protect yourself from financial pitfalls by prioritizing savings.
• Implement short, intermediate, and long-term savings goals.
• Build wealth faster by paying yourself first.

Wake Up To $aving! provides actionable steps and clear guidance to kickstart your savings journey. No more confusion or overwhelm—just simple, powerful strategies to help you save and invest smarter. Whether you're starting from scratch or need a refresher, this book will inspire you to take control of your finances.

Buy Wake Up To $aving! now and start applying simple, powerful strategies to grow your wealth. Make the smart choice—invest in your future today!

Do you think you are capable of working alongside your spouse or life partner while having responsibilities at home with your kids?

In The Power Couple, Dr. Richelle Peña and Dr. William A. Peña share their story of building a thriving business empire while raising a family and overcoming a couple of life challenges.

Discover the unique bond that brought them together as business partners and learn how they weathered the storms of entrepreneurship while nurturing their young family. From humble beginnings to becoming pioneers in pediatric dentistry, Richelle and William reveal the secrets behind their success: innovative thinking, steady faith in God, and a relentless commitment to their vision.

Through candid anecdotes and personal insights, Richelle and William provide a behind-the-scenes look at creating a multi-location organization, facing the brink of failure, and coping with the health consequences of stress. Despite the challenges, they emerged stronger by prioritizing their values through the G.F.B. Principle (God, Family, Business).

In this book, you will learn:

• Opening, managing, and scaling a business requires sacrifice, dedication, hard work, and passion.
• How to start working with your life partner is a significant decision that requires careful consideration of compatibility.
• How to establish a framework for your professional relationship as partners in entrepreneurship is crucial.
• Importance of dedicating time to properly set up your business to achieve balance with personal endeavors.
• How to prioritize your life with a hierarchy to focus your attention and efforts effectively.

The Power Couple is a blueprint for anyone striving to balance the demands of work, family, and personal well-being. Join Richelle and William as they share the lessons learned from their journey, offering hope and guidance to those facing similar struggles. Get a copy now!

Looking for a gentle way to stay active?

Chair Yoga for Seniors Over 60 offers a step-by-step guide with simple, seated exercises to improve mobility, flexibility, and heart health—all easily incorporated into your daily routine!


This empowering guide is designed for seniors who want to enhance their mobility, balance, and overall health without strenuous workouts. With over 90 illustrated poses and a 28-day challenge, you’ll discover how to transform your body in just 10 minutes a day. Whether you're new to yoga or looking for a gentle fitness routine, this book offers a clear, approachable plan to help you regain strength and confidence.

Each exercise is carefully crafted to support flexibility and wellness while ensuring safety. Start your journey toward a healthier, more active lifestyle—feel the difference in just a month!

• Includes a tracking journal to monitor progress and stay motivated throughout your journey.

Discover the Benefits of Chair Yoga for Seniors

Chair yoga is an accessible, low-impact exercise that enhances mobility, flexibility, and balance—all essential for maintaining independence and preventing falls. This gentle approach allows seniors to perform poses while seated or using a chair for support, making it ideal for those with limited mobility. Practicing chair yoga daily can increase energy, ease stiffness, and boost overall vitality from the comfort of home.

Why Choose Chair Yoga?

• Gentle on Joints: Designed to minimize joint strain, making it ideal for those with arthritis or limited mobility.
• Improves Flexibility and Balance: Boosts flexibility and balance, reducing the risk of falls and improving day-to-day mobility.
• Promotes Mental Wellness: Incorporates mindfulness and relaxation, which reduce stress, anxiety, and enhance mental clarity.
• Strengthens and Stabilizes: Builds strength, improves posture, and enhances stability through seated and standing poses.
• Adaptable for All Levels: Easily adjustable to meet any fitness level and personal needs.

Why is Chair Yoga Growing in Popularity?

• Easy to Practice Anywhere: Requires no special equipment and can be done at home, in community centers, or senior facilities.
• Encourages Social Engagement: Group classes foster a sense of community, offering a space for seniors to connect.
• Supports Holistic Health: Emphasizes physical and mental well-being for a balanced approach to senior fitness.
• Healthcare Professional Approved: Increasingly recommended by doctors as a safe, effective option for staying active.

Do you desire to reach your children's hearts rather than just change their behavior?
Discover a biblical approach to cultivating Christ-like character in your children!

Off with the Old, On with the New: A Biblical Guide to Cultivating Character in Your Children teaches parents how to guide their children through a transformative, simple practice to help them replace negative traits like complaining, foolishness, and selfishness with the character of Christ. This Bible-centered resource provides parents with clear guidance, discussion points, and tools for promoting positive character formation in their children.

In this book, you will:

• Discover an intentional way to bring your children up in the discipline and instruction of the Lord.
• Learn how to encourage true heart transformation rather than mere behavior modification.
• Gain vocabulary to identify both positive and negative character qualities.
• Be equipped with a consistent discipline method for addressing undesirable behavior.
• Learn a simple practice to teach your children to develop Christ-like qualities.

Off with the Old, On with the New offers practical guidance for parents seeking to foster deep character change in their children, rooted in biblical principles. This empowers parents to confidently nurture their children’s spiritual growth and development. Intentional discipleship and consistent discipline more often than not lead to a home characterized by love, joy, and peace.

Be empowered to foster such an environment and confidently nurture your children's spiritual growth and development!

A portion of the proceeds of the sale of this book will be given to Jennifer's Harbor.
https://www.jennifersharbor.org/

Following his mountain-top experience, history records that the prophet Elijah ran
from the Lord and prayed to die. Isolated in the wilderness, the Lord
responded to his exhaustion with these words of affirmation, "The journey is
too much for you." When the Church is experiencing disillusionment and
discouragement and tempted to stray from God's presence and voice, we, too,
are at risk of calling it quits. How will you endure when exhaustion reaches its
climax and your journey is too much?
In When the Journey Is Too Much, Terri Woolbright explores the many
distractions that push us further and further from God and more at risk of
falling away. The theme of "exhaustion" is brought to light as we look at Elijah,
Peter and David, among others, and observe how God responded to each of
them when they found their journeys to be too long.
Woolbright tells of encounters with others expressing discouragement and
a desire to throw in their spiritual towels and call it quits; she shares the
message that God sent her: "The Enemy is attacking the Church today,
beginning with leaders, and he's hitting below the belt. He'll convince them to
quit." We'll explore this, and Christ prophesies that many will fall away from Him while
exploring the disguises of quitting. Woolbright's stories and
experiences will challenge us to remove any pretense and lean into God's
presence, and find encouragement together to create a culture where the
Church can heal and endure when our journey is too much.

Unlock the Power of Community to Build Wealth and Drive Change

Transform obstacles into opportunities by leveraging the strength of partnerships and entrepreneurship.

In Pivot: The Power of Creating Wealth through Community Coalitions in Nonprofit Entrepreneurship, discover how building strong connections and embracing change can lead to personal and professional breakthroughs. This guide provides you with the tools and mindset shifts needed to create lasting success, especially in the nonprofit sector.

In this book, you will:

• Learn how to start a successful nonprofit business from the ground up.
• Master mindset techniques that help you overcome fear and embrace change.
• Understand the importance of teamwork and the circle of influence.
• Discover the incredible power of community coalitions and partnerships.
• Harness your network to drive sustainable growth and wealth.

Pivot provides the roadmap to achieving wealth, resilience, and confidence through collaboration and purpose-driven entrepreneurship.

This book empowers readers to embrace change and lead with confidence.

Start your journey to success and impact today!