Think and Grow Rich

Not many people have the capacity to use the power of positive thinking. Meaningless mind-chat cannot break the chains of poverty, low self-esteem and lack of creativity.

How often do people hear that phrase, think positive and good things will follow? Unfortunately, many of us continue being faithful to the old, self-destructive habits and thoughts, neglecting the transformation call. The author of “Think and Grow Rich” – Napoleon Hill clarifies that his formula for success derives from the legendary financial expert Andrew Carnegie. Life waits for no one, as soon as you are full grown, important decisions are lurking behind the corner – something that Andrew shared with a little boy called Hill – back in the days. The legendary corporate leader sensed something special in him, and unselfishly “cut the pie” into two pieces by giving out the fortune-generating formula. This early advice motivated the young boy to become the next self-reliant “secret-holder”. In this book, the formula is torn down to shreds in order to explain the point in details.

Shortly after the first meeting, Andrew challenged him to write, design, and publish a book which will cover all of the necessary financially related, mind-blowing aspects of his formula. Bonded by a promise, Napoleon Hill had no other choice than to start fulfilling the promise he gave that day. It took him around two decades to study people’s behavior, habits, philosophies, etc. The research was an exhausting process that ultimately produced the long-expected results. Studying their every day, ordinary, man/women is one thing, but his energy and attention were aimed towards those so-called corporate stars. He spent countless of hours, investigating their daily routine, how they cope with pressure, and what tactics they use to make their businesses run right.

Among the stars, names like Theodore Roosevelt, John D. Rockefeller, F.W. Woolworth emerged from somewhere. They were the guys who pulled strings; politics met entrepreneurship on controversial ground generating the same results. The most compelling evidence of their leadership abilities lies within their decision-making nature. Carnegie spoke and underlined few of the world’s greatest contributors at the time and explained Hill, what it takes to be listed among those individuals. “Every Big Journey Begins with the First Step” – that first step indicated a simple idea. Thoughts are the most reliable tool if used with utmost care. With this in mind, a person may evolve only if that individual is able to interpret failures as experiences.

Such an approach has fully transformed the young and passionate Napoleon Hill. He felt a wave of inner-call and love which no words can describe. The author of this 1920s classic will give you guidance like a father would do to his only child. In honor of his mentor, this book covers first-class breath-taking collection of lessons – all originate from the critical-thinking skills of Andrew Carnegie. These tips range from – daily practical things to mystical interpretation of universal powers and influence. Don’t get bored if some of the content gets a little repetitive because repetition is the only way to impart wisdom on others. GetNugget prescribes this classic compendium to every person on this planet who is “stuck in the corporate prison” with little room for a getaway.

Who is this book for

The 21st century, known for its self-help madness, is a mere reflection of the 20th-century uniqueness. A hundred years ago, Napoleon saw the little magic emerging from one’s mind. He then, gently improvised, examined and observed the surroundings to get a realistic picture of what the society desperately needs. With the help of Andrew, a success formula was developed which later on will represent the foundation of every self-help material ever created.

For the most part, the author refers to real life-examples which people find them attractive, logical, and in some rare cases even laughable. A time to expose your bad habits has come, don’t run away for cover – because instinctively the mind forces you to do precisely that. For instance, if you’re working from sunrise to sunset, burning the midnight oil once in awhile, then you are the perfect candidate for reading “Think and Grow Rich”. Whatever your story might be, if you are not feeling happy, don’t waste any time – use Andrew’s formula. “The world needs a new race of people, called the happy ones. If you want to join the club, transform your mindset and become in-tune with yourself.

Author’s expertise and short biography

Napoleon Hill was born on October 26, 1883, and passed away 87 years later on November 7th, 1970. He was an American-born newspaper reporter, self-help writer, and a lawyer. Andrew Carnegie played a big part in Hill’s life; his ideas motivated him to write the “Think and Grow Rich” book.

Key Lessons from “Think and Grow Rich”

1.      Master your mind and feel the power
2.      Sexual energy has business purposes
3.      Guide yourself by your Imagination

Master your mind and feel the power

The mind has no shortage of layers. Group cohesion is better than any individual talent that separates from the team and works individually. The combination of thoughts, plans, ideas, vision, strategies is proven to be one very resilient force, which can lead people to prosperity.

Sexual energy has business purposes

Sexual desire has stimulant effects on businesses, not to mention happiness. The ability to transfer your sexual energy into organization tasks can lift up the company in so many ways. If properly applied, there is little room for failure because passion can drive your business forward, better than anything else. Use this vigilant energy, to evoke change in others as well.

Guide yourself by your Imagination

Nothing in this world can even compare with the impact of imagination. It acts as a mind-factory which plays on two fields: rationality and creativity. Merging of these two can create a “deadly” force for improving the generating-ideas potential.

If you feel like this is the book for you, feel free to contact us for further information. You can download our mobile app and share your experiences with us. Between you and your book, there is a one-click delay – check it on Amazon.

How to Retire Happy

Retirement plan still draws a lot of attention among the people. Despite various benefits, it has one primary objective: to help you remain active by maintaining close relationships with other people. However, you should know that retirement doesn’t come free of cost.

Not just America, but the entire world has suffered changes to the process of retirement. World population is also transforming each decade because people are living much longer than in the past. The system must be adapted to the newly presented living situation. Sometimes people start a second career as a result of the low pension income they receive. Driven by fear or a desire – it doesn’t matter. These life-dilemmas are occurring more often to each person once that individual reaches the stage for retirement. Retirement is aided by tax-deferred savings procedures and other pension funds. Banks now struggle to compete against these insurance funds, due to the interest rates these companies have to offer. Despite the financial point of view, the people are more concerned with the personal aspect of retirement – and how to get the best out of it. The easiest way to begin doing that – start planning.

Ask yourself questions about your future goals to decide on the best retirement approach for you. The author doesn’t concentrate only to those 60-year-old persons, but to everyone. Start the process by asking yourself – Am I ready to retire? Consider all the advantages and cons, depending on your current age, financial possibilities, momentary health, family situation, the complexity of your job, etc. A smart person will analyze the situation before making any conclusions. Take into consideration various factors affecting the process of a successful retirement and become fully informed. Once you have all the tricks up your sleeves, you are ready to decide your future.

Stan Hinden – the author of “How to Retire Happy,” contributes to the society by providing valuable pieces of information (or specifies where to look for them) to one of the biggest financial dilemmas of the 21st century. People in the U.S are facing difficulties related to their productiveness at work. Somehow the imperialism today enforce strict laws on the American society leading to the ultimate questions? When are you going to retire? Does your family support you? Are you going to be comfortable with the benefits that Social Security and pensions provide? Do you trust your company’s savings plans? Have you invested a sufficient capital for such occasions? Perhaps, the most awkward question of all – How would you manage to cover the expenses for medical treatment (if you ever need to)? Hinden’s generally straightforward and transparent writing style addresses the public concisely. You can forget about your financial plans which are meant to cover some of your expenses in the future. The emphasis is placed on the retirement process and everything associated with it. GetNugget prescribes this “retirement manual” to the entire American population; a book enriched with clear tips capable of guiding the Americans.

Who is this book for

Even the most skeptical portion of the American society will find this magnificent book amusing and educational. Author’s valuable tips and hints are meant to take you up to a whole new level of understanding retirement. Even though we think that the country we live in, is obligated to deal with this matter, it’s not always so. You are the manager of your pension fund; take care of your future by investing in education. Every individual in this world is responsible for its life-savings including pension. To afford the best possible retirement period start planning now. Many tax-deferred and pension fund savings programs facilitate retirement; it’s up to you to choose the best one for yourself. First analyze the reasons which drive you to adopt such an action, including to decide what will you do after you enter the period of rest. Overcome your doubts and start investing in yourself and family. Face your fears and retire happy, even if it is not your time yet, start preparing. This is the best-equipped book if retirement is your primary concern!

Author’s expertise and short biography

Stan Hinden is a prominent writer who worked at the “Retirement Journal,” in which he focused on dilemmas related to the issues and challenges of retirement. The American University School of Communications has granted him honors for his endless financial reports from which small and big businesses have benefited. A new perspective was born related to retirement and the possibilities linked to it. Before retiring, he spent more than two decades at the Washington Post, including several years as a financial consultant and columnist.

Key Lessons from “How to Retire Happy”

1.      Is now a good time to retire?
2.      Should I continue investing after my retirement?
3.      How to withdraw my money?

Is now a good time to retire?

Your next decision is critical. Don’t rush into conclusion and carefully approach the seriousness of the retirement process. The only question worthy of your time and effort is – Have I raised enough funds to make this retirement possible or should I continue to invest? What would be my monthly income? Answer these two questions, and you’ll become aware of your present financial situation.

Should I continue investing After my Retirement?

Evaluate your total retirement savings to find financial gaps. Once you discover their existence, you can adopt a new money-saving policy by investing somewhere else. The new system must represent your interests; don’t run away from risks, depending on your financial knowledge consult yourself with someone more experienced on the subject.

How to withdraw my money?

There are two main types which reflect two different kinds of personalities. One of them known as payment from the employer indicates a system in which you take the sum that you require. The other one, relatively familiar to each American is monthly payment (according to different saving plans). There is no rule to follow, think about your needs and make your decision.

If you feel like this is the book for you, feel free to contact us for further information. You can download our mobile app and share your experiences with us. Between you and your book, there is a one-click delay – check it on Amazon.

The Great Boom Ahead

Have you ever heard of the baby-boomers’ spending patterns? If the answer is yes then, you are among those rare individuals capable of predicting the economy, be aware that depression is lurking around every corner if you quit spending.

Don’t take for granted every economist, who fiercely hold on to the theory (and endorse it) – that the economy is and has always been elusive and unpredictable. New techniques which evaluate the boom’s effect generated by the people –  on the economy, advise that probably the U.S. is in for a lengthened economic growth (despite nation’s debt), predicted to last throughout the coming decade also. The pessimists are so wrong because they think – some business cannot lure investors from various reason, which are entirely false. The greatest economic boom in history positioned the U.S. somewhere in the middle between prosperity and debt. Financial analysts identify these long-term trends as easy to foretell.  

What do you know about the Generation Wave? Have you heard about the relation between economy and “The Generation Wave”? The “Wave” is not just a part of financial secrecy, but also it represents a good way to understand the concept of economy entirely. For instance, every other economic revolution or trend is just a branch; the roots belong to it. The Generation Wave demonstrates how people adapt to new economic times and how is the economy influenced by people from different ages. As you can clearly see, the cycle remains predictable. Each generation contributes to the society by inventing something new; new values are being formed – whether technological, financial or social it doesn’t matter. Just like in 1928, a year before the Great Depression, the spending power has reached its peak once again. This situation undoubtedly stimulates the birth of a modern economic boom. USA has the greatest economists who see the Generation Wave as just another tool responsible for the current U.S. prosperity, a true representative called – the baby boomer.

Harry S. Dent, Jr.’s masterpiece is unique both for the precise predictions and for the simple model upon which those prognoses depend. Written in the early 90s, it alleges a theory concerning the big family of “trend” books written by vocabulary geniuses of Alvin Toffler and John Naisbitt. Their work foresaw the digital era of super dynamic markets, which is predicted that it will continue in the years to come. The term or sentence “The crystal ball drops a few items” has a meaning incomprehensible to many. It indicates that several years have passed since the first publication. Even so, it provides the people with an accurate macroeconomic forecast, and it is an “investment device.” If you’ve just felt an urge, or if you sense some eagerness to learn more about the New Economy, this is the perfect book for you. “The Great Boom Ahead” is a classic masterpiece, highly recommended for those people keen to understand the United States’ period of record-breaking economic prosperity (and Japan’s difficult times).

Who is this book for

Perhaps the new generation has more possibilities, lots of things to enjoy, so you should ask yourself – Can the population handle the new Boom, which is “raging” ahead. Regardless of the economy and its ups and downs, the population must find a way to answer the difficulties of today. The straightforward projections of the new baby-boom generation spending fee will lead to a massive economic expansion in the first half of the 21st century. Don’t take hold of this theory blindly; the prosperity carries its own “taxes” which we as a population must pay. The banks support the imposed need for something – which by now is a part of our genes (technological needs, for pleasure, or real estate), they look for credit-worthy persons to make the world spend and lend money unpredictably. By using the proper tools as Harry S. Dent, Jr. advises, you can precisely predict the economy. As said earlier, this book is not just an answer machine for economists. To comprehend every aspect of the modern economic boom, you should study the Generation Wave of population growth, and in what way people spend their money – analyze their behavior.

Authors’ expertise and short biography

Harry S. Dent, Jr is an American-born financier and a newsletter writer. He was born in 1950 in Columbia, South Carolina – his father Harry S. Dent, Sr was involved in politics. After receiving a college degree from Harvard University, Harry started his personal business as the Founder of HS Dent Investment Management – company located in Tampa, Florida. He is also a person who uses its business experience to influence and manage a few small businesses. There is nothing predictable about him, known for his controversial approach and innovative techniques; he explains his mission as: “Allowing people to see and understand the change.

Key Lessons from “The Great Boom Ahead”

1.      The New Wave and its features
2.      The Birth of an Idea
3.      Human Model Forecasting is not trustworthy

The New Wave and its features

The occurrence of the Generation Wave led to the creation of another: The newly established Innovation Wave. Each generation must contribute to the common technological good. These innovations are guided by an “S” curve – an innovation stage with restricted adoption, a growth stage, and ultimately maturity stage – representing stability.

The Birth of an Idea

No other factor has that much influence on the economic growth as the birth rate. For instance, if you project the birth rate fifty years in advance, you will recognize any given generation’s peak of financial activity or Spending Wave.

Human Model Forecasting is not trustworthy

Predicting the future is not an easy thing to do. However, the projecting of trends is a job for the Human Model of Forecasting, which by the way provides not very reliable predictions. The process is merely logical – economy improves, the gain increases.

If you feel like this is the book for you, feel free to contact us for further information. You can download our mobile app and share your experiences with us. Between you and your book, there is a one-click delay – check it on Amazon.

The Little Book of Common Sense Investing

The author-John C. Bogle has the perfect stock tip for investors: Stop investing in any individual stocks. Diversify your portfolio, purchase an index fund and use the entire market.

Benjamin Graham represents the new age of investment; as one of the most astute capital managers, this book sounds like a real piece of investment advice. He refers to investors’ limited knowledge and expertise in the area combined with lack of training for making proper investment decisions. Economists and financial executives in global companies must be able to conclude profitable businesses based on momentarily stock offerings. Graham even mentions: All shareholders have to know how to predict the variable value of stock and exchange rate for the benefit of the company.

Do you think today’s brokers have such an ability? According to Graham, the society is dealing with economic crisis and dangerous policies which inflict conflicts causing lack of prosperity. World’s uncertainty brings us challenges that we can’t handle, thereby, the people are witnessing rivalries of large scale. Benjamin advises its readers to understand the economy and to remain persistently conservative in their stock related decisions. As an investor, you should create a “defensive portfolio,” an excessively expanded selection of diversified stocks. He fiercely opposes the idea of purchasing and reselling stocks. If you want money, you should stick to the old long-term approach. Graham’s warns investors and contradicts their habit to heavily rely on self-proclaimed brokers who make a fortune through trading commissions. These brokers’ financial interest is addressed only towards short-term investments; your long-term financial opportunities may vanish if you consider them as your representatives.

The world’s largest fund company Vanguard Mutual Fund Group was founded by John C. Bogle (CEO and Chairman of the company at the time)- the author of “The Little Book of Common Sense Investing.” In the 70s, he realized that by conceptualizing, it is possible to develop the first-ever index fund for any individual investor, and that is exactly what he did. This breathtaking investment product created a domino effect, and gradually it revolutionized the marketplace. Dr. Paul Samuelson of M.I.T, declared- “The creation of the first world’s fundamental indexing fund by John Bogle is equally important as the invention of the alphabet and the wheel.”

Today’s worth speaks for itself, almost 1 trillion dollars are invested in index funds. If you are not convinced yet, you should listen what investment genius like Warren Buffett, Nobel Laureates Samuelson, and Daniel Kahneman has to say and why according to them this is the most profitable approach that an investor could employ. Despite Buffett’s opinion, Bogle also explains what index funds precisely do and how they can improve a person’s financial stability in this frazzled marketplace. A good book is composed out of facts, well-researched material, and carefully explored ideas. You know what they say: Invest in yourself, that is the best ROI you could ever get.

Who is this book for

Supposedly, we already know the main reason that motivated Mr. Bogle to write this book. In fact, we have no clue. Do you know why? John C. Bogle spent his entire life serving the community, a lot of effort and energy was spent on social accountability because he wanted to give something back to the world. His accomplishments give him the credibility to point some mistakes that we often make. Bad decision-making was probably the only cause that inspired John to write this exceptional masterpiece. It doesn’t matter what your professional preferences are, what does matter is your ability to handle the stock market. Sooner or later every individual wishes to play that game. What is the best way to win? Train and be prepared. This book is intended for all people, in particular for individuals eager to learn the secrets of investment, and ready to apply them in their lives.

Author’s expertise and short biography

John C. Bogle was born in the late 20s or precisely May 8th, 1929. He is an American-born investor, philanthropist, writer, and businessman who spent his childhood in Montclair, New Jersey. The great depression that took place in the 30s affected John in numerous ways; his parents were forced to sell their house, and they got divorced. The Economic crisis was the turning point in John’s life. He used it to learn more about economics and investments. Later on, John C. Bogle became the creator and founder of the largest mutual fund companies in the entire world and TIME has even named him as one of 100 most influential individuals in the world. He is also the author of several bestsellers related to economics and investment.

Key Lessons from “The Intelligent Investor”

1.      Beat the time, be a decision-maker
2.      Maintain a positive Saldo
3.      Find the hidden costs

Beat the time, be a decision-maker

When you think of risk as an entire entity – beyond time (short/long term stocks) – American corporations have developed strong business basis. Statistics express the investment process as a phrase in the U.S which refers to the “buy-and-hold method”; American capitalism takes all the credit for that economic phenomenon. Investors must think smart, and be influential decision-makers.

Maintain a positive Saldo

Investors operating in stock markets rarely receive the overall ROI that they expect, lack of training and expertise in the area can lead to poor stock choices and increase the lost. These officials must deal with management fees, sales loads, brokerage commissions, and still maintain a positive Saldo at the end of the day.

Find the hidden costs

Sometimes troubles occur because investors cannot assess the financial expenses that arise from investments. Many hidden costs appear as soon as a purchase is being made, leading to disappointment and frustration. For instance, taxes on stock market profits.

If you feel like this is the book for you, feel free to contact us for further information. You can download our mobile app and share your experiences with us. Between you and your book, there is a one-click delay – check it on Amazon.

The Little Book that Beats the Market

Stock market information has a smooth flow so that anyone could grasp it and value investing tips helpful for brokers, economist, and other law-abiding citizens –Benjamin Graham: Just believe in magic!

For instance: Jason has developed one unique and ultra-effective business model. One young boy built the foundations of this model; profit-orientated. His everyday routine was composed out of purchasing several chewing gum packs for 25 cents each. Every package consists five same sticks of gum. Jason designed a “retail” business by selling his sticks of gum separately for 25 cents apiece, leading to a 1$ dollar profit on each pack. If it sounds weird, you should be aware of the fact that before Jason finishes his high school education, can earn up to 3,000$ in profits just be re-selling gums. Now, the real question arises? Are you willing to invest in Jason’s company and would be his price? – Of course, you understand that Jason doesn’t have a company and this is a stock market tricky question, not some straightforward matter. It is vital to think about the actual value of Jason’s imaginary gum empire. You should learn how to manage your money properly and how does the stock market functioning. What are your thoughts on investing in Jason’s enterprise overall?

To own half of Jason’s company, you would have to pay 1,500$ right? Well, not exactly! That price would only return the money to you. So, it is not logical that Jason would accept less, but the situation compels him to redefine his demands. The stock market plays a different game, the real worth of something is defined by several factors, the most important among them all is Jason’s opinion about his chewing gum business. Shareholders must think and discuss various possibilities over and over again, only to understand the stock market a little better. When you buy a stock, you are purchasing a business, and now you are responsible as any other shareholder. Whether you make the right call, or not you’ll face the consequences of your decisions.

Every book has its “magic formula” capable of delivering the main point. The author Joel Greenblatt wanted to express the value of right investments in an evident, transparent way in the stock market. Contradictory to many authors who focus on numerous investing formulas and strategies for financial success, Joel is unusually sincere in any stock related discussion in which, he clarifies the difficulty of beating the market. According to some, the merit of Joel’s book doesn’t come from its financial formula for prosperity (which has its roots from Benjamin Graham’s commercial approach), but rather it is a guide, a step-by-step book ready to bring you closer to the fundamentals of investing. Easy-readability must be an imperative for every author since Joel made this stock market book understandable for a 10-year-old kid, he accomplished a lot already.

Who is this book for

“The Little Book that Beats the Market” is an interesting, engaging and conventional work with lots of examples intended to answer all your questions, clarify your financial mysteries and deal with the uncertainty of the stock market that intrigues the people. So, which personality would become the perfect fit to get the best out of Joel’s book? Perhaps, the students. The young adults with the sharpest mind and open mindset are the target group of the author who by the way doesn’t disregard other people. His book is intended for all those motivated people, ready to indulge life by managing their money properly.  Economic crises and financial collapses play its part, but not taking a risk is also a risk. According to research, students are less aversive when it comes to investments than grown-ups. The mere fact acknowledges Joel’s theory that students can answer many mysteries – concerning the stock market.

Author’s expertise and short biography

Joel Greenblatt is an American-born author, investor, financier, hedge fund manager, and an academic. He was born to Jewish parents on December 13, 1957, in Great Neck, New York. Momentarily Joel works as an investor and adjunct professor at Columbia University Graduate School of Business. Despite being a former executive at Alliant Techsystems, he established himself as a managing partner of one private investment company. At Columbia University’s business school, he is highly appreciated for his efforts and willingness to educate people. He is the author of several books including You Can Be a Stock Market Genius; The Little Book that Beats the Market; and The Big Secret for the Small Investor.

Key Lessons from “The Little Book that Beats the Market”

1.      High return on investment is crucial
2.      Good Investor = Good Negotiator
3.      Must be able to diversify your portfolio

High return on investment is crucial

Notice that Joel’s secret ingredients are: high return on investment (ROI) and high yearly income. This formula is applied by many small companies and large corporations. The stock market has to rank international companies according to their earnings yield and return on investment, for the people to have full access to all sorts of financial information.

Good Investor = Good Negotiator

An investor must be good at bargaining, in fact, that is the whole process of being an investor. If you also want to become a shareholder, you should assess company’s capabilities on a long-run. Is your targeted business a high return on investment opportunity? Buying a good business means performing a satisfying bargain; paying the lowest amount of money possible for the highest ROI.

Must be able to diversify your portfolio

You got what it takes? If so, you’ll quickly be able to earn more and more as time passes; The core of a good investment is diversification of money. Invest in businesses of different industries, and become a notable shareholder with lots of influence in the business sphere.

If you feel like this is the book for you, feel free to contact us for further information. You can download our mobile app and share your experiences with us. Between you and your book, there is a one-click delay – check it on Amazon;


The Richest Man in Babylon

In ancient times the city of Babylon represented a symbol of wealth and prosperity, it was the richest city and the most beautiful city. Even today, the people of Babylon are familiar with the secrets of their ancestors.

In the late 20s, one of the greatest writer and businessman of his own time George S. Clason invented a series of simple parables that were supposed to reveal the commercial secrets of the Babylon people. He somehow put together all of these tales that were written in Babylon 8,000 years ago, into a thrilling and informational guide – book based on the secrecy of wealthiness. During the 30s of the 20th century, the Great Economic crisis caused mass unemployment, and even decades later the people still use and benefit from Clason’s captivating, straightforward and transparent guidelines. The population is becoming more and more familiar with the story of Arkad, the wealthiest man that ever existed in Babylon. Probably the name Dabasir ring any bells – It surely does, the poor slave who overcome his life difficulties and became one of the richest traders in his own time; and of Sharru Nada, the man who had established good habits and from an early age understood the importance of hard work. Every parable presented in the book teaches you different valuable lessons about wealth, how to earn it, find it, sustain it and deserve it. Some of the stories in “The Richest Man in Babylon” book has tons of meaningful ideas and tips on – how to have a better life. Many authors and economists understand why Clason’s astonishing financial masterpiece became such an everlasting classic which continues to inspire. S. Clason encourages you not only to scan it like any other book but to employ its ideas and methods that are worth reading. He sometimes even declares that his own words are an integral part of “ancient wisdom” and even in the 21st, he is capable of grabbing reader’s attention. You cannot rely on anyone’s advice; here all the methods and tips have a vigorous and reliable background composed of facts and theories.

Babylon is not an ordinary city; it is remarkable in every way. You can take into consideration this unbelievable fact-When the rest of the world (ancient civilization) used stone axes for hunting and battles, ancient Sumerians who inhabited these lands possessed an advanced weaponry made of metal. Are you amazed? – Despite their superior army and architecture, the ancient Babylonians ruled the world in another field, according to many historians, Babylon was among the first ancient nations that invented money and property deeds. Babylon’s history has its roots even 6000 years before Jesus Christ. Present-day Iraq is the home of ancient Babylon’s civilization, architecture, and culture that is located next to the great Euphrates River. Today’s creative inhabitants are still trying to make the best out this mysteriously ancient city.

Who is this book for

“The Richest Man in Babylon” is a clear, unique and truthful book. At first sight, some personal stories about the people of Babylon may seem a little confusing. Their personal stories and journeys through life are the perfect examples of Babylon’s civilization at the time. These stories are rich with different financial difficulties, life-threatening situations, and desirable outcomes as a result of hard work. George S. Clason had a vision, its vision is not to speak about the wealth of Babylon, but to compile ancient techniques for acquiring and maintaining wealth in modern times. This book is intended for all individuals ready to learn more about money and wise investment. Consistently save money through life at least one-tenth of your monthly or annual income. Learn how to invest your money by understanding Babylon’s ancient secret. George suggests several important things: don’t work for money, let the money come to you and always spend money on necessities only.

Author’s expertise and short biography

George S. Clason was an American-born entrepreneur, author, and philanthropist who started writing information pamphlets about being thrifty and investing rationally through life. He was born on November 7, 1874, in Louisiana Missouri. In the middle of the 20th century, George S. Clason passed away leaving behind a tremendous career as a writer and entrepreneur. All of his pamphlets are the foundation of this well-known, mighty and famous book. The book was firstly published in 1926; two million copies were sold since then.

Key Lessons from “The Richest Man in Babylon”

  1.       The story about King Sargon
  2.       Friend Among the people
  3.       Dabasir- the wealthiest camel trader in ancient Babylon

The story about king Sargon

Arkad at the time advised many people in the old Babylon – how to increase personal wealth, including Babylon’s King Sargon, who demand from him to teach his Babylonians some ancient techniques about earning money and managing income. The King didn’t want to have a poorly educated and unintelligent population. He also was expecting from his advisor to educated his population about the importance of wealth. If the King’s subjects could get richer, Babylon would also become wealthier.

Friend among the people- Arkad

Arkad was an exceptional man in ancient Babylon. Not only that he was a wealthy individual, but he was also a good friend who shared all of his secrets with the people. In any time Arkad spoke with Babylonians on numerous subjects – resolving their concerns. He always talked about one particular thing, that a person cannot get wealthier if that person disregards the ancient laws of doing business.

Dabasir- the wealthiest camel trader in ancient Babylon

The king of trade- Dabasir explains how he became a wealthy person, although he grew up in impoverished surroundings. When he finally decided to change his life, Dabasir created a fortune because he always looked ahead, no matter the challenges that tried to suffocate his progress. That was his only secret.

If you feel like this is the book for you, feel free to contact us for further information. You can download our mobile app and share your experiences with us. Between you and your book, there is a one click delay – check it on Amazon;

Speak Portuguese? Read this in Portuguese!


The Intelligent Investor

The Classic Text on Value Investing

“The Intelligent Investor” has the legitimate right to find itself on the bookshelf among the books that every investor deserves to have. The norms and principles that come out of Benjamin Graham’s assumptions are those that guided well-known and renowned investors like Warren Buffett, and other fund innovators and eminent personalities like John Bogle- known as the Vanguard Group founder and the author of this edition’s foreword. The first edition was published back in 1949, and even back then certain financial experts saw the text wasn’t showing any signs of age, especially in complexed debates of interest rates, long-term investments, investment in vehicles-leasing or cash and other time-sensitive subjects. However, these secondary financial difficulties didn’t seem like they’ve troubled Graham at all. He doesn’t write about any irrelevant categories, Graham analyzing security issues, how should an investor behave on the market and other elementary investment subjects with an everlasting nature.

If you are familiar with the term- risk aversion than you probably realize that Investors fall into two major categories: the “defensive ones (higher risk-aversion mentality)” and the “enterprising ones” (risk takers) for both categories there is only one rule- Speculation is not equal to investing. To reach long-term success, every enterprising investor has to evaluate each investment very carefully and above all diversify its portfolio among the most profitable industries. According to Benjamin, almost every investor doesn’t treat its investments properly, the time and effort invested are not sufficient; therefore, he advises a defensive strategic approach.

Today’s financial markets have some similarities to those that existed in the middle of the 20th century when “Benjamin Graham wrote the Intelligent Investor” book. In the digital era, the stock valuations are in constant increase as such they are much higher than the ones praised by Graham in the late 50s. You may find a metaphor used by him in his writings where Graham adopts the sarcastic term “Mr.Market” to express the dominant role that the market has in our economy, where investors meet and interact more profoundly. Roughly speaking, Graham advised investors back then to disregard and ignore “Mr. Market’s” influence. However, not even he knew that “Mr.Market” in the decades to come would be able to offer much more opportunities which would leave investors trapped between Graham’s advice and their urge for profits.

Who is this book for

If now, we have the opportunity to ask Mr.Graham about what motivated him to write this book- He would probably say that the main reason for writing “The Intelligent Investor” was the bad financial decisions that he saw again and again from investors. Depending on the reader’s openness and intelligence, it may yet face a financial change for the better by reading “The Intelligent Investor,” or if a person’s heart and mind remain ignorant Graham’s words would have no meaning. Even ancient philosophers said that you could not teach an ignorant and stubborn person, so Graham’s book is for those investors capable of change and adjustment to different financial environments.

Author’s expertise and short biography

Benjamin Graham was born on May 9, 1894, in London, England and eight decades later the well renowned British-born economist, financial advisor, writer, and a professor passed away at 82 years of age in Aix-en-Province, France. Right after his graduation at the age of 20 from Columbia University, Graham started working on Wall Street. He was considered the father of value investing and an eminent author who wrote several financial books including the “The Intelligent Investor” and Security Analysis.

Key Lessons from “The Intelligent Investor”

  1.       An average investor makes average market movements
  2.       Challenge each idea, be skeptical until you are 100% sure of it
  3.       Learn on who to rely upon

An average investor makes average market movements

Speculators are intent to prosper by making unique and risky market moves. Investors, for instance, by contrast, plan to purchase valuable stocks-wholesale at affordable prices and hold them till final sale. According to Graham’s philosophy, any market movement is significant only because it offers reasonable cost for goods that an investor would find acceptable to purchase or sell afterward. High-profile Investors know or sense when a certain market would collapse or experience a dropout. This sign has to be taken seriously. An investor waits for such an opportunity to drive them forward. However, that is not the case with an average investor.

Challenge each idea, be skeptical until you are 100% sure of it

Graham challenges the idea’s truthfulness that many financial experts and economists are guided by- Investors try to single out rare goods and purchase them because they believe that these stocks would outperform in a short –run which would give them enough time earn some easy money by re-selling them. According to Graham’s expertise and knowledge, this idea should be rejected and neglected for a greater good.

Learn on who to rely upon

In today’s world, there are a lot of wealthy people that own a lot of stuff. These so-called rich individuals are influential opinion makers or celebrities, but the deal is that they don’t know what to do with the money and how to Invest them.  Financial and investment advisors are helpful in some situation, but when it comes to profits, Graham advises you to stop relying on them. “The Intelligent Investor” pinpoints the fact that investment professionals are much more helpful than advisors. As well-known experts with expertise in long-term investments, they can be crucial for your financial stability. Investing money is like playing dice for ignorant investors. Nevertheless, you should never underestimate low-risk investments because they carry an almost guaranteed income.

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Rich Dad Poor Dad: financial education 101

Rich Dad Poor Dad cover

Rich Dad Poor Dad: What The Rich Teach Their Kids About Money – That The Poor And Middle Class Do Not! by Robert T. Kiyosaki

In the bestselling personal finance book of all time, Robert Kiyosaki challenges the way people around the world think about money and investing. Think you need a high income to become rich? Think having a house is an asset? Do you know the difference between good and bad debt?

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