If you’re like most business owners and professionals, you’re always looking for ways to improve your financial literacy. Whether you’re trying to get a better understanding of personal finance or seeking strategies for growing your business, there’s no shortage of great financial books to choose from.

To help make things a little easier, we’ve put together a list of the 8 best-selling financial books of all time. From investing and retirement planning to real estate and entrepreneurship, these books cover just about everything you need to know about money. So if you’re looking for some guidance in navigating the world of finance, be sure to check out one of these bestsellers.

• The Millionaire Next Door by Thomas Stanley and William Danko:

This book shatters the myth that most millionaires are wealthy because they inherited their money or married into it. Instead, The Millionaire Next Door reveals that the vast majority of millionaires are self-made and achieve their wealth through hard work, dedication, and thriftiness. With its simple but powerful lessons, this book is a must-read for anyone serious about building wealth. It provides not only valuable insights into the mindsets and habits of successful people but also offers concrete strategies for achieving financial independence. Find the ebook for this title easily on RARBG and start reading it so that you, too, can be a millionaire.

• Rich Dad Poor Dad by Robert Kiyosaki:

This book has become something of a classic in the personal finance world. It tells the story of two fathers – one rich, one poor – and the different lessons they teach their sons about money. The book argues that conventional wisdom surrounding money is often wrong and that true financial success comes from building assets rather than simply earning a high income. While some of its ideas are controversial, Rich Dad Poor Dad provides valuable food for thought on how to approach money and build wealth over time.

• The Intelligent Investor by Benjamin Graham:

Widely considered to be one of the best investing books of all time, The Intelligent Investor is perfect for those who are looking to get started in the world of investing. Written by legendary investor Benjamin Graham, this book advocates a value investing approach and provides readers with the tools they need to make sound investment decisions. This is a must-read for anyone who wants to get serious about investing.

• The Total Money Makeover by Dave Ramsey:

If you’re looking to get your finances in order, The Total Money Makeover is a great place to start. In this book, Dave Ramsey provides readers with a step-by-step plan for getting out of debt and building wealth. He also offers helpful advice on topics like budgeting, saving, and investing. This is an essential read for anyone who wants to get their financial life on track.

• The Millionaire Fastlane by MJ DeMarco:

If you’re looking for a more unconventional take on financial success, then The Millionaire Fastlane is definitely worth checking out. In this book, author MJ DeMarco argues that the traditional road to wealth is actually a slow and dangerous path. He provides readers with an alternative blueprint for achieving financial freedom and living a life of luxury and abundance. Apart from being an entertaining read, this book is full of actionable advice that can help you achieve your financial goals.

• Your Money or Your Life by Vicki Robin and Joe Dominguez:

This book is all about aligning your finances with your values and making choices that will lead to a more fulfilling life. It’s packed with useful information on everything from budgeting and investing to debt reduction and retirement planning. And best of all, it provides readers with a step-by-step plan for taking control of their financial future. No matter what your financial goals are, this book can help you achieve them with ease.

• I Will Teach You to Be Rich by Ramit Sethi:

This New York Times bestseller is perfect for anyone who wants to learn how to make more money and achieve financial freedom. In it, author Ramit Sethi covers everything from saving and investing to earning more money and building wealth. With his easy-to-follow advice, you’ll be able to take control of your finances and create the life you’ve always wanted. This book is a must-read for anyone who wants to get their finances in order.

• The Automatic Millionaire by David Bach:

This best-selling book is all about how to become a millionaire by automating your finances. In it, author David Bach shows you how to pay off your debts, save for retirement, and build wealth without thinking about it. With his simple and effective strategies, you can easily achieve financial freedom and live the life you’ve always dreamed of. The best part of this book is that it’s easy to understand and follow, making it perfect for anyone who wants to improve their financial situation.

Conclusion:

There you have it! The eight best-selling financial books of all time. Whether you’re looking to improve your personal finances or grow your business, these books have the information you need to get started. So what are you waiting for? Pick up a copy and start learning today!

 

Decentralized finance, or ‘DeFi,’ is a revolutionary digital financial system that aims to eliminate the need for a central bank or government agency to authorize financial transactions. DeFi is inextricably linked to the blockchain, the decentralized, unchangeable public ledger that underpins Bitcoin and allows all computers (or nodes) in a network to keep a duplicate of the previous transactions.

DeFi is a modern financial system that enables its users to lend their bitcoin and earn interest in minutes instead of once a month. They may also trade cryptocurrencies without using a broker, saving money and earning a higher interest rate than a bank.

DeFi, according to companies like Earnity by Domenic Carosa and Dan Schatt, should be about access, not about building further hurdles to financial participation and inclusion. It provides services like lending and purchasing derivatives using cryptocurrency and smart contracts.

DeFi provides financial services without the intervention of banks by using cryptocurrency and smart contracts. The options of how much you can accomplish with DeFi continue to expand as more dApps are added.

People are seeking to profit from the rise of DeFi in a variety of ways. Using Ethereum-based lending apps to generate passive revenue is one option. Users essentially lend their money out and earn interest on the loans.

Yield farming would be another approach being utilized, which is a riskier activity performed by more skilled dealers in which users search through a plethora of DeFi tokens in the hopes of discovering prospects for higher returns, but it is complicated and confusing.

DeFi, like so many other emerging decentralized blockchain networks trading cryptocurrency, is highly hazardous, specifically when it’s a modern tech aimed at disrupting an established organization like a centralized bank. It’s much riskier for newcomers who are enticed by the promise of yield farming and passive income. Because there are potentially more significant potential threats, Earnity, created by Dan Schatt and Domenic Carosa, provides security and fraud avoidance standards.

Applying a promo code is very easy and it can help boost sales. There are many benefits of this, and it can help you to improve your brand loyalty and monitor the effectiveness of your marketing campaign. A good example of this is the opportunity to reward customers for joining a newsletter or for referring friends to the website. It can also boost your social media presence and improve brand recognition. Here are some of the advantages of applying promo codes.

Boost Your Sale

They can boost your sales. Using a coupon will help you get a higher average order value. Some stores will add a free gift to customers who spend more than the average amount. In this case, you’ll be able to boost your profit by giving away additional items. Some free gifts include bags, socks, coffee beans, and other products. Similarly, you can give away additional freebies.

Save Shipping Coast

It can help you save on shipping costs. You can use an online six flags promo code to get a free shipping discount, which is extremely helpful for your wallet. Moreover, you can also use it to purchase products with discounts. This way, you’ll be able to maximize the benefits of your purchase. This way, you’ll be a smart shopper and save money. You’ll be saving a lot of money!

Promote Brand Loyalty and Create Happier Customers

They can promote brand loyalty and create happier customers. o They can increase revenue for your business. If your customers use promotional codes regularly, they’ll be more likely to purchase your products and services. This can boost your sales and customer satisfaction. The most popular example is Amazon, which offers a special code for their Prime members often. For example, Amazon offers a free gift to Prime members. This is a great way to attract new customers and maintain loyal ones.

Increase Open Rates

They can help you get more traffic by increasing your open rates. By making a sale easier, you’ll have a better chance of converting more customers. You’ll also get more attention from customers. If your target market is online, applying a coupon can increase the interest of your social media campaign. It can be used in many different ways. These benefits can boost your sales and increase your profit. They can improve your website’s performance.

Increase Loyalty

It can increase loyalty. By offering a promo code, customers will be more likely to buy your products and services. This can also boost your brand image. As a result, they can also support your business. By giving out a promo code, they can benefit from your product’s benefits. If they’re satisfied with the price and quality, they’ll be more likely to buy more. If they’re happy, they’ll be more likely to recommend it to others.

Increase Customers’ engagement

Promo codes can increase the customer’s engagement. People are more likely to participate in marketing campaigns if they are given incentives. If a promotion code links to surveys, customers can fill out the survey and get more information about their needs. This data can help your business grow by offering better customer service. And, as a bonus, your customers will feel more satisfied, which is a big plus for eCommerce. So, take advantage of promotional codes to boost sales!

In-store Prompts and Reminders

In-store prompts and reminders. It is important to offer a promo code to both followers and potential customers. It can be useful for introducing a new product range and it can increase the chances of winning. If you have a new product, you can offer the promo code to your customers as a way to promote it. Then, when customers use the promo code, they will be able to save even more money.

Real estate is a lucrative investment with many benefits, including an increasing cash flow and steady appreciation of property values over time. If you’re looking to invest in real estate like Nelson Partners and other firms but don’t have enough money for a down payment, there are several ways to begin investing without having to shell out the entire cost of the home.

Starting Out Small

If you’re starting out, it can be advantageous to buy a property in less than perfect condition and therefore costs less. It’s also wise to choose the most affordable neighborhood in which you would like to live and then begin looking at fixer-uppers.

Another option for those with low budgets is to purchase a multifamily home such as a duplex or triplex so that more than one family will occupy the space, and you’ll receive rental income from two or three tenants.

Searching Online

Real estate companies exist online where investors list properties they’d like to sell at below market cost due to their circumstances. Before investing, however, it’s best to research the company’s reputation through business directories, Better Business Bureau listings, consumer reviews on sites like Yelp, and general news articles that might mention the business.

When looking for real estate to invest in, it’s also wise to keep an eye on Craigslist postings where people sell their homes quickly and cheaply. While most sellers are motivated by financial issues, others might be willing to negotiate the asking price or provide a warranty with the home.

Saving Money

If you’re new to investing in real estate, your best strategy is likely penny-pinching. Cut out unnecessary expenses like dining out, shopping for fun, buying lattes at cafes every morning, etc., in order to have money left over each month for savings. You can also work two jobs if one doesn’t pay enough in order to save even more money until your budget allows you to begin investing.

Look for Local Deals

When looking to invest in real estate, it’s important to search for the best deals locally. If you move away, you might miss out on local market opportunities that are unique to your area or experience a downturn in prices while you’re away, making your investment less lucrative overall.

Finding a Mentor

Another great way to learn about real estate investing and find properties is by locating someone who has experience in this line of work. An experienced investor can help you decide what type of property to purchase and teach you other valuable information that would take years to discover on your own.

Before buying a home, it’s wise to conduct thorough research into the company or individual selling it. If they refuse to provide certain documentation such as their ID, address, phone number, etc., be suspicious as this could indicate they’re not authorized to sell as per contract law.

Final Thoughts

There is a certain amount of risk involved in real estate investing, but if you properly plan for the future and learn as much as possible from those who have been in your shoes before, you can make wise investments.

 

There are many reasons why you may need a short-term loan to bridge a gap in your finances or property transactions. Here’s why bridging finance might be right for you.

Purchasing a property

Not all property purchases go as smoothly as you would like, and you could find yourself in a position where the buyer of your current property gets stuck in a chain, or you are still waiting for your own sale to complete.

In such situations, a bridging loan can be used as a form of short-term borrowing to enable you to buy your new property and avoid the sale falling through. You will then be able to repay the bridging finance once you receive the funds from the sale of your existing property.

Buying at a property auction

When buying a property at auction, you often need the finance quicker than you can get from a standard loan, which may take more than a month to complete. Using auction finance means you will be able to complete your auction purchase. You can then repay the bridging loan once your standard loan for the property is in place.

Paying an unexpected tax bill

On occasion, a business may face an unexpected tax bill, which could attract late payment charges if settled overdue. The business may choose to use a bridging loan to avoid these additional payments and settle the tax bill by its due deadline.

Buying land before planning permission is granted

If you intend to develop a site and need a long-term loan for the purchase, you may find that the mortgage requires planning permission to be in place before the loan can be approved. In this case, you may consider a short-term loan to bridge the gap in your finances if you are confident that planning permission will be granted so your land purchase can still go ahead.

When you need short-term capital

If a business or enterprise experiences a temporary drop in their cash flow due to the seasonal nature of their work, a bridging loan can bring in extra working capital. A business could also use a bridging loan to finance new stock or make essential equipment purchases.

Developing an uninhabitable property

Many mortgage lenders will not offer a mortgage on a property that is currently dilapidated or uninhabitable. But if you intend to develop the property, you could consider bridging finance to pay for the necessary construction work. Once the property is in a usable or liveable condition, you can then put a standard mortgage in place, which can also pay off the bridging loan.

If you have been refused credit elsewhere

A poor credit history can prevent a prospective borrower from qualifying for a standard loan. However, they may find that a bridging loan provider would consider a loan application. Although a form of security will be needed, such as a property or commercial assets to guarantee the loan.

Whatever the reason you may be considering bridging finance, it is advised that contact a bridging loan expert. Specialists such as Finbri can guide you through the application process as well as the costs involved so you can be sure a bridging loan is the right funding solution for you.

Are you looking into buying your first car? Then one of the questions that might have baffled you is if it is better to get a new one or a used one. But did you know that it might be better to get a secondhand car at first?

For one, you could be a student driver and are still polishing your driving skills. If that is the case, you may have some scratches and dents during this phase. Another is that you could be low on budget and a new car is not ideal with your current financial situation. Read the benefits of why a secondhand vehicle makes more sense than a brand-new model.

You can buy them from reputable providers

Used cars are sold by reputable dealers today. Getting a car from a dealer is better than buying a used car from someone you know. Reputable dealers check cars for potential issues before putting them up for sale. In comparison, a friend may not be as transparent, which is not uncommon whenever someone wants to get rid of something. If you are interested in used cars, you can check out youngautomotive.com.

No worries about value depreciation

Brand new cars are like your mobile gadgets. Their value depreciates quickly, especially if a new model is released. The moment you take that car for the first ride, its value decreases. Then, if you get one small teeny weeny scratch on the side, the vehicle’s value drops even further. Cars you buy today will lose 50% of their value after three years. In comparison, you do not need to worry about value depreciation for secondhand cars.

Many options to choose from

Have you noticed how car manufacturers are very aggressive at releasing newer models each year that passes by? As a result, many well-off people change cars when a new model comes. You have a range of options to explore.

Extra money to save in the bank

Buying a cheaper secondhand car will let you have extra money to save or invest. It also offers a better alternative to brand new models for their lower sales tax advantage.

You pay for cheaper car insurance

It’s always wise to invest in car insurance for added security against road accidents. However, if you buy a secondhand car, you will pay a lesser amount on car insurance than what you need to pay if you buy a brand-new vehicle.

Models today are more dependable

You do not need to worry about car issues if you buy a great model. Manufacturers are now more aggressive at making cars safer for everyone on the road. Even the newer players take this seriously and offer safety features to satisfy the skeptical buyers. You now see vehicles that have auto-parking or free-hand driving features. This is the age where you can buy feature-packed cars at a lesser price.

Verdict

Secondhand cars are an excellent option for budget shoppers who want to buy an everyday ride for a more affordable price. In addition, these can be safe as long as you buy them from trusted dealers.

Finance insiders like Dan Shatt and many others are saying that the lending industry’s future will be all about “people, not products” – here’s why.

1) The future of lending is digital, social, and mobile

Technology has permeated almost every facet of our lives – the same is true for personal finance. The 21st century has given rise to a new era where you can do everything on your phone or tablet – banking online, researching investments, applying for loans, etc.

Today the most successful financial institutions can offer their customers a seamless digital experience. However, banks and other lenders need to provide their customers with the tools to make smart choices about borrowing on the go to remain competitive in this new environment.

2) The future of lending is about relationships, not products

In the past, lenders have relied heavily on product offerings to attract borrowers. However, this is no longer a sustainable strategy in the age of digital and mobile banking. Nowadays, customers are looking for lenders that they can trust – ones that will take the time to get to know them and provide personalized advice to their unique needs.

3) The future of lending is about data, not just products or relationships

Banks used to rely on spreadsheets when it came to making credit decisions, but this approach is no longer effective in the current environment. Nowadays, lenders can access vast amounts of data – all of which can be used to make better-informed credit choices.

4) The future of lending will closely track the digital economy

Every year, more digital transactions are taking place – purchases made online, investments made with Robo advisors, etc. This shift toward a cashless society has opened up new possibilities for fintech companies that want alternative solutions for borrowing and investing.

5) The future of lending will revolve around the way we think about money

For too long, most lenders have thought of finance as a “zero-sum game” – where for one party to win, the other has to lose. In reality, this is an outdated and destructive mentality – especially in today’s digital world, where customers want more options and control over their finances. The best fintech companies understand that technology can find solutions that benefit both sides of the equation.

6) The future of lending lies with financial institutions working together rather than competing with each other

Over the past few years, fintech companies like Lending Club and Prosper have begun challenging traditional banks by offering alternative funding sources for consumers. However, the future of the lending industry will look very different. Instead of competing with each other, digital lenders will work together to build more comprehensive services that will give customers greater choice and flexibility when borrowing money.

7) The future of lending looks bright

According to a recent survey by Accenture, 82% of millennials plan to use some form of alternative finance in the next year. People want new options when it comes to their financial lives – they are looking for innovative solutions that make life easier, not harder. Luckily there are lots of industry experts who understand how technology can be used to build better products while improving customer service at the same time.

 

Association football is considered by many the “king of sports” – it certainly is the most widely played sport in the world, and the one with the biggest fan base of them all. Literally, billions of people around the world read the football news every single day, watch football matches on TV or on streaming – there are entire communities built around one association football team or another, sometimes in the remotest corners of the globe.

Obviously, association football is also the sport most people bet on or want to bet on. And at the same time, it is also the sport that most people bet on the wrong way. The tips below will show you how to do it right.

Don’t bet on your favourite team

Love is blind, they say – this applies not just to your significant other but to your favourite sport as well. The fans of one football team or another have a bit too much trust in their teams’ capabilities and they bet accordingly – with their heart instead of their head.

So, as a general rule, you should never bet on your favourite team. The heart sometimes overrides ration, making you place bets that are almost certainly destined to be unsuccessful. This will not only cost you money but it will also feel extremely disappointing – as if your team would’ve let you down.

Never bet more money than you can afford to lose

While in most cases, sports are reasonably predictable, there is always room for the unexpected – this means that even the surest bet comes with an inherent chance of being lost. This is why one of the most important rules of gambling – not just betting but any other form – is that you should always play only as much money as you can afford to lose.

This is the first rule of what those initiated in the secrets of gambling call bankroll management.

Another rule that naturally follows is never trying to win back the money you lost by betting again and again.

Focus on the biggest events

When choosing the matches to bet on, choose the ones that are the more important for the team you intend to bet on – because the players and the teams will do the same. When they face an opponent that’s much weaker – say when Liverpool, currently placed second in the Premier League, plays against Newcastle (second to last), it will not be as focused and prepared as in the case of a match against Manchester City – currently in the top position of the EPL. The more important the event, the more focused and prepared the players will be – and this will show in their effort, play style, and performance as well.

We all know the very high cost of vehicle ownership, it is the price you pay for the luxury of having your very own vehicle that is ready at any time. Despite this heavy cost, we are prepared to pay a high price for travel independence, yet there are a few ways we can cut our motoring costs, as we explain in this article.

Auto Insurance

There’s always a better deal somewhere and the best people to talk to about car insurance in Thailand has to be https://rabbitcare.com/, where you are guaranteed a great deal. Whether you are going for class 1,2 or 3, the online broker offers the best packages and the lowest premiums, plus they pay out without question and in a timely manner. Some insurers reward experienced drivers with a clean history and if you fall into this category, Google will help you source the best deal and a secure online payment sees you covered.
Second-Hand Tyres

We all know about the latest trend for fat wheels; many drivers take their new car straight to the tyre shop and change the shoes, leaving an almost new set of tyres. You can save up to 60% on the cost of four tyres and still have a couple of years of use. Check out your local tyre shop to see if they have a stock of used tyres and don’t worry, they wouldn’t sell a dodgy tyre! The tyres on your car are the only contact you have with the road and you should inspect them on a regular basis, checking the PSI (see owner’s manual).

Used Car Parts

While we don’t recommend this with a new vehicle, which is still under warranty, older cars are ideal for a reconditioned alternator, radiator or water pump, which are stripped from scrap vehicles at a breaker yard, then cleaned and reconditioned ready to be reused. It is easy to find out who stocks a 2016 BMW 3 series a/c unit, all the yards have websites that use easy search features. Locate by model or year and the component comes with a limited warranty. If you are an acrylic fan, click here.

Self-Service

If you have the tools and the inclination, you can save a significant amount by servicing your car; take a look at the garage’s hourly rate next time you book your car in for its service. If the owner’s manual isn’t enough, there are YouTube videos for just about every make and model; make sure you follow the manufacturer’s guidelines and only use genuine parts (used too). Cars need to be serviced according to the mileage and keep a note of your next oil change and try to carry out the maintenance close to the specified mileage.

If you live in the suburbs of Bangkok, you can save even more money by leaving the car at home and using the mass transportation systems and there’s no stress when you are a passenger.