Hey there, fellow parents! Are you tired of seeing your little ones struggle with self-doubt and insecurities? Want to raise confident, happy children who love themselves (and their flaws!) just the way they are? Well, you’ve come to the right place![Read more…]
Difference Between Stock Split and Bonus Stocks
First of all a Bonus issue issues extra shares for each share held by a shareholder, in a particular ratio. So face value doesn’t change but share price reduces proportionately and market value remains the same or more or less the same depending on market fluctuations.
Bonus Example 1:
Now for example a 4:1 Bonus issue means a shareholder will get 4 shares extra for every share he holds. So, 1 share becomes 5 shares. So, if the price of 1 share was Rs. 100 before bonus issue, the price per share will become Rs. 100*1/5 shares = Rs. 20 per share.
If the face value was Rs. 10 pre bonus , it will remain unchanged post bonus and the shareholder will get Rs. 10×5 shares = Rs. 50 in shareholder’s equity or share capital in the company’s balance sheet instead of the Rs. 10 he had with 1 share. This adjustment happens by taking (debiting) Rs. 40 from reserves and surplus or share premium account and crediting shareholders equity. So, if the original Rs. 100 market price was same as the IPO price, originally Rs. 10 was in share capital or shareholders equity and Rs. 90 was in share premium. After the bonus Rs. 50 would go to shareholders equity (share capital) and Rs. 50 would remain in share premium account. This way, since dividends are given as a percentage of face value in India, if a dividend of 10% or Rs 1 is issued, the shareholder will receive Rs. 5 post bonus instead of Rs. 1 pre bonus. This is a simplistic example for understanding.
Bonus Example 2:
To study this further, let us take another example. If a 2:3 bonus is issued then it means 2 shares are given extra for every three shares held. So, if a shareholder has 3 shares it will become 5 shares. If a shareholder has 60 he will get 40 shares more and have 100 shares.
So, if the market price of 1 share pre bonus was Rs. 100 and a person held 3 shares pre bonus, post bonus share price would be Rs. 100×3 shares/ 5 shares = Rs. 60 per share.
So, we can also have a 1:1 bonus also which means 1 extra share for every share held and hence one share becomes 2 shares.
Now for Stock Splits:
In a stock split the face value of the share reduces in proportion of the split ratio, while the market value remains the same.
A 1:2 stock means one share is split into two. So if the face value was Rs. 10 it would becomes Rs. 5. If the market price per share was Rs. 100 pre split it would become Rs. 50 per share x 2 shares post split. So if IPO price was also Rs. 100 Rs. 10 Face value and Rs. 90 share premium would become Rs. 5 face value and Rs
45 share premium per share and hence Rs. 10 and Rs. 90 respectively for 2 shares.
A 2:3 share split means 2 shares becomes 3 shares. Unlike a 2:3 bonus where 2 new shares are issued for every 3 shares held I.e. 3 share would become 5 shares.
So if the market value pre split was Rs. 100 per share, the market capitalization was 2 shares x Rs. 100 = Rs. 200
After the split the price per share would be 2× Rs. 100/3 shares = Rs. 66.67. The face value becomes Rs. 10X2/3 = Rs. 6.67 (Theoretical example, as normally face value will not be a decimal).
There can also be reverse share Splits like 4:1 where 4 shares becomes 1 share. Here the same inverse logic would apply where face value increases by 4 times and market price also increases by 4 times.
A 1:1 split doesn’t mean anything unless there are differences in terminology in certain markets where a bonus is called a split. This is because 1 share split into 1 means nothing in most share markets.
In a nutshell, Bonus issues add more value to shareholder’s as more of the money invested becomes payable to the shareholder by way of shareholder’s equity / share capital in the company’s balance sheet as amounts from reserves/surplus and/or premium account get transferred to share capital. Also, a bonus issue is similar to free extra shares/stock dividend though market price reduces and market capitalization remains the same, the shareholder benefits by way of additional shares without any tax implications. Stock splits make a company’s shares easier to buy because the per share value reduces (the same happens with bonus shares also).
This post is purely for educational purposes and not meant to be financial/investment advise.
6 Personal Safety Tips For Children
As a parent, can you always be around your child? You let them play outside, where they may meet a neighbor, a friendly uncle, or even a stranger. Unfortunately, the world can be a dangerous place, and something as tiny as candy can put children under enormous threat. So, when should the alert ring in your child’s mind? That’s when safety tips can come in handy for our children.[Read more…]
Helping Kids Prepare For The Inevitable Death Of Their Pet
Losing a pet can be a tough experience for anyone, but for children who have grown up with their furry friends, it can be an especially difficult time. It’s natural for kids to feel sad, confused, and overwhelmed when faced with the loss of a pet, and it’s up to parents and caregivers to help them navigate these emotions in a healthy way.[Read more…]
The Best Investment Books of All Time: The Most Comprehensive, Ever-Growing List of Books on Investing Across Asset Classes, Ever!
Bookmark or save this page as you won’t need any other resource to find the best investment books. This is an ever-growing list of books on investing! You just have to click on the book title or cover image and buy the book, if you live in the US to buy on Amazon.com. If you live in India, click on the Amazon.in Buy button below the book description. It’s that easy! You will never run out of books to read, if you are an investor and lifelong learner! Books are listed in no particular order. They are all great books on investing.
- Just Invest and Become Insanely Wealthy by Jayaram Rajaram
Just Invest and become Insanely Wealthy! is a book for action takers. The content inside is gold standard for those who seek to learn investing in various asset classes through intuitive, common-sensical ways. This book is as much for people who hate numbers and complexity as it is for the finance geeks, as it gives a fresh perspective on visual, systematic and intuitive investing across asset classes. Whether you like equity, real estate, gold, debt, angel investing, lease financing, invoice discounting or crowd financing, this book will teach you how you can win across asset classes. No matter how many investment books you have read, this is a must read. Please note that this book is by an Indian author and examples are given in Indian Rupees and Indian markets, but its concepts can be used no matter where you live in the world.
- The Intelligent Investor by Benjamin Graham
This classic book is often referred to as the “bible of value investing” and is a must-read for anyone interested in investing.
- The Essays of Warren Buffett: Lessons for Corporate America by Warren Buffett
This book is a collection of letters and essays written by Warren Buffett, one of the most successful investors of all time.
- A Random Walk Down Wall Street by Burton Malkiel
This book argues that investors are better off investing in low-cost index funds rather than trying to beat the market.
- Common Stocks and Uncommon Profits by Philip A. Fisher
This book is a classic guide to growth investing, a strategy that focuses on finding companies with strong growth potential.
- One Up On Wall Street by Peter Lynch
This book is a practical guide to investing that emphasizes the importance of doing your own research and investing in what you know.
- The Little Book of Common Sense Investing by John C. Bogle
This book advocates for investing in low-cost index funds and provides practical advice for individual investors.
- The Warren Buffett Way by Robert G. Hagstrom
This book explores the investment philosophy and strategies of Warren Buffett, one of the most successful investors in history.
- The Psychology of Money by Morgan Housel
This book explores the psychology of money and how our emotions and biases can impact our investment decisions.
- The Richest Man in Babylon by George S. Clason
This classic book provides timeless lessons about personal finance and wealth-building.
- Security Analysis by Benjamin Graham and David Dodd
This book is a comprehensive guide to value investing and provides detailed analysis of investment strategies and techniques.
- The Bogleheads’ Guide to Investing by Taylor Larimore, Mel Lindauer, and Michael LeBoeuf
This book is a beginner’s guide to investing that covers the basics of asset allocation, diversification, and low-cost investing.
- Margin of Safety: Risk-Averse Value Investing Strategies for the Thoughtful Investor by Seth Klarman
This book is a highly-regarded guide to value investing, with a focus on risk management and avoiding common mistakes.
- The Alchemy of Finance by George Soros
This book explores the investment philosophy and strategies of George Soros, a legendary investor and philanthropist.
- The Outsiders: Eight Unconventional CEOs and Their Radically Rational Blueprint for Success by William N. Thorndike
This book examines the investment strategies of eight successful CEOs who took unconventional approaches to creating shareholder value.
- The Four Pillars of Investing: Lessons for Building a Winning Portfolio by William Bernstein
This book provides a comprehensive guide to building a successful investment portfolio that balances risk and reward.
- The Only Investment Guide You’ll Ever Need by Andrew Tobias
This book is a practical guide to investing that covers a wide range of investment strategies and provides advice on how to navigate the complex world of finance.
- The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley and William D. Danko
This book provides insights into the habits and behaviors of wealthy individuals and offers practical advice on how to build wealth over time.
- The Investment Answer by Daniel C. Goldie and Gordon S. Murray
This book provides a straightforward guide to investing that emphasizes the importance of a disciplined approach and long-term thinking.
- The Little Book That Still Beats the Market by Joel Greenblatt
This book provides a simple, yet effective, investment strategy that focuses on buying high-quality companies at attractive prices.
- The Art of Value Investing: How the World’s Best Investors Beat the Market by John Heins and Whitney Tilson
This book features insights and advice from some of the world’s most successful investors, including Warren Buffett, Charlie Munger, and Seth Klarman.
- The Investment Checklist: The Art of In-Depth Research by Michael Shearn
This book provides a step-by-step guide to conducting thorough investment research and identifying quality companies for investment.
- The Little Book of Value Investing by Christopher H. Browne
This book explains the principles of value investing and provides practical tips on how to identify undervalued stocks.
- The Most Important Thing: Uncommon Sense for the Thoughtful Investor by Howard Marks
This book offers a wealth of wisdom and insights into investing, including risk management, market cycles, and the importance of having a contrarian mindset.
- Irrational Exuberance by Robert J. Shiller
This book explores the psychological factors that drive market bubbles and crashes, and provides insights into how to spot and avoid these market inefficiencies.
- The Elements of Investing by Burton Malkiel and Charles Ellis
This book provides a concise overview of investing, covering topics such as asset allocation, diversification, and investment fees.
- The Tao of Warren Buffett: Warren Buffett’s Words of Wisdom by Mary Buffett and David Clark
This book features insights and advice from Warren Buffett, distilled into practical lessons for investors.
- The Little Book That Builds Wealth: The Knockout Formula for Finding Great Investments by Pat Dorsey
This book provides a simple, yet effective, framework for identifying high-quality companies with strong competitive advantages.
- Beating the Street by Peter Lynch
This book offers a behind-the-scenes look at the investment strategies of Peter Lynch, one of the most successful mutual fund managers in history.
- The Money Masters Of Our Time by John Train
This book provides biographies of some of the most successful investors of all time, including Warren Buffett, Benjamin Graham, and Philip Fisher.
- Investing for Dummies by Eric Tyson
This book provides a comprehensive introduction to investing, covering topics such as stocks, bonds, mutual funds, and retirement planning.
- Rich Dad Poor Dad by Robert Kiyosaki
This book offers a unique perspective on personal finance and investing, with a focus on developing financial literacy and building passive income streams. It provides insights into the mindset and strategies of successful investors, as well as practical advice on how to take control of your financial future.
- Your Money or Your Life by Vicki Robin and Joe Dominguez
This book provides a comprehensive guide to personal finance and investing, with a focus on achieving financial independence and living a fulfilling life.
- The Dhandho Investor by Mohnish Pabrai
The Low-Risk Value Method to High Returns by Mohnish Pabrai – This book presents an investment strategy based on the principles of value investing, with a focus on identifying undervalued companies with strong long-term prospects.
- The End of Alchemy: Money, Banking, and the Future of the Global Economy by Mervyn King
This book offers a critical examination of the current monetary system and proposes reforms aimed at promoting greater stability and resilience in the global economy.
- I Will Teach You to Be Rich by Ramit Sethi
This book provides a practical, no-nonsense guide to personal finance, covering topics such as saving, budgeting, investing, and earning more money.
- The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime! by MJ DeMarco
This book challenges traditional ideas about wealth and offers a blueprint for building wealth quickly by starting a successful business or investing in high-growth opportunities.
- The Simple Dollar: How One Man Wiped Out His Debts and Achieved the Life of His Dreams by Trent Hamm
This book shares the author’s personal finance journey and offers practical tips and advice for achieving financial independence.
- Money Master the Game: 7 Simple Steps to Financial Freedom by Tony Robbins
This book provides a comprehensive guide to personal finance and investing, with a focus on building a long-term investment portfolio.
- The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich by David Bach
This book offers a simple plan for achieving financial independence, with a focus on automating savings and investment strategies.
- The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey
This book offers a step-by-step plan for achieving financial independence and freedom, with a focus on paying off debt, building an emergency fund, and investing for the future.
- Why Didn’t They Teach Me This in School?: 99 Personal Money Management Principles to Live By by Cary Siegel
This book offers practical advice and guidance on personal finance and investing, covering topics such as budgeting, saving, investing, and credit management.
- The Psychology of Investing by John R. Nofsinger
This book explores the behavioral and psychological factors that can impact investment decisions, and offers insights into how to develop a more disciplined and rational approach to investing.
- Think and Grow Rich by Napoleon Hill
This book offers practical advice and insights on how to achieve financial success and abundance by developing a positive mindset and taking action.
- The Simple Path to Wealth by JL Collins
This book offers a simple, no-nonsense guide to personal finance and investing, with a focus on low-cost index fund investing.
- The Coffeehouse Investor by Bill Schultheis
This book offers a simple, yet effective investment strategy that emphasizes low-cost index fund investing and a long-term approach.
- The 7 Habits of Highly Effective People by Stephen R. Covey
While not specifically about personal finance or investing, this classic self-help book offers insights into personal effectiveness and success that can be applied to all areas of life.
- Coffee Can Investing by Saurabh Mukherje
This book offers a unique perspective on long-term investing and advocates for a concentrated, buy-and-hold approach to investing in high-quality businesses. It has received positive reviews for its clear writing style and practical insights into value investing.
- The Millionaire Real Estate Investor by Gary Keller
This book provides a comprehensive guide to building wealth through real estate investing, with practical advice on everything from finding deals to managing properties.
- Rich Dad’s Cashflow Quadrant by Robert Kiyosaki
While not specifically about real estate investing, this book offers insights into building wealth through passive income streams, including real estate investing.
- The Book on Rental Property Investing by Brandon Turner
This book provides a step-by-step guide to investing in rental properties, covering everything from finding properties to financing deals.
- The ABCs of Real Estate Investing by Ken McElroy
This book offers a practical guide to investing in real estate, covering topics such as property management, financing, and deal analysis.
- The Complete Guide to Real Estate Investing by Steve Berges
This book provides a comprehensive overview of real estate investing, covering topics such as market analysis, financing, and property management.
- Mastering The Art of Commercial Real Estate Investing by Doug Marshall
This book offers insights into the world of commercial real estate investing, with practical advice on everything from analyzing deals to negotiating contracts.
- Real Estate Investing for Dummies by Eric Tyson and Robert S. Griswold
This book provides a beginner-friendly introduction to real estate investing, covering topics such as financing, property management, and tax implications.
- What Every Real Estate Investor Needs to Know About Cash Flow… And 36 Other Key Financial Measures by Frank Gallinelli
This book offers a comprehensive guide to understanding financial metrics in real estate investing, with practical advice on analyzing deals and maximizing returns.
- Investing in Real Estate by Andrew James McLean and Gary W. Eldred
This book provides a practical guide to real estate investing, with an emphasis on creating long-term wealth through strategic investments.
- Buy It, Rent It, Profit! by Bryan M. Chavis
This book provides a comprehensive guide to investing in rental properties, covering everything from finding properties to managing tenants and maximizing profits.
- The Manual of Ideas by John Mihaljevic
This book provides a comprehensive guide to value investing, with practical insights into how to analyze businesses and find investment opportunities.
- Payback Time by Phil Town
This book offers a step-by-step guide to value investing, with practical advice on how to analyze stocks and build a successful portfolio.
- You Can Be a Stock Market Genius by Joel Greenblatt
This book offers practical advice on how to find special situations and undervalued opportunities in the stock market, with a focus on spinoffs, restructurings, and other complex investment scenarios.
- The Investor’s Dilemma by Louis Lowenstein
This book examines the investment industry and the incentives that drive it, offering insights into how to avoid common pitfalls and invest for the long-term.
- The Snowball: Warren Buffett and the Business of Life by Alice Schroeder
This biography of Warren Buffett provides insights into his life, his investment philosophy, and his approach to business.
- Market Wizards by Jack D. Schwager
The world’s top trader’s reveal the secrets of their phenomenal success!How do the world’s most successful traders amass tens, hundreds of millions of dollars a year? Are they masters of an occult knowledge, lucky winners in a random market lottery, natural-born virtuosi–Mozarts of the markets?
- Stocks for the Long Run by Jeremy Siegel
This book provides a comprehensive overview of the historical performance of the stock market, with practical advice on how to build a long-term investment strategy.
- Poor Charlie’s Almanack by Charlie Munger
Poor Charlie’s Almanack by Charlie Munger is a collection of Munger’s speeches, essays, and quotes, and provides insights into his investment philosophy and approach to life. Munger is the vice chairman of Berkshire Hathaway and a close collaborator of Warren Buffett. The book covers a wide range of topics, from investing and business to psychology and decision-making. Poor Charlie’s Almanack is a valuable resource for investors and anyone seeking to improve their critical thinking and decision-making skills.
- Principles by Ray Dalio
Principles by Ray Dalio is a highly acclaimed book that outlines Dalio’s unique investment philosophy, principles, and practices. Dalio is the founder of Bridgewater Associates, one of the world’s largest and most successful hedge funds. In the book, Dalio shares his principles and practices for decision-making, risk management, and leadership. The book also includes insights into Dalio’s personal journey and the evolution of his investment philosophy over time. Principles is a highly recommended read for anyone interested in investing, decision-making, and leadership.
- Reminiscences of a Stock Operator by Edwin Lefèvre
Reminiscences of a Stock Operator by Edwin Lefèvre is a classic investment book that tells the story of Jesse Livermore, one of the most successful traders in Wall Street history. The book is written in a novelistic style and provides valuable insights into Livermore’s trading strategies, tactics, and psychology. The book covers a wide range of topics, from the importance of risk management and emotional control to the impact of news and rumors on market behavior. Reminiscences of a Stock Operator is a timeless classic that has influenced generations of investors and traders.
- Fooled by Randomness by Nassim Nicholas Taleb
Fooled by Randomness by Nassim Nicholas Taleb is a thought-provoking book that explores the role of luck and randomness in investing and life. Taleb is a former options trader and a professor of risk engineering at NYU’s Tandon School of Engineering. In the book, Taleb argues that many successful investors and traders are often just lucky and that the so-called experts and gurus are often not as skilled as they claim to be. The book challenges the conventional wisdom about investing and emphasizes the importance of understanding and managing risk. Fooled by Randomness is a must-read for anyone interested in investing, risk management, and decision-making.
- Value Investing: From Graham to Buffett and Beyond by Bruce Greenwald
Value Investing: From Graham to Buffett and Beyond by Bruce Greenwald is a comprehensive guide to value investing. Greenwald is a professor of finance and asset management at Columbia University, and the book is based on his popular value investing course. In the book, Greenwald provides a detailed overview of the value investing philosophy, approach, and strategies, as well as practical advice on how to implement these ideas in the real world. The book covers a wide range of topics, from the basics of financial statement analysis and valuation to the importance of patience and discipline in investing. Value Investing is a highly recommended read for anyone interested in value investing and fundamental analysis.
- Buffett: The Making of an American Capitalist by Roger Lowenstein
Buffett: The Making of an American Capitalist by Roger Lowenstein is a biography of Warren Buffett, one of the most successful and respected investors of all time. Lowenstein is a financial journalist and author, and the book is based on extensive interviews with Buffett, his family, and colleagues. The book provides a detailed account of Buffett’s life and career, from his childhood in Omaha to his early investments in the stock market to his leadership of Berkshire Hathaway. The book also includes insights into Buffett’s investment philosophy, principles, and practices, as well as his views on business, economics, and society. Buffett: The Making of an American Capitalist is a must-read for anyone interested in Buffett, investing, and business.
- When Genius Failed: The Rise and Fall of Long-Term Capital Management by Roger Lowenstein
When Genius Failed: The Rise and Fall of Long-Term Capital Management by Roger Lowenstein is a non-fiction book that tells the story of Long-Term Capital Management (LTCM), a hedge fund that was founded in 1994 by a group of traders, academics, and Nobel laureates, including Myron Scholes and Robert Merton. The book provides a detailed account of the events leading up to the collapse of LTCM in 1998, which nearly triggered a global financial crisis. Lowenstein argues that the failure of LTCM was due to a combination of hubris, excessive leverage, and a flawed mathematical model. When Genius Failed is a cautionary tale about the dangers of financial innovation, risk-taking, and overconfidence.
- Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor by John C. Bogle
Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor by John C. Bogle is a classic book on mutual fund investing. Bogle is the founder of Vanguard Group, one of the largest and most respected mutual fund companies in the world. In the book, Bogle argues that most mutual funds are too expensive, too complex, and too risky for the average investor. He advocates for a simple, low-cost, and passive approach to investing, which involves investing in index funds that track the performance of broad market indexes such as the S&P 500. Bogle also provides practical advice on how to select and evaluate mutual funds, as well as insights into the history and evolution of the mutual fund industry. Common Sense on Mutual Funds is a must-read for anyone who wants to learn about mutual funds and passive investing.
- Against the Gods: The Remarkable Story of Risk by Peter L. Bernstein
Against the Gods: The Remarkable Story of Risk by Peter L. Bernstein is a non-fiction book that explores the history of risk and probability theory. The book provides a detailed account of how humans have learned to quantify and manage risk, from the ancient Greeks and Romans to the modern era of financial engineering and risk management. Bernstein argues that risk is a fundamental aspect of human life and that the ability to understand and manage risk has been essential to the progress of civilization. He also provides insights into the role of probability theory in science, economics, and finance, as well as its limitations and controversies. Against the Gods is a fascinating and informative book that offers a unique perspective on risk and its impact on human history and society.
- If You Can: How Millennials Can Get Rich Slowly by William J. Bernstein
If You Can: How Millennials Can Get Rich Slowly by William J. Bernstein is a short and concise book that offers practical advice on personal finance and investing for young people. The book is written in a simple and easy-to-understand language, and it is based on the idea that achieving financial independence is a matter of discipline, patience, and common sense. Bernstein argues that millennials have a unique advantage when it comes to investing, as they have access to low-cost index funds and other passive investment vehicles that were not available to previous generations. He provides practical tips on how to save money, create a budget, invest in a diversified portfolio, and avoid common financial mistakes. If You Can is a great introductory book for anyone who wants to learn about personal finance and investing, and it is especially useful for millennials who are just starting their careers and building their wealth.
- All About Asset Allocation, Second Edition by Richard Ferri
All About Asset Allocation, Second Edition by Richard Ferri is a comprehensive guide to asset allocation, which is the process of diversifying an investment portfolio across different asset classes, such as stocks, bonds, and real estate, in order to manage risk and maximize returns. The book covers the basic principles of asset allocation, including risk and return, asset class characteristics, and portfolio construction. It also provides detailed information on how to create a custom asset allocation strategy that is tailored to an individual’s investment goals, risk tolerance, and time horizon. The second edition of the book has been updated with the latest research and data, and it includes new chapters on alternative investments and international diversification. All About Asset Allocation is a valuable resource for investors of all levels, from beginners to experienced professionals, who are looking to build a well-diversified portfolio that can weather market fluctuations and generate long-term returns.
- The Money Game by Adam Smith (a pseudonym for George Goodman)
The Money Game by Adam Smith (a pseudonym for George Goodman) is a classic investment book that provides a witty and insightful commentary on Wall Street and the investment industry. Published in 1968, the book is still relevant today, as it offers timeless wisdom and lessons that are applicable to investors of all levels. The book is written in a humorous and conversational style, and it uses a variety of anecdotes, case studies, and personal experiences to illustrate its points. The Money Game covers a wide range of investment topics, including market trends, stock picking, risk management, and the psychology of investing. It also provides insights into the personalities and strategies of some of the most successful investors of the time, such as Warren Buffett and George Soros. The Money Game is a fun and informative read for anyone interested in investing, finance, and the inner workings of the investment industry.
- Extraordinary Popular Delusions and the Madness of Crowds by Charles Mackay
is a classic book that explores the role of social psychology in financial markets. Published in 1841, the book examines a number of historical examples of financial manias and speculative bubbles, including the Dutch tulip mania, the South Sea Bubble, and the Mississippi Company. Mackay argues that these episodes of irrational exuberance were driven by psychological factors such as greed, fear, and herd mentality, rather than rational economic or financial considerations. The book is divided into three parts: “National Delusions,” “Peculiar Follies,” and “Philosophical Delusions,” and it covers a wide range of topics, from alchemy and witchcraft to the stock market and the gold rush. Despite its age, Extraordinary Popular Delusions remains relevant today, as it provides valuable insights into the psychological factors that can influence investor behavior and market trends.
- What Works on Wall Street: A Guide to the Best-Performing Investment Strategies of All Time by James O’Shaughnessy
What Works on Wall Street: A Guide to the Best-Performing Investment Strategies of All Time by James O’Shaughnessy is a comprehensive guide to investing that presents a quantitative approach to stock selection. The book is based on extensive research that examines the performance of different investment strategies over long periods of time, and it identifies the strategies that have consistently outperformed the market. The book covers a wide range of investment topics, including value investing, momentum investing, and small-cap investing, and it provides detailed instructions on how to implement these strategies in practice. What Works on Wall Street also includes a number of case studies and examples that illustrate the principles and strategies discussed in the book. The book is aimed at investors who are interested in a systematic and evidence-based approach to investing, and it provides a valuable resource for those looking to develop a long-term investment strategy.
- Buffettology: The Previously Unexplained Techniques That Have Made Warren Buffett the World’s Most Famous Investor by Mary Buffett and David Clark
Buffettology: The Previously Unexplained Techniques That Have Made Warren Buffett the World’s Most Famous Investor is a book by Mary Buffett and David Clark that aims to uncover the investment principles and strategies of Warren Buffett. The book provides an overview of Buffett’s life and investment philosophy, and it outlines a number of key concepts and techniques that Buffett has used to achieve his success. These concepts include the importance of investing in high-quality companies with a durable competitive advantage, the use of “owner earnings” as a key valuation metric, and the benefits of a long-term investment horizon. The book also provides detailed analysis of some of Buffett’s most successful investments, including Coca-Cola, American Express, and Gillette. Written in a clear and accessible style, Buffettology is a useful guide for investors who are interested in learning more about Warren Buffett’s investment philosophy and strategies.
- Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich by Jason Zweig
Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich by Jason Zweig is a book that explores the intersection between psychology, neuroscience, and investing. The book examines the ways in which our brains are wired to make financial decisions and how we can use this knowledge to become better investors. The author draws on research from fields such as behavioral finance and neuroeconomics to explain why people often make irrational financial decisions and how to avoid common pitfalls. The book covers a wide range of topics, including the psychology of risk-taking, the impact of emotions on investing, and the importance of diversification. It also provides practical advice on how to develop a disciplined investment strategy, how to avoid common cognitive biases, and how to stay focused on long-term goals. Your Money and Your Brain is a useful resource for investors who want to understand the science behind financial decision-making and develop strategies to improve their investment performance.
- The Big Short by Michael Lewis
The Big Short is a non-fiction book by Michael Lewis that explores the events leading up to the financial crisis of 2008 through the stories of a group of investors who bet against the housing market. The book follows several individuals who saw the potential for a housing bubble and sought to profit from its collapse. These investors, including hedge fund manager Steve Eisman and investor Michael Burry, used various financial instruments to bet against the housing market, and ultimately made huge profits when the market crashed. The book provides a detailed and engaging account of the financial crisis, examining the complex financial instruments and practices that led to the collapse of the housing market. The author uses personal anecdotes and vivid storytelling to explain complex financial concepts and make the events leading up to the crisis accessible to a general audience. The Big Short is a compelling read for anyone interested in the history of the financial markets and the events that led to the 2008 financial crisis.
- Berkshire Hathaway Letters to Shareholders by Warren Buffett
“Berkshire Hathaway Letters to Shareholders” is a series of annual letters written by Warren Buffett, the CEO of Berkshire Hathaway, to the company’s shareholders. The letters cover a wide range of topics related to investing, business, and finance, and are widely regarded as some of the most insightful and valuable writings on investing and corporate strategy.
The letters provide a comprehensive overview of Berkshire Hathaway’s investment philosophy, business practices, and management style, and offer readers a rare glimpse into the mind of one of the most successful investors of all time. The letters also offer valuable lessons on topics such as risk management, corporate governance, and capital allocation.
“Berkshire Hathaway Letters to Shareholders” is a must-read for anyone interested in the world of finance and investing, and is often cited as one of the most influential works on value investing and corporate strategy.
- The Education of a Value Investor by Guy Spier
“The Education of a Value Investor” is a memoir by Guy Spier, an investor and founder of the Aquamarine Fund. In the book, Spier recounts his journey from a young finance professional in New York City to a successful value investor, sharing insights and lessons he learned along the way. Spier describes his early experiences working on Wall Street and his disillusionment with the finance industry’s focus on short-term gains and excessive risk-taking. He then details how he discovered the value investing approach and its emphasis on long-term, patient investing in high-quality companies. Throughout the book, Spier shares personal anecdotes, investment strategies, and wisdom he gained from his mentors, including Warren Buffett. He also discusses the importance of mindfulness, ethics, and self-awareness in investing and life. “The Education of a Value Investor” is a valuable resource for anyone interested in value investing and the philosophy and principles that guide successful investors.
- Unconventional Success by David F. Swensen
Unconventional Success by David F. Swensen is a guide to investing for individual investors, particularly those investing for retirement. Swensen is the chief investment officer at Yale University and is considered a pioneer of the institutional investment approach for individual investors.
- Manias, Panics, and Crashes: A History of Financial Crises by Charles P. Kindleberger
Manias, Panics, and Crashes: A History of Financial Crises is a book by Charles P. Kindleberger that examines the history of financial crises and their causes. The book argues that financial crises are not random events but instead follow a pattern that can be predicted and prevented.
- Antifragile: Things That Gain from Disorder by Nassim Nicholas Taleb
Antifragile: Things That Gain from Disorder is a book by Nassim Nicholas Taleb that challenges the traditional view of risk and uncertainty in finance and investing. The book argues that systems, organizations, and individuals that are antifragile not only survive but thrive in the face of volatility, uncertainty, and disorder. Taleb argues that traditional risk management practices are flawed because they focus on reducing downside risk without considering the upside potential of uncertainty. He proposes that individuals and organizations should embrace uncertainty and volatility, and build resilience through trial and error, redundancy, and diversity.
The book has been influential in the field of finance and investing, and has inspired many to rethink their approach to risk management and portfolio construction. It is a thought-provoking and challenging read that offers a fresh perspective on the role of uncertainty in our lives.
- More Money Than God: Hedge Funds and the Making of a New Elite by Sebastian Mallaby
More Money Than God: Hedge Funds and the Making of a New Elite is a book by Sebastian Mallaby that provides an in-depth look at the rise of hedge funds and their impact on the financial world. The book explores the history of hedge funds, their investment strategies, and the key players who have shaped the industry over the years.
- Richer, Wiser, Happier by William Green
Richer, Wiser, Happier is a book by William Green that explores the investment philosophy and practices of some of the most successful investors in the world. Through a series of interviews and conversations with notable investors such as Howard Marks, Joel Greenblatt, and Mohnish Pabrai, Green shares insights and lessons on how to achieve lasting success in the world of investing.
- Liar’s Poker by Michael Lewis
In this shrewd and wickedly funny book, Michael Lewis describes an astonishing era and his own rake’s progress through a powerful investment bank. From an unlikely beginning (art history at Princeton?) he rose in two short years from Salomon Brothers trainee to Geek (the lowest form of life on the trading floor) to Big Swinging Dick, the most dangerous beast in the jungle, a bond salesman who could turn over millions of dollars’ worth of doubtful bonds with just one call.
With the eye and ear of a born storyteller, Michael Lewis shows us how things really worked on Wall Street. In the Salomon training program a roomful of aspirants is stunned speechless by the vitriolic profanity of the Human Piranha; out on the trading floor, bond traders throw telephones at the heads of underlings and Salomon chairman Gutfreund challenges his chief trader to a hand of liar’s poker for one million dollars; around the world in London, Tokyo, and New York, bright young men like Michael Lewis, connected by telephones and computer terminals, swap gross jokes and find retail buyers for the staggering debt of individual companies or whole countries.
- Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School by Andrew Hallam
Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School by Andrew Hallam
is a personal finance and investing book that emphasizes the importance of index fund investing, diversification, and low fees. Hallam, a high school teacher turned millionaire investor, uses his own experiences and the research of financial experts to provide practical advice for everyday investors. The book is aimed at novice investors, and provides clear explanations of complex financial concepts in an easy-to-understand language.
- Long-Distance Real Estate Investing: How to Buy, Rehab, and Manage Out-of-State Rental Properties by David Greene
Long-Distance Real Estate Investing: How to Buy, Rehab, and Manage Out-of-State Rental Properties by David Greene is a popular book on real estate investing that covers the strategies and tactics needed to invest in real estate from a distance, without having to be physically present in the location of the property. It provides insights into finding profitable real estate markets, building a team of local experts, managing rental properties remotely, and more.
- Simple Wealth, Inevitable Wealth, Revised Edition
is a book on personal finance and investing by Nick Murray, a financial advisor and writer. The book provides insights and advice on how to build long-term wealth by making sound financial decisions, focusing on the fundamentals of investing, and maintaining a disciplined approach to financial planning. The revised edition includes updated statistics and market data to help readers navigate the ever-changing investment landscape. It also offers practical tips and strategies for investors of all levels, from beginners to experienced professionals.
- Financial Shenanigans: How to Detect Accounting Gimmicks & Fraud in Financial Reports by Howard Schilit
Financial Shenanigans: How to Detect Accounting Gimmicks & Fraud in Financial Reports is a book by Howard Schilit that was first published in 1993. The book provides an in-depth look at how companies can manipulate financial reports to hide their true financial health, and it teaches investors how to spot these accounting tricks before it’s too late. It is widely regarded as one of the best books on accounting and financial analysis, and it has been updated several times to reflect changes in the accounting world.
- The Misbehavior of Markets: A Fractal View of Risk, Ruin and Reward by Benoit Mandelbrot and Richard L. Hudson
The Misbehavior of Markets: A Fractal View of Risk, Ruin and Reward is a book on finance and investing co-authored by Benoit Mandelbrot and Richard L. Hudson. It provides an alternative view of financial markets by utilizing fractal geometry to explain market behavior, including unexpected events like market crashes. The book also emphasizes the importance of understanding and accounting for the “fat-tailed” nature of financial data, in contrast to traditional models that assume normal distribution.
- Global Asset Allocation by Meb Faber
Global Asset Allocation is a book by Meb Faber that offers a practical guide to investing by examining various asset classes and their performance over time. The book presents a simple yet effective approach to building a diversified investment portfolio that maximizes returns while minimizing risk. It also covers topics such as market timing, diversification, rebalancing, and risk management. Overall, Global Asset Allocation is a great resource for both novice and experienced investors looking to improve their investment strategies.
- The Clash of the Cultures by John C. Bogle
The Clash of the Cultures is written by John C. Bogle. It is a book that argues for a return to long-term, passive investing and a rejection of short-term speculation in the financial markets. The book criticizes the current culture of the financial industry and argues that the focus on short-term profits and trading is harmful to both individual investors and the overall economy. Instead, Bogle advocates for a return to the values of long-term investing and a focus on index funds and other low-cost, diversified investment vehicles.
- Bull by Maggie Mahar
Bull is a book written by Maggie Mahar that examines the history of the stock market and its relationship to the economy, as well as the impact of financial innovation and technological advancements on the market. The book explores the reasons for the market’s volatility and the factors that contribute to the cycles of boom and bust.
- A Wealth of Common Sense by Ben Carlson
A Wealth of Common Sense by Ben Carlson is a highly recommended investing book that provides practical advice on how to make sound investment decisions in any market condition. It combines insights from behavioral finance, history, and real-life examples to help readers navigate the complex world of investing. The book is an excellent resource for beginners and experienced investors alike who are looking to build long-term wealth through smart investment decisions.
- Get a Financial Life by Beth Kobliner
Get a Financial Life by Beth Kobliner is a personal finance book that covers a wide range of topics, including setting financial goals, creating a budget, managing debt, investing, and planning for retirement. It is a practical guide that provides readers with actionable advice and strategies to achieve financial independence.
*Links to books are affiliate links
Best AI Tools in 2023 for Content Creators and Beyond
Before you go through this extensive article on AI Tools and AI Tools for creators, you should check out the ChatGPT WordPress Plugin: Lifetime License on The Bril Store, if you have a WordPress Blog or Website: Click Here to check it out now!
A lot of people are looking into artificial intelligence (AI) right now. There are numerous companies that are developing AI platforms that cater to businesses, large and small, that want to use it.
There are many tools available for developers to create their own AI applications. This makes it very accessible for everyone. These apps can be used for everything from voice search to generating automatic responses to inquiries.
Many of these apps have gained a lot of traction as people see the benefits of this new technology and want to try it out for themselves. However, not all apps work and you have to manually upload your data if you don’t see a response from the app in question.
This article will go over some of the top emerging artificial intelligence (AI) tools and give some details on what they do. As the article is lengthier, we will keep adding more content here at The Best AI Tools article format.
First we will list out AI tools specifically for content creators:
Our favorite before you get started with the list is Juice.ai
Juice.ai Pilot: Lifetime Subscription
Generate 100% Unique, Spectacular SEO Content & Drive More Organic Traffic to Your Website
Be your own marketing hero with Juice.ai. You understand your business. We understand marketing. Use Juice.ai to turn your site into a money-making machine.
Juice’s AI model is trained to generate 100% unique and spectacular content, so you’ll get high-quality results every time. And with Juice’s optimizer, there’s no need to spend hours tweaking out each article—the AI handles all of that for you! Getting your blog ranked on Google’s first page is easier than ever before with this software.
You can use Juice on any platform—we’ve got it set up so that you don’t have to worry about anything except creating awesome content!
- Keyword exploration. Find relevant SEO keywords right on your dashboard! No need to bother with other SEO tools, our keywords are so competitive it’s insane
- 100% unique & plagiarism free. AI models are constantly being improved so the content will only get better
- Bulk generation. Generate up to 25 articles at a time. Spruce them up & publish straight to your website
- Website integration. Push content directly to your website with WordPress & Shopify integration
- Article generation. Generate full-length SEO articles with the click of a button
- Section regeneration. Regenerate sections of the article that need revision. Change the heading to create a section with an entirely new flavor
- Unfiltered content. Enjoy the freedom of unfiltered content (since other tools that use GPT-3 filter your content automatically). You can also choose to filter content to block profanity
- Flexible editor. Easily change content using our fast & flexible editor. Add your own flair and style before publishing
- Immediately add relevant media. Articles are already generated with relevant media. However, you can search for/add images manually using Pexels integration
- Content optimization. Automatically add rich content to your posts such as relevant images, videos, tags, & styling
- Multi-language support. Generate articles in over 10+ languages
- Article Output Per Month: 25
- Team Size: 1
- Bulk Generation: 25
- Seed Words: 0
- Keyword Explorer: Juicy Tier (Tier 1)
- 4.8/5 rating on G2: ★ ★ ★ ★ ★
- 4.5/5 rating on Capterra: ★ ★ ★ ★ ★
Get Juice.ai pilot Lifetime License on The Bril Store Now By Clicking Here!
Other tools for content creators that we love:
- Grammarly: Grammarly is an AI-powered writing tool that checks your spelling, grammar, and punctuation. It also provides suggestions for improving your writing style, tone, and clarity.
- Copyscape: Copyscape is an AI-powered plagiarism checker that ensures your content is original and unique. It checks your content against billions of web pages to identify any instances of plagiarism.
- Wordsmith: Wordsmith is an AI-powered writing tool that generates written content for you. It can be used to create reports, articles, and other types of content. It uses natural language generation (NLG) to create human-like text.
- Quillbot: Quillbot is an AI-powered writing tool that rephrases sentences and paragraphs to make them clearer and more concise. It can be used to paraphrase content, reword sentences, and improve readability.
- Canva: Canva is an AI-powered graphic design tool that helps you create stunning visuals for your content, including social media posts, infographics, and presentations. It offers a range of templates, graphics, and fonts to make design easy and accessible for anyone.
- Lumen5: Lumen5 is an AI-powered video creation tool that can turn your blog posts or articles into engaging videos. It uses AI to automatically create video scenes and animations based on your content.
- Hootsuite Insights: Hootsuite Insights is an AI-powered social media monitoring tool that helps you analyze social media trends and track your brand’s performance. It offers real-time analytics, sentiment analysis, and social listening features.
- Yoast SEO: Yoast SEO is an AI-powered plugin for WordPress that helps optimize your content for search engines. It suggests improvements to make your content more visible and appealing to search engines.
- BuzzSumo: BuzzSumo is an AI-powered content marketing and research tool that helps you identify the most popular content in your niche. You can use it to track your competitors, identify influencers, and track social media trends.
- HubSpot: HubSpot is an AI-powered marketing automation platform that includes tools for content creation, social media management, email marketing, and more. It also offers analytics and reporting features to track your content’s performance.
- IBM Watson: IBM Watson is an AI-powered platform that offers a range of services, including language translation, sentiment analysis, and content analysis. It can be used to create more personalized and targeted content.
- CoSchedule Headline Analyzer: CoSchedule Headline Analyzer is an AI-powered tool that analyzes your headlines and suggests improvements to make them more engaging and clickable. It helps you create headlines that will attract more clicks and shares.
- OpenAI GPT-3: OpenAI GPT-3 is a state-of-the-art language model that can generate human-like text. It can be used to write articles, product descriptions, and even poetry. It’s currently one of the most advanced AI writing tools available.
- Adobe Sensei: Adobe Sensei is an AI-powered technology that is built into Adobe’s creative tools, including Photoshop and Premiere Pro. It can be used to automate tasks, enhance images, and create custom designs. It uses AI to make creative work faster and easier.
- Contentful: Contentful is an AI-powered content management system (CMS) that helps content creators manage their content in a centralized platform. It offers tools for content creation, content optimization, and content delivery. It’s designed to make content management more efficient and flexible.
- WriteSonic: WriteSonic is an AI-powered copywriting tool that can generate high-quality marketing copy. It can be used to
Now let us look at the other AI tools available.
Open-source artificial intelligence software is a stable source of AI tools for companies and individuals. Some of these open-source solutions are available now, while others will be in circulation in the future.
Today, you have the option to purchase a closed source open-source AI software system or download and use one yourself. You can also access the latest versions through their website or channel for update.
These systems work by feeding your requests for intelligence into its training set of examples, which it then utilizes to make decisions. This means if you give it a few examples, it will start answering your questions!
If you are looking to develop your own open-source AI system, here are some considerations to make: find a good training set; create an example class; and measure your results. All of these components must be in place for successful open-source AI development.
A new addition to the top 10 best artificial intelligence tools in 2023 is Amazon Lex. This tool can be used by businesses to create automated responses to customer questions and requests.
Users can create custom answers using the platform, and then those answers can be used by other users. This is a great way to grow your customer service team.
The main benefit of using Lex is that it can take a partial response and turn it into a full-blown answer. For example, if a customer asks how to pay with their Amazon app, you can give them a quick answer and then they can download the app and send you money later.
Although this feature does not exist in every application, when done right, it can dramatically increase conversion rates. Many companies are struggling with this important aspect of customer service.
One of the most popular ways to create artificial intelligence models is by using a framework called Sage. This framework was originally created for building natural language processing models, but has been extended to include many other tasks.
Sage is very customizable and can be used for any task, from creating image classification models to text analysis engines. Most model developers use the grammar modeling tool, which requires little technical knowledge.
The model that you generate will look pretty good considering this is a natural language processing tool. You can export your model as an easy-to-use python library or as a set of instructions for another software entity.
This article will go over the ten best machine learning tools available in 2023 and give some brief details on them so that you can get started with them immediately.
Google Cloud Machine Learning Engine
If you are looking to build your next AI app, the Google Cloud Machine Learning Engine is a powerful tool available in 2023. This service will help you create and train your own AI models and apps.
You can use this service to create new applications or add-ons to your current ones. It is also possible to switch between free and paid accounts depending on what level of power you want in your app.
This service will not be available as free account in 2023, so make sure you have saved your account password before it ends!
This machine learning engine is offered as a cloud service instead of being installed on personal computers. This makes it more secure and reliable for apps to have access to it.
However, since it is a cloud service, the apps can be connected anywhere with just a password.
IBM Watson Studio
The newest addition to the collection of AI tools is IBM Watson Studio. This tool was released just over a year ago, making it the latest addition to the growing range of AI tools.
Unlike its more traditional counterparts, which can be used to create and run custom artificial intelligence (AI) programs, IBM Watson Studio allows you to create an AI system that learns by practicing.
You can then use this system in your application or platform as an advanced feature that you can add and remove as you see fit. It also allows you to import your previous training data so you do not have to start from scratch when creating your system.
This makes it very flexible which makes it even more valuable as a valuable tool for your company. You can buy it at $39 USD which is around £26 GBP at this time of writing.
Azure Machine Learning Service
At the moment, the best available machine learning services are in the cloud. You can access them via a web interface or via a phone app.
Their major drawback is that you must have a Microsoft account to use them. This makes them more expensive and frustrating for non-Microsoft users.
However, this is about to change as technology continues to evolve. You will be surprised how many times you will need a machine learning service at some point in your business (or personal) life!
Their latest addition is the Azure Machine Learning Service.
Intel Falcon Lake
The Intel® Pentium® Platinum line of processors is one of the oldest lines in the business. However, this does not mean that these are not top quality hardware!
These processors feature a high level of integration and features that make them very special. Today, these chips are found in high-end laptops such as the Dell XPS 15. This laptop has several powerful core functions, making it a hot item on the market.
Today, there are many tools for artificial intelligence that work with Intel® processors. Some of these tools run on Windows or Linux, and can be installed via a package manager or specialist software.
The latest generation of artificial intelligence tools is called GPGPU. It stands for global performance analysis graphics processing unit and was developed in conjunction with the change in consumer technology known as mobile technology.
GPGPU is a term that refers to the specialized hardware and software used to analyze a computer’s performance as it processes data and operates. This type of analysis is used to increase the speed at which your machine can process data and make your AI tool more efficient.
Mobile technology, or mobile devices, are now the standard hardware and software devices used in AI. This makes things even more challenging for developers as they have to find ways to update their tools.
Thankfully, there has been constant development on this front and we are now able to enjoy these new tools for our own use. They help increase both efficiency and flexibility in creating an AI system.
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Things Parents Should Consider When Raising A Female Child
Raising a daughter is a unique and wonderful experience, but it also comes with its own set of challenges. In today’s world, it’s more significant than ever to ensure that our daughters grow up to be strong, confident, and empowered women. But where do we start? Here are some key considerations to keep in mind when raising a female child[Read more…]
Which Is Better Sam’s Club Membership Or Costco Membership?
Membership programs like The Source, Nautilus, & Apollo are more expensive alternatives to the Sam’s Club & Costco Membership. However, if you do not have a very reliable source for meat & grocery items, it is highly recommended you sign up for one of these membership programs.
These membership offers have their own in-house supply chains & warehouses to store your items, so if an item is out of stock they will find another source to replenish it quickly. This helps you save both time & money as you do not have to search for what you need when it is gone!
The biggest downside to these membership offers is that you need to pay for shipping every time you order anything.
With so many membership services, it can be hard to decide which one is the best for you. You will have to take into account features such as members-only discounts, special events, and online shopping options.
Some services even offer membership packages with other clubs, so check those out too.
In addition to the benefits of the membership program you join, members-only events and discounts can make your membership worth it. Having a higher selection of goods and services in your member area will help grow your business!
Costello says: Both Sam’s Club and Costco offer great choices in shopping habits.
Having a membership at a specific store is an awesome way to save money. You can also factors in the location of your membership as well.
For instance, if you have a Costco membership in downtown Seattle, you would really value this due to the high cost of housing and transportation.
You would probably not want to live anywhere but Seattle due to this savings. You would save much more if you had a Sam’s Club membership than you would at Costco, for instance.
You can also find better deals on stuff online rather than at the store, so staying online has its perks as well. Having the ability to stay connected 24 hours a day, every day of the year is great at helping find good deals!
Both kinds of memberships can be useful for saving money, just depends on what kind you get.
While both Sam’s Club and Costco offer members free items, only members of Costco can access the annual outing program. This program allows you to go into a store and get items for free as long as you return them at the store.
The best part about this program is that it is available to anyone, not just members. You can go into the spirit shop at your local club and ask for anything you need to wear or carry to work. You will probably get it!
Both clubs have loyalty programs where you can earn rewards but only members can redeem points on products they do not manufacture themselves. This can be an issue if you do not want to buy from them but your membership expires and you do not have membership points, gear or even a t-shirt to show for it.
There are many coupons available for things like grocery stores, stores, and websites. Many sites have their own coupon app you can download and use. You can also check out FreeCoupon or Coupon Discounts to find new coupons.
Costco has a strategy of having a large number of couponing codes on their website, which you can use when shopping at Costco. Most of them are for products sold at Costco, so you can double down on your savings!
The best way to find the best Sam’s club coupons is to browse free online coupon sites. There are quite a few that offer good quality services and offers, making it easy to find the best deal for you.
CONS: While there are lots of good coupons available, there may be some that are hard to decipher as it may be for someone with no experience in couponing.
Sam’s Club Membership
If you are looking to save money then joining a Sam’s Club membership is an excellent way to do so. The membership costs just $99 for the first year, making it an extremely affordable way to get into the club.
This is one of the best Sam’s Club membership offers that you can have. You will still be able to shop at Costco even after joining the Sam’s club, so there’s still value in this membership.
If you want tremendous value, Buy your Sam’s Club 1-Year Membership for Just $24.99 at The Bril Store!
Considering the cost of Sam’s Club membership, it is worth considering whether or not a Costco membership is more beneficial. Having a membership at a store near you is an easy way to take advantage of their services.
Costco memberships come in several lengths, including annual, monthly, or weekly. By having this option, members can determine which one works best for them. Normally the annual membership fee is $60 and $60 for affiliate/additional members.
Monthly and annual memberships have regular reviews and updates from staff at the warehouse, making it feel more personal than a weekly membership. Staff also have the ability to deal with inquiries and questions from members faster than someone who just gets answers from a staff member.
Having access to the warehouse staff also gives members access to products they would not be able to find at their local store, making the whole experience more valuable.
Having more options doesn’t necessarily mean you are more knowledgeable about products. You are more likely to make the wrong choice because you are informed about the product and/or because you see it available at another store.
More choices can also mean that you end up purchasing products you do not need, or that you overpay for products.
Both Sam’s Club and Costco offer similar benefits with their membership programs, such as access to discounted products and services, exclusive deals, and access to their respective warehouse clubs. However, there are some differences that may make one membership a better fit for you than the other.
Costco is generally known for its high-quality products and more upscale shopping experience, while Sam’s Club is known for its lower prices and larger product selection.
Costco also offers additional perks with its membership, such as discounts on travel and rental cars, a no-fee pharmacy, and free health screenings. On the other hand, Sam’s Club offers services like tire and battery installation, a car-buying program, and photo printing services.
Ultimately, which membership is better for you will depend on your individual shopping habits and preferences. Consider factors such as product selection, location, and additional perks when making your decision. Additionally, if you have friends or family who are members of either club, you may want to consider joining the same club as them to take advantage of shared benefits, such as bulk purchasing or sharing of membership fees.
To cut the long story short, NOTHING beats the Sam’s Club Membership that you can get at The Bril Store for JUST $24.99! Click Here to Get it Now!
Encouraging Cultural Acceptance In Children
As a society, we often talk about the importance of diversity and inclusivity, but have we stopped to think about how we can teach these values to our children? It’s easy to assume that children are naturally accepting of people from all walks of life, but unfortunately, this isn’t always the case. In fact, studies have shown that children can develop prejudices as early as three years old. So, how can we encourage cultural acceptance in our children? Let’s explore.[Read more…]
The Best Cloud Storage Apps For All Your Photos, Documents And More
With the increasing need for fast, easy-to-use cloud storage services, apps have vastly increased in popularity. It’s hard to decide which app is the best for you and your needs, though.
These apps vary in how they help you save data and documents, offer smooth access to your data and documents, and support multiple devices. They also differ in their pricing models.
Some cost-effective solutions are available through free accounts, while some require a paid account to access the full capabilities. So read on…..
Before we list the usual suspects, we have some amazing lifetime subscription / unlimited cloud storage apps for your files, photos, videos and more, that will really help you avoid the steep monthly/annual subscription fees! Here goes….
Degoo Premium: Lifetime 10TB Backup Plan
Stay Secure with Backup from Degoo & Never Worry About Losing Your Files. Ever.
Users are juggling huge amounts of data, so it makes sense that you’re taking care of that data responsibly. Degoo is an AI-based cloud storage that helps you rediscover your best photos. With Degoo, you get 10TB of supremely secured storage space from which to manage and share files with awesome simplicity. With high-speed transfers from a database that offers more storage space than Dropbox, OneDrive and Google Drive combined, you’ll love how easy it is to keep tabs on all of your valuable data. Store, re-experience and share your best moments with cloud storage for your mobile phone, tablet, and web browser.
- Store 10TB of data with ultra-secure 256-bit AES encryption
- Send files easily to friends via email, link or your favorite messaging app
- Files are replicated when you upload them, giving you extra peace of mind
- Upload from all of your devices
- Get more storage space than Dropbox, OneDrive and Google Drive combined
- Keep your storage automatically up to date thanks to automatic file change detection (Android app)
- 10TB storage space
- Unlimited devices
- 1 GB file size limit
- 1-year account inactivity
- Photo storage maximizer
Upgrades available in-app to unlock all premium features, including, but not limited to, 50 GB file size limit, no ads and no account inactivity.
Get Degoo Premium: Lifetime 10TB Backup Plan from The Bril Store by Clicking Here!
Koofr Cloud Storage: Lifetime Subscription (1TB)
Access All of Your Files in One Place! Koofr Offers 1TB of Safe Cloud Storage to Secure Your Files
Running out of storage space on your computer or smartphone is one of the most frustrating things we experience in our modern, digital world. Constantly having to go through photos, videos, and other large files and delete them takes up time, and most importantly, energy. If you’re tired of encountering this ever-irritating problem, you need a cloud storage solution that will allow you to keep all of your important files safe and secure.
Koofr is a safe, private, and simple cloud storage service, accessible through the web, mobile, and WebDav. View all your files in one place by easily connecting to existing cloud accounts (Dropbox, Google Drive, Amazon, and OneDrive), and transfer huge files to external clouds with no limit. Once you subscribe to Koofr’s 1TB lifetime plan, you’ll get access to Koofr Duplicate Finder, a tool that helps you find and remove duplicate files inside your Koofr account so you don’t end up with more than one of the same thing. You can manage your files and account with Koofr’s advanced renaming option and link appearance customization option, as well. Save your files without worry, and let Koofr Cloud Storage take care of the rest.
- Koofr is the only cloud storage that doesn’t track you
- Upload, access & share any file with no size limit
- It is easy to get started and keep your files safe & accessible
- Connect to external cloud accounts & access all your files
- Find & remove unnecessary duplicate files with Koofr Duplicate Finder
- Access files in your remote computer with the Koofr Desktop App
- Rename multiple files with the advanced renaming option
- Files are encrypted in rest & in transfer
- This lifetime offer is unique & only available for a limited time
- 4.6/5 stars on G2: ★ ★ ★ ★ ★★
- 4.6/5 stars on GetApp: ★ ★ ★ ★ ★★
- 4.6/5 stars on Capterra: ★ ★ ★ ★ ★★
- 4.3/5 stars on Trustpilot: ★ ★ ★ ★ ★★
- 4.0/5 stars on TechRadar: ★ ★ ★ ★ ★
You can get a Lifetime Subscription to Koofr on The Bril Store and Never Pay Again For Storage! Click Here!
Prism Drive Secure Cloud Storage: Lifetime Subscription
Fast, Simple, & Secure! Save Any Type of File, From Any Device, and Access It from Anywhere
Free up space on your phone, tablet, laptop, or home computer.
Keep all your important files securely in one place. Easily share large files, like video, graphics, images, and audio. Access files from your computer, your phone, or your tablet. Preview popular file types, like Microsoft office, mp4, or jpeg in your browser or app without the need to download the file. We meet or exceed industry standards to ensure your data is safe.
Prism Drive is a hot storage solution that allows you to store all of your files in one place, and access them from any device.
Easily manage all of your important files!
- Upload any file. XLS, PPT, MP4, JPEG, & just about any type of file!
- Access anywhere. Upload your files, & then securely access them from your phone, tablet or computer
- Shareable links. Create links that you can share with friends & colleagues
- File previews. Preview files inline, no need to download files to view them
- Secure storage. Fully compliant with privacy laws with the strongest available transfer encryption
- Drag & drop. Natural drag and drop features for uploading, selecting and moving files & folders
- Trash recovery. Deleted files are stored & recoverable from the trash folder for 30 days
Prism Drive: 10TB
- 10TB Storage
- File size upload limit: 10GB
- Unlimited Shared Traffic
- Zero-Knowledge Encryption
- Password Protected Sharing
- 30 Day Trash History
- Inline File Previews
What the Users are Saying“Highly recommend. I recommended your service to all my co-workers, it’s really user friendly. Keep up the good work!” – Romy Forando
“Easy to download and use. I bought 2TB for one year and this will help keep all my data safe in one location and give me the easy access I need to use it.” – Amir Khulad
Just imagine getting a lifetime subscription for 2TB, 5TB or 10TB for a one-time low charge! This might not last so grab it while it’s still available.
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G Cloud Mobile Backup Unlimited Storage Plan
If an unlimited storage plan is what you fancy for a low annual subscription, look no further.
Migrate, Organize, & Share Your Files in the Cloud with Exceptional Security and Unlimited Storage
Meet your all-in-one cloud backup. G Cloud from Zoolz gives you the Unlimited Plan. It means you’ll never have to worry about losing a single media file or ever running out of space on your phone! Migrate your call logs, contacts, messages, or media to any Android or Apple device. Back up multiple devices with a G Cloud single account. Data is securely stored on the Amazon AWS Cloud and protected by military-grade 256 AES encryption. No app, no problem! Access your G Cloud account and its contents from a web browser. Now you can import, open, or share your files anytime, anywhere.
Over 5 million downloads!
- Fully accessible storage. Migrate your call logs, contacts, messages or media to any Android or Apple device
- Integrate all your gadgets. Backup multiple devices with a G Cloud single account
- Intuitive data protection. Transfer or restore data from G Cloud with a single tap
- Exceptional security. Securely store your data on the Amazon AWS cloud with military-grade 256 AES encryption
- No app, no problem. Access your G Cloud account & its contents from a web browser
- Easy access. Organize data chronologically in one location to easily access your memories
- All-in-one. Share, view, play, & listen directly from the cloud
- 4.4/5 stars on Google Play Store: ★ ★ ★ ★ ★★
- 4.0/5 stars on TechRadar: ★ ★ ★ ★ ★
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The usual ones cloud storage apps/services that most people know of are listed below:
If you have a lot of photos, documents, or other important things, then you should consider using the powerful and easy to use Google Drive app.
With the Google Drive app for iPhone and Android, you can easily access your photos, documents, and other things you’ve stored in your phone or computer. You can also create new accounts and sync between your phone and computer.
This makes it very simple to manage your storage needs as well as find what you have stored on your device. You can also share files easily with the app as well as via email or text message.
Download: The Google Drive app is available for free on both iOS and Android devices. Don’t forget that you will have to pay for additional storage.
You can now store your complete personal data in the cloud, making it accessible anywhere you have an internet connection.
The new service makes storing your data more convenient, as it allows you to easily access and share your photos, documents, videos and other content with just one app. This is a big plus as most people have at least one important document right now.
A popular app for all types of users is The OneDrive. This app is available for download for iPhone and Android devices. With The OneDrive, you can store your documents, photos, and other things in the cloud.
You can access it anytime, as well. Just go to your device’s register and you will be able to download the app. You can also set up the app through your device’s settings, by going into My Account > apps & notifications > add account > enter your email address and password and then clicking apply.
This app is very useful if you work with a lot of people or if you need more storage space on your phone or desktop computer.
BackBlaze is a great app for safe, off-site storage. It offers several tiers of dedicated cloud storage, making it an options should you need more space.
You can sign up directly through the app or via the website, where you can create an account to sync your data. You can also purchase additional accounts as add-ons through the app or website.
What makes BackBlaze stand out from the other apps is that it does not rely on web service or server access, but rather its own dedicated app. This means that there are no links or connections to other apps, nor do they need to be installed to work.
By having the dedicated app, BackBlaze has full control over their customers’ data.
Tresorit is an app designed to hold your most important personal information. It allows you to create a secure virtual safe, which you can password protect.
You can also set up device permission settings to prevent someone from accessing your information on other devices. This app does an excellent job at protecting your data.
It also has free and paid versions, which cater to different needs. The free version is only compatible with two devices at a time, but the paid version allows you to sync between more devices.
This app is very helpful for keeping important information stored in one place.
Amazon Cloud Drive
With the new addition of Apple iCloud as a supported cloud storage provider, it is time to look at other options. You can still create an account with Apple, and from there you can add any of the popular cloud storage services such as Dropbox, Google Drive, Amazon Cloud Drive, and Windows 8.1 SkyDrive.
The main difference between these apps is that each has a desktop app as well as a mobile app, where you can browse your stored data and remove anything that is not important. The only issue with this setup is that you have to manually verify your account every time you want to add something, which is not convenient if you have lots of stuff.
Another difference is that some give more features for user accounts than the others do. For example, Amazon Cloud Drive gives its users both read/write rights and access to encrypted storage.
With the new way to storing files and images on the web, called cloud storage, your photos, documents and other big files can stay safe and secure anywhere. This is a great feature to have since most of us now store our personal information on the internet.
With the new way to storing files and images on the web, called cloud storage, your photos, documents and other big files can stay safe and secure anywhere. This is a great feature to have since most local disk storage is limited.
Some of the best cloud storage apps for all your photos, documents and more include Google Drive, Amazon S3, Dropbox, Box.com and Microsoft OneDrive. Each provides its own way to store files and has features for individual users or groups of people.
We suggest using one of these apps just for their huge selection of user accounts and features.
With the release of Google Photos, there is no excuse for not having it. It offers all the features of the other apps discussed here, with none being required for use.
It allows you to move your photos and documents around easily, and it stores it in the cloud so you can access it anywhere. It even gives you some basic filters and organization tools to use, making it very easy to use.
This app will never go out of style, as every tech-head needs this. Your friends and family will wonder how much storage they have left when your Google Photos has almost full view of your life’s stuff.
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