Free business and investing Kindle books for 20 Sep 18

Mi fábrica de dinero: Acelera tu empresa con el Método MR (Spanish Edition)

by Mauricio Rodríguez-Martínez

Este libro está dirigido a los interesados en desarrollar y lograr el éxito en su pequeña empresa. Comos sabemos, las PyMES enfrentan grandes retos y su existencia es con frecuencia efímera y decepcionante.

El autor sostiene que la principal causa de la falta de desarrollo y muerte de una empresa, es la ausencia de un método de gestión adecuado, diseñado a partir de sus características y su problemática.

Muchos atribuyen el fracaso de las pequeñas empresas a otras causas como la falta de crédito, la ausencia de productos innovadores e incluso la poca dedicación y compromiso de la gente involucrada. Esto puede ser cierto en algunos casos, sin embargo, la gran causa y la principal carencia es un sistema de gestión adecuado.

En Mi fábrica de dinero se describe y se explica cómo implementar un sistema de gestión integrado por cuatro elementos y 12 técnicas:

Elemento 1. Calidad humana: Explica cómo integrar un grupo de trabajo comprometido que goce de la autonomía necesaria y se desenvuelva en el entorno propicio para convertirse en un equipo de alto desempeño.
Elemento 2. Satisfacción del cliente: Muestra cómo seleccionar un mercado meta, identificar sus necesidades y proveer los productos y servicios necesarios para lograr su plena satisfacción.
Elemento 3. Control de procesos: Contempla las técnicas necesarias para asegurar la eficiencia operativa, la calidad de los servicios y el control de los costos.
Elemento 4. Direccionamiento: Describe un método adecuado para dirigir el negocio y mantener a todos los involucrados “jalando” parejo en la misma dirección.

En Mi fábrica de dinero se explica también cómo la tecnología impacta toda la vida dentro de la empresa y cómo influye específicamente en cada uno de los 4 elementos del método.
El Método MR (Maximización de Resultados), descrito en esta obra, se basa en las técnicas japonesas que el autor conoció durante su participación en seis programas de formación empresarial en Japón a los que asistió en los 90s apoyado por The Association for Overseas Technical Scholarship (AOTS). Estas técnicas se complementaron con las aportaciones y trabajos del brasileño Carlos S. Andriani y posteriormente se han implementado con éxito en diferentes programas. Entre estos programas destaca Moderniza de la SECTUR, y el Programa SIRC PYME que llegaron a miles de empresas a través de cientos de consultores, muchos de ellos -más de 250-, fueron formados directamente por el autor.

La implementación del Método MR y las contribuciones de empresarios y consultores, han hecho que el método evolucione y se refine hasta lo que es hoy en día.

El trabajo y las experiencias de los últimos 25 años han dado como resultado este método sencillo y práctico, adaptado a la cultura latinoamericana y que le permitirán al lector acelerar su empresa y alcanzar resultados exponenciales.

¿Estás listo para convertir tu pequeña empresa en una fábrica de dinero?



The Minimalist Budget Made Easy: 10 Simple Steps towards Financial Freedom with a Minimalist Approach ((Spend Less, Live More))

by Project Life Grows Here

The Minimalist Budget Made Easy: 10 Simple Steps towards Financial Freedom with a Minimalist Approach

Do you feel as though all you do is work, pay bills, and have no time to enjoy the things you love most in life? Why aren’t we living more and working less? Life begins at the end of your comfort zone. It is likely you have heard this quote before, so today let us apply it to our “financial comfort zones” and understand why we are working more and living less.

As humans we naturally form routines, be it working a 9 to 5, going to the gym (or not going), getting to bed late, and so on. We form habits with personal finance as well. Currently in 2018, the average American under the age of 35 has approximately $67,000 in debt, and that more than doubles for ages 35-54 years old. Common debts include credit cards, student loans, vehicle loans, and mortgages. Debt is daunting and far from comforting, yet so many are mindlessly spending on things they do not need because they bring momentary joy to our lives. Spending more, working more, and living less has become a dreadful routine, and a financial comfort zone that we should all be determined to rise out of.

With that being saidâ?¦
Are you ready to step outside of your financial comfort zone?

Are you ready to learn how to take control over your finances?

Are you ready to let go of financial stress and anxiety?

Are you ready to start living your life to the absolute fullest?

Are you ready to stop living paycheck to paycheck?

Are you ready to stop mindlessly spending on things you want and learn how to value what you truly need?

Are you ready to learn how to save for your next relaxing or adventurous vacation?

If you have answered yes to any, or all of these questions, I encourage you to read The Minimalist Budget Made Easy today!

In Just 10 Simple Steps You Will Learn About…

-Minimalism
-The minimalist budget
-Creating your very own minimalist budget
-Fixed expenses vs. arbitrary expenses
-Want vs. need
-Building a strong personal finance foundation around your values
-Setting your very own personal finance goals
-Achieving financial freedom
-Much, much more!

Minimalism has become increasingly popular today. However, not everyone is familiar with what exactly it is about. Some believe minimalism is just about choosing simple, understated items to decorate the home, or plain, neutral-colored clothing for a wardrobe.

Rather, minimalism is more about choosing only what truly matters to you. That is to say, it is about letting go of the clutter in your life – be it physical or mental – to make way for what you truly value.

Today, almost everyone is looking for different strategies on how to live a life that is more balanced, organized, happier and easier, and it is for these reasons why so many people are seeking the minimalist lifestyle.

The best part about minimalism is that anyone can apply its principles to just about any aspect of their life, including personal finance. In fact, this book is completely dedicated to minimalist budgeting and how it will add value to the lives of those who choose to embrace it.

You can expect this book to be clear and concise. In just ten short chapters you will learn how to take control over your finances, free yourself from the stress and anxiety that finance can bring, and start living a more balanced and fulfilling life.

Download your copy today!

Invest in your life and your financial future now!



Blogging: Blogging for Income (Make Money Blogging Book 1)

by Ezekiel Brenner

Blogging: Blogging for Income, assumes you have no knowledge of blogging whatsoever and holds your hand through the process of getting your blog up and getting it monetized. However, if you already have a blog, and if your only problem is the monetization aspect of things, then you will also find the answers you are looking for here.

It’s a straight-to-the point, no-fluff, guide to blogging!

A must-read for anyone who’d like to learn how to build a blog and earn an income with it!



Girl Stock: How to create beautiful feminine images for your website and social

by Hay Kitty

I love styled stock imagery and the positive impact it can have on a website. However, the demand for styled stock images far outweighs the supply making them often hard to come by. There are some amazing styled collections out there but because they are scarce, they tend to get overused by female entrepreneurs looking for the same thing.

Realising that if I I truly wanted to connect with my target market, I needed to create my own unique styled photography. You will learn exactly what I do to create these images including styling, lighting, composition, shooting and editing.

This short guide is written for all those incredible women in business looking to up their game with their website and social. Whether it is for service based or product based business, this guide is for you.



Make Money Blogging: The Ultimate Guide to Blogging for Profit

by Zebulon Goldberger

Blogging is all about getting paid for writing about something you have a passion for. For those who enjoy writing, blogging is an ideal way to work for yourself on your own terms, and at your own pace. However, before you can actually work on your own terms, you need to learn how you can properly monetize your blog in order to generate enough of an income from it to be able to justify leaving your actual job.

“Make Money Blogging: The Ultimate Guide to Blogging for Profit” reveals everything you need to know to be able to earn an income from your blog. You’ll be guided through the process of putting together a blog that will help you gain a loyal following, allowing you to earn a sustainable income from it. All you need to do is plug in the strategies which this book lays out, and reap the rewards!



Get Me to ZEROâ?¢: Use the 2018 I.R.S. Tax Code to Pay as Little as ZERO Income Taxes During Retirement and Have a Better Life

by Mark J. Orr CFP

Fully UPDATED for 2018 and the NEW TAX LAW.

Mark J. Orr has been a practicing Certified Financial Planner� (CFP®) since July 2000 for clients across the country and has also earned the RICP® designation (Retirement Income Certified Professional) in January 2017.

His financial planning practice is centered on the firm beliefs that 1) people should not pay a dime more in taxes that the law requiresâ?¦ 2) nor should they take an ounce more risk than they need to in order to reach their financial goals.

Get Me to ZEROâ?¢ describes seven synergistic tax strategies to help Americans legally get their future assets and cash-flow off the IRS’s radar screen and pay as little as ZERO income taxes during retirement – while simultaneously slashing their investment risks. This book fully explains how implementing these proven tax strategies can offer up to 20%-40% more spendable retirement income than traditional 401Ks, TSPs, 403Bs and IRAs.

Judge Learned Hand said, “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one’s taxes. Over and over again the Courts have said that there is nothing sinister in so arranging affairs as to keep taxes as low as possible. Everyone does it, rich and poor alike and all do right, for nobody owes any public duty to pay more than the law demands”.

That, in a nutshell is the legal basis for the Get Me to ZEROâ?¢ strategy – proactively and systematically arranging our financial affairs so that our future income taxes will be as low as possible. The whole aim of the Get Me to ZEROâ?¢ strategy is to make as much of your retirement cash-flow legally “invisible” to the IRS using the full tax code. And the more sources of “invisible” retirement cash-flow – the better.

This book is not about tax loopholes! Author Tom Wheelwright, CPA says, “After all, the tax law is really a map – a treasure map. As you follow this map, your taxes go down”. If we can’t eliminate future income taxes in retirement, we at least want to minimize them by becoming fully informed and proactively using the tax code as it is written and intended. Using the letter and the spirit of current and longstanding tax laws for future legal “tax avoidance”â?¦ NOT “tax evasion” is simply being tax savvy. Whose retirement are you planning for, yours… OR Uncle Sams?

Wall Street doesn’t like the TRIPLE ZERO plan at all, nor they have embraced ROTH conversions (or even ROTH contributions). Why doesn’t Wall Street like ROTH conversions? Because when you convert a traditional IRA to a ROTH, income taxes get paid to the IRS and perhaps your state. That reduces the amount left that Wall Street (your broker or advisor) can make money on (fees and commissions). ROTH conversions give them a 20%-45% pay cut!

Showing people how to implement a holistic and comprehensive planning approach that employs several diverse strategies to help people become more financially confident and secure today, while preparing for an extraordinary retirement is the primary goal of this book. Does your current retirement planning include future income tax planning? Do you have a tax-savvy exit strategy for your traditional retirement investments, so you can spend and enjoy more of your hard-earned savingsâ?¦ and pay the IRS less?

A quick look at the Table of Contents and reading the first few pages ought to give you a good idea if this book should be on your reading list. It certainly should be if you would like to reduce your taxes in retirement to the lowest amount allowed by law, avoid taxation of your Social Security and enhance you’re your overall financial position both today and tomorrow. Pay the IRS less. Keep more and have a better life!



One Life to Be You: Reinvent Your Job, Your Career and Your Life

by Juliana Tabares

How many more years of your life are you going to waste in a job that gives you more unhappiness than joy?

You were told that joining a big corporation or a recognized firm is all we needed to be successful in life, so you fought for it. When you first joined the firm you were very happy, full of dreams and expectations. But after months or even years, you live in constant anxiety and monotony. You haven’t taken any actions because you are afraid of putting at risk your life and your family’s future. Moreover, looking for a better job seems hopeless when you are over a certain age; starting your own business sounds impossible with all the responsibilities you already have, and you’re told going back to school to change your career is just unreasonable.
However sometimes, especially if you are not enjoying life, it’s worth it to stop and reconsider the price you are paying for giving up your true self. In ONE LIFE TO BE YOU, Juliana Tabares will share with you a different perspective on life to help you move forward. After 12 years consulting multinational corporations in the United States, Latin America and Europe, and after several years of personal growth and transformation, she discovered the keys to act and recover your life. In this book you will join the author on a journey to:
-Decode the corporate world.
-Defeat the fear of starting over.
-Deal with stress and anxiety.
-Discover your real purpose and passion.
-Define an action plan and make it a reality.
You only have three choices when you feel stuck and unhappy in your career: accept the situation, change it or leave it. This book will help you make that choice.



Shopify Store Secrets:: Make Money Online & Build Your Own $100,000 Shopify Online Business â?? Step-by-Step Guide

by Jonny N. Newman

Shopify Store Secrets! Having your own ecommerce website is one of the most rewarding and fulfilling things that you can do in your life. Knowing that you have the potential for unlimited income and that it all rests on how hard you work is very liberating and motivating. While having an online store is something that many people dream about, few actually follow through and build one, so you are in a unique class of individuals. Of course, creating a store has never been easier either, thanks to Shopify. In fact, setting up and launching an ecommerce website is as simple as painless as creating a WordPress or Blogger blog these days thanks to ecommerce platforms like Shopify.
What You Need to Start Your Own Ecommerce Website

There are some initial things that you should be bringing to the table if you plan to start your own ecommerce website, before you start configuring your store or even deciding what sort of products you are going to sell. You should ask yourself if you have or are willing to cultivate the items on the list below to give yourself the best chance possible of having success at selling online. Here are a few things to consider if you are thinking of getting into the business.

– Are you able to devote the time involved into making your store successful? That may include several hours per week that you spend setting up your ecommerce website while still having to work a full-time job or assume your regular responsibilities. Even if you are able to be successful and work your store full-time you will have to spend time each week on order fulfillment, shipping, updating your store, communicating with customers and following the industry of products that you are selling.

– Do you have the ability to invest in your store while still meeting your financial responsibilities and possibly compromising the lifestyle that you are used to in order to have money to spend on setting up your store? Even if you take out a loan to start your store you are still assuming financial risk and you need to make sure that you are prepared financially.

-Can you work on your store for a year or more without seeing any sort of profit? The Small Business Administration estimates that the average small business won’t see a profit until the second or third year in business.

-Will you be able to keep yourself motivated even if you feel as if you aren’t having any success at running your store? You may end up having to work for a long period of time before you see any sort of success and most people would give up before they reached the point where things turned around for them. Are you able to make yourself accomplish the work that needs to be done daily, as well as live your regular life, including working at another job, all with what seems like to reward at any time in the near future.

– Are you prepared to accept potential defeat? You might put in the work, live simply or take out a loan to have money to invest in your business, purchase a great deal of inventory and do countless other things to make your website a success only to realize that it is never going to work the way that you have it currently set up. The competition is fierce and it not only takes skill and perseverance to run a successful e-store, it also takes luck. It is possible that you’ll never be able to get your business off of the ground and you have to be willing to take that risk.

This book is intended to explain everything that you need to know about the Shopify platform, including why to use it, how to use it and what sort of products and services the platform is appropriate for. The main purpose of the book is to take you through the process of deciding whether or not to use the program, then a step-by-step guide to choosing your products and setting up your Shopify store.



No One Can Escape the 4 Laws: The Heavy and Loaded Weapons That Destroy Poverty. Hold Them in your Hands and Squeeze the Trigger. Negotiate or Die.

by Eloy Rodrigo Colombo

You may have wondered why some people manage to climb their way out of poverty into wealth, whereas so many others only know poverty throughout their lives.
How is it possible that entire nations manage to get rich, while others remain destitute?
What do you need to know and do to become rich? Take away the wealth of someone else who has it? But what about that someone: how did he acquire his wealth?
When you look at the S&P 500, what makes it reach a limit, either at its highest or lowest? Would it be possible to manipulate stock prices?
Why doesn’t the government raise everyone’s wages so that all people become rich?
What is the “recipe” for wealth, after all?
To answer this question, you need to know the Laws of Economics discovered by Walras.
I have written this book because I believe that all people should be aware of how the Laws of Economics have the power to guide us toward prosperity by teaching us how to generate maximum wealth.
In this book, I show you that the economy and the financial market have laws, as well as the laws of physics, chemistry, and mathematics. The economy and the financial market, which seem chaotic, speculative, and manipulated, are actually ruled by inescapable laws, such as the law of gravity.
Get this opportunity and look inside the book.
I hope this book brings wealth your way.
Eloy Rodrigo Colombo, 2017



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