Best Selling Books by David Bach

INSTANT NEW YORK TIMES, USA TODAY, WALL STREET JOURNAL, AND INTERNATIONAL BESTSELLER Discover #1 New York Times bestselling author David Bach’s three secrets to financial freedom in an engaging story that will show you that you are richer than you think. Drawing on the author’s experiences teaching millions of people around the world to live a rich life, this fast, easy listen reveals how anyone—from millennials to baby boomers—can still make his or her dreams come true. In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a twenty-something woman living and working in New York City. Like many young professionals, Zoey is struggling to make ends meet under a growing burden of credit card and student loan debt, working crazy hours at her dream job but still not earning enough to provide a comfortable financial cushion. At her boss’s suggestion, she makes friends with Henry, the elderly barista at her favorite Brooklyn coffee shop. Henry soon reveals his “Three Secrets to Financial Freedom,” ideas Zoey dismisses at first but whose true power she ultimately comes to appreciate. Over the course of a single week, Zoey discovers that she already earns enough to secure her financial future and realize her truest dreams—all she has to do is make a few easy shifts in her everyday routine. The Latte Factor demystifies the secrets to achieving financial freedom, inspiring you to realize that it’s never too late to reach for your dreams. By following the simple, proven path that Henry shows Zoey, anyone can make small changes today that will have big impact for a lifetime, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times bestselling author of Money: Master the Game).

#1 NEW YORK TIMES, WALL STREET JOURNAL, USA TODAY, AND BUSINESSWEEK BESTSELLER—OVER 2 MILLION COPIES SOLD! David Bach’s no-budget, no-discipline, no-nonsense system to help you finish rich automatically, now expanded and updated Do you want to live rich and retire richer? Rich enough to do what you want when you want to do it? Rich enough to stop worrying about money? Rich enough to make a difference and help others? With The Automatic Millionaire, David Bach presents an easy, realistic system, based on timeless principles, with everything you need to know so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home. All you have to do is follow his one-step program to financial security—the rest is automatic! This edition includes updated information on taxes, investments, technologies, and apps to automate your financial life as well as Bach’s latest systems for making the entire process even easier.

Internationally bestselling financial advisor David Bach’s Automatic Millionaire promotes a revolutionary system for making even the most undisciplined money managers rich. The Automatic Millionaire shows readers how to change their financial practices and even their lives, the simple and automatic way. The book begins with a powerful story about an average Canadian couple — he’s a low-level manager, she’s a beautician — whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at fifty-five with more than $1 million in savings. The incredible message Bach delivers is that the key to getting rich is “automating” the way to wealth by “paying yourself first,” using automatic funded retirement accounts and money market accounts to secure the future and pay for the present. A concise guide that’s a fixture on bestseller lists, The Automatic Millionaire introduces readers to a system that is powerful and simple — an automatically effective, life-changing system that delivers. Do it once, the rest is automatic.

The #1 bestselling author presents his most important book since The Automatic Millionaire and gives Canadians the knowledge, the tools, and the mindset to get out of debt — forever. Whether you are working off student loans or trying to meet the minimum balance on your credit card bill, you are probably worried every time you open your mailbox. With salaries frozen and layoffs looming, how will you ever be able to pay down that debt, let alone retire in peace? Here, David Bach offers a new philosophy made for our times, a paradigm-shifting approach to finance that teaches you how to pay down your debt and adopt a whole new way of living. If you have debt, you can be rich but still not free. When you pay down your debt, you reach Freedom Day, that glorious moment when you need a lot less money just to live. On that day, you are truly free. You can have a smaller nest egg and still retire, perhaps even earlier than you expected. With his trademark motivational energy and take-action step by step advice, Bach helps you revolutionize your finances. In these lean times, it''s still possible to live your financial dreams. Let David Bach show you how.

Let 2010 Set You on the Path to Wealth. Believe it or not, recessions make millionaires! Will you be one? In Start Over, Finish Rich, America''s best-loved financial expert, David Bach, explains that 2010 will be the best opportunity for building wealth we have seen in decades. And, as the economy recovers, you must be set up to recover with it. Bach''s easy, take-action plan will show you how. Start Over, Finish Rich supplies the ten crucial moves you must make in 2010 to get back on track and recapture your dreams of a richer future. Learn how to: * Get out of debt * Fix your credit * Rebuild your 401k plan * Improve your 529 Plan * Take smart risks * Reorganize your financial life for the high tech age * Update your real estate plan * Change your thinking about money * Recommit to wealth As Bach says, "A recession is a terrible thing to waste—so don''t waste this one! Use it instead to get rich." Read Start Over, Finish Rich and let David Bach put you and your family back on the path to financial freedom.

#1 NEW YORK TIMES BESTSELLER • Are you wondering if it is too late for you to be rich? David Bach has a plan to help you live and finish rich—no matter where you start As a number-one bestseller in its hardcover edition, Start Late, Finish Rich has helped hundreds of thousands of people of all ages take control of their financial future. Now you, too, can ramp up the road to financial security with David Bach’s inspiring, proven, and easy-to-follow “catch up” plan, which tailors his “Finish Rich” wisdom to those who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges. In a swift, motivating read, David Bach gives you step-by-step instructions, worksheets, phone numbers, and website addresses—everything you need to put your “Start Late” plan into place right away. You will learn that even if you’re buried in debt, there’s still hope. You can spend less, save more, and make more—and it doesn’t have to hurt. With America’s best-loved money coach at your side, it’s never too late to change your financial destiny.

#1 NEW YORK TIMES, WALL STREET JOURNAL, USA TODAY, AND BUSINESSWEEK BESTSELLER—OVER 2 MILLION COPIES SOLD! Fully updated and revised for today’s world, David Bach’s timeless, no-budget, no-discipline, no-nonsense system to help people finish rich—automatically. When David Bach, the #1 New York Times bestselling author of Smart Women Finish Rich, Smart Couples Finish Rich and ten other bestselling books first shared the secret to getting rich twenty years ago in The Automatic Millionaire, the book helped millions of Americans build wealth. Today, this secret is just as relevant to a new generation of Americans. This secret is a timeless system and tiny changes that produce millionaire results. If you want to be financial free, then your time is now. The #1 New York Times multimillion copy bestseller is back better than ever. The Automatic Millionaire Twentieth Anniversary Edition includes the latest tax changes, investment companies, technologies, websites and resources and bonus chapters so you can put in place quickly and easily the system to becoming an Automatic Millionaire. What Makes The Automatic Millionaire Unique & Timeless: YOU DON’T NEED TO MAKE A LOT OF MONEY YOU DON’T NEED A BUDGET YOU DON’T NEED WILLPOWER YOU DON’T NEED TO BE THAT INTERESTED IN MONEY YOU CAN SET THE PLAN UP IN LESS THAN AN HOUR THE PLAN WILL WORK AUTOMATICALLY – WHILE YOU SLEEP Completely revised, expanded, and updated for today’s times with bonus chapters, The Automatic Millionaire gives you a totally simple, easy realistic system based on timeless principals that have proven to work now for decades.

David Bach’s Simple System for Building Wealth Through Homeownership Will Help You Finish Rich in Any Market—Automatically Updated with a new chapter of success stories Owning a home has always been the American Dream, and in The Automatic Millionaire Homeowner, David Bach shows that buying a home and investment properties is not only possible, it is still the surest way to reach your seven-figure dreams on an ordinary income. Whether you are a renter or already own a home, Bach’s book offers a lifelong strategy for real estate based on timeless wisdom that is tried and true—in any market. He includes everything you need to know, with step-by-step instructions, including phone numbers and web sites, so you can get started right away. As long as you’re alive, you have to live somewhere. Why not let where you live make you financially secure and ultimately rich? David Bach will show you how.

Many women, whether they''ve managed million-dollar budgets at work or managed kids, bills, and car payments at home, feel at a loss when it comes to figuring out their finances. Now, in Smart Women Finish Rich, renowned financial adviser David Bach gives women the tools and the program they need to create a rich future. Whether you''re working with a few dollars a week or a significant inheritance, Bach''s seven-step program can provide a huge payoff. Smart Women Finish Rich will put you in control of your finances and your future. "David Bach is a financial genius with a passion for helping women get rich. Read this book--and prosper!" --Laurie Beth Jones, bestselling author of Jesus CEO "Finally, a book for women that talks about money in a way that makes sense. David Bach is not just an expert in managing money--he''s the ultimate motivational coach for women. I can''t recommend this book enough. It''s a must-read!" --Barbara DeAngelis, Ph.D., bestselling author of Real Moments "Finally, a financial planning guide that addresses the unique issues that women face today. But what I like the most is that David starts with the most important principle: aligning your money with your values." --Harry S. Dent, Jr., bestselling author of The Roaring 2000s From the Trade Paperback edition.

A war for your money is raging and it is time to fight back! In a book that will forever change how you spend your hard earned money, America’s favorite financial coach, David Bach, shows you how to save thousands of dollars every year by taking on the “corporate machines.” In these times when every dollar counts, big businesses are using dishonest tricks to rip you off, making themselves billions while they keep you living paycheck to paycheck. David Bach knows that until you learn to fight for your money, you will overpay for almost everything you buy. In Fight for Your Money, he gives you the tools to FIGHT BACK and WIN. Bach shows you how every dollar you spend is really a battle between you and the businesses—and the government—who want to take it as profit. When you know how the system is rigged –the extra points, the hidden fees, the late charges, the unused tax breaks, the escalating rates—you can fight back against the pickpockets and save literally thousands every year—money in your pocket that can help you live your dreams. Fight for Your Money shows how you are being taken on your cell phone contract, cable bill, car purchase, credit card, life insurance, healthcare, 401(k) plan, airfare, hotel bills, and much more. Bach gives you all the tools you need to fight back, with websites, phone numbers, sample letters and real-life stories of ordinary people who have fought for their money and won. You’ll learn how to: Beat the credit card companies at the games they play that cost you thousands annually in interest and fees Make your bank accounts work for you with higher yields and lower fees Save thousands by pre-paying college tuition at TODAY’s prices Raise your credit score and pay thousands less in mortgage interest Cut your life insurance premiums in half by making one call Save hundreds on air travel, hotels, and car rentals—just by being an informed consumer Avoid huge rip-offs like bank-issued gift cards, medical credit cards, 401(k) debit cards, and sneaky renewals of your cell-phone plan. David Bach knows that when you are being taken financially, you work harder than you have to, for longer than you need to. This book helps you fight for your money, so you can live your life doing what you really want to do.

“[David Bach’s] advice is heartfelt and worthy. For most couples struggling to make their financial lives smoother, this is a good place to get the dialogue rolling.” –USA Today #1 New York Times bestselling author David Bach has helped millions of couples plan for a future they love with more than 7 million of his books in print. And now, completely updated and revised, Smart Couples Finish Rich, America’s favorite money book, is back. You’ll discover the latest techniques to live a life as a couple, where your values align and your money decisions become easier. Whether newlyweds, a couple planning for retirement or already retired, this timeless classic provides couples with easy-to-use tools that cover everything from credit card management to detailed investment advice to long term care. Together you’ll learn why couples who plan their finances together, stay together!

How does an ordinary person with an ordinary income reach their seven-figure dreams? First they must own their own home – and do it David Bach’s way. The financial coach who has helped millions to finish rich is back with a simple, powerful solution to get rich in real estate. As David says, “Renters stay poor, homeowners get rich, and smart landlords laugh all the way to the bank!” In his breakout 2004 bestseller, The Automatic Millionaire, David Bach showed why owning your own home is not only smart, it’s the core secret to becoming a millionaire. In his new book, tailored for a Canadian readership, he shows exactly how to make that happen with a simple, automatic plan you can read in an hour and put into place today. Renters will learn how to buy a first home, even with lousy credit and tiny savings. And existing homeowners will find out how to turn the roof over their heads into a powerful investment that doubles, triples, and quadruples in price while you simply enjoy living in it. And while you don’t have to be a landlord to finish rich, if you’re willing to be, David teaches you how simple it really is to buy a rental property even while you’re paying the mortgage on your home. The Automatic Millionaire Homeowner is brilliantly simple, easy to read, highly motivational with a realistic, take-action method for achieving financial prosperity in real estate, starting now. Bach offers time-tested tactics on all the essentials, including: • Why you shouldn’t wait: busting the myths of renting • Finding a down payment right now using the Automatic Down Payment Solution™ • Choosing the mortgage that is right for you – even with debt, even with imperfect credit • The secret system for debt-free homeownership: why you must Make It Automatic! • The Automatic Millionaire Right Place, Right Time, Right Price, Right Program™ for buying and selling • Learn the Automatic Millionaire Mindset™ and collect “automatic cheques” while you sleep

No Matter Where You Start, David Bach Can Help You Live and Finish Rich With his national bestsellers Smart Women Finish Rich and Smart Couples Finish Rich, renowned financial advisor and educator David Bach has taught millions of people of all ages and incomes how to take control of their financial future. His message, that the key to building wealth is “values first, stuff second,” has inspired people all over the world. Now, The Finish Rich Workbook gives couples and singles alike a new opportunity to tailor his advice for their individual circumstances. Combining the down-to-earth, jargon-free approach that has made him so popular with the hands-on practicality of a workbook, this new addition to the Finish Rich series is like having a one-on-one session with David Bach. You will learn how to: • Use the power of the Latte Factor™, David Bach’s international recognized approach to building wealth on a few dollars a day. • Apply the Debt Free SolutionTM, a powerful way to reduce debt quickly and repair your credit in the process. • Organize your financial life in minutes with the FinishRich Inventory Planner™ and File Folder system, including a pull-out summary of where you stand financially. • Craft a personalized FinishRich QuickStart™ plan–a to-do list for today, this month, and this year, so you can get started right away. • Find the perfect financial advisor by using the FinishRich Advisor Questionaire™ to find, interview, screen, and score an advisor before you hire them. Whether you’re working with a few dollars a week or quite a bit more, Bach’s nine-step program will help you put the Finish Rich wisdom right to work for you.

With this essential companion to the automatic #1 national bestseller, you can put pencil to paper and make your seven-figure dreams come true! The Automatic Millionaire rocketed to instant bestseller status because in its pages America’s best-loved money coach, David Bach, delivered a uniquely foolproof, hassle-free plan for achieving financial security even if you have zero willpower. Now The Automatic Millionaire Workbook lets you tailor that strategy to your own financial life in a line-by-line personal plan. The workbook features: The five questions that determine with 90 percent certainty if you will be an Automatic Millionaire Charts and checklists for paying down debt while you save A clear path for any renter to become a home owner Worksheets to set savings goals and meet them, no matter how much you make A game plan for paying off mortgages early The one crucial step that guarantees your financial plan will succeed Details on where to invest, what phone calls to make, and exactly what to say when automating your financial future Along the way, you will be inspired by stories of ordinary Americans from all walks of life who are becaming Automatic Millionaires. The Automatic Millionaire Workbook makes it easier than ever for you to put your financial life on autopilot and finish rich –-without a budget. You’ve dreamed it, now write it and do it. The rest is automatic!

THE MILLION-COPY NEW YORK TIMES, BUSINESS WEEK, WALL STREET JOURNAL AND USA TODAY BESTSELLER IS BACK - COMPLETELY UPDATED! With over ONE MILLION copies sold - Smart Women Finish Rich is one of the most popular financial books for women ever written. A perennial bestseller for over two decades, now Bach returns with a completely updated, expanded and revised edition, Smart Women Finish Rich, to address the new financial concerns and opportunities for today''s women. Whether you are just getting started in your investment life, looking to manage your money yourself, or work closely with a financial advisor, this book is your proven roadmap to the life you want and deserve. With Smart Women Finish Rich, you will feel like you are being coached personally by one of America''s favorite and most trusted financial experts. The Smart Women Finish Rich program has helped millions of women for over twenty years gain confidence, clarity and control over their financial well-being--it has been passed from generations to generation -- and it now can help you.

Let David Bach show you a whole new way to prosper—by going green Internationally renowned financial expert and bestselling author David Bach has always urged readers to put their financial lives in line with their values. But what if your values are a cleaner and greener earth? Most people think that “going green” is an expensive choice they can’t afford. Bach is here to say that you can have both: a life in line with your green values and a million dollars in the bank. Go Green, Live Rich outlines fifty ways to make your life, your home, your shopping, and your finances greener—and get rich trying. From driving the right car to making your home energy smart, Bach offers ways to improve the environment while you spend less, save more, earn more, and pay fewer taxes. Best of all, he shows you exactly how to take advantage of the "green wave" in personal finance without the difficult work of evaluating individual stocks. What''s more, he will get you thinking about a green business of your own so you can help the world along as it is changing for the better. David Bach is on a mission to teach the world that you can live a great life by living a green life. With Go Green, Live Rich, you can live in line with your eco-values on the road to financial freedom.

Readers can gain a lot of interest without mortgaging their time with this book of words that are really worth the money.

¿Y SI HUBIERA UNA MANERA DE LOGRAR LA LIBERTAD FINANCIERA Y VIVIR TUS SUEÑOS, SIN CORRER GRANDES RIESGOS O HACER CAMBIOS DRÁSTICOS? BIENVENIDO A EL FACTOR LATTE . ERES MÁS RICO DE LO QUE CREES. El legendario experto en finanzas personales David Bach (autor de El millonario automático) y el increíble narrador John David Mann (Dar para recibir) ponen en tus manos El factor latte. Este libro cuenta la historia de Zoey Daniels, una profesionista de veintitantos que vive y trabaja en la ciudad de Nueva York. Zoey ama su trabajo y es buena en él, pero sin importar cuánto se esfuerce tiene dificultades para llegar a fin de mes por las deudas de la tarjeta de crédito y los préstamos estudiantiles. Y no puede dejar de preguntarse: “¿Esto es todo lo que hay en la vida?”. Zoey no encuentra una salida a su situación hasta que una mañana conversa con Henry, el barista de su cafetería favorita en Brooklyn, quien durante los siguientes días le revela los tres secretos de la libertad financiera. Zoey descubre que hay más de lo que aparenta en su historia y que si sigue el camino simple y comprobado que él describe podrá tener la vida que siempre quiso. Desde los baby boomers que se preocupan por si ahorraron lo suficiente para la jubilación hasta los millennials ahogados en deudas, pasando por la generación Z que quiere tomar decisiones más inteligentes que las generaciones anteriores, El factor latte es un libro que ayudará a todos a lograr la independencia financiera. Apasionante y conmovedor, El factor latte es una historia inspiradora que puedes leer en menos de una hora, pero cuyo impacto durará toda la vida. ENGLISH DESCRIPTION Discover #1 New York Times bestselling author David Bach’s three secrets to financial freedom in an engaging story that will show you that you are richer than you think. Drawing on the author’s experiences teaching millions of people around the world to live a rich life, this fast, easy read reveals how anyone—from millennials to baby boomers—can still make their dreams come true. In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a twenty-something woman living and working in New York City. Like many young professionals, Zoey is struggling to make ends meet under a growing burden of credit card and student loan debt, working crazy hours at her dream job but still not earning enough to provide a comfortable financial cushion. At her boss’s suggestion, she makes friends with Henry, the elderly barista at her favorite Brooklyn coffee shop. Henry soon reveals his “Three Secrets to Financial Freedom,” ideas Zoey dismisses at first but whose true power she ultimately comes to appreciate. Over the course of a single week, Zoey discovers that she already earns enough to secure her financial future and realize her truest dreams—all she has to do is make a few easy shifts in her everyday routine. The Latte Factor demystifies the secrets to achieving financial freedom, inspiring readers to realize that it’s never too late to reach for your dreams. By following the simple, proven path that Henry shows Zoey, anyone can make small changes today that will have big impact for a lifetime, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times bestselling author of Money: Master the Game).

While they’re busy chasing down the mad scientist who’s kidnapping amnesiacs to mess with their minds and trying to avoid being the next victims in a plot that could devastate Major League Baseball and kill them in the process, newly-wed private investigators Raam Commoner and Kayman Karl just don’t have a lot of time for foreplay. But somehow they manage to take some detours through the bedroom on route from a farmhouse in Montana to a major league baseball stadium to a Las Vegas brothel in a near fatal race to wring some common sense out of a lying client and a well-funded conspiracy.

Former lawyer and novice private investigator Raam Commoner is caught by surprise when new wife Kayman Karl announces her intention to sell the prestigious white-collar private detective firm founded by her late father to a competitor who specializes in infidelity investigations, unaware that he’ll be even more surprised when an old flame shows up asking him to find an elusive manuscript that could expose an underworld employment agency for assassins–a hiring hall for hitmen. More surprises are in store for Raam and Kayman when it appears that someone else is looking for the manuscript, a homicidal psychopath is murdering people who annoy Kayman, and a secretive government agent is muddying the waters with a matter of national security. Raam and Kayman are newlyweds, learning where the buttons are and hoping for the honeymoon that keeps getting put off while they follow leads that take them from a conjugal bed in their Beverly Hills condo to a jail cell in historic San Miguel de Allende to a killer’s compound in Los Angeles, in search of the common ground from which to defend a family treasure and avenge a family wrong.

When attractive young women start disappearing from the luxury cruise ships of Camelot Cruise Line at an alarming rate, company lawyer Raam Commoner and private investigator Kayman Karl are forced to team up in a desperate search for a twisted serial killer… never expecting that their deadliest threat will come from a common enemy.

EL PLAN DE BATALLA DE DAVID BACH TE AYUDARÁ A LUCHAR POR TU DINERO AHORA, CUANDO MÁS LO NECESITAS Ahora mismo, lo sepas o no, estamos en medio de una batalla contra las grandes corporaciones e instituciones económicas cuyo único fin es quitarnos el dinero que hemos ganado con tanto esfuerzo. Sus reclamos engañosos, información retenida, cargos ocultos, puntos extra, multas por retraso y tarifas incrementales te están costando miles de dólares. Nosotros, los consumidores, hemos estado perdiendo la batalla porque ELLOS están mejor equipados para llevarse nuestro dinero que NOSOTROS para guardarlo. Hasta ahora. Si te enfurece que te estafen –y debería– te invito a que te unas a un movimiento de consumidores inteligentes y capacitados que están usando las herramientas y estrategias que este libro ofrece para luchar por su dinero. LUCHA POR TU DINERO te dará los conocimientos necesarios para AHORRAR miles de dólares donde más lo necesitas: •Bancos y tarjetas de crédito •Aerolíneas •Aseguradoras •Hospitales •Inmobiliarias •Televisión por cable o satélite •Telefonía, celulares e Internet •Impuestos Pasa unas horas conmigo y juntos podremos LUCHAR por tu dinero y GANAR.

Many women, whether they''ve managed million-dollar budgets at work or managed kids, bills, and car payments at home, feel at a loss when it comes to figuring out their financial futures. Often, they leave the "big" money matters to the men in their lives, or they put off making important financial decisions that could affect their lifestyles down the road. Now David Bach finally gives women the tools and the program they need to create rich futures. A renowned financial advisor who has coached thousands of people looking for financial security, Bach has developed a proven system for women that can make them better financial planners than men. Bach has found that women tend to be naturally great investors when they learn to tap into their values. He has discovered that while men tend to focus on earning money for "things"--cars, boats, golf gear, etc.--and frequently switch stocks in their portfolios, women who prioritize their "values"--security, freedom, and education--are able to commit easily to a long-term savings and investment plan to build futures they really want. Whether you''re working with a few dollars a week, a significant inheritance, or a savings account that''s been earning just 3 percent, the Smart Women Finish Rich approach toward saving and investing can provide a huge payoff. These seven easy steps will transform your relationship with money, and Smart Women Finish Rich will put you in control of your finances and your future. Secure your financial future and achieve your dreams by following these seven steps: 1. Learn the facts and myths about your money. 2. Put your money where your values are. 3. Figure out where you stand financially... and where you want to go. 4. Use the power of the latt ̌factor to create massive wealth on just a few dollars a week. 5. Practice Grandma''s three-basket approach to financial security. 6. Learn the nine biggest mistakes investors make and how to avoid them. 7. Follow the twelve commandments of attracting greater wealth.

Totalmente revisado e atualizado com Novo Capítulo Bônus O sistema de David Bach sem orçamentos, sem disciplina e prático o ajudará a ficar rico AUTOMATICAMENTE. Você quer viver rico e se aposentar ainda mais rico? Rico o bastante para fazer o que quiser quando quiser? Para não se preocupar com dinheiro, fazer a diferença e ajudar aos outros? Se sua resposta for sim, então pare o que está fazendo, abra este livro e leia algumas páginas. A abordagem simples de Bach para automatizar sua via financeira funciona enquanto você dorme. Você só precisa seguir seu programa para a segurança financeira — o resto é automático! David Bach é autor de 11 best-sellers nacionais consecutivos, incluindo Fique Rico Mesmo Começando Tarde; Casais Inteligentes Ficam Ricos; Fight for Your Money; The Latte Factor e Debt Free for Life. Automaticamente Milionário foi um sucesso quando publicado pela primeira vez em 2004, ficando 31 semanas na lista de best-sellers do New York Times, e aparecendo como número 1 ao mesmo tempo nas listas de best-sellers no New York Times, USA Today, Business Week e Wall Street Journal. Bach apareceu mais que 100 vezes no programa Today, da NBC.

Neste livro, David Bach lhe oferece instruções passo a passo sobre tudo o que você precisa para pôr em ação o plano Fique Rico, Mesmo Começando Tarde. Ele é inspirador, fácil de seguir e baseado em princípios financeiros comprovados. Construir um futuro financeiro seguro não é algo que se faz da noite para o dia. Exige tempo e esforço. Mas você pode conseguí-lo. Não é porque começou tarde que você está fadado a um futuro incerto. Mesmo que esteja nos seus trinta, quarenta, cinqüenta anos - ou mais - ainda é tempo de dar uma virada. Nunca é tarde demais para viver bem e ficar rico. Basta a decisão de começar.

EL MÉTODO SENCILLO DE DAVID BACH PERMITIRÁ QUE TU PROPIA CASA TE HAGA RICO AUTOMÁTICAMENTE.Por qué El Millonario Automático Dueño de Casa te es indispensable:No necesitas un pago inicial exorbitante para comprar una casa o un apartamento.No es necesario que tu crédito sea excelente.Debes comprar incluso si tienes deudas en tus tarjetas de crédito.Puedes adquirir una segunda propiedad incluso si todavía estás pagando la primera.Puedes hacer tu primera compra de bienes ra ces cualquiera que sea la situación del mercado en alza o en baja.Alquilarle tu propia casa a otra persona es más fácil de lo que piensas.

Las discusiones sobre el dinero son el primer motivo de divorcio. David Bach, asesor financiero de gran prestigio, sabe que no hay que seguir este camino. Ha asesorado a millones de personas sobre sus finanzas a través de seminarios, libros, programas de televisión, y ha ayudado a miles de parejas a superar sus problemas económicos. Con este libro quiere acercar sus consejos a todas las personas que quieran navegar por las aguas complicadas de las finanzas familiares. Para ello, ayuda a las parejas a trabajar conjuntamente en sus finanzas como un equipo. Sus herramientas y consejos fáciles de aplicar incluyen: Acabar con los mitos sobre las parejas y el dinero Cómo conseguir lo mejor de los bancos y las compañías de seguros Hacer realidad los objetivos y los sueños de las familias Cómo evitar las discusiones sobre temas económicos Cómo ahorrar e invertir adecuadamente Este libro, es un salvavidas financiero que ayudará a las parejas de cualquier edad y en cualquier situación económica a comunicarse sobre el dinero con comodidad y a empezar a crearse un futuro financiero estable conjuntamente.

Fedezzük fel David Bach, a New York Times sikerlistás szerzőjének anyagi szabadsághoz vezető három titkát ezzel a lebilincselő történettel, ami beláttatja majd velünk, hogy gazdagabbak vagyunk, mint gondoljuk. A szerző tapasztalatain okulva, aki világszerte emberek millióit tanította meg arra, hogyan éljenek gazdag életet, ez a sodró lendületű, könnyen olvasható könyv megtanít minket arra, hogy legyünk akár fiatalok, akár idősebbek, még mindig megvalósíthatjuk az álmainkat. Ebben a lenyűgöző, szívet melengető tanmesében Bach és a szerzőtársa egy New York-ban élő és dolgozó huszonéves lány történetét beszélik el. Sok fiatal diplomáshoz hasonlóan Zoey is a hitelkártya és a diákhitel egyre növekvő terhe mellett próbál kijönni a fizetéséből. Éjjel-nappal dolgozik az álomállásában, mégsem keres annyit, hogy előteremtse a nyugodt élethez szükséges biztos anyagi minimumot. A főnöke javaslatára ismerkedik meg Henryvel, a kedvenc brooklyni kávézója baristájával. Henry hamarosan megismerteti Zoey-t "Az Anyagi Szabadság Három Titkával". Zoey elsőre elveti őket, de végül belátja valódi erejüket. Zoey egyetlen hét leforgása alatt felfedezi, hogy máris annyit keres, amivel biztosítani tudja az anyagi jövőjét, és megvalósíthatja a legigazabb álmát, és ehhez elég csak pár könnyen végrehajtható igazítást eszközölnie a hétköznapi teendőiben. A Latte faktor lerántja a leplet az anyagi szabadság elérésének titkairól, arra ösztönzi az olvasókat, hogy belássák: sosem késő megvalósítani az álmainkat. Egy egyszerű, bizonyítottan bevált módszert követve, amivel Henry ismerteti meg Zoey-t. Már ma bárki végrehajthat olyan apró változtatásokat, amik egy életen át nagy hatással vannak a mindennapjaira. "David Bach az a pénzügyi varázsló, akire érdemes odafigyelnünk, amikor az anyagi helyzetünk szorításában vergődünk" Tony Robbins

While the use of palm oil has been documented since ancient times, it is only in the past few decades that this tropical product has taken off in the international market. An invisible component of many products, palm oil can be found in cookies, in chocolates, in soaps, in shampoos, and even in biofuel. This wide range of uses has stimulated cultivation and oil extraction; annual global production has increased more than nine-fold since 1980. By the 2000s, palm oil had become the most heavily traded edible oil in the world.