کتاب ثروتمندترین مرد بابل

اثر جورج سموئل کلاسون از انتشارات هورمزد - مترجم: ژیلا ناظریان-دهه 1920

Countless readers have been helped by the famous “Babylonian parables,” hailed as the greatest of all inspirational works on the subject of thrift, financial planning, and personal wealth. In language as simple as that found in the Bible, these fascinating and informative stories set you on a sure path to prosperity and its accompanying joys. Acclaimed as a modern-day classic, this celebrated bestseller offers an understanding of—and a solution to—your personal financial problems that will guide you through a lifetime. This is the book that holds the secrets to keeping your money—and making more. May they prove for you, as they have proven for millions of others, a sure key to gratifying financial progress.

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Written in 1926 yet still very relevant today. Provides good life lesson .

مشاهده لینک اصلی
This is a short one, but it offers familiar yet indispensable tips on money management. Told in the clunky language of fables, Clason tells 10 tales of men in ancient Babylon and the secrets they (and the city itself) used to acquire great wealth in the ancient world. Some tales and tips are redundant (which also serves to show how little mankind changes over the millenia), so the following are highlights:

@Seven Cures for a Lean Purse,@ my favorite tale, told by Arkad, the Richest Man in Babylon:

1. Start thy purse to fattening: In this and other tales, this first tip, saving, takes a prominent place. @For every ten coins thou placest within thy purse take out for use but nine. Thy purse will start to fatten at once and its increasing weight will feel good in thy hand and bring satisfaction to thy soul@(27). Arkad says the same thing in other tales, as do other speakers in the book. A variation: @A part of all you earn is yours to keep@(21). I especially like that Clason, through Arkad, points out that paying oneself first (as Ive heard modern financial writes put it) brings @satisfaction to thy soul.@ Saving, like giving, is more character-building than it is financial. The sense of looking after oneself and ones family, if applicable, gives a person the strength to keep pushing to pay off debt, increase financial security, and work hard to accomplish both.
2. Control thy expenditures: @That what each of us calls our necessary expenses will always grow to equal our incomes unless we protest to the contrary@(29). Its good to know that the truism @Ill never make enough money@ was likely as true in ancient Babylon as it is today. The trick is not to develop an attitude of entitlement over the things one cannot afford--and then spend money one does not have. @Budget then thy necessary expenses. Touch not the one-tenth that is fattening thy purse. Let this be thy great desire that is being fulfilled. Keep working with thy budget, keep adjusting it to help thee. Make it thy first assistant in defending thy fattening purse@(30). I LIKE that perspective on a budget, as an ASSISTANT to achieving great wealth.
3. Make thy gold multiply: Put ones money to work through investments. Think of the old cliche @when youre poor, you work for your money; when youre rich, your money works for you.@
4. Guard thy treasures from loss: When investing, make sure to guard the principal and collect a fair return on investment. Consult with those knowledgeable in investing to find such investments.
5. Make of thy dwelling a profitable investment. In other words, own ones own home. Not only do properties usually increase in value, this cure, too, offers more psychological benefit than financial--owning ones own home allows one to have a stable place to rear a family and a peaceful place to take respite before continuing ones work of building wealth.
6. Insure a future income: @Therefore do I say that it behooves a man to make preparation for a suitable income in the days to come, when he is no longer young, and to make preparations for his family should he be no longer with them to comfort and support them@(37). Save for retirement. Buy life insurance if one has dependents.
7. Increase thy ability to earn: @Cultivate thy own powers, to study and become wiser, to become more skillful, to so act as to respect thyself. Thereby shalt thou acquire confidence in thyself to achieve thy carefully considered desires@(42). Another healthy way to look at making money. Increasing ones earning potential by KNOWING MORE of ones craft not only increases earning potential, it increases self-respect.
Other tales that jumped out at me:
In @Meet the Goddess of Good Luck@ (43-58), procrastination comes under attack. Procrastination is as much of an enemy in ones finances as it is in all other areas of life. @The spirit of procrastination is within all men. We desire riches; yet, how often when opportunity doth appear before us, that spirit of procrastination from within doth urge various delays in our acceptance. In listening to it we do become our own worst enemies@(55). Thats a good phrase to remember: Procrastination makes us our own worst enemies!!! The other side of the coin is that those who take action (the non-procrastinators) curry the favor of the goddess of good luck.
In @The Gold Lender of Babylon@ (74-88), a spearmaker who has just received a large sum of money for his work for the king goes to a prominent money lender to ask his advice as to whether or not the spearmaker should lend this sum to his brother-in-law. The money lender helps the spearmaker determine what sorts of investments are sound and which are unwise. The financial need of a friend or family member may cause one to feel pity for that person, but that does not mean a loan or an investment is a wise choice to help that person out. @If you desire to help thy friend, do so in a way that will not bring thy friends burden upon thyself@(78). Id est, dont co-sign on a loan. As if that didnt hit close enough to home, add to that the statement, @Humans in the throes of great emotions are not safe risks for the gold lender@(80). Lending to those in desperate straits is rarely a good idea, as one must consider the behavior that got them there and/or could keep them there. Seeking advice on sound investments and putting ones money only in those investments guards against loss of wealth and regret.
@The Luckiest Man in Babylon@ (118-137) lauds the virtues of work. @Some men hate [work]. They make it their enemy. Better to treat it like a friend, make thyself like it. Dont mind because it is hard. If thou thinkest about what a good house thou build, then who cares if the beams are heavy and it is far from the well to carry the water for the plaster.... Remember, work, well-done, does good to the man who does it. It makes him a better man@(125-126). Again, finances cannot be divorced from character and well-being. Working, saving, making wise investments, controlling spending, and not procrastinating build wealth, and more importantly, each one also builds character.
I would have liked to see the book also address charitable giving. That, too, is an important financial and character-building step.
Overall, a good read.

مشاهده لینک اصلی
An older friend recommended this book to me in 2004. I finally got around to reading it. Im glad I did. Its a quick, although sometimes quirky, read.

It helps to realize that the book was really a collection of pamphlets distributed in the 1920s by banks and insurance companies. This explains a little bit of its bias, but I think the advice is still sound.

The book is set in ancient Babylon that begins with Bansir, a chariot maker, commiserating with his broke friend (a lyre player). They cant figure out how to get out of their living essentially paycheck to paycheck. The story follows him as he finds a wealthy person who shares his secrets with the him and the rest of the city.

The book has some timeless advice: always save at least 10% of your paycheck, have your savings earn good interest, pay your debts, etc.

Wikipedia has a fantastic overview of the book (including the Seven Cures for a Lean Purse and the Five Laws of Gold): http://en.wikipedia.org/wiki/The_Rich...

Here are some of the other things that I highlighted in addition to what Wikipedia mentioned:

* @Thou makest me to realize the reason why we have never found any measure of wealth. We never sought it.@* @A PART OF ALL YOU EARN IS YOURS TO KEEP. It should not be less than a tenth no matter how little you earn. It can be as much more as you can afford. Pay yourself first.@
* @Advice is one thing that is freely given away, but watch that you take only what is worth having. He who takes advice about his savings from one who is inexperienced in such matters, shall pay with his savings for proving the falsity of their opinions.@
* @When I set a task for myself, I complete it. Therefore, I am careful not to start difficult and impractical tasks, because I love leisure.@
* @If a rich man builds him a new palace, is the gold he pays out gone? No, the brick maker has part of it and the laborer has part of it, and the artist has part of it. And everyone who labors upon the house has part of it. Yet when the palace is completed, is it not worth all it cost? And is the ground upon which it stands not worth more because it is there? And is the ground that adjoins it not worth more because it is there? Wealth grows in magic ways. No man can prophesy the limit of it.@
* @Then learn to make your treasure work for you. Make it your slave. Make its children and its childrens children work for you.@
* @Seek the advice of men whose daily work is handling money.@
* @A small return and a safe one is far more desirable than risk.@
* @Enjoy life while you are here. Do not overstrain or try to save too much. If one tenth of all you earn is as much as you can comfortably keep, be content to keep this portion.@

* @He must pay his debts with all promptness within his power, not purchasing that for which he is unable to pay.@
* @He must make a will of record that in case God calls him, proper and honorable division of his property be accomplished.@
* @He must have compassion upon those who are injured or smitten by misfortune and aid them within reasonable limits. He must do deeds of thoughtfulness to those dear to him.@

* @In this tale we see how good luck waits to come to that man who accepts opportunity.@ (dont be Procrastinator)... @wisdom of making a payment immediately when we are convinced our bargain is wise.@ @Good luck can be enticed by accepting opportunity. @ACTION will lead thee forward to the successes thou dost desire. @Men of Action are favored by Good Luck.@
* @To take his first start to building an estate is as good luck as can come to any man. With all men, that first step, which changes them from men who earn from their own labor to men who draw dividends from the earnings of their gold, is important.@
* @Wealth that comes quickly goeth the same way.@
* @If thou desire to help thy friend, do so in a way that will not bring thy friends burdens upon thyself.@
* @humans in the throws of great emotions are not safe risks for the gold lender.@
* @Many other merchants of Babylon have my confidence because of their honorable behavior. Their tokens come and go frequently in my token box. Good merchants are an asset to our city and it profits me to aid them to keep trade moving that Babylon be prosperous.@
* @I will no longer lend any of it where I am not confident that it is safe and will be returned to me. Neither will I lend it where I am not convinced that its earnings will be promptly paid to me.@
* @Be conservative in what thou expect it to earn that thou mayest keep and enjoy thy treasure. To hire it out with a promise of usurious returns is to invite loss.@
* @Better a Little Caution than a Great Regret@
* @We cannot afford to be without adequate protection.@
* @Ill fortune! Wouldst blame God for thine own weakness. Ill fortune pursues every man who thinks more of borrowing than of repaying.@
* @no man can respect himself who does not repay honest debts.@
* @Where the Determination is, the Way Can Be Found@
* @Therefore am I more determined than ever to carry through, being convinced that it is easier to pay ones just debts than to avoid them.@
* @Great is the PLAN for it leadeth us out of debt and giveth us wealth which is ours to keep.@
* @Babylon is an outstanding example of mans ability to achieve great objectives, using whatever means are at his disposal. All of the resources supporting this large city were man developed. All of its riches were man made.@

All told, a nice book that reminds us of timeless truths.

مشاهده لینک اصلی
** spoiler alert ** Light book and good advices for someone straggling with bills .

مشاهده لینک اصلی
When people want to learn how to make money, they read huge finance books, watch MSNBC, buy in to phony get-rich-quick schemes, or get business degrees. But the average person need not look further than this simple book.

My father lent me his copy, probably to ensure that I would continue my post-college streak of never asking him for money (or big-ticket items, which is the same as asking for money) EVAR. Lucky for both of us, the principles laid out in this book are common sense to me. I dont mean to sound all high and mighty, but living in a country thats up to its ears in debt, it looks like more than a few people could stand to read this.

Although its hard to get on board with the dowdy language (it was written in the 30s), the anecdotes throughout the book prove to be interesting, useful, and even though they describe life in ancient Babylon, quite relatable. Even if youve never found yourself in one of the books situations, it can still serve as a good reminder to save for a rainy day, honor your debts, and consider your purchases carefully.

The book is less than 150 pages--you could read it in an evening. I recommend it!

مشاهده لینک اصلی
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