Kiki Finance

Top 10 Personal Finance Books for 2023

Get a Financial Life: Personal Finance in Your Twenties and Thirties

– Beth Kobliner

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The book covers everything ranging from investing to retirement to banking to buying a home. It’s perfect for the busy person that doesn’t have much time to read a lengthy book on personal finance. The 10-page first chapter is set up as a cheat sheet and each chapter contains a helpful short summary in a bulleted format.

 Beth Kobliner has been writing, researching and talking about personal finance as an author, commentator or journalist for 30 years. She’s also been a contributor to The New York Times, The Wall Street Journal and a regular columnist for Money and other publications.

The Index Card: Why Personal Finance Doesn’t Have to Be Complicated

– Pollack and Olen

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 Book provides explanation of the index card’s ten principles. The authors’ goals were to help people become more confident, to help them learn simple rules and timeless guidelines and to free them from fear about not knowing what to do.

Rich Dad Poor Dad


                                                                                            –Robert Kiyosaki

Rich Dad Poor Dad

People, from all age groups, can be noticed, happy new affairs between teen couples, hush-hush affairs, extra-marital affairs, old-young, every possible pairing under the sun could be found, kindling their love at the North-end of the Bandra-Worli Ceiling.


Metaverse is as yet in its outset and its offer presently can’t seem to be demonstrated. Any interest in the metaverse ought to be viewed as speculative and profoundly hazardous. The metaverse up to this point is for the most part expectations and dreams, however advocates say it ultimately will be an advanced domain where individuals regularly utilize virtual symbols to work, play, shop and appreciate diversion. Experts figure Apple could expand its environment of equipment, programming and administrations into this new domain.

Metaverse Crypto

Price of 1 Etherium on 26.01.22 is Rs. 1,83,522


price of 1 Bitcoin (BTC)= Rs. 27,46,233

Metaverse Crypto

Facebook Metaverse

With Facebook changing its name to Meta in October 2021, the metaverse turned into the new most loved popular expression. To cook for its rebranding, the web-based media monster emptied assets into another division called Reality Labs to spend something like 10 billion dollars in 2021. The thought is to create metaverse content, programming, just as AR and VR headsets, as CEO Mark Zuckerberg accepts will be pretty much as far reaching as cell phones later on.

The COVID-19 pandemic has additionally sped up the interest in creating metaverses. There is an expanded interest for more intuitive ways of interfacing with others as more individuals have begun working from a distance. Virtual 3D spaces that let colleagues join gatherings, make up for lost time, and work together are on the ascent. The Microsoft Mesh uncovered in November 2021 is a model. It highlights vivid spaces for clients to blend and work together utilizing their symbols, making remote group gatherings seriously captivating and fun.

Crypto Metaverse


Sand box games are yet another Metaverse oriented games. Its season 2 is starting soon.

Sandbox games

Artificial intelligence (AI) has been widely applied in our lives in recent years: business strategy planning, decision making, facial recognition, faster computing, and more. More recently, AI experts have been studying the possibilities of applying AI to the creation of immersive metaverses. 

AI has the potential to process a lot of data at lightning speed. Combined with machine learning techniques, AI algorithms can learn from previous iterations, taking into account historical data to come up with unique outputs and insights. 

Within the metaverse, AI can be applied to the non-player characters (NPCs) in different scenarios. NPCs exist in almost every game; they are a part of the gaming environment designed to react and respond to players’ actions. With AI’s processing abilities, NPCs can be placed across the 3D spaces to facilitate lifelike conversations with users or perform other specific tasks. Unlike a human user, an AI NPC can run on its own and be used by millions of players at the same time. It can also work in several different languages.

Another potential application for AI is in the creation of metaverse avatars. AI engines can be used to analyze 2D images or 3D scans to generate avatars that look more realistic and accurate. To make the process more dynamic, AI can also be used to create different facial expressions, hairstyles, clothes, and features to enhance the digital humans we create.


Metaverse technology provides a decentralized and transparent solution for digital proof of ownership, digital collectibility, transfer of value, governance, accessibility, and interoperability. Cryptocurrencies enable users to transfer value while they work and socialize in the 3D digital world. 

For example, crypto can be used to buy virtual lands in Decentraland Players can purchase 16×16 meter land parcels in the form of Non Fungible Tokens with the game’s cryptocurrency MANA. With the support of blockchain technology, the ownership of these virtual lands can be established and secured.

In the future, crypto can potentially incentivize people to actually work in the metaverse. As more companies take their offices online for remote working, we might see metaverse-related jobs being offered.

Augmented reality (AR) and virtual reality (VR) can give us an immersive and engaging 3D experience. These are our entry points to the virtual world. But what’s the difference between AR and VR?

AR uses digital visual elements and characters to morph the real world. It’s more accessible than VR and can be used on almost any smartphone or digital device with a camera. Through AR applications, users can view their surroundings with interactive digital visuals, similar to what we have in the mobile game Pokémon GO. When players open the camera on their phones, they can see Pokémons in the real-world environment.

VR works differently. Much like the metaverse concept, it produces an entirely computer-generated virtual environment. Users can then explore it using VR headsets, gloves, and sensors.

The way AR and VR work shows an early model of the metaverse. VR is already creating a digital world that incorporates fictional visual content. As its technology becomes more mature, VR can expand the metaverse experience to involve physical simulations with VR equipment. Users will be able to feel, hear and interact with people from other parts of the world. Considering the hype around the metaverse, we can expect more metaverse companies to invest in AR and VR equipment development in the near future.

While this is not new technology, the use of 3D reconstruction has been rising during the pandemic, especially in the real estate industry, as lockdowns prevented potential buyers from visiting properties in person. Therefore, some agencies adopted 3D reconstruction technology to generate virtual property tours. Much like the metaverse we imagined, buyers could look around potential new homes from anywhere and make purchases without even having stepped foot inside.

IoT) was first introduced in 1999. Simply put, IoT is a system that takes everything in our physical world and connects them to the Internet through sensors and devices. After connecting to the Internet, these devices will have a unique identifier and the ability to send or receive information automatically. Today, IoT is connecting thermostats, voice-activated speakers, medical devices, and much more to a wide range of data.

One of the applications of IoT on the metaverse is to collect and provide data from the physical world. This would increase the accuracy of the digital representations. For example, IoT data feeds could change the way certain metaverse objects function based on the current weather or other conditions. 

Implementing IoT can seamlessly connect the 3D world to a large number of real-life devices. This enables the creation of real-time simulations in the metaverse. To further optimize the metaverse environment, IoT could also use AI and machine learning to manage the data it collects.

One of the challenges for the metaverse is to create a digital environment that appears as close to our real world as possible. With the help of 3D reconstruction, it can create realistic and natural-looking spaces. Through special 3D cameras, we can take our world online by rendering accurate 3D photorealistic models of buildings, physical locations, and objects. The 3D spatial data and 4K HD photography are then passed to computers to process and generate a virtual replica in the metaverse for users to experience. These virtual replicas of physical world objects can also be referred to as digital twins.

While the metaverse is still under development, many companies are already exploring its potential. In the crypto space, Decentraland and The Sandbox are notable projects, but big companies like Microsoft, Nvidia, and Facebook are also getting involved. As AR, VR, and AI technologies advance, we will likely see exciting new features in these virtual, borderless worlds.