Each recipe has been tested and perfected by a true practitioner of hoodoo. From finding love to banishing a spirit, you can find it all in this book!

    This handy spellbook gives you practical directions for carrying out numerous easy-to-follow spells covering Love, Money, Protection and Spell Removals.Regardless of your skill level, The Modern Day Spellbook will help you to enhance your spell casting repertoire. The Modern Day Spellbook: A Collection of Spells for the Modern Day Witch would make an excellent addition to your current spellbook collection.

    This book explains how 10 of the worlds richest people made their fortune, it also contains tips and secrets on how to become a self-made millonaire.

    

    This is one of the most power-packed prosperity books around. Anyone can attract more money using simple metaphysical and mind power techniques, but advanced money attractors have a deeper grasp of the subtler spiritual truths underlying the money-manifesting process. You can attract a lot more money than you ever have before, and this book will give you the knowledge you need to be able to do it just as naturally as you now breathe.In fact, this life-changing little book will teach you that the money you want is actually here now, that it is a part of you, and that you already have it. Within these covers resides an astounding power, which will become increasingly apparent to you over time and with subsequent readings, and spurred on by this power, you can begin to turn your financial dreams into reality. Table of Contents: Secret One......: You Already Have ItSecret Two......: It Is Not Separate from YouSecret Three...: It Is Not in Your FutureSecret Four.....: It Is Right for You to Have ItSecret Five......: You Are Worthy of Having ItSecret Six........: A Higher You Wants ItSecret Seven...: Inspiration Beats PlanningSecret Eight.....: Be a Person Who Has ItSecret Nine......: Cooperate with the UniverseSecret Ten.......: Spread the Good AroundAttracting more money, manifesting wealth, creating a life of prosperity, abundance, and affluence—these are things anyone can accomplish, but relatively few do. The difference between the haves and the have nots? It’s a mental difference. It all starts in the mind, with the power of thought. This book will teach you how to think in a way that will raise you to glorious new heights of success, achievement, and financial freedom.

    Over the years, Dani has become one of the most sought after success coaches in the world. Her easy to follow, proven success strategies have propelled thousands from all walks of life to achieve extraordinary results in their business and personal lives. In Spirit Driven Success, Dani reveals time tested biblical secrets to achieving financial freedom. Inside you'll discover the spiritual keys that unlock the door to true wealth. You'll also uncover the habits that lead to poverty and financial struggle, the lies about money, how God rewards the spirit of excellence, and much more!

    "This book will change the outlook of those who read it." - Murali Vijay, Indian Cricketer "This book changed the way I looked at vacation planning and...I only wish that I had access to it at the start of my career." - Muthu Krishnan From the Author This step by step guide to your version of the Rich Life includes: - How your attitude toward money should move over from 'past looking' to 'future focusing' -How to find mistake fares to Europe, Pacific and Far East and make that extended 4-day weekend, Thai trip for under 10k INR - Years of research resulting in 40 resources of 'free and cheap accommodations' for vacations - Tried-and-tested scripts to negotiate down credit card, Dish TV, Phone and Internet Bills - How credit cards can help you lower home-loan payments - How to setup the cashflow, so that you can make Diwali, Birthdays and other repetitive expenditures, a breeze - How to make big purchases like a home or a car - a walk in the park - How to invest for your retirement with peanut money now - Enjoy guilt-free irrational spending while also being responsible over the future - Automate every part of your money-life If you are in a 9-5 and are even part-disgruntled, Gamechanger is going to be the turning point of your life

    It doesn’t matter if you’ve been married for 40 years or dating for 4 months, money touches every decision you make as a couple—from the $5 cup of coffee to the $50,000 car. And when the two of you don’t see eye-to-eye on how much to spend or how much to save, that’s when arguments turn into ugly toxic fights that leave both persons feeling hurt and angry. It’s why money has become the #1 cause of divorce in the U.S. Obviously, something needs to change. The reason this crisis has not been addressed is because it has never been identified, defined, or given a name. Scott and Bethany Palmer, aka “The Money Couple,” have identified and defined this problem and offer concrete solutions to fix it.Once you know your Money Personality, you can get to the root of money arguments and start really working together. You’ll discover what has an impact on your loved one’s money decisions, and you’ll learn how to talk about money in a way that’s actually fun! You’ll figure out how to put an end to money secrets and lies once and for all.It’s not just about money management, and it’s definitely not just about overcoming debt. It is a whole new way of living that will change everything in your relationship. Tens of thousands have already been transformed. Are you ready?

    

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    

    

     In this book you’ll find: • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today • 2 questions you must answer before you invest another dime • Why investing after you retire is radically different from investing while you’re still working • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do • The 10 essential questions you must ask a financial advisor—before you hire one • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money “Thurman takes a subject that is often misunderstood, and provides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” –Jimmy J. Williams, CFP®, CPA/PFS CEO/President of Compass Capital Management, LLC “A must for anyone thinking of retiring or recently retired!” –Stan Toler, bestselling author of The Secret Blend

    There is nothing wrong with that desire. But you must have known the secrets of avoiding losses. Share Market is a field that has of late developed overwhelmingly. Millions of people invest in it with enthusiasm and are interested in knowing details about this grey area. Sadly, not everyone who invests in it earn profits. Some people who constantly learn end up earning, but those who do not know anything about it and put their trust on luck lose miserably. This book shows the way to avoid losses and increase gains in share market. This comprehensive book touches upon every aspect of stock market investment. A fantastic starting point for anyone aspiring to enter into the unknown world of share market. Even for investors who are already in the market, this book can serve a guide. People say, you either earn or learn in share market. This book preaches the secrets of learning and earning at the same time. This work takes you through an introduction about shares, functioning of share markets, relevance of stock market indices and different approaches for primary & secondary market investments. In also talks about the real qualities of an investor and how he differs from a speculator in the marketplace. Relationship between inflation & investments and the need for achieving inflation adjusted returns are stressed upon. Various stock selection processes, approaches to adapt for different market conditions and more more importantly the art of avoiding losses are discussed in details. You will learn how to analyse a company, its shares, market dynamics, how to value a business, what price to pay for a company etc. All important parameters, numbers and ratios are explained with interesting real time illustrations. Difference between value investing and growth oriented stock selection process is analysed thoroughly, Likewise, fundamental analysis and technical analysis are compared in a rational way. On top of these, this books describe the qualities that differentiate successful investors from ordinary ones. Those qualities are analysed in detail. More importantly, the book stresses the importance of identifying bad companies and unethical management, and teaches how to stay away from them.

    The Trifecta Secret of Wealth & Abundance is an easy-to-follow guide that leads you straight to the life you are meant to live. Each of us has a special purpose, and learning our own unique truth opens us up to receiving the three things we most want and need in life: Health, Wealth, and Love. Many self-help books zero in on one area: how to get rich, or how to get fit, find love, or be happy. But they fall short of the mark simply because of their narrow focus. For, as The Trifecta Secret of Wealth & Abundance clearly illustrates, it is in achieving a balance of love, health, and money that true happiness and plenty are found. Avoiding the usual fluff, this book dives right into the heart of its message. It's straight to the point and offers up substantial information from the very first page to the very end. The truth is that the power lies within each one of us to create our own abundance. So, before we can achieve success in the outside world, we must begin by bringing balance to our inner world. Start your journey today.