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 it, you'll discover exactly how you can use your life insurance to benefit you while you are alive—and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies—this book will be your guide.Life insurance is one of the oldest financial products around, and yet it is one of the most misunderstood. People debate its efficacy from every angle, but rarely is it championed. That is, until recently. Now, in this landmark book, you'll discover:• The invaluable CLUE concept• How to leverage opportunity and investment capability• How one dollar can do many jobs• How to use your death benefit while you are alive• Why you should set up a family bank• And much more."Live Your Life Insurance" is a book about life and living—using and benefiting from your life insurance while you are alive to enjoy it. And, in today's economy, it is more important than ever to understand and utilize all the financial tools we have at our disposal.

    No matter how much cash or experience you currently have, this book will take you on a journey through buying your first multifamily investment property and give you a framework for turning that into long-term financial freedom. Millionaires are created every day—isn’t it time you joined the ranks? It won’t happen overnight and it won’t always be easy, but The Multifamily Millionaire series will make sure it happens sooner than you ever thought possible! Inside this book, you’ll discover:• How to create a million-dollar net worth in five years using the stack method • The seven different types of small multifamily real estate and which make the best rental properties• How to quickly and accurately analyze your investment, whether its two units or twenty units • Three creative no and low money down strategies that work in any market• A game-changing algorithm for estimating your ongoing repair and reserve expenses • The powerful Multifamily Millionaire Model that illustrates how a million dollars can be created from one single deal• Six off-market acquisition strategies to help you land incredible deals, even in a competitive market• How the BRRRR strategy can help you supercharge your small multifamily portfolio• Detailed instructions for managing your growing portfolio (hint: find five-star tenants!)• And so much more

    It reflects the latest information (in 2001), including the impact of global competition and rapid technological advances, that have accelerated trends such as shared service centres, outsourcing and just-in-time training. A number of actual company examples demonstrates how concepts are being used in several leading-edge organizations.

    On a crisp winter morning, Richard, a successful, self-made CEO runs into Zoya, a quirky, free-spirited artist. The meeting leaves them struggling to find a balance between what they believe about life, and what is actually out there.What You Seek is Seeking You is a heart-warming tale about what happens when you are forced to question everything you ever knew to be true. Refreshingly honest, it helps you rethink some of your most fundamental beliefs – the ones that hold the very canvas of your life in place, but which in fact may be limiting you.Setting the scene with a lively fable, Azim & Brian share insightful and tangible ways to:• Invite Positive Coincidences and Attract What You Seek• Set Goals, Remain Focused and yet Stay Detached from the Outcome• Enhance Your Business AcumenBrian Tracy is one of the finest self-help speakers of all times, a bestselling author of 70 books and a human potential expert. He has consulted for more than 1,000 companies and has spoken to 5,000,000 people in 65 countries. Brian is the Chairman and CEO of Brian Tracy International and his goal is to help you achieve your personal and business goals faster and easier than you ever imagined.Azim Jamal is one of the finest inspirational life altering speakers who has spoken to more than 1,000,000 people worldwide in 26 countries and his various media messages have been heard by more than 5,000,000 people. He is the CEO and founder of Corporate Sufi Worldwide whose mission is to inspire individuals and corporations to unleash their power within and find harmony between Business, Balance and Beyond.

     From energizing morning routines, to insanely efficient work routines, to empowering evening rituals, the ultra-successful structure their days to utilize every last waking minute to its fullest potential. And in this book, you will learn how to do the same. How will you learn to create the ultimate daily routine? Inside the book: The secret to creating the ultimate morning routine so you can have your best day every day (Hint: It has 3 parts) How to get more done with an ultra-efficient work routine (plus the ultimate work routine for squeezing every last drop of potential out of your work hours) How to renew your energy throughout the day with an “energy ritual” for all-day energy and productivity (plus how to schedule tasks according to your energy levels) Why having cold showers every morning can leave you feeling more energized, happy, and productive The secret to waking up feeling energized (Hint: It has nothing to do with how long you sleep for) How to finish your day with a powerful evening routine so you can kick ass the next day (plus an example of a great evening ritual you can copy) And much more… To create a powerful daily routine and perform at the peak of your abilities day in and day out, scroll up to the top of this page and click BUY NOW.

    They follow a tested and proven set of rules which help them trade effectively. This stock trading book contains many time-tested stock trading tips/rules/guidelines gathered from numerous successful traders from all over the world. One of the most effective ways to become successful in any endeavor is to “model” yourself after those who are already successful. The tips/rules/guidelines will not only help to get you on the right path to successful stock trading, but help to keep you on the right path. These useful tips are arranged based on a variety of stock trading topics for your quick and easy reference. This book was designed as a collection of trading tips as a brief introduction to stock trading for beginners. If you are an experienced and successful trader then you are already putting into practice the information found inside this book. If you are new to trading stock, however, there are tips/rules/guidelines to help you in a number of different areas. If you are interested in more in-depth coverage of stock trading, please check out my other more advanced books in my Stock Trading Systems series. Create A Simple StockTrading Plan - As the old saying goes, "if you fail to plan, then you plan to fail". Included are some basic guidelines to help you quickly and easily create a basic stock trading plan. Stock Investing and Stock Day Trading - Whether you are interested in longer-term investing or shorter-term trading there are plenty of timely, useful trading tips for you. Stock Trading Strategies - Learn the basics of stock trading strategies and why they are critical to your trading success. Stock Trading Basics - This section of the stock trading guide contains a wide variety of solid trading tips and serves as an excellent reference. Stock Trading Myths - Some of the things you will hear about stock trading are just plain nonsense. Learn about some common stock market myths that may already be costing you money. Money Management - Learn the power of money management. Money management is the one key ingredient that can multiply your profits without multiplying your risk level. Stock Trading Discipline - Learn the importance of trading discipline and why it is absolutely essential for your success. Inside you will also find tips/rules/guidelines ranging from tips on getting started in stock trading to tips on such important topics as stock trading strategies, day trading stock, and much, much more. You Can Read this book on your PC, Mac, Kindle device, Tablet, and even your SmartPhone! Download this Kindle book and start to improve your stock trading today!

    This book is gripping tale for anyone who has been or loves someone who has been recruited into a network marketing business. This well documented book has been utilized by government authorities in both India and the UK to take action against Amway's deceptive business scheme which knowingly has created losses for the majority of all induced to invest.

    

    Many leadership books can be boring. Instead of reading another repetitive book about 100 leadership essentials by a corporate CEO, search no more for the perfect leadership book. In "The Diary of a West Point Cadet," by Captain Preston Pysh, the author teaches essential West Point leadership through the most fun and unique reading of any book in its class. If you are an aspiring cadet, a small-group leader, or even an emerging leader in corporate America, this book is for you. Each intriguing firsthand account of Preston's most memorable stories from attending West Point will capture your interest and imagination. At the conclusion of each gripping story, Preston efficiently summarizes how the experience taught him lessons about leadership, which later prepared him to be a combat commander. If you like twists and turns while reading and learning, you are in for a treat. Prepare to be glued to your seat and the text as you experience unforgettable stories and lessons from "The Point."

    This book is going to provide you with everything you need to know about Ethereum and whether it is worth investing in now. Like many people, I became interested in Bitcoin years ago, when Bitcoin was still relatively new, but hinting at a huge profit margin for those who took the risk and invested. It was after a couple of years playing around on the Bitcoin market that I heard about a new type of blockchain technology, one that wasn’t just a digital form of payment, but one that could support potentially endless different types of applications. Not only that, but it comes with its own currency. This, to me, sounded like a potentially profitable situation, so I decided to dig a little deeper. Unlike Bitcoin, Ethereum is still largely unknown to those who don’t keep up with the cryptocurrency world, so the amount of information available is limited or highly technical. Still, it was fascinating and the more I read about Ethereum, the more I began to see its huge potential. And I’m not alone. More and more Fortune 500 companies are investing in Ethereum technology as it becomes increasingly lucrative and poises to change business processes as we know them. I decided to condense my research and share my knowledge on Ethereum by writing this book. The book is designed for those who are new to cryptocurrency, but want to invest in it or learn more about it, as well as for more experienced traders looking to expand their portfolios. With a 5,000% increase in value in the first few months of 2017, Ethereum is proving to be a profitable currency. Still, as it is so new – it was only launched in 2015 – it comes with many infancy-related risks. It’s partly this that makes it so exciting. This book will help you make your own investment decisions and decide if Ethereum is the right coin for you after weighing up the pros and cons that are presented here. So far, Ethereum has made me good money and I was lucky to make the investment when I did. However, now is not too late to invest, not by a long shot. In fact, now is the perfect moment to make the most of Ethereum’s infancy and gain potential first-mover advantages. Ethereum’s technology is only at the beginning of its potential growth stages, possibly reaching to dozens of industries and thousands of services. If its technology is adopted the way it is expected to be, Ethereum will enjoy a long and lucrative spot at the top. The profits are ripe for the taking. Here Is A Preview Of What’s Included… What Is Ethereum? Smart Contracts, Dapps, And DAOs The Technology Behind Ethereum What Is Ethereum Mining? Uses Of Ethereum What Is Ether? The Financial History Of Ether How to Buy, Sell, And Store Ether The Mining Process Of Ether Should I Invest In Ether? The Future Of Ethereum Much, Much More! Get your copy today!

    However, he has discovered that "being successful" is only part of life's challenge. Success is very often a short-lived high. People arrive at the goal line in life, look into the end zone and discover that it contains many of the things that money will buy, but it contains very little of what money won't buy. Zig believes that yes, success is worth it, but it is not enough. The next step is to move from success into significance. In A View from the Top Zig will teach you: to bring in spiritual dimention in all areas of your life the power of giving others a hand up, not just a hand out to make radical changes with minute steps to develop a wall of gratitude to combine your mission and your vision A View from the Top will help you achieve success and significance, so when you reach the top you'll find the view simply magnificent.

    

    With a net worth of $77.1 billion, the billionaire investor's fabled business acumen has inspired everything from investment books to college courses. He is known to favor long-term investment strategies, like dollar cost averaging, which encourages the regular purchase of the same investment over time. He also has long-standing holdings in the Coca-Cola Company, Apple, and American Express among others. His now infamous letters to Berkshire Hathaway shareholders help shed light into how the man they call the “Oracle of Omaha,” reads the tealeaves.This book takes a look at Buffett’s life. From humble beginnings in Omaha, up to present day where the 86 year old is still going strong. We take a look at his first taste of business at the ripe old age of 6, following on with his major successes and failures along the way. The aim of this book is to be educational and inspirational with actionable principles you can incorporate into your own life straight from the great man himself. *INCLUDING*  25 Most Memorable Quotes & 15 Success Principles to Live by Don't wait, grab your copy today!