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.

    This book contains 400 question covering all eight of the Harry Potter movies. Questions range from Siriusly easy to Riddikulusly difficult. There's also a round of tiebreakers to settle any disputes. Will you score 10 points for Gryffindor or will you Slytherin to last place?

    Erin recounts her path of achievement starting as a promising young student and athlete and, ultimately, how she allowed her career and its demands to become the center of her life. She sacrificed all other priorities and relationships along the way, throwing work-life balance to the wind. The story reveals the subtleties of the everyday decisions that led collectively to a work-centric existence over a twenty-year career. Set against the backdrop of the dramatic circumstances at Lehman Brothers in 2008, Erin discloses her own struggle as events spiraled out of control. Ultimately, her resignation from her executive role prior to the Lehman bankruptcy resulted in a devastating personal crisis as her career crumbled revealing no foundation beneath it. We learn of the journey back to change her life with a semblance of present day peace and happiness. Full Circle provides a unique inside and emotional perspective of the sacrifices Erin made to achieve extreme career success and the self-awareness required to return to being the fundamentally grounded person she was as a child.

    His story begins in 2002 as an everyday postal letter carrier in Springfield, Ohio when he gets the call to muster. In the next three years, his life is thrust onto the world stage as an active participant in combat. His unique experiences as an MA (Mortuary Affairs) Marine puts him and his fellow teammates directly into the path of war. Told in first person view, the read what it was like to witness a despotic regime crumble, walk the streets of terrorist held cities on foot patrols, go on Search and Recovery missions to recover the fallen off of the battlefields, and feel the sting of loss of a friend to the harsh realities of war. These are the stories that are never spoken, by a Marine who was there, to return the fallen home with honor.

    You can crochet these slippers in about 2 hours dependingon how fast you crochet using bulky yarn and a J, K, or L hook.The pattern instructions are for 4 styles of ladies slippers in three sizes. Patterns for threeflower embellishments and 2 bows are included.This crochet pattern is suitable for beginners.You should know how to chain, single crochet,half double crochet, double crochet, and sew seams together with yarn. Ariana - These slippers are so soft and comfortable with just the right amount of stretch. You can crochet these in less than 2 hours and they make great gifts. Carrie - Super simple to make, these soft and cozy slippers are just right for lounging around. Flora - A pretty pair of slippers that fit your feet quite cozily! Isabell -This pretty ballerina style slipper can be made in two colors or just use one. I hope you enjoy my patterns for these easy to crochet slippers.

    Dr. Wayne Label covers it all, in a style that's easy to understand and apply. This guide will help you get your accounting system up and running and your business needs satisfied. Topics covered include: -- Income Statements-- Statements of Cash Flow-- Balance Sheets-- Assets & Liabilities-- Double-Entry Bookkeeping-- Debits & Credits-- Audits & Auditors-- And everything else beginners need to know For entrepreneurs or anyone who needs to brush up on accounting fast, this book is an essential resource for the businessperson's shelf.

    This is not you grandma's coupon book! Pick Another Checkout Lane, Honey teaches you step-by-step how to:o Find coupons and "stack" them with a sale for huge savings.o Build a stockpile of food at rock-bottom prices to last you and your family up to a year.o Make passers-by gape at your cart full of groceries you purchased for 75% off retail price.o Get your cashiers to gasp and applaud as you purchase everyday items for pennies on the dollar.o Gain the confidence to strut down the aisles, flaunt your coupons, and maybe even wear high heels to the grocery store!Authors Joanie Demer and Heather Wheeler, founders of TheKrazyCouponLady.com, share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have shoppers high-fiving the grocery store cashier in no time.

    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.

    

    

    Kirkland is a master at finding the small hidden bits of humor in events that the rest of us might just as easily overlook. His goal with his writing has always been to let his readers laugh with him and at him, and by doing so, finding a way to laugh at themselves. His previous books have been called "a must-have for all of us who love to just sit back and laugh." This book follows that tradition.Recipient of the 2006 Stephen Leacock Award of Merit for Humour (Canada.)

    That's why you need to learn to think and trade like an institution. In this book you will learn: • How to work with Price Action • Price Action strategies that you can immediately put to use • How Volume Profile works • My favorite Volume Profile strategies • How to find your own trading style and what are the best trading instruments to trade • How to manage trading around macroeconomic news • How to do your market analysis from A to Z • How to manage your positions • How to do a proper money management • How to deal with trading psychology • How to do a proper backtest and how to get started with trading your backtested strategies • What are the most common trading mistakes and how to avoid them • The exact ways and rules I apply to my own trading You will learn all this in a simple, poignant way along with many examples and pictures. Book has 195 pages.

    Her survival and perseverance through unimaginable circumstances, to arrive in the USA caused legendary talk show host, Barry Farber to dub her "The Ground Kisser."Awards - Reader-voted into the top 50 Books of 2019, Georgia Peach Award, and finalist in the SCWC Notable Book Awards.

    Siracusa's overview, wrap-up, and critique of everything new in OS X 10.10 Yosemite.

    You’ve deloaded, done your recovery session, even taken a hot bath. Oh how nice a massage would be right now. The problem is not all of us have the time or the money to invest in some good soft tissue work. Want a cheap yet extremely effective way to get rid of your aches and pains? This easy to understand guide will help you address all of those problems and more. Best of all, you don't even need to leave your house or buy any expensive tool. Just grab a tennis ball and get started.Being able to treat your own pain is a very valuable tool. It can save you a lot of money and mean less trips to the physiotherapist as well as ensuring that you are keeping your body in good condition. Trigger points and tight muscles are a common cause of muscle and joint pain. They can refer pain to other areas as well as causing problems at the site itself. Although they don't count for all the pain you might be suffering from, releasing them can certainly help get rid of a lot of the pain, if not clear up your problem entirely. Have you ever been to the doctor and he or she told you that theres nothing wrong, even after extensive scans? You might simply need some work on your muscles. Keeping the muscle tissue quality high will help reduce the amount of injuries you suffer from, improve your posture as well as help a lot of muscle and joint pain.In this book you can learn how to effectively get rid of shoulder pain, neck pain, upper and lower back pain, hip and glute pain and stiffness, leg and knee pain, calf pain, ankle stiffness, Achilles problems and much more.Actual excerpt from the book of how I discovered this great technique."When I was playing in Germany, I had really bad shoulder pain. The kind that ran down to my fingers and made me unable to put my arms over my head. One night trying to get relief I grabbed my old Motorola and started laying on it, with it digging in under my shoulder. Slowly and excruciatingly I released the rotator cuff muscles and gave myself a pain free range of motion that I had only dreamed of before. Needless to say, I thought I was a genius and upgraded to a tennis ball pretty quickly."