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 discuses various major types of financial institutions and financial instruments present along with how and why the system of money and capital markets is changing. It also provides a descriptive explanation of how interest rates and security values are determined.

    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.

    The biggest investment you will ever make is towards your financial education - and this easy-to-read guide provides just that. It answers vital questions such as:- Where does money come from?- Why do prices go up every year?- How do I get out of debt?- Should I invest in the stock market?- What is the value of gold in our financial system?- How do I make my investment portfolio shock-proof?Practical, fun and straight to the point, Money Wise will equip you with the tools to manage your money with confidence and competence.

    

    

    In Options Trading QuickStart Guide, ClydeBank Finance packages the wisdom of the Wall Street elite into a straightforward and easy-to-read teaching tool. Options Trading QuickStart Guide is ClydeBank Finance at its best, making complex ideas clear while endowing readers with a wealth of powerful new knowledge. Whether you’re a newcomer to options trading or a grizzled veteran looking for a fresh take on basic strategy, you’ll enjoy the plain-spoken style and colorful scenarios illustrated in Options Trading QuickStart Guide. In addition to providing a solid beginner’s course in options trading, Options Trading QuickStart Guide walks you through a multitude of strategic trading decisions, showing you how a trader thinks and how he arrives at critical decisions. This book wasn’t written for someone who wants to stay on the sidelines, but for the ambitious trader looking to become a formidable, sharp, and cunning options trader. You'll Learn: The fundamentals of put and call options. How to understand and leverage intrinsic value How to use a stock’s IV (implied volatility) to inform smart trades What you need to know about “The Greeks.” The mechanics of the short sell Scroll Up To The Top Of The Page And Click The Orange "Buy Now" Icon On The Right Side, Right Now! ClydeBank Media LLC 2016 All Rights Reserved

    (And more importantly, when it will not!)Which business structures could reduce your Federal income tax or Self-Employment Tax.

    You will learn: Trading strategies that work in bull and bear markets Insider tricks used by professional traders Why option sellers have a huge advantage over option buyers High probability winning trading strategies How to make money using iron condors, spreads, and other strategies Join the thousands of smart traders who have come over to the "selling side."Now is the time to get started making money the easy way.And if you ever get stuck, you can always reach out to me by email (provided inside of the book), and I will help you. Get started today: Scroll back up to the top of this page and select the "Buy Now" button.

    

    

    The setup you choose is absolutely crucial to your success. Some setups do not occur frequently enough, or are too tough to trade psychologically. Others are not universal enough, and work only occasionally on some instruments. And still others do not give you enough profits for the risk taken, or are too complex to execute under live market conditions. Breakout Trading is a simple and comprehensive trading method that you can use in all markets, with potential profits far outweighing the risks. It was used by such giants as Jesse Livermore, Nicolas Darvas, Richard Dennis and the Turtles, Linda Raschke, and many others. How This Book Can Help You The Complete Breakout Trader will teach you: - The Essentials of Breakout Trading based on Price Action - Understanding of Market Modalities - Where to Enter and Exit your Position - The Art of Catching Monsters (large profits) - How to Improve your Trade Success Rate - Pitfalls to Avoid in Breakout Trading - Additional Tips for Continued Trading Success ...and much more. Consistent, and profitable.

    Your choice."--Richard Fields, Retirement Expert. Wall Street warns you to withdraw only 4% a year when retired. But Main Street retirees have an advantage. You can obtain 6%, 7% and even 8% annual dividend yields--triple or even quadruple the S&P 500's yield--without reducing principal or taking on unnecessary risk. Skip Wall Street's low-yielding, blue-chip, "dividend aristocrat" BS and learn how from Brett and Tom!

     This book is not about day-trading, it is not the ‘holy grail’ and it’s not going to make you a millionaire overnight. But if you follow the author’s exact rules and trading psychology tips, you’ll learn how to manage your trading account like a true professional. Download your copy today and discover… • How to successfully trade stocks, forex, ETFs, commodities and bonds. • How to calculate your position size for each trade. • When to enter and exit positions. • Where to put your stop-losses and profit targets. • How to cut your losing trades quickly and let your winning trades run. • How to find the most promising markets to trade in less than 20 minutes each evening. • How to combine fundamental and technical analysis to find the strongest stocks from the strongest industries. • How to find penny stocks that could make triple-digit returns, without day-trading or taking unnecessary risks. • How to define bull markets and bear markets using simple tools. • How to use correlation analysis to improve your diversification and profits, while simultaneously reducing your risk. • How to overcome the psychological barriers that prevent the majority of traders from ever making a dime. • And much more. Buy Your Copy Today and Receive 100% Free Access to The Accompanying Video Series and Exclusive Downloadable Content.

    You don’twant to be the old employee working as a door greeter at your big chain department store. It will also be frustrating and very depressing if you are not financially aware of your future. Time seems to go faster the older you get and it’s never too late to get started.But getting started might be one of your problems. There is too much information available and too many scammers are trying to get you to invest in shady companies. You also don’t have the time to figure everything out by yourself, because it might seem too hard and complicated.However, getting the investing part of your life handled will improve your life tremendously. You will have peace of mind when you think about your future and you will also have the confidence to make sound investing decisions. You’ll also have the knowledge to talk intelligently with your peers and financial advisors, making it easy to spot when someone is giving you wrong information.I begin with the basics, like what are stocks and how the stock market works. I then transition into how you can make money in the stock market, give you some stocks you should have on your watch list and some of the lies and mistakes you will have to deal with as an investor.So, don’t wait and get this book now. It’s on sale at this moment, but the price will go up!