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.

    The Boys' Club is the must-read inside story behind the power and politics of AFL, Australia's biggest sport.Revealing how the fledgling state administrative body evolved into the Australian Football League and its meteoric rise to become one of the richest and most powerful organisations in the land, award-winning investigative journalist Mick Warner delivers a fascinating insight into key figures and their networks.Tracking the rise of the game and the AFL figureheads, The Boys' Club lifts the lid on the scandals, secrets and deal making that have shaped the Australian game.

    

    New material in the third edition includes: - A new chapter--complete with colorful examples from Lloyds of London and Sumitomo Metals--on how risky behavior can lead to disaster in private markets.- An evaluation of the Federal Reserves role in reining in economic growth to prevent inflation, and the debate over whether its growth targets are too low.- A look at the collapse of the Mexican peso and the burst of Japans bubble economy.- A revised discussion of the federal budget deficit, including the growing concern that Social Security and Medicare payments to retiring baby boomers will threaten the solvency of the government. Finally, in the updated concluding section, the author provides three possible scenarios for the American economy over the next decade. He warns that we live in an age of diminished expectations, in which the voting public is willing to settle for policy drift--but with the first of the baby boomers turning 65 in 2011, the U.S. economy will not be able to drift indefinitely.

    especially the biker who turned her down cold when she offered herself to him. It may be February, but hearts and flowers are the last thing on Dani Geary's mind. She's too busy struggling to keep her art shop open. When a nomad biker rides back into her life, claiming to be a part-owner of her business, she’ s furious, for more reasons than one. Because he’s not just any biker… he’s the man who rejected her when she needed him most.But when she goes to the president of the Devil’s Flyers MC for help, she’s in for another rude surprise. Stick Vanko tells her to make it work with her new partner.Dean ‘Grinder’ Geary is down on his luck. First, he wrecked his beloved Harley, and tore up his knee. Then, he lost his job as bouncer at a Seattle nightclub. At forty-four, the only thing he has left is part-ownership of a little art shop in Spokane, Washington.But to claim it, he must deal with his dead cousin’s ex. The woman who ruined him for all others.And the last woman he should ever trust—in business or in pleasure. Will love's sweetness be worth the sting? Ride along with the Devil's Flyers. The bigger the alpha… the harder he falls. Each book can be read as a standalone, with a HEA, no cheating, and honey-sweet, turn-up-the-heat romance!

    Her father drags her to the beach for a Newport Beach Seagulls' event, something he's done with her since the team was first created in 1993. In fact, he's had season tickets for the same amount of time, and since Emma's mother left them when Emma was three, she has been her father's date ever since.Kyle Underwood is a first line right winger for the Newport Beach Seagulls. He's an instigator on the ice, the type of player who rubs his mouth, gets under the skin; the kind of player who is hated unless on the team. He's happy being single, dating around, and focusing on his passion: hockey. Up until he decides to talk to Emma Winsor, daughter of one of the Gulls' season ticket holders. He thinks she'll be like every other puck bunny who attends these fan events but she doesn't even know his name.She's different. He has to have her.Will Emma take a chance on a notorious bachelor hockey player? Can Kyle convince her that he's just as different as he is?

    Wanting no part in the rampant war in the western plains, Wolf is set on returning to his mountain refuge. But his journey home is interrupted by three desperate women who need his help. What Wolf doesn’t realize about these women is that they aren’t what most people would call ladies. His innocent association with these prostitutes leads to a near-deadly fight that ends with a charge for attempted murder. Chased by the most experienced deputy the marshal service has, Wolf leads him to the Black Hills, where their final showdown can only end in blood.…

    Leaving behind a dead-end life, I thought settling in with the Le Roux family was what I was meant to do. But meeting Victor changed everything, and now I can’t imagine surviving without him. I, Sierra Steele never expected sexual pleasure to become my nightmare. My body is reveling in my new predicament, while my mind is screaming at the invasion. But protecting Carly is my purpose, and I’ll do what’s necessary. As long as I stay sane…

    

    Each dot is a ship; each ship is laden with boxes; each box is laden with goods. In postindustrial economies, we no longer produce but buy. We buy, so we must ship. Without shipping there would be no clothes, food, paper, or fuel. Without all those dots, the world would not work.Freight shipping has been no less revolutionary than the printing press or the Internet, yet it is all but invisible. Away from public scrutiny, shipping revels in suspect practices, dubious operators, and a shady system of "flags of convenience." Infesting our waters, poisoning our air, and a prime culprit of acoustic pollution, shipping is environmentally indefensible. And then there are the pirates.Rose George, acclaimed chronicler of what we would rather ignore, sails from Rotterdam to Suez to Singapore on ships the length of football fields and the height of Niagara Falls; she patrols the Indian Ocean with an anti-piracy task force; she joins seafaring chaplains, and investigates the harm that ships inflict on endangered whales.Sharply informative and entertaining, Ninety Percent of Everything reveals the workings and perils of an unseen world that holds the key to our economy, our environment, and our very civilization.

    The only witness is disabled vet Adam Lee—wounded in a Special Forces mission to Cuba to destroy Fidel Castro's secret Brilliant academy. Though wheelchair-bound and trapped in his seventh-story apartment, Adam Lee has a special skill, his ability as a Brilliant, that allows him to use hints and reflections to see around corners and through the smallest cracks. If he pushes his ability, he may be able to identify the murderer...but that also makes him a target.

    As of January 14, 2016, this is an unverified document. NOTE: this document has been reformatted for the Kindle. It can be searched, bookmarked, annotated, etc. It is not a dump of the PDF.

    He has until Thanksgiving to decide if he should be the one to move to Marietta. But could he be happy living in such a small town?The Valentine QuestDustin Decker makes a strategic pact with the prim, bookish Nevada Parker for a multi-day race called The Valentine Quest. But with a kiss, their unlikely alliance turns into something more…and soon racing isn’t the only thing on their minds. As the finish line nears, they must decide if the grand prize is worth more than what they’ve found together…or if one of them will walk away empty handed—and broken hearted.The Chocolate TouchChocolate expert Chantelle Cummings arrives in Marietta, Montana with two goals—sign copies of her new book and research a quaint local chocolate shop. When she meets the gorgeous York Parker passing out chocolate samples, her visit turns sweeter than she ever imagined. But when York learns she’s moving abroad, will the truth harden his heart, or will love pave the way to a sweet future?

    And now that she’s signed with Glitter Records and is working with her longtime celebrity crush, pop singer Matt, Lindsey is determined to win him over. But will burning bridges enable her to achieve her goals, or will she only end up badly burnt?*With a special cameo appearance from Maude Laurent (the French Girl series).This short story takes place before the start of A French Girl in New York.

    Indeed, many view this historic win as a culmination of the sacrifice and courage of the Civil Rights movement - and even more people view President-Elect Barack Obama's win as a signal that America is indeed ready for a new direction and a new era. In Grant Park in Chicago, Illinois, President-Elect Barack Obama gave his victory speech to an estimated crowd of 65,000 people - and tens of millions of people around the world watched the moment unfold on their television and computer screens, or listened to this monumental moment on the radio. This is the entire speech, including the interjections of the crowd screaming "Yes we can!". This speech is already in the history books, and you can read this anytime you need a stroke of hope or inspiration. This will make a great addition to any book collection.