Economics, finance, business & management

    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.

    It's about the man who composed the Koran.Author F. W. Burleigh draws on an academic, investigative, and literary background to bring forth this penetrating look at the man behind it all. Burleigh’s interest in Islam was sparked by the events of 9/11. The questions guiding his studies were, “Why do Muslims do what they do? Why is there so much violence connected with this religion?” After a line-by-line scrutiny of 20,000 pages of the original literature of Islam, the author gives his blunt assessment in the title: It’s All About Muhammad.The book is in three parts. The first 12 chapters explore the epileptic fits that convinced Muhammad that he was in communion with God, explain the Koran and why he composed it the way he did, and show the humble origin of the Kabah, which only attained its cubic shape in the year A.D. 605 with Muhammad as a member of the construction crew. The book shows the magma chamber of hatred that formed in him due to traumatic early-life experience and tracks the emergence of his psychopathic nature. It exposes how he modified ideas he took from Judaism and Christianity to suit his grandiose idea of himself as the "last and final prophet," his intolerance of Meccan polytheistic beliefs, and finally his declaration of war against "all and sundry" who refused to accept him and his religion.In the second part, Muhammad's magma chamber of hatred erupts on the world. The book shows the creation of his al-qaeda--his base of operations in Yathrib (Medina) where he fled after the Meccans decided they had to kill him, his conflict with the Jewish tribes of Yathrib after they refused to accept him as their prophet; his genocide of the Jews including the beheading of the men of an entire tribe; the assassination of his critics; the battles and raids and orgies of rape, plunder, and slaughter; and finally his conquest of Mecca. Like a dramatic arc, these 18 chapters form Act II of a script that is still being played out today.In the final part, Muhammad's ruthless conquest of all of Arabia is presented. This section also gives an account of his numerous wives and the expansion of his wars beyond the confines of the Arabian peninsula. One of the final chapters explores his claim that he will be the first to be resurrected on the day of resurrection and that he will assist Allah in determining who goes to heaven and who stays in hell--part of the "breathtaking nonsense" of what Muhammad claimed about himself, as the author phrases it.What Muhammad created continues to wreak havoc on the world. It follows the script he wrote fourteen centuries ago. It is not sufficient any longer merely to raise the alarm about Islam--an ideology of submission to the will of a psychologically deformed and spiritually grotesque man. What needs to accompany the alarm is a solution, and this book offers a solution: It is a matter of an aggressive, relentless, and unapologetic exposure of the truth about Muhammad in every graphic form possible, from illustrated books to docudramas to full-length feature films. With its 25 illustrations, It's All About Muhammad offers itself as an example of the approach.The truth about Muhammad is a powerful weapon of self-defense that people must take up to oppose and ultimately push back what he created. It is a weapon within the reach of everyone.

    Imam Bukhari collected the Ahaadeeth over a period of 16 years. He stated that before writing any Hadith in this book, he performed Salat of Istikhaara (offered two Rak'at prayer for guidance from Allah), and when he was sure of its authenticity, he included that Hadith in his Sahih.There are 7563 Ahaadeeth in this great collection consisting of 9 Volumes. Each book (subtopics in each volume categorized by very broad topics such as the Book of As-Salat) contains many chapters which represent one logical unit of Ahaadeeth. Each book contains anywhere from one to 150 chapters with each chapter containing several Ahaadeeth.Dr. Muhammad Muhsin Khan translated this book in simple and easy language. Tremendous amounts of errors exist in the translations by other translators. To eliminate the problem Dar-us-Salam spent over 3 years in the publication of this book and presented a book which is translated into English in a very easy & simple language, so that all readers can understand it without difficulty. We wish that all the peoples of the world, and the Muslims in particular, implement the teachings of the Prophet Muhammad (sallallahu alaihi wasallam) in their daily life.

    along with a glossary of the important characters and terms used in the original book. Just in case that’s not enough for you, I’ve also included a list of possible study questions (book club discussion topics) and quotes from the book that I found interesting.Wrapping it all up is a discussion of the critical reviews for Killing Jesus as well as my overall opinion of the book. Plus much more!Whether you’re reading this for a book club, school report, or just want to get a quick preview before diving into the full length book, you can use this book review and study guide to get the most out of your experience reading Killing Jesus by Bill O'Reilly.I hope you enjoy this review summary book...~ Anthony Granger ~

    For some, the word is frightening; for others, mysterious. For all, it is a religious force that cannot be ignored. Now there's a question-and-answer book on Islam written specifically for Catholics. "Inside Islam" addresses Islam's controversial teachings on God, jihad, the role of women, and more.

    These enemies of Israel are depicted on the red arrows upon the book cover image, and their mandate is clear: They have said, "Come, and let us cut them off from being a nation, That the name of Israel may be remembered no more." (Psalm 83:4). Psalm 83 predicts a climactic, concluding Arab-Israeli war that has eluded the discernment of today's top Bible scholars, and yet, the Middle East stage appears to be set for the fulfillment of this prophecy. While many of today's top Bible experts are predicting that Russia, Iran, Turkey, Libya, and several other countries are going to invade Israel according to the prophecy in Ezekiel 38, this timely book explains how Psalm 83 occurs prior. Discover how Israel defeats their ancient Arab enemies, and why Americans need to stand beside Israel in this coming war! This book is an updated version of Isralestine, The Ancient Blueprints of the Future Middle East, which was written by the same author. This updated version includes over 17 new chapters and appendices.

    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.

    This book is written in a simple manner for readers to understand the various terminologies and working process of the financial markets. If you are looking to understand and enter the stock markets but don't know from where to start, then this book is for you. The basic concepts are same for Indian and overseas markets so it will help you understanding both. It will help you as a reference guide for investing in stock markets. Specifically it will help you in:- 1. Know basic terms and conditions of the stock market. 2. Know products and services associated with the stock market. 3. Know how to kick start in stock markets. 4. know Do's and Don'ts in Stock Markets. 5. Selecting a broker. 6. How to make your first trade. 7. Additional mental mastering technique that will help you to achieve more on markets as well in life. 8. Insight of a trader/investor who has more than 10+ years of experience in stock markets. 9. Illustrated examples for more clarity on topics.

    Now, with this easy-to-follow, plain-English guide, you can explore the history, structure, and basic tenets of Islam's sacred scripture. The Koran For Dummies is for non-Muslims interested in the Koran as well as Muslims looking to deepen their understanding. Islamic scholar Sohaib Sultan provides a clear road map, revealing:The meaning of Koran and its basic message The Koran's place in history and in Islamic spiritual life Explanations of its language, structure, and narrative style How to live by the Koran's teachings The Koran's role in key global issues, such as Jihad vs. terrorism Different interpretations of the Koran No other book provides such a straightforward look at what the Koran says, how it says it, and how believers live according to its guidance. From how the Koran was received by Mohammed and how it was compiled to how it's interpreted by Islam's two main branches, you'll see how to put the Islamic faith in perspective.Plus, you'll discover:What the Koran really says about women and civil law How Islam relates to Judaism and Christianity The Koran's view of God, prophets, mankind, and the self How its teachings are lived and recited every day by devout Muslims Common misconceptions of the Koran How to raise a family the Koranic way Complete with lists of important passages, Koranic terminology, famous quotes, and further reading resources, The Koran For Dummies makes it easy and enjoyable for you to grasp the teachings and significance of Islam's holy book.

    A history of the evolution and ideals of Islam, with a life of the prophecy. Contents: Life and Ministry of the Prophet: Mohammed the prophet; Hegira; prophet at Medina; hostility of the Koreish and the Jews; invasion of Medina; prophets clemency; diffusion of the faith; year of deputations; fulfillment of the prophet's work; apostolical succession; Spirit of Islam: ideal of Islam; religious spirit of Islam; idea of future life in Islam; church militant of Islam; status of women in Islam; bondage in Islam; political spirit of Islam; political divisions and schisms of Islam; literary and scientific sprit of Islam; rationalistic and philosophical spirit of Islam; idealistic and mystical spirit in Islam.

    Evil is found in words such as force, compulsion, tax, violence, theft, censure, and politics. Notice that in such things, there is no joy. None have any value to humanity. This book defines the doctrine of liberty, and teaches you why choices that affect your life can only rightfully be made by you.

    Today, at nearly 50 years old, Sheri Rose is healthy and free. More than a half a million women have been set free through this life changing teaching.You can win this diet war once and for all! Sheri Rose Shepherd walks through each day with you, supporting you with 30 days of life changing devotions, heartwarming stories, creative cooking, and a daily dose of Scripture to keep you on track. The treasures of truth found in these pages will transform the way you see yourself forever.It's time to get your girlfriends together and become the best version of you! God loves you and will be with you every step of the way.

    Unfortunately, The Holy Spirit isn't the only spirit alive in between the walls. The Blanks are the first family of First Assembly. Pastor Edwin Blanks II (Junior) is the head pastor. Along with his brothers, sisters and Mama Eloise, First Assembly is run like a well-oiled machine. That is until a new family enters the picture. The Harlot family. Three identical triplets; Jezebel, Delilah, Tamar and the matriarch Lilith make themselves at home at First Assembly. Temptation seems to be lurking around every corner, and the members of the congregation seem to forget that what's done in the dark will soon come to the light. Be prepared to be shocked. Church Whore...

    In the first half of the 20th century, George Gurdjieff was an influential spiritual teacher in the West. With a striking manner and appearance, Gurdjieff attracted many fashionable and influential pupils, while the sources of his teachings remained mysterious. In addition to recounting thrilling adventures in the souks of Baghdad and Aleppo, this book provides striking and timeless advice to those interested in finding spirituality. Its appeal is far beyond that of one seeker in one era, but offers us information for today on how to evaluate different forms of teaching, how to study, and even some tantalizing information on the role of Jesus. "You are scrabbling about in the sand, attracted by pieces of mica to knit together and make a window, not realizing that the sand itself is capable of being transformed into the purest glass." --from The Teachers of Gurdjieff