This book includes true stories from families who have used Jill and Mark's techniques for living richly.

    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.

    

    Will she find the strength to manage operations and a new relationship? Nestled in the hills of the Lake Michigan shoreline, the ranch overlooks open fields and rich oak, maple and beech tree groves. It has been owned by the Katzen family for generations. Once a working ranch producing cattle and milking cows, it has now turned into a therapy ranch for a multitude of special populations. Living River Ranch is in turmoil with the sudden death of the patriarchal grandfather. Margaret is left as heir to keep the therapy ranch afloat for the many that depend on it for treatment and jobs. Having the responsibility of her brother weighs on her, yet provides strength in what she feels is God’s mission for the ranch. Noah, the ranch manager has known Margaret for years but only through a looking glass relationship that has until this point never crossed the friend boundary. Now having to work together on new ranch challenges, Margaret and Noah find themselves working much closer in other ways. A Time To Be Born and A Time To Die is the first book in the Living River Ranch contemporary Christian romance series. All books written in this series follow Ecclesiastes 3:18 “A Time For Everything” If you like a cleanly written romance series with fully developed characters that move through a series of books, you will love the A Time For Everything Series.

    

     In this book you’ll find: • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today • 2 questions you must answer before you invest another dime • Why investing after you retire is radically different from investing while you’re still working • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do • The 10 essential questions you must ask a financial advisor—before you hire one • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money “Thurman takes a subject that is often misunderstood, and provides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” –Jimmy J. Williams, CFP®, CPA/PFS CEO/President of Compass Capital Management, LLC “A must for anyone thinking of retiring or recently retired!” –Stan Toler, bestselling author of The Secret Blend

    Her latest book is filled with evidences of the Savior's unlimited love for us. Chapters on the power of prayer, trusting in the Lord, and the joy of living the gospel invite us to claim the blessings our Savior has in store for us and demonstrate how the Lord gives and gives until we are fuller than we ever would have thought possible.

    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.

    It is undoubtedly the most popular and common Marian devotion due to its simplicity, the ease with which it can be learnt and the profound and sublime character of its prayers and meditations.The Rosary has been variously described as “an epitome of the Old Testament,” “an abridgement of the New Testament,” “a compendium of the Gospel,” “the Breviary of the laity,” “the catechism of youth,” “a beautiful system of popular theology,” “an inexhaustible book of meditation for our greatest theologians” and “a whole badge of Christian piety.””Apart from the Eucharist and other Sacraments of the Church, the Rosary is probably the most powerful means of sanctification. It is a key to the most intimate knowledge of Jesus and Mary, and is an effective way to attain to the perfection of Christian charity.As Blessed Pope John Paul II pointed out in his great Apostolic Letter on the Rosary, Rosarium Virginis Mariae, published at the beginning of the Year of the Rosary in October 2002, “to recite the Rosary is nothing other than to contemplate with Mary the face of Christ.”As the title suggests, this book is a step-by-step guide to praying the Rosary. The layout of a standard Rosary bead set is imitated, so that each section of the Rosary begins on a new page. The active Table of Contents contains hyperlinks to every prayer in the book.The Introduction includes sections on the origins of the Rosary, the Rosary today, Our Lady's 15 promises, the prayers of the Rosary, and how to pray the Rosary. In addition to the complete Rosary, the book contains the Angelus, the Memorare of Saint Bernard, the Magnificat and the Thirty Days Prayer for obtaining graces, an Act of Consecration to Our Lady of the Most Holy Rosary, the Prayer to Saint Joseph for the October devotions, and the prayer to Saint Michael the Archangel.The Bibliography contains an extensive list of Papal Encyclicals related to the Rosary. Clicking on the title of an encyclical will open a web browser and take the reader directly to the official English text of the Encyclical on the Vatican web site.Interest in the Rosary has been rekindled since Blessed Pope John Paul II proposed the addition of a new decade comprised of the five 'Mysteries of Light' which he described as “a revelation of the Kingdom now present in the very person of Jesus.”In addition to the traditional Joyful, Sorrowful and Glorious Mysteries, the Luminous Mysteries (which have never been officially incorporated into the Rosary) have been included in this book for those who like to recite them.To supply a scriptural foundation and greater depth to the meditations on each mystery, suitable Bible passages are provided before the commencement of each decade.The Biblical texts chosen by the author refer not only to the subject-matter of the particular mystery, but also to the spiritual grace which the mystery is believed to confer. The spiritual grace is specified, as is the day on which the subject-matter of the mystery is commemorated by the Church.To give the user's meditation even further depth, and to help focus his or her attention on the mysteries of the Rosary, the beautiful woodcut engravings of Gustave Doré which were made for the English translation of the Bible of 1866 are included to illustrate the mysteries.As Sister Lucia of Fatima said, "There is no problem ... no matter how difficult it is, that we cannot resolve by the prayer of the Holy Rosary.

     Meditation is the way to develop your spirit man. It helps get our minds better prepared for prayer. We are better able to focus and worship God in spirit and in truth. As you meditate on God’s word, you help your spirit, soul, and body become more detached from the influences of the world; you detach your affections from what’s not necessary and re-channel them to the most important things of life. You open yourself up to divine encounters that will establish your destiny. When you “meditate” on God’s words, they become “His sayings.” That is, God begins to talk to you through them. The Holy Spirit amplifies the Words inside of you and gives you details that could have only come from God. You gain direction. This small booklet will show you: =>What is bible meditation? =>10 benefits of meditating on the word of God. =>The 7-step method for effective Bible meditation. =>Biblical meditation techniques. =>How to meditate and talk to God. =>How to meditate on the word of God daily. =>Meditate on God's word day and night scriptures. If you desire to grow in the knowledge of God and enrich your prayer life, then this book will certainly guide you on that path.

    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!

    

    The Trifecta Secret of Wealth & Abundance is an easy-to-follow guide that leads you straight to the life you are meant to live. Each of us has a special purpose, and learning our own unique truth opens us up to receiving the three things we most want and need in life: Health, Wealth, and Love. Many self-help books zero in on one area: how to get rich, or how to get fit, find love, or be happy. But they fall short of the mark simply because of their narrow focus. For, as The Trifecta Secret of Wealth & Abundance clearly illustrates, it is in achieving a balance of love, health, and money that true happiness and plenty are found. Avoiding the usual fluff, this book dives right into the heart of its message. It's straight to the point and offers up substantial information from the very first page to the very end. The truth is that the power lies within each one of us to create our own abundance. So, before we can achieve success in the outside world, we must begin by bringing balance to our inner world. Start your journey today.

    Doctors told him he had a dangerous blood clot in his leg—but Ivan didn’t pay much attention to that. He was 26 and felt fine; blood clots were a problem for his grandfather, not him. Until the clock ran out. Ivan Tuttle suddenly found himself dragged down to hell for a horrifying lesson in the reality of eternity. He was spared and even saw Heaven before being sent back to earth with quite a story to tell.

    Minimalist Budget will help you to turn your bloated expenses into a well-toned budget, spending on exactly what you need and nothing else. This book presents solutions for two major problems in our consumer society: (1) how to downsize your cravings without having to sacrifice the fun stuff, and (2) how to whip your finances into shape and follow a personalized budget. This is not a get rich quick book. But I can promise day-by-day, month-by-month, you’ll budget better and become richer as a consequence. Regardless of how much your income is we’ll find a way to budget, save, and increase your net worth. Since my youth, I’ve had to live on a budget that ranged from $100 to $200 a month if I was lucky. Even though I never knew how much I would have the next month, I was always able to have enough for my essential expenses, personal pleasures, and savings. If you’re tired of the false and impossible-to-follow promises of “finance gurus,” try out my simple, straightforward, easy-to-stick-to methods. Improve your spending habits: • Incorporate minimalism into your finances • How to avoid becoming a minimalist consumerist • Learn the psychological traps that make you overspend • Control your compulsive spending habits Feel financially secure every day: • Learn about two A-Z budgeting methods and how to make them work for you • Learn ratio-based budgeting and fixed-amount budgeting • Discover the best budgeting software programs • Design a bulletproof savings strategy to get out of debt, be prepared for emergencies, and set yourself up for retirement Stop hating your financial life: • Learn how to set SMART financial goals • Increase your self-confidence with budgeting • 50 small budgeting tips Financial education is not part of our educational system. It is normal that we don’t know how to budget when we step into the craziness we call adulthood. But it is not normal to stay ignorant about a field of life that (like it or not) guarantees our material survival. Money management is an essential skill for everybody who earns, shops or consumes. If you follow the budgeting tips in this book, you’ll be able to keep track of your finances. You’ll clearly know where your money goes, where it comes from and where can you save. You won’t feel stressed of running out of money unexpectedly, you’ll clear yourself out of debts and have savings for bigger expenses like a vacation, new car or unexpected events. Leave money struggles for yesterday. Grab a copy of Minimalist Budget by hitting buy now in the top right corner of this page.