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.

    With expectations at an all-time high, his players have lost their will to win and their passion for the game; none of Coach Rocker’s tried and true motivational methods are working, and he doesn’t know why.As the season continues to spiral downward and his home life begins to mirror the problems he’s facing on the court, Coach Rocker stumbles upon a most unlikely mentor— Joe Taylor, the school’s janitor, who seems to have the answers to all of the Coach’s problems.

    Part 1 is about the purpose and importance of having principles in general, having nothing to do with mine. Part 2 explains my most fundamental life principles that apply to everything I do. Part 3, explains my management principles as they are being lived out at Bridgewater. Since my management principles are simply my most fundamental life principles applied to management, reading Part 2 will help you to better understand Part 3, but it’s not required—you can go directly to Part 3 to see what my management principles are and how Bridgewater has been run. One day I’d like to write a Part 4 on my investment principles. If you are looking to get the most bang for your buck (i.e., understanding for the effort), I suggest that you read Parts 1 and 2, and the beginning of Part 3 (through the Summary and Table of Principles) which will give you nearly the whole picture. It’s only about 55 pages of a normal size book. Above all else, I want you to think for yourself—to decide 1) what you want, 2) what is true and 3) what to do about it. I want you to do that in a clear-headed thoughtful way, so that you get what you want. I wrote this book to help you do that. I am going to ask only two things of you—1) that you be open-minded and 2) that you honestly answer some questions about what you want, what is true and what you want to do about it. If you do these things, I believe that you will get a lot out of this book. If you can’t do these things, you should reflect on why that is, because you probably have discovered one of your greatest impediments to getting what you want out of life.

    "Why do I behave and think like this?"If you have asked this question of yourself, or have simply wondered where human behaviour springs from, you will find this short introduction to the Ego States an essential and empowering tool.In this short, jargon free introduction to the ego states of Transactional Analysis, the reader is invited to analyse where their behaviour springs from, and to consider how they can improve their life by deepening their self awareness.

    

    What started as a bet about whether great traders were born or made became a legendary trading experiment that, until now, has never been told in its entirety.Way of the Turtle reveals, for the first time, the reasons for the success of the secretive trading system used by the group known as the "Turtles." Top-earning Turtle Curtis Faith lays bare the entire experiment, explaining how it was possible for Dennis and Eckhardt to recruit 23 ordinary people from all walks of life and train them to be extraordinary traders in just two weeks.Only nineteen years old at the time-the youngest Turtle by far-Faith traded the largest account, making more than $30 million in just over four years. He takes you behind the scenes of the Turtle selection process and behind closed doors where the Turtles learned the lucrative trading strategies that enabled them to earn an average return of over 80 percent per year and profits of more than $100 million. You'll discoverHow the Turtles made money-the principles that guided their trading and the step-by-step methods they followedWhy, even though they used the same approach, some Turtles were more successful than othersHow to look beyond the rules as the Turtles implemented them to find core strategies that work for any tradable marketHow to apply the Turtle Way to your own trades-and in your own lifeWays to diversify your trading and limit your exposure to riskOffering his unique perspective on the experience, Faith explains why the Turtle Way works in modern markets, and shares hard-earned wisdom on taking risks, choosing your own path, and learning from your mistakes.

    Grab it while it's practically FREE.Thanks to your support, "How to Master Lucid Dreaming" became a #1 Bestseller in 6 different categories including: Spirituality, Personal Growth, Self-Help. You're missing out on an ABSOLUTELY INCREDIBLE part of your life. It's time to change that. There are a ridiculous amount of techniques online for lucid dreaming. Too many. Enough to overwhelm any beginner and annoy any expert. This book is a journey into mastery of lucid dreaming. No more trying random techniques from forums. It's time to build a sustainable practice and delve into the depths of your consciousness.I've helped thousands of people with lucid dreaming over the past 9 years. It's your turn. What's Included in the Book - The Biggest Obstacle to Lucid Dreaming and How to Overcome It- How to Achieve Anything You Set Your Mind To- How to Use Your Mind as a Rocket Booster Instead of Dead Weight- How to Remember More of Your Life With a Stupidly Simple Practice- The Forgotten Jewel of a Hidden Type of Memory- Why You've Been Doing Reality Checks Completely Wrong (and totally wasting your time)- How to Completely Let Go of Your Stressful Day- How Not To Waste Time With Lucid Dreaming Techniques- The 5 Things Every Good Lucid Dreaming Technique Has in Common- 5 Steps to Mastering Your TechniqueIf you just want to experience lucid dreaming once, then move on, this book isn't for you. But if you want to master lucid dreaming and be able to experience it any time you want, get this book. What are the Benefits of Lucid Dreaming? - Deep personal and spiritual exploration into the nature of consciousness and who you really are- Receive life-changing information from your subconscious- Artistic and creative Inspiration (imagine composing music while flying in the sky with rainbow colored sound streaming all around you...)- Wipe away years of minor depression- FUN! Fun! FUN! Tons of fun- Overcome fears that are holding you back in life- Explore different realms that you'll suddenly have access to- Heal emotional traumas through interacting directly with your subconscious mind- Overcome nasty nightmares that leave you feeling crappy in the morning- Add more hours of actually being ALIVE every day- Shift your entire perspective on life, reality, consciousness and what it's all about- Soar like a bird in the sky, feeling the wind against your skin (one of the most amazing experiences ever) What people are saying about the book "I'm on day 3 of the program today and had my first lucid dream last night! Thank you sooooo much for this book, I am loooving it and soo excited about my own lucid journey!"- Jess Webb"I’ve got LaBerge’s course, Lucid Dreaming Secrets Unveiled by Darius Thomas, Robert Waggoner’s Lucid Dream Workshop, etc. etc...

    In this life-changing little book, entrepreneur and inspirational speaker Keith Cameron Smith shows you how to think like a millionaire and reap the benefits of a millionaire mindset. The key to moving beyond the middle class and up the economic ladder is mastering ten vital principles, including• Millionaires think long-term. The middle class thinks short-term. Create a clear vision of the life you desire, and focus on it.• Millionaires talk about ideas. The middle class talks about things and other people. Ask some positive “what if” questions every day, and bounce ideas off successful people who will be honest with you.• Millionaires work for profits. The middle class works for wages. Take calculated risks and learn to take advantage of good opportunities.We all want to improve our financial position. In this inspirational and practical guide filled with savvy and sensible advice, Smith upgrades you from coach to first class. So follow these principles, transform your life, and realize your dreams!

    One was mathematician Claude Shannon, neurotic father of our digital age, whose genius is ranked with Einstein's. The other was John L. Kelly Jr., a Texas-born, gun-toting physicist. Together they applied the science of information theory—the basis of computers and the Internet—to the problem of making as much money as possible, as fast as possible.Shannon and MIT mathematician Edward O. Thorp took the "Kelly formula" to Las Vegas. It worked. They realized that there was even more money to be made in the stock market. Thorp used the Kelly system with his phenomenonally successful hedge fund, Princeton-Newport Partners. Shannon became a successful investor, too, topping even Warren Buffett's rate of return. Fortune's Formula traces how the Kelly formula sparked controversy even as it made fortunes at racetracks, casinos, and trading desks. It reveals the dark side of this alluring scheme, which is founded on exploiting an insider's edge.Shannon believed it was possible for a smart investor to beat the market—and Fortune's Formula will convince you that he was right.

    Traditional, effective and fast to implement, these 9 habits change the way you live instantly. A "must have" book that challenges all the rules of the game and establishes a new approach towards life. This smooth and short read, with each habit supported by scientific facts, changes your life with the breath-taking and real life daily secrets of the billionaire!

    You know tilt costs you money, but do you know how to make it go away? You know position is important, but do you really know how to profit from that knowledge? Elements of Poker is the distilled wisdom of a master. Published in 2007, this book is praised by poker pros worldwide as a timeless classic.

    The original and bestselling 2000 edition of Irrational Exuberance evoked Alan Greenspan’s infamous 1996 use of that phrase to explain the alternately soaring and declining stock market. It predicted the collapse of the tech stock bubble through an analysis of the structural, cultural, and psychological factors behind levels of price growth not reflected in any other sector of the economy. In the second edition (2005), Shiller folded real estate into his analysis of market volatility, marshalling evidence that housing prices were dangerously inflated as well, a bubble that could soon burst, leading to a “string of bankruptcies” and a “worldwide recession.” That indeed came to pass, with consequences that the 2009 preface to this edition deals with. Irrational Exuberance is more than ever a cogent, chilling, and astonishingly far-seeing analytical work that no one with any money in any market anywhere can afford not to read–and heed.

    Discover the PowerOf Better NegotiatingNegotiation is one skill everyone needs in order to get more of what they want -- to sell more, to keep costs down, to manage better, to strengthen relationships -- to win! Thomas shows you exactly how the best negotiators reach long-lasting positive solutions that build profits, performance, and relationships.This indispensable guide covers all you'll ever need to know about negotiating, including:The 21 rules of successful negotiating -- and how to defend against them!"Quickies" -- specific tips on how to successfully negotiate with bosses, children, car dealers, contractors, auto mechanics, and many othersWhy Americans are among the worst negotiators on EarthHow to overcome your natural reluctance to bargainWhy win-win negotiating is so vitalHow to thoroughly prepare for your negotiationsHow to deal with counterparts who intimidate or harass youHow to negotiate ethically -- and deal with those who don'tHow to negotiate more successfully across cultural linesThomas's Truisms -- 50 memorable negotiating maxims The psychology of negotiating, historical illustrations, day-to-day applications, and much, much more!

    Growth investing is a fundamentally different style that seeks to identify tomorrow's great business successes. Learn the ins and outs, and the pros and cons, of these basic investment styles.

    Mandelbrot, one of the century's most influential mathematicians, is world-famous for making mathematical sense of a fact everybody knows but that geometers from Euclid on down had never assimilated: Clouds are not round, mountains are not cones, coastlines are not smooth. To these classic lines we can now add another example: Markets are not the safe bet your broker may claim. In his first book for a general audience, Mandelbrot, with co-author Richard L. Hudson, shows how the dominant way of thinking about the behavior of markets-a set of mathematical assumptions a century old and still learned by every MBA and financier in the world-simply does not work. As he did for the physical world in his classic The Fractal Geometry of Nature, Mandelbrot here uses fractal geometry to propose a new, more accurate way of describing market behavior. The complex gyrations of IBM's stock price and the dollar-euro exchange rate can now be reduced to straightforward formulae that yield a far better model of how risky they are. With his fractal tools, Mandelbrot has gotten to the bottom of how financial markets really work, and in doing so, he describes the volatile, dangerous (and strangely beautiful) properties that financial experts have never before accounted for. The result is no less than the foundation for a new science of finance.