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.

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.

    Everything that modern parents need to know about caring for babies in the first 6 months, including: step by step guidelines for getting babies on a routine hour by hour schedule at a glance; feeding instructions for breast, bottle, or both; what symptoms warrant a trip to the emergency room; how to get your baby to sleep all night so you can too; plus much more.

     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

    

    Incorporating a conversational, humorous tone throughout, Cheryl Lage provides a double dose of user-friendly suggestions, real-life advice, and heartfelt empathy.

    Goodman & Robert A. Spicer from an original story by George S. Clason ; illustrated by Joseph Feher.-WorldCat

    From MoneySense index investing expert Dan Bortolotti, plus a foreword by Editor Jonathan Chevreau.

    Toddler - the story of what happens when your little one is transformed from an innocent bundle of joy into a creature that walks, talks... and craps in a plastic bucket in the middle of your living room.Man vs Toddler exposes the lie that, that when it comes to parenting 'it gets easier'. But it is just as honest, foul-mouthed and heart-warming as Matt's first book, and will have you laughing and crying with recognition as he shares his observations and advice on everything from tantrums to the horrors of soft-play.

    Find all of the following, explained in plain-English with no legal jargon:Business Taxation 101: A brief primer on tax topics in general, especially as they apply to businesses.Home Office Deduction: How to ensure you qualify for it and how to calculate it.Estimated Tax payments: When and how to pay them, as well as an easy way to calculate each payment.Self-Employment Tax: What it is, why it exists, and how to calculate it.Business Retirement Plans: What the different types are, and which one is best for you.Numerous Business Deductions: Several deductions explained in detail, including how to make sure you can qualify to take them and how to maximize them.Audit Protection: Learn what records you need to keep (and how long to keep them) in order to protect yourself in case of an audit.

    We would all like to reach a stage where we are able to live off the income from our savings and investments. Sadly, only 5 out of every 100 people reach that stage. This highly accessible book is aimed at anyone who wants to learn how to make their first million in savings. The book provides real examples of ordinary people who have reached their financial goals and explains how you can do the same. It also provides practical ways of setting goals and keeping yourself motivated to achieve them, especially in tough times. How to Make Your First Million provides people from all walks of life with practical information on how to achieve financial freedom in a range of different ways and shows that it is possible for everyone to be financially free.

    Nor is it always easy to raise, care for, guide and teach a highly sensitive child. Because the highly sensitive child experiences the world a little differently, and that can be difficult to understand. This book aims to help you experience the world from the child’s perspective, so that you can better understand them and help them to grow and thrive. In this simple, concise guide I distil the reams of information available on the highly sensitive child so that you can get the knowledge you need quickly and easily. Philosopher Friedrich Nietzsche wrote: ‘And those who were seen dancing were thought to be crazy by those who could not hear the music.’ The highly sensitive child isn’t crazy. Nor are they slow, or weak, or just ‘not tough enough’. They simply dance to a tune that not everyone can hear. This book helps you hear the music to which the highly sensitive child dances. Once you know the tune exists, and you listen for it carefully, you’ll find it’s beautiful, moving, powerful music.This is what Elaine N. Aron, Ph.D. thought of the book. Elaine is the author of the worldwide bestsellers The Highly Sensitive Person and The Highly Sensitive Child she has pioneered the research into Highly Sensitive People.“As the author of this truly brilliant little book, Jamie Williamson explains that he is not an academic or a psychologist. I am simply a man who feels very passionately about the subject. He is highly sensitive and so is one of his daughters, and he writes about sensitivity with both simplicity and depth. His sensitivity also shows in his book’s briefness. Caregivers of children need an author to get to the point so they can go get groceries, pick up the kids etc. Jamie’s book can be read in an hour, yet it has charming examples as well as great suggestions and a full, scientifically accurate description of the trait. Jamie is reaching out to all parents, carers and teachers of sensitive children and whether through this book or on his website, he is a wonderful resource.” – Elaine N. Aron.

    Now the retail banking business model looks set to be transformed too. In Bye Bye Banks? James Haycock and Shane Richmond describe these startups, and to which areas of the banking industry they are laying siege. It shows that this assault is already well underway and that many incumbents are poised to be displaced, diminished and disintermediated. It draws on extensive research and on-and-off the record interviews with senior executives in some of the biggest banks. Haycock and Richmond conclude with the recommendation that traditional banks need to reinvent themselves by launching a ‘Beta Bank’: a lean, stand-alone organisation fit for the future for which they provide a ten-point operating model. This short book is a bold, urgent and timely analysis of the forces shaping the future of financial services. Its message to industry leaders in the sector could not be more simple: adapt or prepare to be disrupted. “This work accurately and concisely captures the effects of the disruption brought to the banking industry by the digital revolution. The comments by other banking and innovation professionals about their own experiences are particularly intriguing.” - Alessandro Hatami, former Innovation Executive at Lloyds Banking Group “James Haycock is a key voice for how the banking industry should and will change.” - Tom Hopkins, Product Innovation Director, Experian Consumer Services “If you are an incumbent retail bank, read it, get on with it, make it happen.” - Lee Sankey, former Group Design Director, Barclays

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

    I love being a dad. And I believe that being a dad is one of the most rewarding aspects of a man’s life. However, being a father can humble you like nothing else can. There really is no roadmap. With so few resources out there for dads like us, I decided to create The Dad’s Edge to help YOU as a dad to give you easy to implement techniques you can use to be your very best and enjoy your journey of fatherhood. The Dad’s Edge will help you: * Master work/life balance * Discover three techniques to improve and maintain a great connection with your kids * Improve the connection & intimacy with your spouse, no matter how busy you are * Improve your relationships outside the immediately family * Create positive relationships within the family* Uncover three easy ways to improve your patience short term and long term * Discover simple ways to show up big for your kids and be present in the moment* Thrive (Not Survive) your journey of fatherhood If you can identify with one or more of these issues, I understand first hand. Every one of us struggles with these issues on our dad journey and now I’ve empowered you with some great strategies and a solid roadmap in The Dad’s Edge so you can relax and feel confident you are “good dad focused” and nothing will stand in your way!