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 features new revelations about high-profile, unsolved hits and the intricate relationships between known criminals and police officers at all levels. It delves into the current power struggle between opposing factions in Cape Town's security industry and the suspected involvement of state operatives in the bloody standoff.Wiener has gained exclusive access to and on-the-record interviews with key underworld characters and police generals accused of colluding with criminals. These have helped her track the parallel narrative of the capture of law-enforcement agencies and unravel how players with inexplicable political backing have been able to pillage secret slush funds and abuse organs of state for their own benefit.Against this backdrop, prominent underworld figures - Radovan Krejcir key among them - have been able to thrive, setting up elaborate networks with the assistance of police. While crime is flourishing, the top echelons of the police and prosecution have been at war with themselves.The proximity of politics, law enforcement and organised crime over the past decade is frighteningly intertwined. The story of the rise and reign of the Ministry of Crime winds its way from the depths of the underworld, via multiple mysterious unsolved murders, to senior politicians and the very top ranks of the country's police force.

    Emphasising the need for compassionate, relational responses to these often misunderstood young people, Betsy offers an array of practical strategies and insights to enable those responses, whilst conveying her core subject with confidence and clarity. An important, generous and timely publication.Louise Michelle Bombèr, Strategic Attachment Lead Teacher Therapist0600As a parent myself I have found this book to be such a useful tool. To have a basic understanding of how the brain works has given me greater confidence as a parent in handling my children calmly and remaining empathetic even when I don't always understand the reasons behind their behaviour. I value the comprehensible and practical tips that are listed in this book of how you can develop the connection and healing relationship with the child in your care. It's beautifully written with such profound insight that is essential for any caring person working with children.Dannii Gray, Parent0600This book is easy to read using plain, clear language - free of jargon. It has really helpful suggestions that could be used in both professional and home settings.Liz Hall, Parent and Police Child Protection Investigator and Trainer0600Simplifying and condensing the complex world of childhood trauma into tangible, easy to grasp terms, de Thierry shows her mastery of the field in this handy guide. Her conversational style translates the neuroscience of trauma into supportive, concrete steps that any helping adult can apply to the children in his or her life. Empathy for the reader and patience for these vulnerable youth are ever-present as de Thierry herself models the restorative power of relationships. Such a hopeful and comforting read!Kendra Morris-Jacobson, Oregon Post Adoption Resource Center (ORPARC)0600What this 'simple guide' does elegantly and quickly is bring a large amount of research - from psychology, social work, neuroscience, biochemistry and genetics - directly to the busy but interested professionals, parents and carers working in this field. It translates complex ideas into 'practice-rich' language for adults who need to understand the inner worlds of children, rather than simply explore their 'wishes and feelings'.From the foreword by Professor David Shemmings OBE0200Full of helpful information and advice, this is the perfect introduction to child trauma for any adult caring for or working with a child who has experienced trauma. It explains what trauma is, how it affects children and what adults can do to facilitate recovery.04001: Understanding trauma. 2: The impact of trauma. 3: Helping a child become calm. 4: Frustrating behaviour from traumatised children. 5: Key approaches to help children recover. 6: Important things to consider when offering support. 7: Getting your head around different therapies.01000301http://www.biblioimages.com/jkp/getim...

    No matter how much time he spends outside, it's never enough. Whether being thrashed by drill instructors at Parris Island or drenched by a squall in some high tundra, the same calming thought always prevailed: It’s good to be outside."Home is Forward" is much more than a collection of travel stories. As a prequel to "Where's the Next Shelter?" it answers the question of how someone can go from having a (somewhat) normal life to casting it all aside and wanting to go live in the woods. Hilarious, poetic and often thoughtful, "Home is Forward" is also a story about people. From ancient ruins to frozen volcanos, lessons are learned, friendships are forged, and on top of it all, love blooms. So if you yearn to visit far off lands, or simply love a well spun tale, you’re in the right place.

    In 1-2-3 Magic Teen, internationally renowned parenting expert Thomas W. Phelan explains how to better understand your teenager, which problems are not worth fighting over, and why your child's behavior likely matches the definition of a normal adolescent. With helpful, straightforward advice backed up by research and parent-tested strategies, 1-2-3 Magic Teen will help you establish a calmer, more respectful home and family life and show you how to guide your teenager into healthy, functional young adulthood. In this book, you'll find tools and advice tailored for the challenges of a teen lifestyle, including: Forgetting to do chores Absence in family outings Drop in grades Missed curfews Parties and drinking Work responsibilities

    PLUS BONUS CONTENT...Sensory in a Nutshell! Just a little bit more, but not too much to overwhelm you. This practical, daily application handbook is helping parents, teachers, and caregivers all over the world to understand sensory signals and cues from a child rather than jumping to the conclusion of behavior driven. This user friendly "go to" handbook is geared for daily use and as a quick sensory reference guide designed to work hand in hand with ASensoryLife.com, where you can find printable handouts, sensory how-to videos, sensory tools and equipment ideas and links, as well as a sensory ideas on a budget. Enjoy the simple, organized format to give you the essential and useful information to respond to the child's sensory needs right on the spot! The handbook provides simple every day sensory strategies and techniques to help ALL children; including SPD, autism spectrum disorders, ADD/ADHD, APD, and developmental disabilities. This handbook provides guidance and understanding as to why children do what they do in regards to unique sensory processing differences and needs. When you respect a child's sensory differences, it will change how you respond. Keep it Real. Keep it Simple. Keep it Sensory!

    But Property Management For Dummies will help you maintain your sense of humor - and your sanity - as you deal with these challenges and more. You may become an unintentional property owner - someone who inherited a house from a relative and didn't want it to sit idle, or someone who transferred to a job in another city and decided to rent your home rather than sell it - or you may have entered the world of property ownership intentionally. Either way, real estate offers one of the best opportunities to develop a steady stream of residual income.Property Management For Dummies is organized by specific topic areas, so you can easily and quickly scan a topic that interests you, or you can troubleshoot the source of your latest major headache. You'll discover how toEvaluate your skills and personality to see whether you have what it takes to be a landlord Keep your units occupied with paying tenants who don't destroy your property Move in your new tenants and move them out - and everything in between Assemble the right team of professionals to help you, from employees to contractors Insure your property and understand the taxes that go with it Look for additional sources of income beyond rent, including the opportunities and pitfalls of lease options While many of life's lessons can be uncovered by trial and error, property management shouldn't be one of them - the mistakes are too costly and the legal ramifications too severe. In this book, you'll find proven strategies to make rental property ownership and management not only profitable but pleasant as well.

    There is a better way.Calmer, Easier, Happier Parenting brings the joy back into family life and helps parents to raise confident, responsible adults. Based on her forty-plus years of experience, behavioral specialist Noël Janis-Norton outlines a clear, step-by-step plan that will help any parent raise a child who is cooperative and considerate, confident and self-reliant. Transform your family life with these five strategies: Descriptive Praise, Preparing for Success, Reflective Listening, Never Ask Twice and Rewards and Consequences. You’ll begin to see results almost immediately: • Kids start cooperating the first time you ask • Mornings, bedtimes, mealtimes and homework all become easier • Even very resistant kids start saying” yes” instead of “no” Full of examples and real stories from parents, this book gives you the complete tool-kit to achieve Calmer, Easier, Happier Parenting.

    It is our turn," writes Conrad Black in this scintillating manifesto for how Canada can achieve an exalted role in world affairs. For over 400 years we have toiled in the shadows of our potential and achieved an indifferent recognition among other nations. Chipper, patient, and courteous, we have pursued an improbable destiny as a splendid nation in the northern section of the new world, a demi-continent of relatively good and ably self-governing people, but most would agree we have neither developed a vivid national personality nor realized our true potential. Our main chance, writes Black, is now before us and it is not in the usual realms of military or economic dominance. With the rest of the West engaged in a sterile and platitudinous left-right tug of war, Canada has the opportunity to lead the advanced world to its next stage of development in the arts of government. By transforming itself into a controlled and sensible public policy laboratory, it can forge new solutions to the tiresome problems besetting welfare, education, health care, foreign policy, and other governmental sectors the world over, and make an enormous contribution to the welfare of mankind. Canada has no excuse not to lead in this field, argues Black, who offers nineteen visionary policy proposals of his own. "This is the destiny, and the vocation, Canada could have, not in the next century, but in the next five years of imaginative government.

    On the heels of the most recent economic crisis, America is headed toward another: high inflation and dollar devaluation. Charles Goyette reveals the governmental errors that led to the current economic crisis and the bumpy road ahead. The signs are clear: Federal debt is compounding while growth has stalled, and America's foreign creditors are questioning the dollar's reserve currency status. Meanwhile, the "hidden" federal debt, much larger than the official debt, makes things even worse. So what can you do to safeguard your assets when the dollar heads south? This book is the essential guide for protecting yourself--and even profiting--in this time of financial turbulence. In clear detail, Goyette explains the alternative investments--from gold and silver to oil and agriculture-- that will remain strong in the face of mounting inflation. The Dollar Meltdown gives you the tools to maintain the value of your savings and captilize on the coming opportunities. Don't get left holding the bag after decades of government irresponsibility. The Dollar Meltdown shows you how to take the safety of your finances into your own hands.

    He did not claim he was God’s agent. Did he believe in God? Did he look for a sign when he was desperate? Did he follow the Divine Will? Many believers are not followers; many followers are not believers. Is he a believer or a follower or both?

    This book explores the changes, physical and emotional, that any man can expect to see in his partner and in their relationship over the coming months. It takes a comical yet informed look at the ups and downs of life as a father to be.

    

    

    The test is multiple choice and the other study guides take you through the 452 possible questions including all four answers for each question. But, three of the four answers are WRONG! You are reading 1,356 wrong answers and that is both confusing and frustrating. The Easy Way is a concise explanation of every question and answer focusing on the right answers. There are also hints and cheats help you remember the correct answer. Which would you rather study: right answers or over 250 pages with three-quarters of the answers wrong? Instructors: This book is perfect for review or weekend courses. Have the students read the narrative before class, then go over the concepts with them rather than slogging through all those wrong answers. You'll be done in no time and the students will be fully prepared to take their tests.