We all are connected. Are you a dreamer? Do you dream to be a successful person? Do you know sometimes the pursuit of monetary success could take you away from you? Have you felt the pain of separation from your loved ones? Have you felt lost some point in your life? This is a story about two people who lose the real treasures of their life in the pursuit of materialistic success and gratification. Gautam changes his life by following his dreams. But along the way, his life transforms into a living nightmare that he resolves to finish. Diksha is a young, brilliant, and headstrong person. Her dedication to be a perfect and sincere daughter, student, and employee turns her into an automaton. When both of them lose their last hope, something inexplicable happens in their life, which eventually sets them on the path of Sanyas. Can you give up your vain success to build an ever-lasting peace and tranquility within you? Can you stand tall and fight back your fears? Can you be a Sanyasi? Gear up to experience a mystical adventure! It’s a story about dreams, relationships, betrayal, courage, separation, and repentance. About the Author: Khemlata Negi is a novelist, poet, and educationist based in Chandigarh, India. Her first novel Hope: the journey to life was published in the year 2016. She has also written a collection of poetry Seasons of life and a book on yoga asana Stay Healthy. She loves reading, travelling, photography, yoga, and spending time in nature. She believes storytelling is one of the most effective methods to inspire and move the masses.

    What makes Bitcoin so special? What sets Bitcoin apart from every other monetary asset that preceded it? What is a monetary asset in the first place? What is money? What is inflation? Who benefits from it? What is scarcity? Is Bitcoin's mining process wasteful? Is Bitcoin a religion or a rejection of religious beliefs? All of this and more, inside.

     Leverage on great companies, churning more and more profits every year

    Financial & Accounting jargon is used only where it is required and they are well explained.This book will enable you take business decisions with financial prudence.

    Since the U.S. abandoned a gold-linked dollar more than four decades ago, the world's governments have slid into a dangerous ignorance of the fundamental monetary principles that guided the world's most successful economies for centuries. Today's wrong-headed monetary policies are now setting the stage for a new global economic and social catastrophe that could rival the recent financial crisis and even the horrors of the 1930s. Coauthored by Steve Forbes, one of the world's leading experts on finance, Money shows you why that doesn't need to happen--and how to prevent it.After reading this entertaining and hugely well-informed book, you will know more about money than most people in the highest government positions today. Money explains why a return to sound money is absolutely essential if the U.S. and other nations are ever to overcome today's problems. Stable money, Steve Forbes and Elizabeth Ames argue, is the only way to a true recovery and a stable and prosperous economy.Today's system of fluctuating fiat money, in which governments manipulate the value of the dollar and other currencies, has been responsible for the biggest economic failures of recent decades, including the 2008 financial crisis, from whose effects we continue to suffer. The Obama/Bernanke/Yellen Federal Reserve and its unstable dollar policies are accelerating our course toward disaster, the authors show, in numerous convincing examples. In Money, Forbes and Ames answer these crucial questions: What is the difference between money and value?What is real wealth?How does sound money contribute to a well-functioning society?How have our money policy errors led to the current problems in global financial markets?What can we do now to reestablish the strength of the dollar and other currencies? The authors argue that the most effective way to return to a sound money policy and a healthy economy is to put the dollar back on a gold standard, and they outline the several different forms a gold standard could take. They also share invaluable suggestions for how to preserve our wealth and where to invest our money.Money is essential reading for anyone interested in this crucially important subject.

    

    Erin recounts her path of achievement starting as a promising young student and athlete and, ultimately, how she allowed her career and its demands to become the center of her life. She sacrificed all other priorities and relationships along the way, throwing work-life balance to the wind. The story reveals the subtleties of the everyday decisions that led collectively to a work-centric existence over a twenty-year career. Set against the backdrop of the dramatic circumstances at Lehman Brothers in 2008, Erin discloses her own struggle as events spiraled out of control. Ultimately, her resignation from her executive role prior to the Lehman bankruptcy resulted in a devastating personal crisis as her career crumbled revealing no foundation beneath it. We learn of the journey back to change her life with a semblance of present day peace and happiness. Full Circle provides a unique inside and emotional perspective of the sacrifices Erin made to achieve extreme career success and the self-awareness required to return to being the fundamentally grounded person she was as a child.

     In this enormously entertaining first novel, a lovable, stressed-out guy nicknamed Mumbles tells the story of how he and his cohorts not only struggle to survive corporate purgatory, but also find satisfying ways to strike back at the system. Fueled by a constant flow of Starbucks coffee, Mumbles and his friends take on such tasks as secretly filming a despised colleague's boardroom romp with an assistant, creating footage they plan to broadcast at the company's holiday party. But true gratification comes only when they actually start standing up to the bank's evil minions, those who have no qualms about piling on a weekend's worth of work on a Friday afternoon. With sharp comedy, episodes of inspired hijinks, and its glimpse into a world of fleeting elevator romances and not-so-infrequent nervous breakdowns, Bank is a touching and lively novel that is, at its heart, about figuring out what really matters in life.

    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.

    You’re thirteen now. I was eight when I got married. You’ll never look this beautiful ever again.”“I will Ammi, when I wear a school uniform.”If you like thrillers, this micro tale is for you-I always assumed that my neighbour’s daughter knew the word ‘Eight’ only until my dog went missing and she said ‘Nine’.And if you like six-word stories, this tale is for you-Woke up in hospital. Failed again.In fact, there are 100 such small tales that will have a big impact on you.So what are you waiting for? Scroll to the top of this page, buy the book and start reading today.Rafaa's micro tales are absolute gems. The journey is short but its impact is everlasting. This one deserves to be read by all.Sanhita BaruahAuthor of ‘The Art of Grieving’ and ‘The Art of Letting Go’Are you interested in unconventional storytelling? How about a story where the beginning, middle and the end are on the same page? A narrative that makes you frown on page 1, nod in agreement on page 2 and chuckle on page 3?How about reading short fiction then? I highly recommend Small is Big by Rafaa Dalvi. The long and short of fiction in endearing small portions!Rickie KhoslaAuthor of ‘The Imperative Subterfuge’ and ‘Pretty Vile Girl’The book has something for everyone. It has humor – a few of slap stick variety, playing on puns, it has punch where you get a most unexpected twist, it has philosophy, it has romance and it has horror – stories that chill your spine.T.F. CarthickAuthor of ‘Carthick’s Unfairy Tales’ and ‘More Unfairy Tales’About the Author:Rafaa Dalvi tries to escape from the mundane with words and contemplates about befriending the voices in his head. He dreams about changing the world, one smile at a time.Already published numerous times, his stories can be read in the anthologies – Curtain Call (editor), Kaleidoscope, Myriad Tales, and many more. He has also written three volumes of ‘Small is Big’, which is a collection of 100 micro tales. He’s the recipient of Indian Bloggers League Booker Prize 2013.

    Adam Bascom trips over a body in Gressington churchyard, he never imagines it will change the whole direction of his life. As a recently-qualified physician trying to establish a practice in a small market town in north Norfolk, Adam should be devoting all his energy to his business. But it soon becomes clear that the authorities are intent on making sure the death is accepted as an accident and refuse any deeper investigation. Adam’s curiosity and sense of justice cannot accept this. He knows there are many unanswered questions about the death, but he has no standing that would allow him to become involved formally. Instead, he uses friends, old and new, unexpected contacts and even his own mother to help him get to the truth. Set against the turbulence of late-Georgian England, a country on the brink of war with Revolutionary France, the book reveals a land where spies keep constant watch on everyone the government deems ‘undesirable’, religion is polarised between the established church and a mass of dissenting sects, and the perennial ‘Irish question’ has at last spilled over into outright terrorism. Bad weather, poor harvests and enclosure have driven many people in the countryside into abject poverty. Only the smugglers along the coast offer regular and highly-paid ‘work’ helping to unload contraband. Yet here too, the Revenue’s Riding Officers, backed up by troops of dragoons, are waging an increasingly successful campaign to stamp out the major gangs. Adam must thread his way through all of this, encountering many new demands along the way, from a family torn apart by religious bigotry, and a teenage thief turned informer, to a secret section of The Alien Office, a government department dedicated to keeping a close eye on anyone likely to prove a threat to the realm. As he becomes more and more essential to the government’s efforts to combat internal dissension and prepare for war, Adam finds he must draw on all his medical and personal skills to bring the case to a successful conclusion.

    On a tight budget, she’s thrilled to discover a charming fixer-upper and jumps to make an offer. But it isn’t until after she’s signed the paperwork that she learns there’s more to the foreclosure than a few loose floorboards… Annette Best owns Best on the Block realty, but the business is struggling. Then a new face comes to town, and Annette sees an opportunity to save her company… as long as no one finds out about the history of Apple Hill Lane.Judith Banks is freshly single but too fed up to date. Or so she thinks. Then a new neighbor moves in on her street, and brings with her a team of pros–electricians and plumbers and all the sorts of men Judith never expected to find attractive. Soon enough, she’s drawn to one particular worker, someone who happens to know about the house’s storied history.Beverly Castle had it all. Now she’s lost it all, and the only thing keeping her going is her job with the Harbor Herald. She needs something else: a good friend. When the arrival of a new neighbor inspires her to investigate, she finds that she isn’t the only one curious about the house on Apple Hill… or the woman who now lives there.If you enjoyed the Birch Harbor series, you will fall in love with Harbor Hills, a Birch Harbor spinoff. Romance, secrets and mystery, family ties and female friendships abound in this heartwarming saga about four women who find friendship right next door.

    Her new life is strange and confusing and sometimes frightening. Amanda can barely understand Arabic and the treatment of the women of the family seems wrong to a girl raised in Wales. To add to her problems, Mohammed proves to be verbally and physically abusive - especially once they have their own flat away from the protection of the wider family. Somehow Amanda must escape, but not without her children.

    

    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.