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.

    This includes further education, adult and community learning, work-based learning, the forces and offender learning and skills. It is easy to read with plenty of practical activities and examples throughout and the content is fully linked to the Teacher Training Standards. Please note: This book has since been updated to reflect the new title of the qualification: The Award in Education and Training.The qualification unit content contained in the appendices has since changed, and some legislation mentioned in the book has been updated.

    For the first 92 years, the 135-year-old party was headed by a Nehru-Gandhi family member for only 11 years, even though Nehru and Indira were collectively the PM of India for 28 years. Then things changed. Indira was the party president for seven consecutive years, and succeeded by her son Rajiv Gandhi for six years. After Rajiv’s assassination in 1991, PV Narasimha Rao was party president for five years. Sitaram Kesri was the next Congress president for 18 months. Enter Sonia Gandhi. Barring a 20-month period when her son Rahul held the post, she has been Congress president for 23 years. During her ‘reign’, the party has seen an average 31.6% decline in vote share and a 50.2% reduction in seats in the Lok Sabha. Due to her not allowing a proper election for the post of party president — as was the norm for the first 92 years — the Congress is collapsing. Ever since the Modi-led NDA routed the party in 2014, several Congressmen have been complaining about “lack of effective leadership.” Narendra Modi. Whether you admire him or belittle him, adore him or chastise him, praise him or ridicule him, love him or hate him, no Indian can pretend to ignore the man. Since September 2013, he has been the biggest newsmaker in India . On 15th August 2020, Modi became the longest-serving non-Congress PM of India. The first three chapters of this easy-to-read book are about Congress party’s corruption. The next three analyse the 2019 elections in great detail. Then, there is a chapter about the Left Front and one on the Congress’ performance in each state since Sonia became the chief. The next eight chapters are about Modi, his successes, his failures, and the work he has done in 80 months. The longest chapter, divided into 14 sections, details the successes and failures of India’s 14 prime ministers. “Is Congress Becoming Anti-India” and “Congress-Mukt Bharat” are the final two chapters. The Appendix lays out ‘Agenda 2024’ for India.

    As a result, snipers are regarded as the elite of their units and their skills command the ungrudging respect of their fellows - and the enemy. The Author is one such man who recently served a full tour of duty with 1st Battalion the Royal Anglian Regiment in Helmand Province, Afghanistan. James describes the highs and lows of almost daily front line action experienced by our soldiers deployed on active service in arguably the most dangerous area of the world. As part of the Battle Groups crack Mobile Operations Group, Jamess mission was to liquidate as many Taliban as possible. The reader experiences sniper tactics and actions, whether in ambush or quick pre-planned strikes, amid the ever present lethal danger of IEDs. His book, the first to be written by a trained sniper in Afghanistan, reveals the psychological pressures and awesome life-and-death responsibility of his role and, in particular, the deadly cat-and-mouse games with the enemy snipers intent on their own kills. These involved the clinical killing of targets at ranges of 1,000 meters or greater. Sniper in Helmand is a thrilling action-packed, yet very human, account of both front line service in the intense Afghanistan war and first-hand sniper action. Andy McNab inspired James to join the army and has written a moving foreword.

    Author Mick Minas goes behind the scenes-- interviewing players, coaches, and front office personnel--to create the first in-depth look at the history of the Clippers.The Curse is filled with drama: the unauthorized relocation of the franchise that led to the NBA filing a multi-million dollar lawsuit against the Clippers, the disruption of the team's first playoff appearance by the Los Angeles riots, the bold but unsuccessful attempt to sign Kobe Bryant at the peak of his career, and the scandal that ultimately resulted in owner Donald Sterling being banned from the NBA for life. Featuring some of basketball's biggest names, including World B. Free, Elgin Baylor, Danny Manning, Doc Rivers, Larry Brown, Dominique Wilkins, Elton Brand, Baron Davis, Blake Griffin, and Chris Paul, The Curse delves into the disasters of the past and the complications of the present. This is the definitive history of the NBA's most dysfunctional franchise.

    His profound and poetic speeches are famous around the world, evidence of the greatness of American’s most beloved leader. But did you know that the sixteenth president of the United States was also a backwoods hillbilly from America’s western frontier, with a Kentucky accent so thick you could cut it? Or that he liked wrestling matches, dirty jokes, and had a reputation for telling hilarious, R-rated stories that weren’t suitable for mixed company? From his childhood working as a virtual slave for an abusive father, to sailing a river raft to New Orleans, to the Illinois General Assembly, Congress, and the White House, the story of Abraham Lincoln’s life is the story of America. He mourned the deaths of almost everyone he loved, endured marriage to a wife whose mental health issues made her a domestic abuser, and lost more elections than he won. But Abraham Lincoln believed in one thing above all: that everyone deserved a fair shot at the American dream. Why did John Wilkes Booth really shoot Abraham Lincoln? The truth is as shocking now as it was in 1865.

    What they had in common was their aftermath -- each required compensation for lives lost, bodies maimed, livelihoods wrecked, economies and ecosystems upended. In each instance, an objective third party had to step up and dole out allocated funds: in each instance, Presidents, Attorneys General, and other public officials have asked Kenneth R. Feinberg to get the job done. In Who Gets What?, Feinberg reveals the deep thought that must go into each decision, not to mention the most important question that arises after a tragedy: why compensate at all? The result is a remarkably accessible discussion of the practical and philosophical problems of using money as a way to address wrongs and reflect individual worth.

    Companies are shutting down and laying off workers, 401ks are melting away, and the government is spending $700 billion dollars to bail out banks and financial institutions -- and that's only the beginning. The financial services industry, and the many industries that depend on it -- from housing to cars -- is in intensive care. So what happened? How did we get to this point of financial disaster? Is the economy just a huge, Madoff-esque Ponzi scheme? It is a complicated and confusing story -- but Daniel Gross of Newsweek has a special gift for making complicated matters easy to understand and even entertaining. In Dumb Money, he offers a guide to the debacle and to what the future may hold. This is not so much a book about who did what, though that's part of the story. Rather, it pieces together the building blocks of the debt-fueled economy, and distills the theory and personalities behind our late, lamented easy money culture. Dumb Money is a book that finally lays it all out in an engaging way, and might just help people invest their money smartly until the gloom passes.

    Account of the Philippine Revolution against Spain, and the Philippine-American War from the Filipino general and independence leader.

    Captain Shore’s enthusiasm for firearms and especially for rifles led him to take every possible opportunity to try out different weapons, ammunition and methods of shooting. His interest was combined with sound common sense, and he would never countenance a rumour about a particular weapon or incident unless he was able to confirm it for himself.As a result everything in this book is based on his personal experience. In World War II Captain Shore took part in the British landings at D-Day, and fought in Normandy and northern Europe. He came across many different weapons in varying condition, some of the worst being those used by the Dutch and Belgian resistance fighters. He was keen to learn from experienced snipers and then to train others, and he became an officer sniping instructor at the British Army of the Rhine Training Centre.He shares a wealth of first-hand knowledge of different rifles, pistols, machine guns, ammunition, telescopes, binoculars and all the equipment a sniper should carry. This is not only an account of sniping in World War II but also a guide to all aspects of sniping based on personal knowledge and experience in training and battle. Illustrated heavily with photos, pictures and other illustrations of snipers, their weapons and their tactics.

    Just sixty Royal Marines stood in the way of an armada of thousands, 8,000 miles from home and with no support. The story that followed was one of a shameful defeat and ignominious surrender. A story which has lasted for 35 years. Now, with first-hand accounts from the Royal Marines themselves, from the Argentine Marines who fought against them and from the people of Stanley who watched the battle rage on their very doorsteps, a new history has emerged. It is the story of an epic and heroic defence on a scale with Rorke's Drift; a story which neither the British nor the Argentine governments wanted told. It is a battle denied; the battle of Stanley, a battle which - we are told - never happened.

    Whether you were maturely young or immaturely old or a little bit of both, this book was written for you to understand that it is never too soon or too late to start your journey towards success.This is for the child you once were - when you believed everything was possible and nothing was out of reach; may this book be a leading factor in that child's rebirth.

     Were it not for the heroic efforts of the Q-ships, the naval war could have proven disastrous for the allies. Between 1914 and 1918, nearly 200 commercial vessels were transformed into armed decoy ships that lured U-boats into attacking them at close range before responding with their own deadly fire at the very last moment. From tramp steamers to sailing ships, from fishing boats to tugs, every type of ship was used in this great act of deception. The demands on the crews of these ships were immense – requiring supreme bravery, exceptional patience, a high degree of cunning and excellent seamanship. In this book, E. Keble Chatterton takes us through the story of these ships in an entertaining narrative, highlighting one of the lesser known aspects of World War One. Writing with narrative flair and a passion for the subject, Chatterton places the reader in the middle of the tense war for the Atlantic. Edward Keble Chatterton (1878-1944) was a sailor and prolific writer from Sheffield. His voyages across the English Channel, to the Netherlands, around the Mediterranean and through the French canals led to many articles and books. Joining the R.N.V.R. at the outbreak of WWI he commanded a motor launch flotilla, leaving the service in 1919 as a Lieutenant Commander. Between the wars his output included works about model ships, juvenile novels, and narrative histories of naval events; from 1939, his writing focused upon WWII.

    Anne Boleyn: ambitious upstart. Jane Seymour: virtuous mother. Anne of Cleves: Flanders Mare. Katherine Howard: adulterous whore. Katherine Parr: the one that got away. These are our lingering historical afterimages of the six women who married Henry VIII over the course of his thirty-six-year reign. At the age of 18, Henry succeeded to the English throne and married the Spanish princess who had briefly been the wife of his brother Arthur. Katherine of Aragon was both a virgin and a widow when the prince died at the age of fifteen, enabling Henry to marry her himself. Their marriage lasted sixteen contented years, until suddenly, Henry fell in love with Anne Boleyn and sundered England from Rome in order to keep her. But Henry VIII would not be satisfied even after he took Anne Boleyn for his wife. His vanity, his ego, and his desperate need for a male heir, led him to marry four more women during the last ten years of his life. In this book, you will read about the lives, loves, and secret passions of these women. Four of them died for Henry’s pleasure—but two escaped to tell their stories.

     In 1740, George Anson and his fleet set off to harass Spanish commerce in the Pacific and attack towns on the coasts of Chile and Peru. Four years later, over half the men had died and of the seven ships which left Portsmouth only the Centurion had completed its objective of attacking Spanish possessions around the globe. Although this journey came at the cost of numerous lives and ships, the Centurion had succeeded in capturing the biggest prize of all time, the Acapulco galleon. Captain Philip Saumarez kept a daily record of the voyage around the world in his four log books, which along with a wealth of letters and documents give brilliant insight into life aboard these ships. Leo Heaps has compiled and edited these manuscripts to provide a complete chronicle of the expedition which saw men decimated by scurvy, mutinies among marooned sailors, ships battered by mountainous waves around Cape Horn and eventual glory in the capture of the gold-laden Nuestra Señora de la Covadonga. Log of the Centurion is a unique account of a daring maritime expedition across the high seas of the globe in the mid-eighteenth century. “It is a tribute to her officers that she not only captured the greatest prize at sea, but that she returned at all.” Christopher Lloyd, former Professor of History at the Royal Naval College, Greenwich “It is an absorbing tale … The merit of this book lies in its realistic evocation of the mid-18th century. We have fine descriptions of China and the delicate negotiations conducted with the Manchus for supplies and repairs. Patagonia, Juan Fernandez (Crusoe’s island), Madeira, and other exotic places are vividly described.” Regis A. Courtemanche, History: Reviews of New Books