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.

    But how, exactly, do you find your purpose? And, once you find it, how can you be sure that it’s “safe” to follow that path in life? This book answers those two life-changing questions. Written as an inspirational fable in the style of previous Sports for the Soul books, Life to the Fullest reveals a powerful five-step process for finding your purpose while also dealing with the questions we all have about whether it’s “safe” to follow the dreams in our hearts. In a story that pays homage to the holiday classics, It’s a Wonderful Life and A Christmas Carol, John Callahan is a man who has spent his life listening to his heart and following his passion as a high school football coach just like his legendary father. But his dream life is suddenly being crushed. Just days before the state championship game, John receives news that his beloved school is declaring bankruptcy and will be shutting down at the end of the year. Everything John has worked his whole life for—his team, his community, his pension—is being taken away from him. John now finds himself angry at his long-deceased father for advising him to follow his heart and he’s angry at himself for not taking “better” opportunities when they came along. When all hope seems lost, John receives a miraculous visit from his father on the eve of his team’s final game. John is given the opportunity to revisit past moments in his life and to see how things would’ve turned out differently if he had chosen more “practical” opportunities. This is a story about fathers and sons. It’s a story about faith, family, and community. Most of all, it’s a story about having the courage to follow your heart and live your true purpose. As this story plays out, you will find the answers to two of life’s most important questions: How do I find my life’s purpose and is it safe to follow that purpose once I find it?

    I am blown away by the results I have achieved and the energy that I have felt. I'm happy too! I haven't felt genuinely giddy and happy in a while. I am so thankful to have found a program that works." —Brandi O. "When I tell you that FASTer Way changed my life, it CHANGED MY LIFE. When I look at my before photo, I see someone who was unhappy with herself, someone who hated taking pictures, someone who was always exhausted and couldn't figure out why! But the person I see now? She's happy! She's confident! She's full of energy! She's ready to take on her day! I'm never going back." —Deanna S. "I can now say that FASTer Way has saved my life and brought ME back!" —Kelly P.

    At 70,000 words and 450 pages, The Anxious Truth goes well beyond just telling that that you'll get better. It actually shows you exactly how! You're anxious all the time, experiencing panic attacks over and over, and maybe afraid to leave your house or to be left alone for even a few minutes. You are avoiding simple things like driving, eating in restaurants, attending family functions, or going to the supermarket. You are terrified of the next wave of anxiety or the next panic attack. Your anxiety problems are ruining your relationships, your family life, and your career. Your anxiety problems have you afraid, confused, lost, and feeling hopeless. How did you get here? What went wrong? You've tried so many things, but nothing has cured your anxiety? What can you do now?This book, written by a former anxiety sufferer, best-selling author of "An Anxiety Story", and host of The Anxious Truth podcast will walk you through exactly how you got to where you are today, why you are not broken or ill, and what the true nature of your anxiety disorder is. Next, the book will walk you through what it takes to solve your anxiety problems, how to make an anxiety recovery plan, then how to correctly execute that plan.The Anxious Truth isn't always what you want to hear, but it's what you NEED to hear in order to solve this problem once and for all and move toward the life you so desperately want. Based firmly on the principles of cognitive behavioral therapies that have been shown over decades to be most effective in treating anxiety problems, the Anxious Truth will teach you how to move past your anxiety symptoms, past endless digging for hidden "root causes", and into an action oriented plan that will help your brain un-learn the bad reaction and fear habits that have gotten you into this predicament. The Anxious Truth will take the cognitive mechanism that got you into a corner, throw it in reverse, and use it to your advantage, backing you out of this jam and into a life free from irrational fear and needless avoidance.More than just a book, The Anxious Truth goes hand-in-hand with The Anxious Truth podcast (theanxioustruth.com) and the growing and vibrant social media community surrounding it. Read the book, listen to five years worth of free podcasts chock full of helpful advice and information, and join a large online community of fellow anxiety sufferers that are done talking about this problem and ready to actually take action to solve it. Change is possible. No matter how long you've suffered with your anxiety issues, you can get better. The Anxious Truth will tell you what you need to hear and will arm you with the information, understanding, and skills you need to get the job done.Let's do this together!

    Positive mental programming takes time. It is not a quick fix, but with enough repetition, these statements will sink into the deeper layers of your mind and begin to become 100% true for you.

    Most people won't experience the same retirement that their parents did, nor do they necessarily want to. Page by page, top financial planner Mitch Anthony reveals how new opportunities will enable individuals to create tailor-made retirements. He includes new research and studies to back his insights and introduces readers to important concepts such as "wealthcare" and "return on life." Filled with engaging anecdotes and inspirational suggestions, this book will motivate readers to rethink the way they retire.

    It doesn’t matter if you’ve been married for 40 years or dating for 4 months, money touches every decision you make as a couple—from the $5 cup of coffee to the $50,000 car. And when the two of you don’t see eye-to-eye on how much to spend or how much to save, that’s when arguments turn into ugly toxic fights that leave both persons feeling hurt and angry. It’s why money has become the #1 cause of divorce in the U.S. Obviously, something needs to change. The reason this crisis has not been addressed is because it has never been identified, defined, or given a name. Scott and Bethany Palmer, aka “The Money Couple,” have identified and defined this problem and offer concrete solutions to fix it.Once you know your Money Personality, you can get to the root of money arguments and start really working together. You’ll discover what has an impact on your loved one’s money decisions, and you’ll learn how to talk about money in a way that’s actually fun! You’ll figure out how to put an end to money secrets and lies once and for all.It’s not just about money management, and it’s definitely not just about overcoming debt. It is a whole new way of living that will change everything in your relationship. Tens of thousands have already been transformed. Are you ready?

    In less than a year, he became one of the most recognizable figures on the platform he writes: Instagram (@farawaypoetry). In this book of selected poems and writings, Faraway takes the reader on a journey of discovery, with a message of hope running as the main artery through the pages. It fearlessly dives into the depths of the human condition, tackling topics such as new and old love, heartbreak, loss, anxiety, self-love, dreaming, and much more.

    In this unconventional guide, Sam R. Hamburg, Ph.D., explains how to eliminate the guesswork and pick the right romantic partner. Basing his findings on hundreds of cases in his twenty-five years as a marital therapist and thirty years in his own marriage, Dr. Hamburg shows that in the best unions partners are deeply compatible in all areas -- from sex to daily decision making to beliefs about life. With an innovative approach, Dr. Hamburg guides couples in understanding how compatible they are in each dimension and he empowers them to make important relationship decisions that are intellectually and emotionally informed. Written in a clear and direct style, Will Our Love Last? teaches couples at any stage of commitment how to avoid mistakes and find lasting love.

    Morgan's exquisite watercolors that summon the very sounds and scents of the ocean. Words of wisdom and peaceful images bring encouragement to those buffeted by life's storms.

     This book will start you on your journey to stop enabling. If you just can’t maintain boundaries with your adult child/children, and you find yourself constantly taken advantage of, then this book is for you. Discover the wealth of shared experience that can exist in a parent/adult child relationship that is not dominated by unrealistic expectations, manipulations and resentment. The goal is to empower you, as you understand the enabling cycle and then learn some very practical tools to help you stop. The enabling cycle can be challenged, and change will happen. Getting your power back in your life, and feeling the freedom of being in control of your decisions is an amazingly freeing process. It does however take work, and that is where this very practical book can get you started. You may find that your needs are constantly disregarded, while your adult child expects you to continually be there to pick up the pieces and rescue them again and again. It is time to learn HOW TO put firm boundaries in place in a calm and dignified manner. This book will help you see what lies are keeping you in your current stressful and unfulfilled situation. You will learn how to start the journey towards sharing a mutually fulfilling mature relationship with your adult child. Here Is A Preview Of What You'll Learn Understanding the Enabler or Rescuer How the Enabling Cycle Continues and Grows Boundaries Are Your Friend! Dignified Assertiveness The Importance of Individuation It’s Not Cruel To Say ‘No’! Changing Your Thinking (Cognitive Behavioral Therapy) Practical Steps For Putting Your New Thinking and Boundaries Into Action Take action right away to start your empowering journey today by downloading this book, "How To Stop Enabling Your Adult Children", for a limited time discount of only $0.99! Tags: enabling adult children, rescuing, relationships, parenting, boundaries, enabling, individuation, cognitive behavioural therapy, CBT, self-talk, healthy boundaries

    You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. “Can I retire?” This book will help answer that question by showing you…. The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security’s role in your retirement: when you should claim and how much it’s worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical retirement fuel gauge alerting you to problems while you still have time to act Backup plans: the lifeboat strategies for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later

    Her classic bestseller, Making the Most of Your Money, guided a generation toward smart and sensible financial choices. Here she strips away the extras, choosing the best financial ideas and products available today. They're all you need to create a successful and long-lasting financial plan. It's money management the No Worry way. To start with, she tells you to forget all the complicated stuff the financial industry sells. You don't need it, it costs too much, and some of it is downright bad. It's designed to make the banks, brokers, and insurance companies rich, not you. The best ideas (a super-short list!) are simple, low in cost, and easy to use. They're also sophisticated and smart. The strategies shown here are followed by some of the most successful planners and money managers around today, yet they're something everyone can understand. They'll give you what you need from your money -- regular savings, financial security, long-term investment growth, personal control, and best of all, peace of mind. Once you've set up a No Worry plan, you won't have to pay much attention to it. The choices you'll find here are all good ones. All you have to do is arrange for automatic payments and contributions and then get on with the rest of your busy life. You can focus your energies on your job, family, leisure, and friends, secure in the knowledge that your finances are okay. Here's what you'll do on the No Worry plan: Save more money without feeling pinchedGet rid of debt the automatic wayKeep yourself safe, with the right amount of insurance at the lowest costZero in on the right mortgage, every timePick the best college savings plan for your kidsUnderstand your finances, in ways you never did beforeFind the smartest and simplest ways of investing money, to earn superior returns over the long run The investment ideas alone will open your eyes to the newest strategies for accumulating wealth (without making big mistakes!). Jane Bryant Quinn will change the way you think about money. She has the answers busy people need.

    Author, educator, and School of Womanly Arts founder Regena Thomashauer has been working with women for the past 25 years, and what began as just a few women in her living room has since grown into a global movement with thousands of graduates worldwide.In her newest book, Pussy: A Reclamation, you’ll discover what no one taught you about the source of your feminine power and how to use it. It’s no secret that women today are still undervalued at home, at work, and in relationship. Too many of us are at war with our bodies and disconnected from our truth.See, we live in a culture that teaches us to turn off. To play small. To take care of everyone else first. To keep a lid on our dreams and a cork on our truth.This book is written to reacquaint a woman with her own power source—which is the part of herself she has been taught to ignore, push down, and despise. Indeed, the word that most viscerally sums up that power is, as Regena puts it, “arguably the most powerful pejorative word in the English language.” Like any expletive used effectively, the title of this book is meant to be a wake-up call. It is a reclamation, in a world that desperately requires the feminine.Here’s what you’ll learn:The key practices required to seek and speak your deepest truth, no matter whatHow to embody radical self-celebration, and why it will change your lifeHow to end the war with your body—and rather, see it for what it is: beautiful, sacred, powerful, and so, so worthy of approvalHow to trade depletion, obligation, overwork, and resentment for gratitude-filled, passionate contribution to our families, communities, and societyWhy a woman’s sensual awareness is critical for her spiritual, intellectual, and emotional healthWhat’s ahead on the next frontier of feminism—and how you can help make it happenAnd oh so much, much moreThis provocative, groundbreaking book brings forth a whole new paradigm for women, along with game-changing tools and practices to navigate any area of your life—relationships, career, body, confidence, sensuality, and more.By turns earthy and erudite, passionately argued and laugh-out-loud funny, Pussy delivers the tools and practices a woman requires to do and be whatever she wants in this life. It’s a call for her to tune in, turn on, and not drop out—but live more richly, fully, and lusciously than she ever thought she could.There’s a revolution afoot, and you’re invited.

    But that was before he discovered that there are billions of scholarship dollars out there for students with all types of interests, skills, and backgrounds. After winning enough college cash to cover virtually the entire cost of his dream school, he's written an indispensable guide that shows you how to stake your own scholarship claim.Now in this fully revised and updated edition, Ben distills his proven step-by-step game plan that positions you to win big money for college -- regardless of your age, GPA, financial situation, or family background. With humor and insight, he reveals insider secrets for successfully finding, applying for, and winning lucrative scholarship awards -- empowering you with the information, inspiration, and know-how to afford the college of your choice and realize your educational dreams.Special Note: As a valued reader of this book, you also receive access to the Coach's Locker Room at Ben Kaplan's ScholarshipCoach.com website. The Coach's Locker Room provides a wealth of bonus material, updates to information contained in How to Go to College Almost for Free, question and answer postings, and other helpful resources.