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.

    Now, James Scurlock engages, educates, and entertains readers with the captivating story of DHL co-founder and billionaire Larry Hillblom.King Larry begins with an early biography of Larry Lee Hillblom, a mercurial young man who grew up on a peach farm outside of Fresno, California. Hillblom co-founded DHL in 1969 (three years before FedEx), and it became the fastest-growing corporation in history. Hillblom’s expatriate life began in 1981, when he retreated to a small tax haven in the Western Pacific. There he led the resistance to American meddling in the Marianas Islands. Hillblom’s voracious appetite for underage prostitutes is another facet of his unusual story. In 1995, Hillblom’s amoral, thrill-seeking nature caught up to him when his seaplane disappeared off the coast of Anatahan, leaving behind an estate worth billions. Weeks later, five impoverished women and their attorneys came forward to challenge Hillblom’s will in a legal battle for his fortunes that continues to this day. Meticulously researched and thoroughly engaging, King Larry will satisfy fans of such bestsellers as Confessions of an Economic Hit Man and The Accidental Billionaires .

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    This helps to ensure proper metrics are developed so that organizations can successfully manage large and complex programs.

    Swiftly, the aliens take control of Britain’s cities and force the remainder of the British military to go on the run. With the government destroyed, the population must choose between fighting and collaborating with the alien overlords. This is truly Britain’s darkest hour. Caught up in these events are a handful of ordinary people, struggling to survive. The Prime Minister, forced into hiding, and an unscrupulous politician looking to find fame and power by serving the aliens. Soldiers fighting an insurgency and senior officers trying desperately to find the key to driving the aliens away from Earth; police officers faced with a choice between collaboration or watching the aliens brutalise the civilian population. And ordinary citizens, trying to survive a world turned upside down. But resistance seems futile and the aliens appear unstoppable – and the entire population is caught in the middle. As the alien grip tightens, the last best hope for freedom lies with those who will never surrender...and are prepared to pay any price for the liberation of Earth.

    

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    This book takes the view that business is an exciting process and that accounting is the perfect window through which to understand how economic events affect businesses.

    Free goal-setting/visualization guide and affirmation audio track included with purchase. Would you like to know the shortcut to achieving success and extreme happiness? In this life-changing book, you will learn the methods and techniques for creating dramatic, permanent change in your life. It took me many years of suffering and then many years of self-education to figure out the secrets of success and happiness, and now I'm thrilled to present to you this book that covers many of the strategies that I use to this day to help me achieve greater success and maintain my happy and optimistic attitude. How to Achieve Success and Happiness: Increase your mind power, overcome negativity, achieve your goals, and live your dreams in record time In this book, you will learn how to systematically adjust your mindset in order to create rapid change in your life and dramatically increase your levels of happiness. You will discover the step by step approach for manifesting all your desires, and you will also learn the common roadblocks to success so that you may avoid making mistakes along the way and accelerate your progress. Topics covered include: Subconscious programming Cultivating self-awareness Autosuggestion Visualization techniques Blocks to Abundance Eliminating stress Eliminating negative influences Increasing energy It is certainly possible for you to achieve success and live your dreams, and you can achieve your goals in much less time than you might think. Success starts from within. I learned that the hard way after having my life crumble before my eyes. I had to rebuild myself from within. Only when I learned to be happy did I start to see worldly success, and this book will describe exactly how I did that. You don't have to take the long path to success like I did. You can take the shortcut and begin realizing your wildest dreams faster than you could imagine.

    

    From unexpected office entanglements to finding love again after a harrowing loss, the one thing that doesn’t change is how hard each is willing to fight once he finds the woman he wants to make his forever. This special boxed collection includes three full novels—Your Irresistible Love, Your Captivating Love, and Your Forever Love—each with a delicious alpha hero oozing hotness from its pages. This boxed set from USA Today bestselling author Layla Hagen will make you swoon, sigh, and fan yourself as you fall helplessly in love and get totally addicted to the Bennetts. Grab your copy and start your binge read today!

    

    In the Kingdom of God, it is an inferior substitute for working by the supernatural power of God's grace. The purpose of Grace Over Grind is to challenge you, shift your thinking, and transform the way that you work so that you can glorify God and experience immeasurably more than you could ask or imagine in your business. With the same relatable teaching style and storytelling used in The Kingdom Driven Entrepreneur: Doing Business God's Way and Encountering God: A Devotional of the Kingdom Driven Entrepreneur, Shae Bynes provides scripture, testimonies, and application exercises to help you on your journey to receive God's best and have a greater Kingdom impact in your sphere of influence.

    In Investing In One Lesson, investment guru Mark Skousen clearly and convincingly reveals the reasons for the seemingly perverse, unpredictable nature of the stock market. Drawing upon his decades of experience as an investment advisor, writer, and professor, Dr. Skousen explains in one spirited, easy-to-follow lesson why stock prices fluctuate with such apparent irrationality. Lifting back the veil of perplexity and confusion that surrounds the workings of the stock market, Dr. Skousen explains:*Why good news for the economy is often bad news for the stock market*Why stocks of old, established companies in shrinking industries tend to be a better investment than shares in rapidly growing firms in cutting-edge fields*Why stock prices can suddenly skyrocket or collapse--regardless of market fundamentals*Why initial public offerings often enrich insiders at the expense of the majority of investors*How Wall Street is like a giant casino--and how it isn'tThe perfect investment primer, Investing In One Lesson provides an introduction to everything from day trading to contrary investing to chart-based techniques. Dr. Skousen's book concludes with a comprehensive but simple investment strategy to maximize your returns without having to dedicate countless hours to researching the market. Dr. Skousen packs his book with entertaining personal and professional anecdotes illustrating his central point--that the business of investing is not the same as investing in a business. He offers investors a wide-ranging but accessible course on investing history, psychology, and strategy--all in one lesson.

    While email can enhance your personal communication, it can also turn into a huge time sink. Let email control you and it could lead to: low productivity, stress, distraction and a lack of focus on important projects. The solution? Learn how to declutter your inbox and never again get overwhelmed by email. DISCOVER:: How the "Inbox Zero Habit" Can Stem the Tide of Email Whereas most books (and blog posts) recommend fancy technology for email management, this doesn't solve the root problem. It's kind of like a doctor focusing on the symptoms, not the disease. In order to do your best work in a peaceful, constructive manner, you need to develop a specific routine that focuses on email efficiency. Put simply: You need to develop a habit for processing email. In the book "Daily Inbox Zero", you will get a nine-step plan that helps clear the email clutter--no matter how many messages you receive on a daily basis. If you are someone who only spends 20 minutes managing email, the tips in this book will cut that time in half. On the other hand, if you are a high-powered executive who spends as much as three to four hours per day managing email, this book will help you discover a number of high-leverage habits that will increase your productivity. DOWNLOAD:: Daily Inbox Zero: 9 Proven Steps to Eliminate Email Overload "Declutter Your Inbox" contains a detailed blueprint of how to be productive while processing email. You will learn how to: Read and understand the six limiting beliefs about email. Write template responses and use software to handle common questions. Practice the "10 rules" of writing efficient emails. Organize your inbox by creating email filters. Use seven tools for managing an empty inbox. Create a central location for files that you typically send. Practice the 4 D’s when processing emails. Streamline all your inboxes into one (or two) locations. Develop seven habits for managing email. Don't become a slave to your inbox. You can get to inbox zero by creating a powerful routine for processing email. Would You Like To Know More? Download and take control of email today. Scroll to the top of the page and select the buy button.