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.

    

    The Trifecta Secret of Wealth & Abundance is an easy-to-follow guide that leads you straight to the life you are meant to live. Each of us has a special purpose, and learning our own unique truth opens us up to receiving the three things we most want and need in life: Health, Wealth, and Love. Many self-help books zero in on one area: how to get rich, or how to get fit, find love, or be happy. But they fall short of the mark simply because of their narrow focus. For, as The Trifecta Secret of Wealth & Abundance clearly illustrates, it is in achieving a balance of love, health, and money that true happiness and plenty are found. Avoiding the usual fluff, this book dives right into the heart of its message. It's straight to the point and offers up substantial information from the very first page to the very end. The truth is that the power lies within each one of us to create our own abundance. So, before we can achieve success in the outside world, we must begin by bringing balance to our inner world. Start your journey today.

    Too often we find that we aren’t able to control our lives, control the events that go on, or even control the people and how they act. But with Stoicism, we learn that we can control some things, such as our emotions and our reactions, and this can help to lead us to happiness.In this guidebook we are going to learn the basics of using Stoicism in your daily life and how this ancient philosophy is going to work to make you feel happier. Some of the things that we will talk about include: What is Stoicism Recognizing the things that are under your control How to conform to your own reality Understanding how your emotions work The importance of freedom of will. Learning how to be calm when there is adversity around Learning how to make the best of all situations How to use stoicism in order to make your life better How to use the process of neuroplasticity to change around your mind and how you react to things. How to use affirmations to help with stoicism Simple ideas to implement some of the stoic philosophy into your daily life. When you are ready to find the true happiness that belongs to you and bring some of the Stoic ideas into your life, make sure to read through this guidebook and learn just how great it can be to live the Stoic way of life. Grab your copy and start living the stoic life today.

    You understand the basics of investing and diversifying your portfolio. Now it's time to invest like a pro for greater profits--with investment expert David Stein, host of the popular weekly podcast, "Money for the Rest of Us." He's created a unique ten-question template that makes it easy for individual investors like you to:- Invest more confidently- Feel less overwhelmed- Build a stronger portfolio- Avoid costly mistakes- Plan and save for retirementDespite what many people believe, you don't need to be an expert to be a successful investor. With Stein as your personal money mentor, you'll learn how to make smarter, more informed decisions that can help reduce your risk and increase your gains by following a few simple rules for analyzing any investment. This is how the professionals grow their wealth and how you can, too. This is Money for the Rest of Us.

    Froeb/McCann's MANAGERIAL ECONOMICS: A PROBLEM SOLVING APPROACH, 2E covers traditional material using a problem-based pedagogy built around common business mistakes. Models are used sparingly, and then only to the extent that they help students figure out why mistakes are made, and how to fix them. This edition's succinct, fast-paced presentation and challenging, interactive applications place students in the role of a decision maker who has to identify mistakes that reduce profits, and propose solutions to bring profits back up. The lively book provides an excellent ongoing reference for students pursuing business careers. New chapters and updates highlight mistakes that precipitated the financial crisis. With MANAGERIAL ECONOMICS, 2E your students are taught to use economics to not only identify profitable decisions, but also how to implement them within an organization.

    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.

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.

    So what comes next? Growth will resume. But economic uncertainty will worsen, making what comes next not just a boom but a nerve-shattering SONIC BOOM. Gregg Easterbrook - who "writes nothing that is not brilliant" ("Chicago Tribune") - is a fount of unconventional wisdom, and over time, he is almost always proven right. Throughout 2008 and 2009, as the global economy was contracting and the experts were panicking, Easterbrook worked on a book saying prosperity is about to make its next big leap. Will he be right again? SONIC BOOM: Globalization at Mach Speed presents three basic insights. First, if you don't like globalization, brace yourself, because globalization has barely started. Easterbrook contends the world is about to become "far "more globally linked. Second, the next wave of global change will be primarily positive: economic prosperity, knowledge and freedom will increase more in the next 50 years than in all of human history to this point. But before you celebrate, Easterbrook further warns that the next phase of global change is going to drive us crazy. Most things will be good for most people - but nothing will seem certain for anyone. Each SONIC BOOM chapter is based on examples of cities around the world - in the United States, Europe, Russia, China, South America - that represent a significant Sonic Boom trend. With a terrific sense of humor, pitch-perfect reporting and clear, elegant prose, Easterbrook explains why economic recovery is on the horizon but why the next phase of global change will also give everyone one hell of a headache. "Forbes" calls Easterbrook "the best writer on complex topics in the United States" and SONIC BOOM will show you why.

     So many board members—especially of small nonprofits—want to support a nonprofit and readily accept the invitation to join the board. It’s only then that they discover they are in over their heads, with no idea of their expectations and responsibilities. The Little Book of Boards is here to throw that drowning board member a rope. Told with a conversational style, this book will lead you through the basics of being on a board, how meetings work, and what’s expected between meetings. In addition, at the back of the book are several in-depth resources for understanding Roberts Rules of Order, bylaws, committee structures, board leadership, and much more. Perfect for any new board member—or for an entire board that is feeling lost—this book and its common sense approach will serve you every year you are on the board.

    Google's AdWords platform enables you to create pay-per-click advertisements that appear as 'sponsored links' when someone searches for content related to your product or service. You bid for the position to place your ad, and you only pay when someone clicks. It's that simple. If used correctly, AdWords can garner higher targeted traffic, which in turn will increase your conversion rates and profits. So, AdWords will definitely help your business, but you have no idea how to utilize them. What should you do? Take a couple of hours to read this book. Google AdWords for Beginners is designed to teach you the fundamentals of AdWords, how it works, why it works, and the proven techniques that you can use to make it work for you and your business. Additionally, this book details an eight-step blueprint that has consistently delivered positive results for companies. Upon completion, you'll be armed with the knowledge to launch profitable campaigns or drastically improve an existing one.

    This guide has practical tips such as: -Start at the back of the park to avoid crowds -Plan your visit for January or September for lower prices -Wait at Hollywood Studios to meet characters you might not otherwise see -How to use special offer codes for discounts You’ll learn how to do Disney right—without spending the whole day in line and without going over your budget!

    She entered Ah-gwah-ching State Sanatorium at Walker, Minnesota, for what she thought would be a short stay. In January, her tuberculosis spread, and she nearly died. Her recovery required many months of bed rest and medical care.Marilyn loved to write, and the story of her three-year residency at the sanatorium is preserved in hundreds of letters that she mailed back home to her parents, who could visit her only occasionally and whom she missed terribly. The letters functioned as a diary in which Marilyn articulately and candidly recorded her reactions to roommates, medical treatments, Native American nurses, and boredom. She also offers readers the singular perspective of a bed-bound teenager, gossiping about boys, requesting pretty new pajamas, and enjoying Friday evening popcorn parties with other patients.Selections from this cache of letters are woven into an informative narrative that explores the practices and culture of a midcentury tuberculosis sanatorium and fills in long-forgotten details gleaned from recent conversations with Marilyn, who "graduated" from the sanatorium and went on to lead a full, productive life.