It captures their key beliefs, explores their backgrounds, assesses their thinking and evaluates their legacy. It explains the schools of thought named after them and clearly shows how they influence our everyday lives.

    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.

    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.

    In this book I have set out prove that statement is completely untrue and in fact with customers like these then maybe the opposite could be said. So sit back, grab your self a drink perhaps an alcoholic one if you feel that way inclined and enjoy some of the strangest, ridiculous and most outrageous complaints and statements from all walks of life. The second volume is out now and is much longer and in my opinion even better than the first, though i would say that.

    Mary was found guilty of manslaughter due to diminished responsibility and was sentenced to 'detention' for life. What would induce a young child to murder two other young children? In this short book, Sylvia Perrini, looks at Mary’s tragic life, her years in prison and life since prison. This short book follows in the tradition of great true crime writers such as Ann Rule, M. William Phelps and R J Parker.

    Evil is found in words such as force, compulsion, tax, violence, theft, censure, and politics. Notice that in such things, there is no joy. None have any value to humanity. This book defines the doctrine of liberty, and teaches you why choices that affect your life can only rightfully be made by you.

    This book is written in a simple manner for readers to understand the various terminologies and working process of the financial markets. If you are looking to understand and enter the stock markets but don't know from where to start, then this book is for you. The basic concepts are same for Indian and overseas markets so it will help you understanding both. It will help you as a reference guide for investing in stock markets. Specifically it will help you in:- 1. Know basic terms and conditions of the stock market. 2. Know products and services associated with the stock market. 3. Know how to kick start in stock markets. 4. know Do's and Don'ts in Stock Markets. 5. Selecting a broker. 6. How to make your first trade. 7. Additional mental mastering technique that will help you to achieve more on markets as well in life. 8. Insight of a trader/investor who has more than 10+ years of experience in stock markets. 9. Illustrated examples for more clarity on topics.

    As of January 14, 2016, this is an unverified document. NOTE: this document has been reformatted for the Kindle. It can be searched, bookmarked, annotated, etc. It is not a dump of the PDF.

    Control over law and order has long since passed from the hands of the administration to caste-based gangs and organized crime syndicates enjoying political patronage. Kidnapping has become one of the flourishing businesses of the state, while every other industry has dwindled down and the development plank has gone on a pause mode, on account of Rangdari, which is yet another booming business apart from contract killing, smuggling, illegal tree cutting, and vehicle snatching. Migration to other states is at peak: not only of big businessmen, but also of lowly laborers. And those who can’t leave the state are either sucked into the crime world or are forced to live under fear. Albeit the local newspapers everyday sketch the sordid saga of the state, the execrable condition is not likely to improve by any means in the near future. Digambar Babu, a middle-aged man of a small town Motihari (the place of Mahatma Gandhi's Champaran Satyagrah), is dejected and dismayed for his family falling apart, and so sets himself on a mission to make amends for the mistakes he has done in the past. Shakuntala Devi, his wife, infuriated at herself for having devoted her whole life selflessly and arduously for her ungrateful family, wants to make up for the injustice she has done to herself, by living the rest of her life selfishly. Sarvesh, their asthmatic son, whose first marriage perished about a decade ago, is still struggling with both his career and his married life, and Nisha, their daughter, is married to someone whom she thinks she will never be able to love. The biggest threat to the already troubled family is Nisha’s ex-lover Kanhaiya Tiwari, who is the youngest corporator of the town, and has sworn to ruin the family. Shyam, Nisha’s husband, who is ‘the absorber of the emotions’, in keeping with his fluidity, writhes in pain but transforms time and again, in order to win his wife’s heart, while Savita, Sarvesh’s current wife, colludes with Kanhaiya Tiwari in his evil intent, in order to have all the strings of the family in her hands. Benighted in Sodom, they weave their web of Karma, and fabricate their fates, but the biggest sufferer in the ruthless game of dominance and survival are the innocent children of the family.The story tries to draw parallels between Digambar Babu’s disarrayed family and the disordered town. The novel is inspired from the real events happened in the town during 90’s era of jungle-raaj.

    We are imprisoned within our materialist maze, believing in and reckoning only with what we see or touch and whatever is beyond that, does not really exist. This disconnection is the cause of much suffering, misery, and even sickness. When we change that perception and realize that there are many things beyond what we see and feel, and that there is a whole energetic world, to which we are connected, only then our lives begin to change. This book was conceived in order to broaden our perception This book will teach you about the aura, the energetic body, and all about our energetic parts. It will teach you simple skills, with which you will be able to balance yourself and live a healthier, happier, more serene and fulfilled life.

    Setting out across the harsh desert in order to forge a new path to 1837 California, daring mountain man Hugh Falconer leads his band of roughnecks and outcasts through the dangerous land against menacing odds.

    Amrapali craved peace; Upagupta’s bearing exuded contentment. Amrapali depended on the adulation of her audience; Upagupta spurned the attentions of the rich and famous. Their stories were different, but the Buddha’s wise teachings linked their lives – and the lessons to be learned from them.

    Wecht, M.D., J.D., one of America’s most respected forensic pathologists. Coauthored by crime writer Dawna Kaufmann, Final Exams explores both the technical and the human side of murder. From the heartbreaking case of abducted child, Jessica Lunsford, held captive within shouting distance of her loved ones, to the peculiar story of a murder for hire with a most unlikely victim, Final Exams takes the reader behind the scenes. Secrets about the private lives of both predators and victims are revealed as the authors detail the events that turned rage to tragedy. Fans of CSI will appreciate how Wecht and Kaufmann share the real life process of solving crimes with clues left with the victim.

    It exposes the grim reality of everyday soldiering for the 'grunts on the ground'. After the tragic death of his brother, and in the dark days following 9/11, McLaughlin felt compelled to fulfil his lifelong ambition to serve in the army. He followed his late brother into the elite Royal Green Jackets and passed the arduous Combat Infantryman's Course at the age of 31. Thereafter, McLaughlin found himself submerged in a world of casual violence. Squaddie is a snapshot of infantry soldiering in the twenty-first century. It takes us into the heart of an ancient institution that is struggling to retain its tough traditions in a rapidly changing world. All of the fears and anxieties that the modern soldier carries as his burden are laid bare, as well as the occasional joys and triumphs that can make him feel like he is doing the best job in the world. This is an account of army life by someone who has been there and done it.

    This and other developments will prompt utilities to undergo the largest changes in their history. Smart Power examines the many facets of this unprecedented transformation. This enlightening book begins with a look back on the deregulatory efforts of the 1990s and their gradual replacement by concerns over climate change, promoting new technologies, and developing stable prices and supplies. In thorough but non-technical terms it explains the revolutionary changes that the Smart Grid is bringing to utility operations. It also examines the options for low-carbon emissions along with the real-world challenges the industry and its regulators must face as the industry retools and finances its new sources and systems. Throughout the book, Peter Fox-Penner provides insights into the policy choices and regulatory reform needed to face these challenges. He not only weighs the costs and benefits of every option, but presents interviews with informed experts, including economists, utility CEOs, and engineers. He gives a brief history of the development of the current utility business model and examines possible new business models that are focused on energy efficiency.Smart Power explains every aspect of the coming energy revolution for utilities in lively prose that will captivate even the most techno-phobic readers.