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 first female CEO of one of Australia's big four banks, listed by Forbes in 2010 as the 8th most powerful woman in the world, and mother of four (including triplets), Gail is celebrated as one of our finest, most innovative thinkers on leadership and workplace culture.In these personal, practical chapters, Gail Kelly shares what she's learned over her remarkable career, drawing from her personal and professional life. As a leader, she argues passionately for the importance of putting people and customers at the heart of a business; of leading with courage and generosity of spirit; and of resilience. Some of those lessons were learnt at times of high pressure, and Gail takes us into her thinking as she led Westpac through the global financial crisis and the merger with St. George.But Gail's voice speaks to each of us, whatever our role in life. She explores the absolute importance of loving what you do; learning to learn; backing yourself; and most importantly, placing your family above all things.At the heart of Gail's refreshing, authentic, integrated approach is how both individuals and companies thrive when they openly address the meaning of what they do, and understand the need to live a whole life. Live, Lead, Learn is the inspiring story of one of the world's most prominent business people, who started as a Latin teacher and became mother of four and CEO of Westpac - and everything she has learned along the way.

    

    Mysterious, gloomy castles and open graves at midnight are just two of the Gothic devices used to chilling effect in this 19th-century horror classic that turned an obscure figure from Eastern European folklore into a towering icon of film and literature.

    It is an inspirational short read that will offer you a concise insight of his life, not only as a simple biography but also as a guide for self-improvement and innovative thinking. The main facts gathered here are drawn from interviews, articles and books about him and explain the simple principles, which he used to build his vast fortune. At the end of each chapter, you will find summarized tips that you can quickly access when you need inspiration or useful advice. Learn the most significant skills and qualities that made Musk one of the most famous and creative entrepreneurs of our time and follow his lessons.

    I've then compiled the best questions, expanded my answers, and provided much original material to create this book, "FAQ ME".

    straight from an experienced pro that has seen millions of dollars exchange hands at the closing table.” - Peter Voogd, #1 International Bestselling Author of 6 Months to 6 Figures There are countless real estate books on the market today, so why read this one? What sets it apart from all the others out there?Bestselling Author, Alex Goldstein, brings a unique perspective that many others do not. As a successful realtor and investor, Alex has been on both sides of a real estate transaction, so he knows what strategies and techniques will lead to a successful deal, and which ones should be avoided at all costs. That’s why he chose the name, "No Nonsense Real Estate," for his third book.Goldstein offers practical, proven home buying techniques, free of fluff or confusing jargon.This book is for anyone who is getting ready to buy or sell a home and wants to be as informed as possible as they get ready to begin the process so there are no surprises – whether they will be working with a realtor or doing it on their own. 9 REASONS TO READ THIS BOOK NOW: 1. AGENT - Go through the pros and cons of working with a real estate agent, and the two ways that they can add the most value,2. ECONOMICS - You'll understand the fundamental economics of the housing market in the simplest terms possible3. INVESTING - Avoid the top five mistakes (almost) all new real estate investors make4. NEGOTIATIONS - Five critical elements of a successful negotiation5. FINANCING - Possible financing options, from traditional loans to seller financing6. SELLING - Seven secrets that make selling a home as painless as possible7. BUYING - Demystifying contracts and closing costs takes the fear out of the process8. CLOSING - Walk through eight steps involved in a real estate transaction closing9. PRACTICAL - Learn how all the different parts come together in a real life case studyYou also receive three free gifts. Goldstein has put together a special document answering the most popular questions every buyer, seller or investor has during a real estate transaction. You also get special access to an easy-to-understand glossary of the most popular real estate jargon. Last but not least, every reader is access to a free video training that will teach you how to choose the best home for your family.

    Who has time for 350 pages of (boring) theory? Learn to be awesome for the price of a coffee and the time it takes to drink it. Available for PC, Mac, smartphone, tablet, Kindle or in print!The number one reason people hate their jobs is because their boss sucks. And you don't want to suck as a manager -- you want to be awesome. But how? In this upbeat, concise, and practical guide, you'll gain supervisory skills that wow in any workplace. You'll learn:- How can I motivate my team when the work gets tough? - What's a Zorro Circle? - How do I deal with that grumpy coworker? Author Tamara Murray shares dos and don'ts she picked up through years of trial and error, reading a lot of Fast Company...and having the occasional breakdown in a colleague's office. Eventually, she had people telling her she was the best manager they'd ever had. Packed with real-world tips you can put to use immediately, these seven lessons will stick with you your entire career.What readers are saying:"Like a friend giving me advice over a cup of coffee.""Unlike other management books that can be dry and boring, this is a lively and fast-paced read.""Simple, straightforward pointers on how to deal with many challenges that I have already encountered as a newbie manager."

    Becoming successful, happy, loved and healthy, could be just a simple step away. By following what this book teaches and using the Law of Attraction, your life could drastically change in no time. Imagine a life where you are more successful, happier, healthier, and more loved. Experiencing the abundance in life and overflowing with joy. That is possible with the Law of Attraction. Whether you are a beginner on this topic or an advanced practitioner of the Law of Attraction, this book will have something new for you.In this book you will learn: How the Law of Attraction works How to harness the power of the universe How to raise your frequency to attract what you want from the universe How to raise your vibration How to attract health How to attract wealth How to attract happiness How to attract love How to attract an abundant life Positive actions you can start taking today to harness the power of the law of attraction And much more… Grab your copy and start experiencing the power of the Law of Attraction today!

    The book is written by JD (James David by author's full name) Vance and in it the author tries to describe the overall life and struggles of people in post-industrial time in the United States. This book deals with the problems of white working-class and the book is not just some book where the author tries to describe lives of ordinary white people. The book is actually a memento and a message to the readers; in it Vance describes his life and his starts, especially growing up while being poor in Ohio. We can find out about this when we find out that Vance's family is of Scottish-Irish descent and that his ancestors have longer history of poverty and hard work that they need to endure in order to survive the hard times that were at hand. We also find out that since the 18th century many Scottish-Irish people were working as plantation workers, as miners and/or as millworkers. Because these people worked only the hardest jobs that hardly anyone else would take many people belittled them. Words like 'white trash, redneck' and/or 'hillbilly' were unfortunately a common everyday word for those people. Hillbilly Elegy is a fascinating work, not because it was written based on a true story but because it was written from a man who lived 'through' his story. The fact that the entire book contains a message is, of course, welcoming plus and something we want from literature of this genre. Here Is A Preview Of What You Will Get: In Hillbilly Elegy, you will get a summarized version of the book.In Hillbilly Elegy, you will find the book analyzed to further strengthen your knowledge.In Hillbilly Elegy, you will get some fun multiple choice quizzes, along with answers to help you learn about the book.Get a copy, and learn everything about Hillbilly Elegy.

    For Arpita, it is a second chance at love. Payal and Nitin make the campus their home while Geet faces a tragic loss. Join Suraj and Priya as they break away from the family business to carve out a path for themselves and discover how Rahul and Dimple spend an unusual honeymoon. These are just a few stories from this colorfulcollection set against the backdrop of life on campus andaspirations for an MBA degree. The book is a ride through different shades of life and experiences. Whether you are single or married, this book is an absolute must read for anyone who wishes to take an unconventional decision in life.

    On your path to success, both the biggest hurdle and the biggest support is your own mind – depending on how you have trained it.”– CHANAKYANo school or university teaches us how to make friends, have a successful career, maintain a healthy married life, run a family or live life in general. How many times have we wished for a roadmap to navigate the confusing landscape of daily-life, to have a guidebook to show us the way? In his much-awaited book Thus Spoke Chanakya, bestselling author Radhakrishnan Pillai decodes ancient texts from the illustrious Kautilya’s Arthashastra within the context of modern times and doles them out in short, crisp passages for everyday practice and use. A perfect read for those who yearn to master the teachings of Chanakya for overall success. Radhakrishnan Pillai is the bestselling author of Corporate Chanakya, Chanakya’s 7 Secrets of Leadership, Chanakya in You and Katha Chanakya. He has a PhD in Kautilya’s Athashastra and a Master’s degree in Sanskrit. A renowned management consultant and speaker, he heads the Leadership Center at the University of Mumbai.

    These secrets will help you get great salary raises, get selected in a job interview, & even get a promotion easily. Here are the closely-guarded secrets that will be revealed in this never-before disclosure. Career Secret # 1: Why would you be fired? Can you avoid the dreaded Pink Slip? And why the most-beloved perk 'Work From Home' is the surest ticket out of the company? For the first time ever, you will be taken behind the scenes of a mass-firing (multiple layoffs). You will understand what prompts a company to fire its loyal employees (this means you). And the biggest insider secret... if you are Working from Home, why you will get laid off in the next few months. You will also learn how to protect your job & make yourself almost 'fire'proof. Career Secret # 2: Job sites are utterly useless Sick and tired of job hunting? Learn why job sites are utterly useless & where you need to focus your energies for a job search. This one strategy will increase your probability of getting a job from a measly 1% to a stunning 60%. Career Secret # 3: Your experience or skills doesn't matter in an Interview! Did you know that your experience or skills doesn't count for the hiring manager? What is the recruiter really looking for? It's this one little thing... Career Secret # 4: Your manager doesn't care what you did the whole year Are you surprised? Or did I confirm what you already suspected? Is everything you are doing in your job, all in vain? Not yet. This secret will tell you how to get on your manager's radar. Career Secret # 5: Appraisal ratings and increments are your manager's headache. Here's how to force your manager to give you a fat paycheck. There is a ton of information on salary negotiation during a job interview. What about salary negotiation during a performance review? This secret will tell you the simplest & easiest way to rate your own performance. And how to make an epic presentation that will force your manager to grudgingly give you a great rating & an excellent salary raise.

    The tables turn when Marjorie is able to subdue Raul and keep him tied up in her fireplace. When Terry and Patricia, Marjorie's roommates, come home, they are shocked and begin discussing how to handle the situation: call the police or take matters into their own hands?

     In this book you’ll find: • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today • 2 questions you must answer before you invest another dime • Why investing after you retire is radically different from investing while you’re still working • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do • The 10 essential questions you must ask a financial advisor—before you hire one • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money “Thurman takes a subject that is often misunderstood, and provides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” –Jimmy J. Williams, CFP®, CPA/PFS CEO/President of Compass Capital Management, LLC “A must for anyone thinking of retiring or recently retired!” –Stan Toler, bestselling author of The Secret Blend