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.

    Anderson's first book is a classic. It tracks slavery and Jim Crow public policies that used black labor to construct a superpower nation. It details how black people were socially engineered into the lowest level of a real life Monopoly game, which they are neither playing or winning. Black Labor is a comprehensive analysis of the issues of race. Dr. Anderson uses the anaylsis in this book to offer solutions to America's race problem.

    Packed with stories, biographical essays, scores of archival photographs and other evocative artifacts, it is an important contribution to sports history and a wonderful tribute to the players and teams who wrote a unique chapter in the annals of baseball and American culture. National Geographic is proud to present this compelling volume, compiled by a who's who of authorities on the subject. Drawing on years of research, Shades of Glory traces the history of black baseball from the 19th century to the first great teams, such as the Cuban Giants, and on to the era of the vibrant barnstorming teams from the East Coast, Chicago, and Cuba. The unparalleled Rube Foster started the first Negro League in 1920, with such dominant teams as the Chicago American Giants and the Kansas City Monarchs. Pittsburgh soon produced two of the greatest teams of all time, the Homestead Grays and the Pittsburgh Crawfords, featuring such stars as Satchel Paige, John Gibson, Cool Papa Bell, and many more. Their superb brand of baseball rivaled the best of the major leagues until the historic signing of Jackie Robinson by the Brooklyn Dodgers in 1947. Shades of Glory chronicles a bygone era of black baseball and the stars who were shadowed by racial prejudice, but now shine forth in all their sparkling brilliance.

     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

    With nowhere to hide, Fatima endures eleven years of abuse at the hands of her bitter mother. Her escape ironically comes by the hands of her mother as well... when she's kicked out of the house and ends up living in her car. But anything is better than living in hell at Jewel's house. With her mind messed up but made up, Fatima thinks she's alone in the Windy city, born into this world to fend for herself, not knowing everything that was beaten into her was a lie. Also in Chicago is Torin Taylor, the youngest brother of four boys who were given away by their mother at birth. One-by-one, each boy leaves the nest to run the streets with only one goal: getting rich. Only thing is, Torin was born rich, he just doesn't know it. With the truth somewhere out there, Torin has no idea he's a wanted man... not by the FBI but one of the richest people in the world. After being caught up in a shootout orchestrated by Torin and his brothers, Fatima falls into Torin's life. Once a loner with no care in the world, Fatima melts the ice around his heart and becomes an important part of his life. There's just one thing: his brothers think she's dead and Torin can't bring himself to tell them he secretly hid her away to protect her from them. Death brings them together but will it also tear them apart?

    

    With hurt in her heart and confusion clouding her mind, Promise is forced to believe that no one will ever love her since her own mother couldn’t.Hassan is a young, black Doctor that every girl wants, but he’s not impressed by them. Following an encounter with Promise, he knows he has to have her. After a brief game of cat and mouse, Promise falls head over heels in love with Hassan.Promise eventually has it all—well, except all the unanswered questions of why her biological mother didn’t want her. Determined to know the truth, she sets out to find the woman who is only a memory.Will Promise get the answers she’s looking for and finally have closure, or is it possible she won’t have closure at all and lose the ones that really care about her while searching for something that was long gone?

    Envious locals in Tulsa dubbed the Greenwood section "Black Wall Street" because of its economic success, but that success was obliterated by a riot in 1921. The riot completely razed Greenwood, destroying the lives of its 10,000 residents. This account sees the events through the eyes of a fictional reporter. It offers perspective and hope. The events of Memorial Day, 1921 were hidden for the better part of a century, but knowing the truth about that day is critical to understanding ourselves and our motives and will ultimately make us all safer in an unsafe world. Today, just as in 1921, media hype too often obscures truth and embraces hype because hype is more interesting. The truth about this event must no longer be kept secret. Follow Sam Stackhouse, an old man remembering, as he discovers truth and wisdom.

    As a result, many people are left with an incomplete understanding of this transformative new technology and its massive implications for the future. The goal of this book is not to plumb the depths of the mathematical wizardry used to code blockchain-based applications, but rather to serve as an introduction to the broader architecture and conceptual background behind blockchain technology. We will take a practical approach, examining how Blockchains are used in the real world. In this short, concise guide you will learn: A Brief History of Blockchain Technology Blockchain Basics: Managing Digital Transactions What is a Distributed Ledger? Blockchain Beyond Bitcoin Implications Of Blockchain: Big Data, Privacy & Personal Data Profiting from Blockchain Technologies Limitations & Challenges of Blockchain The Future of Blockchain For Centuries, people have relied on corrupt Centralized Institutions like banks and Governments to serve as intermediaries when it comes to storing and transacting financial assets. This is ALL About To Change... Make sure you take action and join the Financial Revolution by reading this book!

    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.

    Eurocentric points of view have dominated the study of this era, but in this book, one of Africa’s leading historians reinterprets the colonial experiences from the perspective of the colonized.

    Wall Street wizard Melody Mason holds the key to both. All she has to do is accept his job offer. Trouble is, she flat out refuses. With his coveted promotion on the line, Grant's game plan is to do whatever it takes to change her mind. Melody has abandoned big business and her old pressure-cooker lifestyle in exchange for the serenity of small town living. There's no way she's accepting Grant's proposal. But their instant attraction and off the charts chemistry can't be denied. And soon Grant's wondering if he is really offering the sexy recluse a job or his heart.

    Goodman & Robert A. Spicer from an original story by George S. Clason ; illustrated by Joseph Feher.-WorldCat

    When John Hargrave first invested in cryptocurrency, the price of a single bitcoin was about $125; a few years later, that same bitcoin was worth $20,000. He wasn’t alone: this flood of new money is like the early days of the Internet, creating a new breed of “blockchain billionaires.” Sir John has unlocked their secrets. In Blockchain for Everyone, Sir John reveals the formula for investing in bitcoin and blockchain, using real-life stories, easy-to-understand examples, and a healthy helping of humor. Packed with illustrations, Blockchain for Everyone explains how (and when) to buy bitcoin, cryptocurrencies, and other blockchain assets, with step-by-step instructions. Blockchain for Everyone is the first blockchain investing book written for the layperson: a guide that helps everyone understand how to build wealth wisely. It’s the new investing manifesto!

    At the time of his death in 1993, his personal fortune was estimated in excess of $400 million and his vast commercial empire spanned four continents. Despite the notoriety surrounding Lewis's financial coups, little has been written about the life of this remarkable man. Based on Lewis's unfinished autobiography, as well as scores of interviews with family, friends, and colleagues, the book cuts through the myth and media hype to reveal the man behind the legend. What emerges is a vivid portrait of a proud, fiercely determined individual with a razor-sharp tongue — and an intellect to match — who would settle for nothing less than excellence from himself and others.