You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. “Can I retire?” This book will help answer that question by showing you…. The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security’s role in your retirement: when you should claim and how much it’s worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical retirement fuel gauge alerting you to problems while you still have time to act Backup plans: the lifeboat strategies for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later

    An attractive and comprehensive guidebook, this work has been completely revised and updated by the author. The reader will find an easy-to-use text which details the natural history of the plants and animals found in the Galápagos Islands. Management and conservation of the Galápagos National Park is discussed, and visitor information and notes about the various tourist sites are given. An index and checklist of plants and animals with page references and a glossary of technical terms are provided. New photographs have been added.

    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 warning signs are clear, and the collapse of the Zimbabwean dollar in 2009 after years of rampant money printing is a frightening example of what lies in store for the world's economies if painful, but necessary, reform is not enacted soon. When Money Destroys Nations tells the gripping story of the disintegration of the once-thriving Zimbabwean economy and how ordinary people survived in turbulent circumstances. Analysing this case within a global context, Philip Haslam and Russell Lamberti investigate the causes of hyperinflation and draw ominous parallels between Zimbabwe and the world's developed economies. The looming currency crises and possible hyperinflation in these major economies, particularly the United States, have the potential to turn the current world order upside down. Zimbabwe's lessons must not be ignored. This is the story of When Money Destroys Nations.

    Crafting an engrossing journey from the gushing Pennsylvania oil fields of the 1860s to today's fraught and fractious Middle East, Crude Volatility explains how past periods of stability and volatility in oil prices help us understand the new boom-bust era. Oil's notorious volatility has always been considered a scourge afflicting not only the oil industry but also the broader economy and geopolitical landscape; Robert McNally makes sense of how oil became so central to our world and why it is subject to such extreme price fluctuations.Tracing a history marked by conflict, intrigue, and extreme uncertainty, McNally shows how--even from the oil industry's first years--wild and harmful price volatility prompted industry leaders and officials to undertake extraordinary efforts to stabilize oil prices by controlling production. Herculean market interventions--first, by Rockefeller's Standard Oil, then, by U.S. state regulators in partnership with major international oil companies, and, finally, by OPEC--succeeded to varying degrees in taming the beast. McNally, a veteran oil market and policy expert, explains the consequences of the ebbing of OPEC's power, debunking myths and offering recommendations--including mistakes to avoid--as we confront the unwelcome return of boom and bust oil prices.

    Bread, cash, dosh, dough, loot, lucre, moolah, readies, the wherewithal: Call it what you like, it matters. To Christians, love of it is the root of all evil. To generals, it’s the sinews of war. To revolutionaries, it’s the chains of labor. But in The Ascent of Money, Niall Ferguson shows that finance is in fact the foundation of human progress. What’s more, he reveals financial history as the essential backstory behind all history. With the clarity and verve for which he is known, Ferguson elucidates key financial institutions and concepts by showing where they came from. What is money? What do banks do? What’s the difference between a stock and a bond? Why buy insurance or real estate? And what exactly does a hedge fund do? This is history for the present. Ferguson travels to post-Katrina New Orleans to ask why the free market can’t provide adequate protection against catastrophe. He delves into the origins of the subprime mortgage crisis.

    From different counties in Ireland, Maggie Qualter and Richard Terrett both sail to America as young adults in 1870 after surviving Ireland’s Great Hunger as children. Maggie works as a maid for a wealthy family. Richard finds work in a tannery. After the death of the young wife he loves passionately, Richard marries Maggie with the help of a deceptive go-between who brews trouble in their marriage that never goes away. They raise three children in the midst of Irish American culture, the Catholic Church, and Richard’s battles for the workingman in the Knights of Labor. Their daughter Mary dreams of being a nun, while Josie seeks the freedom of big-city life in Boston. Neither reckons on the future she will face, Mary as a wife and mother of nine children and Josie as a single working woman. Tom escapes factory life by joining the Navy, manages to see the world in the midst of two wars, and comes home to marry his sweetheart and start a new life. Their stories are both remarkable and familiar to everyone whose ancestors made their way to and in America.The events in the Terretts’ lives are as they emerge from the public record. But their inner lives, their thoughts, their relationships, their words are imagined as a route to understanding these five complicated and fascinating people

    CHAPTER III - THE FRATICELLI CHAPTER IV - POLITICAL HERESY UTILIZED BY THE CHURCH CHAPTER V - POLITICAL HERESY UTILIZED BY THE STATE CHAPTER VI- SORCERY AND OCCULT ARTS CHAPTER VII - WITCHCRAFT CHAPTER VIII - INTELLECT AND FAITH CHAPTER IX - CONCLUSION

    

    Americans eat more bananas than apples and oranges combined. In others parts of the world, bananas are what keep millions of people alive. But for all its ubiquity, the banana is surprisingly mysterious; nobody knows how bananas evolved or exactly where they originated. Rich cultural lore surrounds the fruit: In ancient translations of the Bible, the 'apple' consumed by Eve is actually a banana (it makes sense, doesn't it?). Entire Central American nations have been said to rise and fall over the banana. But the biggest mystery about the banana today is whether it will survive. A seedless fruit with a unique reproductive system, every banana is a genetic duplicate of the next, and therefore susceptible to the same blights. Today's yellow banana, the Cavendish, is increasingly threatened by such a blight -- and there's no cure in sight. Banana combines a pop-science journey around the globe, a fascinating tale of an iconic American business enterprise, and a look into the alternately tragic and hilarious banana subculture (one does exist) -- ultimately taking us to the high-tech labs where new bananas are literally being built in test tubes, in a race to save the world's most beloved fruit.

    The books have been organized according to major historical periods, as they would be in any major Western history text. Each title is linked with the Amazon page where the book is offered. Simply click on the title that interests you and then download it to your computer. Kindle users may be able to use the same approach or they may simply search for the titles using the "search" page (scroll down to Kindle Store) and then download at no charge. If the first approach will not work, the second will.Mike Caputo (Editor)WHAT OUR READERS SAY"Fascinating." (S.F.S. reader)"A History readers' delight." (Amazon customer)"Great For Historical Knowledge." (C.E. reader) "Great books. I am glad someone took the time to curate this." (Adam, reader)"I love all of the older history volumes available on Amazon.This is a well constructed list..." (C.B. Reader)"...a good resource..." (A.A. Reader)"A fine list of free history books for the Kindle on Amazon."(Kindle Customer)"Would and do recommend to anyone who spends way too much time as I do, looking at books." (Kindle customer)"Great information here." (Kindle customer)"A great selection for research and reference. Many interesting books on multiple topics that were written as it was happening, not a researchers opinion of what they think happened way back when." (Kindle customer)

    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.

    In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

    Who thought up paper money? What was the secret element that made the Gutenberg printing press possible? And what is the connection between The Da Vinci Code and the collapse of Lehman Brothers? Fifty Inventions That Shaped the Modern Economy paints an epic picture of change in an intimate way by telling the stories of the tools, people, and ideas that had far-reaching consequences for all of us. From the plough to artificial intelligence, from Gillette’s disposable razor to IKEA’s Billy bookcase, bestselling author and Financial Times columnist Tim Harford recounts each invention’s own curious, surprising, and memorable story. Invention by invention, Harford reflects on how we got here and where we might go next. He lays bare often unexpected connections: how the bar code undermined family corner stores, and why the gramophone widened inequality. In the process, he introduces characters who developed some of these inventions, profited from them, and were ruined by them, as he traces the principles that helped explain their transformative effects. The result is a wise and witty book of history, economics, and biography.

    The thirst for blood and cry for deadly vengeance lie deep in humankind, as criminologist Colin Wilson authoritatively illustrates in this millennial history of the most heinous of human crimes. Analyzing the tangle of motives behind murder and examining an astonishing variety of homicidal methods over the past twenty centuries, Wilson not only profiles infamous historical figures like Vlad the Impaler, Ivan the Terrible, Gilles de Rais, Countess Elizabeth Bathory, Marquis de Sade, and Jack the Ripper, but also studies particular categories of homicide and such phenomena as the Jacobean witch hunts and gangland killings of America's Jazz Age. Wilson's chronicle includes, too, the serial killings, random shooting sprees, and cult murders that have troubled more recent times. The comprehensive history and illuminating analysis of how humans kill, and why, make crime-expert Wilson's volume one that no true-crime fan or student of criminology will want to miss.