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.

    Now, James Scurlock engages, educates, and entertains readers with the captivating story of DHL co-founder and billionaire Larry Hillblom.King Larry begins with an early biography of Larry Lee Hillblom, a mercurial young man who grew up on a peach farm outside of Fresno, California. Hillblom co-founded DHL in 1969 (three years before FedEx), and it became the fastest-growing corporation in history. Hillblom’s expatriate life began in 1981, when he retreated to a small tax haven in the Western Pacific. There he led the resistance to American meddling in the Marianas Islands. Hillblom’s voracious appetite for underage prostitutes is another facet of his unusual story. In 1995, Hillblom’s amoral, thrill-seeking nature caught up to him when his seaplane disappeared off the coast of Anatahan, leaving behind an estate worth billions. Weeks later, five impoverished women and their attorneys came forward to challenge Hillblom’s will in a legal battle for his fortunes that continues to this day. Meticulously researched and thoroughly engaging, King Larry will satisfy fans of such bestsellers as Confessions of an Economic Hit Man and The Accidental Billionaires .

    Analyzing four European nations and Japan at some length and four Third World nations more briefly, this text studies the history, institutions, geography, and political culture of each to provide valuable comparative information in the course of the semester. - Updated and revised - Enables students to stay abreast of the latest events in the global-political environment. - Expanded political-geography material - Provides students with geographical insight that prepares them for globalization. Aids students preparing for the state teacher certification exams. - Insights - Includes some rational-choice perspectives, more geography, and Russia as a quasi-authoritarian system. - Improved Pedagogy includes highlighted boxes, glossary, maps and chapter-opening questions. - Nine countries represented - Extensive coverage of Great Britain, France, Germany, Russia, and Japan; more brief coverage of four Third World

    Written by bestselling author Peter Pande, What Is Six Sigma? is a concise summary of the core themes and processes of Six Sigma. Unlike almost all other books on Six Sigma, it is written for the employees of organizations rolling out Six Sigma--not just managers. This helpful overview describes what Six Sigma is, why companies are implementing it, and how employees can make it a success in their own organizations.Based on the bestselling The Six Sigma Way, this accessable introduction to Six Sigma answers typical employee questions, concerns, and even skepticism about this revolutionary program. Includes:The six themes of Six SigmaA five-step roadmap to Six Sigma implementationThe 10 basic tools of Six Sigma, with an entire page devoted to each

    Featuring insights from Fortune 100 executives, headhunters, career counselors, and MBA graduates, this guidebook arms you with information you should know about an interviewing company, its industry, the position, and the interviewers themselves.

    The book focuses correctly on the strategic management perspective necessary for an understanding of this area. It will be of enormous help to practitioners and academics in their quest to understand what may well be the most important functional area for most corporations in the coming years′ - Paul A Argenti, Professor of Management and Corporate Communication, The Tuck School of Business at Dartmouth, USA `This is the text that practitioners, academics, and students in corporate communications have been waiting for. The book is accessible, comprehensive and is well balanced in discussing both theoretical and practical perspectives upon corporate communications. It is simply a must-read for those who want to be at the cutting edge of corporate communications′ - Phil Harris, Professor of Marketing, University of Otago and International Director of the European Centre for Public Affairs in Brussels

    Covering such topics as: Whether you should be a limited company or self employed? What part of business finances do you really need to understand and which parts can you ignore. Whether you become VAT registered. When your tax is due and how much it will be. Setting up bank accounts. Getting paid by your customers. Managing your cash flow. Getting your pricing right. Russell Smith has worked with over 400 clients all across the UK and is a national expert on small business tax and accounts. His clients include doctors, dentists, psychologists, web-designers, musicians, marketing agencies, IT contractors, artists, graphic designers and many more. Russell Smith is the only chartered accountant in the world to blog every day - you can find it at www.rsaccountancy.co.uk/daily-blog. Russell also has a YouTube channel where he releases weekly 2 minute finance basics: www.youtube.com/RussellSmithtips. There is also a free tax, accounts and profit review with customised action plan worth £200 for readers of this book.

    For over a decade,the authors have studied the world’s successful traders. Based on their learnings, they started practicing it and are now part of the 5%. Trade and Grow Rich teaches not just concepts but also methods with the help of anecdotes. This book has to be read one chapter at a time, rather than just being a one-time read. If you want to enjoy an adventurous journey to become a successful trader, then this is the book you are looking for!

    It's all in the title - The Pursuit; Success is in the journey.

    This book describes the drape of the basic dress and its relationship to every garment in a clothing collection.

    From working with and managing multiple layers to using layers to enhance and retouch photos, this Photoshop guru covers it all.

    This edition is thoroughly revised, now including more application and analysis problems.

    Or perhaps you’re already using a digital note app, but you can't find a particular note without a tedious search. What if you could have a one-stop spot where you can find everything you need, in an instant, on all your devices, wherever you are? Organize Your Whole Life On A Single Page Learn a new way to organize your life using Evernote, a free program.Bestselling author Marjory Harris created a simple system to put everything in Master Notes, one or two clicks away. Using the free version of Evernote and the free Master Note templates that come with the book, you can do this too. Experienced Evernote Users Will Learn New Tricks, and New Users Will Learn The Essentials What makes this so special? This new Master Note method is not described in any other Evernote guide out there. Using Master Notes, you’ll quickly find anything you need within just one or two clicks. You won’t find an Evernote system this simple and user friendly anywhere else. This concise and informative book is jam-packed with useful tips for newbies and would-be ninjas. Getting things done will be easier than ever with this actionable guide. As one reader said, "The graphics and pictorials make for an easy and captivating read. I didn't even know I was learning because the real life scenarios made for a compelling read." Here's what some readers are saying: * The Master Note system is a stroke of genius.The book is detailed; graphics galore -- N. Lane * A brilliant method for organizing your notes. -- K. Hook * It's written so you can understand it if you've never used Evernote before, or even if you're a veteran. She's put instructions for both Mac and PC which I really appreciated. -- T. Micola Imagine Your Life Finally Organized Without Any More Digital Clutter With this book and the Master Note System ✔ You'll increase your productivity ✔ You'll free up time you now waste looking for information or sorting data ✔ You'll get free templates you need to organize everything that matters to you ✔ You'll stop wasting time searching and reading repetitive notes ✔ You'll end your struggle with information overload ✔ You'll get rid of existing clutter ✔ You'll learn an exciting new way to work ✔ You'll clarify your thinking ✔ You'll free yourself from dependence on tags or notebooks and tedious searches ✔ You'll keep new information organized and readily accessible This book comes with a FREE indispensable set of pre-made tables for your own Master Notes. Get organized now. Increase your productivity and free up your valuable time.

    This text integrates charts and tables to simplify such complicated issues as employment law, job satisfaction, work motivation and leadership. While striking a balance between research, theory and application, Aamodt introduces humor to make the student's reading more enjoyable. Students will be able to relate to industrial/organizational psychology by viewing such practical applications as how to write a resume, survive an employment interview, write a job description, create a performance appraisal instrument, and motivate employees.

    Topics covered include category management, international sourcing decisions, activity-based costing, quick response inventory systems and data-based retailing. There is a new chapter on electronic retailing and location, and examples include international, service retailers and small/independent retailers.