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 Asylum is a stunning exposé by a seasoned Wall Street journalist that once and for all reveals the truth behind America’s oil addiction in all its unscripted and dysfunctional glory.In the tradition of Too Big to Fail and Liar’s Poker, author Leah McGrath Goodman tells the amazing-but-true story of a band of struggling, hardscrabble traders who, after enduring decades of scorn from New York’s stuffy financial establishment, overcame more than a century of failure, infighting, and brinksmanship to build the world’s reigning oil empire—entirely by accident.

    Today, the approach of using the dividend yield to identify values in blue chip stocks still outperforms most investment methods on a risk-adjusted basis.Written by Kelley Wright, Managing Editor of Investment Quality Trends, with a new Foreword by Geraldine Weiss, this book teaches a value-based strategy to investing, one that uses a stock's dividend yield as the primary measure of value. Rather than emphasize the price cycles of a stock, the company's products, market strategy or other factors, this guide stresses dividend-yield patterns.Details a straightforward system of investing in stick-to-quality blue-chip stocks with reliable dividend histories Discusses how to buy and sell when dividend yields instruct you to do so Investors looking for safety and transparency will quickly discover how dividends offer the yields they desire With Dividends Still Don't Lie, you'll gain the confidence to make sophisticated stock market decisions and obtain solid value for your investment dollars.

    Google's AdWords platform enables you to create pay-per-click advertisements that appear as 'sponsored links' when someone searches for content related to your product or service. You bid for the position to place your ad, and you only pay when someone clicks. It's that simple. If used correctly, AdWords can garner higher targeted traffic, which in turn will increase your conversion rates and profits. So, AdWords will definitely help your business, but you have no idea how to utilize them. What should you do? Take a couple of hours to read this book. Google AdWords for Beginners is designed to teach you the fundamentals of AdWords, how it works, why it works, and the proven techniques that you can use to make it work for you and your business. Additionally, this book details an eight-step blueprint that has consistently delivered positive results for companies. Upon completion, you'll be armed with the knowledge to launch profitable campaigns or drastically improve an existing one.

    She will guide you through the rules of creating and using professional gateway documents: resumes, cover letters, and LinkedIn profiles. Her advice for job seekers in a variety of settings is both accessible and sound. Best of all, she writes and presents with grace and humor. Brenda is a “must read” and “must consult” for people entering, re-entering, or reconfiguring their place at work." - Susan Gainen, Principal Consultant, Pass the Baton, Minneapolis, MN. "Brenda’s “How to Write a KILLER LinkedIn Profile” webinar was EXCELLENT! The information I received was applicable immediately and easily. Using Brenda’s insightful techniques, I transformed my one-dimensional career history into a compelling brand-focused profile that has increased my profile reviews and name search results by 20%!" - Nikki Champagnie, Career Services Professional, Houston, TX. "Many people are beginning to truly understand the strategic networking power of LinkedIn, but it’s surprising how few have adopted good habits when constructing and maintaining their LinkedIn profiles. Personal branding and sending a concise message to people who visit your profile is critical. Brenda Bernstein’s e-book holds key profile strategies and important tips on avoiding networking pitfalls. As a LinkedIn trainer myself, it’s good to know I have a resource like this for my clients to help them after they’ve left my classroom." - Michael Phelps, LinkedIn Trainer, Milwaukee, WI "I just love this new book! It absolutely addresses topics no one else has and that people should be paying attention to. It hits the bulls-eye on making LinkedIn work the way it’s intended! Plus Ms. Bernstein does a great job of conveying important, spot-on points in a clear and engaging manner." - Larry Megugorac, Sales Executive, Brentwood, CA "I have read How to Write a Killer Linkein Profile a few times now, and it has truly alerted me to the power of words, the use and turn of language, and the positioning power that I can master and take advantage of as I transition into my next job opportunity. I appreciated the knowledge and hands-on expertise Ms. Bernstein has laid out in these pages and honestly wanted more at the end of the book." - Luisa Michel, CFA, Columbia University MBA, St. Louis, MO

    after taxes! What are his investing secrets? How to Pick Stocks Like Warren Buffett contains the answers and shows, step-by-profitable-step, how any investor can follow Buffett's path to consistently find bargains in all markets: up, down, or sideways.How to Pick Stocks Like Warren Buffett sticks to the basics: how Buffett continually finds bargain stocks passed over by others. Written by an actual financial analyst who uses Buffett's strategies professionally, this tactical how-to book includes:Comprehensive financial tools and informationStrategy-packed Buffett in action boxesBuffett's own stock portfolio­­continually updated on the author's website!

    Whether you’re planning to spend an occasional overnight in a parking lot or an extended stay in the wilderness, you’ll learn how to equip your rig for boondocking, find great campsites, manage and conserve electricity and water, and camp in complete RV comfort and convenience. Increase your independence by learning how to camp "off the grid" Save money by finding cheap or free campsites anywhere--even in large cities Ensure your comfort, convenience, and safety when camping in the boonies Learn how to conserve and manage electricity, water, and waste, and to establish reliable communications Enjoy the quiet, solitude, and beauty of nature by getting away from crowded RV campgrounds

     Because these bonds serve as the foundation of our current financial system, when they are in a bubble, it means that all risk assets (truly EVERYTHING), are in a bubble, hence our title, The Everything Bubble. In this sense, the Everything Bubble represents the proverbial end game for central bank policy: the final speculative frenzy induced by Federal Reserve overreach. The Everything Bubble book is the result of over a decade of research and analysis of the financial markets and economy by noted investment analyst, Graham Summers, MBA. As such, this book is intended for anyone who wants to understand how the US financial system truly operates as well as those interested in the Federal Reserve’s future policy responses when the Everything Bubble bursts. To that end, The Everything Bubble is divided into two sections: How We Got Here and What’s to Come. Combined, these sections represent a blueprint for all things finance and money-related in the United States. This knowledge is now yours.

    High vitality, optimal health and sustainable strength can only be achieved by a properly-informed plan to understand, identify and conquer the enemies of our wellbeing. The only way to sustain a healthy, vigorous life is to make long-term lifestyle changes—across the board, be it through nutrition, resistance training, cardio or stress management. Strong Medicine shows you how to achieve an utter and complete physical and physiological transformation in 3 months without any draconian training or concentration camp nutrition. Discover how to go from unhealthy and uncertain into ever-improving levels of health, wellness and fitness… Using the intersection of cutting-edge science and real-world medicine—melded with high-level athletics, results-producing coaching and elite military-preparedness training… "Strong Medicine is flat-out amazing. If you ever wanted to take your training and your nutritional theory to an elite level—better than 99.9% of certified personal trainers—this is the book for you. It's all in here: genetics, gut bacteria, cutting-edge stress biology, molecular nutrition...even better, the ‘deep science’ is all explained so clearly (with charts, key points, photos and diagrams) that it's almost impossible not to understand and absorb it all fully. An automatic classic in the field, which will surely prove impossible to surpass. I bow down to the Doc and to Marty!"—Paul Wade, author, Convict Conditioning and Explosive Calisthenics “Strong Medicine by Chris Hardy, D.O. and Marty Gallagher is an exhaustively researched, clearly written, and practically useful guide to improving your health. Improving health is fundamentally different than treating disease. This book represents the future of healthcare in our country. It requires the patient to assume responsibility, learn the basics, and then enhance their health through diet, exercise, sleep, and mindfulness. If you are looking for a quick fix, this is not the book for you. If you understand that there is no quick fix, then read this book and trust what you read. The information is accurate and relevant, simple to understand, and actionable.” —Patrick Roth, M.D., author of The End of Back Pain: Access Your Hidden Core to Heal Your Body, Chairman of Neurosurgery at Hackensack University Medical Center and the director of its neurosurgical residency training program. “Strong Medicine by Dr. Chris Hardy and the legendary Marty Gallagher is a declaration of unconventional and asymmetrical war against mortality. The authors' weapon of choice is information, relayed masterfully in the form of an easy-to-understand and richly illustrated owner’s manual of sorts. This is an owner’s manual that is chock full of insights for every level, from the seasoned physician to the absolute layman who is new to fitness. For the grizzled coach who doesn't have medical training, Strong Medicine lays out crucial performance concepts like ‘hormetic dose’ in ways that are easy to understand regardless of your background. Dr. Hardy continues with insights into diet, nutrition myths, biochemistry demystified, intestinal fine-tuning, the chronic stress connection with disease, and then passes the baton to Marty Gallagher, who unleashes a plethora of exercise and training tips that are centered around five basic exercise categorie

    We'd like nothing better than to sit down with an experienced professional who could help us evaluate our assets and guide us through the bewildering array of choices. Charles Schwab's Guide to Financial Independence offers you precisely that. Reading this easy-to-understand book is like having the founder and CEO of a $300 billion brokerage firm sit at your kitchen table and distill his 40-plus years of accumulated wisdom in a one-on-one session with you.        This is a comprehensive, step-by-step guide that, once and for all, will take the mystery and the fear out of investing. With Charles Schwab's expert guidance you will learn how to define and set investment goals, whether you're saving for your children's college education or planning for retirement; prepare an investment plan; put the plan into action; and regularly update the plan to incorporate life's changes. Helpful worksheets and charts are included so you have what you need to get started immediately.        Also available as a Random House Audio BookFrom the Hardcover edition.

    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

    How to lead a "rich" life during trying economic timesIn The Secret of Shelter Island, nationally renowned financial analyst and bestselling author Alexander Green explores the complicated relationship we all have with money and reveals the road map to a rich life.Drawing on some of today's best minds and many of history's greatest thinkers, The Secret of Shelter Island is both a much-needed source of inspiration and an insightful look at the role of both money and values in the pursuit of the good life.Addresses what really matters when it comes to money and how to make smarter decisions with what you have Describes the profound connection between money, character, personal philosophy, and outlook Other bestselling titles by Green: The Gone Fishin' PortfolioIf you want to understand what ultimately provides meaning, contentment, and the satisfaction of a life well-lived, then read The Secret of Shelter Island.

    Because it is difficult to detect, the Financial Matrix easily seduces people into willingly enslaving themselves with debt. But Orrin Woodward discovered its existence and managed to free himself. Now his book brings you that same awareness and gives you the tools and principles to break free and create a life of abundance.

    "This book will change the outlook of those who read it." - Murali Vijay, Indian Cricketer "This book changed the way I looked at vacation planning and...I only wish that I had access to it at the start of my career." - Muthu Krishnan From the Author This step by step guide to your version of the Rich Life includes: - How your attitude toward money should move over from 'past looking' to 'future focusing' -How to find mistake fares to Europe, Pacific and Far East and make that extended 4-day weekend, Thai trip for under 10k INR - Years of research resulting in 40 resources of 'free and cheap accommodations' for vacations - Tried-and-tested scripts to negotiate down credit card, Dish TV, Phone and Internet Bills - How credit cards can help you lower home-loan payments - How to setup the cashflow, so that you can make Diwali, Birthdays and other repetitive expenditures, a breeze - How to make big purchases like a home or a car - a walk in the park - How to invest for your retirement with peanut money now - Enjoy guilt-free irrational spending while also being responsible over the future - Automate every part of your money-life If you are in a 9-5 and are even part-disgruntled, Gamechanger is going to be the turning point of your life

    Mullen, Jr. reveals how to become a top-producing financial advisor using the method he has taught at Merrill Lynch and is famous for in the industry. This comprehensive book combines marketing, prospecting, sales, and time management techniques into a system that will help readers build a successful and lucrative practice. Mullen gives financial advisors all the tools and guidance they need to:- get the appointment - build relationships - convert prospects to client - retain clients - use niche marketing successfully - balance current clients and prospects - increase the products and services each client uses - attract millionaire clientsContaining templates, scripts, letters, and 15 tried-and-true Market Action Plans, this indispensable guide shows readers how to take their financial services practice to the million-dollar level and beyond.