Easy to understand and easy to get started. You will . . . Learn the 10 Simple Strategies that can start saving you money today See how sorting your mail saves you money Get brilliant insights into the excuses that keep you overspending Take a fresh look at your goals and priorities Create habits that can put your budget on autopilot Find genius ways to save money with kids Thrive on the rewards of thrifty living Big changes and little changes — they all add up. You can live well and enjoy the peace of mind that comes with thrifty living.

    "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

    Positive mental programming takes time. It is not a quick fix, but with enough repetition, these statements will sink into the deeper layers of your mind and begin to become 100% true for you.

    Just sixty Royal Marines stood in the way of an armada of thousands, 8,000 miles from home and with no support. The story that followed was one of a shameful defeat and ignominious surrender. A story which has lasted for 35 years. Now, with first-hand accounts from the Royal Marines themselves, from the Argentine Marines who fought against them and from the people of Stanley who watched the battle rage on their very doorsteps, a new history has emerged. It is the story of an epic and heroic defence on a scale with Rorke's Drift; a story which neither the British nor the Argentine governments wanted told. It is a battle denied; the battle of Stanley, a battle which - we are told - never happened.

    The book follows individual operations where special forces, aircraft, and the latest surveillance technology are fused together - in order to capture key figures or simply take out an enemy stronghold.The books account is both gritty and graphical as it follows the SAS, battling at times against overwhelming odds in a hostile country. Fighting a war hardened enemy with years of experience fighting occupying forces. Even these elite soldiers with advanced weaponry and immense fire support at their disposal are put to the ultimate test of skill and courage fighting in the 'Stan.'

    From picking the best prison ward, befriending the people who can get him mobile phone access and upgraded food, and training for his upcoming marathon in the tiny prison yard, Chetan soon learns to work the prison system. In the process he makes unlikely friends, and discovers what India’s underbelly really looks like. A true story, The Bad Boys of Bokaro Jail, is thought provoking, amusing and touching. It will show you the Indian prison as you have never seen it before.

    He presents a simple 4-step plan for a healthy diet, backed by science. No gimmicks, no expensive supplements, no hassle – just practical advice and 70 easy recipes for every day of the week.

    What is needed is a clear and simple method of learning one scale in all positions, and of learning all scales in one position. Guitarists need to be able to call up any scale to their fingertips instantaneously regardless of key, mode, string, or position and they need to be able to do so without memorizing hundreds of pages of diagrams. Fortunately, this is not only possible, but it is also incredibly simple. This booklet will teach you how.

    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.

    It’s as easy as 1-2-3—simply personalize, print, and protect.      Suze Orman and her own estate trust attorney have created the most state-of-the-art documents found anywhere. There are more than $2,500 worth of estate documents in this kit. Why pay thousands of dollars when you can get the same documents in this kit for $19.95!      This kit includes:•     More than 50 state-of-the-art documents•     Free automatic on-line updates•     Verbal and written instructions taking you step by step through the four must-have documents•     Password protection securing multiple users’ information•     A tutorial that shows you everything you need to know•     10 electronic books                                         PC and Macintosh Compatible . . . and good in all 50 states!

    Can a young girl escape a loveless home to seize elusive peace?Portugal. As a baby, Maria Trautman was abandoned at birth by her mother and was raised by her adoring grandmother. But when her grandmother passed away, the distressed child was sent to live with her cruel and cold-hearted mother.After enduring years of physical and emotional attacks, Maria built up the courage to leave her country and emigrated to Canada to seek sanctuary with her aunt. But when her uncle continued the very abuse she was so desperate to stop, Maria feared she would be forever trapped in a never-ending cycle of violence.In a passionate true account exposing unimaginably damaging upheavals, this heartfelt narrative follows Maria’s entry to adulthood and her quest to find one thing that always evaded her: happiness. And through vivid recollection of her own daunting challenges and tragic memories, Maria creates a beautiful tribute to the resilience of the human spirit.Discover the poignant truth of a courageous woman seeking healing through tremendous faith and forgiveness.If you like moving personal accounts, testaments of perseverance and powerful journeys, then you’ll love Maria Trautman’s memoir. Follow her heart wrenching story as she goes from suffering to living in happiness in her shocking memoir, After All...After All... Winner of the Literary Titan Gold book awardBuy After All… to reach the freedom that lies ahead today!

    

    People need cheering up. I have the answer. ‘Pills, Thrills and Methadone Spills: Adventures of a Community Pharmacist’ is a collection of the best blogs, tweets and anecdotes about the wonderful world of pharmacy.“If the shutter is three quarters down, then we are shut and not just vertically challenged”...“Gave me huge insight into the ‘real’ world of community pharmacy – I didn’t realise just how much pharmacists deal with on a day to day basis, so for me this was very informative, but in a reallyclever, and massively funny way!” Lucy Pitt, Marketing Manager, The Pharmacy Show“As well as being brilliantly funny, this book is a refreshingly honest view of the world of pharmacy. From student pharmacists to the fully-qualified, every chapter provides a story that the reader can relate to and enjoy.” Georgia Salter, Pharmacy Student“A well observed reflection of life in pharmacy with very funny reflections” Catherine Duggan, Royal Pharmaceutical Society"It is always fun to be reminded that pharmacists' perils and fun at the workplace are similar irrespective of which country we practise in!" Selina Hui-Hoong Wee , Pharmacist, Malaysia“A great entertaining and amusing read" Mike Holden, Chief Executive, National Pharmacy AsociationThanks to Laura Martins for her initial book cover design!

    Everyone needs them. Especially when relations between you and your family are less than perfect. And for the talented and ambitious Janet Street-Porter, her friends became her family. is the story of these vibrant characters – some famous, some infamous, all extraordinary – and their often volatile relationships with her. Above all, it is a portrait of an exciting and creative era, by someone who lived it to the full.