This is how life begins for orphan Emma. Unwanted, cast aside and thrown on the mercy of strangers, she grows up wondering why. And what are the mysterious gifts each year placed where her cradle was once abandoned? Now blossomed to youthful beauty but shunned by society, the man she loves is forbidden to marry or court her. Driven from her presence she is bereft of family or friends and thrown to the harsh unforgiven streets. Driven to desperate measures, only a miracle can save Emma now! But Christmas is the time of miracles, and an unexpected friend leads the way to a marvelous happy ever after. Enjoy this beautiful, heart-warming and hope-filled Victorian Christmas romance. Read Churchyard Orphan today!

    What made ancient India the Golden Bird in the first place? What did China, the Land of the Dragon, have in common with India, and when did these two ancient civilizations diverge on their paths to global success? Raina Singhwi Jain discusses the immediate need and measures for a quantum jump in our attitude towards development. While conventional wisdom suggests improvements in manufacturing, the ease of doing business and digital technology, Jain goes a step further, drawing surprising parallels between other areas that beg our attention—process engineering, communication design, journalism, and education. This is a work of reflection and a call to action, urging Indian denizens to act now for a revival of the genius that lies dormant within each one of us.

    Economics, finance, business & management

    Debtors come knocking aggressively on her door, making threats, and all she can do is pray that God sends help—fast! Help comes in the guise of a mail-order bride ad and soon Elizabeth is sailing to America, on her way to marry Edmund Williams in San Diego, California. But danger follows her across the ocean and into the arms of Edmund, who has also lost everything and stands to lose even more as he and his friends confront the Clawson Gang that is threatening San Diego. Just when it looks like two shattered lives may finally be mended, Elizabeth’s past reaches out to yank her back. Will Edmund’s steadfast love and Elizabeth’s faith be enough to save both their lives?  There are 6 clean and wholesome Mail Order Bride stories in this series that will touch your heart.  These are tales demonstrating qualities of fortitude, strength, and valor through biblical themes.  Stories you’ll find in this series are: Book 1 – A Home for Elizabeth Book 2 – A Sturdy Hand for Sharron Book 3 – Welsh Beauty for a Fierce FighterBook 4 – Irish Lass for a Wounded WarriorBook 5 – An English Bride for a Lonely CaptainBook 6 - A Highlander Bride for the Dark Rider

    As of January 14, 2016, this is an unverified document. NOTE: this document has been reformatted for the Kindle. It can be searched, bookmarked, annotated, etc. It is not a dump of the PDF.

    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.

    So when the one man who broke her heart many decades ago lands on her doorstep, she’s not willing to give him a chance again.Widowed Peter Taylor has reached the pinnacle of his career as an award-winning general surgeon and raised two accomplished children. But something seems to be missing in his life. So when he takes a road trip to see a friend and ends up meeting his long-lost love, he’s determined to find out why she left him many years ago.When they get trapped together in a barn, will they resolve their issues and give love a second chance, or will old secrets keep them apart forever?This story was previously published in the Love Under Lockdown Limited Edition Box Set.

    

    A determined young man has left Seattle behind to head north:With the lure of Alaska gold burning bright in his eyes, Thomas Thornton set out on a voyage to find fame and fortune. He left everything behind, with a promise to his girl he would return. Thomas soon learned that Alaska had other ideas about his future. With the grit and determination demanded by those that seek to tame Alaska, Thomas vows to see his dreams come true.

    Especially when the title comes with additional baggage: the obligation to hate the family of the woman he's secretly in love with.However, like a rose among thorns, their hope for a shared future is clipped abruptly. When Lorelei is pronounced dead after a terrible accident, all that remains of her is a single handkerchief with her blood on it...*If you like a realistic yet charming depiction of the Regency and Victorian era, then A Last Dance with the Forbidden Earl is the novel for you.This is Hanna Hamilton's 38th book, a historical Regency romance novel of 80,000 words (around 400 pages). No cheating, no cliffhangers, and a sweet happily ever after.

    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.

    Howard Farran shows that running a business isn’t all that complicated—if, you’re focusing on the right three areas: •People: maximizing the potential of employees, customers, and yourself.•Time: mastering the efficiency that helps a business turn the biggest profit possible.•Money: learning to love the numbers that function as the business’s scorecard.With simplicity, good humor, and plenty of stories Dr. Farran reveals the actions that can lead anyone to bigger profits, happier people, and a more fulfilling life.

    Auditing is perhaps our single best defense in ensuring the integrity of our financial reporting system. That's why this new Eighth Edition of Boynton and Johnson's Modern Auditing focuses on decision making and the critical role auditors play in providing assurance about the integrity of the financial reporting system. Known for its clear writing and accessibility, this text provides comprehensive and integrated coverage of current developments in the environment, standards, and methodology of auditing. Features * Real-world examples relate issues discussed in the chapter to ethics, audit decision making, and the integrity of the financial reporting system. * Focus on Audit Decisions sections highlight key factors that influence an auditor's decisions. * Includes discussion of the role of the Public Company Accounting Oversight Board (PCAOB) Auditing Standards, and a chapter feature highlights PCAOB standards that differ from Generally Accepted Auditing Standards for private companies. * Expanded case material related to the integrated audit case (Mt. Hood Furniture) provides a variety of databases that allow students to utilize generalized audit software (IDEA) to accomplish various audit tasks. Multiple databases allow the case to be reused with different data from term to term. * A flowchart style chapter preview begins each chapter. * Chapter summaries reinforce important audit decisions included in the chapter. * End-of-chapter material organized by audit decisions provides a clear link between audit decisions discussed in each chapter and the problem material.

    Description:- The Lean Startup: How Constant Innovation Creates Radically Successful Businesses The Lean Startup is a new approach to business that's being adopted around the world. It is changing the way companies are built and new products are launched.The Lean Startup is about learning what your customers really want. It's about testing your vision continuously, adapting and adjusting before it's too late. Zero to One: Notes on Start Ups, or How to Build the Future The next Bill Gates will not build an operating system. The next Larry Page or Sergey Brin won’t make a search engine. If you are copying these guys, you aren’t learning from them. It’s easier to copy a model than to make something new: doing what we already know how to do takes the world from 1 to n, adding more of something familiar. Every new creation goes from 0 to 1. This book is about how to get there. The 7 Habits of Highly Effective People In THE 7 HABITS OF HIGHLY EFFECTIVE PEOPLE Stephen R. Covey presents a holistic, integrated, principle-centred approach for solving personal and professional problems. With penetrating insights and pointed anecdotes, Covey reveals a step-by-step pathway for living with fairness, integrity, honesty and human dignity - principles that give us the security to adapt to change, and the wisdom and power to take advantage of the opportunities that change creates. 'Fundamentals are the key to success. Stephen Covey is the master of them. Buy his book, but most importantly, use it!' - Anthony Robbins, author of UNLIMITED POWER.

    Financial & Accounting jargon is used only where it is required and they are well explained.This book will enable you take business decisions with financial prudence.