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 course is typically found in the department of management but is also offered occasionally through the ROTC program and education departments.

    The ideas are proven by several decades of experience and well-supported in the text with numerous examples.

    

    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!

    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.

    1 CD

    Free goal-setting/visualization guide and affirmation audio track included with purchase. Would you like to know the shortcut to achieving success and extreme happiness? In this life-changing book, you will learn the methods and techniques for creating dramatic, permanent change in your life. It took me many years of suffering and then many years of self-education to figure out the secrets of success and happiness, and now I'm thrilled to present to you this book that covers many of the strategies that I use to this day to help me achieve greater success and maintain my happy and optimistic attitude. How to Achieve Success and Happiness: Increase your mind power, overcome negativity, achieve your goals, and live your dreams in record time In this book, you will learn how to systematically adjust your mindset in order to create rapid change in your life and dramatically increase your levels of happiness. You will discover the step by step approach for manifesting all your desires, and you will also learn the common roadblocks to success so that you may avoid making mistakes along the way and accelerate your progress. Topics covered include: Subconscious programming Cultivating self-awareness Autosuggestion Visualization techniques Blocks to Abundance Eliminating stress Eliminating negative influences Increasing energy It is certainly possible for you to achieve success and live your dreams, and you can achieve your goals in much less time than you might think. Success starts from within. I learned that the hard way after having my life crumble before my eyes. I had to rebuild myself from within. Only when I learned to be happy did I start to see worldly success, and this book will describe exactly how I did that. You don't have to take the long path to success like I did. You can take the shortcut and begin realizing your wildest dreams faster than you could imagine.

    

    It’s also one of the most misunderstood. Fred Joyal, the expert in dental consumer marketing, reveals how every single thing you say and do in your practice communicates a message to your patients. Everything is Marketing takes you step by step through your business, showing how little changes can have a big impact. Want to attract new patients? Convert more calls into appointments? Increase your case acceptance? Marketing can make it happen. The first step is learning to recognize that you have the power to transform your patients’ health, happiness and quality of life, then infusing that belief into everything—including your office, your team, your advertising and your chairside conversations. Drawing from over two decades of industry experience, Fred shares insight on topics like: • Why dentistry’s unique business model is such a huge advantage • How to create an unexpected and unforgettable patient experience • Why patients leave your practice—and how you can keep them for life • Proven ways to boost patient loyalty and word of mouth • Secrets to building a strong (and happy) team that your patients will fall in love with Fred’s approach to marketing is practical, straightforward and easy to put into action today. It’s an unbeatable strategy for capturing the hearts and minds of patients and experiencing explosive practice growth.

    But few have developed the deep cultural intelligence (CQ) required to really thrive in our multicultural workplaces and globalized world. Now everybody can tap into the power of CQ to enhance their skills and capabilities, from managing multi cultural teams and serving a diverse customer base to negotiating with international suppliers and opening offshore markets. The Cultural Intelligence Difference gives readers: * Customized strategies for improving interactions with people from diverse cultures * New findings on the bottom-line benefits of cultural intelligence * Examples of major organizations that use CQ to achieve success A high CQ points to more than just cultural sensitivity. It is linked to improved decision making, negotiation, networking, and leadership skills-and provides a crucial advantage in a crowded job market. The Cultural Intelligence Difference delivers a powerful tool for navigating today's work world with finesse-and success.

    Rajesh Soin is the epitome of Indian-American success. He is an inspiring figure, much honored and much-touted when it comes to entrepreneurial vision and success. He is well-known as the founder of Modern Technologies Corporation (MTC), a billion-dollar company, which he started with a capital of $1700.He grew up in straitened circumstances. In his childhood, he faced a devastating tragedy. He arrived in America with only 75 cents in his pocket and no place to stay. When he started college, he had to subsist on $30 for a whole month, and in grad school, he got robbed at gunpoint.When he started his company, there was a time when all his credit cards were maxed out to make payroll, and his finances were in dire straits. At a point in his professional life, he was so down that he felt like he was done for.But Dr. Soin fought all this and emerged a winner in life. Today, he has multiple companies in his portfolio, an enviable net worth, and investments all around the globe. He is a brand in himself, having many schools, colleges, and hospitals named after him, and being the recipient of so many business and philanthropic awards. But every success has its price. Everybody tends to see the shining part, overlooking the darker side, which has so much sweat, blood, hard work, perseverance, insecurities, and failures. In this book, we have covered Dr. Soin’s journey from ordinariness to extraordinariness. How does he see the world? What is his vision? What are his aspirations? You will get all the answers in this book, and in this process, you may find a new perspective on life too.

    Employees who don't feel supported at work don't stay around for long - or if they do, they quickly become unmotivated and unhappy. At a time when organisational structures are flattening and workforces are increasingly fluid, supporting and connecting people is more important than ever. This is where organisational communities of practice come in. Communities of practice have many valuable benefits. They include accelerating professional development; breaking down organisational silos; enabling knowledge sharing and management; building better practice; helping to hire and retain staff; and making people happier. In this book, Emily Webber shares her learning from personal experiences of building successful communities of practice within organisations. And along the way, she gives practical guidance on creating your own.

    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.