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.

     Rumi’s popularity has gone beyond national and ethnic borders. He is considered to be one of the greatest classical poets, by the speakers of Persian language in Iran, Afghanistan and Tajikistan. His poetry is still read worldwide today and has been translated into a wide variety of languages including Turkish, Persian, Russian, Asian, English and Spanish languages. Likely due to the pure universal natural themes in his poetry, Rumi’s works are simplistic and beautiful at the same time. A collection of 101 quotes of wisdom from Rumi on life, love and happiness. "Anyone who genuinely and consistently with both hands looks for something, will find it. " "Now is the time to unite the soul and the world. Now is the time to see the sunlight dancing as one with the shadows." "Gamble everything for love, if you’re a true human being. If not, leave this gathering." “Let the lover be disgraceful, crazy, absentminded. Someone sober will worry about things going badly. Let the lover be.” "Why should I be unhappy? Every parcel of my being is in full bloom." ............... Download this book now to experience essential wisdom from the timeless Rumi.

     In this book you’ll find: • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today • 2 questions you must answer before you invest another dime • Why investing after you retire is radically different from investing while you’re still working • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do • The 10 essential questions you must ask a financial advisor—before you hire one • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money “Thurman takes a subject that is often misunderstood, and provides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” –Jimmy J. Williams, CFP®, CPA/PFS CEO/President of Compass Capital Management, LLC “A must for anyone thinking of retiring or recently retired!” –Stan Toler, bestselling author of The Secret Blend

    

    Using these ten steps, you will be able to confidently and effectively negotiate your salary. With helpful tips and questions throughout, this book gives readers the tools to conquer "the evil HR lady." While other books or websites might list a few standard bullet points on the subject from an expert in the HR field, Jim takes a "novel approach," weaving interesting stories, case studies, graphs, humor, and personal experience to make the topic come alive. The book also educates the reader on:Discovering the two simple - but vital - questions you need to answer for successHarnessing your social media network to gather valuable informationMastering successful FBI negotiation techniques to your advantageCreating a one-of-a-kind document to secure the highest salary rangeUsing Jim's "Right back at Ya" Method to regain control of an interview

    Challenges have brought me inner strength and power. Success has brought me responsibility and balance. I have learned through both. And I have learned well. To ask for success is to ask for challenges, that is a truth that I have accepted. And so, I ask for challenges, big challenges, and many challenges. I know that every challenge comes with the unbroken promise of success when it is overcome. Turn The Tables is a journey through challenges into opportunities. Every situation and person that presents itself in your arena is purpose-bound to serve you a unique lesson. When learned, that lesson can bring magic in your everyday life. Be the magician, the source of control and creation, where no matter what life brings to you, your destiny can never be denied.   About the Author Priya Kumar is an Internationally Acclaimed Motivational Speaker and Bestselling Author of 11 Inspirational Books. In her 24 years journey with Motivational Speaking, she has worked with over 2000 Multi-National Corporates across 47 countries and has touched over 3 million people through her workshops and books, and is the only Woman Speaker in India to have done so. She is the only Indian Author who has won 32 International Awards for her books.

    As a result, many people are left with an incomplete understanding of this transformative new technology and its massive implications for the future. The goal of this book is not to plumb the depths of the mathematical wizardry used to code blockchain-based applications, but rather to serve as an introduction to the broader architecture and conceptual background behind blockchain technology. We will take a practical approach, examining how Blockchains are used in the real world. In this short, concise guide you will learn: A Brief History of Blockchain Technology Blockchain Basics: Managing Digital Transactions What is a Distributed Ledger? Blockchain Beyond Bitcoin Implications Of Blockchain: Big Data, Privacy & Personal Data Profiting from Blockchain Technologies Limitations & Challenges of Blockchain The Future of Blockchain For Centuries, people have relied on corrupt Centralized Institutions like banks and Governments to serve as intermediaries when it comes to storing and transacting financial assets. This is ALL About To Change... Make sure you take action and join the Financial Revolution by reading this book!

    But you can do the next best thing, which is to enjoy healthy food even more than you enjoy fast food, and enjoy exercising even more than you enjoy sitting on the sofa. Diet and Fitness Explained is the book that gets under the skin of our eating habits, and provides a simple, easy to understand guide to the entire riddle of diet and fitness.

    Erin recounts her path of achievement starting as a promising young student and athlete and, ultimately, how she allowed her career and its demands to become the center of her life. She sacrificed all other priorities and relationships along the way, throwing work-life balance to the wind. The story reveals the subtleties of the everyday decisions that led collectively to a work-centric existence over a twenty-year career. Set against the backdrop of the dramatic circumstances at Lehman Brothers in 2008, Erin discloses her own struggle as events spiraled out of control. Ultimately, her resignation from her executive role prior to the Lehman bankruptcy resulted in a devastating personal crisis as her career crumbled revealing no foundation beneath it. We learn of the journey back to change her life with a semblance of present day peace and happiness. Full Circle provides a unique inside and emotional perspective of the sacrifices Erin made to achieve extreme career success and the self-awareness required to return to being the fundamentally grounded person she was as a child.

    Goodman & Robert A. Spicer from an original story by George S. Clason ; illustrated by Joseph Feher.-WorldCat

    Kellyann's Bone Broth Diet and The 10-Day Belly Slimdown is back with her quickest, most effective plan yet: a detoxifying and nourishing cleanse program that liberates every cell of your body from poisons that make you sick, tired, and overweight     Even when you think you are eating and living healthfully, your body naturally becomes depleted over time, making it even more difficult to lose weight and maintain the energy and vitality you need to get through the day. This is something Dr. Kellyann Petrucci experienced firsthand in 2017 while she was writing her last book, doing nonstop TV appearances, and running her business. She gained 20 pounds, her hormones went haywire, and she was at a loss for how to turn things around. She decided it was time to hit the reset button and created her simplest plan yet, specifically designed to help the millions of women who are overweight, overworked, and overextended get reenergized both physically and mentally.      This is a comfortable, incredibly powerful 5-day cleanse protocol that resets your metabolism, giving you the kind of quick, confidence-boosting results you need to get back on a healthy track. The power ingredient in the Cleanse & Reset is collagen, which improves skin elasticity and brings back that coveted youthful glow, eases joint pain, heals leaky gut, supports weight management, and has anti-inflammatory properties. The healing and reparative smoothies, shakes, soups, and bone broth blends that you’ll enjoy on the 5-day cleanse are packed with collagen and can be adapted to any diet, with a focus on modifying the cleanse for the keto diet (along with great collagen alternatives for vegetarians and vegans!). The program also includes an optional 1-day “keto push” that you can follow for an extra boost the day before you begin your cleanse. Dr. Kellyann's Cleanse & Reset will help you slim your body, deep-cleanse your cells, and reclaim your energy and focus so you can start feeling truly good again.

    When John Hargrave first invested in cryptocurrency, the price of a single bitcoin was about $125; a few years later, that same bitcoin was worth $20,000. He wasn’t alone: this flood of new money is like the early days of the Internet, creating a new breed of “blockchain billionaires.” Sir John has unlocked their secrets. In Blockchain for Everyone, Sir John reveals the formula for investing in bitcoin and blockchain, using real-life stories, easy-to-understand examples, and a healthy helping of humor. Packed with illustrations, Blockchain for Everyone explains how (and when) to buy bitcoin, cryptocurrencies, and other blockchain assets, with step-by-step instructions. Blockchain for Everyone is the first blockchain investing book written for the layperson: a guide that helps everyone understand how to build wealth wisely. It’s the new investing manifesto!

    That is why a typical investor loses more than one million dollars in his/her investing career (see pages 172-175). The GOOD news is that you can smile now because finally there is a simple solution. Robert Rolih will share with you the details and secret subtleties that will enable you to fire your financial adviser, take control of your money and investments and outperform the pros - while spending only a few hours per year. By reading The Million Dollar Decision, you'll finally discover how to make sure your invested money works for you - and not for the financial industry: The Six Dark Forces of Investing: if you don't learn what these forces are, you will never be able to invest profitably. Get to know them, and Darth Vader will seem like a good guy to you. The Commission Camouflage Effect: learn how the financial industry takes most of your future returns - without you even being aware of it. The most important formula of your financial life: Financial Success Formula. This is an entirely new philosophy on personal finance and investing that will, quite literally, save you financially. If you have adult children, you will want to share it with them right away. Financial safety with the A.R.M.O.R. Formula: even if you are the kindest and most positive person, something unforeseen can happen that turns everything around. Use this simple formula to prevent financial disasters from disrupting your financial security. Selecting the right financial products and minimizing risk: stocks, bonds, mutual funds, index funds, gold, silver. Get a clear answer on how to make the right choices. Investing for retirement or to grow your wealth simply can't get easier! How to beat Richard Branson's speed of creating wealth with one smart move? No hype. Just facts. This will come as a total surprise for you. Short-Term Investing Slaughterhouse: learn the sad truth about short-term trading. If you are thinking about trading stocks, Forex, binary options and other instruments, this chapter will be a life saver. How to get out of the rigged game of investing and add a million to your net worth in just a couple of hours per year? By reading this book you'll have total confidence in yourself when investing and outperform even the experts in just a couple of hours per year. Add this book to cart now and make your Million Dollar Decision! "Being a doctor of medicine I have never enjoyed books about personal finance and investing.

    This is THE yoga guide for men who want an effective, full-body workout that improves overall endurance, core strength, body control, and flexibility, who aren’t interested in changing their lifestyle, listening to an instructor telling them to open their mind, or connecting with the universe while they work out. This eBook will help you accomplish your physical fitness goals, whether that’s playing at the competitive level of sports, working out on a recreational level, or simply going throughout your day without physical pain. Improve your physical fitness, reduce your risk of injury, and feel better. Here are some specific benefits that you can expect to experience by incorporating Yoga Basics for Men, by Man Flow™ Yoga, into your workout routine: 1) Endurance - make it through your whole workout with fewer breaks, play harder in the last few minutes of the fourth quarter, and have more overall energy. 2) Body control - become aware of every muscle in your body, facilitate a better connection between the muscular and skeletal systems and the brain that controls them, and make your body as efficient as possible. 3) Balance - develop balance by learning to actively engage your muscles and improve your ability to respond to perturbations or unbalanced situations. 4) Core strength - learn to properly engage your core and strengthen the main source of power and stability in your body, while improving your posture and taking pressure off of your lower back to improve spinal health. 5) Flexibility - reduced risk of injury, reduced recovery time, and more range of motion to increase your overall strength and power. 
 Some other benefits: - Increase blood flow - Alleviate anxiety and depression - Boost metabolism Many people are also turning to yoga as a form of physical therapy or physical fitness to prevent or reduce injuries. Here is a list of common physical ailments whose side effects can be reduced or altogether eliminated by Yoga Basics for Men, by Man Flow™ Yoga: - Lower back pain - Shoulder/neck pain/tightness
 - Rotator cuff/shoulder issues
 - Muscle cramps
 - Weak ankles (reduce the risk of ankle sprains)
 - Unstable knees (help MCL, ACL, or subluxation of the knee) - Tendonitis - Carpal tunnel syndrome
 - Sciatica
 - Disc herniation
 - SI instability
 - And many more... This eBook includes: 1) Physical Benefits - explains the physical benefits that you can expect to experience through incorporating Yoga Basics for Men, by Man Flow™ Yoga, into your workout routine. 2) Key Concepts - Learn the key concepts necessary to safely and effectively do yoga. 3) Exercise Guide - Learn the proper technique for 32 hand-selected exercises (poses) which will help you reap the physical benefits of yoga. This section also includes the target area, practical benefits, and tips for each exercise.4 4) Sequencing - learn how to put exercises together to make an effective and safe yoga workout. The eBook also provides several sample sequences to help you learn the basics of sequencing before making your own.

    Find all of the following, explained in plain-English with no legal jargon:Business Taxation 101: A brief primer on tax topics in general, especially as they apply to businesses.Home Office Deduction: How to ensure you qualify for it and how to calculate it.Estimated Tax payments: When and how to pay them, as well as an easy way to calculate each payment.Self-Employment Tax: What it is, why it exists, and how to calculate it.Business Retirement Plans: What the different types are, and which one is best for you.Numerous Business Deductions: Several deductions explained in detail, including how to make sure you can qualify to take them and how to maximize them.Audit Protection: Learn what records you need to keep (and how long to keep them) in order to protect yourself in case of an audit.