"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

    This encouraging change not only has benefited veterans but also provides a blueprint for salvaging America's own deeply troubled healthcare system. "Best Care Anywhere" shows how a government bureaucracy, working with little notice, is setting the standard for best practices and cost reduction while the private sector is lagging in both areas. Author Phillip Longman challenges conventional wisdom by explaining exactly how market forces work to lower quality and raise prices in the healthcare sector, and how U.S. medical practices have a weak basis in science. The book, expanded from a widely praised article in the "Washington Monthly," mixes hard facts with author Philip Longmans' compelling human story of the loss of his wife to cancer. Part manifesto, part moving memoir, "Best Care Anywhere" offers new hope for addressing a major problem of contemporary society that affects all of us.

    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.

    Financial Modeling bridgesthis gap between theory and practice by providing a nuts-and-bolts guide to solvingcommon financial models with spreadsheets. Simon Benninga takes the reader step bystep through each model, showing how it can be solved using Microsoft Excel. Thelong-awaited third edition of this standard text maintains the "cookbook"features and Excel dependence that have made the first and second editions sopopular. It also offers significant new material, with new chapters covering suchtopics as bank valuation, the Black-Litterman approach to portfolio optimization, Monte Carlo methods and their applications to option pricing, and using arrayfunctions and formulas. Other chapters, including those on basic financialcalculations, portfolio models, calculating the variance-covariance matrix, andgenerating random numbers, have been revised, with many offering substantially newand improved material. Other areas covered include financial statement modeling, leasing, standard portfolio problems, value at risk (VaR), real options, durationand immunization, and term structure modeling. Technical chapters treat such topicsas data tables, matrices, the Gauss-Sidel method, and tips for using Excel. The lastsection of the text covers the Visual Basic for Applications (VBA) techniques neededfor the book. The accompanying CD contains Excel worksheets and solutions toend-of-chapter exercises.Simon Benninga is Dean of the Facultyand Professor of Finance at Tel Aviv University and Visiting Professor of Finance atthe Wharton School at the University of Pennsylvania.

    They should capitalize on it—and give a middle finger to those brokers wasting their time (and money) buying and selling, viewing investing as just buying stocks and not taking ownership of a company.In this book, Joe Ponzio gives an "f-you" to Wall Street and teaches you how to become a sharp value investor who uses economic downturns to your advantage. By buying into companies you believe in—but that may be selling for less than their intrinsic value, like high-end retailers in a weak market and discount retailers in a strong one—you will profit from their long-term performance. It's the perfect guide for anyone fed up with Wall Street's bull.

     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

    Changes in the fifth edition include: A new chapter on credit derivatives (Chapter 21). New! Business Snapshots highlight real-world situations and relevant issues. The first six chapters have been -reorganized to better meet the needs of students and .instructors. A new release of the Excel-based software, DerivaGem, is included with each text. A useful Solutions Manual/Study Guide, which includes the worked-out answers to the "Questions and Problems" sections of each chapter, can be purchased separately (ISBN: 0-13-144570-7).

    This title presents the use of focus companies and the financial statements. The decision-making focus shows the relevance of financial accounting regardless of whether or not the student has chosen to major in accounting.

    Adapted from the comprehensive, even epic, works Derivatives and Paul Wilmott on Quantitative Finance, Second Edition, it includes carefully selected chapters to give the student a thorough understanding of futures, options and numerical methods. Software is included to help visualize the most important ideas and to show how techniques are implemented in practice. There are comprehensive end-of-chapter exercises to test students on their understanding.

    Covering the latest developments in computer technology, technical tools, and indicators, the second edition features new material on candlestick charting, intermarket relationships, stocks and stock rotations, plus state-of-the-art examples and figures. From how to read charts to understanding indicators and the crucial role technical analysis plays in investing, readers gain a thorough and accessible overview of the field of technical analysis, with a special emphasis on futures markets. Revised and expanded for the demands of today's financial world, this book is essential reading for anyone interested in tracking and analyzing market behavior.

    As a result, the 8th edition maintains the strengths of previous editions but is enhanced with new material and current examples from public finance literature and the policy world. It includes substantive changes that reflect the progress that has been made in the field of public finance. These changes may be divided into three categories: new organization, new material, and new pedagogical features. As with previous editions, the book continues to draw upon the latest research while never losing sight of the reality it is supposed to describe, always drawing the links between economic analysis and current political issues.

    Then as now, many people considered globalization to be inevitable and irreversible. Yet the entire edifice collapsed in a few months in 1914.Globalization is a choice, not a fact. It is a result of policy decisions and the politics that shape them. Jeffry A. Frieden's insightful history explores the golden age of globalization during the early years of the century, its swift collapse in the crises of 1914-45, the divisions of the Cold War world, and the turn again toward global integration at the end of the century. His history is full of character and event, as entertaining as it is enlightening.

    It is planned to give a solid basis of the structures and vocabulary of English. Each book contains material for about a year's work, the vocabulary rising to some 3,000 words.The Teacher's Books provide notes on each lesson, the vocabulary to be taught, supplementary grammatical material and answers to exercises.In this new edition some of the grammatical sections have been, rewritten and expanded, and parts of the text and many illustrations have been brought up to date. Fundamentally, however, the new edition remains the same as previous editions.

    Crafted and edited with care, Worth Books set the standard for quality and give you the tools you need to be a well-informed reader.    This short summary and analysis of The Handmaid’s Tale by Margaret Atwood includes:   Historical context Part-by-part summaries Analysis of the main characters Themes and symbols Important quotes Fascinating trivia Glossary of terms Supporting material to enhance your understanding of the original work   About Margaret Atwood’s The Handmaid’s Tale:   Margaret Atwood’s dystopian literary masterpiece tells the story of Offred, a Handmaid living in the near future in what was once the United States. A new theocratic regime called the Republic of Gilead has come to power and changed life as she knew it.   Once Offred had a her own name and a loving family—a husband and daughter—both of which were taken from her; now she belongs to the Commander and his hostile wife, and her only value lies in her ability to bear a child for them. She used to read books and learn; now such things are forbidden to all women.   Gripping, disturbing, and so relevant today, The Handmaid’s Tale is a brilliant novel and a chilling warning about what can happen when extreme ideas are taken to their logical conclusions.   The summary and analysis in this ebook are intended to complement your reading experience and bring you closer to a great work of fiction.

    Ignatavicius and M. Linda Workman cover all the latest trends, evidence-based treatment guidelines, and additional updated information needed for safe clinical practice in medical-surgical nursing. This seventh edition features an expanded emphasis on patient safety and NCLEX? Examination preparation, new ties to the QSEN priorities for patient safety, and a greater alignment with the language and focus of clinical practice. A new chapter on evidence-based practice and a wealth of effective online learning tools help solidify your mastery of medical-surgical nursing.