Then he falls asleep, and, with the help of his magic teddy bear, Berry, is whooshed off to places full of fun, wonder, and ice cream!Follow along on this delightful rhyming story about the imagination.Another quality children picture book from fatmoonbooks.com<h2>** Amazon Prime Members can download this book for FREE! **</h2>

    

    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.

    From Donald Crews, the Caldecott Honor artist and award-winning creator of Truck, Freight Train, and many other classic picture books for young children, this picture book is a fun introduction to basic math concepts.What can you do with ten black dots?One dot can make a sun, two dots can make the eyes of a fox, and three dots can make a snowman's face.And that's just the beginning in this unique counting book! Children will develop visual learning skills, explore creativity, and practice counting numbers, all in one deceptively simple—and fun!—picture book.A proven favorite at home and in the preschool classroom.

    Perfect for visual learners! Simple, clear, practical, 26 Letters and 99 Cents teaches the most basic building blocks of life skills. Sit together with a child at home or in a preschool classroom and use coins and an alphabet sheet alongside this book to enjoyably teach ABCs and counting.In a starred review, School Library Journal said, “Children will enjoy manipulating money, numbers, and letters to correspond to the photographs in this book.”Readers can start from either side of the book. “Hoban’s crisp photo-essay presents images of upper- and lower-case letters beside objects beginning with that letter; reverse the book, and numerals are shown alongside coins that total that amount,” explained Publishers Weekly.

     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

    

    Meet circles, rectangles, ovals, arcs, and a triangle and a square as well. Wait till you see what this crowd can make when they’re all working together!

    Along the way, the children encounter all sorts of animals including elephants, lions and monkeys, while counting from one to ten in both English and Swahili. The lively, rhyming text is accompanied by an illustrated guide to counting in Swahili, a map, notes about each of the animals, and interesting facts about Tanzania and the Maasai people. A portion of the proceeds from the sale of each book will be donated to the African Wildlife Foundation, to aid their wildlife conservation and community building efforts in Tanzania. (Softcover) 32pp;10.25 x 10 inches

    and Mrs. Hilbert’s Hotel Infinity, the resident cat is puzzled. The hotel is fully booked — the rooms are full of Numbers, both Odds and Evens — yet guests continue to arrive. When Zero shows up, there’s a massive room switching, and he stays, even though Mr. Hilbert insists he’s not really a Number. Then the Letters appear and everyone still has a room, even though no Numbers have left. No matter how many guests arrive or depart, the hotel accommodates them all, and is always full. But when the Fractions arrive, demanding rooms, real chaos threatens. Can an ingenious solution be found to house them all?Based on mathematician David Hilbert’s famous paradox of the Grand Hotel, The Cat in Numberland offers a refreshingly clear explanation of infinity for readers of all ages. John O’Brien’s imaginative line drawings further elucidate the complex concept, as well as simple functions like addition, subtraction, division, and multiplication.

    Splash goes the cat! Splash goes the dog! Who's jumping in the pond? Falling in and crawling out, how many animals can you count?

    There is nothing wrong with that desire. But you must have known the secrets of avoiding losses. Share Market is a field that has of late developed overwhelmingly. Millions of people invest in it with enthusiasm and are interested in knowing details about this grey area. Sadly, not everyone who invests in it earn profits. Some people who constantly learn end up earning, but those who do not know anything about it and put their trust on luck lose miserably. This book shows the way to avoid losses and increase gains in share market. This comprehensive book touches upon every aspect of stock market investment. A fantastic starting point for anyone aspiring to enter into the unknown world of share market. Even for investors who are already in the market, this book can serve a guide. People say, you either earn or learn in share market. This book preaches the secrets of learning and earning at the same time. This work takes you through an introduction about shares, functioning of share markets, relevance of stock market indices and different approaches for primary & secondary market investments. In also talks about the real qualities of an investor and how he differs from a speculator in the marketplace. Relationship between inflation & investments and the need for achieving inflation adjusted returns are stressed upon. Various stock selection processes, approaches to adapt for different market conditions and more more importantly the art of avoiding losses are discussed in details. You will learn how to analyse a company, its shares, market dynamics, how to value a business, what price to pay for a company etc. All important parameters, numbers and ratios are explained with interesting real time illustrations. Difference between value investing and growth oriented stock selection process is analysed thoroughly, Likewise, fundamental analysis and technical analysis are compared in a rational way. On top of these, this books describe the qualities that differentiate successful investors from ordinary ones. Those qualities are analysed in detail. More importantly, the book stresses the importance of identifying bad companies and unethical management, and teaches how to stay away from them.

    This book explains how 10 of the worlds richest people made their fortune, it also contains tips and secrets on how to become a self-made millonaire.

    Teachers will find- activities that highlight the book's main message and tie students' responses to reading, writing, speaking, listening, and representing- activities that connect the topic of the book to other curriculum areas- notes to teachers with suggestions on how to implement an activity, adapt the activity to different levels and interests, and involve the home and community- quizzes to help assess an individual student's comprehension- reproducible blackline masters for students to use as worksheets for an activity- 48 pages; 8 1/2 x 11 binder; B&W text; full-color cover

    All she has to eat are sour lemons. One day she spies a banana tree on a faraway island, but the only way to get there is to navigate the crocodile-infested waters of the Sillabobble Sea. That’s no problem when you’re a brave and clever monkey who can count to ten and back!