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.

     You cannot underestimate the power of controlling your income. Learn how to blast through every roadblock keeping you from starting your own business. From "don't know where to start" to "I'm not good with technology" to "I don't have the confidence" to "I don't have enough time," Fire Your Boss sets all those excuses on fire with simple and actionable business models that you can start in your spare time to start building up your savings account. What pragmatic and actionable lessons will you learn? Sixteen business models that all cooperate with each other The simple technique for turning your voice into an ATM machine The secret to building a business when you don't have any time The foolproof method for getting paid to learn The most common mistakes even experienced entrepreneurs make and how to avoid them. The singular best way to create an unstoppable passive revenue stream Here's what this book ISN'T: this isn't a list of startups you can slave away for,a guide on how to joing the "gig economy," or a plan to get a promotion at work. This is about building consistent and passive revenue streams that can support you when shocks hit the market and the economy turns against you. How will your life improve? Never live in fear of getting fired every again Go to sleep knowing that TOMORROW THERE WILL BE MORE MONEY IN YOUR BANK ACCOUNT THAN TODAY Follow a process that allowed the author to move to a tropical island Chase your dreams without letting stress and fear hold you back Implement these techniques and watch your happiness skyrocket. Follow this amazing journey and take control of your destiny by scrolling up and clicking the BUY NOW button at the top of this page! Serve No Master Series: Book 0

    . .Thirty years ago, Jack Trout and Al Ries published their classic bestseller, Positioning: The Battle for Your Mind--a book that revolutionized the world of marketing. But times have changed. Competition is fiercer. Consumers are savvier. Communications are faster. And once-successful companies are in crisis mode.Repositioning shows you how to adapt, compete--and succeed--in today's overcrowded marketplace. Global marketing expert Jack Trout has retooled his most effective positioning strategies--providing a must-have arsenal of proven marketing techniques specifically redesigned for our current climate. With Repositioning, you can conquer the "3 Cs" of business: Competition, Change, and Crisis . . .BEAT THE COMPETITION: Challenge your rivals, differentiate your product, increase your value, and stand out in the crowd.CHANGE WITH THE TIMES: Use the latest technologies, communications, and multimedia resources to connect with your consumers.MANAGE A CRISIS: Cope with everything from profi t losses and rising costs to bad press and PR nightmares.Even if your company is doing well, these cutting-edge marketing observations can keep you on top of your game and ahead of the pack. You'll discover how expanding product lines may decrease your overall sales, why new brand names often outsell established brands, and why slashing prices is usually a bad idea. You'll learn the dangers of attacking your competitors head-on--and the value of emphasizing value. You'll see how consumers can have too many choices to pick from--and what you can do to make them pick your brand.Drawing from the latest research studies, consumer statistics, and business-news headlines, Trout reveals the hidden psychological motives that drive today's market. Understanding the mindset of your consumers is half the battle. Winning in today's world is often a matter of repositioning. It's how you rethink the strategies you've always relied on. It's how you regain the success you've worked so hard for. It's how you win the new battle of the mind.

    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.

     "David Garfinkel is my friend, my mentor, and my copywriting guide. I've hired him in the past, we've coauthored projects together, and I turn to him for advice and guidance. I also send clients to him from time to time. He can make copywriting seem simple because of the way he teaches, explains, and gently awakens the slumbering copywriter inside you. If you have the opportunity to learn from him, take it — your life (and your fortune) will be changed forever for the better.” Joe Vitale, best selling author of "Attract Money Now", "Zero Limits", "The Miracles Manual" and more. "David Garfinkel has generated tens of millions of dollars in sales - and substantial profits - for his clients. To paraphrase the old Dean Witter ad, 'When David Garfinkel speaks or writes, savvy marketers listen and act.'" Alan N. Schlaifer, President, The Wharton School Club, Washington, DC "David, thank you for your copywriting help. With the information you helped me with, I was able to write a brand new website salesletter that sold over 211 CD's in less than 3 days. Because of this new salesletter, I will put a extra $60,000 of cold hard cash in my pocket this month. Your information is invaluable! Thank you, Thank you, Thank you!" Matt Bacak, The Powerful Promoter, powerfulpromoter.com Copywriting is the heart of entrepreneurship and should: (1) produce a bankable return on investment from advertising, (2) generate measurable results and (3) rely on proven direct response methods that work by formula rather than by guesswork. Try getting that from mainstream ad agencies. Good luck. Because their agenda is not to help you make a profit… but… to make a profit for themselves. However, if you want to know what works in the real world… then… "Breakthrough Copywriting" is mandatory. Because you won’t stumble across this amazing stuff anywhere else. Here is just a little of what you will discover inside: • How to apply the secret Breakthrough Copywriting Model I invented! My four-part formula lets anyone write brutally-effective copy that maximizes the response and profits of any ad or website! • What “Copywriting Junction” is… and… why it holds the key to making the most money from advertising… no matter what business you’re in! • How to write better ad copy than 99.5% of all traditional agencies! (Never be at the mercy of another ad agency, consultant or copywriter who doesn’t know what they’re talking about – most don’t - again.) • The forbidden “Eavesdrop” secret - taught to Hollywood screenwriters – guaranteed to warp speed your copywriting ability from novice to expert in no time flat! • The “C” Factor: How it forces people to read your ad, letter or website from top to bottom… whip out their wallet… and… buy on the spot! • How to write emotion-packed copy that generates immediate response! • How to get a flood of customers – in fact, more than you could handle – without the usual frustration, stress and struggle! • How to tap the deep reservoirs of the

    On Twitter, word can spread faster than wildfire. Companies no longer have the option of ignoring the conversation. Unlike other hot social media spaces, "Twitterville" is dominated by professionals, not students. And despite its size, it still feels like a small town. Twitter allows people to interact much the way they do face-to-face, honestly and authentically. One minute, you re com- plaining about the weather with local friends, the next, you re talking shop with a colleague based halfway across the globe. No matter where you re from or what you do for a living, you will find conversations on Twitter that are valuable. Despite the millions of people joining the site, you ll quickly find the ones who can make a difference to you. Social media writer Shel Israel shares revealing stories of "Twitterville" residents, from CEOs to the student who became the first to report the devastation of the Szechuan earthquake; from visionaries trying to raise money for a cause to citizen journalists who outshine traditional media companies. Israel introduces you to trailblazers such as: . Frank Eliason, who used Twitter to reverse Comcast s blemished customer service reputation . Bill Fergus, who was on the team at Henry Ford Medical Center during the first live tweeted surgery . Scott Monty, social media officer for Ford, who held off a mob of misinformed Ranger fans and averted a PR crisis . Connie Reece, who used Twitter to raise tens of thousands of dollars for cancer patients in need . The Coffee Groundz, a Houston-area coffee shop that uses Twitter to pack the tables (and fight off Starbucks) "Twitterville" features many true stories as dramatic as these. But it also recounts those of ordinary businesspeople who use Twitter to get closer to their customers. And it explains how global neighborhoods will make geography increasingly irrelevant. It even explains why people sometimes really do care what you had for lunch."

    At the very heart of responsibility is industry and commerce, with everyone now racing to create their 'environmental' business strategy. In line with this awareness, there is much discussion about the 'green marketing opportunity' as a means of jumping on this bandwagon.We need to find a sustainable marketing that actually delivers on green objectives, not green theming. Marketers need to give up the many strategies and approaches that made sense in pure commercial terms but which are unsustainable. True green marketing must go beyond the ad models where everything is another excuse to make a brand "look" good; we need a green marketing that "does" good."The Green Marketing Manifesto" provides a roadmap on how to organize green marketing effectively and sustainably. It offers a fresh start for green marketing, one that provides a practical and ingenious approach. The book offers many examples from companies and brands who are making headway in this difficult arena, such as Marks & Spencer, Sky, Virgin, Toyota, Tesco, O2 to give an indication of the potential of this route. John Grant creates a 'Green Matrix' as a tool for examining current practice and the practice that the future needs to embrace. This book is intended to assist marketers, by means of clear and practical guidance, through a complex transition towards meaningful green marketing. Includes a foreword by Jonathon Porritt.

    According to the authors,effective human resource management is necessary for a firm to gain true competitive advantage. The three challenges companies face are the global challenge,the challenge of meeting stakeholder needs,and the high performance work practices challenge. HUMAN RESOURCE MANAGEMENT provides students with the technical background needed to be a successful HR professional,to manage HR effectively,and most importantly to be a knowledgeable consumer of HR products and services. The text also emphasizes how managers can more effectively acquire,develop,compensate,and manage the internal and external environment that relates to the management of human resources.

    

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    This comprehensive, market-leading text emphasizes the three major driving forces behind e-commerce: technology change, business development, and social controversies. Each of these driving forces is represented in every chapter, and together they provide a coherent conceptual framework for understanding e-commerce, typical of Laudon books. The book offers in-depth and comprehensive coverage of concepts in marketing, economics, IS/IT, privacy and intellectual property. The book contains numerous case studies and an additional case book is available.

    Playing on women's compassion and ability to be hooked into "uplifting" stories with a moral or happy ending, American media has convinced the most well-educated, rich and healthy audience in history that they are miserable. She dissects why: --liberal celebrities' messages aren't scrutinized and in fact presented with a halo of approval --middle class American women have been sold stress as the new scourge of modern life --media paints a negative picture of women's lives today, at exactly the moment when women have more money, privlege and choices than ever before --the club of liberal women who run magazines and television shows have an outsize and lock-step affect on what we "know" about the major issues of the day--the incestuous relationship between celebrities and media has corrupted journalism --magazines rarely tell stories about the majority of women whose conservative views don't mesh with their own

    Everybody knows mobile is the future, and every business wants in, but what are the elements of mobile success? SC Moatti, a Silicon Valley veteran, has created a unique Mobile Formula that makes it easy for any business to develop a strategy for creating mobile products that count. Moatti argues that we so identify with our mobile products that we expect from them what we wish for ourselves: an attractive body, a meaningful life, and increasing competence and ability. So the Body Rule dictates that mobile products must appeal to our sense of beauty but beauty in a mobile world is both similar to and different from what it means offline. The Spirit Rule says mobile products must help us address our deepest needs, both as individuals and as members of communities. And the Mind Rule explains that businesses that want to succeed in mobile need to continually analyze the user experience and use that data to refine and improve their products. Great mobile products replicate and amplify human behavior and interaction, writes Moatti. They don't replace human relationships; they enhance them. A strategy manual rather than a technical treatise, Mobilized includes case studies from mobile pioneers such as Facebook, Uber, Tinder, WhatsApp, and more. The market is full of how-to books for programming apps, but no works examine what is required for business success in the mobile era. Until now."

    I'll show you where to find the best materials from the best suppliers to fuel your Etsy selling success.After getting more than 1 million views on YouTube with over 100,000 follow up questions answered for handmade businesses since 2012, Renae Christine has learned that 90% of handmade businesses fail within the first 5 years due to lack of proper suppliers or the know-how to find those suppliers of the best materials.Read this resource guide to learn:Why every Etsy seller and handmade business owner needs a supplier.Why you should avoid your local craft store's clearance section like the plague.Common mistakes that you could be making.How much money you need to place an initial order, which might surprise you.Where to find tens of thousands of proper material suppliers.The questions to ask before taking on a supplier and placing an order so you don't waste your money.15 of Renae Christine's favorite suppliers from a convention she scoured just for handmade businesses.Additional bonus suppliers listed from different handmade industries.Is this resource guide for you?You need this guide if you:You're in the 'Etsy business for beginners' phase of businessYou feel like your business or Etsy shop just can't get off the ground and you don't know whyYou want to learn how to sell on Etsy through proper strategies and avoid making mistakesRenae Christine has been featured in Yahoo Finance, ABC, CBS, Reuters, Bloomberg Business Week and in thousands of other publications worldwide. She is the worldwide known business coach for everything handmade. Renae is even more rare because she built a six-figure stationery business herself.

     The fact is, in today's world of constant distractions, most business owners struggle to get their marketing messages heard. Authority Content provides a simple process that any company can use to break through the noise. It doesn't matter whether you're the owner of a retail shop, financial advisor, swimming pool manufacturer or an inventor with an ingenious product - this powerful strategy will work for you. Built on the "3 Ps" framework (Present, Product, Promote) this book teaches you a step-by-step system for building authority within your industry thus sky-rocketing website traffic and sales. You will discover how to: Build maximum Authority, in minimum time Have your prospects, clients and Google fall in love with you Turn one day's work into months of content and share it around the web Write your own book easily and in record time Build your brand, sales and credibility Book website: AuthorityContent.com