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.

    Kabbalah, in fact, offers arguably the oldest and wisest application of astronomy and astrology known to humankind. Kabbalistic Astrology is a tool for understanding one's individual nature at its deepest level and putting that knowledge to immediate use in the real world. A natural addition to Berg’s many writings on spirituality, the book explains why destiny is not the same as predestination and shows that we have many possible futures and can become masters of our fate. Written in Berg’s trademark clear, intelligible style, the book teaches how to discover challenges faced in previous incarnations and how to overcome them, as well as the secrets to finding the love, success, and spiritual fulfillment.

    He substantiates and qualifies his arguments with examples from the Qur'an, Sunnah and the lives of the Salaf - the pious predecessors. He shows how guidance for others can come in the form of a kind word, letter and even a tape recording. He demonstrates how this is one of the best ways to help lost souls and gain blessings from Almighty Allah.

     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

    He is admired and ridiculed, embraced and rejected. If you want to provoke controversy and emotional discussion, just mention His name.Jesus was inclusive when He welcomed all the weary and burdened to come to Him and experience the love of His Father. But He was not open-minded when it came to the truth. He stated that He was the truth. And this flies in the face of current politically correct thought.In Politically Incorrect Jesus, Joe Battaglia exposes the intellectual dishonesty of political correctness and presents Jesus as the model for embracing a counter-cultural faith, which empowers us to be salt and light. Be bold and stand firm in your faith when the culture demands you stand down.

    Ready for it?"God is here."It may sound obvious at first, but truly understanding these three words is the key to more happiness, less boredom, more rest, less rush, more love, less drama, more peace, less fear.A deeply satisfying life doesn't require a sabbatical, a mission trip, or a New Year's resolution. As long as God is glorious enough and near enough, you can enjoy the life that is truly life--not just the cheap substitutes we've settled for.This book will help you move from just enjoying the good moments in life to worshiping the God who is right here, right now. This movement will exponentially increase your happiness, peace, and contentment. It will allow you to shake off the guilt and shame of sin and see yourself as God sees you. Learn how to recognize God's impact on your life and find the joy he's been waiting to give you.

    Although his seventy-hour workweek has already eaten into his limited family time, Nick can’t pass up the opportunity to see what kind of plot his colleagues have hatched.The normally confident, cynical Nick soon finds himself thrown off-balance, drawn into an intriguing conversation with a baffling man who appears to be more than comfortable discussing everything from world religions to the existence of heaven and hell. And this man who calls himself Jesus also seems to know a disturbing amount about Nick’s personal life.………….."You’re bored, Nick. You were made for more than this. You’re worried about God stealing your fun, but you’ve got it backwards.… There’s no adventure like being joined to the Creator of the universe." He leaned back off the table. "And your first mission would be to let him guide you out of the mess you’re in at work."…………. As the evening progresses, their conversation touches on life, God, meaning, pain, faith, and doubt–and it seems that having Dinner with a Perfect Stranger may change Nick’s life forever. From the Hardcover edition.

    Appropriate for personal study and as a college and seminary text, this volume provides both in-depth notes and lay-oriented exposition for use by scholars, students, pastors, and laypeople. An ever-increasing interest in the prophecies of the Apocalypse has resulted in deeper understandings which are introduced in this updated edition.

    A broken heart can be mended. And lost dreams can become the greatest source of hope. But there is so much more to the story of Ruth. Ruth was not afraid to step out of her comfort zone and embrace new possibilites. She ventured past cultural limitations to discover a life of fulfillment. She was willing to risk it all and be stretched.  For those who feel an affinity to this woman of God, it's time to break boundaries and conquer new territories. This is the core of The Ruth Anointing: a courageous, bold, faith-filled, and resolute pioneering spirit.  MICHELLE McCLAIN-WALTERS SHOWS HOW OPERATING IN AN ANOINTING SIMILAR TO RUTH'S WILL REVEAL THE REDEMPTIVE WORK OF JESUS ALL OVER THE WORLD.

     Meditation is the way to develop your spirit man. It helps get our minds better prepared for prayer. We are better able to focus and worship God in spirit and in truth. As you meditate on God’s word, you help your spirit, soul, and body become more detached from the influences of the world; you detach your affections from what’s not necessary and re-channel them to the most important things of life. You open yourself up to divine encounters that will establish your destiny. When you “meditate” on God’s words, they become “His sayings.” That is, God begins to talk to you through them. The Holy Spirit amplifies the Words inside of you and gives you details that could have only come from God. You gain direction. This small booklet will show you: =>What is bible meditation? =>10 benefits of meditating on the word of God. =>The 7-step method for effective Bible meditation. =>Biblical meditation techniques. =>How to meditate and talk to God. =>How to meditate on the word of God daily. =>Meditate on God's word day and night scriptures. If you desire to grow in the knowledge of God and enrich your prayer life, then this book will certainly guide you on that path.

    Such a straightforward book that has multiple layers of energy and helps develop spirituality just by daily reading. This treasure reveals: The path of knowledge & understanding Union of spirituality and science The I Am Spiritual Findings Spiritual evolution and its cyclical trends

    Riveting true stories and biblical insights fill this inspiring exploration of how angels intervene in our lives every day--whether or not we're aware of them.

    And it breaks our heart because we try so hard to connect to Him, yet we are just distracted with the worries of this world. What then can we do, to reawaken this longing for closeness to Him, the longing to rely on His forgiveness and mercy?It is not easy to call upon the heart to be present in prayers. We try our best to connect to Him, but still we find our mind wandering someplace else. Thus, in this book, Ayesha Syahira shares with raw honesty about her reflections on discovering the beauty of prayers through patience, surrendering and hope.

    For those who have known and loved these works in the past, this is an invitation to reunite with old friends in a fresh new format. From Shakespeare s finesse to Oscar Wilde s wit, this unique collection brings together works as diverse and influential as The Pilgrim s Progress and Othello. As an anthology that invites readers to immerse themselves in the masterpieces of the literary giants, it is must-have addition to any library.

    And it is in submission to God and living a God­oriented life that man finds complete fulfilment and purpose of life. When he discovers God and worships Him, when he remembers Him, when his mind is turned towards Him with full concentration, when he makes a request or a plea, he establishes a contact with his Creator. In the words of the Hadith, at that particular moment he comes to whisper with his Lord. He has the tangible feeling that he is pouring his heart out to God and that God in turn is answering his call. He starts receiving inspiration from God. This is the beginning of living a God­Oriented Life and the development of a positive personality.