During it, both Henry and Naomi lost their lives and left their seven children orphaned. Later adopted by Marcus and Narcissa Whitman, missionaries in what is now Washington, they were orphaned a second time, when both their new parents were killed during the Whitman massacre in November 1847. About 1860 Catherine, the oldest girl, wrote a first-hand account of their journey across the plains and their life with the Whitmans. Today it is regarded as one of the most authentic accounts of the American westward migration.

    What made ancient India the Golden Bird in the first place? What did China, the Land of the Dragon, have in common with India, and when did these two ancient civilizations diverge on their paths to global success? Raina Singhwi Jain discusses the immediate need and measures for a quantum jump in our attitude towards development. While conventional wisdom suggests improvements in manufacturing, the ease of doing business and digital technology, Jain goes a step further, drawing surprising parallels between other areas that beg our attention—process engineering, communication design, journalism, and education. This is a work of reflection and a call to action, urging Indian denizens to act now for a revival of the genius that lies dormant within each one of us.

    Economics, finance, business & management

    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.

    

    And yet, the generation that propelled this growth is facing rising levels of stress and depression. Furthermore, the new generation entering the workforce today dreams big but faces a highly competitive work environment. How can both these generations fire on all cylinders and lead fulfilling lives? This book attempts to answer this question by using the principles of Simplicity, Specialization, Creativity and Collaboration. It delves into a treasure trove of material from global gurus as well as from highly successful Indian and American professionals, and it draws on the authors' own careers to show how readers can apply these principles to the fields of business and investment, even to life itself. The Victory Project is the ultimate guide to surviving and thriving in the professional and social domains, which are increasingly becoming tough, competitive, often cutthroat and deeply political.

    So when she discovers the picturesque cottage for sale on the internet she instantly falls in love with the place and when her husband John agrees to view the property she comes to believe that it is written in the stars that this will be their new forever home. Rosebud Cottage sits on the clifftops commanding breath-taking views of the sea, a vista that is forever changing, and one that instantly fills them both with a sense of belonging. Though things are about to change, as a simple walk on the pebbled beach at Seaview Cove turns into a nightmare for Emily as she discovers a body hidden by the rocks, a man is sprawled on the stones, eyes closed, arms outstretched his wild black hair matted with blood. Though by the time she raises the alarm and dashes back to the beach she is left stunned to find the man has vanished. So starts the mind bending mystery as Emily tries to navigate her way through the labyrinth of her own mind, and as those around her become more concerned with her behaviour, she finds herself doubting her own sanity. As obsession takes over, Emily comes to realise that sometimes even the most tranquil of surroundings can mask the most devastating of crimes. As the weather changes and the storms arrive Emily Green finds herself trapped in a dark place, a place where even her own senses are not to be trusted. And as she tries to hold onto her sanity, someone is watching from the shadows, someone with evil on their mind.

    Doctor David Miller, the driver of the second car, pulled the unconscious Jessie from the wreckage. After the ambulance drove away, David doubted he'd ever see the stunning blonde again. Yet, a little over a year later, Jessie and her domineering mother walked into his office in Augusta, Georgia. Jessie's mother was insistent that Jessie needed psychotherapy. Was it a coincidence or fate that had brought the two back together? Would David find a way to save Jessie again? Or would the attraction between the two, along with Jessie's fears and David's secrets, tear Jessie's life apart once more?

    This book is written in a simple manner for readers to understand the various terminologies and working process of the financial markets. If you are looking to understand and enter the stock markets but don't know from where to start, then this book is for you. The basic concepts are same for Indian and overseas markets so it will help you understanding both. It will help you as a reference guide for investing in stock markets. Specifically it will help you in:- 1. Know basic terms and conditions of the stock market. 2. Know products and services associated with the stock market. 3. Know how to kick start in stock markets. 4. know Do's and Don'ts in Stock Markets. 5. Selecting a broker. 6. How to make your first trade. 7. Additional mental mastering technique that will help you to achieve more on markets as well in life. 8. Insight of a trader/investor who has more than 10+ years of experience in stock markets. 9. Illustrated examples for more clarity on topics.

    As of January 14, 2016, this is an unverified document. NOTE: this document has been reformatted for the Kindle. It can be searched, bookmarked, annotated, etc. It is not a dump of the PDF.

     It is 1930, the midst of the Great Depression. After her mysterious role in a family tragedy, passionate, strong-willed Thea Atwell, age fifteen, has been cast out of her Florida home, exiled to an equestrienne boarding school for Southern debutantes. High in the Blue Ridge Mountains, with its complex social strata ordered by money, beauty, and girls’ friendships, the Yonahlossee Riding Camp for Girls is a far remove from the free-roaming, dreamlike childhood Thea shared with her twin brother on their family’s citrus farm—a world now partially shattered. As Thea grapples with her responsibility for the events of the past year that led her here, she finds herself enmeshed in a new order, one that will change her sense of what is possible for herself, her family, her country. Weaving provocatively between home and school, the narrative powerfully unfurls the true story behind Thea’s expulsion from her family, but it isn’t long before the mystery of her past is rivaled by the question of how it will shape her future. Part scandalous love story, part heartbreaking family drama, The Yonahlossee Riding Camp for Girls is an immersive, transporting page-turner—a vivid, propulsive novel about sex, love, family, money, class, home, and horses, all set against the ominous threat of the Depression—and the major debut of an important new writer.

    'I am really sorry but both the girls are dead'. Dennis McKenzie was brought to the world's attention following his involvement in the tragic Soham murder case. Making stunningly accurate predictions about the deaths of Holly Wells and Jessica Chapman, he was dubbed the 'Soham Psychic'. Since then, Dennis's expertise has continually been drawn on to help solve many horrific crimes, including the case of the 'BTK' Killer - a serial killer who bound, tortured and killed women in Wichita, Kansas and evaded the police for over 30 years. An ordinary boy from a working-class background, Dennis never imagined his life would follow such an extraordinary path. From his first psychic sighting at the age of four to his traumatic prediction of a family friend's death, Dennis shares the experiences that have defined his remarkable life in his typically frank and down-to-earth way. This is the fascinating story of how Dennis discovered his gift and how, with the help of his spirit guides, he has shared his psychic wisdom with the world.

    The residents of this sleepy little town are none the wiser, but everyone sure knows about Oregon Investigations. Cousins Jack and Liam, and their longtime friend, Brodie aren’t just the private investigators of the firm, they’re also shifters belonging to the very same dwindling den of wolves. PART ONE Charlotte Gold has followed in her father’s legendary, country-singing footsteps, though her success hasn’t spanned beyond Cottage Grove. She’s just fine with that and singing with her band at Home on the Range feels like a little slice of heaven and a whole lot of fun whenever she gets on stage. But when her drummer keels over, dead, one night while playing, Charlotte’s quiet corner of paradise turns dark. No one suspects foul play except for Charlotte and she will stop at nothing to expose the killer who took her friend’s life, even if the residents of Cottage Grove think she’s crazy. One man doesn’t think she’s lost her mind, however, and Jack has all the skills and resources to crack this overlooked case wide open. PART TWO Eve Picoult hasn’t set foot in her hometown of Cottage Grove since she graduated high school ten years ago, but her dear friend twists her arm into agreeing to return for their ten-year reunion. It’s been forever, but how could she say no to her favorite Skype friend who has always been there for her, through thick and thin? For Eve, well, one reason comes to mind… or person. Brodie Shea. When Eve arrives at Cottage Grove, however, she discovers her friend mysteriously vanished. How could that be? Eve fears the worst, knowing her friend wouldn’t miss her high school reunion for the world. And it will be Brodie and his private investigation firm who will help Eve find out why her old friend has suddenly disappeared. PART THREE One dark, foggy night, as Wendy Cunningham kicks and fights her way up from the bottom of Silver Lake, she fears that life as she knows it is about to come to a violent end. But a man pulls her out, saving her life at the last minute. She doesn’t recognize him, but Liam knows exactly who she is. Come to think about it, not only does Wendy not recognize Liam, but she doesn’t recognize Cottage Grove, the town where she apparently grew up in, or remember anything about her life for that matter. Amnesia. Wendy’s memory will come back, but no one knows when or how or why, and until she remembers who knocked her out and tossed her into Silver Lake for dead, she will have no choice but to rely on the one man she trusts didn’t do it—Liam Doren. But Liam has secrets of his own. He’s a wolf shifter, after all, and the closer these two get, the harder it becomes for him to hide it from her.

    Key Features An integrated approach to the development of all four language skills. Notions and functions. Vocabulary presentation and practice. Variety of reading, listening and speaking tasks. Grammar presentation in context. Activities encouraging critical thinking as well as web research. Writing sections containing models and development of writing skills & Writing bank. Realistic pairwork and groupwork activities. Pronunciation and Intonation sections. Study Skills to help students become autonomous learners. Practical English sections preparing students to use the language in real-life situations. Culture sections & CLIL sections for each module. Language Review. Grammar Reference section. Interactive Whiteboard (IWB) Software. Interactive eBook. Writing Books that help students practise and improve their writing skills. Public Speaking / Presentation Skills booklets to help learners become effective communicators and competent public speakers.

    As they see matters, wealth in the form of means of production and wealth in the form of consumers’ goods are essentially indistinguishable. For all practical purposes, they have no awareness of the existence of capital and of its importance. Thus, capitalists are generally depicted as fat men, whose girth allegedly signifies an excessive consumption of food and of wealth in general, while their alleged victims, the wage earners, are typically depicted as substantially underweight, allegedly signifying their inability to consume, thanks to the allegedly starvation wages paid by the capitalists.The truth is that in a capitalist economic system, the wealth of the capitalists is not only overwhelmingly in the form of means of production, such as factory buildings, machinery, farms, mines, stores, warehouses, and means of transportation and communication, but all of this wealth is employed in producing for the market, where its benefit is made available to everyone in the economic system who is able to afford to buy its products.Consider. Whoever can afford to buy an automobile benefits from the existence of the automobile factory and its equipment where that car was made. He also benefits from the existence of all the other automobile factories, whose existence and competition served to reduce the price he had to pay for his automobile. He benefits from the existence of the steel mill that provided the steel for his car, and from the iron mine that provided the iron ore needed for the production of that steel, and, of course, from the existence of all the other steel mills and iron mines whose existence and competition served to hold down the prices of the steel and iron ore that contributed to the production of his car.And, thanks to the great magnitude of wealth employed as capital, the demand for labor, of which capital is the foundation, is great enough and thus wages are high enough that virtually everyone is able to afford to a substantial degree most of the products of the economic system. For the capital of the capitalists is the foundation both of the supply of products that everyone buys and of the demand for the labor that all wage earners sell. More capital—a greater amount of wealth in the possession of the capitalists—means a both a larger and better supply of products for wage earners to buy and a greater demand for the labor that wage earners sell. Everyone, wage earners and capitalists alike, benefits from the wealth of the capitalists, because, as I say, that wealth is the foundation of the supply of the products that everyone buys and of the demand for the labor that all wage earners sell. More capital in the hands of the capitalists always means a more abundant, better quality of goods and services offered for sale and a larger demand for labor. The further effect is lower prices and higher wages, and thus a higher standard of living for wage earners.Furthermore, the combination of the profit motive and competition operates continually to improve the products offered in the market and the efficiency with which they are produced, thus steadily further improving the standard of living of everyone.In the alleged conflict between the so-called 99 percent and the so-called 1 percent, the program of the 99 percent is to seize as far as possible the wealth of the 1 percent and consume it. To the extent that it is enacted, the effect of this program can only be to impoverish everyone, and the 99 percent to a far greater extent than the 1 percent. To the extent that the 1 percent loses its mansions, luxury cars, and champagne and caviar, 99 times as many people lose their houses, run-of-the mill cars, and steak and hamburger.