You’ve seen all the goofy ideas and fads that don’t work. Now it’s time to get back to basics with a simple, time-tested, step-by-step plan that anyone can follow. Arm yourself with the truth about getting out of debt. Knowledge is power and you’re going to get it. Find out: • Whether your mortgage is good or bad (the answer may surprise you!) • About the Power Pay Off Plan (and how Sam saved 20 grand) • The secrets to successfully get out of debt • Where to find the money you need for debt free living • How much money you ought to be putting towards paying off debt • The truth about debt consolidation (including pitfalls to avoid) • How to use insurance to protect yourself from the unexpected • What to do next, once you’ve started on the road to wealth Your student loans, mortgage, car loans, and credit card balances can all be gone with the straightforward strategies you’ll learn in this book. You don’t have to feel stress, shame, or embarrassment over it for one moment longer. You’re going to take control and change your life for the better. You’ll also get free access to The Debt Destroyer. This wickedly good tool will create a customized plan for you to pay off debt and ensure that more of your money stays in your pocket. You don’t have to tackle this alone, and you don’t have to be rich to pull this off. If you want debt help on a budget - with straight talk and no tricks - you’ll find everything you need right here. Debt relief can be yours. Buy this book today and get started. It’s your turn.

    

    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.

    

    Pensions have almost completely disappeared and the financial future of Social Security has many worried. This book shows you how to take control of your own future by teaching you the fundamentals of investing.Many people are afraid to put their hard earned money in the stock market because they don’t want to lose it all. This book shows you how to invest your money for growth instead of treating the stock market like a slot machine and just hoping to get lucky. Inside the book you will discover: The basics of what the stock market is and how it works The differences between passive and active investing The differences between stocks, bonds, and cash All about mutual funds and other types of funds What you need to know about the economy to make good investments How to plan for retirement All about risk And Much More This quick start guide will help you go from knowing very little about investing to being confident in starting your own investment in your retirement.If you are looking for a get rich quick scheme, this book isn’t for you. But, if you want to learn about how to invest and the best ways to plan for your retirement, this book will start you on the path of taking control of your own future.The sooner you get your copy, the sooner you can start your personal investment education. Don’t wait another second. Get Your Copy Right Now

     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

    From a struggling wife who isn't sure her marriage will work out to a guy who has a kid dropped off on his doorstep, T.K. Chapin highlights how real people with real problems can experience God when they allow Him into their life.

     This Special Collection contains: Love is Patient (Never before released) Anna has been forced by her father to marry Amos, a man she does not love...or even like. Their marriage is off to a rocky start and she doesn't see how things will ever change. Soon she discovers items missing from their home-clothes from the clothesline, vegetables from the garden, and jars of jam from the cellar. She's now on a quest to find out who has been taking their items...and Amos has not interest in helping her. Find out what she discovers and how this changes the entire course of her and Amos's life. Emily's Choice Emily, an Englischer, has just lost her mother. Now she must go live with the father she never knew - an Amish man. It turns out he didn't know Emily existed either. Emily’s father and his family struggle to accept her. However, she meets Caleb, the handsome Amish employee at the restaurant her new family runs. She's drawn to Caleb and soon can’t help but to fall in love with him. Caleb has also developed feelings for Emily. But there's a problem... Amy's Divine Destiny Amy loves to draw and is quite gifted. Finding an old abandoned house one day, she sets herself up and begins to sketch. Thinking she sees someone in the upstairs window, she goes back every day to sit and see if she can see the figure again. She soon discovers that a young man about her age has been staying there and he opens up to Amy and explains his story... Amy's Divine Destiny: The Sequel Amy has now married and her husband has just received surprising news that his grandmother whom he had never met, has died and has left him an inheritance... and he is also now the guardian of his teenage half-sister, whom he has never met. Now Amy must trust God in ways she’s never had to before. The Path of His Choosing -Book 1 (Seasons of Change) This first book of the series starts out with Mary King, as a teenager, and has just approached her time for Rumspringa. She decides to move away with friends to work at a toy factory. She meets two young men who take an interest in her, but she knows that a relationship would never work with either one of them. She leaves, disheartened with this new way of life and returns home. But God uses this experience to bring her a special surprise. The Path of His Choosing -Book 2 (New Beginnings) Mary has now wed the man of her dreams. They soon find they will need extra income to see them through. Mary runs into a friend at the grocery store who suggests an idea to solve their dilemma. This may be the perfect solution, so they go ahead with the idea. See how God uses this experience to touch the lives of a family who need His loving intervention. The Path of His Choosing -Book 3 (The Journey Ahead) This third book of the series continues with Mary and Kyle starting a new venture in the hopes of bringing in a more stable income. Peter from her Rumspringa year enters her life once again much to Mary's dismay. Kyle has even invited him to stay at their home until he finds a place to live, which makes Mary all the more nervous, but God has a plan in all of this. Find out what He has in mind...

    The innate desire is driven by our deep and underlying need to find better ways for us to achieve our own goals, understand our own dreams, and rise to our unique challenges. This book is about the underlying events in the life of Jeff Bezos and the ways in which it influenced his life, the way he responded to them, and in the way he used them to his advantage. The book doesn’t claim to know the fibers that made the content of his heart - no man can know that. But what it does is string together multiple events and sees the shadows that it casts. All that so that you can find the elements inside you that could be the seed of success, achievement and greatness. The story of Bezos traces a path through his life as a youth and looks at his action and his achievements and deciphers the existence of his greatest achievement – Amazon - in a way that is reflective of his character, his intellect and his upbringing. His story is unlike any of the other successful people in history. His brand of work ethic is familiar but different. What is it about him that makes him a super achiever? What about him makes him drive hard towards his goals? What about him can turn an idea into a startling success? What about him is like you and what isn’t? What can you learn from him? Read, and find out.

    We would all like to reach a stage where we are able to live off the income from our savings and investments. Sadly, only 5 out of every 100 people reach that stage. This highly accessible book is aimed at anyone who wants to learn how to make their first million in savings. The book provides real examples of ordinary people who have reached their financial goals and explains how you can do the same. It also provides practical ways of setting goals and keeping yourself motivated to achieve them, especially in tough times. How to Make Your First Million provides people from all walks of life with practical information on how to achieve financial freedom in a range of different ways and shows that it is possible for everyone to be financially free.

    Now the retail banking business model looks set to be transformed too. In Bye Bye Banks? James Haycock and Shane Richmond describe these startups, and to which areas of the banking industry they are laying siege. It shows that this assault is already well underway and that many incumbents are poised to be displaced, diminished and disintermediated. It draws on extensive research and on-and-off the record interviews with senior executives in some of the biggest banks. Haycock and Richmond conclude with the recommendation that traditional banks need to reinvent themselves by launching a ‘Beta Bank’: a lean, stand-alone organisation fit for the future for which they provide a ten-point operating model. This short book is a bold, urgent and timely analysis of the forces shaping the future of financial services. Its message to industry leaders in the sector could not be more simple: adapt or prepare to be disrupted. “This work accurately and concisely captures the effects of the disruption brought to the banking industry by the digital revolution. The comments by other banking and innovation professionals about their own experiences are particularly intriguing.” - Alessandro Hatami, former Innovation Executive at Lloyds Banking Group “James Haycock is a key voice for how the banking industry should and will change.” - Tom Hopkins, Product Innovation Director, Experian Consumer Services “If you are an incumbent retail bank, read it, get on with it, make it happen.” - Lee Sankey, former Group Design Director, Barclays

    He is Pastor Sidney Teal, a fine and prominent leader of the mega church, Holy Word Holiness, with a membership of thousands. Pastor Teal treats her well in and out of bed. However, Yasmin knows he will never be hers, and she longs for more. More comes in the form of sexy, successful, and single Ambrose Hunter, a man who's willing and able to give her the kind of life she knows she deserves. Yasmin's sins catch up with her when Ambrose finds out she is not only seeing another man behind his back, but a man of the cloth at that. Now Yasmin's world spins out of control. Will she be able to redeem herself and find forgiveness in When The Vows Break?

    Find all of the following, explained in plain-English with no legal jargon:Business Taxation 101: A brief primer on tax topics in general, especially as they apply to businesses.Home Office Deduction: How to ensure you qualify for it and how to calculate it.Estimated Tax payments: When and how to pay them, as well as an easy way to calculate each payment.Self-Employment Tax: What it is, why it exists, and how to calculate it.Business Retirement Plans: What the different types are, and which one is best for you.Numerous Business Deductions: Several deductions explained in detail, including how to make sure you can qualify to take them and how to maximize them.Audit Protection: Learn what records you need to keep (and how long to keep them) in order to protect yourself in case of an audit.

    But, let's be honest, you need the means to make it all happen.In her latest book, she tackles a topic with a stigma - money! What would you do if money was no object, how can anyone find profit in the impossible and - her personal bugbear - when will 'gunnas' stop using lack of money as an excuse for not stepping out of their comfort zone and pursuing their purpose?Mixing advice from mentors, experts and famous role models, with lessons learned in her own entrepreneurial journey, Lisa reveals how she built a global brand, and launched a magazine sold in 37 countries, without having to borrow a single cent from a bank.This is from a woman who, years before, could barely afford to buy toothpaste.In the self-deprecating manner that has become her trademark style, Lisa shares her own journey, clearly stating she is not a guru when it comes to finances, but has used fresh thinking and creative ideas to fuel a burgeoning business.She will help you appreciate your real value, amplify your self-worth and find the means to achieve everything you dream of.Many of us are raised to believe it’s rude to talk about money.But as a self-proclaimed disruptor, this entrepreneur wants to put a bomb in the bank vault and blow it wide open...

    The debate has been mostly marked by mud-slinging and name-calling and the debates that have ensued often have no basis in fact. While most people have a hazy notion of black money, only a few are able to unpack the concept to reveal its various shades.In this e-single, which is part of a larger, ongoing work, Prof. R. Vaidyanathan provides the reader with a brief overview of black money—its generation, its estimates and how and why it is spirited away to tax havens. This is a unique, timely work that packs in much information and offers a 360-degree view of the issue.Prof. R. Vaidyanathan recently retired from IIM, Bangalore as Professor of Finance. He is now Cho S Ramaswamy Visiting Professor of Public Policy at Sastra University, Thanjavur.