To build and manage your wealth, you must look at your situation holistically: build your character, standards, dreams, goals, and personal aspirations from the inside out. By developing both self-sufficiency and a connection with your community, it is possible to create wealth for yourself no matter who you are, what you do, or where you come from.

    Drawn from 24 full-length memoirs and interviews, all published by McFarland (and available separately in complete editions), these excerpts offer important, gripping and provocative stories from men and women who were forever changed by their experiences in the war. They represent the perspectives of Army infantry, forward observers, a journalist, a combat bandsman, Marines, pilots and nurses. 'Nam Raw includes excerpts from the following titles: The Hump (Al Conetto) Lullabies for Lieutenants (Franklin Cox) Mad Minutes and Vietnam Months (Micheal Clodfelter) Alone, Unarmed and Unafraid (Taylor Eubank) Killer Kane (Andrew R. Finlayson) Stained with the Mud of Khe (Sanh Rodger Jacobs) Scrappy (Howard C. "Scrappy" Johnson and Ian A. O'Connor) Cammie Up! (Steven A. Johnson) Pucker Factor 10 (James Joyce) Crucible Vietnam (A.T. Lawrence) Ghosts and Shadows (Phil Ball) Eye of the Tiger (John Edmund Delezen) Vietnam-Perkasie (W.D. Ehrhart) Rice Paddy Recon (Andrew R. Finlayson) Quang Tri Cadence (Jon Oplinger) Vietnam War Nurses (Patricia Rushton) Runway Visions (David Kirk Vaughan) The Crouching Beast (Frank Boccia) Combat Bandsman (Robert F. Fischer) Tail End Charlie (Ronald John Jensen) The Ghosts of Thua Thien (John A. Nesser) Hornet 33 (Ed Denny) War Stories (Conrad M. Leighton) Fighting Shadows in Vietnam (Michael P. Moynihan, Jr.)

    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.

     When her wagon train was 8 miles from Fort Laramie, Wyoming, a Sioux Oglalas war party, in war-paint, suddenly appeared and began to encircle their wagons, pretending to be most friendly and asking for presents. The Indians urged the emigrants on, and offered to accompany them, so that they pushed on in company for a short time, until it was saw that they were approaching a ravine where his party would be at a disadvantage, and he insisted on camping outside of it. The Indians, after some hesitation, agreed, and the travellers began to make preparations for supper, when suddenly the Indians fired a volley at them. Some of those who escaped the attack succeeded in hiding in the brushwood, but Mrs. Kelly and her adopted daughter, Mary, as well as Mrs. Larimer and her children, became the prisoners of the Indians. After the second night of capture, Larimer and her son Frank managed to escape and were later reunited with her husband at Camp Collins, Colorado Territory. Larimer wrote of her harrowing captivity and escape in her 1871 book "The Capture and Escape: Life Among the Sioux." In describing dangers encountered during their escape from the Indians, Larimer noted: "The horrors of our situation were harassing to contemplate. The wolves seemed congregated upon the highlands, and, awaking from their night’s repose, their wailing cries echoed back from the distant hills with terrific clearness. These prowling creatures abound in that country, where some species attain a great size. Even the buffalo, which does not fear them in the herd, knows his danger when overtaken alone; and the solitary bull, secreted from its hunter, succumbs before the united force of a gang of wolves." Sarah Luse Larimer (1836-1913) was born in Pennsylvania, headed west in 1859 with her husband, living for a while in Allen County, Kansas, where she operated a photographic gallery. In 1864, along with her husband and son the family set out for the mines of Idaho Territory, when their plans were disrupted by Oglalas on the warpath. John Bratt in his 1921 book "Trails of Yesterday" writes of Larimer: "At Sherman Station I became well acquainted with Mrs. Larimer and her son, who kept a general store there, bought and sold ties and cord wood, while her husband had a star route mail contract from Point of Rocks north. There was also a Mrs. Kelly living near the station. These two women and Mrs. Larimer's son had been captured by the Sioux Indians near Fort Laramie. Mrs. Larimer and her son, after two weeks' captivity in the lodge of the chief, stole away one night and though the Indians hunted them day and night, they succeeded in eluding them and got back to the fort, after suffering unmentionable cruelties. Mrs. Kelly, not so fortunate, was taken by the Indians up on the Missouri River and kept with the band over six months." In describing the moment of rescue by a passing wagon train, Larimer writes that "as we sat in this shelter, which proved to be the last, a most joyful and welcome sound greeted our ears —one in which there was no mistake—our own language, spoken by some boys who passed, driving cattle."

    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.

    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.

    Drafted out of graduate school and trained in the infantry, he spent a year with the 101st Airborne. This work is a journal of the experience, a day to day description of what it was like in a "grunt unit" fighting in the Central Highlands, dealing with the heat, the bugs, the rain, the endless patrolling in the villages and mountains, the ever present boredom and occasional violence. It's not all exciting action but it's always real.

    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.

    This book, covering both the Cambridge IGCSE and O Level courses of the Cambridge syllabuses, draws extensively on real world examples to explore economic concepts, theories and issues. A number of activities, based on examples from qround the world, are designed to facilitate students' easy understanding of the contents. Principles and practices have been explained in simple language and lucid style to enhance the accessibility of the content to students whose first language is not English.

    

    Howard Farran shows that running a business isn’t all that complicated—if, you’re focusing on the right three areas: •People: maximizing the potential of employees, customers, and yourself.•Time: mastering the efficiency that helps a business turn the biggest profit possible.•Money: learning to love the numbers that function as the business’s scorecard.With simplicity, good humor, and plenty of stories Dr. Farran reveals the actions that can lead anyone to bigger profits, happier people, and a more fulfilling life.

    Auditing is perhaps our single best defense in ensuring the integrity of our financial reporting system. That's why this new Eighth Edition of Boynton and Johnson's Modern Auditing focuses on decision making and the critical role auditors play in providing assurance about the integrity of the financial reporting system. Known for its clear writing and accessibility, this text provides comprehensive and integrated coverage of current developments in the environment, standards, and methodology of auditing. Features * Real-world examples relate issues discussed in the chapter to ethics, audit decision making, and the integrity of the financial reporting system. * Focus on Audit Decisions sections highlight key factors that influence an auditor's decisions. * Includes discussion of the role of the Public Company Accounting Oversight Board (PCAOB) Auditing Standards, and a chapter feature highlights PCAOB standards that differ from Generally Accepted Auditing Standards for private companies. * Expanded case material related to the integrated audit case (Mt. Hood Furniture) provides a variety of databases that allow students to utilize generalized audit software (IDEA) to accomplish various audit tasks. Multiple databases allow the case to be reused with different data from term to term. * A flowchart style chapter preview begins each chapter. * Chapter summaries reinforce important audit decisions included in the chapter. * End-of-chapter material organized by audit decisions provides a clear link between audit decisions discussed in each chapter and the problem material.