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.

    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.

    She’s decided to fly from Ireland to New York to surprise him and to get some answers. And if her plan works she’ll also get the scoop of her career…But as she steps out of her yellow taxi and the first snowflakes start to fall, it’s Holly who has the surprise of her life.What should be a dream come true is looking a little like a nightmare. But Holly is determined to get her happy ending!

    

    

    Is Sanaya. Rich and spoilt. A loner. Living in a self-created paradise where she thinks her world is perfect. Where family betrayals are swept under the carpet. In her imperfect life, she still searches for happiness. Then, at the age of seventeen, when she meets the love of her life, she feels that everything would be fine. But Fate has another plan for her. Walking away from your true love is not easy. But what makes it worse is the knowledge that he does not remember her… He… Is Krish. A self-made man who knows only one path – that of success. Extremely loyal to those he loves, he is torn between the love for his mother and the love of his life. But then fate plays a role and he is given a clean slate to start all over again. What will he choose… success or love? The Story… When two souls are given a second chance they must walk on the path of denial and pain. Of memories that haunt them and heartbreaks that shape their life. Meet Sanaya and Krish in Homecoming. Who says love is without complications? Especially when the one you love so deeply suddenly becomes a part of your family in a way you had not even dreamt of.

    The result is an enthralling combination of powerful technical wisdom and the philosophical elucidation offered to martial artists by Buddhism, Shintoism, Confucianism, and Taoism. From the metaphor of the Four Elements and fundamentals of physical practice and strategy to an offering of Zen wisdom on the "way" of nature, "Musashi's Book of Five Rings" is as profound and important a book on martial arts as you will find.

    But today, it divides Americans more stridently than ever, due to a chronic failure of national leadership by both parties. Here at last is an attainable resolution guided by two core principles: first, immigration is vital to America’s future; second, any enduring resolution must adhere to the rule of law. Unfortunately, current laws are so cumbersome and irrational that millions have circumvented them and entered the United States illegally, taxing our system to the breaking point. Jeb Bush and Clint Bolick contend there are other unique factors currently at play: America’s future population expansion will come solely from immigrants. And for the first time, the U.S. must compete with other countries for immigrant workers and their skills. In the first book to offer a practical, nonpartisan approach, Bush and Bolick propose a compelling six-point strategy for reworking our policies that begins with erasing all existing, outdated immigration structures and starting over. From there, Immigration Wars details their plan for advancing the national goals that immigration policy is supposed to achieve: build a demand-driven immigration system; increase states’ autonomy based on varying needs; reduce the significant physical risks and financial costs imposed by illegal immigration; unite Mexico and America in their common war against drug cartels; and educate aspiring citizens in our nation’s founding principles and why they still matter. Here too is a viable variation of the DREAM Act as a legal status for children brought here illegally, and sound strategies for the Republican Party to revitalize their ever-decreasing core constituency. With Immigration Wars as a beacon of hope, Americans can finally solidify a national identity that is based on a set of ideals enriched and reinvigorated by immigrants, most of whom fervently embrace our core values—family, faith, hard work, education, and patriotism.

    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.

    54 pages of summaries and analysis on A Personal Matter by Kenzaburo Oe.This study guide includes the following sections: Plot Summary, Chapter Summaries & Analysis, Characters, Objects/Places, Themes, Style, Quotes, and Topics for Discussion.

    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.

    Debt-ridden and marked by the mafia, this is the only way he can secure his family's future and atone for all the rotten choices he has made in his life. This extraordinary situation comes by way of his grandfather Fali's last Will that states Rustom shall inherit the family fortune if he kills himself in a public place with the former's eponymous gun.Before he has a chance to shoot himself his best friend Mani convinces him to meet an unlikely saviour in the Himalayan town of Almora - a drugged-out godman belting out strange visions through cryptic stories of love, power and loyalty. Will the last storyteller give Rustom a reason to live, or will his tales push Rustom further into an abyss of unimaginable loss?By turns, dark and humorous, quirky and dead serious, Rustom and the Last Storyteller of Almora is a scintillating debut about a man ready to embrace death to redeem his life.

    As he struggles to get his life back on track he must represent a succession of mostly hardened career criminals for whom he has little or no use. But two of his cases challenge his attitudes and test his skills. Convinced that a young Hispanic man accused of armed robbery is actually innocent he works to have the case dismissed before the young man’s life is ruined. Police procedure, a courtroom battle, a savvy expert and an incompetent ADA all play roles in the outcome of the case. A chance introduction brings a Chinese family that’s been dragged into cocaine smuggling and a diamond robbery by a notorious Triad to the lawyer. With the lives of an innocent woman and child hanging in the balance, he works closely with the NYPD and the FBI to free the family from the Triad’s grip. That well-laid plans sometimes go wrong is not surprising but why they go wrong can be surprising as he finds out. The lawyer’s battle with his alcoholism and his AA experiences are very much a part of his story. From his initial skepticism about AA through the various stages of his recovery he tells all with a blunt honesty, sometimes humorously but often painfully, as he is forced to examine his past life and himself.