It of course depends on your health, the company you work for etc. However in the first chapter I would like to introduce you to the concept that retirement is an amount of money! After all, if you have that magical amount why not retire early?The second chapter takes you through the steps and importance of planning, and to the dangers of not planning. Like any financial goal, retirement is also a goal and has to be approached in a financial planning mode. So Retirement Goal Setting becomes a very important and is perhaps the first step in Retirement planning.How much money is adequate for a person to retire? It is a question that is very difficult to answer. Here is a generic answer telling you what are the factors to consider while trying to answer this question. This chapter has many pointers and a calculator which leads you towards the answer. Remember this is not an answer cast in stone as the facts keep changing, so will your answer. Can you really retire by investing an amount as little as Rs. 40 a day? The answer is yes it is the power of compounding. If you do have n or time on your side, it is possible to retire on an amount as small as Rs. 40 a day. And the fantastic thing is that this small amount can be got by making very simple changes in your life style.We then deal with Annuity the withdrawal stage. After all if you have accumulated money for your retirement, you should also know how to withdraw. Here we deal with what is annuity, what are the methods of creating annuities, what options are available, and the works about annuity.Retirement savings and investments are invested in various instruments. A book cannot really do justice to all the schemes that are currently available. However here is an attempt at that. It is accurate to the extent that the sources from where the details have been taken are up to date! There are books specializing in information about investment products which are produced on a yearly basis. One book which immediately comes to mind is In the Wonderland of Investments by Mr. Shanbag. A few chapters are devoted to answering how much and what type of insurance should you look at during retirement, the attitude of the Indian family to retirement, the need to make a will, some retirement blunders, etc. The book is rounded off with some useful calculators regarding how much to save, effect of inflation etc. These are simple calculators which can be created in excel. Some of these calculators can be found on websites like moneycontrol.com or in google.

    It's compelling, it's straightforward, and it can change your life. Zombie Economics is for anyone in the midst of financial uncertainty, a place where carelessness and timidity will cost you. From the creeping spread of unpaid bills to the lumbering advance of creditors, Zombie Economics confronts the biggest threats to your personal economy, takes aim, and then takes them down. Specific chapters include: A Basement Full of Ammo Saving yourself by saving money They'll Eat the Fat Ones First Using fitness as a financial asset Shooting Dad in the Head Ending your relationships with the financially infected With simple, easy-to-use techniques for identifying-and eliminating-your financial weak spots, Zombie Economics turns victims into survivors. Watch a Video"

    Stuck in a rut, baseball was dying. Then Steinbrenner bought the Yankees, a second-division club with wife-swapping pitchers, leaving the House That Ruth Built not with a slam but a simper. He vowed not to interfere—before soon changing his mind. Across town, Tom Seaver led the Mets’ stellar pitching line-up, and iconic outfielder Willie Mays was preparing to say goodbye. For months, the Mets, under Yogi Berra, couldn’t get it right. Meanwhile, the A’s were breaking a ban on facial hair while maverick owner Charlie Finley was fighting to keep them underpaid. But beneath the muttonchops and mayhem, lay another world. Elvis commanded a larger audience than the Apollo landings. A Dodge Dart cost $2,800, gas was a quarter per gallon. A fiscal crisis loomed; Vietnam had ended, the vice president resigned, and Watergate had taken over. It was one of the most exciting years in the game’s history, the first with the designated hitter and the last before arbitration and free agency. The two World Series opponents went head-to-head above the baby steps of a dynasty that soon dwarfed both league champions. It was a turbulent time for the country and the game, neither of which would ever be the same again.

    Nevertheless, most consumers are not willing to forsake their favorite products, entertainment, and travel choices. Effortless Savings gives them the solution: a simple and practical game plan to make substantial savings without compromising their lifestyle. Effortless Savings is perfect for readers at any income level or household size. Its strategies cover everything from grocery shopping to banking and credit card techniques. There are easy, painless methods to reduce telecom, insurance and home energy bills as well as tactics for cutting the costs of dining out, entertainment, vacations and auto maintenance. And whether shopping for clothing and household goods, or health and beauty products, Effortless Savings has a wealth of effective tips that can save the reader thousands of dollars. Currently being used by The University of New Brunswick (Canada's oldest English speaking university) for their Personal Financial Planning Course: BA 3421

    Understanding your money, and getting it to work for you, has never been more important than it is today, as more and more of us are called upon to manage every aspect of our financial lives, from managing day-to-day living expenses to planning a college savings fund and, ultimately, retirement. From The Wall Street Journal, the most trusted name in financial and money matters, this indispensable book takes the mystery out of personal finance. Start with the basics, learn how they work, and you'll become a better steward of your own money, today and in the future. Consider The Wall Street Journal Complete Personal Finance Guidebook your cheat sheet to the finances of your life. This book will help you:- Understand the nuts and bolts of managing your money: banking, investing, borrowing, insurance, credit cards, taxes, and more- Establish realistic budgets and savings plans- Develop an investment strategy that makes sense for you- Make the right financial decisions about real estate- Plan for retirement intelligentlyAlso available--the companion to this guidebook: The Wall Street Journal Personal Finance Workbook, by Jeff D. OpdykeGet your financial life in order with help from The Wall Street Journal. Look for:- The Wall Street Journal Complete Money and Investing Guidebook - The Wall Street Journal Complete Identity Theft Guidebook- The Wall Street Journal Complete Real Estate Investing Guidebook

     There is something for every horror fan in this four book set, from a psychological terror featuring a repairman from hell, to a bloody tale of betrayal and vampires to a tale of a man hiding himself away for his own safety and a child pushed too far by the school bullies. One novel, one novella, two short stories. From the bestselling author of horror and suspense, Michael Bray, this three book set is a perfect introduction to his work and will appeal to fans of Stephen King, Dean Koontz, Bentley Little, Shaun Hutson and James Herbert. Praise for included tiles: Digs into the depth of the readers fear and plays on it.' 'Wild, weird, and wonderfully imaginative!' 'In the spirit of Stephen King, Michael Bray has created a page turning gem. If you love horror, you need to read this story.' 'The story itself was dark and shocking' 'This is one of the best horror stories I have read in ages! It is absolutely grisly, gruesome and nasty' 'A great moral tale with a sting, and a bite, a chop, the odd missing foot and various other nasties.' KEYWORD SEARCH TERMS: Horror Horror box set Horror collection

    For years, she felt as though she was just an object. She wants to be loved for who she is, not what she looks like. When her father tried to force her to marry the local banker, she decided to form her own destiny and answer a mail-order bride ad.Scott is now a ghost of his former self. He used to be the beloved town sheriff for years. During a horrific accident, he lost his fiance and one side of his face got disfigured. Having to live with his own failure, he turned in his badge and set off to live as a recluse.When Scott meets Mae, he'll try to push her away. He fears to get close to anyone because he couldn’t save the love of his life last time she needed him. But, as Mae's life is threatened by an outlaw gang, he will have to tame his inner demons and rise above fear.Mae was determined to break free from her old life. Will she be able to break through Scott's defenses and help him redeem himself? Or will his past ruin her dreams forever?If you like fast-paced clean romance and action-packed stories, you won't be able to put down this addictive Novel by Ember Pierce."A Fearless Bride For A Wounded Rancher" is a stand-alone Western Historical Romance Novel of approximately 500 pages.

    

    

    Singh has been a formidable civil servant, an empathetic politician, a keen chronicler of India’s socioeconomic history and the quintessential academic that academia never got. His life’s work, as chronicled in this book has indeed been intertwined with the progress India has made. In many such cases, Singh has been not just an active contributor but has also given shape to those many momentous decisions—whether through the use of diplomacy or the rigours of understanding the mechanism of the levers of power or, for that matter, by consensus building.Portraits of Power is not just an autobiography of a man, who for several decades has played an active role in India’s march towards becoming a formidable economy; it is indeed, on multiple levels, a book that profiles myriad institutions that work in harmony to make things happen. And in everything that N.K. Singh has done, so in this book too, there is both incisive clarity and insightful anecdotal heft.This book helps readers navigate the vast complexities of India but in a way that is stark and yet elegant.From personal happenings to national movements, Portraits of Power covers it all.

    Who knew Laine Crosby, former marketing executive at The Weather Channel, had the gift of being an Investigative Medium? Not even Laine, that is, until she moved from Atlanta to the property of an eighteenth century Maryland plantation and woke up talking to a former slave buried in her backyard! Investigative Medium - the Awakening, examines the gift that was thrust upon Laine who was at first surprised, and then upset, and over time and through experience, embracing of this new way of life. Laine’s husband, Chris, twins Annie and Caleb, and even her Jack Russell terrier “Steve” have peripheral ghostly involvement, so it is a family affair, although at first an unsettling one.Along Laine’s journey, she meets an unlikely friend, the spirit of Jannette, once nanny to the children on the plantation where she lives. Laine becomes Jannette's voice, bringing her back from the antebellum South to tell the incredible story of her life as a slave, and a tender romance is revealed. Interwoven with Laine’s personal story, are the first hand accounts of former slaves Jannette and Bill, and others.Laine finds similarities in her own life and Jannette's, and with Jannette's friendship, Laine begins her journey down a path of self discovery. Once Laine accepts her gift, it is her mother who, from beyond the grave, helps Laine find a way to surrender, and at long last give up on the life she dreamed of having, in order to have the life she was meant to live. Investigative Medium - the Awakening is first in the Investigative Medium series, a preface to future books about Laine's adventures with law enforcement, historians and archaeologists. It is a fast read and an uplifting and hopeful book for anyone who has lost a loved one. But, put on your seat belts; It's a thriller along the way!Now available as an ebook on Amazon, B&N, and Smashwords. Paperback available July 2013 (ISBN 978-1-940261-00-3)on LaineCrosby.com among other stores.

    Millions of Americans today are near financial disaster-spending more money than they are bringing in, and losing control of their money. Lauren Greutman knows how that feels. For years, she struggled with too many bills to pay and not enough money to pay them. When Lauren found herself drowning in debt, she finally faced her extreme spending habits and took action.In The Recovering Splender, Lauren shares her story and offers advice that is based on the many strategies she developed to change her own life and bring her family budget back to black. Lauren shows her readers, step-by-step, how to get rid of bad money habits, pay down debt, and stay within a budget.Some of the action chapters in the book are:Take an Inventory of Your SpendingDeclutter Your FinancesDo an Expense AuditCurb Your Spending and Define Your ValuesLauren exchanged the overrated, stressed-out American dream for a new one-a happier life filled with family, friends, and financial freedom-and now you can do the same!

    A fast-paced romance perfect for fans of action, intrigue, and strong female leads who fight against all odds. In a world where nobody can be killed, one girl will change it all. In an alternate world where everyone is invincible, Ava Holland has the power to change everything—but first she has to survive. When her brother’s death rocks the foundations of the world she lives in, Ava’s only ally is the boy she should fear the most. Michael Bradley is the strongest, fastest healer anyone’s ever seen. But Michael has secrets, too. From the glittering skyscrapers of Evereach, to the icy mountains and bio-technology of Starsgard, and the burning deserts of Seversand, Ava and Michael fight for their freedom against government conspirators, terrorists, warriors, and the ultimate battle against the man who wants to use Ava as his own weapon of death. When the secrets of mortality are revealed, it’s up to Ava to save them all. Contains: Beyond the Ever Reach - Mortality Book One Beneath the Guarding Stars - Mortality Book Two By the Icy Wild - Mortality Book Three Before the Raging Lion - Mortality Book Four

    Each year, the series editor and guest editor curate a truly exceptional collection. The only shared traits among all these diverse styles, voices, and stories are the extraordinarily high caliber of writing, and the pure passion they tap into that can only come from sports.