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.

    Rajesh Soin is the epitome of Indian-American success. He is an inspiring figure, much honored and much-touted when it comes to entrepreneurial vision and success. He is well-known as the founder of Modern Technologies Corporation (MTC), a billion-dollar company, which he started with a capital of $1700.He grew up in straitened circumstances. In his childhood, he faced a devastating tragedy. He arrived in America with only 75 cents in his pocket and no place to stay. When he started college, he had to subsist on $30 for a whole month, and in grad school, he got robbed at gunpoint.When he started his company, there was a time when all his credit cards were maxed out to make payroll, and his finances were in dire straits. At a point in his professional life, he was so down that he felt like he was done for.But Dr. Soin fought all this and emerged a winner in life. Today, he has multiple companies in his portfolio, an enviable net worth, and investments all around the globe. He is a brand in himself, having many schools, colleges, and hospitals named after him, and being the recipient of so many business and philanthropic awards. But every success has its price. Everybody tends to see the shining part, overlooking the darker side, which has so much sweat, blood, hard work, perseverance, insecurities, and failures. In this book, we have covered Dr. Soin’s journey from ordinariness to extraordinariness. How does he see the world? What is his vision? What are his aspirations? You will get all the answers in this book, and in this process, you may find a new perspective on life too.

    But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion. By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.

    This book takes the view that business is an exciting process and that accounting is the perfect window through which to understand how economic events affect businesses.

    Joe Tichio, creator of Greatest-Inpsirational-Quotes.com, shares an extraordinary collection of his favorite and most inspirational quotes from around the world and throughout history. The wisdom on these pages will empower and encourage you to live your life to the fullest. Start each day with a powerful dose of wisdom and inspiration as you are guided to take action, overcome fear, boost your self-esteem, create success, enjoy life, claim your inner strength, and make your dreams come true.Employ your time in improving yourself by other men's writings, so that you shall gain easily what others have labored hard for.-Socrates

    Written by J. Jason Horejs, owner of Xanadu Gallery in Scottsdale, AZ, Starving to Successful will give you pragmatic advice and concrete, actionable steps you can begin implementing immediately to become more successful in marketing your work to galleries.Gain insight into what a gallery owner is thinking as he or she reviews your portfolio. Understand why the most common approaches artists make to galleries are largely ineffective. Learn what most artists fail to do in preparing their work for sale.Starving to Successful will change the way you look at the artist/gallery relationship, and will set your art career on a new path.About the AuthorArt flows through Xanadu Gallery owner J. Jason Horejs veins. Second generation in the art business, (Horejs father is a nationally recognized oil painter John Horejs) Horejs life has always been filled with art. Though not interested in pursuing a life as an artist, Horejs fell in love with the business side of art at an early age. At age 12, the future gallery owner was employed by his father building custom canvas stretchers.In 1991, at the age of 17, Horejs began working for Legacy Gallery in Scottsdale, AZ, where he learned the gallery business from the ground up. Horejs handled logistics, shipping and installation, eventually working into a sales position at the western art gallery. Horejs worked in the gallery s Scottsdale and Jackson Hole, WY, locations.In 2001, Jason and his wife, Carrie, opened Xanadu Gallery in Scottsdale. In spite of opening on September 11th into a completely changed art world, Horejs built the gallery into a successful venture, showing dozens of artists and selling to collectors from around the world, including major municipal and private collections.In 2008, Horejs developed a series of art marketing workshops designed to help artists better understand the gallery business and better prepare themselves to approach galleries. This series of workshops has helped hundreds of artists get organized to show and sell their work through galleries."I discovered," says Horejs, "there was very little information out there for the aspiring professional artist regarding the business side of art, especially in terms of the crucial relationship between the artists and the fine art gallery. Even artists who have graduated with master s degrees leave school having never heard a word about how to approach galleries."Horejs observes that artists approaching his gallery are making many of the same mistakes, not because their work isn t gallery-ready, but simply because they don t have a clear idea of how to proceed. Horejs designed his workshops working closely with his parents and other artists who have learned the ropes of working with galleries by trial and error. The clear-headed advice the gallery owner gives is designed to give the artists concrete steps they can take to prepare their work, research galleries and approach galleries for representation.

    1 Lakh/ below US$ 2500 car), is set to change our perception of India': on the threshold of becoming a truly global brand.*s oldest and most respected corporate brand. With a major international presence, in a variety of areas including steel, tea, chemicals, communications and software, Tata now stands 65th in the world brand valuation league. But what is the Tata brand all about? What are its values? How do people perceive it, in India and around the world? In this absorbing and informed book Morgen Witzel digs into the heart of the Tata enterprise, describes its origins, how Tata's reputation and image evolved, and how the group has worked to transform that image into a powerful and valuable brand. Tata: The Evolution of a Corporate Brand goes to the core of the Tata ethos to explore the unique relationship between the Tata group and the Indian people, a relationship that goes beyond the achievements of a successful business to its social contributions for its employees and the society at large. Finally it asks how that reputation will be perceived and understood as Tata moves into global markets. Whether you re an entrepreneur, a manager, a marketer, or an interested Tata loyalist this book will help you understand the durability of the brand and inspire you with the values it holds onto in the global economy.

    Now Jason Jennings, a bestselling author and international business consultant, offers a groundbreaking look at how to boost productivity and your bottom line.In Less Is More, Jennings shares tested and successful programs from the leading giants in industry and presents new trends that businesses of all sizes will be able to implement. Inside, you'll learn how to:increase sales 300 percent without increasing head countbecome 10 times more efficientkeep track of every pennyuse technology and automation in your favorWritten in the same breezy, informative style of Jennings's previous book, Less Is More is sure to join its predecessor on bestseller lists nationwide.

    "This book will change the outlook of those who read it." - Murali Vijay, Indian Cricketer "This book changed the way I looked at vacation planning and...I only wish that I had access to it at the start of my career." - Muthu Krishnan From the Author This step by step guide to your version of the Rich Life includes: - How your attitude toward money should move over from 'past looking' to 'future focusing' -How to find mistake fares to Europe, Pacific and Far East and make that extended 4-day weekend, Thai trip for under 10k INR - Years of research resulting in 40 resources of 'free and cheap accommodations' for vacations - Tried-and-tested scripts to negotiate down credit card, Dish TV, Phone and Internet Bills - How credit cards can help you lower home-loan payments - How to setup the cashflow, so that you can make Diwali, Birthdays and other repetitive expenditures, a breeze - How to make big purchases like a home or a car - a walk in the park - How to invest for your retirement with peanut money now - Enjoy guilt-free irrational spending while also being responsible over the future - Automate every part of your money-life If you are in a 9-5 and are even part-disgruntled, Gamechanger is going to be the turning point of your life

    Kidd shares his journey after graduating with his MBA and landing his dream job at Credit Suisse. But getting the job is just half the battle and after an intensive training period in Zurich and New York he's left to fend for himself - one man and his student loans against a two-year ticking clock to bring in forty million dollars or get fired. How he strives to make those essential connections and eventually bring in far more than forty million....and what happens to those that can't make the cut, proves mind blowing. Because it's all about the schmooze. Infused with hilarious references to the "Wall Street" films, indie rock music, and a devil may care attitude, this is not your father's Wall Street tell-all.

     From energizing morning routines, to insanely efficient work routines, to empowering evening rituals, the ultra-successful structure their days to utilize every last waking minute to its fullest potential. And in this book, you will learn how to do the same. How will you learn to create the ultimate daily routine? Inside the book: The secret to creating the ultimate morning routine so you can have your best day every day (Hint: It has 3 parts) How to get more done with an ultra-efficient work routine (plus the ultimate work routine for squeezing every last drop of potential out of your work hours) How to renew your energy throughout the day with an “energy ritual” for all-day energy and productivity (plus how to schedule tasks according to your energy levels) Why having cold showers every morning can leave you feeling more energized, happy, and productive The secret to waking up feeling energized (Hint: It has nothing to do with how long you sleep for) How to finish your day with a powerful evening routine so you can kick ass the next day (plus an example of a great evening ritual you can copy) And much more… To create a powerful daily routine and perform at the peak of your abilities day in and day out, scroll up to the top of this page and click BUY NOW.

    

    "The Powell Principles " outlines the decision-making habits, success strategies, and leadership philosophies of Secretary of State Colin Powell, and provides fascinating examples of how Powell has used them to overcome numerous obstacles in his climb to the top. Filled with insights that are refreshingly honest, this concise, powerful book reveals how you can dramatically improve your leadership skills and achieve unmatched levels of professional success, while inspiring others to extraordinary performance.

    From lean and project management to statistics and data analysis, the DMAIC process is explained in a clear and insightful manner. Figures, tables, references, useful appendices, and a full sample test only add to this book's comprehensiveness.

    but has never found the time to do so. In short, John D. Spooner has been carefully crafted a series of essential life lessons that every young person just out of college or high school needs to read before they embark upon their own life's adventures. Told in friendly and reassuring tones, Spooner relates wonderful stories to illustrate and gently guide the next generation of what they can expect when searching for a job, how to know if you've found the right spouse, insights on how to plan for one's financial future, how the internet has changed our lives, dealing with adversity in life, and much, more more. No One Ever Told Us That condenses all of this key information into one volume - and it's presented in a clear-eyed way that only a loving grandparent can. For decades, John D. Spooner has been one of America's leading financial advisors. Now, as his own grandchildren are on the frightening cusp of adulthood, Spooner has chosen to impart his wisdom to them -- and to readers everywhere -- in the form of old-fashioned letters.