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.

    Drawing from his own life and business triumphs, Schussler offers would-be entrepreneurs a new way of utilizing creativity to achieve their dreams. Schussler distills his principles for entrepreneurs on a budget, and also reveals the ways in which his lessons-from self-branding to developing strategic partnerships to giving recognition where recognition is due-can work in larger corporations. Just like his famous themed restaurants, Schussler's insights provide entertainment, education, and ample food for thought for all business people aspiring to their next level of success.

    

    

    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

    Froeb/McCann's MANAGERIAL ECONOMICS: A PROBLEM SOLVING APPROACH, 2E covers traditional material using a problem-based pedagogy built around common business mistakes. Models are used sparingly, and then only to the extent that they help students figure out why mistakes are made, and how to fix them. This edition's succinct, fast-paced presentation and challenging, interactive applications place students in the role of a decision maker who has to identify mistakes that reduce profits, and propose solutions to bring profits back up. The lively book provides an excellent ongoing reference for students pursuing business careers. New chapters and updates highlight mistakes that precipitated the financial crisis. With MANAGERIAL ECONOMICS, 2E your students are taught to use economics to not only identify profitable decisions, but also how to implement them within an organization.

    

    He also analyzed his own story of being on top to crashing to the bottom. This book is not just boring training or education - it's full of amazing stories and colorful examples to help you master each STEP of becoming a Successful Entrepreneur. Go on this entire journey with Anik Singal and master the 4 Stages of becoming an Entrepreneur:   S.C.A.P. (Self, Catapult, Authority and People) .  Many people are saying that this book is an absolute for EVERY Entrepreneur in the World.Anik Singal has built over 6 companies, having sold over $200 Million worth of products and has taught 250,000+ students all over the World about every aspect of Entrepreneurship.

    Don't worry, you're not alone. Heck, you might have already read a book or two on this exact topic - there are a few out there. So why would we write another one? Because rarely will you find a book that shows you the exact steps to accomplish a specific goal. And one that's enjoyable to read to boot! No fluff, no information you don't need just to fill up space. In Make Money as a Freelance Writer, Gina Horkey and Sally Miller give you the exact steps you need to start a freelance writing business from scratch. Nothing more, nothing less. Best of all, you'll discover how to land your first paying client - even if you're starting from zero. And by following the seven steps listed in this book, you can be earning $1,000 as a freelance writer in as little as 30 days. Not bad considering the price of the book, right? Completing the action steps listed in Make Money as a Freelance Writer will help you to: * Choose your top niche(s). * Acquire your first few samples. * Create your freelance writing portfolio. * Start sourcing writing work. * Send your first several pitches. * Land your first client. * And earn your first $1,000! Reading this book (and doing the work) will save you time, money and your sanity. Don't keep trying to figure this whole freelance writing thing out on your own. Or read everything on the internet covering the subject without taking action, because you're so confused and overwhelmed by the vast amount of information that exists. These seven steps haven't just worked for us. These steps have worked for thousands of other freelance writers in our community. So read the book, join the ranks and start earning as a freelance writer today. Are you ready to turn your writing hobby into some cold, hard cash? These steps can work if you're a stay-at-home mom looking to add a little extra income to your household budget. Or if you're a college student in need of a part-time job to pay the rent. Or maybe you dream of escaping your nine-to-five. You want financial freedom and a more meaningful life. These steps help you accomplish that too! Whatever your reasons, Make Money as a Freelance Writer shows you how to start a freelance writing business from nothing and earn your first $1,000 as quickly as possible. So what are you waiting for? Click the BUY NOW button at the top of this page and start taking specific actions to make your dream of getting paid to write a reality!

    In this sequel to "It Won't Hurt a Bit", it's time for Jane Yeadon to move on from her basic training to her exciting new life as a midwife. It's a whole new challenge with a new set of intriguing colleagues far from home as she heads from Scotland to Belfast for a brand new adventure. When she arrives at the Royal Maternity Hospital, Jane encounters the usual glacial matron overseeing the nurses and doing her best to keep them out of too much trouble, as well as fellow nurses English Cynthia, Timid Marie and Strongminded Margaret. As they're thrown in at the deep end, Jane discovers that this is life in the medical fast lane where there are very few straightforward births and every day is a steep learning curve. And as well as their daily work, the nurses get caught up in the local issues and find out that there is also much to learn about this divided community which is rapidly being overshadowed by the gathering Troubles which will soon rip the city apart.

    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.

    His profound and poetic speeches are famous around the world, evidence of the greatness of American’s most beloved leader. But did you know that the sixteenth president of the United States was also a backwoods hillbilly from America’s western frontier, with a Kentucky accent so thick you could cut it? Or that he liked wrestling matches, dirty jokes, and had a reputation for telling hilarious, R-rated stories that weren’t suitable for mixed company? From his childhood working as a virtual slave for an abusive father, to sailing a river raft to New Orleans, to the Illinois General Assembly, Congress, and the White House, the story of Abraham Lincoln’s life is the story of America. He mourned the deaths of almost everyone he loved, endured marriage to a wife whose mental health issues made her a domestic abuser, and lost more elections than he won. But Abraham Lincoln believed in one thing above all: that everyone deserved a fair shot at the American dream. Why did John Wilkes Booth really shoot Abraham Lincoln? The truth is as shocking now as it was in 1865.

    On the heels of the most recent economic crisis, America is headed toward another: high inflation and dollar devaluation. Charles Goyette reveals the governmental errors that led to the current economic crisis and the bumpy road ahead. The signs are clear: Federal debt is compounding while growth has stalled, and America's foreign creditors are questioning the dollar's reserve currency status. Meanwhile, the "hidden" federal debt, much larger than the official debt, makes things even worse. So what can you do to safeguard your assets when the dollar heads south? This book is the essential guide for protecting yourself--and even profiting--in this time of financial turbulence. In clear detail, Goyette explains the alternative investments--from gold and silver to oil and agriculture-- that will remain strong in the face of mounting inflation. The Dollar Meltdown gives you the tools to maintain the value of your savings and captilize on the coming opportunities. Don't get left holding the bag after decades of government irresponsibility. The Dollar Meltdown shows you how to take the safety of your finances into your own hands.

    Breaking everything down into simple and achievable steps, he makes this daunting process easy. Learn how to:- Find your perfect pad- Choose which mortgage is right for you- Negotiate with estate agents and sellers- Organise exchange and completion Including indispensable advice, money-saving tips and an essential trouble-shooting section, this guide covers everything a first-time buyer needs to know. And when it's time to move on again, this book will show you how to sell your home too.Phil Spencer is one the best-known faces on British television, co-presenting the hit Channel 4 series Location, Location, Location and Relocation, Relocation. Phil has written regularly columns in The Sunday Times and Country Life, and is contracted to Archant publishing to write columns that are syndicated in the group's numerous local glossy magazines which are distributed nationwide. Recent TV appearances include on The One Show, Children in Need and The Friday Night Project, and Phil also regularly appears on the radio to discuss property issues.

    Now it has developed into a proof of concept that Youths can build a STRONG CHURCH.GenerationS is a mindset-shifting, heart-changing book that shows you how to raise up generations of young people in your church to build His kingdom.After over 20 years, this youth church, operated by youths, for youths to reach youths, still has an average age of 22.Bonus #1: Contributors and 'Inside Stories'Read 1,000+ word contributions from 13 other contributing writers that provide an 'inside look' and 360º view of HOGC.Director of Global Relations, a Westerner's perspective on an Asian church Board member in his 60s, on what older people do in a youth churchChief of Staff, on what goes on inside the Senior Pastors' OfficeHead of Global Partnerships, on what co-senior pastoring looks likeBonus #2: Comes with Digital CompanionGo beyond the chapters! Access 100+ bonus content and interactive materials when you scan QR codes from within the book.