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.

    No matter what our financial or family situation, we each get 24 hours a day. In the practical and straightforward style to which his Dragon's Den contestants are accustomed, Duncan Bannatyne explains how we can make the most of our time to get the most from our lives, and not just our working day. What do you really want to do with your life? This book will help you identify the goals and aspirations that really matter to you so that you can make them happen. It will give you the confidence to make your ambitions a reality and teach you how to focus on the things that count. In a series of short chapters, illustrated with examples from his extraordinary career in business, Duncan will show you how to make quicker, better decisions and how to make things happen - fast. Duncan knows more about what can be achieved in a day, a year and a lifetime than most and in this book he shares how you can achieve your ideal work/life balance.

    This book is to help anyone in search of such provision for themselves or a loved one. This book will teach you how to pray for finances. You will also see three ways to receive answers to financial prayers.

    

    Through detailed explanation and over 40 case studies, you’ll learn how to make money by wholesaling, buying, and/or rehabbing small apartment buildings - using none of your own cash or credit, and with no prior experience. You will discover the step-by-step approaches for finding deals, qualifying deals, finding buyers, finding investors and monetizing your small apartment deals; plus how to scale-up to larger apartments. This book contains the know-how and the motivation for you to jump to the fast lane and start doing small apartment deals now. Since 2002, when he bought his first small apartment nothing-down, Lance Edwards has done apartment deals ranging from 3 units to nearly 300 units. And since 2007, he’s also been teaching others how to escape the rat race faster and play bigger - by starting with small apartments.

    When thinking, remembering,implementing, impressing and quoting become inseparable tools for winning, it istime to set the brain diet right!Casson has attempted to do just that in this book, which is a complete manual tounlock the powers of your mind and open the reservoir of your potential. Use thesimple tips to pave your path to success. Build your brain strong enough to fightall odds and reach the pinnacle of success, without much ado.

    I hope it helps you too!

    You can find that information anywhere, don’t have to buy my book to learn that. Wait! Oh! I did that in this book. I did explain how to make soap, I also did give you a few simple recipes too. But I hope that is not why you bought this book.In this book my goal is to explain to you in simple terms how to CREATE great natural and organic soaps and not just MAKE soaps, there is a difference. You will get to see and understand that difference when you understand each ingredients and how they interact and react with each other.& You will not have a great business if you are just making carbon copy of few soaps of other people which your customers can go buy from any local stores. What will make you unique is when you create a blend or two of your own and people start liking your creation. That is when you can hit the home run in business.Imagine growing your soap company into a local, regional and ultimately a national brand, where your soaps will be sold at every Whole food, Body, Bath and Beyond, Home Goods and many other great retailers.&This is a Two Part Book. In the first part I show you how to get started with soap making, I show you every steps you need to take to make your first batch of soap. Then I show you how to test your creation and how to figure out what works and what does not.On the second part of the book, I teach you everything you need to know about turning your new found passion into a successful business. I share my own story and how I turned my passion into a 6 figure business. Though this book is not about my success but yours, but I think you may find it inspiring that an average housewife like myself was able to build the business and then was able to sell it for a good profit. In the First Part I will Show You: Why you should your own Soap Making Business What Soap Making Equipment you will need How to get Started in Under a 1K How & Where to Buy Soap Making Supplies for Cheap What makes a soap Natural and Organic? What is the Difference between Fragrance and Essential oil How to use Various Natural Botanicals in your Soap and Make them Unique How to be Creative with various Soap Molds What and how to Use 32 Various Oils in your Soap How to Scent Your Soap How to Color your Soap with 11 Natural Colorants All the Soap Making methods Step by Step Soap Making Safety Rules to Follow Best & Easiest Recipes to Start with In the Second Part of the Book I Will Show You: Startup Costs for your New Homemade Soap Business How to get started, Step by Step Expected Average Monthly Revenue Average Monthly Expenses How to Start from Home and Save Money How to Find and Develop a Niche for your Soap Business The New Market Trends in the Soap Industry How to Price your Soap for Sale How to Calculate

    Avery Carl, CEO and Founder of the Short Term Shop, will show you how to identify, acquire, and manage a short-term rental from anywhere in the country, plus how to avoid common pitfalls and overcome limitations that keep many would-be investors from ever getting started!In this book, you’ll learn how to:• Identify the best markets for short-term rental investing• Analyze the potential income and profitability of a short-term rental property• Self-manage a short-term rental right from your smartphone• Build a local boots-on-the-ground team for an out-of-state investment• Automate your self-management systems• Use the income from short-term rentals to scale your investment portfolio

    Learn to apply their proven insight and methods for success into your own life!

    

    And you can, too. Come take this amazing journey with Armando Montelongo.

    There is nothing more expensive than ignorance -- let The Educated Franchisee serve as your guide for selecting a franchise that meets your needs!The Educated Franchisee will teach you:-- How to find a franchise that is right for you.-- How owning a franchise can create wealth.-- Where to find quality franchisors.-- What qualities franchisors look for in a franchisee.-- How to gather information from franchisees.-- How to make sure the franchise makes money.-- How to confidently select the best franchise advisors.-- The five keys to long-term success as a franchise.

    As the first black presenter of the glamorous lifestyle TV show Top Billing, she travelled the world and interviewed legends like Oprah Winfrey, Michael Jackson and Luther Vandross. After a successful career in front of the camera, Bassie’s drive and ambition took her into the world of business and entrepreneurship. The street savvy that her entrepreneurial mother bestowed on her as a child stood her in good stead as she built a media empire. In Bassie – My Journey of Hope, Bassie recounts her life journey, including her relationships with mentors like Nelson Mandela. She also shares the secrets of her success and all the lessons she’s learnt along the way. She opens up about the pressures of her high-profile marriage to Romeo Kumalo and their heartbreaking struggle to have a family. She talks honestly about motherhood and maintaining a healthy work/life balance, and unpacks how she pays it forward through mentoring young people she has met along the way.Bassie also describes the legal battles she has had to wage in order to protect her name and her brand over the years. She gives a chilling account of the stalker who has harassed her for decades, and the spurious ‘sex-tape’ allegation that rocked her family and almost destroyed her career. Bassie’s enthusiasm, humour and hope infuses every page of her memoir, making it an intimate, inspiring and entertaining account of a remarkable life.

    This book talks about how one can acquire the expertise to forge leaders, I have delved deep into my interactions with inspiring leaders/mentors who have carved a niche for themselves & benchmarked their best practices for you to imbibe.There is a lot of Vedic & Greco-Roman cultural influence which you shall find in this book, as it draws a parallel between ancient knowledge & its modern interpretation.Each of the 22 Chapters should be perceived as a tool & this book aspires to serve as a instrument to learn techniques to develop leaders & forge them into champions.