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.

    Captain Shore’s enthusiasm for firearms and especially for rifles led him to take every possible opportunity to try out different weapons, ammunition and methods of shooting. His interest was combined with sound common sense, and he would never countenance a rumour about a particular weapon or incident unless he was able to confirm it for himself.As a result everything in this book is based on his personal experience. In World War II Captain Shore took part in the British landings at D-Day, and fought in Normandy and northern Europe. He came across many different weapons in varying condition, some of the worst being those used by the Dutch and Belgian resistance fighters. He was keen to learn from experienced snipers and then to train others, and he became an officer sniping instructor at the British Army of the Rhine Training Centre.He shares a wealth of first-hand knowledge of different rifles, pistols, machine guns, ammunition, telescopes, binoculars and all the equipment a sniper should carry. This is not only an account of sniping in World War II but also a guide to all aspects of sniping based on personal knowledge and experience in training and battle. Illustrated heavily with photos, pictures and other illustrations of snipers, their weapons and their tactics.

    Just sixty Royal Marines stood in the way of an armada of thousands, 8,000 miles from home and with no support. The story that followed was one of a shameful defeat and ignominious surrender. A story which has lasted for 35 years. Now, with first-hand accounts from the Royal Marines themselves, from the Argentine Marines who fought against them and from the people of Stanley who watched the battle rage on their very doorsteps, a new history has emerged. It is the story of an epic and heroic defence on a scale with Rorke's Drift; a story which neither the British nor the Argentine governments wanted told. It is a battle denied; the battle of Stanley, a battle which - we are told - never happened.

    He's an elite army JTAC (Joint Terminal Attack Controller- pronounced 'jay-tack') - a specially trained warrior responsible for directing Allied air power with high-tech precision. Commanding Apache gunships, A10 tank-busters, F15s and Harrier jets, he brings down devastating fire strikes against the attacking Taliban, often danger close to his own side. Due to his specialist role, Sergeant Grahame usually operates in the thick of the action, where it's at its most fearsome and deadly. Conjuring the seemingly impossible from apparently hopeless situations, soldiers in battle rely on the skill and bravery of their JTAC to enable them to win through in the heat of the danger zone. Fire Strike 7/9 tells the story of Bommer Grahame and his five-man Fire Support Team on their tour of Afghanistan. Patrolling deep into enemy territory, they were hunted and targeted by the Taliban, shot at, blown-up, mortared and hit by rockets on numerous occasions. Under these conditions Sergeant Grahame notched up 203 confirmed enemy kills, making him the difference between life and death both for his own troops and the Taliban.

    There is nothing wrong with that desire. But you must have known the secrets of avoiding losses. Share Market is a field that has of late developed overwhelmingly. Millions of people invest in it with enthusiasm and are interested in knowing details about this grey area. Sadly, not everyone who invests in it earn profits. Some people who constantly learn end up earning, but those who do not know anything about it and put their trust on luck lose miserably. This book shows the way to avoid losses and increase gains in share market. This comprehensive book touches upon every aspect of stock market investment. A fantastic starting point for anyone aspiring to enter into the unknown world of share market. Even for investors who are already in the market, this book can serve a guide. People say, you either earn or learn in share market. This book preaches the secrets of learning and earning at the same time. This work takes you through an introduction about shares, functioning of share markets, relevance of stock market indices and different approaches for primary & secondary market investments. In also talks about the real qualities of an investor and how he differs from a speculator in the marketplace. Relationship between inflation & investments and the need for achieving inflation adjusted returns are stressed upon. Various stock selection processes, approaches to adapt for different market conditions and more more importantly the art of avoiding losses are discussed in details. You will learn how to analyse a company, its shares, market dynamics, how to value a business, what price to pay for a company etc. All important parameters, numbers and ratios are explained with interesting real time illustrations. Difference between value investing and growth oriented stock selection process is analysed thoroughly, Likewise, fundamental analysis and technical analysis are compared in a rational way. On top of these, this books describe the qualities that differentiate successful investors from ordinary ones. Those qualities are analysed in detail. More importantly, the book stresses the importance of identifying bad companies and unethical management, and teaches how to stay away from them.

    The book follows individual operations where special forces, aircraft, and the latest surveillance technology are fused together - in order to capture key figures or simply take out an enemy stronghold.The books account is both gritty and graphical as it follows the SAS, battling at times against overwhelming odds in a hostile country. Fighting a war hardened enemy with years of experience fighting occupying forces. Even these elite soldiers with advanced weaponry and immense fire support at their disposal are put to the ultimate test of skill and courage fighting in the 'Stan.'

    

     Attu was the westernmost island in the Aleutian chain, located one thousand miles from Alaska, and subject to brutal weather all year round. Prior to the war it had been home to two Americans and forty-five Aleut hunters and their families, but in June 1942 the Japanese had seized the island and now had over two-thousand troops on the barren island threatening the security of the U.S. mainland. The Battle of the Komandorski Islands in the Bering Sea on March 26, 1943, cleared the way for attempt to retake the island of Attu. Code-named Operation Landgrab, the U.S. military planned for the invasion to take place in May. Army planners had initially thought this would be a quick operation, but instead of being a short invasion it dragged on for over two weeks. The Japanese had realized that their options were limited and so launched a last-ditch banzai charge against the American frontline that was suffering from brutal Arctic conditions, equipment failures and food shortages. Although the U.S. military was able to recapture the island it had cost the lives of over five hundred American soldiers. Robert J. Mitchell, Sewell T. Tyng and Nelson Drummond’s book The Capture of Attu provides fascinating insight into this ferocious conflict. Part One of the book provides an overview of the military campaign while Part Two provides personal narratives of the soldiers who fought. This book attempts to put the reader on the battlefield with the ground soldier. Men who fought on Attu, officers and enlisted men, told their stories to Lieutenant Robert J. Mitchell of the 32d Infantry, one of the regiments engaged. These stories tell of the discomforts and perils, the failures and successes, the fear and courage, the many fights between small groups and the occasional humor, of which battle consists. Robert J. Mitchell served as a lieutenant in the US Army's 7th Infantry Division in World War II, being stationed on Attu Island off of Alaska as well as other areas of the Pacific. He was shot in the chest while on Attu and carried the bullet for the rest of his life. While recuperating, he wrote the stories of the other men in his hospital tent. For this he was made an aide to the general in charge of media for the rest of the war. He passed away in 1992. His co-authors Sewell T. Tyng and Nelson Drummond also served on Attu and passed away in 1946 and 1999 respectively. Their book The Capture of Attu was first published in 1944.

    Not only was he hated by the whole world, even some of his own military commanders didn’t like him. Most leaders around the world rely on one, maybe two bodyguards to keep them safe. Even the President of the United States today has only one or two teams of security personnel; while there may be many men and women who take turns to protect their leader, the numbers are not as big as you would expect it to be. We will look at the origins of a number of bodies, such as the ‘Sturmabteilung’ or the SA, the Schutzstaffel (the SS) and the many other sub-sections of the SS such as the FBK, the LSSAH, etc., all of which were tasked with protecting Hitler. From the background, we will move on to individual accounts of men who served on these teams – they were Hitler’s personal bodyguards and some stayed with him until the very end. Humanity’s depraved nature came to fore with these men; despite having a master who was truly mad and ravenous for blood, they served him loyally. Was it because they were also as depraved as he was? Or were they afraid for their lives and did what they had to, to survive? We can only wonder... ===>>> Download this book today! <<<===

    . .we do not forget." It is the year 2000, and with the new millennium has come the fresh promise of peace in the Middle East.But when a pair of IDF reservists are brutally lynched in the West Bank town of Ramallah--the graphic imagery of their final moments broadcast around the Western world. . .all hopes of peace are shattered.As Israel mourns her dead and America attempts to salvage the peace process, the Mossad is tasked with finding and bringing to justice those responsible for the butchery, activating a Kidon team led by a young assassin known only as Ariel. . .The "Lion of God."But as the hunt narrows, it quickly becomes apparent that nothing is as it seems. And vengeance far from the only agenda in play. . .The Lion of God Trilogy represents an expansion of Stephen England's best-selling Shadow Warriors universe, and this volume includes all three previously-published individual episodes now compiled into a single volume.

     Launched in 1936 by Princess Marina, the Duchess of Kent, HMS Sheffield was the third of the Royal Navy’s ten Town-class cruisers. She marked a number of firsts: the first ship to be named for Sheffield, the first to have stainless steel fixtures instead of brass, and the first to carry operational RDF (Radio Direction Finding) equipment. Old Shiny, as she became affectionately known, was manufactured to the high standards of peacetime. Even hitting a mine was unable to render her inactive for long. Her crew simply manufactured a wooden patch, and saw her safely home. Achieving twelve honours over thirty years’ service, Old Shiny notably exchanged salvoes with the Bismarck, engaged Admiral Hipper and Lützow, and helped sink Scharnhorst. A more unusual deployment came in 1956, as HMS Sheffield was one of the ships loaned by the Admiralty for the Technicolor epic The Battle of the River Plate! Drawn from the experiences of the men who lived, fought and served on board, in HMS Sheffield Ronald Bassett paints an evocative and highly personal portrait of Old Shiny, and shows how she was more than just a warship. Praise for Ronald Bassett ‘One of the most impressive things I found about the book was that you got a real feel for the time and place. Scenes set in India or England felt different and I think that's a great achievement.’ – Library Thing ‘vividly described … the voyage as seen through the sleep-robbed eyes of matelots and officers alike’ – Daily Telegraph ‘A catalogue of horror’ – Eastern Daily Press ‘There is a degree of authenticity that makes the blood run cold’ – Cambridge News ‘Fast, vigorous action’ – Sheffield Morning Telegraph ‘Graphic tale of slave and convict ships… not for tender stomachs’ – Books and Bookmen Ronald Bassett (1924-1996) was born in Chelsea. During the Munich crisis, at age fourteen, he falsified enlistment papers to become a Rifleman of the King’s Royal Rifle Corps (60th Rifles). Following active service, he was exposed and discharged. In his records, his colonel noted, ‘A good soldier. I am sorry to lose him.’ Undismayed, he immediately entered the Royal Navy, in which he remained for fourteen years, serving in the Arctic, North Atlantic, Mediterranean, the Far East and, later, Korea. He died in Surrey.

    

    Lieutenant David Brent and his crew are waiting on a torpedo boat – fast, agile and terribly vulnerable.They are the sole members of a Commando raiding party, poised to charge ashore on a carefully orchestrated rescue mission. Little do they know that Hell is about to break loose…The near-suicidal mission has been ordered at the very highest level of government. Now, engines idling, alert for the tell-tale sounds of patrolling E-boats, they can only pray to come out of this alive… A nerve-shredding war thriller that crackles with intensity, perfect for fans of Anthony Trew, Douglas Reeman and Philip McCutchan.

    As a result, snipers are regarded as the elite of their units and their skills command the ungrudging respect of their fellows - and the enemy. The Author is one such man who recently served a full tour of duty with 1st Battalion the Royal Anglian Regiment in Helmand Province, Afghanistan. James describes the highs and lows of almost daily front line action experienced by our soldiers deployed on active service in arguably the most dangerous area of the world. As part of the Battle Groups crack Mobile Operations Group, Jamess mission was to liquidate as many Taliban as possible. The reader experiences sniper tactics and actions, whether in ambush or quick pre-planned strikes, amid the ever present lethal danger of IEDs. His book, the first to be written by a trained sniper in Afghanistan, reveals the psychological pressures and awesome life-and-death responsibility of his role and, in particular, the deadly cat-and-mouse games with the enemy snipers intent on their own kills. These involved the clinical killing of targets at ranges of 1,000 meters or greater. Sniper in Helmand is a thrilling action-packed, yet very human, account of both front line service in the intense Afghanistan war and first-hand sniper action. Andy McNab inspired James to join the army and has written a moving foreword.

    The personal experiences of former Army infantry First Lieutenant George Coleman Luck Jr during his year in Vietnam - 1968