To build and manage your wealth, you must look at your situation holistically: build your character, standards, dreams, goals, and personal aspirations from the inside out. By developing both self-sufficiency and a connection with your community, it is possible to create wealth for yourself no matter who you are, what you do, or where you come from.

    This book, covering both the Cambridge IGCSE and O Level courses of the Cambridge syllabuses, draws extensively on real world examples to explore economic concepts, theories and issues. A number of activities, based on examples from qround the world, are designed to facilitate students' easy understanding of the contents. Principles and practices have been explained in simple language and lucid style to enhance the accessibility of the content to students whose first language is not English.

    In the end, she was forced to leave another country. Five years later, she returned with a pair of beautiful dragon and phoenix treasures! However, on the day of her return, she had offended the handsome CEO. What shocked her even more was that this CEO and her son looked exactly the same! "A pair of cute photos of Gongzi Bao accidentally went viral on the internet. One day, the CEO stepped forward and blocked her path." "Women, let's talk about the right to the care of children!" "Let's not talk about it!" A man placed her against the wall, "Alright, let's not talk about our children. Let's talk about when we can get a marriage certificate!"

    The debate has been mostly marked by mud-slinging and name-calling and the debates that have ensued often have no basis in fact. While most people have a hazy notion of black money, only a few are able to unpack the concept to reveal its various shades.In this e-single, which is part of a larger, ongoing work, Prof. R. Vaidyanathan provides the reader with a brief overview of black money—its generation, its estimates and how and why it is spirited away to tax havens. This is a unique, timely work that packs in much information and offers a 360-degree view of the issue.Prof. R. Vaidyanathan recently retired from IIM, Bangalore as Professor of Finance. He is now Cho S Ramaswamy Visiting Professor of Public Policy at Sastra University, Thanjavur.

    Now in its eleventh edition, it has become the standard introductory text for accounting students and professionals alike. The book is used on a wide variety of courses in accounting and business, both at secondary and tertiary level and for those studying for professional qualifications. It builds on Business Accounting 1 to cover advanced aspects of financial accounting. It also covers introductory aspects of management accounting suitable for use at all levels up to and including professional foundation level courses and first-year degree courses.

     Melanie Roberts is desperate. She needs money fast—and lots of it—or her mother is going to die. Enter Riyad al Tahan, a handsome sheikh who is equally desperate—for an heir. From the moment he sees Melanie, his desire burns him inside out. And he can have her...for a price. For Melanie, the arrangement seems simple...at first. But what begins as business soon becomes a sensual journey for them both. What will happen when the contract is up? With their fates intertwined forever, can either really say "goodbye"? Note: this story features hot, sexy scenes between a powerful sheikh and an innocent female lead.

    This raunchy love story is about Toya, Tershia, and Lauren. They are big beautiful women who are a force to be reckoned with because they stop at nothing when it comes to finding and keeping love. But, Lauren’s love is a little different from the rest. She rather have money than love and sex with wealthy men spells love to her. Toya is hopeless when it comes to love. She is no stranger to heartbreak and her husband is the cause of most of it. So, Toya wonders if her Mr. Right is out there or will she have to settle for a man that’s not worthy of her love. Tershia is married with kids. She is deeply in love with her husband. They have a big house, cars, and own a salon, so she feels that she is the envy of Toya and Lauren. Find out why Big Girls Need Love and how these ladies handle this twisted sensation they call love.

    [It] assumes only college algebra and introductory statistics since 'the greatest attention is given to economic aspects of econometrics.'" The author's extensive revisions of several chapters and sections are aimed at further clarification of important and relevant data.àR

    As they see matters, wealth in the form of means of production and wealth in the form of consumers’ goods are essentially indistinguishable. For all practical purposes, they have no awareness of the existence of capital and of its importance. Thus, capitalists are generally depicted as fat men, whose girth allegedly signifies an excessive consumption of food and of wealth in general, while their alleged victims, the wage earners, are typically depicted as substantially underweight, allegedly signifying their inability to consume, thanks to the allegedly starvation wages paid by the capitalists.The truth is that in a capitalist economic system, the wealth of the capitalists is not only overwhelmingly in the form of means of production, such as factory buildings, machinery, farms, mines, stores, warehouses, and means of transportation and communication, but all of this wealth is employed in producing for the market, where its benefit is made available to everyone in the economic system who is able to afford to buy its products.Consider. Whoever can afford to buy an automobile benefits from the existence of the automobile factory and its equipment where that car was made. He also benefits from the existence of all the other automobile factories, whose existence and competition served to reduce the price he had to pay for his automobile. He benefits from the existence of the steel mill that provided the steel for his car, and from the iron mine that provided the iron ore needed for the production of that steel, and, of course, from the existence of all the other steel mills and iron mines whose existence and competition served to hold down the prices of the steel and iron ore that contributed to the production of his car.And, thanks to the great magnitude of wealth employed as capital, the demand for labor, of which capital is the foundation, is great enough and thus wages are high enough that virtually everyone is able to afford to a substantial degree most of the products of the economic system. For the capital of the capitalists is the foundation both of the supply of products that everyone buys and of the demand for the labor that all wage earners sell. More capital—a greater amount of wealth in the possession of the capitalists—means a both a larger and better supply of products for wage earners to buy and a greater demand for the labor that wage earners sell. Everyone, wage earners and capitalists alike, benefits from the wealth of the capitalists, because, as I say, that wealth is the foundation of the supply of the products that everyone buys and of the demand for the labor that all wage earners sell. More capital in the hands of the capitalists always means a more abundant, better quality of goods and services offered for sale and a larger demand for labor. The further effect is lower prices and higher wages, and thus a higher standard of living for wage earners.Furthermore, the combination of the profit motive and competition operates continually to improve the products offered in the market and the efficiency with which they are produced, thus steadily further improving the standard of living of everyone.In the alleged conflict between the so-called 99 percent and the so-called 1 percent, the program of the 99 percent is to seize as far as possible the wealth of the 1 percent and consume it. To the extent that it is enacted, the effect of this program can only be to impoverish everyone, and the 99 percent to a far greater extent than the 1 percent. To the extent that the 1 percent loses its mansions, luxury cars, and champagne and caviar, 99 times as many people lose their houses, run-of-the mill cars, and steak and hamburger.

    Together the chapters illustrate how economic theory and rigorous empirical analysis can shed light on some of the most important issues in social science and public policy namely, under what circumstances individuals break the law and how sanctions can be structured to most effectively prevent such behavior. This book will be an excellent resource for graduate students and researchers not only in economics, but in other social sciences as well. Brian A. Jacob, Harvard University, US This is a superb collection of one of the most important literatures in law and economics. The editors, two of the most productive and gifted scholars in this area, not only show the important historical evolution of the theoretical issues stemming from the seminal article by Gary Becker, but they also give a survey of the leading empirical works on the most salient issues in criminal justice. The editors introduction is a deft summary of one of the most significant contributions that economic analysis has made to the study of law. Thomas S. Ulen, University of Illinois, Urbana-Champaign, US The volume presents the seminal articles in the economic analysis of the criminal law. The articles include the path-breaking theoretical economic analyses of criminal behavior and the leading empirical tests of these theories. The volume also contains the most prominent economic analyses of the substantive doctrines of criminal law and criminal procedure. Other articles present influential applications of economic concepts and evidence to perennial issues in criminal law and criminal justice, such as gun control, drug prohibition, and sentencing policy. An introduction by the volume editors provides a comprehensive overview of the works included. Economics of Criminal Law will be an essential source of reference for scholars, graduate students in both law and in economics, and practitioners.

    This book is for civil engineers that teach fluid mechanics both within their discipline and as a service course to mechanical engineering students. As with all previous editions this 10th edition is extraordinarily accurate, and its coverage of open channel flow and transport is superior. There is a broader coverage of all topics in this edition of Fluid Mechanics with Engineering Applications. Furthermore, this edition has numerous computer-related problems that can be solved in Matlab and Mathcad.

    Follow The Effortless Step-By-Step Instructions In The Book To Completely Get Rid Of Your Accent and speak English like a native! How to speak English fluently? Learn from the success to perfect your English pronunciation, your tone, your flow, your expression, and everything you need to speak English naturally just like a native speaker would to make you speak English like a native speaker. So that instead of saying "how learn English" --> you would naturally say "how to learn English." What Level Of English Fluency Will You Achieve: Short Answer: Native. How to speak English like a native? Effortlessly Follow The Step-By-Step Instructions In The Book To Achieve The Highest Level Of Fluency, Making You Speak English Like A Native Speaker. The Author Is A Successful English Learner: This Book Is Written By An English Learner Who Successfully Learned To Speak English Like A Native Speaker. While Knowing Only Little English, The Author Started To Learn English Fluency At The Age Of 20 And Successfully Turned His Broken English Into Fluent English In Just 6 Months. "English spoken" It's actually "Spoken English." In The Continuing Effortless Practices, He Then Perfected His Fluency, Making Him Speak English Like A Native. "How speak English?" Well, it's "How to speak English?" You'll naturally speak it in the right way after following the step-by-step instructions in the book. Likewise, "English grammer," "Grammar English." it's actually "English grammar." Use For English And Any Other Language: The Author Founded The Myfluentenglish Formula Which He Used To Perfect His Speaking In English. Using The Same Formula, The Author Also Perfected His Speaking In Two Other Languages. This Formula Is Designed To Make You Speak English Like A Native. The Formula Is Also Designed To Make You Speak Any Other Language Like A Native. Just Follow The Step-By-Step Instructions In The Book. The best way to speak English. It's OK to type "The best way to speak Englosh." One out of 100 people would type Englosh instead of English. Learn English tenses, English verbs, grammar, vocabulary, fluency and everything you need to speak English like a native naturally by following the instructions in Talk English! What Comes With It: Talk English - How To Learn From The Success To Speak English Like A Native, A Step-By-Step Guide To Learn Spoken English + Bonus 1: Let's Get Started - 3 Strategies To Start Speaking English Immediately + Bonus 2: Let's Talk - How To Start A Conversation In English + Bonus 3: Vocabulary Built Solid - 6 Ways To Build A Rock Solid Vocabulary + Bonus 4: Free Lifetime Access To Native Study Materials. What readers are saying: THIS is the book every English learner NEEDS to read. Crystal F. Canada After 2 weeks, the change is significant. Most importantly I think like a native speaker starting building a little bit in my subconsciousness. Dexuan L. China How I can speak English so fast without accent? With your tips I can do it. I will recommend to my friends with broken English because I think your book is very helpful for me and other people like me to learn speak fluent English. Thank you so much! Farah A. Iran The book provides the readers a workable way on how to get to speak fluent English. It's simple, straightforward, and most important of all, its focused and not too way long to cost the readers too much time. Joanne L.

    What made ancient India the Golden Bird in the first place? What did China, the Land of the Dragon, have in common with India, and when did these two ancient civilizations diverge on their paths to global success? Raina Singhwi Jain discusses the immediate need and measures for a quantum jump in our attitude towards development. While conventional wisdom suggests improvements in manufacturing, the ease of doing business and digital technology, Jain goes a step further, drawing surprising parallels between other areas that beg our attention—process engineering, communication design, journalism, and education. This is a work of reflection and a call to action, urging Indian denizens to act now for a revival of the genius that lies dormant within each one of us.

    Economics, finance, business & management

    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.