What is fate, in a culture of free will and self-determination? Where do we project our doom, that ancient and evolving belief in predestination? In this issue of Granta, twenty-two writers meditate on fate in all its many forms.Includes contributions by Anjan Sundaram, Andrea Stuart, Fatima Bhutto, Sam Coll, Joanna Kavenna, Joseph Roth, Michael Cunningham, and Will Self.

    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.

    Never started a 401k or IRA? Don’t worry. And are you so far behind in your personal finances you’re worried you’ll never be able to retire? It’s all good. Because whether you know it or not, the entire US retirement system is horribly flawed and was doomed to fail anyway. And that’s why every American needs to read “Poor Richard’s Retirement.” “Poor Richard’s Retirement” is a revolutionary retirement system because, unlike today’s conventional retirement planning, it works. It puts retirement easily within the reach of your everyday man. Whether you have student loans, a mortgage, are behind in your retirement planning, or have no retirement savings at all, “Poor Richard’s Retirement” bypasses it all by showing you how little you truly need to retire. And it does so through the simple truth that happiness is not found in $400 yoga pants, luxury SUV’s, McMansions, or whatever lies they’re selling you on TV, but through love of family, friends, and your fellow man. All of which are free. Make retirement infinitely easier and life happier. Buy “Poor Richard’s Retirement” today. Nobody in America has saved enough for retirement…until now.

    This is a collection of his memories with famous and notable people and incidents.

    Less gear. Less anxiety. Less stress. Less fear. A Lesser Photographer is the missing guide you've always wanted to the only gear that really matters: the gear between your ears. In under an hour, you’ll be able to identify the myths you’ve been taught about photography and embrace useful creative habits that will set you apart. Praise for previous editions: “For something beautiful and well-said, check out A Lesser Photographer.” — David duChemin “Amazing read…I really recommend everyone get a copy.” — Chris Marquardt “CJ Chilvers reevaluates what it means to be a photographer in this manifesto. Most of the points apply to virtually any creative endeavor or obsession. ‘The real show is outside the viewfinder.’” — Jim Coudal “I have to say, CJ has a great attitude. If you care at all about photography, he’s a must read.” — Patrick Rhone “Every photographer should follow CJ Chilvers.” — Eric Kim

    This book is written in a simple manner for readers to understand the various terminologies and working process of the financial markets. If you are looking to understand and enter the stock markets but don't know from where to start, then this book is for you. The basic concepts are same for Indian and overseas markets so it will help you understanding both. It will help you as a reference guide for investing in stock markets. Specifically it will help you in:- 1. Know basic terms and conditions of the stock market. 2. Know products and services associated with the stock market. 3. Know how to kick start in stock markets. 4. know Do's and Don'ts in Stock Markets. 5. Selecting a broker. 6. How to make your first trade. 7. Additional mental mastering technique that will help you to achieve more on markets as well in life. 8. Insight of a trader/investor who has more than 10+ years of experience in stock markets. 9. Illustrated examples for more clarity on topics.

    As of January 14, 2016, this is an unverified document. NOTE: this document has been reformatted for the Kindle. It can be searched, bookmarked, annotated, etc. It is not a dump of the PDF.

    The PCs, the i- phones, the i-pods, the tablet PCs all will be a constant reminder of the genuine and witty ways that Steve handled and fondled. He was always lost in a world of his own. He hugged the glory and the downfalls with equal aloofness. Not once were his beliefs shattered. Throughout his life, he struggled and dared to bring his dreams come true. His dreams had a silvery lining of consistency, persuasion and intention. He was unique in every way. The life threatening disease of cancer could not prevent him from working till his last breath, literally. Though stubborn and dominant by nature he stood as a magician in the field of technology. Here is a simple gesture to pay him respect and honour. A magnificent journey presented authentically.

    December 4, 1978.In an appalling demonstration of the way in which a charismatic leader can bend the minds of his followers with a devilish blend of professed altruism and psychological tyranny, some 900 members of the California-based Peoples Temple died in a self-imposed ritual of mass suicide and murder.The followers of the Rev. Jim Jones, 47, a once respected Indianaborn humanitarian who degenerated into egomania and paranoia, had first ambushed a party of visiting Americans, killing California Congressman Leo Ryan, 53, three newsmen and one defector from their heavily guarded colony at Jones-town. Then, exhorted by their leader, intimidated by armed guards and lulled with sedatives and painkillers, parents and nurses used syringes to squirt a concoction of potassium cyanide and potassium chloride onto the tongues of babies. The adults and older children picked up paper cups and sipped the same deadly poison sweetened by purple Kool-Aid.This story is part of the TIME Classic Coverage Collection from Time Inc. This is a reproduction of a story that appeared in the December 4, 1978 issue of TIME magazine. Time Inc. is one of the world’s most influential media companies – home to 90 iconic brands like People, Sports Illustrated, Time, InStyle, Real Simple, Food & Wine, and Fortune. The Spotlight Stories in this collection aim to provide you with a quick read on a single subject, highlighting our readers’ most popular stories and featuring great reporting from our Time Inc. journalists.

    Millions of loyal listeners tune in every week to hear his unique blend of news and views. Now the man who brought us "The Rest Of The Story" brings us the humor behind the headlines in this hilarious collection of truth-is-funnier-than-fiction stories. Told in Paul Harvey's unique, inimitable, and unforgettable style, here are stories that will tickle you, touch you-and just plain make you laugh out loud, such as . . .the jogger who quit running because the wind kept putting out his cigarette, the man who fell into a tree stump and had to be rescued by forest rangers, the nude sunbather on the hotel roof who accidentally stretched out over the dining room skylight, the woman karate expert who stopped a purse snatcher cold--by hitting him over the head with her umbrella, the man who resigned himself to deafness for twenty years--until he discovered his hearing aid was in the wrong ear. From wacky want ads to riotous run-ins with the law, from embarrassing moments at home and work to the frank and funny things kids say, "Paul Harvey's For What It's Worth" celebrates human eccentricity in all its infinitely amusing variety.

    It's bad for society, especially now. . . . Call me crotchety, but I can't help asking, whatever happened to the social contract?'The get-rich-quick exuberance of the late nineties may have temporarily blinded us to how dependent we are on one another. Subsequent events serve as reminders that the strength of our economy and the security of our society rest on the bonds that connect us. But what, specifically, are these bonds? What do we owe one another as members of the same society?With his characteristic humor, humanity, and candor, one of the nation's most distinguished public leaders and thinkers delivers a fresh vision of politics by returning to basic American values: workers should share in the success of their companies; those who work should not have to live in poverty; and everyone should have access to an education that will better their chances in life.An insider who knows how the economy and government really work, Reich combines realistic solutions with democratic ideals. Businesses do have civic responsibilities, and government must stem a widening income gap that threatens to stratify our nation. And everyone must get involved to help return us to a society that works for everyone.

    For the first time, fans of Cohen’s hit podcast, Mea Culpa, can now read the very best of his essays and political analysis from the show all in once place. This book serves as a snapshot of an incredibly dark 50 days in the run up to the most divisive election in modern history. With his signature wit and New Yawk sensibility, get inside the head of Donald J. Trump from the man who knew him best.

    Practical, insightful and moving, this collection of short essays by renowned journalist Lesley Garner acts as a spiritual and emotional first-aid kit.

    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.

    G. Wodehouse is recognized as the greatest English comic writers of the twentieth century, rightly admired throughout the world and translated into more than thirty languages. Launched on the twenty-fifth anniversary of his death, this series presents each Overlook Wodehouse as the finest edition of the master’s work ever published—beautifully designed and faithful to the original. This season, Overlook is pleased to offer the latest two hilarious volumes. Louder and Funnier is a collection of articles written for Vanity Fair, with subjects ranging from Shakespeare and divorce to income tax and ocean liners. The Prince and Betty is an engrossing, hilarious story of an unscrupulous millionaire and his plans to build a casino in the Mediterranean. Revised by Wodehouse after the initial publication, it features the master’s signature reflections on the rich in one of his classic novels.