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 how much time he spends outside, it's never enough. Whether being thrashed by drill instructors at Parris Island or drenched by a squall in some high tundra, the same calming thought always prevailed: It’s good to be outside."Home is Forward" is much more than a collection of travel stories. As a prequel to "Where's the Next Shelter?" it answers the question of how someone can go from having a (somewhat) normal life to casting it all aside and wanting to go live in the woods. Hilarious, poetic and often thoughtful, "Home is Forward" is also a story about people. From ancient ruins to frozen volcanos, lessons are learned, friendships are forged, and on top of it all, love blooms. So if you yearn to visit far off lands, or simply love a well spun tale, you’re in the right place.

    In fact, studies show that more people start businesses during recessions than at any other time. The good news is that it can be done, provided you follow a few golden rules. Based on Rachel Bridge's popular workshops, this book will help set you on the way to success. As the former Enterprise Editor for the Sunday Times, Rachel has interviewed hundreds of successful entrepreneurs. Join her on her journey as she starts up her very own enterprise, entrepreneurthings.com, and covers all the ups and downs she encounters, while giving examples along the way of how real-life entrepreneurs have coped with the same problems that beset everyone in business at some point.

    A crime destined to become the most notorious and obsessive cold case in Cincinnati history. On that long ago day in September on the cusp of autumn, we were horrified by the blaring Bricca murder headlines. Jerry, his pretty wife Linda, and their young daughter Debbie were found stabbed to death in their home in the city’s Bridgetown neighborhood. Striking between the 4th and 5th slayings of the Cincinnati Strangler in 1966, the Bricca killer plunged a city already on edge into an abyss.A half century later, the Bricca mystery lingers in cobwebs and survives on whispers. Enter Cincinnati crime writer, J.T. Townsend, author of local best-seller Queen City Gothic. J.T. was given unprecedented access to the case file, laden with information that never saw the light of print before–evidence that might illuminate the relentless rumors that police “screwed up the crime scene” or “covered up for the suspect.” 50 years later, True Crime Detective J.T. Townsend answers “Who dun it?” and renders a final verdict.

    This book discuses various major types of financial institutions and financial instruments present along with how and why the system of money and capital markets is changing. It also provides a descriptive explanation of how interest rates and security values are determined.

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.

    For good. Quitting sugar in the real world is hard. Sugar is everywhere and your friends think you’re mad for not eating cake. You’ve done the 8 week detox plan and part of you still craves chocolate so much that you develop a mild twitch when you see a brightly coloured wrapper on the shelves in front of you. Deeply addictive, sugar is everywhere. Even added to the most unlikely foods, the majority of us exceed the recommended daily intake without even realising it. Instead of teaching you how to cook fake cake, or pretending that quinoa really is an exciting grain that will revolutionise your view on salads, this book guides you through the myths about sugar in our food and through the realities of addiction. The 9 step action plan then helps you make the change and really stick to it. Even if you’re not quite ready to eliminate all sugar from your life, this book contains practical tips to help you shop wisely, create good habits and sustain better lifestyle choices.

    Maybe you’ve always dreamt of doing your own thing and earning money under your own terms but are too scared to take the leap. Or perhaps you feel trapped in a job that pays the bills but just doesn’t do it for you. You’re not alone. Our relationship with money is linear; we’re taught more is better, but that’s about it! We rarely question what financial success and freedom mean for us personally or educate ourselves on how to be smart with our money and earn it in the way that we want. Starting with the most important question ‘what does a plentiful and financially successful life mean to YOU?’, this book will educate and empower the reader with practical activities and digestible advice on the topics of Understanding, Earning, Making, Investing and Spending your money. From getting on the property ladder, negotiating your way through a career pivot, to getting a pay rise, making an investment or starting the business you’ve always dreamed about, this book is a blueprint for financial freedom. "

    It is the quality of these, whatever the size of the organisation, which make the difference between organisations which thrive, and those which stagnate.This is not to argue for soft, easy and comfortable options. Instead it considers how top leaders manage to walk the line between the impossible and the possible, between the undoable and the doable, and to create conditions for productive work which transcend the difficulties which come towards us every day. Instead of dodging them, they embrace them. And by navigating high challenge, low threat, they show how others how to do the same.

    Google's AdWords platform enables you to create pay-per-click advertisements that appear as 'sponsored links' when someone searches for content related to your product or service. You bid for the position to place your ad, and you only pay when someone clicks. It's that simple. If used correctly, AdWords can garner higher targeted traffic, which in turn will increase your conversion rates and profits. So, AdWords will definitely help your business, but you have no idea how to utilize them. What should you do? Take a couple of hours to read this book. Google AdWords for Beginners is designed to teach you the fundamentals of AdWords, how it works, why it works, and the proven techniques that you can use to make it work for you and your business. Additionally, this book details an eight-step blueprint that has consistently delivered positive results for companies. Upon completion, you'll be armed with the knowledge to launch profitable campaigns or drastically improve an existing one.

     In this enormously entertaining first novel, a lovable, stressed-out guy nicknamed Mumbles tells the story of how he and his cohorts not only struggle to survive corporate purgatory, but also find satisfying ways to strike back at the system. Fueled by a constant flow of Starbucks coffee, Mumbles and his friends take on such tasks as secretly filming a despised colleague's boardroom romp with an assistant, creating footage they plan to broadcast at the company's holiday party. But true gratification comes only when they actually start standing up to the bank's evil minions, those who have no qualms about piling on a weekend's worth of work on a Friday afternoon. With sharp comedy, episodes of inspired hijinks, and its glimpse into a world of fleeting elevator romances and not-so-infrequent nervous breakdowns, Bank is a touching and lively novel that is, at its heart, about figuring out what really matters in life.

    It features new revelations about high-profile, unsolved hits and the intricate relationships between known criminals and police officers at all levels. It delves into the current power struggle between opposing factions in Cape Town's security industry and the suspected involvement of state operatives in the bloody standoff.Wiener has gained exclusive access to and on-the-record interviews with key underworld characters and police generals accused of colluding with criminals. These have helped her track the parallel narrative of the capture of law-enforcement agencies and unravel how players with inexplicable political backing have been able to pillage secret slush funds and abuse organs of state for their own benefit.Against this backdrop, prominent underworld figures - Radovan Krejcir key among them - have been able to thrive, setting up elaborate networks with the assistance of police. While crime is flourishing, the top echelons of the police and prosecution have been at war with themselves.The proximity of politics, law enforcement and organised crime over the past decade is frighteningly intertwined. The story of the rise and reign of the Ministry of Crime winds its way from the depths of the underworld, via multiple mysterious unsolved murders, to senior politicians and the very top ranks of the country's police force.

    While Brexit and the unpopularity of opposition leader Jeremy Corbyn are factors, there is a more nuanced story explored in Broken Heartlands of how these northern communities have fared through generational shifts, struggling public services, deindustrialisation, and the changing nature of work. Featuring interviews with people from the red wall and the viewpoints of major political figures from both parties, Payne explores the role these social and economic forces, decades in the making, have played in upheaving the political landscape.