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.

    Now, James Scurlock engages, educates, and entertains readers with the captivating story of DHL co-founder and billionaire Larry Hillblom.King Larry begins with an early biography of Larry Lee Hillblom, a mercurial young man who grew up on a peach farm outside of Fresno, California. Hillblom co-founded DHL in 1969 (three years before FedEx), and it became the fastest-growing corporation in history. Hillblom’s expatriate life began in 1981, when he retreated to a small tax haven in the Western Pacific. There he led the resistance to American meddling in the Marianas Islands. Hillblom’s voracious appetite for underage prostitutes is another facet of his unusual story. In 1995, Hillblom’s amoral, thrill-seeking nature caught up to him when his seaplane disappeared off the coast of Anatahan, leaving behind an estate worth billions. Weeks later, five impoverished women and their attorneys came forward to challenge Hillblom’s will in a legal battle for his fortunes that continues to this day. Meticulously researched and thoroughly engaging, King Larry will satisfy fans of such bestsellers as Confessions of an Economic Hit Man and The Accidental Billionaires .

    For over a decade,the authors have studied the world’s successful traders. Based on their learnings, they started practicing it and are now part of the 5%. Trade and Grow Rich teaches not just concepts but also methods with the help of anecdotes. This book has to be read one chapter at a time, rather than just being a one-time read. If you want to enjoy an adventurous journey to become a successful trader, then this is the book you are looking for!

    Covering such topics as: Whether you should be a limited company or self employed? What part of business finances do you really need to understand and which parts can you ignore. Whether you become VAT registered. When your tax is due and how much it will be. Setting up bank accounts. Getting paid by your customers. Managing your cash flow. Getting your pricing right. Russell Smith has worked with over 400 clients all across the UK and is a national expert on small business tax and accounts. His clients include doctors, dentists, psychologists, web-designers, musicians, marketing agencies, IT contractors, artists, graphic designers and many more. Russell Smith is the only chartered accountant in the world to blog every day - you can find it at www.rsaccountancy.co.uk/daily-blog. Russell also has a YouTube channel where he releases weekly 2 minute finance basics: www.youtube.com/RussellSmithtips. There is also a free tax, accounts and profit review with customised action plan worth £200 for readers of this book.

    Peale shows readers how to use the something extra that is within each of them in order to accomplish the impossible and achieve their true desires.

    It’s also one of the most misunderstood. Fred Joyal, the expert in dental consumer marketing, reveals how every single thing you say and do in your practice communicates a message to your patients. Everything is Marketing takes you step by step through your business, showing how little changes can have a big impact. Want to attract new patients? Convert more calls into appointments? Increase your case acceptance? Marketing can make it happen. The first step is learning to recognize that you have the power to transform your patients’ health, happiness and quality of life, then infusing that belief into everything—including your office, your team, your advertising and your chairside conversations. Drawing from over two decades of industry experience, Fred shares insight on topics like: • Why dentistry’s unique business model is such a huge advantage • How to create an unexpected and unforgettable patient experience • Why patients leave your practice—and how you can keep them for life • Proven ways to boost patient loyalty and word of mouth • Secrets to building a strong (and happy) team that your patients will fall in love with Fred’s approach to marketing is practical, straightforward and easy to put into action today. It’s an unbeatable strategy for capturing the hearts and minds of patients and experiencing explosive practice growth.

    Thanks to the integrity of its product line, consistently strong brand association, and the ability to change with customers needs, L.L.Bean embodies the best qualities long associated with traditional American living: rugged individualism, stubborn determination, and simple ingenuity. Written by Leon Gorman, grandson of founder L.L., this is the first authoritative, true-to-life account of the iconic retailer and its quirky history and culture. This engaging account candidly reveals Gormans behind-the-scenes struggles to preserve the identity that built Bean as he also opened the door to needed change. Woven throughout the narrative are themes that will resonate with managers and general readers alike: how to shape a powerhouse brand around bedrock beliefs and values, how to balance growth and tradition, and how to craft and preserve an authentic corporate identity.Far from a tranquil journey, the story reveals the funny, poignant, and often engrossing details of managing the L.L.Bean legacyduring the best and worst of times.

    The eighteen-year New Jersey Senator, financial and investment adviser, Olympic and NBA athlete, national radio host, and bestselling author has lived in the United States as both political insider and outsider, national sports celebrity and behind-the-scenes confidante, leader and teammate. His varied experiences help to inform his unique and much-sought-after point of view on Washington and the country at large.   In We Can All Do Better, for the first time since the financial meltdown and since the worst of the intensifying political gridlock, Bradley offers his own concise, powerful, and highly personal review of the state of the nation. Bradley argues that government is not the problem. He criticizes the role of money and politics, explains how continuing on our existing foreign policy, electoral, and economic paths will mean a diminished future, and lays out exactly what needs to be done to reverse course.   Breaking from the intransigent long-held viewpoints of both political parties, and with careful attention to our nation’s history, Bradley passionately lays out his narrative. He offers a no-holds-barred prescription on subjects including job creation, deficit reduction, education, and immigration. While equally critical of the approaches of the Tea Party and Occupy Movements, he champions the power of individual Americans to organize, speak out, bridge divisions, and he calls on the media to assume a more responsible role in our national life. As this moving call to arms reminds us, we can all—elected officials, private citizens, presidents—do a better job of moving our country forward. Bradley is perhaps the best guide imaginable, with his firsthand knowledge of governments’ inner-workings, the country’s diversity, and the untapped potential of the American people.

    The author shows how each manager must be a human resource problem solver. The tenth edition emphasises the most relevant and up-to-date practices.

    Now he shows managers how to use the Principle to achieve exceptional results at work - without stress or long hours.

    

    1 CD

    It is one of the most insidious, most damaging, and yet most ubiquitous of corporate activities. We all hate it. And yet nobody does anything about it. Until now... Straight-talking Sam Culbert, management guru and UCLA professor, minces no words as he puts managers on notice that -- with the performance review as their weapon of choice -- they have built a corporate culture based on intimidation and fear. Teaming up with Wall Street Journal Senior Editor Lawrence Rout, he shows us why performance reviews are bogus and how they undermine both creativity and productivity. And he puts a good deal of the blame squarely on human resources professionals, who perpetuate the very practice that they should be trying to eliminate. But Culbert does more than merely tear down. He also offers a substitute -- the performance preview -- that will actually accomplish the tasks that performance reviews were supposed to, but never will: holding people accountable for their actions and their results, and giving managers and their employees the kind of feedback they need for improving their skills and to give the company more of what it needs. With passion, humor, and a rare insight into what motivates all of us to do our best, Culbert offers all of us a chance to be better managers, better employees and, indeed, better people. Culbert has long said his goal is to make the world of work fit for human consumption. "Get Rid of the Performance Review!" shows us how to do just that.

    We all know about Post-It notes and to-do lists—and now, with this handy guide you can take productivity to the next level! Learn to use technology to your advantage, schedule your time wisely, and organize your materials for maximum efficiency. Some of Productivity Hacks’s easy-to-implement tips include utilizing “do not disturb” features on your phone and computer to avoid distractions, scheduling a specific time to check your email instead of shifting focus again and again, and creating templates for your most-used email responses so you don’t need to do the same work twice—and many more! From accomplishing more in the workplace to maintaining a healthy work-life balance, these tips will help hone your focus and time management skills in simple, manageable steps. You’ll be amazed how much more you can achieve over the course of a day!

    Join the pioneering creator of NVC for more than nine hours of in-depth instruction that includes:Nine immersive CDs that teach you how to use NVC to discuss difficult emotions, deepen intimate relationships, mediate impossible conflicts, and much moreWorkbook with more than 50 exercises to strengthen your ability to successfully apply NVC in the fieldSeven Nonviolent Communication training cards you can use on the spot to express yourself and listen to othersCourse objectives: Identify the four steps of the Nonviolent Communication processEmploy the four-step Nonviolent Communication process in every dialogue you engage inUtilize empathy to safely confront anger, fear, and other powerful emotionsDiscover how to overcome the blocks to compassion, and open to our natural desire to enrich the lives of those around us