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.

    High Dynamic Range photography is the process of taking several pictures of a scene at various exposures, then merging them into one file. So the entire photo can look crisp and detailed, from highlights to midtones to shadows—and photographers needn’t sacrifice any part of their image. And the best way to master this exciting technology is with this thorough, easy-to-follow, and visually spectacular guide. No other title does justice to these cutting-edge techniques, which actually take the viewer into worlds far beyond normal photography—sometimes even beyond normal human perception. Ferrell McCollough, a widely respected photographer, pushes the boundaries and inspires others to pursue their artistic vision, too. The amazing results simply can’t be achieved any other way.

    In the world of Facebook, Twitter, and beyond, that recommendation can travel farther and faster than ever before."Likeable Social Media" helps you harness the power of word-of-mouth marketing to transform your business. Listen to your customers and prospects. Deliver value, excitement, and surprise. And most important, learn how to truly engage your customers and help them spread the word.Praise for "Likeable Social Media"Dave Kerpen's insights and clear, how-to instructions on building brand popularity by truly engaging with customers on Facebook, Twitter, and the many other social media platforms are nothing short of brilliant. Jim McCann, founder of 1-800-FLOWERS.COM and Celebrations.comAlas, common sense is not so common. Dave takes you on a (sadly, much needed) guided tour of how to be human in a digital world. Seth Godin, author of "Poke the Box""Likeable Social Media" cuts through the marketing jargon and technical detail to give you what you really need to make sense of this rapidly changing world of digital marketing and communications. Being human -- being likeable -- will get you far. Scott Monty, Global Digital Communications, Ford Motor CompanyDave gives you what you need: Practical, specific how-to advice to get people talking about you. Andy Sernovitz, author of "Word of Mouth Marketing: How Smart Companies Get People Talking"

    You’ve seen the dewdrops, but what about dewdrops on a bird’s wing or raindrops on a car windshield? You’ve seen the bumblebees on vibrant flowers, but what about the fluid edge of just one petal or the colorful rusting metal at industrial sites? Even when Peterson does capture the more traditional subjects, it's done in untraditional ways–and often with minimal specialized equipment! Most important, he moves beyond the commonplace to inspire new ways of getting close, using your lenses, and discovering unconventional subjects.

    24 hours later more than R160 billion rand of this fortune was wiped out. The Steinhoff Empire, that took 20 years to build into an international business giant, had crumbled overnight. Markus Jooste, Steinhoff’s flashy CEO, resigned via SMS and has since been fleeing an avalanche of scandals and accusations: luxury homes for a blonde mistress, allegations of fraud, racing horses and unparalleled extravagance, a lavish, black Jaguar for an old university residence… What exactly happened here? Who knew what? What is Steinhoff, who is Markus Jooste and what does it all have to do with the so called Stellenbosch mafia? Where does business tycoon Christo Wiese, Shoprite and Pepkor fit in and where is the pensioners’ money? Well-known financial writer James-Brent Styan unpacks these and other questions in this astounding tale of power and greed, of secrets and deceit, and ultimately the biggest financial breakdown in the history of South Africa. Through interviews with trustworthy sources, revelations from confidential documents and in-depth research about Steinhoff’s history, Styan uncovers what the group doesn’t want you to know. Follow the Money: The story of Steinhoff, Markus Jooste and the Stellenbosch Boys is a gripping financial thriller that will be told as cautionary tale or salacious scandal in both boardrooms and living rooms for decades to come.

    Challenged in school and growing up in a struggling family, Halle looked like every other kid who would leave high school in the 1940s and disappear into a factory.Instead, Halle created one of America’s most respected companies, rose to join the Forbes magazine list of the four hundred richest Americans and serve as the role model for the ordinary Joes who seek out success at Discount Tire Company.Six Tires, No Plan maps Halle’s journey out of poverty and failure and reveals the deceptively simple values that drive success for him, his company and thousands of employees. Key among those principles is Halle’s commitment to passing on his good fortune to the thousands of employees who serve his customers every day. This is Halle’s true passion, and paying it forward to the ordinary guy is a cornerstone of Discount Tire’s ongoing success.Avoiding the spotlight, crediting his employees for the success of the company, Halle demonstrates the incredible power of perseverance and fundamental values to create long-term success. His journey offers a roadmap worth following in both career and life.

    The cost of these "deals gone bad" total millions of dollars in losses, years of unproductive activity and incalculable emotional stress. However, you’ll obtain the enormous benefits of the powerful and profitable learning lessons from these 21 mishaps without the costs! You’re about to gather lifelong, extremely valuable real estate investment and house flipping wisdom that has taken others a lifetime and a fortune to learn. This book is a must read for anyone planning to be or is already a real estate investor because you'll find out what NOT to do in real estate.

    

    The goal of this book, is to cover music production from many different angles in a way that will change your thinking on the subject and build your confidence. Music making is a very mental and psychological game, and more often than not, all the technical stuff can hold you back from achieving your goals if you don't have the right creative habits in place first. With all the information available with a simple Google search, I wanted to really get to the heart of things that aren't being discussed nearly enough. I want to clear out all the garbage you may have been told and replace it with the essentials you can put to immediate use. Many people new to music may dive into forums and mindlessly watch video tutorials attempting to gather more and more information until they think they have enough to get going (hint: you never feel like you know enough). That would be like reading a whole encyclopedia and then being asked to recall only the important things that will get you from point A to point B. Even worse, much of the information you get will contradict the last thing you read. It's like finding a needle in a haystack only to be told it's the wrong needle. There is a much better approach. It's an approach that doesn't require you to know a lot to get started. You only need to know enough to get to the next step in your process. There is truly nothing stopping you from becoming a music producer. The ones who are successful now are the ones who started from nothing and chipped away at it until they found a way to express their unique voice. There are no gatekeepers making decisions on who is worthy and who isn't. The determining factor is you, your habits and your confidence in yourself. This book can be read from start to finish, or as a “choose your own adventure”, going directly to what you think can help you most right now. Don't get caught up thinking you have to devour everything before getting started. That isn't necessary, and isn't the point of the book. The core concepts in the book will come up time & time again which should help you retain them & be able to recall them when the need arrives. By exploring these concepts from several angles you should gain a broad view of their many uses. My hope is that this book is used as a toolbox. You simply find the right tool that moves you forward and get back to work. So few people, who have more than enough information in their heads, ever start. Of those who do start, even fewer finish what they started and are satisfied with the results. I want you to be in that small group of finishers. Let's get started.

    So much so, in fact, that the 12-month design cycles cited in the last edition have shrunk to 6 or even 3 months today. Which is why, more than ever, you need a smart, practical guide that demonstrates how to plan, budget, organize, and manage your Web redesign - or even you initial design - projects from conceptualization to launch. This volume delivers! In these pages Web designer extraordinaire Kelly Goto and coauthor Emily Cotler have distilled their real-world experience into a sound approach to Web redesign workflow that is as much about business priorities as it is about good design. By focusing on where these priorities intersect, Kelly and Emily get straight to the heart of the matter. Each chapter includes a case study that illustrates a key step in the process, and you'll find a plethora of forms, checklists, and worksheets that help you put knowledge into action.This is an AIGA Design Press book published under Peachpit's New Riders imprint in partnership with AIGA.

    In addition, you'll gain access to over 100 (and growing!) FREE social media video tutorials.

    

    1 CD

    Maybe you are fuzzy on the details, but you know you want something different. You want to make your own rules for a change, but you aren't quite sure how to start - much less how to pay for it.What you need is An Action Plan for Dreamers.Betsy and Warren felt the same back in 2008, and they spent 2 years sculpting their conventional reality into one of world travel - a life they are still enjoying to this day.This second edition contains 390 pages of step-by-step, practical advice and case studies for dreamers just like you to help you reach your wildest dreams.What are you waiting for? Life is short; live your dream.

    Beginners and intermediate developers will appreciate the comprehensive tutorial that walks step-by-step through building a real client/server database, from concept to deployment and beyond -- and points out key pitfalls to avoid throughout the process. Experienced users will appreciate the book's comprehensive coverage of the Transact-SQL language, from basic to advanced level; detailed ODBC database access information; expert coverage of concurrency control, and more. The book includes thorough, up-to-the-minute guidance on building multi-tier applications; SQL Server performance tuning; and other crucial issues for advanced developers. For all database developers, system administrators, and Web application developers who interact with databases in Microsoft-centric environments.