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.

    For the updated edition, Marcus has written a new preface, two new chapters, and an epilogue, detailing the development and implications of Ethiopia as a Federal state and the war with Eritrea.

    groundbreaking... clear, straightforward, and economical.... seminal... " --American Anthropologist"This is a challenging book... a remarkable contribution to African intellectual history." --International Journal of African Historical Studies"Mudimbe's description of the struggles over Africa's self-invention are vivid and rewarding. From Blyden to Sartre, Temples to Senghor, Mudimbe provides a bold and versatile resume of Africa's literary inventors." --Village Voice Literary Supplement..". a landmark achievement in African studies." --Journal of Religion in AfricaIn this unique and provocative book, Zairean philosopher and writer V. Y. Mudimbe addresses the multiple scholarly discourses that exist--African and non-African--concerning the meaning of Africa and being African.

    Africans have just as many frustrations relating to the Westerners in their midst. Each uses and manages money and other resources in very different ways, and these differences create many misunderstandings and frictions. The author deals with everyday life in Africa. He first introduces the very different goals of African and Western economic systems and then presents ninety observations of African behaviors related to money matters. Explanatory comments are given that show how each one works out in real life. He illustrates his and others' experiences with anecdotes from across the continent. Drawings by two African artists add further clarity to the text as they capture Africans and Westerners in authentic situations. The result is that the reader is able to make sense of customs that at first seem incomprehensible. This book will be of interest to Westerners living, working, or traveling in sub-Saharan Africa: business, government, diplomatic, and NGO personnel, religious workers, journalists, development sociologists, and tourists. The audience also includes professors and students in African studies. Africans will also be interested for what it reveals about Western culture and many of the significant ways Westerners react to Africa. David Maranz, Ph.D., has lived and worked with SIL International in Cameroon, Senegal, and several other countries in Africa since 1975. He has worked in community development, anthropology, administration, and as an international anthropology consultant. He has a Ph.D. in International Development. His earlier book, Peace is everything, examines the worldview and religious context of the people in the Senegambia region of West Africa.

    The warning signs are clear, and the collapse of the Zimbabwean dollar in 2009 after years of rampant money printing is a frightening example of what lies in store for the world's economies if painful, but necessary, reform is not enacted soon. When Money Destroys Nations tells the gripping story of the disintegration of the once-thriving Zimbabwean economy and how ordinary people survived in turbulent circumstances. Analysing this case within a global context, Philip Haslam and Russell Lamberti investigate the causes of hyperinflation and draw ominous parallels between Zimbabwe and the world's developed economies. The looming currency crises and possible hyperinflation in these major economies, particularly the United States, have the potential to turn the current world order upside down. Zimbabwe's lessons must not be ignored. This is the story of When Money Destroys Nations.

    But in this major new work, Bancroft Prize-winning scholar Odd Arne Westad argues that the Cold War must be understood as a global ideological confrontation, with early roots in the Industrial Revolution and ongoing repercussions around the world.In The Cold War, Westad offers a new perspective on a century when great power rivalry and ideological battle transformed every corner of our globe. From Soweto to Hollywood, Hanoi, and Hamburg, young men and women felt they were fighting for the future of the world. The Cold War may have begun on the perimeters of Europe, but it had its deepest reverberations in Asia, Africa, and the Middle East, where nearly every community had to choose sides. And these choices continue to define economies and regimes across the world.Today, many regions are plagued with environmental threats, social divides, and ethnic conflicts that stem from this era. Its ideologies influence China, Russia, and the United States; Iraq and Afghanistan have been destroyed by the faith in purely military solutions that emerged from the Cold War.Stunning in its breadth and revelatory in its perspective, this book expands our understanding of the Cold War both geographically and chronologically, and offers an engaging new history of how today’s world was created.

    Who was the first king of ancient Egypt, and who was the last? Which Egyptian queens ruled in their own right? What in fact do we know about the 170 or more pharoahs whose names have down to us?

    de Waal pleads for readers... to probe for a deeper understanding of the 'political roots of famine'... " --WorldView..". a well-documented critique that should give pause for serious reflection and serve to instruct both the initiate and the master of famine theory... " --Sociocultural AnthropologyFamine Crimes is a factually rich, powerfully intelligent, morally important analysis of the persistence of famine in Africa. Alex de Waal lays the blame for Africa's problems with starvation on the political failings of African governments, western donors, and the misguided policies of international relief agencies.

    Freidberg explores what the 'freshness revolution' was all about, and how our obsession with freshness changed how we think about food.

    

    Howard Farran shows that running a business isn’t all that complicated—if, you’re focusing on the right three areas: •People: maximizing the potential of employees, customers, and yourself.•Time: mastering the efficiency that helps a business turn the biggest profit possible.•Money: learning to love the numbers that function as the business’s scorecard.With simplicity, good humor, and plenty of stories Dr. Farran reveals the actions that can lead anyone to bigger profits, happier people, and a more fulfilling life.

    Auditing is perhaps our single best defense in ensuring the integrity of our financial reporting system. That's why this new Eighth Edition of Boynton and Johnson's Modern Auditing focuses on decision making and the critical role auditors play in providing assurance about the integrity of the financial reporting system. Known for its clear writing and accessibility, this text provides comprehensive and integrated coverage of current developments in the environment, standards, and methodology of auditing. Features * Real-world examples relate issues discussed in the chapter to ethics, audit decision making, and the integrity of the financial reporting system. * Focus on Audit Decisions sections highlight key factors that influence an auditor's decisions. * Includes discussion of the role of the Public Company Accounting Oversight Board (PCAOB) Auditing Standards, and a chapter feature highlights PCAOB standards that differ from Generally Accepted Auditing Standards for private companies. * Expanded case material related to the integrated audit case (Mt. Hood Furniture) provides a variety of databases that allow students to utilize generalized audit software (IDEA) to accomplish various audit tasks. Multiple databases allow the case to be reused with different data from term to term. * A flowchart style chapter preview begins each chapter. * Chapter summaries reinforce important audit decisions included in the chapter. * End-of-chapter material organized by audit decisions provides a clear link between audit decisions discussed in each chapter and the problem material.

    An attempt to formulate common laws that apply to virtually every scientific field, this conceptual approach has had a profound impact on such widely diverse disciplines as biology, economics, psychology, and demography.

    She's a romance writer. When they are thrown together at a cottage on the beach, will love bloom or sparks fly? Justin Miller is one of the producers and host of the reality dating show Who Wants To Marry a Cowboy, but he's tired of helping others find love. He's tired of love in general. Why can't it just be a little business arrangement, like everything else in his life? His business partner sends him on a little vacation to clear his head, and cheer him up. It was just supposed to be a week at a cottage on the beach. Until he meets Ava.Romance writer Ava McDermott believes in love even though she has yet to find the one for her. However, after struggling with her current book, she decides to take a few days off and recharge at a cottage by the sea. She expected some time alone, but when a strange man shows up, she finds herself in a romance of her own.Justin and Ava must decide if it's time to create their own fairy tale ending, even if it's not real. A fictional relationship for two people who are ready to escape reality sounds like the perfect plan, until it isn't. Real feelings can get hurt, even when you're fake dating someone. Image isn't everything, and Ava and Justin have to choose. Is love real, or make believe? A new inspirational Christian romance by Amazon best selling author Lorana Hoopes, this story focuses on second chances and trusting God to bring the right people into your life at the right time. Though titled the sixth book in the series, this is Lorana's third book in the Blushing Brides series and follows The Cowboy's Reality Bride and The Reality Bride's Baby. Book includes a free bonus short story. Details inside. Book also includes discussion questions for book groups. Follow the journey by clicking the button above.

    The recession, however, is just the tip of iceberg. We have deeper problems. Most importantly, the rate of innovation is down. Patents, which were designed to promote the progress of science and the useful arts, have instead become weapons in a war for competitive advantage with innovation as collateral damage. College,once a foundation for innovation, has been oversold. We have more students in college than ever before, for example, but fewer science majors. Regulations, passed with the best of intentions, have spread like kudzu and now impede progress to everyone's detriment. "Launching the Innovation Renaissance" is a fast-paced look at how we can accelerate innovation and build a solid 21st-century economy.*****"This is a great book. It’s fast-paced, fun to read, informative as hell, and it gets everything right. It’s the kind of book that made me wish I’d written it — until I realized that I could never have written it half so well. I wish everyone in the world would read this book. It only takes a couple of hours, and it is by far the best introduction I know of to the topic that towers above all others in its importance for the happiness of human beings everywhere, now and in the future, namely how to foster and accelerate the kinds of innovation that lead to economic growth. It will, I hope and expect, make you an enlightened advocate for enlightened policies. And it will arm you with a bundle of fun facts and anecdotes to share with your friends. This book might turn you into a proselytizer, but it will surely not turn you into a bore."Steven Landsburg, author of 'The Armchair Economist,' 'More Sex is Safe Sex,' 'The Big Questions' and regular contributor to Slate, Forbes, The Wall Street Journal. If you're interested in innovation like I am, you need to read 'Launching the Innovation Renaissance.' Alex poses thought experiments from patents to prizes, from health to education to immigration. He skewers Soviet-style employment bargains and offers insightful alternatives to improve our educational system. Alex is occasionally snarky, often witty, always incisive. Read this on your next flight. "- Tom Vander Ark, CEO of Open Education Solutions. Previously he served as president of the X PRIZE Foundation and was the Executive Director of Education for the Bill & Melinda Gates Foundation. "Progress comes from improvements in both our technologies and our rules. Alex Tabarrok makes a compelling case that in the United States, our rules on patents, education, and immigration are holding us back. If you want to think clearly about policies that matter for growth, turn off the TV, stop surfing the web, and read this book!" - Paul Romer, New York University Stern School of Business."Alex Tabarrok reveals the hidden roadblocks to innovation in the American economy, and shows us persuasively -- and concisely -- how to fix them. Launching the Innovation Renaissance should be read by everyone interested in innovation and America's future."- Michael Heller, professor at Columbia Law School and author of 'The Gridlock Economy.'