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.

    Kidd shares his journey after graduating with his MBA and landing his dream job at Credit Suisse. But getting the job is just half the battle and after an intensive training period in Zurich and New York he's left to fend for himself - one man and his student loans against a two-year ticking clock to bring in forty million dollars or get fired. How he strives to make those essential connections and eventually bring in far more than forty million....and what happens to those that can't make the cut, proves mind blowing. Because it's all about the schmooze. Infused with hilarious references to the "Wall Street" films, indie rock music, and a devil may care attitude, this is not your father's Wall Street tell-all.

    Prayer is the determining factor for maximum spiritual impact. The more we pray the more God works. Of all the skills needed by the difference-making spiritual leader, none is more important than prayer.Tracing the lives of high-impact Christian leaders from Abraham to Billy Graham, Dave Earley reveals the central role that prayer played in their effectiveness. In doing so, he points out the eight practices Christian leaders can apply to become more effective in their prayer lives, and therefore, more spiritually influential as a leader.While prayer is not the only weapon in the Christian leader's arsenal, it is one of the most powerful and often under-utilized. This book will inspire, transform, stretch, enhance, strengthen, and renew the prayer lives of readers.Prayer: The Timeless Secret of High-Impact Leaders is filled with juicy quotes and anecdotes; it gives dozens of practical applications of the principles discussed.

    The first female CEO of one of Australia's big four banks, listed by Forbes in 2010 as the 8th most powerful woman in the world, and mother of four (including triplets), Gail is celebrated as one of our finest, most innovative thinkers on leadership and workplace culture.In these personal, practical chapters, Gail Kelly shares what she's learned over her remarkable career, drawing from her personal and professional life. As a leader, she argues passionately for the importance of putting people and customers at the heart of a business; of leading with courage and generosity of spirit; and of resilience. Some of those lessons were learnt at times of high pressure, and Gail takes us into her thinking as she led Westpac through the global financial crisis and the merger with St. George.But Gail's voice speaks to each of us, whatever our role in life. She explores the absolute importance of loving what you do; learning to learn; backing yourself; and most importantly, placing your family above all things.At the heart of Gail's refreshing, authentic, integrated approach is how both individuals and companies thrive when they openly address the meaning of what they do, and understand the need to live a whole life. Live, Lead, Learn is the inspiring story of one of the world's most prominent business people, who started as a Latin teacher and became mother of four and CEO of Westpac - and everything she has learned along the way.

    But when he got what he wanted, he soon discovered he didn't want what he got! Kenneth E. Hagin has often dealt with the issue of

    Advice & inspiration from the world's most successful women's soccer coach

    Popular author Rabbi Daniel Lapin digs into the "holy" Hebrew language -- which not only conveys data but, as linguists know, also contains it. On a fascinating treasure hunt, his book decodes eternal wisdom embedded in the ancient tongue on relationships, human pleasure, life's meaning, and more. With real-life anecdotes, drawn from his lifetime in the rabbinate, the author uncovers a wealth of insights intended for our enrichment and enjoyment. A practical, easy read which will fascinate, entertain, and instruct us in the awesomeness of the Lord's language.

    If you have ever asked yourself why you do what you do, or wondered what your purpose is in leadership or in life, this book is for you. As the lives of a coach, a CEO, and a janitor intersect in this captivating parable you will journey deep into the heart of leadership where the answers to many of life's most important questions can be found.Whether you're leading in business, sports, or in your own family, this inspiring story will show you how to take the first - and most important - step in becoming the leader you were meant to be. Lead for God's Sake truly is much more than a simple statement. It's a calling!"Seldom have I found this kind of practical wisdom presented in such a delightful, engaging and compelling narrative. As a business leader, I found its "takeaways" right on targettouching life where the rubber meets the road. I wasn't able to put it down. It's that good!"John D. Beckett,

    Many people have passion and a burning desire to achieve something more but need direction and assistance focusing their energy. In this book, I have outlined six key points on the path to experience the life of an entrepreneur. These points will become your personal “compass” and will help you point the way to setting a vision that is uniquely yours as you pursue your dreams. You will also get a glimpse into the lives of several very successful entrepreneurs along the way. The key points are: 1. The Truth – Accepting Reality 2. Vision – Looking Forward 3. Commitment – Staying with Your Vision 4. Resiliency – Recovering from Setbacks 5. Validation – Experiencing Confirmation 6. Drifting or Driving – The Challenge! My hope is that this book motivates you to action and you personally discover the satisfaction of the life of an entrepreneur.

    God created light by calling for "light" when only darkness was there. Jesus used this same method, calling the lepers clean, and the dead to life, and peace to the storm. You must call for what you desire. If you want your dog to come, you call the dog, not the cat. You call for what is not there. Whatever you call in the natural will come. Call what does not exist and continue to call until it manifests.

    Price reveals from the Scriptures what faith actually is and the spiritual laws that cause faith to work in your life. These principles, when applied on a daily basis, will allow God to work supernaturally to bring the answers you need.

    To achieve consistent success, the Spurs have built an organization with a team-first mindset where all of the players, staff and management are focused on the same goals. How do they do it? How does head coach Gregg Popovich create strong relationships with his players? How did he get his team to bounce back from a devastating loss in the 2013 NBA Finals to come back one year later and to win it all? How does he create a team culture where players from around the world are able to work together towards a common goal? In this brief leadership case study, we analyze the methods and ideas that Gregg Popovich uses to get his team performing at a high level. By reading how a 3x NBA Coach of the Year manages his team, you’ll learn the following lessons: - How to create solid, trustworthy relationships with your players and staff. - How to exploit advantages and untapped resources before your competition - Why it’s essential to build a strong foundation and not skip any steps in your development. - What are the specific steps to focus on in order to persevere and bounce back from setback. Although Gregg Popovich is an expert at coaching basketball, this case study isn’t focused on his playbook. Rather, it highlights the strategy, culture, and organizational development style of the San Antonio Spurs. Basketball coaches will find it useful for developing their squads, but other team coaches, managers, and leaders in all industries will find the lessons useful as well. The lessons can be applied to any business or organization looking to create a strong team culture and achieve continuing success.

    Many leadership books can be boring. Instead of reading another repetitive book about 100 leadership essentials by a corporate CEO, search no more for the perfect leadership book. In "The Diary of a West Point Cadet," by Captain Preston Pysh, the author teaches essential West Point leadership through the most fun and unique reading of any book in its class. If you are an aspiring cadet, a small-group leader, or even an emerging leader in corporate America, this book is for you. Each intriguing firsthand account of Preston's most memorable stories from attending West Point will capture your interest and imagination. At the conclusion of each gripping story, Preston efficiently summarizes how the experience taught him lessons about leadership, which later prepared him to be a combat commander. If you like twists and turns while reading and learning, you are in for a treat. Prepare to be glued to your seat and the text as you experience unforgettable stories and lessons from "The Point."

    It was only when I began to fuse the two that I realised there is no such thing as having a creative career and a personal life - there is only a creative life. That realisation, and the freedom it gave me, remains one of the most significant of my life.Samantha Wills started her self-titled jewellery company on the kitchen table of her share house in the eastern suburbs of Sydney when she was just 21 years old. While her rise to the global stage looked meteoric to many, Samantha has said 'It took me twelve years to become an overnight success.'Following Samantha's journey, from being named a breakout star by The New York Times to barely being able to breathe on a hotel room floor, Of Gold and Dust is so much more than a business memoir. In her unique, confessional tone, Samantha tells the intimate details of her life and business, sharing her truths with a rare rawness and vulnerability.Funny, down-to-earth, revealing and heartfelt, Of Gold and Dust is a must-read for anyone who has a desire to start their own business, or a passion to live a creative life and follow their dreams. Her story is an inspiring blueprint for getting out there and finding the magic that awaits you.

    This book is an outstanding revelational masterpiece that teaches you not just how to acquire faith, but how to put your faith to work so you can live the life of victory, success, joy, health and prosperity which God has ordained for you.You'll learn about: * The faith attitude in prayer, * The four different levels of the God-kind of faith * What to do for your faith to become great * The reason and the cure for weak faith * How to build prevailing faith Don't get stuck in the rut! Learn how to make your faith work!