And everything is based on the “science of investing” – evidenced with studies from peer-reviewed journals.Overall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don’t enter your retirement without it.

    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.

    In it, you'll discover exactly how you can use your life insurance to benefit you while you are alive—and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies—this book will be your guide.Life insurance is one of the oldest financial products around, and yet it is one of the most misunderstood. People debate its efficacy from every angle, but rarely is it championed. That is, until recently. Now, in this landmark book, you'll discover:• The invaluable CLUE concept• How to leverage opportunity and investment capability• How one dollar can do many jobs• How to use your death benefit while you are alive• Why you should set up a family bank• And much more."Live Your Life Insurance" is a book about life and living—using and benefiting from your life insurance while you are alive to enjoy it. And, in today's economy, it is more important than ever to understand and utilize all the financial tools we have at our disposal.

    But it's not a world populated by pinstriped men waiting to rob you, steal your savings and do nasty things to small kittens. You can win. (And you never have to pay a penny in tax!) This book shows you how. Robbie Burns, bestselling author of The Naked Trader, has been spread betting for years. He explains why it's an indispensable tool to use alongside normal investing or trading. Especially as you can make money even if the market goes down. Robbie takes you through everything from how it works, to managing your risk, working out exposure, and how, often, doing nothing is the best move! He explains the ins and outs of successfully betting on shares in his trademark down-to-earth style, covering everything you need to know. From the simple stuff through to proven strategies, including those that can be used in different markets - it's all here. There are also behind-the-scenes visits to two top spread betting firms. But it's a big, bad old world out there, and there are a whole heap of mistakes you can make, an awful lot of money you can lose. Rounding up spine-chilling traders' tales of spread bets gone wrong, and using all he has learnt from making silly mistakes himself, Robbie also helps you learn what not to do. This is the ultimate guide to spread betting - how to do it, have fun and hopefully make a few quid.

    

    

     By the author of the UK’s most popular property book, The Complete Guide To Property Investment. Please note that this book only covers letting and management of a property you already own. For a guide to buying the right property in the first place, you should buy ‘The Complete Guide To Property Investment’. Take a property, throw in a tenant and watch the money roll in. This seemingly simple formula has attracted nearly two million people in the UK to become landlords, but the reality is a whole lot more complicated. Did you know, for example, that if you forget to provide a certain piece of paper you might be unable to evict a tenant – even if they don’t pay the rent? Or that you could be fined for not checking your tenant’s immigration status? And don’t forget the inevitable broken boilers, mysterious leaks and various tenant complaints that always seem to happen at the most inconvenient time. How To Be A Landlord is a straightforward guide to everything involved in letting and managing a property – whether you’re an accidental landlord or an enthusiastic investor. In simple and entertaining language, it covers important steps like preparing the property to let, advertising for tenants, conducting viewings, doing all the paperwork, managing the tenancy, and dealing with any tricky situations that crop up (including the dreaded emergency repairs and evictions…). You’ll learn: • How to set yourself up for success when preparing a property to let • Where to find the perfect tenants for your property • The essential checks you must make to avoid a nightmare tenant • Everything you need to do when setting up a tenancy to avoid problems later • How to deal with the most common maintenance issues and repairs • The proper legal processes to follow when you have troublesome tenants • Top tips from experienced landlords for how to look after your tenants – keeping them happy, your property safe, and the rent rolling in Frequently updated and with contributions from over 50 experienced landlords, this is the most current and comprehensive book on the subject – and essential reading for anyone who wants a simple, profitable life as a landlord.

    OIL 101 is a straightforward guide to oil and an essential read for anyone coming to grips with where oil prices, the economy and society are headed.In OIL 101, Downey provides the facts one needs to understand oil, from its history and chemistry, to refining, finished products, storage, transportation, alternatives, and how prices are determined every day in global wholesale oil markets and how those markets are connected to prices at the pump.

    The text offers a strong finance foundation focusing on Internet resources and sample number problems, cases, and calculator solutions using a Microsoft Excel appendix. The text introduces the time value of money using three approaches to reinforce the concept--interest tables, financial calculator keystrokes, and investment analysis calculator software created specifically for the Mayo books.

    This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

    

    straight from an experienced pro that has seen millions of dollars exchange hands at the closing table.” - Peter Voogd, #1 International Bestselling Author of 6 Months to 6 Figures There are countless real estate books on the market today, so why read this one? What sets it apart from all the others out there?Bestselling Author, Alex Goldstein, brings a unique perspective that many others do not. As a successful realtor and investor, Alex has been on both sides of a real estate transaction, so he knows what strategies and techniques will lead to a successful deal, and which ones should be avoided at all costs. That’s why he chose the name, "No Nonsense Real Estate," for his third book.Goldstein offers practical, proven home buying techniques, free of fluff or confusing jargon.This book is for anyone who is getting ready to buy or sell a home and wants to be as informed as possible as they get ready to begin the process so there are no surprises – whether they will be working with a realtor or doing it on their own. 9 REASONS TO READ THIS BOOK NOW: 1. AGENT - Go through the pros and cons of working with a real estate agent, and the two ways that they can add the most value,2. ECONOMICS - You'll understand the fundamental economics of the housing market in the simplest terms possible3. INVESTING - Avoid the top five mistakes (almost) all new real estate investors make4. NEGOTIATIONS - Five critical elements of a successful negotiation5. FINANCING - Possible financing options, from traditional loans to seller financing6. SELLING - Seven secrets that make selling a home as painless as possible7. BUYING - Demystifying contracts and closing costs takes the fear out of the process8. CLOSING - Walk through eight steps involved in a real estate transaction closing9. PRACTICAL - Learn how all the different parts come together in a real life case studyYou also receive three free gifts. Goldstein has put together a special document answering the most popular questions every buyer, seller or investor has during a real estate transaction. You also get special access to an easy-to-understand glossary of the most popular real estate jargon. Last but not least, every reader is access to a free video training that will teach you how to choose the best home for your family.

    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.

    In Options Trading QuickStart Guide, ClydeBank Finance packages the wisdom of the Wall Street elite into a straightforward and easy-to-read teaching tool. Options Trading QuickStart Guide is ClydeBank Finance at its best, making complex ideas clear while endowing readers with a wealth of powerful new knowledge. Whether you’re a newcomer to options trading or a grizzled veteran looking for a fresh take on basic strategy, you’ll enjoy the plain-spoken style and colorful scenarios illustrated in Options Trading QuickStart Guide. In addition to providing a solid beginner’s course in options trading, Options Trading QuickStart Guide walks you through a multitude of strategic trading decisions, showing you how a trader thinks and how he arrives at critical decisions. This book wasn’t written for someone who wants to stay on the sidelines, but for the ambitious trader looking to become a formidable, sharp, and cunning options trader. You'll Learn: The fundamentals of put and call options. How to understand and leverage intrinsic value How to use a stock’s IV (implied volatility) to inform smart trades What you need to know about “The Greeks.” The mechanics of the short sell Scroll Up To The Top Of The Page And Click The Orange "Buy Now" Icon On The Right Side, Right Now! ClydeBank Media LLC 2016 All Rights Reserved