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.

    Indeed, Washingtons army suffered defeat after defeat in the first few years of the war, fighting bravely but mainly trading space for time. However, the Americans did have a trump, in a reservoir of tough, self-reliant frontier fighters, who were brave beyond compare, and entirely willing to contest the Kings men with unconventional tactics.In this book, renowned author, and former U.S. Army Colonel, Robert Tonsetic describes and analyzes numerous examples of special operations conducted during the Revolutionary War. While the British might seize the coastlines, the interior still belonged to the Americans should the Empire venture inward. Most of the operations were conducted by American irregulars and volunteers, carefully selected, with specialized skills, and led by leaders with native intelligence. While General Washington endeavored to confront the Empire on conventional terms—for pure pride’s sake at the founding of the Republic--he meantime relied on his small units to keep the enemy off balance. The fledgling Continental Navy and Marines soon adopted a similar strategy. Realizing that the small American fleet was no match for the powerful British navy in major sea battles, the new Navy and its Marines focused on disrupting British commercial shipping in the Atlantic and Caribbean, and launching raids against British on-shore installations first in the Bahamas and then on the British coastline itself.As the war continued, Washington increasingly relied on special operations forces in the northeast as well as in the Carolinas, and ad hoc frontiersmen to defy British sovereignty inland. When the British and their Indian allies began to wage war on American settlements west of the Appalachians, Washington had to again rely on partisan and militias to conduct long-range strikes and raids targeting enemy forts and outposts. Throughout the war, what we today call SpecOps were an integral part of American strategy, and many of the lessons learned and tactics used at the time are still studied by modern day Special Operations forces. As this book establishes, the improvisation inherent in the American spirit proved itself well during the Revolution, continuing to stand as an example for our future martial endeavors.

    Teeming with adventure, international intrigue, and financial manipulations, the book reveals how a sky-struck young man of immense ambition and vision took a single-engined seaplane carrying mail 90 miles from Key West to Havana and expanded the operation into the vast world-wide airline that at one time considered itself the "chosen instrunment" of the State Department abroard - and was so condidered by official Washington.

    In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

    His father had requested the courts to look into evidences that would prove his son’s innocence, but the letter only goes on to show why Bhagat Singh is a true revolutionary who paved a new path for Indian Independence.

    A violent uprising has been instigated all across Tibet as Beijing moves to establish control while the Dalai Lama’s health deteriorates further and questions on the future of the Tibetan leadership are raised. As Beijing pursues the rebels and their benefactors within India, both nations are plunged into a spiraling descent to war. Now each side must navigate their widely different paths to victory as vast armies on both sides wage all-out war in their bid to become the dominant power in Asia… Book Edition: II

    The women on the station turned away with tears, images of their husbands, fathers, sons, brothers and boyfriends disappearing through the smoke. Dorothy stood there alone, until every trace of smoke from the train engine had dissipated. She suddenly felt cold and alone. She finally turned and followed the other women down the metal steps, off the station and back to Edward Street. 1927. The poverty-stricken streets of Neck End in England’s industrial midlands, were a lonely and miserable place for a little girl. Abandoned by her mother, Dorothy clings to the memory of her father, who lives in the capital city. London seems an entire world away, as she hopes for the day when he might send for her and she can finally get out. Twelve years later, the country is plunged into war with Germany and Dorothy’s world is thrown into chaos. Can she have a life in London with her father despite the dangers of war or will a chance encounter with a dashing soldier change her path for good?  Torn between loyalty to her father and the possibility of love, Dorothy struggles with the greatest decision of her young life. A decision influenced by war and the love of two strong, yet vastly different, men.

    Like William Clarke Quantrill and "Bloody Bill" Anderson, Samuel Hildebrand was a proud Missouri bushwhacker. In this long out of print book, Hildebrand describes raids and executions his band of men carried out. He remained at the end of the war and unreconstructed rebel and fervent racist. Like many of his southern brethren who fought, he never owned slaves but kept a captured black man with him after the war. This self-serving but fascinating account is a valuable addition to the canon of Civil War literature. In it, Hildebrand claims that others have tried to tell his story but have gotten it wrong, so he has a notarized statement by prominent men included as verification of authenticity. Every memoir of the American Civil War provides us with another view of the catastrophe that changed the country forever. For the first time ever, this long-out-of-print book is available as an affordable, well-formatted book for e-readers and smartphones. Be sure to LOOK INSIDE or download a sample.

    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.

    If you are tired of reading how-to books, this is perfect for you. I highly recommend this book to all traders. Everyone will learn something about themselves by reading this book." --Kathy Lien, author, Day Trading the Currency Market, and Chief Strategist, www.dailyfx.com"Adventures of a Currency Trader is a must read for anyone who has ever traded or is thinking about trading in the Forex markets. Rob Booker has a unique way of taking years of market knowledge and transforming it into an educational and entertaining experience. It has quickly become a cult classic in my trading library!" --H. Jack Bouroudjian, Principal, Brewer Investment Group"Brilliant! Rob's humor and humanity shine through in this parable about trading and life. Filled with wisdom and wit, it's an exhilarating rollercoaster ride through the peaks and valleys of the learning curve, with many valuable lessons learned along the way." --Ed Ponsi, President, FXEducator.com"Rob's fable of everyman 'Harry Banes' is destined to become a trading classic. This is both the missing piece and the foundation that comes before the strategies and methodologies. The search for the Holy Grail begins and ends in the heart and mind. The journey is authentic and real and if you're willing to take it with Rob, you will be rewarded in the end. Seldom has psychology and wisdom been so entertaining!" --Raghee Horner, trader and author of Forex Trading for Maximum Profit and Days of Forex Trading"In a series of insightful and entertaining vignettes, Rob Booker teaches both the novice and the experienced trader some hard won truths about the currency market. It's a must read book written by a guy who survived the trenches and went on to prosper in the biggest and most competitive financial market in the world." --Boris Schlossberg, Senior Currency Strategist, Forex Capital Markets LLC, and author of Technical Analysis of the Currency Market

    

    After they were jailed in 1969 for thirty years for murder, Pearson's biography The Profession of Violence enjoyed a cult following among the young and was said to be the most popular book in H.M.'s prisons, after the Bible. Ron died in 1995. Reg followed him five years later, and both of their funerals drew crowds on a scale unknown for film stars, let alone for two departed murderers. Since then, far from fading with their death, public fascination with the twins has never flagged. Their clothes and memorabilia are sold at auction like religious relics. Ron's childlike prison paintings fetch more money than those of many well-known artists. And people still refer to them like popular celebrities. Why? This is the question Pearson asked himself, and over the past three years he has been re-examining their history, unearthing much previously unknown material, and has come to some fascinating conclusions. The Immortal Murderers reveals new facts about the Krays' tortured relationship as identical twins; a relationship which helped predestine them to a life of crime; a relationship that made them utterly unlike any other major criminals. Pearson has discovered two new and unsuspected murders, along with fresh light on the killings of George Cornell and Jack 'the Hat' McVitie. There are facts about the twins' obsession with publicity, and how far this made them 'actor criminals' murdering for notoriety. Most riveting of all are the chapters which reveal how Ron Kray caused a major sexual scandal in which a prime minister, together with other leading politicians, condoned the most outrageous establishment cover-up in British politics since the war. The Immortal Murderers contains many more surprises, but the one thing that emerges is that the Kray twins were not only stranger but also far more important than anyone ever suspected. Fascination with them will forever remain; they will never lose their role as the immortal murderers.

    On average, fifty lenders a month were going bust-and the people responsible for the crisis included not just unregulated loan brokers and con artists, but also investment bankers and home loan institutions traditionally perceived as completely trustworthy.Chain of Blame chronicles this incredible disaster, with a specific focus on the players who participated in such a fundamentally flawed fiasco. In it, authors Paul Muolo and Mathew Padilla reveal the truth behind how this crisis occurred, including what individuals and institutions were doing during this critical time, and who is ultimately responsible for what happened.Discusses the latest revelations in the housing and mortgage crisis, including the SEC's charging of Angelo Mozilo Two well-regarded financial journalists familiar with the events that have taken place chronicle the crisis in detail, showing what happened as well as what lies ahead Discusses how the world's largest investment banks, homeowners, lenders, credit rating agencies, underwriters, and investors all became entangled in the subprime mess Intriguing and informative, Chain of Blame is a compelling story of greed and avarice, one in which many are responsible, but few are willing to admit their mistakes.

     This is the history of that division and the men and tanks that fought in it. Vic Hillery and Major Emerson Hurley, two veterans of the division, have provided a thorough account of this fascinating division in World War Two, from its inception in 1941 through to the end of the war. Hillery and Hurley fully explain how the Fifth Division, under the tactically brilliant leadership of Jack E. Heard, Sereno E. Brett, Lunsford E. Oliver, were able to revolutionise armored warfare. With detailed analysis the authors reconstruct the battles of the division and explain how they were able to carve a path through Normandy, Northern France, the Ardennes, Alsace, the Rhineland and Central Europe. Paths of Armor is essential reading for anyone interested in the Western Front of World War Two and the development of tank warfare that occurred through that war.

    Today, the approach of using the dividend yield to identify values in blue chip stocks still outperforms most investment methods on a risk-adjusted basis.Written by Kelley Wright, Managing Editor of Investment Quality Trends, with a new Foreword by Geraldine Weiss, this book teaches a value-based strategy to investing, one that uses a stock's dividend yield as the primary measure of value. Rather than emphasize the price cycles of a stock, the company's products, market strategy or other factors, this guide stresses dividend-yield patterns.Details a straightforward system of investing in stick-to-quality blue-chip stocks with reliable dividend histories Discusses how to buy and sell when dividend yields instruct you to do so Investors looking for safety and transparency will quickly discover how dividends offer the yields they desire With Dividends Still Don't Lie, you'll gain the confidence to make sophisticated stock market decisions and obtain solid value for your investment dollars.