DISCLAIMER The author and publisher of this E-book have used their best efforts in compiling this E-book. The author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness or completeness of the contents of this E-book. The information contained in this E-book is strictly for information purposes only. Should you desire to apply any information contained in this Ebook, you may verify the information with a third party and take full responsibility for your actions. Network18 Publications and Network18 group companies do not endorse any advertisements appearing on this E-book. This E-book contains copyrighted material and must not be copied, reproduced, transferred, distributed, licensed or publicly performed or used in any manner whatsoever except as specifically permitted in writing by the publisher or as allowed under the terms and conditions under which it was purchased or as strictly permitted by applicable copyright law. Any unauthorized distribution or use of this text may be an infringement on the author’s and/or publisher’s right and those responsible may be liable in law accordingly. The author and publisher disclaim any warranties (express or implied), merchantability, or fitness for any particular purpose. The author and publisher shall in no event be held liable or responsible to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is”, and without warranties. By subscribing to or using this service you are deemed to hereby accept this disclaimer. Network18 Publications and Network18 group companies reserve the right to take legal action, as deemed fit, if the terms and conditions of the use of this E-book or its services as described herein are not compiled with. Any disputes in relation thereof shall be subject to the exclusive jurisdiction of the courts at Mumbai, India. Network18 Publications and Network18 group companies and content providers shall have no financial liability whatsoever to the users/subscribers of this E-book. For more information contact Network18 Publications and Network18 Group Companies at
[email protected] E-Book ISBN 978-93-80200-81-1 Published by Network18 Publications Private Limited in 2013 507, Prabhat Kiran, 17, Rajendra Place, New Delhi-110008 Acknowledgement This book is created out of my experience with all the blog readers and clients I have worked with. While I wrote this book, I received immense help and support from various people to design and create this book. I would like to start with a big thanks to thousands of our blog readers and hundreds of our clients who have given me insights on the issues they face in real life and the potential areas any investor would like to improve and solve in their financial life. I would like to thank my business partner and a great friend, Nandish Desai who brainstormed with me and helped in shaping to this book. He helped me with amazing insights on how the book can be of most value to the reader and how it can become a stronger book. I would like to thank my parents and wife who supported me in writing this book and gave me enough space and time to do my job in the best possible manner. I would like to thank Mahavir Chopra, Namrata and Narendra Ahuja who looked at my work and suggested me improvements at some places in the book. Finally, I would like to thank Network 18 who published this book and my editor who helped to give a polished look and language to my writing. Without the support of everyone, this book would not be created the way it is today. Thanks to all. Manish Chauhan CONTENTS Wake Up Call Step 1: Optimize Life Ins