Stop risking everything to make your investment advisor rich The stock market crash of 2008 proved one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? Enough Bull shows you how, with an easy-to-understand, simple-to-apply strategy for a better retirement. Enough Bull overturns the conventional wisdom about retirement planning, and offers the simple secrets to securing a comfortable retirement. In an accessible and straightforward style, this practical guide explains how it's possible to save for retirement starting later in life, retire comfortably on less money, and incur less risk. Updated to apply to both the U.S. and Canada, this new second edition offers a message of hope for average, cash-strapped baby boomers by detailing a step-by-step plan for avoiding all the traps, doing the exact opposite of what the major financial institutions recommend, and still coming out further ahead. * Invest only in safe investments that will never decline * Get out of the stock market and mutual funds forever * Why waiting to save for retirement may beat starting early * Elect to receive the CPP pension at exactly the right age * Avoid the common scams that lead to financial disaster More than ever before, retirees are frightened and stressed out about finances. There never seems to be enough to pay current bills, let alone save thousands in RRSPs and 401Ks, yet the large financial institutions bombard us with fearful messages of destitution unless we maximize our contributions. The truth is this makes them rich, and you poor. Cut through the noise, stop taking the bait, and discover how you can have a comfortable future without sacrificing the present. Enough Bull provides the plan, you just need to act.

A contrarian and controversial look at personal finance, and a super simple strategy for making--and keeping--more money

Traditional financial wisdom persuades us to grow our net worth and build our assets. But traditional financial wisdom is often wrong. In "Cash Cows, Pigs and Jackpots: The Simplest Personal Finance Strategy You'll Ever See," author and Chartered Accountant David Trahair challenges everything we think we know about managing our money, suggesting that that we follow the lead of the financial institutions that are leading us down the path to financial ruin.

The banks, brokers, and investment companies of the world make enormous sums of money because they know that cash is king and they know how to guarantee cash flow from their clients on a continual basis. They aren't making the bulk of their money from investing in the stock market--they're leeching it from regular people like you, every minute of every day. "Cash Cows, Pigs and Jackpots" turns the tables, showing that the biggest cash cow we have is ourselves. Instead of chasing a dream that will never come true, it presents a financial plan so simple even a 10-year-old could understand it.Explains why the common consensus about making money is inherently flawedPresents an incredibly simple, easy-to-follow plan for really making and saving moneyExposes the dangers of trusting money to a bank or broker

Helping you break asset addiction, get out of debt, and increase your personal cash flow--and your wealth with it, "Cash Cows, Pigs and Jackpots" explains how bringing more cash into your life and watching carefully where it goes will allow you to save more, live the life you want, and avoid as much risk as possible--a great strategy going into the stormy financial years to come

If you read the papers and listen to the "experts," you've heard the usual pitches about retirement: you'll need a million dollars so you better start an RRSP early and maximize your contributions, trust the stock market and mutual funds for the best returns and put your faith in a financial advisor. But what if this advice is wrong? By reading this book, you will learn the truth about these myths. You will also be given six free spreadsheets to figure out where you really stand, including the latest "Retirement Optimizer" that allows you to compute your retirement income year-by-year and the "Personal Rate of Return Calculator" so you can determine just how well your investments have done. Find out if you are saving enough ... or too little. Smoke and Mirrors dispels the five main retirement myths: 1. If I had $1,000,000 I could retire. Find out why you might be fine with much less. 2. RRSPs are the holy grail of retirement. Discover what is more important than the size of your RRSP. 3. Don't worry about your investments; you'll be fine in the long run. You'll learn how to figure out the truth about how well your investments are really doing. 4. We have met the enemy, and he is the tax collector. You may be interested in reducing your taxes, but find out why tax shelters may be dangerous to your financial health. 5. Secure your financial future - buy life insurance. Find out who needs it, who doesn't and how to get it cheap.

As the majority of Canadians are now spending much more than they make, their debt levels are reaching crisis proportions. Excluding mortgage debt, the average Canadian owes over $25,000 in consumer debt, which poses massive risks not only for the individuals carrying that financial load, but for our entire financial system. In "Crushing Debt," bestselling author David Trahair ("Enough Bull) "warns Canadians that consumer debt is becoming an urgent problem but one that can be solved.

Trahair clearly outlines the evils of debt and how easy it is for debt to spiral out of control with examples of real-life stories of debt disasters. If you are a Canadian who is already struggling with debt, "Crushing Debt" will motivate you to face your financial problems and will show you step-by-step the most appropriate solution to getting out of your personal debt hell. Filled with proven advice, "Crushing Debt" is a call to action on an urgent and debilitating problem for far too many Canadians.