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.

David Trahair is a Chartered Accountant, speaker and author of five books on personal financial issues. Two of his books are National Bestsellers – the one you are holding and Enough Bull: How to Retire Well Without the Stock Market, Mutual Funds or Even an Investment Advisor. He is a straight shooter able to explain the often-confusing world of personal finance in plain English. Canadians appreciate David's no-nonsense style and the fact that his views are totally independent. There are no sponsors behind the scenes shaping what he says and he does not sell any financial products. David says and writes what he wants to – unfiltered advice for the hard-working Canadian. David currently operates his own public accounting firm and gives half- and full-day seminars on his books to CAs in B.C., Alberta, Saskatchewan, Manitoba and Ontario. He has also delivered seminars to the Certified Management Accountants of Ontario (CMAs) and the Certified General Accountants of Ontario (CGAs). He belongs to the Canadian Institute of Chartered Accountants (CICA) and the Institute of Chartered Accountants of Ontario (ICAO). He is a frequent speaker, appears regularly in the media and contributes regularly to financial publications. He is also a former director of Credit Canada, a non-profit organization dedicated to helping people deal with credit problems. His website is www.trahair.com.

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