The New Rules of Retirement - What Your Financial Advisor Isn't Telling You

In the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. 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.

• Combine government and personal sources of income most efficiently
• Determine which assets to use first and which to defer
• Preserve government benefits and entitlements that are in many cases needlessly wasted or lost
• Create results that are more survivor- and estate-friendly than traditional approaches
• Greatly reduce taxes on retirement income and to the aggregate estate.

Your Retirement Income Blueprint  lays out a six-step process for "taking apart" accumulated assets, making the most out of what you have taken a lifetime to save, and creating an income that lasts as long as you do.

Most people wouldn't expect a schoolteacher to amass a million-dollar investment account. But Andrew Hallam did so, long before the typical retirement age. And now, with Millionaire Teacher, he wants to show you how to follow in his footsteps. With lively humor and the simple clarity you'd expect from a gifted educator, Hallam demonstrates how average people can build wealth in the stock market by shunning the investment products peddled by most financial advisors and avoiding the get-rich-quicker products concocted by an ever widening, self-serving industry.

Using low cost index funds, coupled with a philosophy in line with the one that made Warren Buffett a multi-billionaire, Hallam guides readers to understand how the stock and bond markets really work, arming you with a psychological advantage for when markets fall.

• Shows why young investors should hope for stock market crashes if they want to get rich
• Explains how you can spend just 60 minutes a year on your investments, never open a financial paper, avoid investment news, and still leave most professional investors in the dust
• Promotes a unique new investment methodology that combines low cost index funds and a Warren Buffett-esque investment philosophy

Millionaire Teacher explains how any middle-income individual can learn can learn the ABCs of personal finance and become a multi-millionaire, from a schoolteacher who has been there and done that.

GAME OF THRONES: A NEW ORIGINAL SERIES, NOW ON HBO.

Dubbed “the American Tolkien” by Time magazine, George R. R. Martin has earned international acclaim for his monumental cycle of epic fantasy. Now the #1 New York Times bestselling author delivers the fifth book in his landmark series—as both familiar faces and surprising new forces vie for a foothold in a fragmented empire.
 
A DANCE WITH DRAGONS
A SONG OF ICE AND FIRE: BOOK FIVE
 
In the aftermath of a colossal battle, the future of the Seven Kingdoms hangs in the balance—beset by newly emerging threats from every direction. In the east, Daenerys Targaryen, the last scion of House Targaryen, rules with her three dragons as queen of a city built on dust and death. But Daenerys has thousands of enemies, and many have set out to find her. As they gather, one young man embarks upon his own quest for the queen, with an entirely different goal in mind.

Fleeing from Westeros with a price on his head, Tyrion Lannister, too, is making his way to Daenerys. But his newest allies in this quest are not the rag-tag band they seem, and at their heart lies one who could undo Daenerys’s claim to Westeros forever.

Meanwhile, to the north lies the mammoth Wall of ice and stone—a structure only as strong as those guarding it. There, Jon Snow, 998th Lord Commander of the Night’s Watch, will face his greatest challenge. For he has powerful foes not only within the Watch but also beyond, in the land of the creatures of ice.

From all corners, bitter conflicts reignite, intimate betrayals are perpetrated, and a grand cast of outlaws and priests, soldiers and skinchangers, nobles and slaves, will face seemingly insurmountable obstacles. Some will fail, others will grow in the strength of darkness. But in a time of rising restlessness, the tides of destiny and politics will lead inevitably to the greatest dance of all.