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Enough Bull: How to Retire Well without the Stock Market, Mutual Funds, or Even an Investment Advisor Paperback – Aug 12 2009


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Frequently Bought Together

Enough Bull: How to Retire Well without the Stock Market, Mutual Funds, or Even an Investment Advisor + Cash Cows, Pigs and Jackpots: The Simplest Personal Finance Strategy Ever + Smoke and Mirrors: Financial Myths That Will Ruin Your Retirement Dreams (8th Edition)
Price For All Three: CDN$ 46.09


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Product Details

  • Paperback: 224 pages
  • Publisher: Wiley; 1 edition (Aug. 12 2009)
  • Language: English
  • ISBN-10: 0470161272
  • ISBN-13: 978-0470161272
  • Product Dimensions: 15 x 1.1 x 22.7 cm
  • Shipping Weight: 272 g
  • Average Customer Review: 3.4 out of 5 stars  See all reviews (13 customer reviews)
  • Amazon Bestsellers Rank: #7,225 in Books (See Top 100 in Books)
  • See Complete Table of Contents

Product Description

From the Inside Flap

The one book your bank REALLY does not want you to read.

More than ever before, Canadians are frightened and stressed out about their retirement and financial future. With the mortgage, car payments and credit card bills, there never seems to be enough to pay the current bills let alone save thousands in RRSPs. At the same time, the large financial institutions are bombarding us with fearful messages of destitution unless we maximize our RRSP contributions.

The stock market crash of 2008 has proven one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Throwing money into RRSPs and trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? In Enough Bull, David Trahair explains:

  • How to invest only in 100% safe investments that will never decline
  • How to get out of mutual funds and the stock market - forever
  • The "Tax Turbo-Charged RRSP strategy" - why you should wait until you are over 50 to start your RRSP
  • Exactly what age to elect to receive the CPP pension
  • How to avoid the scams that lead to personal financial disaster

Easy to understand and simple to apply, Enough Bull shows Canadians how to avoid all the traps and why doing the exact opposite of what they have been told will leave them much further ahead.

www.enoughbull.ca

From the Back Cover

The one book your bank REALLY does not want you to read.

More than ever before, Canadians are frightened and stressed out about their retirement and financial future. With the mortgage, car payments and credit card bills, there never seems to be enough to pay the current bills let alone save thousands in RRSPs. At the same time, the large financial institutions are bombarding us with fearful messages of destitution unless we maximize our RRSP contributions.

The stock market crash of 2008 has proven one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Throwing money into RRSPs and trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? In Enough Bull, David Trahair explains:

  • How to invest only in 100% safe investments that will never decline
  • How to get out of mutual funds and the stock market - forever
  • The "Tax Turbo-Charged RRSP strategy" - why you should wait until you are over 50 to start your RRSP
  • Exactly what age to elect to receive the CPP pension
  • How to avoid the scams that lead to personal financial disaster

Easy to understand and simple to apply, Enough Bull shows Canadians how to avoid all the traps and why doing the exact opposite of what they have been told will leave them much further ahead.

www.enoughbull.ca


Inside This Book (Learn More)
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Front Cover | Copyright | Table of Contents | Excerpt | Index
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Customer Reviews

3.4 out of 5 stars

Most helpful customer reviews

20 of 21 people found the following review helpful By Jasper Taylor on Jan. 29 2010
Format: Paperback
David Trahair has done it again. I closely followed his advice in his last book (Smoke and Mirrors) and as a result avoided the carnage of 2008. After reading Enough Bull I have to say that it's even better and more to the point than Smoke and Mirrors. Yes, it is a very conservative approach to investing but that's the whole point of this strategy - to sleep soundly at night knowing that your retirement funds are OK. No, you're not going to make some 'black-swan' - type extraordinary gains using Trahair's tactics, however, you will not have to worry whether or not your portfolio is going to blow up on the eve of your retirement (something that tens of thousands of Canadian boomers have experienced as a result of sheepishly handing over their money to the banks' 'actively' managed mutual funds). If you're a middle-class investor who's looking to stash away some funds for your golden years this is the best $20 that you'll ever spend. I've bought over 10 copies of this book already for my friends and relatives. Thank you Mr. Trahair for your contrarian insight that anyone can understand and follow. Every Canadian should have a copy of this book before investing a penny. it's the perfect counterbalance to the barrage of propaganda that's unleashed on the public every RRSP season.
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23 of 26 people found the following review helpful By E. Lemieux on Nov. 26 2009
Format: Paperback
Full disclosure: I do not know Mr. Trahair, the publisher, nor do I work in the financial industry. However, I actually read this book.

The author has written a book that is simple enough for a worker like myself to understand, while also providing plenty of evidence to support his arguments. I actually found his arguments so clear and rational that I am applying his advice.

I would like to reply to the criticisms that this book has received:

The book makes a clear, long-term argument in support of GICs compared to the stock market during the same period of time. Trahair does not merely cherry pick 2008 and 2009. To say that GICs only look good in comparison to the recent crash is false. For readers that insist on earning massive (unrealized) gains, we will see in a year or two if they can still make those claims. Unlike GIC holders in CDIC-covered institutions, they cannot offer guarantees.

The accusation that the book ignores the implications of income tax and inflation on GICs is also false. Remember, I read the book, and the author does provide a convincing argument in support of the GIC compared to mutual funds (for example).

The concern that the book is going to convince people suffering in this recession to pull out of their stocks before they (possibly) recover is completely false. Trahair clearly states that this situation is painful, but generally recommends that people in this situation hang on to recover their money. Once that is achieved, they should move over to GICs (after clearing all of their debts, of course).

When reviewers with credentials like "CFP" make false accusations about this book, I wonder what their motivation is. You decide who is giving you bad advice; I have made my decision.
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3 of 3 people found the following review helpful By Rhonda Cottrell on Feb. 21 2013
Format: Paperback Verified Purchase
This book takes the mystery out of investing and helps a person to develop a simple plan to ensure a solid retirement. We have already started to use the methods described in the book and are amazed at how easy it is to do and how freeing it is to know that our money is secure. I highly recommend this book.
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2 of 2 people found the following review helpful By Connie Seward on July 21 2012
Format: Paperback
Thanks to Mr. Trahair for allowing Canadians to enjoy a cup of coffee again without feeling that they are destroying their future financial security. The best advice for sound financial management that I have read in a long time. While some mega financial experts tout mutual funds with 12% returns but considerable risk, or advise to attempt to make RRSP contributions, debt repayments, and establish emergency savings, all while paying down a mortgage, Mr. Trahair establishes a commonsense approach that any of us with depression-era parents will find comfortingly familiar and irrestibly exciting. An excellent read!
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3 of 4 people found the following review helpful By IronM on Sept. 18 2010
Format: Paperback
This is an excellent book to get your finances in order and put things into perspective. Some of the advice in this book is excellent, such as; get rid of your debt first before investing. Another pearl of wisdom is to not borrow money to invest. My only beef with this is the GIC only approach to investing. If you read this book, follow the advice, you are doing well. When you've actually paid off your debts and have money to invest, I would recommend reading Rob Carrick's "What's Good, Bad, and Downright Awful in Canadian Investments today". The combination of these two books will set you up for financial independence and give you enough information so you don't get hosed by the financial industry, and retire well.

I highly recommend this book in conjunction with Rob Carrick's book.
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13 of 18 people found the following review helpful By Oai Truong on Sept. 21 2009
Format: Paperback
I love to invest in equities, and have been generating an average of a 25% return this year, but I bought this book to see the other extreme. With the crash of 2008, a lot of people will think a 4-5% return is pretty decent now compared to the 40% loss last year. This book suits investors 55 and over, as it avoids the risks of the stock market in favor of safe guaranteed investments like GICs and government bonds. There is good advice on CPP and how to get the best out of that, but otherwise most younger investors like myself will find this approach too boring, too safe.
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