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Retirement's Harsh New Realities: Protecting Your Money in a Changing World [Paperback]

Gordon Pape
4.2 out of 5 stars  See all reviews (10 customer reviews)
List Price: CDN$ 24.00
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Book Description

Jan. 10 2012

In this hard-hitting new book, personal finance expert Gordon Pape zeroes in on the realities of retirement that confront Canadians, including collapsing pension plans, a tax system that works against us, pitiful savings rates, and the fact that there are no "safe" investments.  What lies ahead is a series of wrenching changes to our retirement system as governments and corporations struggle to cope with a tidal wave of harsh economic, demographic, and social realities.  But it is not all doom and gloom if you take control of your money now!

With his trademark take-action advice, Pape helps you to understand the realities of retirement and offers practical solutions for protecting your family's future in a rapidly changing world.  If you want to ensure that you have enough money for retirement, Pape's approach to finance will teach you how to create a financial plan that works, pay off debt (and stay debt free), invest wisely, understand your pension plan, minimize taxes, and more.

In these lean times, Retirement's Harsh New Realities is a must-read for all Canadians.  Take control and learn how to protect your future.

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Retirement's Harsh New Realities: Protecting Your Money in a Changing World + Tax-Free Savings Accounts: How TFSAs Can Make You Rich + RRSPs: The Ultimate Wealth Builder
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Product Details

Product Description

About the Author

Gordon Pape is Canada's best-known finacial author and the publisher of two investment newsletters: The Income Investor and The Internet Wealth Builder. He is the author/co-author of several national bestsellers, including Tax-Free Savings AccountsRetirement's Harsh New Realities, Money Savvy Kids, and Sleep-Easy Investing. He has spoken at hundreds of seminars in Canada and the United States, is frequently quoted in the media, and is a popular guest on radio and television shows. His website is located at

Customer Reviews

4.2 out of 5 stars
4.2 out of 5 stars
Most helpful customer reviews
6 of 6 people found the following review helpful
5.0 out of 5 stars Good Basic and Very Helpful Information July 19 2012
Format:Paperback|Verified Purchase
This should make investing and saving for retirement a lot easier. Gordon Pape has provided lots of good information about:

1) setting up your retirement funding and making sure it's on the right track,

2) the myths, or common beliefs, that can throw us off track,

3) how to minimize taxes,

4) the absurdity of Canadian tax law and how it punishes seniors,

5) how and where to invest to minimize excessive taxation,

6) definitions of the major investment vehicles and their level of risk,

7) good basic plans for Canadians based on age groupings.

The book is easy to read, clear, concise, well-written. I started to read it in the wee hours of the morning and couldn't put it down. Maybe it should be required reading for anyone with a Canadian bank account!

Thank you, Mr. Pape.
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4 of 4 people found the following review helpful
4.0 out of 5 stars Gordon Pape Strikes Again March 4 2012
I have been a Gordon Pape follower for quite a few years, and have purchased several of his books. This one does a great job of introducing folks to the "New Canada"...a much harsher and colder place that we are used to...and it looks like global pressure is going to continue to force us to be nastier and nastier with our retired seniors.
As a person who is already retired, I purchased it mostly for my kids....but In AM finding a few gems for myself, too.
Worth the purchase price.
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3 of 3 people found the following review helpful
4.0 out of 5 stars Don't be fooled by the sensationa title. July 24 2012
Format:Paperback|Verified Purchase
Gordon Pape's "Retirement's Harsh New Realities", despite it sensational sounding title, is really one of the most sensible discussions of what retirement means for Canadians. This is a timely publication because, as he illustrates, most Canadians are woefully under or miss informed about the reality of their own retirements.

For those who have no idea of their retirement or only vague notions such as "I've got my pension from work", then you ought to read this. It is not alarmist, but it is a practical exposé of what retirement is in our rapidly changing times. If you are someone who is already looking after your personal finances with your retirement in view, it is still a valuable read for no matter how well informed we believe ourselves to be, we can always learn something new and helpful.

The style in which Pape presents the harsh new realities which constitue the first half of the book is easy to read, his chapters well organised and his points supported with pertinent anecdotal information. The second half of the book is an exposé of solutions and at no time does he come across as pedantic, which is often the failing of this sort of "financial help" literature. He gives us good sound, uncomplicated advice.

"Retirement's Harsh New Realities" covers thoroughly all of the aspects of retirement as it confronts us today. If you have yet to begin to plan for your retirement or you have already begun doing so, in my opinion, buying this book may be one of the best financial retirement investments you could make .
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17 of 20 people found the following review helpful
5.0 out of 5 stars A must-read for a good retirement Jan. 8 2012
I just finished reading the new book and quite enjoyed it. Lots of quality
Canadian information that is so hard to find. Easy reading that gets to the
point and maps out the issues and solutions. Great job!
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7 of 8 people found the following review helpful
5.0 out of 5 stars Good and Scary Jan. 28 2012
I really liked this book a lot. For so many that have not focused on doing some saving for retirement this book will be scary. If you are at all concerned about retirement and how much money you may need, but don't really know how to go about figuring out all the details. This book is for You. Gordon Pape does a good job explaining the CPP and other retirement income you may qualify to receive. Gives you the ins and outs for Canadians. I Own many Gordon Pape's books and this one is the most blunt and direct about the lack of taking care of our own part of the retirement equation. I highly recommend this book. But You also should get some other books as well. Specifically to understand what investments do fit your need. This books does cover some of that, but I find that if you read more, you are more likely to get to a method for saving the really works for You and Your situation.
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