{"product_id":"100000-decision","title":"The $100,000 Decision: Your CPP\/QPP and Other Key Choices to Transform Your Retirement","description":"\u003cul class=\"tabs\"\u003e\n\u003cli\u003e\n \u003ca class=\"active\" href=\"#tab1\"\u003eDescription\u003c\/a\u003e\n\u003c\/li\u003e\n \u003cli\u003e\u003ca href=\"#tab2\"\u003eAuthor\u003c\/a\u003e\u003c\/li\u003e\n \u003cli\u003e\u003ca href=\"#tab3\"\u003eDetails\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n \n \u003cul class=\"tabs-content\"\u003e\n \u003cli class=\"active\" id=\"tab1\"\u003e\n\u003cp\u003e\u003cb\u003eWhat if you could have an extra $100,000, or more, in retirement income — without saving one more penny?\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eGuessing how long you will live and how long your life savings will last may be a gamble, but building a strong foundation of sustainable retirement income doesn’t have to be, and it’s easier than you may think.\u003c\/p\u003e\n\u003cp\u003eMost working Canadians know they will receive lifetime payments from the Canada Pension Plan or the Quebec Pension Plan, but few realize that you can choose when to start them, or that this choice significantly affects how much you receive for the rest of your life. \u003c\/p\u003e\n\u003cp\u003eEvery month you wait matters. For the average Canadian, taking CPP\/QPP at 60 rather than 70 means sacrificing about $100,000 in lifetime guaranteed income. In some cases, that could mean more than double the monthly pension amount.\u003c\/p\u003e\n\u003cp\u003eWhen to start CPP\/QPP is the one retirement decision that nearly every Canadian will face, but for most, it arrives with no one to help you understand your options, weigh the trade-offs, or protect the person you’ll be 20 years from now. \u003c\/p\u003e\n\u003cp\u003e\u003ci\u003eThe $100,000 Decision\u003c\/i\u003e is here to help you:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003erecognize that not all sources of retirement income are created equal and know the critical difference between savings and pensions, which are at the heart of building a secure retirement\u003c\/li\u003e\n\u003cli\u003elearn how to access additional income that carries no investment risk, is guaranteed for life, and is protected against inflation\u003c\/li\u003e\n\u003cli\u003eunderstand that retirement and starting CPP\/QPP are two separate decisions, which increase your options substantially\u003c\/li\u003e\n\u003cli\u003eapply the book’s principles to other major financial decisions to maximize your guaranteed monthly income in retirement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eDelaying CPP\/QPP is not just a good deal, it may be the best deal available anywhere in the Canadian retirement system. By delaying and locking in higher monthly payments for life, you’re not just planning for a wealthier retirement — you’re planning for a freer and more joyful one.\u003c\/p\u003e\n\u003cp style=\"color: #ff0000;\"\u003e\u003cb\u003eAvailable February 9, 2027. PRE-ORDER NOW!\u003c\/b\u003e\u003c\/p\u003e\n\u003cp style=\"padding-top: 20px;\"\u003e\u003cspan class=\"sans-serif-special\"\u003eBUY FROM:\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003e\u003ca href=\"https:\/\/www.amazon.ca\/100-000-Decision-Transform-Retirement\/dp\/1770419187\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cimg style=\"padding-right: 5px; padding-left: 5px; padding-bottom: 5px;\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/Amazon.ca_Button_77f55393-2cbc-407a-8a35-fd767e9ae248.png\" width=\"100\" height=\"30\"\u003e\u003c\/a\u003e\n\u003ca href=\"https:\/\/www.amazon.com\/100-000-Decision-Transform-Retirement\/dp\/1770419187\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cimg style=\"padding-right: 5px; padding-left: 5px; padding-bottom: 5px;\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/Amazon.com_Button_74eac223-be95-45f8-898c-b5754c7edbce.png\" width=\"100\" height=\"30\"\u003e\u003c\/a\u003e\n\u003ca href=\"https:\/\/www.barnesandnoble.com\/w\/the-100000-decision-bonnie-jeanne-macdonald\/1150870440\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cimg style=\"padding-right: 5px; padding-left: 5px; padding-bottom: 5px;\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/B_N_Button_eda69837-b34b-4f02-a66d-9270330d32db.png\" width=\"100\" height=\"30\"\u003e\u003c\/a\u003e\n\u003ca href=\"https:\/\/www.booksamillion.com\/p\/Decision\/Bonnie-Jeanne-MacDonald\/9781770419186\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cimg style=\"padding-right: 5px; padding-left: 5px; padding-bottom: 5px;\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/BAM_Button_101988c0-7e4b-442d-ab2b-556219f35ef2.png\" width=\"100\" height=\"30\"\u003e\u003c\/a\u003e\n\u003ca href=\"https:\/\/bookshop.org\/p\/books\/the-100-000-decision-your-cpp-qpp-and-other-key-choices-to-transform-your-retirement-bonnie-jeanne-macdonald\/ae041fd1599443b3\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cimg style=\"padding-right: 5px; padding-left: 5px; padding-bottom: 5px;\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/Bookshop_Button.png\" width=\"100\" height=\"30\"\u003e\u003c\/a\u003e\n\u003ca href=\"https:\/\/www.indigo.ca\/products\/the-100-000-decision-your-cpp-qpp-and-other-key-choices-to-transform-your-retirement?variant=47192143528146\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cimg style=\"padding-right: 5px; padding-left: 5px; padding-bottom: 5px;\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/Indigo_Button_8ac82365-74c6-462b-a9c1-f29926314ee1.png\" width=\"100\" height=\"30\"\u003e\u003c\/a\u003e\n\u003ca href=\"https:\/\/www.mcnallyrobinson.com\/9781770419186\/bonnie-jeanne-macdonald\/the-100-000-decision\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cimg style=\"padding-right: 5px; padding-left: 5px; padding-bottom: 5px;\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/McNally_Button_b2df9a42-e2e8-4e84-9aa6-cbbbfdb6392f.png\" width=\"100\" height=\"30\"\u003e\u003c\/a\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"small-grey-text\"\u003e\u003ci\u003ePrice may vary by retailer\u003c\/i\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp style=\"padding-top: 30px;\"\u003e\u003cb\u003eCheck availability at your local Canadian independent bookstore:\u003c\/b\u003e\u003c\/p\u003e\n \u003cdiv class=\"tbm_shop_local\" data-options=\"{\n 'api_key' : '5XHiEK69GWj88UM4tjoZ9DkEoo9MFauV',\n 'product_code' : '9781770419186',\n 'distance_km' : '100',\n 'label' : 'Shop Local',\n 'request_location' : 'true',\n 'image' : 'https:\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/Shop_Local_Button.png'\n }\"\u003e\u003c\/div\u003e\n \u003cscript src=\"https:\/\/bookmanager.com\/public\/api\/tbm-shop-local.js\"\u003e\u003c\/script\u003e\n \u003cp style=\"font-size: 12px;padding-top: 10px;\"\u003e\u003ci\u003eRemember that most stores can easily order books they don’t currently have in stock.\u003c\/i\u003e\u003c\/p\u003e\n\n\u003cp style=\"padding-top: 30px;\"\u003e\u003cspan class=\"sans-serif-special\"\u003eBUY FROM ECW PRESS:\u003c\/span\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n \u003cli id=\"tab2\"\u003e\u003cp\u003e\u003cb\u003eBonnie-Jeanne MacDonald\u003c\/b\u003e, Ph.D., FSA, FCIA, is an actuary and retirement-income researcher specializing in pension design, financial security in later life, and how people actually experience retirement decisions. She is the Director of Financial Security Research at the National Institute on Ageing at Toronto Metropolitan University, where she founded and co-leads the Pension Centre of Excellence. She is also the resident scholar at Eckler Ltd. and lives in Halifax, NS.\u003c\/p\u003e\u003c\/li\u003e\n \u003cli id=\"tab3\"\u003e\n \u003cp\u003ePublished: February 2027\u003c\/p\u003e\n \u003cp\u003eISBN: 9781770419186\u003c\/p\u003e\n \u003cp\u003eDimensions: 6 x 9 in.\u003c\/p\u003e\n \u003cp\u003ePages: 240\u003c\/p\u003e\n \u003c\/li\u003e\n\u003c\/ul\u003e\n \n \u003c!-- split --\u003e\n \n \u003cdiv class=\"grid__item large--one-half review\"\u003e\n\u003c\/div\u003e\n \n \u003cdiv class=\"grid__item large--one-half review\"\u003e\n\u003c\/div\u003e","brand":"MacDonald, Bonnie-Jeanne","offers":[{"title":"Paperback","offer_id":45500843884659,"sku":"9781770419186","price":28.95,"currency_code":"CAD","in_stock":false},{"title":"ePub","offer_id":45500843917427,"sku":"9781778526572","price":19.99,"currency_code":"CAD","in_stock":true},{"title":"PDF","offer_id":45500843950195,"sku":"9781778526589","price":19.99,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0719\/2207\/files\/9781770419186.jpg?v=1789486484","url":"https:\/\/ecwpress.com\/products\/100000-decision","provider":"ECW Press","version":"1.0","type":"link"}