Guide To SIPPs

After my wife, Shannon Stewart, suggests that we each support our own parents, I set up a million-dollar retirement fund for my dad. However, when I review this month's household expenses, I notice that every single payment is made for the father of Sean Gardner, her childhood friend. "Sean's family is struggling. Why wouldn't I help them out? It's not like it's a lot of money." Shannon brushes it off. There are 13 separate expenses of around 100 dollars each in a single month. Yet when my dad needs 300 for medical bills, she prints out the receipt and tells me to reimburse the household account. Tired of arguing, I toss the statement aside and head inside. Then my dad's condition suddenly worsens, and he's hospitalized again. I rush to the bank to withdraw money from the retirement fund. "Your father isn't the beneficiary of this fund," the bank employee states coldly. "Are you sure you have the right account?" My mind goes blank. How is that possible? Every cent in that account is my hard-earned cash. The employee impatiently turns the computer monitor toward me. The account name on the screen clearly reads, "James Gardner's Retirement Fund." James is Sean's dad.

After I resign from a private company and move to work at an overseas company, my salary has increased by leaps and bounds. My wife, Vivian Spencer, who's always been smart about money, suggests that I turn in all of my salary. At the same time, she will decrease my allowance. Her reasoning is that she needs to use my salary on our family's daily expenses, so she can't spare me a single cent. As I watch Vivian record all the expenses dutifully, I can't resist asking, "What about your salary, then?" Vivian replies in a matter-of-fact tone, "I'm saving it up for our retirement pension." I don't bother responding afterward. Since then, I start spending every single cent of my salary, as per Vivian's suggestion. When Vivian notices the stream of packages being delivered to our home, she finally can't take it anymore. Upon hearing her question, I tell her happily, "You were the one who said that my salary is meant for our family's expenses!" Vivian exclaims in shock, "What sort of family do you think we are? As if we can afford to spend this much money every month!" What a joke. It turns out that Vivian knows that a regular family's expenses can't possibly drain every single cent of my salary in one go.

After I switched from a private company to a foreign enterprise, my salary rose accordingly. My husband, who was always frugal, suggested that I hand over my entire salary to him. He claimed it would be used for daily household expenses. Watching him calculate the numbers, I asked, “What about your salary?” He said casually, “I’m saving it for our retirement.” I said nothing and followed his instructions. I spent my entire salary within a month. My husband finally felt uneasy when he saw how many packages kept showing up at our home. Seeing his doubts, I happily said, “You’re the one who said to use my whole salary for household expenses.” He exclaimed, “What are we, the Rockefellers?! How can one month cost this much?” That was funny. It turned out that he knew that a normal family’s expenses would never take my entire salary.

"Yes”, I say slowly, tears welling up in my eyes as each drop run down my cheeks, hot and carrying the weight of my emotions, I feel my throat closing up and my chest tightening as I struggle to find words. What have I done to him? I think to myself, it dawn on me that maybe, just maybe, his aching and bothersome affection towards me could be sincere and I was at the brink of losing it. Billionaire CEO Elias Vermontary seems to only care about raising stocks and making investments, anything and everything to diversify the Vermontary enterprise. He is considered the most eligible bachelor in the country but marriage is unfortunately the last thing on his mind. In a bid to die down the rising rumors of his sexuality and the conniving efforts of his family, he decides to get married to Selene Argraval a struggling lawyer, who has a nerve wrecking disdain for the wealthy and their lavish lifestyle. As their worlds collide, they must learn to face the challenges of life together, forgoing their differences and withstanding the pressures of their contrasting lives. Will a love that doesn’t seem to exist brew, and will it be better to have loved and lost than never to have loved at all? Unravel the sacrifices made in a bid to love harder and longer.

One night. One mistake. One billionaire who won’t let her walk away. When Bella Bluefield agrees to a spontaneous night out, she never expects to wake up next to Xavier Louis — the cold, ruthless CEO of LV Group with a reputation as unbreakable as his empire. It was supposed to be a one-night stand. But weeks later, when she shows up at his office for a job interview… their worlds collide. And then she drops a bombshell: “I’m pregnant, sir.” What starts as an impossible situation spirals into a high-stakes war of secrets, sabotage, and shattered loyalties. With powerful enemies closing in — including Bella’s own manipulative mother — and a multi-billion-dollar scandal threatening Xavier’s legacy, the line between business and desire begins to blur. As love ignites, betrayal strikes — and someone wants Bella silenced. Forever. In a world where every choice could cost them everything, Bella must decide if she’s strong enough to fight for her child, her truth… and the man who just might break her heart.

She thought she could save those she loved. He thought he could save her. They'll both learn the truth. FIDELITY, the dramatic conclusion to the epic five-novel series INFIDELITY, following Lennox "Nox" Demetri, Alexandria "Charli" Collins, the Montagues, Demetris, Fitzgeralds, and Spencers is finally here. When the vows are complete and the dust settles, who will be left standing? No one is safe, and no alliance is above suspicion in the much-anticipated finale to this hot romantic-suspense saga. Our heroine has survived betrayal, cunning, deception, and entrapment…what will happen when she’s faced with fidelity? Infidelity, it isn't what you think. From New York Times and USA Today bestselling author Aleatha Romig comes a sexy new dominant hero who knows what he wants and a strong-willed heroine who has plans of her own. With classic twists, turns, deceptions, and devotions, this new epic romantic suspense will have readers swooning one minute and screaming the next. Have you been Aleatha'd?