Guide To SIPPs

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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 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.

Sofia Richards, the only daughter of the old billionaire James Richards is celebrating her 20th birthday out in town as her last billionaire wish. James got into dirty deals and has seen his fortune drawn under wrong investments. Wrong advice? Fake bills? Evil plot? All Sofia knows is that she is forced to marry Alex Holmes, the most desired Billionaire in town, in order to save her dad from jail or death. What happens when she realises that the one night stand she had on her birthday night is no other than her future husband's twin brother? When the love, attraction and secrets between them grow further into a secret relationship? What happens when this brother gets married and her ruthless husband discovers the relationship they had been entertaining?! How will Sofia cope with all this drama knowing that a baby is on the way and she doesn't know who the father might be? What about her father’s life? The contract? Things have turned out unpredictability and now what will Sofia do when her father tells her about true identity?

"Marry me," he replied coldly and emotionlessly. "In exchange, I'll pay your debt." There are no strings attached, and no love is expected. It was just a basic transaction." Sofie paused, her heart beating. She realized she had no other option. But as she stared into his cold gaze, she couldn't help but wonder if she was striking a pact with the devil. She felt a shudder run down her spine. Could she actually pull this off? Marry this man for money, knowing it will be a loveless marriage? In her thoughts, she could almost hear her mother's voice asking her to follow her heart. Sofia's life was flipped upside down when her parents died, leaving her alone and in debt. To be able to pay the remaining dept of her Dad, she have to accept to be the contract wife of a cold-hearted and famous Billionaire, someone she already had a bad encounter with. knowing there is no love between them. What she doesn't know is that she's being pulled into a dangerous web of secrets and lies.

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.