Is Your Mortgage Tax Deductible: The Smith Manoeuvre by Fraser Smith

Would you like to make the interest on your mortgage tax-deductible? This book can show you how (or more precisely, how to convert your mortgage into an investment loan). Using a very creative approach, Fraser Smith explains how a reversible mortgage can be used to reduce one's taxes. In a nutshell, a reversible mortgage is a financial instrument that is comprised of two parts: first, the mortgage on the house; and second, a line of credit that allows a homeowner to borrow from the equity in their house. The line of credit increases as the principal on the house is paid down. For example, if you pay off $600 of principal in a month, then you can borrow $600 from the line of credit.

The trick to this strategy is found in the tax rule that allows Canadians to deduct interest from investment loans. Using this rule, if a homeowner uses their line of credit to purchase investments (e.g. stocks, mutual funds, investment properties, bonds, etc.), then they can deduct their interest payments on this line of credit from their taxes. As such, the strategy does not allow a person to deduct the interest on their mortgage per se from their taxes, but rather to deduct the interest on their credit line that is based on the amount of principal that has been paid off.

In the first step of the Smith Manoeuvre, a homeowner will use all of their tax refunds to pay down their mortgage as quickly as possible, and then borrows an amount equal to the paid-off principal to buy more investments. Through this process a person can convert their mortgage from a "bad debt" (i.e. a loan in which interest cannot be deducted) to an investment credit line that is a "good debt" (i.e. a loan in which interest is tax deductible).

In the second step, once the mortgage is paid off, the homeowner can either use the tax refunds on their investment line of credit to buy more investments, or decide to use their now sizeable investment portfolio to pay off their line of credit.

I liked this book because it proposes a very creative approach to investing. As long as you are comfortable with having the same amount of debt, (this strategy doesn't reduce debt, but  rather converts it from a non-deductible mortgage to a deductible investment line of credit), you can use the Smith Manoeuvre to build up an investment portfolio much faster than you could have otherwise.

On the downside, I found this book to be very, very repetitive, with the same point being recycled numerous times. As well, the rates of return that are projected are highly unrealistic. In several parts of the book examples are given with a rate of return of 10 per cent. In this economic climate, it is highly unlikely -- if not delusional -- to expect an investment portfolio to grow by 10 per cent per year. It is also unfortunate that Fraser Smith does not acknowledge the risks in his strategy. For instance, in 2008, anybody using this strategy could have found themselves holding onto an investment portfolio that was worth less than the value of their house, while still having to pay interest on an investment line of credit. Most people in this scenario would not be calmed with the knowledge that interest paid on this line of credit is tax deductible. That being said, this is an interesting concept and the book does prevent food for thought.

3 out of 5 stars

Enough Bull: How to Retire Well Without the Stock Market, Mutual Funds, or Even an Investment Advisor by David Trahair

The 2008 financial crisis convinced David Trahair that the stock market is too risky for anyone saving for retirement. After watching the investment portfolios of too many people evaporate into thin air, he wrote this book to make the case that one can ignore the stock market altogether and still retire comfortably. With interesting arguments, Trahair counsels that one should first pay off all debt (and in particular mortgage-debt) before even considering to invest. Bucking conventional wisdom, he even advises people to stop making RRSP contributions until they are debt free.

But what about compound interest? Won't a person miss out on the slow accumulation of wealth if they wait until their late-40s or 50s to make RRSPs contributions? Not so, says Trahair, who is a chartered accountant. Relying on straightforward calculations, he points out that a person who is debt-free in their early-50s can: a) save significant more amounts of money than someone in their 30s or 40s who is paying off a mortgage and / or raising children; and b) because they are reaching their top earning years their tax refunds will be much higher. These refunds, in turn, can be used to make more RRSP contributions.

When analysed this way, the "tax turbo-charged RRSP" strategy is much better than the "start early" approach. To paraphrase the book, one can save $200 a month in RRSPs during their 30s, 40 and 50s, (and in the process pay off their mortgage more slowly, resulting in higher interest charges), or alternatively, one can focus on paying off their mortgage during their 30s and 40s and then, once debt free in their early-50s, save $1,500 a month in RRSPs for 10 years. At the end of the day, the latter approach will result in greater savings. (Note: This example is not in the book, it simply paraphrases the argument).

What should someone invest in when they have paid off their debt? The book's answer is clear: Guaranteed Investment Certificates (GICs). After watching the stock market plunge in 2008, Trahair is adamant that stocks are too risky. Furthermore, he argues that the rate of return on GICs are not that much different from stocks.

It is at this point that the book's thesis starts to weaken. Given the financial meltdown in 2008 and the ensuing recession, it is understandable why some people would want to swear off the stock market. However, Trahair's analysis is overly pessimistic. In order to make his point, he repeatedly mentions how the TSX crashed in 2008, and how this crash destroyed the rate of return for stocks. Unfortunately, this analysis ignores the partial-recovery that has taken place since then. As well, his analysis of the returns of GICs versus stocks tends to ignore dividends, which skews his argument.

Trahair makes a solid argument when he states that Canadians should first pay off debt before investing. He also makes a plausible case that GICs are a much better investment than people think. Where he starts to go off the rails, however, is in his claim that the rate of return for GICs are comparable to those of stocks. This is simply not true. Yes, stocks are risky (you can lose all of your money) but the returns can also be much greater. If you want to protect your investment then it makes sense to consider the GIC, tax turbo-charged RRSP strategy. If you are looking for stock-like returns with GIC safety, however, then you won't find that in this book because such a scenario does not exist.

3 1/2 out of 5 stars

Debt Free for Life (Canadian Edition) by David Bach

Sometimes a good financial planner is also a cheeseball. In this best-selling book, David Bach provides some very good advice on how to become debt free. Unfortunately, this common sense approach is often undermined by a writing style that is (how can I put it) akin to a 16-year-old girl writing in her diary about the cute boys in class. Other parts of the book, meanwhile, sound like an informercial, as various sections contain "testimonials" from readers about how great Bach's lessons are. This reader feedback is then interspersed with semi-regular sales pitches on how you can buy some of his other books, such as his highly popular work The Automatic Millionaire.

To give you an example, Bach REALLY likes to write the occasional word in CAPITAL letters in order to make it clear that his point is really IMPORTANT. This "cute" technique -- it would be a bit cruel to call it "childish" -- often gets in the way of an otherwise sensible book. While not ground breaking, Bach provides a lot of useful tips on how to lower and eventually eliminate your debt, including: how to fix your credit score; how to negotiate with credit card companies about lowering your interest rate; how to pay off your mortgage quicker; and how to find a good debt counsellor that can help with any serious debt repayment problems. True, a lot of this advice is common knowledge and can be found elsewhere, but by putting all of these tips in a single book the reader can use it as a workbook to help them reduce their debt.

It is clear from reading this book that Bach has transformed himself into a product and that he can't help but market himself.  Make no mistake, this book is the literary equivalent of an infomercial that is selling debt-counselling advice. In fact, at certain points, one almost expects to see a 1-800 number at the bottom of the page accompanied by a two-for-one special that will give the reader a special gift (but only if the readers acts now by buying another of Bach's books). That being said, it is also true that this book contains a lot of common sense, and that it can be quite useful for anyone who is having problems getting their financial house in order. So before we make too much fun of this REALLY IMPORTANT book that will help you become DEBT FREE FOR LIFE we should also recognize that it does contain a lot of good advice.

3 out of 5 stars

The RESP Book by Mike Holman

Mike Holman has produced a very useful handbook that explains the intricacies of Registered Education Savings Plans (RESPs). From how much money can be invested into an RESP, to how much grant money an account can receive from the Government of Canada, to excellent tax advice on how to withdraw money once the RESP beneficiary enrols in a post-secondary institution. What happens if the beneficiary decides not to have a post-secondary education? This book clearly explains the consequences of this scenario, while offering good advice on how to minimize your tax bill and any penalties.

This easy-to-read book should be studied by anyone who wants to open up a RESP for a child, young relative or family friend. Its practical advice (which can easily be digested in an afternoon) provides great tips that can be used for the entire life of an RESP account.

4 out of 5 stars

Financial First Aid for Canadian Investors by Michael Graham, Bryan Snelson and Cindy David

Imagine that you are at a dinner party and a guest starts talking in a slightly annoying voice. Given that you are interested in the subject matter -- i.e. how to improve your investment portfolio -- you ignore the awkward speech and concentrate on what is being said. After about 10 minutes, you must admit that the speaker knows what he is talking about, and that some of his advice is quite useful. As the evening progresses, however, you can't overlook the occasional cliché, nor hide the fact that your fellow guest sometimes sounds like a professor reading a dictionary. At the conclusion of the evening, while driving home, you recall some of the insights that you heard, and agree that the speaker made several excellent points. But then you remember the annoying voice, his sometimes rambling babble, and those weird moments when he would refer to himself in the third person.

Reading this book is a little like listening to such a dinner guest. On the plus side, Financial First Aid offers many great tips on how to improve as an investor. From what questions to ask when picking a financial advisor, to a good summary of the different strategies that an investor should engage in when buying stocks, bonds, insurance and other financial products, there are many useful parts to this book. I also appreciated the chapters that outline the common errors that investors make, the strong tips on how to research a company, and the practical summary on what fees investors have to pay when investing, and how to minimize these fees.

This good advice, however, is undermined by an occasionally annoying writing style. In too many parts, the text reads like a newsletter rather than a book, which is made worse by a weird tendency of the authors to refer to themselves in the third person. I understand that the use of the third person is sometimes necessary when a book is written by multiple authors, but when overdone (as in this case), the result is a tone that comes across as part-cocky and part-schizoid.

If you want to read a useful book that contains practical advice for the Canadian investor then this is a good choice. But if you do read this book, be prepared to be annoyed by the occasional boilerplate statement, some chapters that read more like a power point presentation than a book, and the overuse of the third person.

3 out of 5 stars

Stop Working, Here's How You Can by Derek Foster

Want to retire at 34? Investor Derek Foster found a way to do so by investing in solid, dividend-paying stocks. The story of how he managed to quit working at an age when some people are only starting their careers is a fun read. It also helps that the book is written in an informal, easy to read style that contains several good investment tips.

Among the book's many attributes are the following: good advice on how to research companies before investing in them; strong suggestions for which companies to invest in; a clear explanation of why it is so important to have dividend paying stocks in your portfolio; and interesting insights into how taxes work. (In a nutshell, the book explains how income from dividends or capital gains attracts a much lower tax rate than employment or tax income. The book therefore argues that one should rely as much as possible on investment income in order to pay less tax).

After reading this book I was left with a high opinion of this author. Some further research, however, led me to discover some things that were quite ironic. For instance, this book, which was published in 2005, strongly argues for the buy-and-hold approach to stock investing, i.e. one should NEVER sell their stocks once purchased. Nevertheless, in February 2009, Derek Foster broke his own rule by selling all of his stocks in order to move to cash. As well, his original philosophy of buying dividend stocks and then holding them forever was a little misleading, as he also owned Income Trusts which are a different beast than large-cap companies that pay dividends.

As the warning at the beginning of this book makes clear, one should not take the advice in this book literally. On further reflection, one can find problems with the investing advice that is being espoused. That being said, as a purveyor of strong general concepts of how to invest, this is a good book that provides a lot of valuable suggestions, and for that reason it is worth the read.

4 out of 5 stars

What Color is your Parachute? (For Retirement) by Richard N. Bolles and John E. Nelson

Saving for retirement is often presented as a strictly financial question. In this interesting book, the authors make the point that a happy retirement contains multiple elements, (e.g. where you plan to live; how to have strong friendships; what hobbies / activities will you continue to do once you retire) that should also be taken into account along with financial concerns.

Notwithstanding the strong thesis of the authors, as I am only 36 and nowhere near retirement, I skimmed through the more "holistic" parts of the book and concentrated on the sections that deal with financial advice, in particular the first six chapters. In a very convincing discussion, the book begins by pointing out that the traditional pillars of retirement -- i.e. social security, employer pension plans and personal savings -- are becoming increasingly wobbly. The metaphor that is used is of a formerly solid three-legged stool whose legs are consistently being cut-out from underneath. Though this book is from the United States, this analysis will ring true for many Canadians.

This book offers good advice on how to better prepare for retirement in the future. This includes suggestions on how to become a more efficient saver, to tips on how to avoid many of the marketing tricks that are used in the retirement "industry".

4 out of 5 stars

Smoke and Mirrors by David Trahair

This is an excellent book that should be read by all Canadians who are interested in saving for retirement. Offering practical and straightforward advice, David Trahair tackles several myths that are put forward by the financial industry. Among the most important is the ubiquitous mantra that you should: a) start making RRSP contributions as young as possible; and b) maximize your contributions throughout your life. However, as convincingly argued out in the book, this strategy has important financial consequences that could actually cost you money by the time you retire. That is why instead of maximizing your RRSPs, the author advocates a strategy of optimization, i.e. calculate the right amount of money that you should put away in RRSPs, and then use the rest to pay down such things as consumer debt.

Another good section of the book explains why tax shelters can often cause more harm than good, and why trying to escape the tax man can sometimes be counter-productive. Then there is the discussion on why you may not need as much money as you think to retire, as well as an excellent chapter on why paying down your mortgage quicker is something that all homeowners should do. Some people, the author notes, think that by cutting down on restaurants, lattes or indulgences they can add to their bottom line. In reality, paying down your mortgage faster is not only a better move economically, but it could also allow you to continue enjoying the little things in life.

With practical exercises and honest advice this book is a must read. I throuroughly enjoyed it and highly recommend it.

5 out of 5 stars

Squirrel Seeks Chipmunk by David Sedaris

This book could have been brilliant. Similar to the classic Aesop's Fables, this collection of short stories contains a series of tales involving animals. Written with wonderful humour and at times brilliant insight, this book -- like the famous stories of Aesop -- is a study of human nature told through the form of animals. One story that particularly stands out is "Squirrel seeks chipmunk," which not only serves as the title of the book, but also offers a delightful analysis on relationships, and how the reality of past romances can turn into myth in our own heads with the passage of time.

Unfortunately, the brilliance contained in this book starts to fade by the end. For instance, in "The Grieving Owl," the second last story in the book, the narration devolves into sheer stupidity. Instead of insight, we are left with juvenile scatological humour -- and not even funny scatological jokes at that -- that undermine the first few wonderful stories. This lamentable progression soured me on this collection and left me shaking my head in disappointment. This could have been a delightful book, which is why the final portion was so upsetting.

3 out of 5 stars

Gifts by Ursula K. Le Guin

Among the impoverished clans of the Uplands are people with wondrous gifts. Some have the power to twist a limb, others to destroy living things, and then there are those who can call animals on a whim. These magical clans, however, live in desolate farms, while being under constant fear that their neighbours may use their gifts again them.

In this bleak world, two young people who have been friends since childhood decide not to use their gifts. The first is a boy, who decides to wear a blindfold in order to prevent his eyes, which can kill with a mere look, to see the light of day. The other, a girl, refuses to use her power to call on animals as she doesn’t want to participate in her village’s hunt. In this wonderful story by a master of science fiction, we learn how it’s possible to forego power, while being reminded of the difficulty of growing up.

4 out of 5 stars

The Graveyard Book by Neil Gaiman

Three members of a family of four are murdered by a man named Jack. Before he can kill the final member (who is a young toddler), the little boy escapes from the house and toddles up a hill to a graveyard. The spirits who live in the graveyard are surprised to see a child in their midst, but sensing that something is wrong decide to take action. Following a flurry of discussion, a childish ghost couple adopt the boy and call him Nobody. Thus begins the story of Nobody Owens, a little boy who is raised in a graveyard while hiding from the man who has set out to kill him.

Nobody, or Bod for short, lives a strange existence among ghosts, supernatural creatures and other peculiar characters. As he grows up in this surreal environment, he begins to build friendships with the dead, living and those who are neither. In time, he not only learns how to read and write, but also how to fade away so he can't be seen, as well as how to haunt the living. Amidst this strange upbringing, he begins to track the man who tried to murder him, and in the process discover the secret of why he was almost killed.

This highly original novel by the creator of the Sandman comic book series, won the 2009 Hugo Award for Best Novel and the Locus Award for Best Young Adult novel, among other prizes. It is exquisitely written and a joy to read. That being said, if I had one complaint it's that I felt that the story ending was a tad forced. This relatively small bump, however, can be overlooked from what is in general an excellent work of fiction.

4 out of 5 stars

Dies the Fire by S.M. Stirling

This could have been an excellent novel. The story begins with a strange electrical storm that causes all electrical devices -- radios, cars, televisions, telephones, appliances, computers etc. -- to stop working. In the ensuing chaos, a group of survivors in Oregon begin to adapt to the new "medieval" reality, as they adjust to a world in which modern civilization has collapsed.

While some people are seeking to create farming collectives to survive, others decide to raise armies in order to take control off the  newly formed farms. These parallel developments lead inexorably to conflict and at times a captivating tale.

Unfortunately, Stirling couldn't help but fall in love with his own book, with the result that the reader is inundated with a tonne of unnecessary information. One of my favourite science fiction writers uses a technique called, "killing your babies." In effect, this technique teachers writers how to eliminate parts of a story that do not assist in advancing the narrative, but which the writer has difficulty in letting go because they have become so enamoured with their characters. Stirling should have used this technique in this book, and this novel is filled with a ton of screaming "babies" that should have been edited out from this book.

In a nutshell, this otherwise excellent story is undermined by countless pages of unnecessary description and rambling scenes. Far too often the reader has to plough through extraneous pages that should have been edited out. In fact, by the end of the book, finishing this novel had become painful as I was thoroughly bored with the book. Which is a shame, as this story had the makings of an excellent tale.

2 out of 5 stars

Rasl: The Drift by Jeff Smith

A bruised, beaten man stumbles across a desert, as the boiling sun hovers overhead. Mumbling about the "drift", the man suddenly appears on a window ledge of an an apartment. We then discover that the man is an art thief, as he breaks into the apartment to steal a Picasso painting. As the story unfolds, we learn that the man is called Rasl, and that the "drift" is a way to travel between parallel worlds.

Being the opening volume of a comic book series, the reader is left with a flood of questions: Where did Rasl come from? Why is he being chased by a strange looking man who is following him from parallel universe to parallel universe? Who is Rasl working for? This opening graphic novel does not answer these questions, but it's intriguing story line does leave the reader with the desire to pick up subsequent issues in order to find out what the answers are.

3 out of 5 stars

Flowers for Algernon by Daniel Keyes

This science fiction classic is a brilliant book. When the story opens, we are introduced to Charlie Gordon, a mentally challenged man who is about to undergo an operation to increase his intelligence. As the novel progresses, we watch Charlie make remarkable progress in a very short period of time, as his experimental treatment leads him to a genius-level IQ.

His increased intelligence, however, comes at a steep price, as he quickly discovers that many of his so called "friends" from his earlier life where in reality making fun of his mental handicap, while the doctors who are responsible for his treatment see him as a mere human version of Algernon, the laboratory mouse that was first experimented on before the human trial. Amidst this existential angst, Charlie discovers the mysterious of love, the uncertainty of being human, and -- by the end of the book -- utter fear as he learns that his newfound intelligence is destined to dwindle away.

This book is a stunning literary work that deserves its title as a modern classic. With an innovative style and unforgettable characters, Daniel Keys has created a story that readers won't soon forget. This book is a great read for anybody who loves literature, not just science fiction fans.

5 out of 5 stars

The Full Cupboard of Life by Alexander McCall Smith

One of the most delightful literary works that I have recently stumbled across is the No. 1 Ladies' Detective Agency series. Set in Botswana, the adventures of Precious Ramotswe not only present an uplifting vision of Africa, but also tell the stories of a wonderful set of characters that are positive, kindhearted and interesting.

That it why I was so disappointed with this dud of a book, which is the fifth installment in the series. To begin with, the main mystery to be solved (i.e. a rich woman hires Precious to check on the backgrounds of some possible suitors for marriage) is a bit ho-hum. The character development and story flow, meanwhile, lacks the sparkle that made the earlier books such a gem to read.

Now it is true that certain parts of the book are enjoyable, such as Mma Potokwane's unconventional idea of having a fundraiser for her Orphan Farm through a parachute jump. With great skill, Mma Potokwane is able to convince Mr. J.L.B. Matekoni into jumping from an airplane, only to have Rra Matekoni (through the clever assistance of Precious) convince his older apprentice to jump in his place. Then there is the question of when Mr. Matekoni will finally marry Precious after such a long engagement.

These flashes of fun, however, are undermined by a book that is, to be frank, a bit dull. Not much happens in this fifth installment of the series, making it by far the weakest novel of the first five. When I finished reading this book, I couldn't help but compare it to a poor episode of an otherwise excellent TV series. In other words, I definitely won't "watch" this book as a "re-run," but I will certainly continue with the rest of the series.

2 1/2 of out 5 stars

Another Day by Harvey Pekar

A few years ago I watched the film American Splendor, an intelligent and award-winning biopic on the life of Harvey Pekar, who is best-known as the creator of the comic book series of the same name. Starring Paul Giamatti as Harvey, the film introduced me (as well as tens of thousands of other people) to this groundbreaking comic book series.

I always intended to read American Splendor, but for one reason or the other (e.g. work, travel, reading other books) I always put it off. Finally, after several years, I picked up a copy of Pekar's Ego and Hubris, a work that is not related to American Splendor but which I simply loved. This book inspired me to go to my local library where I picked up Another Day, which contains a series of short-stories, sometimes only 2-3 pages long, that are illustrated by different animators.

This collection of stories revolve around ordinary events in the life of Harvey Pekar in the aftermath of the release of the film American Splendour. Whether it is performing simple errands like going to the post office, listening to friends discuss their jobs, or driving through a snow storm to pick up his foster daughter Danielle, this book is an honest, unvarnished view of daily blue-collar life in Cleveland. What makes this comic so interesting, however, is how simple (some may even say mundane) events are transformed into high drama.

With that in mind, if I had one complaint with this book is that some of the stories were too short. Instead of letting the characters and situations breath, too often I felt like I was reading whimsical thoughts by Pekar that quickly disappeared into the air. On the other hand, reading this collection of stories made me realize why Pekar became an underground comics star so many years ago, and why he has received so much critical praise. It also convinced me to finally go and read the American Splendour series cover-to-cover.

3 out of 5 stars

The Kalahari Typing School for Men by Alexander McCall Smith

Precious Ramotswe didn't know how to react when she first learned that a new detective agency had opened across town. It wasn't that she was against having competition (she was fine with that), no, it was the smug, arrogant and -- to be perfectly blunt -- sexist attitude of the new agency's male owner.

While having to face the condescending competition, Precious has to tackle a series of cases. There is the man who wants to make amends for his past sins, and who hires Botswana's leading female detective to help him do so. Then there is the wife who is convinced that her husband is cheating on her, which leads to a discovery that shocks the kindhearted Precious.

Amidst this detective work, Mma Makutsi, the earnest and bright assistant of Precious, conceives of the idea of opening up a typing school for men, where businessmen can learn the "secretarial" skill of typing (which is very useful for those who work with computers) while in the safe company of other men. With this entrepreneurial spirit, Mma Makutsi is able to overcome some of her financial hardships.

This is the fourth installment in the No. 1 Ladies' Detective Agency series, and like the previous three books I enjoyed this story a lot. That being said, if I had one complaint with this novel it is that it starts off fairly slow. In fact, by around page 40, I was starting to get bored. Soon after, however, I was drawn into the story, and was reminded why I enjoy this series so much. With simple (though clever) writing, McCall Smith discusses serious themes -- e.g. sexism, orphans, an indirect reference to the AIDS epidemic -- while presenting warm, intelligent and honest characters.

3 1/2 out of 5 stars

Bottomless Belly Button by Dash Shaw

After 40-years of marriage, Maggie and David Loony inform their three adult children that they are getting a divorce. As part of a final reunion, the family gathers at their parents beach-side home for one last time. Dennis, the eldest of the three children, brings his wife and baby son. While trying to understand the reason for his parents' breakup, he ends up gaining insight into his own marriage. The middle-child Claire, meanwhile, struggles to assert her own identity after undergoing her own divorce, while raising her teenager daughter Jill, who is also at her grandparents house. Finally there is Peter, the youngest son, who is overcome by feelings of being an outcast, something he has felt all his life. To symbolize this feeling of being different, Peter's character is drawn with a frog's head. His feeling of alienation, however, is soon shaken up, when a chance encounter with a woman on the beach blossoms into an unexpected romance.

This graphic novel left me with mixed feelings. At its best, the story comes across as an incredibly honest portrayal of a family, to the point that parts of the book seem like you are flipping through an intimate photo album. Some panels are particularly moving, and certain stretches of the story contain beautiful artwork. On the downside, certain sections of the story felt like scenes from a pretentious art film, with overly dramatic landscape shots and panel combinations that seemed to sigh, "look at my, I'm so deep."

By the final stages of the novel, however, the positives started to outweigh the negatives. What started out as a shrug of my shoulders (especially in the beginning, when I felt very little connection to the characters, and some of the artwork came across as weak), soon changed into strong interest, as I eagerly turned page after page to see how the Loony family story would play out. To summarize, this story did not make a good first impression on me, but with each page that I turned (this graphic novel is more than 700-pages) the story got better and better, and the book was even more impressive when I re-read parts of the story line.

3 out of 5 stars

Morality for Beautiful Girls by Alexander McCall Smith

Precious Ramotswe knew something was wrong when her fiancé, Mr. J.L.B. Matekoni, stopped going to his garage, while mumbling about the horrible things that he had done in his life. Worried about this strange turn of events, Mma Ramotswe soon discovers that her beloved is suffering from depression, and that his condition is more complicated than she first thought.

While dealing with her love's unexpected problem, Precious is hired by a Government Man to investigate the allege poisoning of his brother, while her assistant detective, Mma Makutsi, is busy looking into the moral character of the final contestants in a beauty pageant. In the middle of these adventures, a strange boy is found in the wild, without a name or apparent family, which leads some to think that he may have been raised by a pack of animals.

In this third installment of the No. 1 Ladies' Detective Agency series, the reader is able to continue their "friendship" with Mma Ramotswe, the lovable proprietor of Botswana's only female detective agency. With positive and life affirming stories, this volume touches on such issues as mental illness, the abuse that some domestic workers undergo in Africa, and the ability of women to rise up in the traditionally male business world and be first-rate managers. While not as captivating as the first two books (which were very good) this novel is still quite enjoyable, with its heartwarming characters and excellent writing. By the end of the book, I wanted to continue reading the series, so I could find out more about life of the affable and kind Precious Ramotswe.

3 out of 5 stars

Empire by Orson Scott Card

I once knew a person who only watched movies that were rated two stars or less. From his perspective, a movie isn't a forum for engaging in serious discussion, but rather a simple form of entertainment that shouldn't be taken seriously. Using this viewpoint, I would hazard to guess that this person would have enjoyed this book.

Empire is a work of speculative fiction that asks the question, "if civil war were to break out in the United States between Conservatives and Liberals, what would it look like?" If you take this book seriously (something that I wouldn't recommend) then you run the risk of being pretty disappointed. On the other hand, if you ignore the political rants and enjoy the action, then this book is OK.

The novel revolves around two army officers, Major Malich and Captain Coleman, in the aftermath of a terrorist attack that leads to the assassination of the U.S. President, Vice-President, Secretary of Defence and several other people. Following these assassinations, a left-wing group led by a thinly-disguised George Soros takes over New York City and claims that it is the legitimate government of the United States. The resulting chaos leads to armed conflict and, depending on your point of view, a fast-paced action thriller, or a literary mess that contains mindless conservative babble.

In my opinion, this book has numerous, numerous flaws. First, the characters are so wooden you could crack them in half. Then there is the dialogue that comes straight out of a Rambo movie. The historical references, meanwhile, seem more like a high school essay than insightful analysis. On the plus side, I found the pace of the book quite good and the action very enjoyable, if you like big explosions and lots of shooting.

This book won't win Orson Scott Card a PhD in political science or history, nor is it a particularly believable vision of a civil war in the Unites States. What it does accomplish, however, is provide a fun action story that appeals to those who like video game-like entertainment.

2 out of 5 stars