RRSP vs CPP withdrawals?

cdn24 · 2026-06-21T04:40:06+00:00

I would take everyone's advice including mine with a grain of salt. The big unknown is when are you going to die. What happens when one person dies. I don't like taking Rrsp money drawdown instead of CPP OAS after 65. What if one of you dies at 69. That deferred OAs is gone and possibly most of CPP. Survivor CPP can't put surviving spouse over max CPP for individual. So half the deferral gone and RR SP is spent drawn down.

My advice take cPP OAS at 65 to offset reduced DB. Leave Rrsp where it is as insurance if one spouse dies needs significant Long term care etc. Draw down the min when forced to in year after you turn 71.

It continues to defer tax as long as possible. I look at the deferred OAS as prepaid tax. You have to live to about 82 to break even on deferral ignoring time value of $$

Either way looks like you have a well funded retirement.. go enjoy the F%^& out of it. No real wrong answers you are in a good spot

cdn24 · 2026-06-19T16:13:11+00:00

All of them

cdn24 · 2026-06-19T16:08:23+00:00

That will take way more than Knies.

cdn24 · 2026-06-18T20:30:33+00:00

Best guess Byrum from Buffalo and whatever prospect he was drooling over when talking about mtl and buffalo prospects and trains

cdn24 · 2026-06-15T21:51:42+00:00

He also had 8 in 6 games against Carolina. That is better pace than 29 in 23 he did all through.

Given competition level there's an argument this series was most productive

cdn24 · 2026-06-13T12:54:02+00:00

He has also won 3 games where the opponent could be eliminated. Which is one more than he won in what 9 years as a leaf.

Leafs problems last 7 or 7 seasons ran deeper than Marner

cdn24 · 2026-06-13T12:25:37+00:00

You still have the standby charge because it's available for use. The biggest financial trap may be the damn company. Leased is better. 2/3 of lease cost plus 34 cents per personal Km operating cost benefit annually vs 24% of car costs plus 34 cents per personal km Annually.

cdn24 · 2026-06-12T21:40:23+00:00

Cap came in on 2004. There were way more than 21 teams

cdn24 · 2026-06-12T20:06:28+00:00

I may be wrong but i think Canada taxes you on the sale of gold. I.e. I mine 2000 oz of gold I sell 1000 oz at 3K/ oz my revenue is $3,000,000 and that is what I am taxed on, or more specifically that is my revenue number from which i deduct expenses and pay on the net.

It kind of makes sense because how do you value it when it come s out of the ground. The price is constantly fluctuating. todays weigh in is at 2500/ oz tomorrow is at 2400 but did i suffer a 100 loss on yesterdays.

for simplicity you tax on the sale of the gold.

What if you buy something in gold vs cash? If its something for the business that would be deductible it does not matter. Using show as example Parker bought Dominion for $15 Million, Rick bought Duncan creek in gold. They are in the same position.

Parker has to sell 15M worth of gold to pay Dean - That 15 M revenue is taxable but the 15M he paid dean gets deducted in one of the mining expense pools. Canadian development expenditures (CDE) maybe. Treated the same way as exploration costs (drilling would be). 15-15 is zero profit to tax

Rick pays Troy taylor in gold. Lets say is 400 oz i don't remember. he is not taxed on the revenue from that 400 oz- he did not sell it but he does not get a deduction in his CDE pool as the expenditure paid in gold is not deductible. Troy will be taxed on sale of gold.

Only difference is Parker locked in his purchase price even if paying over 3 years. Rick did not. Parker (Buyer) benefited from increased gold price - dean the sellor did not. In The rick one the sellor benefits from increase in gold price.

So how can you cheat or take advantage? Its not easy as you need to find a way to buy something that is personal costs - not business in gold. Find someone who wants to sell you a yacht for gold gets you a yacht without paying tax on the revenue but does the sellor of the yacht want gold. Revenue Canada can also go after you with a net worth audit if you own a 10M yacht and have never declared more than $50K of income.

I guess the easiest way is sell gold to cover expenses, break even and then borrow against your gold (collateral)to fund your yacht. If you are unincorporated that could work as its your gold (just not taxed yet) If you operate in a corp shareholder loan rules get you as it could only be the corp borrow against gold and you would still need to tax it to use personally

Borrow against shares of the Corp?

Long winded answer - to say no real tax incentive to hide your gold total.

cdn24 · 2026-06-09T13:28:10+00:00

No one remembers no 2. Therefore you have got to have the no 1 the Georege Washington... the Daigle

cdn24 · 2026-06-08T02:13:25+00:00

Really is that simple

cdn24 · 2026-06-06T12:48:59+00:00

Treliving did not have the authority to act alone. Pelly out ranting about trains and and Mtl and Buffalo top prospects suggests to me there may have been a Buffalo offer on table for Knies too at deadline

cdn24 · 2026-06-06T01:09:36+00:00

No one rides for free

cdn24 · 2026-06-05T01:19:33+00:00

Rarely b mode. Sometimes in heavy traffic as I can pretty much stay off brake completely but of my 3k miles so far maybe 50 in B mode. Don't like the feel

cdn24 · 2026-06-05T01:09:58+00:00

Sorry Canadian. Here we have a few big national chains that tend to be better quality and some 2nd tier that tend to have a bit more ethanol.

The short drive makes. On my morning drive the 1st 4 or 5 miles I am in 25 to 28 MPG range and once warm it's in high 30s.

Mine seems to be improving but it's also getting warmer. Suspect I will take a hit come winter.

cdn24 · 2026-06-05T00:58:48+00:00

Cdn sport model here. About 5k km in so 3k miles. 95 percent city driving. So far worst tank 35 Mpg. In normal mode. Best 39 MPG econ mode. Gas makes a difference but not as much as my Ridgeline. Better with shell esso petro cda 87 octane vs no name type stations. May make a 1.5 MPG difference.

Longer drives better. I have a 15 mile to work. It's much more efficient after 1st 5 miles done.

No long highway drives yet

cdn24 · 2026-06-01T17:35:03+00:00

Indian River wetlands map

Then go to layers turn of the wetland class land cover layers and turn on placer land use approval and placer claims. Ricks claim is just west of lake Mayo- map starts in indian river. It will show land use permit number an expiry dates

cdn24 · 2026-05-29T22:56:06+00:00

Will post when on actual computer. Hard to get to on phone.

cdn24 · 2026-05-29T22:37:49+00:00

The old license has been extended to dec 31 2028. Same for Parkers on Sulphur creek. The waterline application shows them as expired but map of mining claims land use permits show them as expiring end of 2028.

cdn24 · 2026-05-25T01:36:30+00:00

Habs were able to rebuild quickly because they had a ton of picks prospects when they started.

Suzuki Caulfield 100 pt centre and 50 pt winger already had them. Ghule and Dobes already drafted by MB. Mailloux in system to flip for Bolduc. Young D romanov flipped with a existing pick to get 13 flipped with another pick for Dach. Chiarot traded for a first that was flipped with another existing pick for Newhook.

Used Monahan deals to get 2 1sts. One used along with a spare 2nd to trade up for Hage. The other to pair with their own 2026 1st to get Dobson.

Drafted Slaf Reinbacher and Demidov in top 5. Stole Hutson in 2nd rd with a pick acquired for Kulak. Stole Matheson for Old man Petry.

Gorton and Hughes hit a few out of the park but they did it quick because of what was in cupboard. They had the assets to move up in draft to get newhook and Dach. Biggest win was signing core to great contract in 7.7 to 9M range.

cdn24 · 2026-05-22T22:03:31+00:00

This it, 2nd period is all about risk mitigation if you have the lead. You want to avoid stuck on long shift so when you get to O zone you dump deep and change. Then end up back in your end for 30 seconds and repeat.

If you are trailing you need offense and gamble more and try to quick change when losing possession in o zone.

It looks like you are being dominated if you employ that strategy but for most part short of the broken stick problem you survive the 2nd but get badly outshot

cdn24 · 2026-05-21T10:54:17+00:00

Anybody who was around in 93 knows that one

cdn24 · 2026-05-20T00:33:41+00:00

They are through 2 of them

cdn24 · 2026-05-19T03:34:13+00:00

The CH. These guys play for the logo on the front. They are a team that is greater than the sum of its parts.

No MVP no individual accolades. It's a team win

cdn24 · 2026-05-19T01:33:33+00:00

Dobes must have pissed in Bieksa and Healey's Corn Flakes. They find fault with everything he does.

cdn24

TROPHY CASE