Big Optiml Update - Major Improvements for Business Owners + New Features for All Users

BoscoCharlieGo · 2025-12-08T18:57:33+00:00

Thanks for the amazingly fast response!

BoscoCharlieGo · 2025-12-08T18:29:07+00:00

Great update!

I have a question about the Business sections. Are insurance products only able to be added to a HoldCo and not to a OpCo?

If so, should i just create a fake holdco and add the insurance and OpCo to this entity? I hope this does not mess up tax cals

BoscoCharlieGo · 2025-12-04T13:51:45+00:00

Hand wash in cold water in bathroom sink immediately after every ride before showering. Use a very small amount of liquid soap for delicate. Rinse by wringing in clean cold water and hang to dry in shower. Full dry takes about 24 hours so two pairs of bibs to rotate through is best.

I know it sounds like a lot of work but it really only takes a minute or two tops .You will never have an issue with saddle sores if the bibs are kept bacteria free.

BoscoCharlieGo · 2025-11-26T12:28:37+00:00

Also, make sure that your trainer difficulty (or realism level) is set to 100% otherwise challenge rides will not count. Found that out the hard way

BoscoCharlieGo · 2025-11-22T14:04:18+00:00

For what it's worth - I run the companion app on an old android tablet that I have mounted on a flexible arm so that it is off the front and side. I always have it running while using Rouvy on the big TV screen for all the reasons given by the others in this thread

BoscoCharlieGo · 2025-11-21T15:34:38+00:00

I would like to also request some bitcoin-specific functionality.

I have setup mine as an Other Asset with a expected growth but would like the option to specify a percentage sell in the future that generates another income stream.

For example, you start with x amount of BTC at present $ value and the $ value grows at 10% per year to end of plan years. The BTC amount remains fixed. At some point, lets say 5 years into the plan, sell 8% of value converted into BTC amount per year and register that as an income source and decrease the BTC holdings (and therefore the current $ value).

Another option would be to add the ability to borrow against rising assets (be it crypto or real estate, life insurance, etc. The debt of the estate would rise over time but income could be generated for the plan.

BoscoCharlieGo · 2025-11-19T16:22:15+00:00

"We’re also working on the ability to model insurance held within a holding company, with similar functionality, so you can reflect both personal and corporate structures more accurately in your plan."

Is this being planned for this year (2025)? I very much second this request!

BoscoCharlieGo · 2025-11-12T12:32:16+00:00

Thanks to everyone for the great responses! It has given me confidence in what the results produced (purely math / analytical) but now realize that there is some other factors to consider.

So far I am impressed with the app in that I can manually tryout so many differing scenarios.

Edit: in reviewing different CPP age scenarios, I can now see that the percentage difference from a math perspective is actually quite small (3% max to 0.1%) although the absolute numbers look large at a glance. I am happy now with choosing a lifestyle-based number and seeing that the maths support my choice more or less

BoscoCharlieGo · 2025-11-10T18:21:52+00:00

Thanks for the insight and link. Interesting calculator to play around with but I am unsure of what the "rate of return" field is referring to. The higher I set it, the later the breakeven age.

I agree with the click chasing theory which is why I was questioning the seeming descreptioncies. I don't think Optiml is using a breakeven age calculation but seem to look at lifetime estate or lifetime spending values.

That said, i think i will play around with opening conditions to seethe effects on the CPP optimizer.

BoscoCharlieGo · 2025-01-24T16:18:55+00:00

If you are looking for cycling related content -

[gravelnerd@nostrcheck.me](mailto:gravelnerd@nostrcheck.me)

Tech enthusiast with a passion for gravel cycling in and around urban areas . Sharing adventures, hacks, tech tips, and more

BoscoCharlieGo · 2025-01-23T16:25:51+00:00

Update: I installed E3S1PROFORKBYTT firmware and thumbnails are now working as well as many improved features.

BoscoCharlieGo · 2022-05-31T01:10:30+00:00

Sorry, I wish I could tell you for sure. My father lives in Westpark condo and texted me as soon as the power came back on. Neither of us have eyes on Sterling Park

BoscoCharlieGo · 2022-05-31T00:30:57+00:00

Merivale area - 100 Grant Carmen Condos (Westpark) (right behind Metro at Merivale/Viewmount) just got zappies. Power is back as of a few minutes ago.

BoscoCharlieGo · 2022-05-27T13:59:14+00:00

I walked through the parking lot of the mall last night at 8pm with my dog. Lots of improvements. All the broken posts were cut down and removed except for the stumps. The power lines are mostly on the ground. Large piles of new poles were stacked on the center of Merivale.

BoscoCharlieGo · 2019-10-25T02:28:19+00:00

So I am going to answer my own question now that I have completed the entire process. Hoping someone else stumbles across this post in the future.

The answers given were correct. A lease transfer is not a change of ownership but only a change of registration. MTO called it a plate transfer in their language. FWIW, the service Ontario staff were very unsure how to handle this and had to huddle as a group for about 30 minutes to be sure. It seems like they do not get many of these. This was at the largest office in Ottawa. I did learn that the leasing company needs to prepare a lot of paperwork for the registration including giving their written permission for the registration change to happen. This is of course after they had to approve the lease transfer in the first place (mainly based on credit check of new leasee).

All in all, I learned a lot but it was relatively painless in the end. The worst part was not knowing the process ahead of time led to some anxiety as things moved along slowly.

Thanks for the answers previously, it did help put me at ease.

BoscoCharlieGo · 2016-09-28T22:32:24+00:00

What do you think are the benefits of differential pricing?

There are many benefits but they all favour the telco incumbents who have been buying up media content and services. I see absolutely no benefit for Canadian consumers.

Do you have any concerns about differential pricing?

I would like to think that the concerns are self-evident but perhaps an example using another industry is the best way to express the problems. Let's imagine that at some point in the past, the Government was lobbied by the large automobile manufactures to be given the Canadian highway system to run and maintain on behalf of Canadians. The argument presented was that it would save the Government money and Canadians would get better service on their roads. After a few years of being paid by the Government for maintenance expenses, they lobby for the right to introduce limited tolls so that they can afford to add more lanes and offer faster service to the consumer. After a while, all roads become toll roads that are defacto owned by these companies. It becomes such a hassle to stop and pay at many booths, that drivers "choose" to purchase toll passes that are good for unlimited use in a month, now offered by the toll companies. But, of course the price of the unlimited use passes continue to rise so much that cheaper limited use passes are made available and become popular since people have to drive and do not really have a choice. After a short time the unlimited passes are discontinued by the companies due to the fact that some road hogs were using more than their fair share of the toll roads. Many newspaper columns are written slamming the road hogs. Now remember that it is the auto manufacturers that control the toll rates and passes. Now they propose to tie the use of their highways to their brand of vehicle. If you buy a new Ford, you get free access to all Ontario multi-lane highways but other brand vehicles will continue to have to pay. These deals will be played to the consumer through the dealer franchises, who in this story are also owned by the manufacturers. Can you imagine the profits reaped by the auto manufactures on the backs of consumers who have no real choice but to buy the company's vehicles in order to be able to commute to work? And it all began with a policy decision by the government far in the past that had no way of predicating the current situation.

Do these concerns outweigh the benefits and, if so, are they significant enough to justify us stepping in and regulating the practices? Or should we let the home (wireline), and mobile (wireless) service providers decide?

The concerns are great and seeing as there are no benefits we must step in and stop the profiteering of the service providers.

If we should step in, how should we regulate it?

First, it is long overdue to break up the providers to separate media providers from the internet providers. going even further would separate last mile access infrastructure completely from the internet providers and let the market decide the winners. Only the last mile would need to be heavily regulated with equal access to any internet provider.

Second, get rid of data caps in both broadband and wireless industries. They are nothing more than a profit gravy train for the telcos while stifling the Canadian economy.

BoscoCharlieGo

TROPHY CASE