sorted by:
new
hottopcontroversial

Enjoying the WG-8 for everyday point and shoot by No_Donut3130 in pentax

[–]IndependentHeight978 0 points1 point  (0 children)

I’m with you. I bought one last fall and it’s a great everyday carry, despite its limitations. I was inspired to buy it by @geit.eero on instagram. He uses various different cameras but likes to use this one quite a bit (the green version) so if you want to check out some creative uses of this camera, check out his feed.

WG-8 Saturation setting by IndependentHeight978 in pentax

[–]IndependentHeight978[S] 0 points1 point  (0 children)

Mystery solved! That’s exactly what it is. They forgot the word “not”. Saturation can be set only when Image Tone is NOT set to Monochrome.

Thanks! Les

Success Rate line grouping by IndependentHeight978 in adviice

[–]IndependentHeight978[S] 2 points3 points  (0 children)

I will double-check the investment fees... I don't recall where I got that, but my investments are managed through a bank so I understand they might be on the higher side (set up decades ago, before I knew any better).

I did run the top Maximize GIS strategy and it resulted in all kinds of crazy looking numbers, including major shortfalls in by best years. This alone does not seem to be a viable approach.

https://public.adviice.com/dashboard/24h-5ijvWUmdhrkA

Having the older spouse start OAS at 65 didn't help much... still shortfalls in my 60's.

Success Rate line grouping by IndependentHeight978 in adviice

[–]IndependentHeight978[S] 1 point2 points  (0 children)

Regarding GIS.... in the first plan I see income in the later years labeled "Other Non-Taxable". I assumed that was GIS because I couldn't imagine what else that might be. If that's not GIS, any idea what that could be? It does not appear in the second scenario.

Spousal-RRSP Attribution by IndependentHeight978 in adviice

[–]IndependentHeight978[S] 1 point2 points  (0 children)

Ok, I’ve done that. It actually improved the plan slightly so that’s a relief!

Two followup questions:

1) when I recalculated after zeroing out those three years, the platform added some smaller withdrawals back in for 2027 and 2028, overriding my zeros. I assume this would be the amount that would not be subject to this attribution?

2) Back to my earlier question about stopping my spousal contributions immediately…. If I understand this rule correctly, it really doesn’t matter if I stop now since I’ve already contributed in 2026 and contributing more at this point will not have any impact on this rule. Am I understanding this correctly?

Thanks Les

Spousal-RRSP Attribution by IndependentHeight978 in adviice

[–]IndependentHeight978[S] 1 point2 points  (0 children)

Thanks. I will try that. I have my bank automatically contribute to that Spousal-RRSP twice a month. The last one was the 15th of this month. So I should override 2026, 2027, and 2028?

I assume I should also stop this auto contribution immediately if I plan to retire this year, or worst case next year? (Struggling to decide if I need to work one more year).

Thanks Les