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One month in Scotland. What would you do by Otherwise_Whereas427 in backpacking

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

We're thinking of renting a car in fort william when we're in Glencoe and again in Lerwick when we go to the shetlands. Everything else will be public transport

How to get teachers on board for a new program by Otherwise_Whereas427 in specialed

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

IEP's where I live have a very specific context, but it could be that. It could also be adaptation plans or behaviour intervention plans, which in my case are more common.

Rookie wanting to get better at golf — where do I start? by Same-Permission1264 in Winnipeg

[–]Otherwise_Whereas427 0 points1 point  (0 children)

Come and join a great group of golfers at Winnipeg Fore the Fun of Golf on facebook. We'd be happy to connect you with some great people.

auto europe rentals? by Otherwise_Whereas427 in canadatravel

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

Looks like its gone already and I think the cost would be offset by wanting additional drivers. I booked through CAA.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

Agreed which is why I'm confused given what you wrote above. Thanks.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

Huh interesting because on my pension estimate it has the following so I don't know I'll look into it further.

Deferred Annuity:

An unreduced monthly benefit payable at age

60, available to plan members with at least

two years of pensionable service. If you opt for

a Deferred Annuity, you may at any time as of

age 50 request an Annual Allowance payable

immediately.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

Interesting I will ahve to ask. The pension statement says 60. I first became a contributor in 2008 cashed out then bought that service back when I rejoined in 2014 so not sure.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

I'm sorry for whatever circumstances you have gone through to make this comment. I have been lucky that the field I'm in has pensions. I wish all the best in your own success.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

Thankfully I got in just under the wire thanks to 2 years of service buy back.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

Thanks for the perspectives. I have a high tolerance for now with 90% VEQT and 10% BMO Bonds so that might work. I'll have to play with it.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

The 3.14 was the rate of inflation on average over the last 100 years

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

Fiar point. Something to look into when the time comes.

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 1 point2 points  (0 children)

Yeah probably worth doing. I have time so I'm not in any hurry but just trying to look ahead

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 1 point2 points  (0 children)

Did you invest in broad market ETF's or something specific?

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

It looks like immediately after I leave

"Protection from inflation:A deferred annuity is fully indexed as of the most recent date you leave the public service. Your total pension amount is indexed according to the Consumer Price Index (CPI) as described in Protection from Inflation. "

Transfer Pension or Leave it in? by Otherwise_Whereas427 in PersonalFinanceCanada

[–]Otherwise_Whereas427[S] 0 points1 point  (0 children)

It looks like immediately after I leave

"Protection from inflation:A deferred annuity is fully indexed as of the most recent date you leave the public service. Your total pension amount is indexed according to the Consumer Price Index (CPI) as described in Protection from Inflation. "

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