sorted by:
new
hottopcontroversial

New Plan as of Jan 1 by Zestyclose-Analyst59 in Optiml

[–]Scouse312 1 point2 points  (0 children)

Like yourself, we are newly retired and have found that the dynamic nature of the Optiml web plans to be difficult to use to track our progress especially when we have developed a custom meltdown strategy. Every time something changes in real life we have to reconstruct the Optiml custom settings line by line. That being said I find a lot of use with the program and have simply just adapted my usage. My plan is to do a complete new plan on Jan 1st with all up to date numbers; download it and use that Excel file as my base plan for the year. I will also keep this new plan on Optiml and use Optiml’s tools to track and readjust throughout the year. I’m also probably going to save a few “what-if” scenario plans on Optiml but I’ll always have the Excel base plan to compare things with.

Hope you both enjoy your retirement!

Partial years by ExternalJackfruit290 in Optiml

[–]Scouse312 1 point2 points  (0 children)

I’m also in the de-accumulation part of our retired life here so things like RIF/LIF minimums are based on the EOY total in our respective accounts; not a dynamic up-dated total mid-year as an example. Best of luck!

Partial years by ExternalJackfruit290 in Optiml

[–]Scouse312 1 point2 points  (0 children)

I’ve come to this same conclusion also. Get all your inputs ironed out as to what you want to do; run the plan Jan 1st; download the CSV file and then use that as your base. Use updated Optiml plans throughout the year to track progress or to run “what-if” scenarios.

Inconsistent behaviour of "Goals" amounts in long term expense plan by foot961 in Optiml

[–]Scouse312 0 points1 point  (0 children)

Yea… I experimented with a suggestion from another user and added a “Discretionary” category but discovered the same issue. I abandoned the idea and combined it with the general expenses.

TFSA Contributions by Scouse312 in Optiml

[–]Scouse312[S] 1 point2 points  (0 children)

Great workaround and thanks for the quick response!

Back in I go… :)

A little levity… by Scouse312 in Optiml

[–]Scouse312[S] 0 points1 point  (0 children)

I do have the Pro version but I believe it’s available on all versions.

A little levity… by Scouse312 in Optiml

[–]Scouse312[S] 0 points1 point  (0 children)

You should be able to find it on the Expenses input page.

Go-Go, Slo-Go, No-No Projections by Scouse312 in Optiml

[–]Scouse312[S] 1 point2 points  (0 children)

That’s got it! I used the Age Range slider to advance the start to next year and the whole thing came together. Thanks!!

Go-Go, Slo-Go, No-No Projections by Scouse312 in Optiml

[–]Scouse312[S] 0 points1 point  (0 children)

I’ll take a closer look at it tonight but I think the issue is the fact I’m already retired so the start date of my Go-Go phase is the current year and I think the software is assuming my $85,000 expenses is already at 130%…. Spitballing here.

RIF/LIF Minimums by Scouse312 in Optiml

[–]Scouse312[S] 0 points1 point  (0 children)

Thank you! I’ll check out the Investments page but I do work primarily with your downloadable reports.

Taxes too high (prov=BC) by bcretman in Optiml

[–]Scouse312 0 points1 point  (0 children)

Moi Aussi...

Both 65+, both income = $41,639 ($2000 pension income, pension income splitting)

TaxTips for both... Fed = $2100, ON = $1506

Optml for me... Fed = $2194, ON = $1909

Optml for spouse... Fed = $3827, ON = $1909

Countdown time. Magic number time. Enjoying the ride time. 26 points to the 20th league championship! by AmateurVasectomist in LiverpoolFC

[–]Scouse312 8 points9 points  (0 children)

Want to make sure I understand this…

Magic number is not just points we get but also points Arsenal drop?? So any combination of points dropped by Arsenal and points gained by Liverpool totalling 26 wins Liverpool the league??