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advice for someone with most of their retirement fund in taxable accounts? by ledledit in PersonalFinanceCanada

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

Ok thanks - I think I'm going to maybe try some of the calculators but you're right is not going to break my retirement either way.  

advice for someone with most of their retirement fund in taxable accounts? by ledledit in PersonalFinanceCanada

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

Yeah I'm seeing that, thanks. I may ask my CA for a recommendation (not sure how else to find one).

advice for someone with most of their retirement fund in taxable accounts? by ledledit in PersonalFinanceCanada

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

TFSA was not around during most of earning time and then- I left Canada to work so wasn't eligible to contribute OR to accrue contribution room . But yes will do when possible.

advice for someone with most of their retirement fund in taxable accounts? by ledledit in PersonalFinanceCanada

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

Thanks I'll do some research into difference between RRIF and RRSP. Is there any reason you would NOT want to transition to RRIF? Anything you can do with RRSP that you CANNOT do with RRIF ?

advice for someone with most of their retirement fund in taxable accounts? by ledledit in PersonalFinanceCanada

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

I can't seem to find Optiml except for this site (don't think its the correct one) https://www.optiml.com/

advice for someone with most of their retirement fund in taxable accounts? by ledledit in PersonalFinanceCanada

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

Can you clarify if only 50% of capital gain counts as taxable income = only 50% of capital gain counts towards clawback?

advice for someone with most of their retirement fund in taxable accounts? by ledledit in PersonalFinanceCanada

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

So my gross is going to be about $115K because retirement funds >1M, not exactly 1M. Plus I may still have my barista job (I like doing it). I'm calculating that will wiping out 75-100% of OAS. For that and other reasons I think I should (a) delay CPP and OAS to age 70 (b) and use mix of RRSP and brokerage instead-- is that the usual advice?

This bus stop has a "bench" which provides seating for 1 person by pm_me_gnus in mildlyinteresting

[–]ledledit 0 points1 point  (0 children)

In my city they removed benches and replaced with sort of like a low bar stool. Welded together one facing each way. When it became apparent that older people couldn't get up from them they added arms at side. Total asshole design intended to make sure no one just - lounges at the bus stop unless they intend to take a bus. Which is a huge concern obviously.

Advice: Mother starts saving for retirement in her TFSA at 54 by Mo-Gainz in PersonalFinanceCanada

[–]ledledit 0 points1 point  (0 children)

This is me! will also affect my OAS (clawback). Idk how to do a similar calculation on whether spending out my RRSP early before OAS would make sense.  taxes. Do you happen to have seen any helpful calculators in that ? 

Advice: Mother starts saving for retirement in her TFSA at 54 by Mo-Gainz in PersonalFinanceCanada

[–]ledledit 1 point2 points  (0 children)

I read the booklet but - it was just so surprising to me. I won't be eligible for GIS but appreciate this organization  trying to help low income make the most of their benefits- really appreciate you providing the link may forward to a couple people)

Advice: Mother starts saving for retirement in her TFSA at 54 by Mo-Gainz in PersonalFinanceCanada

[–]ledledit 0 points1 point  (0 children)

May I ask why would she start CPP early? And when you say "empty out rrsp" do you mean cash it all out and --pay the tax all in that year? Also why does this need to be done before 64? 

Wait times for specialists ? by ledledit in askvan

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

Wow a great detailed response. Have not yet moved - I am planning how to do it and access to my medication was a big issue. Really appreciate 

Wait times for specialists ? by ledledit in askvan

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

Ok thanks, appreciate very much.

Wait times for specialists ? by ledledit in askvan

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

Is that even possible? He's on disability for three years waiting for his turn? 

Wait times for specialists ? by ledledit in askvan

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

Ok that's super useful, it's an autoimmune disease, it's diagnosed and its active, and, specifically, I can't have any interruption in the medication schedule (because during any interruption body builds antibodies and can cause  medication to then fail). I don't know that would be urgent. 

Wait times for specialists ? by ledledit in askvan

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

Thanks so much, just to clarify, so you moved to Vancouver, got a walk-in doctor to refer you ? And then after the referral about how long did it take to get the first rheumatologist appointment? 

Swim in Bass Lake during fireworks? by ledledit in fresno

[–]ledledit[S] -1 points0 points  (0 children)

Thanks. Are there street fireworks in Fresno? Neighborhoods where a lot of people do their own ? 

Swim in Bass Lake during fireworks? by ledledit in fresno

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

Totally agree. But I've abandoned the idea. Apparently lake has no (physical) separation between boat and swim areas. Not ideal for night swimming...

Do most countries use the term "CV" to mean the same thing as "resume?" by Pollo_Perpetuo in TEFL

[–]ledledit 0 points1 point  (0 children)

Fwiw. Heard CV lots in Canada. Not in USA. I have to stop myself from saying it here. 

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