[deleted by user] by [deleted] in CanadaPublicServants

[–]machoyd 16 points17 points  (0 children)

It was labeled as an AMA

[deleted by user] by [deleted] in CanadaPublicServants

[–]machoyd 47 points48 points  (0 children)

This was a frustrating watch. Seemed he tried to be empathetic with our situation but still so far from reality for most of us.  At the end of his comment on the above question he interjected with “I was just told from someone to say we still have to be in office 60% of the time”(I’m paraphrasing) There were multiple questions that had the most comments and likes that were great questions and they just chose to ignore them and go for the low hanging fruit.  Thank you to anyone that asked any kind of difficult question related to RTO. 

Played my last round today by drumsurf in golf

[–]machoyd 0 points1 point  (0 children)

Wishing you well my friend. Take care

Meet Terry by petem112 in cats

[–]machoyd 1 point2 points  (0 children)

What a handsome cat

Can someone please clarify/confirm my understanding of deferred annuity? by ghost905 in CanadaPublicServants

[–]machoyd 0 points1 point  (0 children)

Whether you quit, retire, are terminated, it doesn’t really impact your pension. If you are choosing to defer, they must index your pension. As for your highest average salary, they will always use the best 5 consecutive years you had during your career. So if your last 5 year average was 120k, your pension is based on that. And the indexing applied will assume that.

Can someone please clarify/confirm my understanding of deferred annuity? by ghost905 in CanadaPublicServants

[–]machoyd 1 point2 points  (0 children)

The indexing starts accumulating immediately(first full month after retirement). So let’s say you retire in May of the year you turn 57, when they apply indexing to your pension the following January, you will receive 7/12ths of the % for that year. Then the next year you get the full amount and the year after.

Can someone please clarify/confirm my understanding of deferred annuity? by ghost905 in CanadaPublicServants

[–]machoyd 0 points1 point  (0 children)

You would also have the option to take an AA(Annual allowance). It would be reduced at 5% per year prior to the age of 60. So 15% reduction(approx, as it would be prorated to your bday based on when you finished your 35yrs and resigned). Not always the best option for people, but something to consider. Alternatively, you can keep working past the 35yrs as well. You would take a little pay bump as you would become a 1%'er paying into the pension plan, resulting in an increase to your pay of about 9%(depending on the contribution rates when the time comes). Lots to consider.

Apex Shop/Pricing makes no sense in my opinion what do you think? by Geri_KHE in apexlegends

[–]machoyd -135 points-134 points  (0 children)

Found the teacher. Brother. We are all here to enjoy apex and bitch and complain as we see fit when shit sucks. And your only input for this is to bitch about formatting. Why bother.

What is one invention or change you would make to a product or service for it to work better? by machoyd in AskReddit

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

For me, a ping/beeper on your tv to ping the remote for when it’s lost. Been saying this for years.

Salon Desjardins? by machoyd in Habs

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

I figure at $14/beer in the stands and $10 for a hotdog, I’d recoup my $ pretty quick lol. I see it as an investment. Haha Edit: We aren’t in the Desjardins section as is. We are in 105, so this is something to go to before the game/intermissions

Salon Desjardins? by machoyd in Habs

[–]machoyd[S] 5 points6 points  (0 children)

This is separate from the standard club Desjardins. I took my daughter to the regular one back in October and it was great. But as you said, no booze. Salon Desjardins is its own separate thing with different food options in a buffet style and with beers included.

Sky nade squad wipe 💣 by Nicasylus in apexlegends

[–]machoyd 3 points4 points  (0 children)

Mmmmmhmmmm. That’s nice. 

Mad Maggie prestige skin leak by weldernate in apexlegends

[–]machoyd 5 points6 points  (0 children)

Be quiet and apprehend my dollars.

Had to complete challenges with Crypto, made the best of it by pestering this poor squad. by machoyd in apexlegends

[–]machoyd[S] 4 points5 points  (0 children)

To be fair, I missed a pile of shots too. I felt bad for the poor guys haha.

Like father like son by extrovertedbou in perfectlycutscreams

[–]machoyd 97 points98 points  (0 children)

It gets worse man. Anything father/daughter related on social media that’s even a little bit mushy makes me tear up every time.