WeednFeed

Wow you have to move on from those Brady Bunch FANTASIES! You’re stuck in an alternate dimension. Have you been smoking some of @DEXTER’s stash lol. Welcome to the forums. Nice introduction.

That avatar is Greg Brady with a beard lol! Just a year after the Brady Bunch went of the air lol.

Great find!

Welcome to the forums. Try and stay away from the FACE plants. Sorry you had to experience that. I believe I’ve played against you a few times, because I thought how could a kitten be such a nasty killer? Great job lol

Everything I posted is very specific to certain individuals. If you have two incomes and two pensions in the household it is VERY UNLIKELY you will qualify for the OAS Supplement. The single best thing to do is MAKE SURE YOU HAVE A GOOD INVESTOR! The investor you pick should have your best interest as they're number 1 priority. Too many investors have greed in their eyes and look at their clients as a BIG PAYCHECK. You as a client need to remember this, the MONEY YOU ARE INVESTING IS YOUR MONEY! The investor needs to understand this from day 1. You have right to fully understand what the Financial Institute and investor are making in the way of fees. If the investor can't explain everything to you clearly then walk away. You also must investigate everything they tell you and you must fully understand the risks. If you don't understand then lock your money up in a safe place like GIC's until you understand what you are investing in. Too many people have been duped into bad investments.

Just to add about the TFSA everyone is limited to the amount they can put in per year since it’s inception. That amount today if you turned 18 in 2009 or before and did not invest any previous amount you could invest a max of $75,000 in one lump sum in 2021. I only wish I had it lol!

Yes you are correct in order to take advantage of the RRSP you need to make a descent wage. The single best thing to do in order to take advantage of the OAS SUPPLEMENT is to RETIRE EARLY BEFORE 65! Withdraw as much of that RRSP as you can for several years before 65. If you do it that way you can take out $42,000 for you and $42,000 for your wife at 24.68% tax. Take as much of that as you can and invest it in TFSA Tax Free Saving Account. Now you have a nest egg. Then after 65 only take out enough money from your RRSP to qualify for the OAS supplement!. As you need more $$ through the year take from the TFSA. TFSA the tax has already been paid at the lower rate of 24.68%.

Well we got paid today the CPP deposits are in the bank Wohoo! In Canada we have 2 GOVERNMENT pension Plans, CPP Canadian Pension Plan or if you live Quebec the QPP. These 2 plans are co-pays. Meaning the employer and employee pay into it your entire working career. It is directly proportional to the amount you make up until a MAXIMUM AMOUNT PER YEAR. These plans can be taken at 60 years of age at a reduced rate. If someone chose to take it at 60 and another took there’s at 65 the two individuals would have the same amount at 72 years of age. That is if all the contributions over the previous years were equal. There are other contributing factors that would change things but for this post they need not matter. The second GOVERNMENT pension is OAS Old Age Security! This is a set amount from the Canadian government EVERYONE gets the same starting out at age 65. This pension can be drawn back depending on your total income. So if you were a person who made good money all your life were thrifty and saved for retirement and accumulated a nice nest egg or if you worked for an employer who had a great pension plan The GOVERNMENT of Canada will REDUCE THE AMOUNT OF OAS you are entitled to. I will be 64 this May and I’ve been receiving my CPP since a month after my 60th birthday at the reduced rate. My wife receives a smaller amount as she only worked outside the home before our daughter went to school. The wife will receive her OAS this fall a month after her 65th birthday. Yes weed married an older woman. She tricked me with her 38 DD’s 22waist 36! I’ll receive my OAS In June 2022. Bring it on! If someone had to live of these 2 pensions they would be living on a minimal amount so the OAS would be topped up by what the Canadian Government call the Old Age Supplement again this would be a meagre existence. So there for it is of the utmost importance to have some sort of savings if a person is to have a retirement beyond watching tv and looking at 4 walls. I fall into the group of people who have no employer/employee pension plan. I did however work as an electrician all my adult life and managed to save a few dollars in a thing we call RRSP Registered Retirement Pension Plan. This is a plan put in place by the Canadian government. This is the SINGLE BEST WAY FOR THE AVERAGE Canadian to save for retirement if he or she has no other pension besides CPP or OAS. Every dollar put into RRSP is tax free UNTIL it is taken out. I normally paid about 45% taxes on every dollar I made. So if I made $100 I paid $45 tax. So if I put this $100 into RRSP I actually invested %100 if I paid the tax on my money I could only invest $55. The whole idea is to ONLY take this RRSP money out after retirement at a lower tax rate. My tax rate now where I’m not working anymore is 24.68%. So essentially I made 20% on my money simply by DEFERRING THE TAXES on that money. Now if you were smart where you invested your RRSP contributions over the years you would have made more money towards retirement. The single best way for someone in Canada to save for retirement is the RRSP! Sadly some folks never get the opportunity as they are stuck in loop of life just trying to survive on a minimal wage.

Baked potato and a crusty roll both with copious amounts of REAL BUTTER would top it off!

lol playing hard to get EH? We at XI are glad you made the right choice!

Every once in a while we put chocolate chips in our Banana bread. We means my wife!

WOW very glad to hear this great news! I hope you can relax a bit, you deserve it. Wayne

Wow I thought you arrived the same time I did? Congratulations on 6 years! Well being so young you would have been in the Junior Members back then! @WldPenguin Wayne

Congratulations on the 10 pin!

His appetite is improving and he is sleeping better. Dialysis tomorrow. Thanks for all the kind replies. Wayne

Thanks everyone! We know no one lives for ever. We just ask for him to be comfortable and his mind to be free of worry. When he sees my Granddaughters he lights up.

These are my granddaughters 5 and 2! God’s gifts to me.

First let me say thanks a bunch for all your prayers, wishes and kind thoughts. We really do appreciate them all. Dad has been having Dialysis since December he started out once a week but now is up to twice a week. It was very hard on him the first 7-8 times. He was sick to his stomach for 2 days after each treatment. As you can imagine he is quite scared. He has decided not to go forward with the home dialysis as it is quite complicated and at 88 and mom 85 it would be too much for them to handle. Every time the Doctors ask him about his wishes to continue he tells them he has TOO MANY Great Grand babies to love and he's not going anywhere. We have had the most amazing conversations about family, love and life's experiences. At 88 he's seen a lot, although he is exhausted and is now having a little trouble concentrating his mind is pretty sharp. The last 3 treatments have been a lot easier on him and he is now sleeping better and his appetite has returned. Again thank you all! I love my Dad! If you love someone please tell them. Wayne

I would NEVER click on a link of this type! Just saying lol!

We’ll add her and all of you to our prayer list. Wayne

Welcome to the forum a1rbud. We enjoy having you play on our server. Except the part where you kill me so much!

Here is the link I used, I am moving my Origin Games now. The Link also explains how to move Steam games as well. https://www.pcmag.com/how-to/how-to-move-pc-games-to-a-different-hard-drive Thanks CW4 have a look at the link I found. I've already moved the pictures no problem and have started moving the Origin Games asper the link. Works perfect. I'll also move the Steam games later. Thanks Wayne

Ok may have found this myself. Origin has a VERY SIMPLE solution to move games to another hard drive. Right click on the game select move to then select the drive. Already moving 2 of my games. Seems like the games will load slower but the play will be the same.

Hello I have a 1TB SSD as drive C and 1TB drive D HD. The SSD only has 68G of free space and the D drive has over 800G left. A;; my photos are on my D drive all my games are on the SSD. All this is on Windows 10, everything is up to date. I also have the windows office which takes up a lot of space but I'm sure must stay on the C drive. Can I move my games to the D drive I have several games I never use but everything always got to the C drive. If I can move them how would I do this? Thanks Wayne

Awesome looks great!