WeednFeed

Wow that was from a day gone by! Here is another oldie but goodie! From early 1963!

Hello again. Long time no see.

Guess what I did? I said the perps got my Social Security number, I meant to say SIN Social Insurance Number. I’m Canadian and the SIN is what they got. I do have a LEGAL Social Security number but won’t explain that here.

In my case I never had a computer back in 2002, never bought on line but these folks got a hold of my Social Security number some how and used that to apply for the 2 credit cards. They changed my address to somewhere in upper Canada. I have no PROOF but several months before this happened an Investment Company had several of their Computers stolen containing personal information from several thousand people. Although I did not invest with these people I did give them all my personal information so they could draw up an investment portfolio for my wife and I. Maybe it's a coincident but some piece of SHIT got my info and used it. In Canada we have 2 Credit Bureaus that totally control everyone's credit rating. These Bureaus are the folks who say yea or nae on all applications for credit in Canada. If you apply for loans, montages, or credit of any kind these people have to OK it. TransUnion and Equifax are the names. One of these is also used in the USA. These guys set your Credit Score and Credit Rating. My Advice is GUARD your credit with everything you got! Everyone should check your credit rating in these places every several years to keep an eye on SUSPICIOUS activity being done in your name. Good luck

Wow, in 2002 someone stole my identity. They got a $3000 credit card, charged it up payed it off then the bank increased the credit limit to $10,000. They then charged over $7000. until the bank stopped the card. I was on the phone 6 hours the first day canceling and protecting everything I had. They actually got a second card but couldn't use it. Twelve years later they tried something again but couldn't get anything. I protected my credit rating and no one is allowed to apply for credit in my name without a picture ID and in person. Scary stuff.

So sad and really 72 is young in today’s world. My deepest sympathies to you and your families. Wayne

Thanks Duc. Much appreciated

Has anyone else not been able to post on this site from an Apple device using Safari? It warns of too many redirects?

Wonder if anyone else has this problem and can help? I can no longer post topics from my iPad containing pictures. The message I got was Safari HAD TOO MANY REDIRECTS Any ideas? I now have to email my pictures from iPad to my pic just to post. Wayne

Last Friday I decided to take my white bread recipe and change it up. I used brown sugar to prof the yeast and molasses instead of regular sugar. I added 2 cups of 7 grain cereal and 1/2 cup of raisins. I increased the water in the recipe to allow for the grains. Very happy with the results.

Didn’t realize you were from Toronto, that’s really sad lol! hahaha I’m from NB. Four of my siblings live in Ontario.2in Orilia, Kemptville and Ottawa

Thanks lol

Do you pressure can or hot water bath the mason jars to seal them and make them last longer?

They’ll be fine. Soon enough they’ll be destroying us in our own servers. There will always be someone younger better and faster. I presume they will be at the top of the scoreboard soon enough.

I hope you have that appointment ASAP to have this looked at.

@Merlin007 This post STINKS!

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!