The rationale is that in most cases, a 60 year old has higher expenses than an 85 year old, and most of those extra expenses relate to enjoying life like travel, dining out, a new car, etc. For the 85 year old, they often don have the ability or desire to spend more money so having a higher monthly CPP is great, but they may not be able to spend it.We also believe that when it comes to Government Pension Plans, you never know for sure what changes are ahead, so there is some merit in taking money today.This retirement decision could be worth $72,000, but few Canadians take advantage of itWhen the paycheques stop is when the anxiety hits: Don’t let the fear of spending ruin your retirementHaving the luxury of knowing our clients and their full situation makes it much easier to provide specific advice, but here are our general factors to consider when deciding to take CPP (and OAS) on a deferred basis:Do you need the cash flow at all at the moment? Will the added cash flow make any difference to your month to month lifestyle? If yes, then +1 for an early CPP. If no, then 1.
The Clippers will never be a contender with this group. They just aren’t that good. Every year they think they are a contender but they aren’t. I don even need to tell you about hot buttered corn on the cob or new potatoes simply dressed with gobs of butter and dill. Like me, you likely already devouring these vegetables in copious amounts, and rightly so. They won last forever, and I know that in just a few short months I wish I still had pots of tomatoes and cucumbers just outside my kitchen door.
Wasn exactly an unknown commodity before he got to IMG although the Florida school has undoubtedly raised his profile. Playing for Nike Baltimore Elite this summer put him on the high major radar. Miles teamed with Mount St. The Honest Men were held to a goalless draw at Hampden by League Two side Queen’s Park.But United couldn’t see off Queen’s Park in the lottery of penalties, as the home side won 4 2 on spot kicks.Michael Rose and Lawrence Shankland scored but Andy Murdoch and Alan Forrest failed to convert.Here are three thing we learned from the match:1. Liam Smith is a solid addition: The full back only put pen to paper with the Honest Men this morning, but he already looks like he belongs.He was overlapping constantly, linking up well with Ayr’s frontline and whipping in dangerous crosses.Smith, who made last year’s Championship Team of the Season, was a bright spark in relatively dull match at Hampden.2. Ayr looked lost without a Michael Moffat and Lawrence Shankland partnership upfront: Despite fielding an attacking lineup, United created very little going forward.(Image: SNS Group)Shankland was eventually brought on in the second half for Craig McGuffie, and immediately showed how much he was missed through his physicality and his desire to make things happen.But his usual strike partner Moffat was sorely missed, as his vital link up play was evidently absent.3.