Last night dh and I plugged in some numbers to the tax program. I don't have my T4 yet so there were a lot of guesses. With me being off of work and getting paid by a third party, yet my employer pays me the third party funds...good grief! It is one big ol' cluster of who paid what, income tax on what amount, pension, union dues...painful. It looks like will be getting a refund because I didn't make a big wage like I have in years past. In fact my salary dropped by $30k. Every 2 weeks for the last year I have been grateful that I have had no mortgage money leaving my account. We don't live an extravagant lifestyle, nor do we lack anything. Slow and modest keeps you in the race!
Speaking of pains, Jane I have an old version of something on this puter so I can't comment on your blog :( . http://lifebeginsatretirement.blogspot.ca/ I too know C6 radiculopathy well, 14 months and counting... I have a bulging disk at C6-7 and 2 more lower down. I fully endorse acupuncture and gentle physio (where she slowly lowers my 1st rib and stretches my neck out) I've also started my 13th new med and this one seems to work with only a bit of drowsiness as a side effect. Finally the ache in my arms is gone, fingers are still numb, neck still stiff but not like it was. I may start the juice thing!
I did some work with my RRSP's. There were some that I took out of the "high risk" mutual funds and had moved into a short term GIC a couple months ago. They are due on Wed. After phoning my bank 4 times over 2 days and never reaching a human being, just a difficult to understand voice message that was not left by someone with an understanding of English, I said screw it. They, for some reason can't get back to me within 7 hours. (Yes I am calling the real bank and not a call center in who-know-where.) Yet when you physically go to this bank there are always employees standing around or jack-assing around behind the counter with no customers in the bank. Nobody is smart enough to say "hello" and answer the phone when it rings. Good-bye C!BC, Hello CWB.
These guys answer the phone! A real person that talks to you! You can get in to meet with someone when it works for you!
I've decided to keep these RRSP's in a GIC for 2 years, now with CWB. Yes, there is a $50 fee to transfer. I will make it up with a better rate. And they have a promo on now that you can "scratch and win" a rate increase. I got an extra 1/4% on the posted rate. Not huge, but better than nothing, and will more than pay the transfer fee.
After plugging in my approximate tax numbers you get the little hints at the end. Well it looks like I will carry over my RRSP contributions into next year. It doesn't make tax sense to use them for 2012 with my wage so low. Now that I'm full time again (still lower than before b/c no overtime) I will use them for 2013. The return that comes in will go towards the LOC that has the 2 vehicle's on it and some towards home improvements. I am guessing that a new roof will be around 7k and doors ? maybe 2k. Roof first, and worry about everything else after.
What else is happening... Oh yes, I'm now old. As declared by my 6 yr old! I went to have my eyes checked as I do a lot of computer work now. I need reading glasses. I can still see to read quite well but after 4-5 hours of staring at the screen things start to blur! I thankfully am fully covered by dh's insurance for the exam and the glasses. I'm going to pick out a pair today as I could barely see from the drops they put in at the appointment. Also taking the 3 kids to get there eyes checked too. Kid #1 is 18 and is covered under the x's plan. He needs new glasses (not that he will wear them!) grrrr! Kid #2 and #3 are free exams because they are under 18.
My Grandma is doing really really well since the bad episode at Christmas. After taking her off of a crap-load of pills she was taking but didn't need, her mind is clear! She was a joy to talk to this weekend. I love my Grandma and not just because she calls me "Such a clever and pretty girl"! She is so happy that I'm working again and that dh has a job now. She always prays for me and wants me to be healthy again and happy and successful.
What else is happening... Sharon has a new address now: http://midlifemommusings.com/
I will fix my sidebar...
The Good Things...
tax returns!
CWB
medical insurance for pretty glasses for "an old mommy"
my gram
Things that suck...
getting old
pains in various places
my parental units
4 comments:
Carla @ 1/2 dozen daily had mentioned a great website in CAN to buy prescription glasses very affordably. I think you can find her post somewhere in her blog, so I'd totally recommend that. Since doing some research after her post, the only thing I regret was paying full price from my Dr's office for glasses, when I could've gotten 3 pairs for the same price. Though it may not make much of a difference since your insurance covers all. You're lucky! Good luck picking the glasses for you and the kids.
I'm also getting old! Why are birthdays so much less fun when you pass 30? :-)
Looks like you've solved the commenting problem so YAY! Funny how you can comment with one device and not another. Electronics are so complicated these days! Yes tax time is rearing its ugly head around here too. Am really hoping that with some income-splitting between Michael and I this year we can get back some BIG BUCKS! I guess that makes us a real couple now that we're admitting to the gov't that we are living together!
I've been "old" for a couple of years now. :)! So glad your Grandmother is doing better. Sometimes meds can really do a number on your brain!
Hopefully, your back will start feeling better soon. Baby steps, I guess.
Thank you, thank you, thank you for letting people know about my address!
Good luck with the taxes! Hoping for a BIG refund!
Post a Comment