Today's Random Thoughts

Sunday, January 16, 2022

The days sure seem to get away on me. I wish the time would have went by as fast while I was in school! It's been a long winter and cannot wait till it's warmed up enough that we can take our RV out . Gerry still needs to go for his angiogram, and because we didn't do anything all winter, my hurt back only seemed to have gotten worst. With the cold and the lack of walking like I usually did all summer and most of Fall till things went bad with him. I started on back pills as I couldn't sleep in the bed without getting out and getting back spasms, and besides the lumbar stenosis, have a swollen and bruised back which pulls more to one side. Have tried pills, and creams and exercises.. Even expensive Reikki treatments- which I find were very short lived, in terms of doing much. I had held out hope. Tried heat, try cold, everything! Tomorrow I am getting a virtual physio session from a physical therapist from the city. I am booked for a one hour session for $120. I was suppose to go to the one at the hospital in town, but a week has gone by and been no call for me. I even called the hospital myself and left messages with no calls back. On Tuesday I have an in person doctor visit. I do know I have the lumbar stenosis but it's more trying to figure out the bruise, the lump and the jolts I get in my back without back pills. I also have a rotary cuff injury that's been lingering with me for at least 3 weeks. Some days were most frustrating.. and let me tell you, aging sucks! My poor mom as well has been waiting and waiting for a hip replacement, and suffers daily. With the backlog due to Covid, when will they ever catch up?? If anyone has lumbar stenosis, or had a rotary cuff injury I would love to hear from you.

For now we haven't been doing much but waiting for winter to be over- and in up north Canada, it takes a bit longer than everywhere else to go away!

Retirement in Canada – How Much Do I Need To Save Before I Can Stop Working?

Thursday, January 13, 2022


Retirement isn't what it used to be in the past. Then, there was a certain retirement age where people retire. But now, people are worried about how much they have in their savings. Else they'll have to work even after their retirement age to keep up with expenses. That's why many young people aspire to save up a nest egg that is significant enough to support them through early retirement. This guide would educate you about retirement calculators, how to use them, the best ones, and how much you need to save before retiring early in Canada.

Retirement Calculator

A retirement calculator helps you understand how much you will need to save to reach your financial goal by the time you retire. If you are 25 years now and you currently earn $300 monthly, the calculator would forecast what age you'll reach your financial goal or how much more you need to earn and save before you reach financial liberty by your retirement age. It displays your current financial picture and forecasts your future financial situation.

Top 5 Retirement Calculators That You Need To Use

Managing your money so that it would sustain you throughout your life is very important. This is why retirement calculators for Canadians are the best tools to use when planning when you can call off work. Luckily many financial companies set up retirement calculators to help their customers and other Canadians prepare better for three days ahead. So here are five (5) of the best retirement calculators you can use to speculate how much you need to save before your retirement while in Canada.

Money Mentors Retirement Calculator

Money Mentors is a financial company that is about helping Canadians stay away from debt compilation. They are situated in Canada and have a 24/7 customer service team. Their online retirement calculator is to find out how much more money is needed to save for a surety and secure retirement. The parameters you need to use their calculator include your current age (which should be above 14 years and below 90 years). Other things that are required to be submitted include age for retirement in Canada, gross annual income, percent of income to save, expected income increase, current retirement savings, years of retirement income, and so much more.

Wealth Simple Retirement Calculator

Wealth Simple is another business that has a free retirement calculator for Canadians that wish to calculate their retirement savings. Their calculator helps users know how much more to save for retirement before the retirement age mark. To get started using this tool, you would insert your current financial picture (which includes your age, how much you make per year, and how much is in your savings. Other parameters include the province of residence, expected annual retirement income, and marital status.

Financial Mentor Retirement Planner

With a Financial mentor, you can calculate how much you need to save to reach your goal, how long your money will last when you spend a certain way, and how soon you can retire. Although, the interface seems to be very straightforward, they can be complex when calculating an advanced retirement plan. With Financial mentor, there are three levels of retirement calculator:

1. Simple retirement calculator which would require basic information like current age, are you plan to retire, life expectancy, and so on.

2. Conventional retirement savings would include current total savings, desired annual retirement income, desired estate at death, monthly savings contributions, and so much more.

3. Advanced retirement planning includes advanced spending inflation adjustment and post-retirement income streams.

Sun Life Financial Canada's retirement calculator.

This is another calculator that helps forecast how great or not-so-great your finances would be after retiring early in Canada. The sun Life Financial Canada's retirement calculator is slightly different from the rest in that it allows you to a savings goal toward your retirement age. It then breaks down your income and current savings so that you can meet the goal.

Personal Enhanced Retirement Calculator (PERC)

PERC helps you get retirement income for life so that you can get more without having to save more. It allows you to estimate how much money you can suck out of your finances, income, and asset while in retirement. PERC cannot be used by just anyone. It is best for those that are already within 20 years of retirement or are already retired. PERC as with the other calculator is also free.

How much do I need to save before retiring?

There is a general idea that guides how much you need to save before you retire. To continue the kind of life you were living or to successfully maintain the same or a similar lifestyle to that which you had before, you'll need about 70 - 80% of your current salary saved up. Let's use numbers. If you normally make about $500,000 yearly, you would need 70 or 80% of such amount saved in your retirement wallet to maintain the kind of life you lived before retirement.


Finances are the bedrock of a comfortable life among other things. After long years of working non-stop, a man deserves to rest while he is old to spend time with his family. That's why it is not just a good idea to plan towards retirement but also a necessity. A retirement calculator might not be a professional and official document but it can be used to view and plan toward your retirement savings. Now that you know 5 great retirement calculators you can use in Canada, start saving toward your future. If this article has been helpful for you, share with your friends and family so that more people can be aware of the importance of retirement savings.

Roller Ghoster - The Great New Game to Play When Staying Warm Indoors

Tuesday, January 11, 2022


Are you looking for a new cool and exciting game to play while you stay warm indoors as the temperature drops outside? 

It's time for the annual ghost race in Roller Ghoster, with players racing to climb to the top of the ruined mansion first! But, beware; the guests inside the house will roll objects at you and the other players. 

From Schmidt's Drei Magier line, Roller Ghoster teaches children risk management by using a mechanic similar to Fireball Island. Players can choose the inside track as they race to the top, which is longer but much safer from flying objects. Or, players choose the outside track which is a faster path to the top - but a much heavier risk of being hit by a flying object and returning them to the start.

Each roll, players twist the top of the tower releasing marbles that fly down the mansion toward the players ghost meeples as they try to climb to the top. Will you choose the safe and slow path, or trade speed for a risk of collision?

Ages 5+
2-4 Players

Happy New Year- 2022!

Saturday, January 1, 2022

       Wishing all our family, friends and readers, a very healthy and happy 2022!


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