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How can Patrick, 61, and Ted, 60, successfully blend their finances?
2025-04-29 05:45:03| Spiritual Career Counseling
Open this photo in gallery:Patrick, 61, and Ted, 60, became a couple later in life. They have no dependents and live mortgage-free in a Toronto condo valued at $850,000.Now that we are both retired, it seems a good idea to integrate our finances, Patrick writes in an e-mail. Theyd like to know how best to maximize our respective savings into joint ones and minimize the tax implications.Patrick receives a defined benefit pension of $89,000 per year. Ted has no pension but has substantial investment savings. Their joint retirement spending goal is $122,700 per year after tax, adjusted for inflation.Short-term, their goals include a major home renovation ($25,000), international travel ($10,000 for one big trip and $5,000 for one or two smaller trips annually), and eventually replacing their car ($40,000).We asked Andrea Thompson, a certified financial planner and founder of advice-only financial-planning firm Modern Cents of Toronto, to look at Patrick and Teds situation.What the E...
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Employment
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Bruno Fernandes move underlines what Ruben Amorim thinks of Man Utd right now
2025-04-29 03:45:04| Spiritual Career Counseling
MAN UTD 0-1 WOLVES: A much-changed Manchester United XI slumped to their 15th Premier League defeat of the 2024-25 season, with eight of those coming at Old TraffordAfter the late drama of their epic Europa League comeback against Lyon, this was always going to be a let-down for Manchester United. Nothing could come close to matching that nine-goal thriller, which saw United score three times late in extra-time to reach the semi-finals, with the hosts predictably falling flat here after the euphoric delirium of that historic night. Wolves took full advantage of United's European hangover, courtesy of a stunning 77th-minute free-kick from substitute Pablo Sarabia, who had only been on the pitch for three minutes when he made the breakthrough. For Vitor Pereira's side, this was a fifth successive league win, their best run since 1970, and ensured they completed a first league double over United since 1980. Defeat for United means they have now lost 15 times in the league this season, the...
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Employment
Freeloader Friday: 74 Free Things To Do This Weekend - Racket
2025-04-29 03:45:04| Spiritual Career Counseling
Freeloader Friday is your weekly guide to having fun no matter what your budget looks like. Each week we have a list of 100% free events like gallery parties, music, and films in the park, as well as free admission events like special happy hours, markets, and more. For our picks of the week's best events, price be damned, click here.Red Lovely, Time Room, The Dregs10 p.m. 331 Club, 331 13th Ave. NE, Minneapolis.WaterdogWith Deer Skin, Valors. 9-11:30 p.m. White Squirrel Bar, 974 W. Seventh St., St. Paul.Thor Leseman and the BreadwinnersSinger-songwriter Americana/rock. With Ida Metsberg. 6-8 p.m. White Squirrel Bar, 974 W. Seventh St., St. Paul.The PhilBillies7-9 p.m. Urban Forage Winery and Cider House, 3016 E. Lake St., Minneapolis.Trailer Trash8-11:30 p.m. Schooner Tavern, 2901 27th Ave. S., Minneapolis.Life on a String7 p.m. Padraigs, 945 Broadway NE, Minneapolis.The Other HotBox: A Drag & Burlesque Show Thats High as HellWatch stoned performers onstage! Bring dollar bills for ti...
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Employment