If the decisions you make mean your character winds up in the worst case scenario i. The video offers helpful tips, tools and links and seeing real people dealing with these tough choices allows for some pretty interesting teaching moments, including:. My biggest issue with the whole interactive movie aside from the fact that Fannie Mae spent a bundle of taxpayer dollars to create it , is I wonder whether someone who is really in trouble will have the patience to get through the movie and understand how to apply the consequences to their own situation.
Will you play the online foreclosure game at WaysHome? If you do play it, please leave your comments about this cool tool on the blog. More on MoneyWatch:. Ilyce R. Glink is an award-winning, nationally-syndicated columnist, best-selling book author and founder of Best Money Moves , an employee benefit program that helps reduce financial stress.
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Quick links. Retirement readiness and Portfolio advice Preparing for life after work. I've run the CPP calcs with all work history till and no more contributions from onwards. AltaRed - as usual, thanks again for all the comments. Thanks again everyone! Re: Retirement readiness and Portfolio advice Post by rharvey » 31Mar can you build a simple spreadsheet in excel? They're US based and use US terms but provide plausible first approximations. The author is a long time poster at FWF. Nothing can protect people who want to buy the Brooklyn Bridge.
Re: Retirement readiness and Portfolio advice Post by longinvest » 31Mar Here's a simple calculation. First, I'll assume that one spouse will pass away, one day. Payments start at age The older spouse could pass away before 65, so there would be no OAS before the younger spouse reaches age Note that I'm ignoring the CPP survivor pension, but I'll ignore, too, that marginal tax rates on the single survivor retirement income will be higher than on the couple's retirement income.
I would invest the remaining in a broad-market bond index ETF. It should be easy, for a reader, to repeat the calculations for a different asset allocation. The VPW Table indicates a 4. This represents 4. But, unfortunately, markets go up and down. Around age 80, part of the remaining portfolio could be used to buy an inflation-indexed life annuity, to deal with the risk of living past age , the upper target of VPW.
But, that's me. I can't speak for others. I was wondering about retirement calculators. Thanks Norbert. I ran a simple scenario in Firecalc on home screen where it states "start here. Thanks longinvest for detailed calculations! I like the way you've built the scenario to be on the safe side Hope for the best, plan for the worst. I've been sharing this thread with my wife and it's given us a great perspective on what to plan for before we can completely quit working.
Also, the numbers give us solace that we're closer to the goal than ever! Thanks again! Expenses are only 50k, projected investment contributions are 20k. Even more so that 1. Where is the rest of the money going?
Agree with others that full retirement would be risky but, depending on circumstances and opportunities, matching sabbaticals could be entertained. Reducing workload as often mentioned previously also likely a good option. As for your question, the investments have been accumulated to-date while the contributions are "projected.
Also, we would like to at least consider substantial travel possibly expensive! Re: Retirement readiness and Portfolio advice Post by gobsmack » 01Apr Yet another calculator here. It may help you retire earlier by reducing your annual expense requirements. Downsizing is certainly an option and we'll look at it.
Moving to another city is an option but not sure how practical it is. We love the area we're in, have a decent social circle. Cost of living maybe a little cheaper somewhere else within the province but then the quality of life becomes a consideration. Haven't thought about moving to another province but that may be a non-starter as well. A quick update on our situation: 1. We've both switched to PT work and are much happier. The plan is to continue with it for the next years, earning at least enough to pay for the yearly expenses.
It has worked out ok for the current year already. Have had a chance to put together a simple IPS after reading the finiki. Working on simplifying the portfolio, liquidated some cyclicals but still a work in progress. Have been visiting the site regularly and am still learning a lot.
Wish you the very best. Keep in mind, my line of thought is not respectful of long established norms. I'm kind of a free range thinker along the lines of Forest Gump's slightly smarter brother. That's below the poverty level.
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CouchPotato essentially provides a Search Bar where you can search for all movies (past and future). It also has recommendation engine which. This book is targeted to beginner investors and/or couch potatoes who do not want to spend a lot of time in managing their investments. A UK investment firm has just released a minute documentary called Passive Investing: The Evidence, which includes cameos from some of the.