--Apple-Mail=_6A8951BB-5EDF-4EEF-AA17-6F70D61BB921 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset=utf-8 Hi Timothy, Here are the incomes I expecting for me and Susie for 2022: Tim Salary with HCA for 2022 (Jan 1- Sep 4): $68,703.58 (gross) $41,869/75 = (net). Includes vacation pay, and notice, but not severance = ($40,869.46) Salary as consultant: 4 months=E2=80=A6$25k? Pension Income (Quebec): $1,762.41/month RIF & LIF withdrawals: $21,130 withdrawn already and about the same = amount to be withdrawn before year end. Margin Account: 6 months of dividends equal approx. $36K, similar amount = to come. Capital Losses approx $90k Susie Pension Income: Around $1200 (Quebec and OAS combined); however OAS was = stopped in June this year. LIF & Spousal LIF: Minimum withdrawals to come Margin Account: Dividend income Capital Losses approx $61k Be sure to ask Kathy if Susie can get her OAS in arrears if her 2022 = income is low enough. Thanks for your help. Tim Thomas Home Care Assistance (Montr=C3=A9al) Tel: 514.907.5065 tthomas@homecareassistance.com | = Homecareassistancemontreal.ca = --Apple-Mail=_6A8951BB-5EDF-4EEF-AA17-6F70D61BB921 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset=utf-8 Hi = Timothy, Here are = the incomes I expecting for me and Susie for 2022: Tim Salary with HCA for = 2022 (Jan 1- Sep 4): $68,703.58 (gross) $41,869/75 (net). Includes = vacation pay, and notice, but not severance ($40,869.46) Salary as consultant: 4 months=E2=80=A6$25k? Pension Income (Quebec): $1,762.41/month RIF= & LIF withdrawals: $21,130 withdrawn already and about the same = amount to be withdrawn before year end. Margin = Account: 6 months of dividends equal approx. $36K, similar amount to = come. Capital Losses approx $90k Susie Pension Income: = Around $1200 (Quebec and OAS combined); however OAS was stopped in June = this year. LIF & Spousal LIF: Minimum withdrawals = to come Margin Account: Dividend income Capital Losses approx $61k Be sure to ask Kathy if Susie can = get her OAS in arrears if her 2022 income is low enough. Thanks for your = help. <div dir=3D"auto