One's pension

The majority of one's pension (unless you never worked) is money earned by you and invested by you. The only give away amount by the federal government is the OAS (and if you worked you have helped to produce this as well since when you worked you supported the Old Age Security (OAS) for the old in your generation). But in general it is money that is surplus to what you have earned and saved for retirement through your life. The TFSA (created by the Conservative Government in 2009 and this is a really good idea) is perhaps the best tool yet in the retirement toolkit and should be utilized if you are able from the age of 18 years on - instead of buying cigarettes and other junk put it into the TFSA for your enjoyment in retirement. You can invest inside of the TFSA and one of the really good ideas that Pierre Poilievre put forward was a bonus amount on top of the current $7000 per year that you can put into the TFSA if you invest in Canadian projects. Being able to put away $10,000 a year from the age of 18 to the age of 70 (and not counting the interest accrued) is $520,000 (the interest would potentially make this much much larger over a period of 52 years giving you a nest egg that is not taxed when you take it out). So we need to ensure that our pension money is directed towards Canadian projects to really make this growing Canada aspect work. This isn't for us, the old, this is for the future and a down payment on the success of all the grandchildren and great grandchildren who live here. 

Prayers continuing for those who died in the floods in Texas and prayers continuing for the missing still the count is at 160 with over 100 dead. How incredibly sad that so many of them are children. 

Cleaning all accomplished and the Fit Bit tells you so much about how you spent your day amazingly. For instance I definitely over did it cleaning and so my sleep was somewhat disturbed as too much exercise can do that but the compromise gives me three days of cleaning which is just too time consuming and so I continue knowing that the overwork will be noted in my restless sleep and move on. 

Today continuing with the collection of matches for the final sibling and I continue on page 6 of the matches at Living DNA. I suspect that I will only do to page 7 as there are fewer matches for this sibling. A couple of interesting ones yesterday in the Blake line. There is a length on one chromosome that tends to be there for every Blake result in the Andover line. Interesting to see how far back it will go as there is a group of Americans who have tested on Living DNA with this particular length. As the knowledge of DNA grows individual lengths will become interesting and our understanding of the health and well-being of people will be greatly enhanced. DNA does not control how we live our life medically speaking but rather life-style but good genes from the beginning are also an asset so long as one has a good life-style which must include a good amount of exercise and maintaining a good weight for your age and size. 

I am dropping into 23 and Me most days to see if there will be any changes in how we can look at our results since I have access to my own and two of my brothers (I will never regret spending the money to test at so many places in particular my one brother who was my co-investigator in all of this). 

The 21st century will be exciting although at the moment it is totally clogged by financial happenings out of the control of most countries. In being benevolent following the Second World War some of our economies became warped one might say and lop-sided and we do need to restore ours to that system where we produce many things locally because external trade (although it can be a game changer for some people and even for some countries where their product level is high in valuable products) is not the most important item in a country but rather that it can produce what it needs in order to be the most productive for themselves - external trade is a bonus. 

 Tea drank and solitaire puzzles next on the list. Then breakfast. This day is beginning late for sure.