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Video instructions and help with filling out and completing how to calculate your high 3 for federal retirement

Instructions and Help about how to calculate your high 3 for federal retirement

Hello everyone I'm David Packard I'm a financial advisor with Bridgeland financial welcome to today's first minute what is the high three the high three is very important to the calculation to first pension it is a basis to determine what you receive in retirement the high 3 is the 36 consecutive months of your highest pay just because you get a raise and you work one month into the next year with that raise does not mean that entire annual salary goes towards your high 3 this is a mistake I see a lot of people make only 1 month will be considered also your entire annual salaries generally not included in the high 3 in general high 3 excludes night differential allowances bonuses awards and overtime so when attempting to calculate your high 3 remember to slough those things for most people but not all their high 3 will be last 36 months they work but that does not have to be the case there is a calculation we can do here at Brigitte and financial using your le s that will let us know what counts towards your high 3 I hope you enjoyed this video if there are any questions suggestions or if you want us to run a high 3 calculation please fill in the form below until next time this is david packard financial advisor with Brigitte and financial saying stay safe you.

FAQ

Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?
Departments of education and school districts always have to make decisions about what to include in their curriculum.  There are a lot of life skills that people need that aren't taught in school.  The question is should those skills be taught in schools?I teach high school, so I'll talk about that.  The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically.  For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought.  In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large.  In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people.  If that happens, figuring out how to do procedural tasks in real life should not prmuch of a challenge.  We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need.  Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that?  Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out.  If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability  to figure out.  It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe.  The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble.  They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?
If you left a survey for burglars to fill out the next time they ransacked your home, how would they rate the experience?
How did you learn about us?Rumors about rural houses having little Security.Location: 5/10Location was alright. Around 500 meters to the nearest neighbor. But unfortunately an hour away from any sizable population (20,000 plus being a sizable population.)Transportation: 10/10Transportation was top notch. The owners of the property never lock their Minivan or Pick-up truck. The keys are always left in the vehicles. Both are moderately new and somewhat non-descriptive so a perfect getaway vehicle. Not only did they prvehicles they also kept trailers in a easily accessible unlocked shed.Security: 9/10Security was lax. There is a gate but it isn’t locked. Doors aren’t locked unless the house is left unoccupied for more than 2 weeks. No cameras made it really easy. They did have a dog which made it a bit of a pain. He was easily disposed of as he was just a Labrador Retriever puppy. Owners are very light sleepers don’t rob if they’re around.Products: 10/10No place has better selection. The place had 3 DSLR cameras, 3 Workstation class desktops, 3 tablets, 4 drones, 6 Smartphones, 9 external monitors and 11 laptops. All of the items were of premium design and value (aka Apples or equivalent). The freezers and shelves were well stocked the rest of the property was much more appealing though.They also had a shop on the property with many tools ranging from mechanics to carpentry to fabrication. The tools were of medium quality. The shop also stored 2 ATV for added convenience. The shop wasn’t the jackpot though.The shed was the real treasure trove. This drive in shed held heavy equipment all with the keys in the ignition for easy accessibility. The average equipment’s value was around $100,000, with a combined value of around $1.5 Million. Unfortunately the heavy equipment is hard to transport and the market is too small to get away with it.The products all seemed gift wrapped for the taking. Everything was easy to find as it looked organized.Laws in the area: 10/10Owners aren’t allowed to use lethal force or even have a premeditated weapon for self defense. A robber in the area once accidentally locked himself into the garage place he was robbing. As the owners did not come home for a couple days he resorted to eating dog food. The end result was the owners were charged for negligence of the robber. Laws almost protect us. Owners are not supposed to attack us in any way or they may be charged.Would you recommend to your friends?If everybody is gone a resounding yes. Unfortunately that’s not very often as the house is occupied by Home-schooling kids, a Writer and the owner is a farmer who mostly works on property. Also if you intend to use brute force, bring a weapon. All the occupants are big. The average height is around 6 feet.BTW bring friends to help loot. It really requires a team of people to loot the place.
How should people calculate how much to save for retirement?
L. Murren's answer is the simplest, and is a good rule of thumb. That said, when you retire, things change and you want to do different stuff that will likely caost you money.So, if you don't know where your money is going, find out. If there's something you'd like to do, ehow much it is in today's value, then project into the future for how long you intend to do it.If there is something you want/need to buy, get an efor that and project into the future. If you need a car, this can be very useful to eat what interval you wish to replace it. My estimates stopped at age 90.When you have that figured out (or most of it), contact a financial planner who does retirement planning as well as asset management. There's lots of them available, rates for services vary, and competencies vary. My wife and I are pleased with our financial planner, and what he has done, and we are enjoying our retirement. I wish I had found him 10+ years earlier.And, that is the key? Plan early, save and invest wisely, and ride out the roller coaster days of the markets.And always plan on living on less than what you bring home.
Is express entry a calculated plan to get highly skilled workers oversea to fill dirty survival jobs in Canada? I am a jobless desperate PR in Canada without jobs for 3 months and no savings left.
Why don’t you move back to your home country? I don’t believe Canadian government no where has given any legal guarantee that they will be obliged to give you job also. It is a risk which every one has to go through so there is no point in complaining or cursing the Canadian government. You should have done your HOME WORK better before embarking on this journey. If you don’t think you are not able to find any proper job, feel free to move back to home country. No one is stopping you.One another note, my own one Indian friend moved to Canada in January 2021. His profile is he has 2 “Master of Science” degree from two prestigious European universities. One in Electrical Engineering and the second one in Nuclear Engineering. Before moving to Canada he got around 2 years work experience in Quality Control in some company in India. He didn’t have any “CANADIAN EXPERIENCE” at all. Guess what, he landed in Canada in January this year and he got 2 job offers by end of Feb and beginning of March. He joined from 1st week April.