@cleueyasmin:

yasmin 💗
yasmin 💗
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Region: BR
Saturday 22 August 2026 00:24:32 GMT
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calebe.carvalho21
Calebe Carvalho :
Será se é isso mesmo linda
2026-08-22 00:29:53
0
maisabacelar1
maisabacelar1 :
Tem insta?
2026-09-05 14:41:55
0
lidianocampos7
lidianocampos7 :
muita maravilhosa vc em 💖😍
2026-08-23 22:23:55
0
josegustavolima19
Jose Gustavo lima :
oilinda
2026-09-07 17:27:07
0
eliwilsonpereira1
Eliwilson Pereira :
linda demais 🥰🥰🥰🥰🥰
2026-08-23 21:59:20
0
ontonio.edmilson
Ontonio Edmilson :
como e Linda
2026-08-23 08:08:40
0
cristianoteodoro677
Cristiano Teodoro677 :
maravilhosa 😍
2026-08-23 12:16:17
0
deuzimar58
deuzimar58 :
eita morena...e muito gata
2026-08-22 08:21:16
0
joseiltonsidroni9
Joseilton Sidronio :
minha rainha linda 👏👏👏👏👏👏
2026-08-27 03:36:53
0
davibrito3981
davibrito3981 :
Linda morena e vc 🥰🥰🥰🥰👩🏼‍🦰
2026-08-28 15:53:01
0
jeancarlosmartins60
jeancarlosmartins60 :
Que bbzinha linda
2026-08-22 01:33:34
0
josejosivaljosiva
João vitin :
muito linda
2026-08-24 12:23:17
0
eldo821
Eldo :
princesa
2026-09-03 00:04:45
0
user1353351886267
jhow carvalho :
gata bb☺️
2026-08-25 00:53:20
0
__naicleia_dos_santos__
_Naicleia dos Santos_ :
bicha bonita 🙏
2026-08-28 19:35:50
0
francisco.leite50
FRANCISCO LEITE :
maravilhosa
2026-08-27 02:47:45
0
edilson.sousa55
Edilson Sousa :
maravilhosa
2026-08-24 17:51:25
0
antenor.laurentin
Antenor Laurentino Dias :
🤩
2026-08-23 22:55:36
0
user409256213
Fabio Meira :
e IA
2026-08-22 01:22:53
0
adilsonmalcherdoe
Adilson :
nossa bb linda
2026-08-22 00:34:12
0
ailtongomesde6955
Ailton Gomes :
uau
2026-09-10 19:12:39
0
pelado.pelado8
Pelado Pelado :
linda 👏👏❤️❤️😘😘🫶🫶
2026-08-22 01:32:10
0
walterbarahona993
Walter Barahona :
😘😘😘😘😘 me encanta
2026-08-22 01:13:47
0
paulinhoalves160
pauliw :
caraca que mulher linda cara
2026-08-22 00:50:33
0
franciscodeus876
Francisco Deus :
que mulher maravilhosa
2026-08-22 00:30:20
0
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Other Videos

Sometimes the smartest RRSP move is to leave it  The meltdown is a bet on your future effective rate, not your future bracket. The technical correction first, because it's load-bearing and almost every article gets it wrong. Regulation 7308(4) sets your RRIF factor by your age at the beginning of the year. So in the calendar year you turn 72 you were 71 on January 1, and the factor is 5.28 percent, not 5.40. On $200,000 that's $10,560. The 5.40 factor belongs to the year you turn 73. And one more guard rail: the first minimum applies the year after the RRIF is established, not at 72. Convert at 65 and your first minimum is at 66. The second correction is conceptual. Deferral by itself is worth nothing. If your marginal rate is identical in both years, an RRSP and a TFSA hand you exactly the same after-tax dollar, because the order you multiply in doesn't matter. The RRSP's whole advantage is the rate spread. Which means the test is your marginal effective rate, not your bracket, and the effective rate includes the 15 percent OAS recovery tax above $95,323, GIS at 50 to 75 cents on the dollar, and the fact that a survivor reports the same household income at single rates with one OAS instead of two. On Rational Reminder 367, from July 2025, Ben Felix and Cameron Passmore worked a real meltdown case with PWL's Louai Bibi. The client had been convinced by YouTube. Their finding: in present value terms the difference between strategies was negligible. Not zero, and worth quoting fully, because their modelling did show a small gain in after-tax estate value from modest withdrawals each year up to 70, driven by unused TFSA room and the clawback. That is a very different sentence from
Sometimes the smartest RRSP move is to leave it The meltdown is a bet on your future effective rate, not your future bracket. The technical correction first, because it's load-bearing and almost every article gets it wrong. Regulation 7308(4) sets your RRIF factor by your age at the beginning of the year. So in the calendar year you turn 72 you were 71 on January 1, and the factor is 5.28 percent, not 5.40. On $200,000 that's $10,560. The 5.40 factor belongs to the year you turn 73. And one more guard rail: the first minimum applies the year after the RRIF is established, not at 72. Convert at 65 and your first minimum is at 66. The second correction is conceptual. Deferral by itself is worth nothing. If your marginal rate is identical in both years, an RRSP and a TFSA hand you exactly the same after-tax dollar, because the order you multiply in doesn't matter. The RRSP's whole advantage is the rate spread. Which means the test is your marginal effective rate, not your bracket, and the effective rate includes the 15 percent OAS recovery tax above $95,323, GIS at 50 to 75 cents on the dollar, and the fact that a survivor reports the same household income at single rates with one OAS instead of two. On Rational Reminder 367, from July 2025, Ben Felix and Cameron Passmore worked a real meltdown case with PWL's Louai Bibi. The client had been convinced by YouTube. Their finding: in present value terms the difference between strategies was negligible. Not zero, and worth quoting fully, because their modelling did show a small gain in after-tax estate value from modest withdrawals each year up to 70, driven by unused TFSA room and the clawback. That is a very different sentence from "drain it before 71." Doug Chandler's FP Canada work names the mechanism plainly: the advantage is easiest to demonstrate when the excess withdrawal funds a TFSA contribution, and tax on non-registered investment income drags down whatever you gained on brackets. So the destination matters more than the drain. Where the meltdown genuinely earns its reputation: large balances where the forced minimum will cross the clawback line, singles with nobody to roll to, couples planning for the second death, and anyone with empty TFSA room. Chandler's own warning, which applies to every meltdown projection including mine: simple, single-scenario projections of the value of a drawdown strategy are unreliable and misleading. The meltdown is a tool, not a rule. Educational only, not advice. Your province, your income, your accounts.

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