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I agree with this, and would say I think most people in general are honest people.

As people, we all want to keep as much of what we earn as we can. Honest people do it by learning about the tax...

If you want to guarantee your principal, but also get a bit into stocks, then you could buy a standard GIC and invest the interest you will make on the GIC or bond into the market.

So for a simple...

I agree it depends on the amount being traded whether ETF or mutual funds are better. You can always use mutual funds to do your DCA and then move the cash to an ETF when you have enough to justify...

Every post he made had a link to his ad site and his sig. stated at different times things like 'learn how to become a millionaire like me' or 'millionaire at 30'.

Once he told someone that they...

I haven't seen such a fee from Scotiabank.

Yes, you are opening yourself up for possible cap losses, but also for cap gains.

I buy short term (1-5year) bond ETFs right now and stocks that have 4%+ div yield that I plan on holding for the...

So that means you should NOT buy right? ;)

Exactly, just look at me and my senior member status. ;)

back to OP Q:

IMO, pay the mortgage off; if you have only a few years left, you must have equity in the house, so you should be able to...

OP, you are asking if you should time the exchange rate at the expense of higher interest rates because you borrowed more sooner. Therefore I suggest you likely go with option 2) since timing...

It is in a collapse mode now relative to the CAD and other currencies (not all), but that could change, it sure has before. So I think there is a built in medium to long term assumption in the OPs Q....

I was going to post my own reply to this fun thread, but osc sums it up for me too.

Except for....

I am also one the + side for getting rid of the dual school system and just having one public...

My take is that the OP is expecting to make money in his business initially, but keep it in the corp and not pay himself or pay himself very little, so his tax bracket is low, so removing RRSP $ now...

You won't be the the only one eating then. ;) I tink when reality meets the hype, this will be something that Mac heads buy (maybe).

BTW, no offense to Mac heads, I consider myself both a Mac and...

I agree; Abobe CS4 is much more stable and way faster on the PC than on the Mac; my wife does graphic design and she used to use the Mac only; now she uses the Mac for some stuff and we have a Win PC...

Are they really not paying for it? I wouldn't be surprised if some gifts get passed around. ;)