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No, olivaw, no penalties of any kind.

It's my understanding that my situation is standard practice at all the banks, not just Scotiabank, but I can't say that for sure. I happen to have an...

Hi Squash500, No, I know what you mean, but I have no GICs that are set up that way. What I have always had in my RRSP (and now in my RRIF) is a number of different GICs, all compounding annually...

I'm quite sure that Squash 500's advise is incorrect if the RRIF is invested in GICs. I always invested in five-year GICs in my RRSP while I was working because that's where I got the highest...

Mine is about 42% which would be worrisome at my age (70) except for two things - I have a federal government db pension and my house is fully paid for, so I don't need a lot of income beyond my...

Thank you both for your birthday wishes! We're actually celebrating it tomorrow with a birthday dinner at my daughter Laurie's so that all the family (including Freddy) can be there - a couple of my...

I once read an article in a money magazine about women and their financial goals. A number of women in a variety of circumstances were interivewed. My favourite was a career woman who had never...

I used to work as a legal assistant for a management company that managed several public companies listed on the old Vancouver Stock Exchange. I used to prepare the minutes of the companies' Annual...

I thought I'd post these photos of Freddy enjoying his trophy from the 2013 World Championships in Boston.
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Well, the voting just closed and Freddy finished 3rd with 116,926 votes if you can believe it! That means he'll be off to Dublin in May for the final auditions for the new Heartbeat of Home show...

I'm absolutely astounded at what's happened on that website today - Freddy's now in third place with just over an hour to go till the voting closes. (Originally it was to end at midnight Dublin time...

That's my understanding, hp. Gotta go - I have an appointment I'm going to be late for. TTYL!

I think it's going to work the other way around, hp. The judges are waiting to see who the public chooses before they start making their choices. They have announced that the top ten chosen by the...

I must admit that I'm feeling rather sick this morning. I went to bed very late (after 4 a.m.) feeling very confident with Freddy in 7th place, and I couldn't believe my eyes when I woke up a couple...

I loathe the thought of having to move, which is one reason I'm so glad that nobody can ever make me do so. The only reason I would ever move out of my house is if my health got so bad that it was...

All I have to say is that one of the best days of my life was the day I paid off my mortgage. It was nearly 30 years ago, and I still feel happy every time I think about it!