Cannonballs - You have obviously managed your resourses well and are very comfortable, but I have to point out that you probably lost money on your 19.5 5 gic's. How? Well, you probaly paid something like 25% of you investment income in taxes, and inflation at the time was running at something like 14%. So, you enhd up with a zero real rate of return.

Anyone who buys GIC's today faces the same delema and just helps the banks to make money on their backs - more on this subject after I have dinner.

Shortty