..your TFSA ( knowen as debit ) account can be used here as a Wink account. You lend Blink enough funds so Blink can top up his SDRRSP account so Blink inturn gets a large tax saving. Blink then the following yr pays back Wink so he can credit back his TFSA ( debit ) account..PS" Since your TFSA has no tax implications, you could depending on your tax rate enjoy a 40 % tax return just like buying into the flowthrough but tax free until which time you debit your SDRRSP. one can still repay back to your TFSA in 2013.. playing Winkin & Blinkin with joint Kids accounts over 18 yrs of age can be benificial for spliting income.. just food for thought. Traps7