Thanks again. I have researched it also and understand how it works except for one little thing. Are you saying I can deposit a security... Not sure how that works... I think of it as depositing cash. Then buy the security through that TFSA. Is that how it works.?

If I can deposit securities that would be cool too. Just transfer what I have from my investment account over into the TFSA as long as under 5000. SWEET!!!

I guess I would have to open the account with the bank I trade most often?

This is Harper's way of trying to help investors. When he originally campaigned he wanted to stop investors from getting capital gains on just selling a security and only when you took the money out but that was if he got the majority... I was rooting for him but no majority again...

later and happy investing.