Hello Coal Miner, I will respond to this on the Off Topic. The TFSA, etc, are all excellent questions & effect us all, but they probably should be on the Off Topic, as was requested by a few posters, and I think many more silently.

I was as much to blame as anyone yesterday, if not even more, as I put a few on myself, but we all try to help out a poster with an answer, and when you hit submit, you see there was 5 more that got on while you were typing. It goes on & on, and eventually just totally bogs down the main discussion board.

So, please lets continue the TFSA, and related type posts on the Off Topic.

Thanks very much!