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Good article goldmember. The TFSA is a must have for all Canadians. Lakesurfer you just have to be careful how much you are making on your pension that the withdrawal doesn't push you into a higher tax bracket. Ask your accountant or I could ask mine but you would have to wait until I submit my taxes when we usually meet. I was able to get some FR @ 17.50 today. I am an Orko holder and am thrilled to be getting some of this awesome company. I also purchased the little bit of silver I have through them.