A heads up for any Canadian qec'rs who haven't already considered it. As of January 1, 2009 you can put $5000 into a TFSA. I was ready to put a GIC in mine but then found out you can put stock into it. So instead of 3 or 4 % tax free return - the return will be whatever qec goes up. So I am now putting $5000 worth of qec shares in. Nice little tax free appreciation in addition to RRSP's and with even better withdrawal terms.

As always, do your own dd.

Inceptus