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And here's what you do regarding RRSPs, the borrowing rate for RRSP now is 3.5%, you should buy the max limit if you are comfy with it, and

make it self direct RRSP with TD or something, and put the money into this fund I am using

URL:http://www.cifunds.ca/web/fund_info/fund_dtl.jsp?lang=ENG&fundCode=687

make no mistake that I am not associated with this fund, it has a 10% return which I think is safe for your money

and I can also do the return in quicktax format, send you the digital file and you copy it onto paper forms
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