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    2015 reddit stock picks - up 8.7% v. S&P 2.3%

    @lpwillia Not really considering Reddit fuzzes votes. A poll would work fine.
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    G&M: RRSPs are getting a bum rap as a tax trap

    @waterfall123 I'm just really glad you clicked it.
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    G&M: RRSPs are getting a bum rap as a tax trap

    @jadenhancock Agreed. And I think my calculation clearly shows why - when you do this you just change the tax rates. In my calc if you took 70% on the RRSP side and turned it into 80% it would be pretty clear why RRSP provides a benefit, which is again something that isn't immediately intuitive...
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    G&M: RRSPs are getting a bum rap as a tax trap

    @mtainmn43 I found this a bit unintuitive at first, but simplified it seems really obvious why RRSP vs TFSA is the same where tax rates on the two ends are the same. It feels like the increased contribution and growth of an RRSP would be better, I guess, but it isn't. Quick math. Growth can be...
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    G&M: RRSPs are getting a bum rap as a tax trap

    @silmarien Oh geez, I dunno. Could have been the adviser had the wrong idea, or honestly just some "friend". Who knows, geez.
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    G&M: RRSPs are getting a bum rap as a tax trap

    @silmarien Perhaps people don't have this impression, but for a lot of people this does effectively happen. They pay tax on money, and then they get a refund which they spend. So the amount of money contributed to their retirement savings is the after-tax amount. Then they pay tax on the...
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    Canadian starting online sales in North America - where to incorporate? Please Help with Tax Treatment

    @emelie Charge and remit Quebec tax. Note, I did zero research to give you this answer :D
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