Hi Jin, 1. I bought a bunch of U.S. ETF's and now I'm getting hit with foreign investment tax. Could you explain the tax rules for a Canadian? And how it might be different with an individual account, corporate account, RRSP or (obviously) TFSA? 2. I don't completely understand why bonds are considered a good, "safe" investment. I bought a bunch of bonds in the past ten years, admittedly through a mutual fund company, with low MER's and poor/negative returns. I do want to keep some of my money safer, but at least I understand GIC's. Bonds just seemed to be the worst of all worlds: some risk and no (in my limited experience) reward.