In 2025, you’ll be getting an extra $7,000 worth of Tax-Free Savings Account (TFSA) contribution room. That’s an extra $7,000 worth of account room in which to save and invest tax-free. Such an addition of tax-free saving power may have you feeling excited. However, it’s important to remember that not all assets are suitable for a TFSA. Cash balances with low interest rates are not ideal for the TFSA, as they incur little returns in need of taxation. Likewise, non-dividend stocks that you hold for life don’t benefit much from being held in a TFSA, as they will not be taxed unless they initiate a dividend. So, there’s some strategy to getting the most out of your TFSA. In this article, I will explore the three most essential moves for Canadian TFSA investors in 2025. Move #1: Diversify Diversification is probably the single most important move for you as an individual investor to make in 2025. Whether you hold dividend stocks, non-dividend stocks, bonds or anything in between, it pays to spread your eggs across multiple baskets. The easiest way to achieve portfolio diversification is to skip stock picking and invest in instead. ETFs provide diversification without the need to handpick large numbers of stocks. Consider ( ). It’s an ETF made up primarily of in sectors like energy, utilities, and banking. It has 50 holdings in total, which provides a respectable amount of diversification. It has a 3.81% annualized yield, which can provide significant cash income. Finally, ZDV pays its dividend every month, which is a much higher income frequency than most ETFs. Because it pays out such a large dividend on a very frequent basis, ZDV benefits from being held in a TFSA. Move #2: Have some fixed-income exposure Another TFSA move to make is getting some fixed-income exposure. Fixed-income investments like bonds and Guaranteed Investment Certificates (GICs) get taxed at higher rates than dividend stocks. The reason is that dividends have the dividend tax credit applied against them, while bonds have no such credit. An extra dollar of bond interest is taxed almost the same way that employment income is. So, if you’re going to hold bonds or term deposits, it pays to hold them in a TFSA. As for you should hold fixed incomes, they are ideal for when you have imminent liquidity needs. For example, if you’re planning to buy a home or car soon, it pays to have some of your money in bonds (that you hold to maturity) rather than stocks. The reason is that stock market volatility can disrupt your plans to have a certain amount of dollars in your account on a set date. You probably shouldn’t have of your money in bonds, but a 10% to 40% allocation might make sense. Move #3: Keep certain things of the TFSA Last but not least, there are certain assets you shouldn’t hold or try to hold in a TFSA. A share in a small business you own is one example of a thing that’s not Kosher for TFSAs — if you try to put such a share in a TFSA, the Canada Revenue Agency will likely tax you. It also doesn’t make much sense to hold low-interest cash balances or non-dividend stocks you plan on holding for life in a TFSA, as such things are either not taxed or taxed very little. Basically, the bigger and more frequent the expected return, the more the asset benefits from being held in a TFSA. If you keep that principle in mind, you should get some benefits from having a TFSA.Arsenal defender Gabriel rubbed salt in the wounds of Sporting Lisbon by mocking superstar Viktor Gyokeres' iconic celebration. The Brazilian powered a header home from an inviting Declan Rice corner for Arsenal 's third of their Champions League clash against Sporting. But it wasn't just the goal that had fans talking. As Gabriel wheeled away to celebrate with his teammates by the corner flag, he interlocked his fingers and covered his face with them. It was a familiar celebration made famous by Sporting marksman Gyokeres , who has had plenty of opportunities to wheel it out this term given he's scored 33 times in just 25 appearances for club and country this term. Fans on social media couldn't believe Gabriel had the chutzpah to openly copy Gyokeres' iconic celebration in front of the Sporting faithful. One fan said on X: "LOOOOL Gabriel said Gyokeres come get your celee back." Sports broadcaster Nubaid Haroon wrote: "Nah Gabriel is rude loool whys be beefing Gyokeres." Another posted: "Gabriel pocketing Gyokeres for 45 minutes before notching a goal and doing Gyokeres' celebration." This fan then stated: "Gabriel Magalhaes pulling out Gyokeres' celebration right in his own backyard—this guy’s a certified menace." Gyokeres, linked with a reunion with Ruben Amorim at Manchester United, looked a far cry from the goal machine he has been this term as Arsenal dominated the opening half of the Champions League tie. The Gunners hit the lead in the seventh minute through Gabriel Martinelli as he tapped home Jurrien Timber's low cross. There was a brief VAR check to assess whether Timber had made his run too early, but the Dutchman timed it to perfection as the goal stood. Arsenal then doubled their advantage 15 minutes later via Kai Havertz. Thomas Partey threaded a perfect pass between several Sporting defenders and into the path of Bukayo Saka on the right flank. Sporting goalkeeper Franco Israel rushed out in an attempt to smother the ball, but Saka cheekily poked it through his legs and Havertz was on hand to tap home. It was the German's 100th goal in his club career. Gabriel added the third on the stroke of half time, leaving Sporting with a serious mountain to climb going into the second half.
Toys Market in Europe to Grow by USD 9.27 Billion (2024-2028), Driven by Premiumization and AI-Influenced Market Trends - TechnavioWhile the rest of the Notre Dame community figures out whether it's worth paying four figures for a ticket to the College Football Playoff first-round home game against Indiana, the men's basketball team continues to figure out how to survive without Markus Burton. Notre Dame (5-5) hosts its next-to-last nonconference game Wednesday night against Dartmouth (4-4), which plays its sixth contest of a seven-game road trip. The Fighting Irish took a promising step -- and snapped a five-game losing streak -- on Saturday by edging Syracuse 69-64 in their ACC opener. "We needed to be in a close game and we needed to win a close game so our guys can build some belief back," head coach Micah Shrewsberry said. "We can't take any steps back on Wednesday." Without Burton -- the stat sheet-stuffing sophomore point guard who injured the medial collateral ligament in his knee Nov. 26 against Rutgers -- the Irish are struggling to find someone to run the offense, as evidenced by their seven assists versus 15 turnovers against Syracuse. At the same time, players are filling the scoring void. Braeden Shrewsberry poured in a career-high-tying 25 points versus the Orange while hitting 6 of 11 3-point attempts. Tae Davis averaged 12.4 points and 7.2 shots per game when Burton was healthy, but he has upped his mean production to 16.6 points and 12.2 shots in the past five games. Micah Shrewsberry, though, prefers to measure progress on a possession-by-possession basis. "Just the toughness," he said. "There have been times when we haven't gotten the key stop. We haven't gotten the bucket when we quite need it. It gets deflating sometimes." Dartmouth knows that feeling. On Sunday, the Big Green took a one-point lead with 4:03 left in overtime at UIC -- and then failed to score on their final six possessions to suffer a 69-68 loss. The Big Green, who haven't posted a winning season since 1998-99, believe whole-heartedly in launching 3-pointers as they take 48 percent of their shots from behind the arc. Senior Cade Haskins (13.6 ppg) has hit a team-high 28 of 68 3-pointers this season, though fellow senior Ryan Cornish stacks up as the team's top scorer (14.3 ppg), passer (3.0 assists per game) and defender (2.3 steals per game). In its only previous game against a power-conference opponent, Dartmouth upset Boston College 88-83 on Nov. 29. --Field Level MediaKey details about the man accused of killing of UnitedHealthcare's CEO
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FSK Completes Public Offering of $100 million 6.125% Unsecured Notes Due 2030DALLAS — If “better health for my hockey team” was among Minnesota Wild coach John Hynes’ holiday wishes, he instead got a notable lump of coal in his stocking before the team plane had even left the ground at MSP on Friday morning. The seat on the charter aircraft normally occupied by Wild star forward Kirill Kaprizov was empty when the rest of the squad took off for Texas. He was unavailable for the Friday evening game versus the Stars with a lower-body injury that has been a problem for a few days now, Hynes said. ADVERTISEMENT “He was a little sore, I think, going into the break, and then we talked with the doctors and stuff yesterday,” the coach said following the team’s morning skate at American Airlines Center. “Right now, as far as I know, it’s day-to-day ... then we’ll see how he’s feeling each day moving forward here.” Hynes added that the absence is not related to the knee-on-knee check Kaprizov took during a November game in Edmonton, which kept him out of the lineup for one game. The coach added that he has not seen anything to indicate the absence will be long-term. “I don’t have a big concern level as of now because he was a little bit banged up prior to going into the break, but we all saw how he played against Chicago,” Hynes said, referencing the team-leading 23rd goal of the season that Kaprizov scored in a 4-3 win over the Blackhawks on Monday. “We’ll see what he does today with his treatments and see what he does tomorrow.” Stars coach Peter DeBoer got the news of Kaprizov’s absence from the media following his team’s morning skate. “Obviously, an important player. I probably could’ve saved myself some time in my pre-scout this morning if I’d known that earlier,” he said, noting that they weren’t expecting an easy night with or without Kaprizov. “When I look at Minnesota, they’re a team that’s the true sum of their parts rather than one player. “They’ve got four lines, they defend well, they’ve got great goaltending. So, probably a lot like us, you can take a player out of the lineup and still be competitive. But still, that’s a big guy out for them.” The Wild will host Ottawa on Sunday evening and Nashville on Tuesday evening. ADVERTISEMENT ______________________________________________________ This story was written by one of our partner news agencies. Forum Communications Company uses content from agencies such as Reuters, Kaiser Health News, Tribune News Service and others to provide a wider range of news to our readers. Learn more about the news services FCC uses here .
Agnico-Eagle Mines Ltd. stock falls Tuesday, still outperforms marketFor nearly 70 years, a unique holiday tradition has captivated the imaginations of children and families worldwide: tracking Santa Claus as he journeys across the globe delivering gifts. This beloved initiative is spearheaded by the North American Aerospace Defense Command (NORAD), an organisation more commonly known for its critical role in monitoring aerospace threats. But on Christmas Eve, its radars, satellites, and volunteers are put to work tracking the most magical figure of the season. The origins of Norad’s Santa Tracker trace back to an unlikely and heartwarming incident in 1955. At the height of the Cold War, Colonel Harry Shoup, then director of operations at the Continental Air Defense Command (CONAD), received an unusual call on a top-secret phone line. A child’s voice asked, “Is this Santa Claus?” Initially taken aback, Shoup soon realised the child had mistakenly dialed the number printed in a local Sears ad encouraging kids to call Santa. Displaying quick thinking and a sense of humour, he responded with a hearty “Ho-ho-ho! Yes, I am Santa Claus. Have you been a good boy?” The calls didn’t stop there. Due to a misprint in the newspaper, children’s Christmas wishes continued pouring in. Shoup, embracing the spirit of the season, instructed his team to answer the calls as Santa. In an ingenious move, he even contacted a local radio station, announcing that CONAD had identified an “unidentified flying object” resembling a sleigh. Thus, a global tradition was born. The original story, though heartwarming, has not been without its sceptics. Some journalists have questioned whether it was a misprint or a misdial that prompted the call. Others have pointed to variations in how Shoup himself recounted the tale over the years. Regardless, his quick thinking and festive cheer have left an indelible mark on the holiday season. In 1958, CONAD transitioned into Norad, and the Santa Tracker tradition carried on, growing in scale and sophistication with each passing year. What began as a local holiday gimmick has since evolved into a global phenomenon. Today, millions of children and adults worldwide participate in tracking Santa’s journey. In 2022 alone, volunteers at Norad’s Peterson Space Force Base fielded 78,000 calls from excited kids asking for updates on Santa’s location. The operation now involves an extensive setup, beginning every December 1. Air Force Lt. Gen. Case Cunningham explained that Norad’s radar systems in Alaska and Canada — part of the northern warning system — first detect Santa as he leaves the North Pole. From there, Norad’s satellites equipped with infrared sensors track the heat emanating from Rudolph’s glowing red nose. “A little-known fact is that Rudolph’s nose emits a significant heat signature, making it easy for us to track Santa’s sleigh,” Cunningham told AP . Norad’s tracking also involves a plexiglass map tradition that dates back to the 1950s. During those early years, staff members would humorously sketch Santa’s sleigh on the map, symbolically marking his progress. Today, cutting-edge technology has replaced the old plexiglass maps, but the whimsy and joy remain unchanged. Modern technology has taken the Santa Tracker to new heights. Norad’s website, www.noradsanta.org , goes live every December 1, offering real-time updates on Santa’s progress starting at 6 am ET on Christmas Eve. Families can also follow along through the Norad Santa Tracker app, available on both Apple and Google Play stores. The experience includes interactive games, videos, and a countdown to Santa’s departure from the North Pole. For those preferring a more traditional approach, Norad’s hotline at 1-877-HI-NORAD is staffed by volunteers ready to answer questions about Santa’s whereabouts from 8 am to 2 am ET on Christmas Day. In addition to Norad’s efforts, Google also offers its own Santa tracker with games and updates, adding to the holiday magic. Norad’s tracking has a uniquely immersive element: fighter jets often “intercept” Santa’s sleigh as it enters US airspace. Pilots tip their wings in greeting, and Santa — ever the jovial traveller — waves back. “When the jets intercept Santa, they tip their wings to say, ‘Hello Santa. Norad is tracking you again this year,’” a Norad spokesperson explained. One of the most enduring questions is how Santa manages to deliver gifts to millions of children worldwide in just one night. According to Norad, the only logical explanation is that Santa operates within a unique time-space continuum. “Santa does not experience time the way we do,” the agency notes. “His journey might take 24 hours for us, but to him, it could last days, weeks, or even months.” This explanation adds a touch of scientific intrigue to Santa’s age-old tale. As historian Gerry Bowler, author of “Santa Claus: A Biography,” told AP in 2010 that, Ad campaigns or movies try to “kidnap” Santa for commercial purposes, Norad, by contrast, takes an essential element of Santa’s story and views it through a technological lens. The Santa Tracker tradition is not just about high-tech tracking but also about spreading joy and fostering a sense of wonder. For Shoup’s family, it remains a cherished legacy. “I always wore a t-shirt that had a picture of my dad. It says: ‘My dad’s the Santa Colonel’,” Sky News quoted his daughter Terri Van Keuren, who recalls volunteering as a Santa Tracker operator herself for 10 years. Shoup’s children continue to receive letters from people around the world thanking their father for his contribution to holiday cheer. In addition to fostering holiday joy, the Santa Tracker highlights the importance of volunteerism. Each year, over 1,000 volunteers dedicate their time to fielding phone calls, managing the website, and ensuring the operation runs smoothly. Their efforts ensure that millions of families can share in the magic of Christmas. With inputs from agencies