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Hang on, you're 21!

I'm sorry, I was nowhere near as organized as you are at 21. Hell I was still drinking my face off in university. Kudos to you.

OTOH, I'm Canadian and can answer none of your questions. ShelbyBoy (and others not so technically inclined) should be able to help you out lots.

Good luck and keep up the good work. Oh, and invest in an IRA or whatever tax free investment vehicle you have down there. You MUST know about the power of compounding.

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