yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.

2008 West
Data Direct
SOA, WOA and Cloud Computing: The New Frontier for Data Services
Red Hat
The Opening of Virtualization
User Environment Management – The Third Layer of the Desktop
Cloud Computing for Business Agility
CMIS: A Multi-Vendor Proposal for a Service-Based Content Management Interoperability Standard
Freedom OSS
Practical SOA” Max Yankelevich
Architecting an Enterprise Service Router (ESR) – A Cost-Effective Way to Scale SOA Across the Enterprise
Return on Assests: Bringing Visibility to your SOA Strategy
Managing Hybrid Endpoint Environments
Game-Changing Technology for Enterprise Clouds and Applications
Click For 2008 West
Event Webcasts

2008 West
Get ‘Rich’ Quick: Rapid Prototyping for RIA with ZERO Server Code
Keynote Systems
Designing for and Managing Performance in the New Frontier of Rich Internet Applications
How Can AJAX Improve Homeland Security?
Beyond Widgets: What a RIA Platform Should Offer
REAs: Rich Enterprise Applications
Click For 2008 Event Webcasts
Today's Top SOA Links

REPEAT-BMO Study: TFSAs Gaining Ground While RRSPs Remain Popular Among Canadian Investors
- More than 40 per cent of Canadians would choose to invest extra money in a TFSA; 37 per cent in an RRSP

TORONTO, ONTARIO -- (Marketwire) -- 01/19/13 -- With the annual deadline for contributing to a Registered Retirement Savings Plan (RRSP) fast approaching, many Canadians are wondering whether they should invest solely in an RRSP or split their investment dollars between an RRSP and a Tax-Free Savings Account (TFSA). While the two investment vehicles complement each other and boast impressive adoption rates among Canadians, a BMO study has found that many are intrigued by the TFSA, in particular.

According to the national study:

--  Two-thirds (67 per cent) of Canadians have an RRSP and 39 per cent have
    a TFSA. 
--  If they were given a limited amount of money to invest, 42 per cent of
    Canadians would invest the funds in a TFSA while 37 per cent would put
    it towards a RRSP. 
--  The most attractive TFSA benefits cited were that investments are tax-
    free (36 per cent) and that funds can be withdrawn at any time (20 per

"Whether saving for travel, the purchase of a home, a child's education or retirement, it's encouraging to see that Canadians are investing in their future by contributing to TFSAs and RRSPs," said Serge Pepin, Vice President, Investment Strategy, BMO Asset Management Inc. "Both programs play important roles in helping Canadians save and invest in a tax-efficient manner. They complement each other and should be used in unison, so it's important that investors understand their differences."

Mr. Pepin noted that a TFSA allows Canadians to easily earn tax-free investment income to meet their savings needs. Key benefits of this registered plan include:

--  No minimum contribution required to open an account 
--  Investors pay no income tax on investment returns earned in the account 
--  There are no taxes on funds that are withdrawn 
--  TFSAs can hold a wide range of investments 
--  The federal government recently raised the annual contribution limit for
    a TFSA from $5,000 to $5,500 

An RRSP, on the other hand, is a tax-deferred savings vehicle that is designed specifically to help Canadians save for their retirement. An RRSP is also a wise investment tool because:

--  Investment growth is tax-free until withdrawn, meaning retirement wealth
    has the potential to grow faster than if invested outside an RRSP 
--  Contributions to an RRSP are typically tax deductible, lowering annual
    taxable income and income taxes payable 
--  RRSPs can hold a wide range of qualified investments 
--  Funds can easily transition to retirement income 
--  Spouses can split income to reduce their combined taxes payable 

"Ideally, Canadians should be contributing to both a TFSA and an RRSP because they each offer distinct advantages," added Mr. Pepin.

BMO offers Canadians special, limited time TFSA and RRSP promotions

To encourage Canadians to boost their savings and invest for their future, BMO has introduced special offers on TFSA Savings Account deposits and RRSP contributions:

--  Until April 30th, 2013, BMO is offering a 2.25 per cent interest rate on
    net new deposits to a BMO TFSA Savings Account - the highest rate
    currently offered by a major financial institution in Canada. 
--  Until March 1st, 2013, if you set up and maintain a new RRSP continuous
    savings plan in your BMO mutual funds account for 12 months, you will
    receive a one-time 15 per cent bonus on your first month's contribution
    (up to a maximum of $150).  

For more information on the TFSA, please visit:

For more information on the RRSP, please visit:

Get the latest BMO press releases via Twitter by following @BMOmedia.

The Pollara online survey was completed between October 11 and October 16, 2012, with a sample of 1,000 Canadians. A probability sample of this size would yield results accurate to +/- 3.1 per cent, 19 times out of 20.

BMO Mutual Funds are offered by BMO Investments Inc., a financial services firm and separate legal entity from the Bank of Montreal.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus of the mutual fund before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Media Contacts:
Rachael McKay, Toronto

Valerie Doucet, Montreal

Laurie Grant, Vancouver

Twitter: @BMOmedia

About Marketwired .
Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

Web 2.0 Latest News
I have three words for everyone in software testing: prioritize, prioritize, and prioritize. You can't test every possible permutation of your software, especially so with APIs and IoT devices where you're placing much of the user experience in the hands of integrators to your core pro...
WebRTC: together these advances have created a perfect storm of technologies that are disrupting and transforming classic communications models and ecosystems. In his session at WebRTC Summit, Cary Bran, VP of Innovation and New Ventures at Plantronics and PLT Labs, will provide an o...
Recently announced Azure Data Lake addresses the big data 3V challenges; volume, velocity and variety. It is one more storage feature in addition to blobs and SQL Azure database. Azure Data Lake (should have been Azure Data Ocean IMHO) is really omnipotent. Just look at the key capabi...
CodeBug is a cute, programmable and wearable device designed to introduce simple programming and electronic concepts to anyone, at any age. It is easy to program CodeBug using the online interface, which features colourful drag and drop blocks, an in-browser emulator and engaging commu...
Azure IoT Suite became Generally Available starting September 29. This suite consist of technologies to monitor and manage devices that come under Internet of Things. Microsoft according to Scott Guthrie provides advanced capabilites like stream processing and predictive analytics. En...
Subscribe to the World's Most Powerful Newsletters
Subscribe to Our Rss Feeds & Get Your SYS-CON News Live!
Click to Add our RSS Feeds to the Service of Your Choice:
Google Reader or Homepage Add to My Yahoo! Subscribe with Bloglines Subscribe in NewsGator Online
myFeedster Add to My AOL Subscribe in Rojo Add 'Hugg' to Newsburst from CNET Kinja Digest View Additional SYS-CON Feeds
Publish Your Article! Please send it to editorial(at)!

Advertise on this site! Contact advertising(at)! 201 802-3021

SYS-CON Featured Whitepapers