David and Fred discuss retirement planning. One of the most interesting questions is whether it is a good thing to take your CPP early at a reduced rate or wait until you qualify for the full pension.

Along with the discussion of pensions, Fred and David get into another lengthy discussion about financial planning with examples of when it pays to use your savings to pay off consumer debt, as well as why and how to make loans and mortgages tax deductible.

Fred has some very fixed ideas about why some people get stuck with ineffective investments and why some brokers and agents simply don't advise people the best ways to do things.

We're sure you'll enjoy this interview, especially if you are nearing retirement.

[tags: investment, retirement, CPP, mortgage, deductible_mortgage]

David and Chris Delaney have another chat about the HST and what is happening in BC with the movement to stop its implementation. 

In this interview, Chris outlines some of the contingency plans that are on the table if the Liberal government does not stop the HST on its own. These include Citizens' Initiative as well as Recall, with maybe Gordon Campbell himself the target of the recall movement.

And you can watch the original interview with Chris about the HST as well

In an unusual alliance Former SOCRED Premier Bill Vander Zalm has teamed up with Chris Delaney, former leader of the BC

UNITY Party and Carol James, present leader of the BC NDP and Vicki Huntington, the Independent who beat Wally Opal in the last election to fight the Campbell Liberals on the HST. 

David Ingram says "I am ambivalent about it.  I do NOT like the fact that I will have to charge each one of my Canadian clients 7% more BC sales tax for my services.  However, lawyers have had to charge the BC sales tax for years and maybe accountants have been getting a free ride.  Car repair shops have had to charge BC sales tax, so maybe accountants have been getting a free ride.  Upholsterers have had to charge BC Sales tax, so maybe accountants have been getting a free ride."

In this interview, Chris Delaney explains what he and Bill and Carol and Vicki and others are doing about it.  One thing is that they have to deal with the fact that the HST has been running successfully for a dozen years at least in the Maritimes and more recently in Quebec.  Ontario will be joining the same day the BC 'might' be joining, July 1, 2010.

David Ingram says "I would like to point out that the Maritimes and Quebec have Not closed up shop and it is far easier to administer ONE HST than it is a GST plus a PST with different rates and different reporting rules.  Still, If i mail a US return out of the country, I do not need to charge GST.  If i mail a US return out of the country, are the rules going to change so that I now have to charge 13%.  I am interested as well."

David and Roger McAfee talk about Roger's practice of labour law, including some insights into what makes a good employee and what makes a good employer.

Along with the discussion of labour law, David answered a phone-in question about being an alien resident Canadian in the United States. During the answer David discusses the various options for visas including TN (Treaty NAFTA) and H1B as well as what you can and can't do when you have each type of visa.