RRSPs don't have to be converted to RRIFs or annuities in the year you turn 71, but in the year the younger of you or your spouse turn 71.

And when are you going to fix this lousy text tool that apparently cannot handle typing at a rate of over 40 words per minute? 

Isn't The Globe always preaching that time is money (laughable, by the way, that you're offering a whole $25 gift card if print subscribers come to you in Toronto and give you an hour of their time)?

It's really not worth participating in these forums when it is such a tortured experience.