The Canada RIF is a specially designed no-fee RRIF, eligible to hold both compound interest CSB and CPB. The Canada RIF is the plan opened when you choose the RRIF option.

No. You can only transfer existing RRSP or RRIF proceeds into The Canada RIF and hold compound interest Canada Savings Bonds (the CSB and the CPB) in this plan.

Yes. If you are currently holding a CSB or CPB within The Canada RIF, you can redeem the old series (subject to their terms and conditions) and buy the new issue within The Canada RIF during any sales period (i.e. from early October to April 1). To do this, contact the Trustee in writing.

Contact the Trustee at 1 800 575-5151, Monday to Friday, from 8 am to 8 pm, Eastern Time. The toll-free number is 1 877 899-3599 for a CSB purchased through the Payroll Savings Program.

Absolutely. If you have RSPs or RIFs with other financial institutions, you can transfer them to your RIF at TD Canada Trust as long as the investments held within the RSPs/RIFs have matured or are eligible for transfer.

Yes, but only during a bond sales campaign period (i.e. from early October to April 1). Cash received during this period will be used to purchase a compound interest CSB or CPB. Please visit your financial institution to complete the transaction.

You will need to visit any financial institution selling the CSB and CPB and ask them to initiate the transfer with the financial institution that is currently administering your RRSP or RRIF. You'll need to complete a transfer request (using Transfer Form T2033 or its equivalent) and the RIF purchase application form (Form #3).

No. The only investments permitted in The Canada RIF are Canada Savings Bonds (the CSB and CPB). Therefore only transfers (in-kind) of unmatured compound interest Canada Savings Bonds held in other RRSPs or RRIFs are allowed. Other securities must be redeemed prior to the transfer, with the cash proceeds then transferred to The Canada RIF for the purchase of a CSB and/or a CPB during a sales campaign period. Only compound interest Canada Savings Bonds can be held in The Canada RIF.

Yes. You may transfer your bonds "in-kind" from The Canada RIF to other registered plans at any time. You can also redeem your Canada Savings Bonds (subject to their terms and conditions) and transfer the cash proceeds to another RRSP/RRIF. Simply contact the Trustee in writing.

Reading Is Fundamental, Inc., is the nation's oldest and largest nonprofit children's literacy organization.

Only employees on a permanent or term appointment are eligible to compete in RIF. Employees compete with each other for placement in available jobs, if any, based on their individual seniority and qualifications. Senior employees can displace or “bump” more junior employee. Management may also choose to use vacant positions as job offers, with jobs offered to the most senior qualified employees first. Veteran’s preference.

There is no timetable for individual RIFs to occur. Management will determine the appropriate time to conduct a RIF for a given unit.

If your RSP was registered as a spousal plan (i.e. your spouse contributed to the plan), the normal two-year attribution rule on the taxability of withdrawals applies to your TD Mutual Funds RIF as well, but only on amounts above the annual minimum payment amount. For example, assume your minimum withdrawal amount is $1,000 and you receive payment totaling $1,500.

We are always grateful for any offer of assistance from members of the public. However, the nature of RIF projects means that opportunities for regular volunteering are extremely limited, and it is unlikely that we will be able to match you with a project in your area. For other volunteering opportunities, find your local volunteer bureau through the National Association of Volunteer Bureaux: www.navb.org.uk, Do It: www.do-it.org.uk or timebank: http://www.timebank.org.

Assist children and their families with the fundamental resources children need to become motivated to read. Lead in the creation and development of national, regional and local collaborations building strong community-based children's and family literacy programs.

RIF programs are funded through the generous support of countless individuals, community organizations, foundations, corporations and a grant from the U.S. Department of Education.

There are many ways to donate to RIF. You can contact the development staff toll-free at 1-888-725-4801 and make a contribution over the phone. You can also visit our donation page of this website for instructions on giving online, by mail, through workplace giving, or in your will.

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Lids fulfills online Canadian orders through our partner, Borderfree (VIEW OUR SERVICE AGREEMENT). Simply add items to your order and click on the Canadian Check Out flag to complete your order. You will see your total landed price including all duties, taxes, shipping and handling charges in Canadian dollars (CDN) before you place your order.

The coverage territory of your auto policy is defined as the United States of America, its territories or possessions, or Canada. Therefore, additional coverage is not required. In most cases, no. A majority of auto policies do not provide any coverage outside of the United States (its territories or possessions, or Canada). In order to be covered, you must purchase coverage from the rental car company in the country you are visiting. However, if the country recognizes U.S.

There is no guarantee of being placed in another job. Employees bump other employees or are offered available vacancies based on their individual qualifications and seniority.

Management must give Department of Army Civilian employees a minimum 60-day notice in writing prior to separating them under RIF procedures.

The CPOC will share results of the mock RIF with the CPAC so they may advise management. The mock RIF is a management tool and is not designed for release to employees. Specific individuals will be advised of their eligibility for early PPP registration, based on the results of the mock RIF, but beyond that it is not released.

Yes. Your RSPs can be converted to retirement income at any time, but no later than the end of the year in which you turn 69.

Your income can be automatically deposited to your chequing or savings account, transferred to a non-registered investment account, or issued by cheque. We recommend that you consider the convenience of Direct Deposit to avoid postal delays and unnecessary trips to the branch.

There are tax considerations if any of your RSPs were spousal plans (that is, your spouse contributed to the plan), and contributions were made in the current or previous two years prior to converting to a RIF. The normal two-year attribution rule on the taxability of your withdrawals applies to your RIF as well, but only on amounts more than the minimum required amount.

In the event of death, the balance of your RIF can be paid in a lump sum to your surviving spouse, estate, or other designated beneficiary. RIF funds may also be transferred to the registered plans of surviving spouses, dependent children, or dependent grandchildren. Or, you can designate regular RIF income to continue to be paid to your spouse.

If you work with a group of children in an organized program already, a RIF program may be a wonderful supplement to the services you provide. You can provide the children in your program with free books and resources, motivational activities, and the parental and community support that may help them become lifelong readers.

You may schedule your program to run year-round, during the school year, or for the summer. You can organize and run your RIF site from a school, library, childcare center, Head Start program, park, community center, health clinic, migrant camp, domestic shelterâ€"virtually any place that serves children or where children gather. RIF operates in 23,000 sites in all 50 states, the District of Columbia, and all U.S. territories.