Arctic wolves are found only in the most northern areas and lemmings are located in the Northeastern Greenland, in a small rural zone between the ice sheet and sea ice pack with almost no vegetation, while many of the other animals live more wide spread across the country.
Formal trust account. A formal trust is an account that holds equity in trust for a minor, allowing you to ensure the financial well-being of your dependents. When minors reach the age of majority, they can open their own accounts and transfer the assets from their trust accounts to their new personal accounts.
If they are looking at an investment for a taxable account, will the ETF always be a better choice? Dickson: Not always, and to a certain extent, we need to, again, put this sort of in the context of what are the differences between ETFs and traditional index funds. Most ETFs are index-based portfolios. Traditional index funds historically have also been very tax-efficient in terms of providing low capital gains realizations relative to actively managed funds and so forth. So, a lot of the difference, if you will, between ETFs and index funds really isn't a difference. It's that they are both indexed portfolios and will tend to be fairly tax-efficient, all else equal, relative to more actively managed strategies.