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I could be a bit off on this, but I believe it's when someone tries to make a profit off a stock where they predict the stock's price will drop.

An investor will "borrow" an amount of stocks off a...

Just a little tip but it sounds like you plan on doing wise money things with what you have left over at the end at the month. There's one key thing that you should do which is pay yourself first.
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Are you talking about GICs?[/quote]

No just my banks shitty RRSP.
I know nothing about investing so most of my money just sits in my savings account, which is making 0.75% right now.[/quote]
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Are you talking about GICs?