Looking for Teja ! PM him, Yourstruly Teja was heard in public in 2005 or way back in 1973 in movie Zanzeer,

or you can wiat a bit,

Prakash Raj wil play Teja soon in Zanzeer 2013. Watch him in theatre near you !

;-)

Self directed RESP is far better option then the pooled plan, I know lot of people who have changed the pooled plan RESP from CET, USC and Heritage to self directed one after paying couple of thousand dollars of penalties and fees and charges. Better do the proper research plan is good by the government but this scolarship companies are making healthy chunk of money on your principal investments in form of enrollment fees.