RE:RE:RE:RE:RE:RE:RE:RE:RE:Secret smelting testsAs it is now Nov. 1st, the maximum penalty for overcontributing to your 2013 TFSA would be $110 (1% per month x 2 months x $5500). If you think KWG will be bought out before Jan 1st, 2014 and the stock price will appreciate significantly within the next 2 months, you can put your $5500 for 2014 in now and swallow the $110 tax penalty.