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Preet Banerjee is the author of a blog called

Tory Zimmerman/The Globe and Mail

Dreaming of a winter getaway with that RRSP refund? Or still debating whether to make a contribution?

There's no one-size-fits-all answer to your questions. Take a read of the answers Preet Banerjee gave us in an earlier online chat about how to use your refund, how to choose the right investment, and how to decide if making an RRSP contribution is the right decision for you.

Mr. Banerjee is a Globe and Mail columnist, W Network Money Expert, and blogs at Click here for an excerpt from his book on RRSP investing. He will join us on Wednesday, Feb.1 at noon (ET) for an hour and take questions.

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