Room for Improvements?

I learned a great deal of street tips from the personal finance forum here in the past year as a non-member and I thought it was about time I said thanks and shared some of my insights with everyone here in the daring hopes that they can be of some assistance. As a new member, I thought I'd start with an introduction.

I'm a young graduate student in Canada, studying Finance and Economics. I learned from some of the best academics in this country, all throughout university and now grad school. Hopefully I can contribute to this forum my views on related topics. I thought I would also include an overview of my financial details. Please let me know if there's something you think I could improve on. After all, everyone here is a real life guru. I'm not. See you around!

=================================
Accounts and Services
1. RBC No Limit Banking Chequing for Students
2. RBC High Interest eSavings CAD
3. RBC High Interest eSavings USD
4. RBC Non Redeemable GIC
5. RBC Direct Investing - TFSA
6. RBC Direct Investing - Margin
7. ING Direct THRiVE Chequing
8. ING Direct Investment Savings
9. Banner Bank Connected Checking

Credit Products
1. RBC Visa Infinite Avion (Monthly Limit of $8,000 CAD)
2. RBC Credit Line (Limit of $40,000 CAD at P+0.5%; Unsecured; Balance of 0)
3. RBC Personal Loan (2 Year 0% Car Loan of ~$40,000; Balance of ~$25,000)
4. American Express Gold Rewards
=================================