UA-300188601-1 The Dividend Girl: July 2011

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Friday, July 29, 2011

Newest member of the Sprott Asset Management LP family: the Sprott Strategic Fixed Income Fund (SFI.UN)

Since I am pretty much fully invested, I don’t have that much money available to invest when good opportunities present by themselves or when new interesting financial product comes on the market. The Sprott Strategic Fixed Income Fund (SFI.UN) is one of those opportunities. While being in vacations, I am more or less disconnected, so I did not notice this new Sprott product until today. But SFI.UN had been launched just last week.

On July 19, Sprott Asset Management LP, who now manage 10$ billion in assets, had closed the initial public offering of Sprott Strategic Fixed Income Fund (SFI.UN). SFI.UN started its journey with 210$ million.

The Sprott Strategic Fixed Income Fund (SFI.UN) was launched at 10$ per unit. Today, despite the fact that the stock markets, US and Canadian, are both in bad shape, well, that doesn’t seem to bother the Sprott Strategic Fixed Income Fund (SFI.UN). Not at all. Currently, or should I say 20 minutes ago, SFI.UN trades at 10$ per unit. The fund is related to the fixed income, something very conservative and mostly made for seniors who don’t want to deal with too much risk under this market ultra volatility.

Myself, as part of fixed income, I own some GICs. I also own some units of the CIBC Monthly Income Fund, which is part of the fixed income family. Major part of my portfolio is invested in stocks. So adding a fixed income to my non-registered portfolio could be a good way to diversify the asset, but also, add something strong and stable in the value. Also, Sprott Strategic Fixed Income Fund (SFI.UN) units are diversified in themselves, meaning the money of the fund is diversified in different companies.

The Sprott Strategic Fixed Income Fund (SFI.UN) is actively manage, a bit like a mutual fund but in much better because SFI.UN units can be purchase just the way you purchase stocks. And from my understanding, the Sprott Strategic Fixed Income Fund (SFI.UN) will proceed with dividend distribution of 6% per year. And it’s been said: “to begin with”. Depending of the success of the fund, SFI.UN may eventually increase its dividend. But for now, a 6% yield is quite good. And on top of that, SFI.UN will proceed with monthly distribution! Isn’t that fantastic? Also, the fund dividend distribution offer a tax advantaged basis.

A 1 000$ investment in the Sprott Strategic Fixed Income Fund (SFI.UN) would provided a monthly income of... 5$. And a 2 000$... 10$. Gotha loves the stuff.

The US Republican Tea Party is destroying the economy worldwide


The non-registered part of my portfolio closed yesterday session at 109 730$, leaving me at 20 890.44$ on my margin account. Not too bad, knowing what’s on right now in the States. I find the Tea Party members really immature. John McCain is not showing great leadership and it’s a real good thing that the idiot did not win the last US elections. However, I heard a good speech of him at the news, saying that the Tea Party members who are also in the Congress were young in their jobs and that they needed to follow advice of older Republican Congress members. This is good for John McCain. 

A question still remain: how long will it take to go through a complete agreement? We need to remember the Tea Party members as a bunch of little idiots. The US destroys the economy in 2008 and they are doing it again today. Nothing to be very proud of. As you can imagine, I am following all this the best I can but in front of a big market correction, I won’t be able to do that much. As said previously, my best advice will be to HOLD, especially if you don’t need the money for another 5 to 10 years, which is my case.

I hope the Republicans are happy of themselves because right now, the TSX is under the 13 000 points. In results, my non-registered portfolio is now at 109 290.39$. It’s not that bad, but the day is not over yet and there could be deeper loss but usually, everything get pretty much set in the morning. I am down to 109k right now, but what about next Monday and the days after? Once an agreement is being take in the US, the TSX may jump back to the old 13 000 points but still, it remain far from the 15 000 points of 2008.

Seem to be better now, my portfolio reached 109 463.32$. That was 20 minutes ago. I may go through this day without a margin call. And after, its going to be the weekend and Monday latest, I am hitting back, unfortunately, to Montreal. Got to work still. Its not going to be a Stop Working for me anytime soon. I spend hundreds of dollars and I am very happy about it.

Thursday, July 28, 2011

On how the US debt crisis is affecting my investment portfolio

I was sad to learn that Jack Layton has a new cancer. Like if one was not enough. I hope for a quick come back. And just to make things worse, yesterday, the stock market took a deep plunge! My non-registered portfolio closed yesterday session at 109 945$. This amount left me with more than 21k on my margin account. I lost close to 4k in one day of trading, can you believe that... Usually, my portfolio is around 113k and, in very good days, it goes up to 115k. If only the US could deal with their debt problem properly, I wouldn’t be in that shit right now. No taxes for the richest? TAX AND TAX NOW AND IN DEEP!

I mean, Obama is so courageous. We need to respect the man who’s battling with the Republican PIGS. I am for a capitalist system, but it need to done with respect. And not taxing the richest people of the States is kind of evil. It’s the evil side of the capitalist system in the US. We are pigs, we want more, don’t tax us. Paris Hilton and the bunch of other dummies living richly in the States for no reason at all need to pay more taxes. It could be part of the solution, that and cutting unnecessary spending, froze government salaries. For me, the solution is quite easy actually. August 2 is coming and no decision had been taken.

The credibility of the US that is taking a slap. And in result, the Canadian dollars reached 1.06$. Despite it all, I don’t think the Canadian dollars will remain this strong forever. I was very tempted to transfer another 1 000$US in my US broker account but I need to keep the money where it is, in case, you know, of a very in deep correction.

At this time, investors, the good and the bad ones are all in the same boat... Not that I am suffering from this. I am use to the market volatility. It goes up and down most of the time, that’s how it goes. I am doing fine for now, but if no agreement is being vote in the US, well, I could face a margin call. In case of great needs, I have money I can take on my credit cards and 6 000$ available on credit lines... But of course, the interest rate on the credit cards is of 19% or something like it. Susan Brunner suggests to get a credit line, it make a lot of sense. Maybe TD will be kind enough to increase my credit line. I did not take any actions yet, I am just thinking and while facing the devastation, I am not doing much. This is being said, I think that the fact that I am in vacations is not playing in my favor either. That and the devastation.

However, the devastated stock market is not that devastated. Just for me, the Toronto Stock Exchange is up of a couple of points and in result... TADAMMMM... my super super non-registered portfolio is at 110 161.14$. I may go through this, but without any decision being taken on the US debt, my portfolio value could significantly decrease. This is the situation being live by every single retail investors at this time. All in the same boat.

What will make a difference at the end is the reaction of the investors while facing the crisis. Under no circumstances asset should be sell. We saw that in 2008, there’s been a sudden plunge, and then again, the market goes up again. I totally recover from that crash, but it been hard. This time could be worse and I wonder how deep it can go. But today, the stock market gain points just for me :0)

Sunday, July 24, 2011

Directly from New Brunswick

My vacations so far had been very great, but I had been shocked to learn the dead of Amy Winehouse. It something that really touch me. A Quebec journalist once wrote a couple of weeks ago that Winehouse career was over following the slop of her latest comeback. Well, it wasn’t her career that was over, but Amy life was over. But there was such that great powerful voice coming out of her. And that enigmatic, so charming, delicate personality.

Amy Winehouse was a shining star, but her drug and alcohol addiction ruined it all and it’s something very unfortunate. It must be very hard for her family. Addiction to drugs and alcohol is a disease and it’s something extremely difficult to fight. I never been an addict myself, but I have a deep sense of what it might be and truly, the dead of Amy is a big lost. No one should blame her immediate family for her dead. Addiction is one of the worst diseases ever. Drugs and alcohol addiction is a modern disease that destroyed too many lives. Personally, it’s one of the reasons why I am totally against the legalization of marijuana or any other type of drugs. We should not make drugs accessible. Not at all. A society has the responsibility to protect individuals, not to destroy them. But that’s something Amir Khadir cannot understand.

Another very sad event was the shooting in Norway. Too many dies and for what purposes? The killer was an extremist. Better be aware and protect ourselves from extremist individuals. In Canada, we have Amir Khadir. I am not saying that Amir Khadir is about to get guns and open fired BUT, just like the Norway killer, Amir Khadir is an extremist who needed to be control before it’s too late and before Amir Khadir started destroying the Canadian country.

It would be too complicate for Amir Khadir to defend the rights of the middle class and the poorer. He doesn’t want to defend the direct interests of the district of Mercier. Instead, Amir Khadir defends the interests of people we don’t know anything about: the Palestine. Amir Khadir is a lazy man who doesn’t care about the interests of Canadians. Amir Khadir had been living in Canada since his young age; I don’t think he specially knows what’s really going on in Palestine. Taking defense of a country instead of another one is not his job. That’s NATO job. It’s not the job of a racist immigrate who said about the Prince William and the Duchess of Cambridge that they are parasites. Canada owns a lot to England. We have the country that we have today because our strong British heritage. I don’t think any Canadians would have live to be under France. There’s a lot of French of France that immigrate in Canada, stealing jobs belonging to French Canadians because, well, want to do? France is a lot like Quebec province: both extremely weak, no common sense, extremely stupid and arrogant. Never put your trust in French of France, never put your trust in Quebeckers. That way, you’ll save yourself a lot of miserable time.

Latest example would be in the evil Dominique Strauss-Kah. French arrogant politician who has sexually abuse a New York hotel employee. Ok, you’ll say, he has not been find guilty. I know those French idiots by heart. No need to get a jury, no need to get a judge. I am the judge, I am the jury and I am telling you right now: Dominique Strauss-Kah is guilty. I applause the courage of Nafissatou Diallo for her coming out. Dominique Strauss-Kah is a big pig and he’s going to pay. It wasn’t the first time he was committing sexual crimes. In France, he got cover. But in the USA, no one is going to help him this time and he’s going to pay, this time! 

In France, Carla Bruni got pregnant from Nicholas Sarkozy just to make diversion on her husband very very bad leadership. French AND Quebec people are PIGS. Get that in your head, move straight forward and no one will be able to stop you from being successful. As Prime Minister, Stephen Harper doesn’t do enough to protect Canadians from the menace.

And see what France had done with Africa, Haiti: terror and destruction. French Canadians living outside Quebec need to be aware of those distinctions between France and England, Quebec and Canada. We need to protect our society so things like in Norway don’t happen here in Canada. Stephen Harper voice is not strong enough and I don’t think Stephen Harper is a warrior. I don’t think Stephen Harper care in deep about Canada. I don’t think Stephen Harper can protect this country. We need to take care by ourselves, be aware and become extremely sensible to our social environment. In that sense, Quebec separation from Canada would be at the advantage of Canada.

And by the way, what’s Amir Khadir contribution to Quebec society? Try to figure it out! Personally, I don’t care because I am a New Brunswicker, but there are questions that Quebeckers need to ask themselves. And fact is, Quebeckers are not courageous enough to go through in deep of their social disease. Instead of fighting for things that don’t have any interest for Canadians, Amir Khadir needs to study the reality he live in. Like immigrate who had been doctors in their country, try to practice in Quebec province. The Collège des médecins make things impossible for them. I personally know a Haitian who was a pediatrician in her country. She left Haiti with her children following the terrible earthquake. Well, you know what? That doctor was working with me, at the same position as mine in a Montreal call center. Is that supposed to be fair? She did all she could to practice in Quebec, but the Collège des médecins made things impossible for her.

After a couple of months of working in a call center, that brave lady left Quebec province to go back in her country. When she told me good-bye, that she was moving back to Haiti, I cried because I was totally in pained. I told her that Quebec government was a shame, that I was in pain to see her leaving, that I would have like to do something for her but I didn’t know what to do. I told her that it was better to leave to practice as a pediatrician rather than living in a province that does not respect her rights. I explained her – even before – that I was from New Brunswick, that there are French communities out there and that maybe things could be easier for her in New Brunswick. I never knew if she had done some search for practicing in New Brunswick, but when she left, I told myself that I wasn’t going to stay in Quebec province for long.

Amir Khadir is not strong enough to handle real Quebec life situations. He’s a doctor himself, he could do something to make things easier for foreign doctors who want to relocate in Quebec province – but hey, Amir Khadir is way too lazy for that. Instead, the jerk prefers to insult our monarchy and prefer to appear in the spotlight. No real work is being done by Amir Khadir. It’s about time for Quebeckers to wake up. Don’t you think so?

The role of a politician is to defend the interests of its people, not to play NATO role, and not to offend Canadians and our monarchy. That’s all I have to say for now. Enough of the bullshit.

Friday, July 22, 2011

And how about a dividend boost for the summer?

The weather had been very great for the first couple days of my vacations. But for the last couple of days, it’s been raining and I had been working at this post while being stuck inside. But I am enjoying myself, especially knowing that the weather is extremely hot in Montreal. So it’s a real blessing to be here in New Brunswick, far away from the extreme heat. I go crazy when the weather is hot, I cannot stand the heat. So far, the summer has been good in Montreal, but right now, it’s awful and I am very please, extremely pleased to be away, to be here in my X hometown in New Brunswick.

These last couple days had been very good for my portfolio. My non-registered portfolio closed today session at more than 113k, so I am very please, I don’t have to stress over my margin affair. I know that I have more than 22k left on the margin account and that I am safe.

Since its raining and that I am stuck inside watching Radio-Canada (since it’s the only channel we get here – my Chatr Wireless cell phone barely cap the network...) with my laptop on my side, I decided it was time to make it happen. I decided to review the asset mix of my portfolio in order to maximize the dividend income.

So here it is, the BEFORE - my investment portfolio the way it is now. This meaning that I exposed my dividend income the way it is at this time. I had excluded the special dividend payment from the calculation:

Current non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII)
Dividend yield: 1.38%, 0.12$
Dividend distribution: 122.40$

Timminco (TIM)
Dividend yield: None

Blue Note Mining (BNT)
Dividend yield: None

Bank of Nova Scotia (BNS)
Dividend yield: 3.71%
Dividend distribution: 222.56$

Hanwei Energy Services (HE)
Dividend yield: None

Methanex Corporation (MX)
Dividend yield: 2.26%, 0.65$
Dividend distribution: 66.95$

Fortis (FTS)
Dividend yield: 3.62%, 1.16$
Dividend distribution: 124.12$

Pembina Pipeline Corporation (PPL)
Dividend yield: 6.03%, 1.56$
Dividend distribution: 694.20$

Just Energy Group Inc. (JE)
Dividend yield: 8.88%, 1.24$
Dividend distribution: 809.72$

Pengrowth Energy Corporation (PGF)
Dividend yield: 6.90%, 0.84$
Dividend distribution: 183.96$

Enbridge Income Fund Holdings Inc. (ENF)
Dividend yield: 6.14%, 1.15$
Dividend distribution: 373.75$

Corby Distilleries Limited (CDL.A)
Dividend yield: 3.40%, 0.56$
Dividend distribution: 57.68$

Davis + Henderson Corporation (DH)
Dividend yield: 6.42%, 1.20$
Dividend distribution: 248.40$

Premium Brands Holdings Corporation (PBH)
Dividend yield: 7.76%, 1.18$
Dividend distribution: 497.96$

EnCana Corporation (ECA)
Dividend yield: 2.67%, 0.76$
Dividend distribution: 154.28$

iShares S&P/TSX Capped REIT Index (XRE)
Dividend yield: 4.89%, 0.74$
Dividend distribution: 113.96$

Horizons Gold Yield Fund (HGY.UN)
Dividend yield: 6.57%, 0.65$
Dividend distribution: 130$

Canfor Pulp Products Inc. (CFX)
Dividend yield: 9.09%, 1.60$
Dividend distribution: 163.20$

New Flyer Industries Inc. (NFI.UN)
Dividend yield: 10.75%, 0.86$
Dividend distribution: 178.88$

Capital Power Income L.P. (CPA.UN)
Dividend yield: 9.04%, 1.76$
Dividend distribution: 176$

Exchange Income Corporation (EIF)
Dividend yield: 7.55%, 1.62$
Dividend distribution: 492.48$

Rogers Sugar Inc. (RSI)
Dividend yield: 6.30%, 0.34$
Dividend distribution: 103.36$

Student Transportation (STB)
Dividend yield: 8.85%, 0.56$
Dividend distribution: 114.24$

Colabor Group Inc. (GCL)
Dividend yield: 12.42%, 1.08$
Dividend distribution: 226.80$

TMX Group Inc. (X)
Dividend yield: 3.70%, 1.60$
Dividend distribution: 161.60$

Data Group Income Fund (DGI.UN)
Dividend yield: 14.05%, 0.65$
Dividend distribution: 406.90$

K-Bro Linen Inc. (KBL)
Dividend yield: 5.16%, 1.10$
Dividend distribution: 110$

Westshore Terminals Invest Corp (WTE.UN)
Dividend yield: 6.29%, 0.96$
Dividend distribution: 192$

WesternOne Equity Income Fund (WEQ.UN)
Dividend yield: 9.39%, 0.60$
Dividend distribution: 228$

Atlantic Power Corp (ATP)
Dividend yield: 7.13%, 1.09$
Dividend distribution: 109$

Horizons BetaPro COMEX Silver Bear Plus ETF (HZD)
Dividend yield: None

First Majestic Silver Corp (FR)
Dividend yield: None


Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV)
Dividend yield: None

Tax-free savings account (TFSA):
EnerCare Inc. (ECI)
Dividend yield: 8.13%, 0.65$
Dividend distribution: 1.95$

Dumont Nickel Inc. (DNI)
Dividend yield: None

Sprott Physical Silver Trust UTS (PHS.U)
Dividend yield: None

TOTAL of dividend income: 6 464.35$

And here’s the AFTER. This is a portfolio model that could eventually boost my dividend income. I took the same sum of money and reinvested it in order to increase the dividend income. The stock with the mention NEW are new addictions to my portfolio. I did not invest in the stocks who had mention NEW yet. It was only an exercise in order to increase my dividend income with what I currently have in money. This is what I had came with:

Current non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII)
Dividend yield: 1.38%, 0.12$
Dividend distribution: 48$

NEW: TransCanada Corp (TRP)
Dividend yield: 4.19%, 1.68$
Dividend distribution: 100.80$

NEW: Inter Pipeline Fund (IPL.UN)
Dividend yield: 6%, 0.96$
Dividend distribution: 144.96$

Timminco (TIM)
Dividend yield: None

Blue Note Mining (BNT)
Dividend yield: None

Bank of Nova Scotia (BNS)
Dividend yield: 3.71%, 2.08$
Dividend distribution: 208$

NEW: Bell Aliant Inc. (BA)
Dividend yield: 6.728%, 1.90$
Dividend distribution: 191.90$

Hanwei Energy Services (HE)
Dividend yield: None

Methanex Corporation (MX)
Dividend yield: 2.26%, 0.65$
Dividend distribution: 34.45$

EnerCare Inc. (ECI)
Dividend yield: 8.244%, 0.648$
Dividend distribution: 134.14$

Fortis (FTS)
Dividend yield: 3.62%, 1.16$
Dividend distribution: 66.12$

NEW: Chorus Aviation Inc. (CHR.B)
Dividend yield: 11.928%, 0.60$
Dividend distribution: 194.40$

Pembina Pipeline Corporation (PPL)
Dividend yield: 6.03%, 1.56$
Dividend distribution: 694.20$

Just Energy Group Inc. (JE)
Dividend yield: 8.88%, 1.24$
Dividend distribution: 809.72$

Pengrowth Energy Corporation (PGF)
Dividend yield: 6.90%, 0.84$
Dividend distribution: 183.96$

Enbridge Income Fund Holdings Inc. (ENF)
Dividend yield: 6.14%, 1.15$
Dividend distribution: 373.75$

Corby Distilleries Limited (CDL.A)
Dividend yield: 3.40%, 0.56$
Dividend distribution: 57.68$

Davis + Henderson Corporation (DH)
Dividend yield: 6.42%, 1.20$
Dividend distribution: 248.40$

Premium Brands Holdings Corporation (PBH)
Dividend yield: 7.76%, 1.18$
Dividend distribution: 497.96$

EnCana Corporation (ECA)
Dividend yield: 2.67%, 0.76$
Dividend distribution: 78.28$

NEW: Innergex Renewable Energy Inc (INE)
Dividend yield: 5.66%, 0.58$
Dividend distribution: 167.62$

iShares S&P/TSX Capped REIT Index (XRE)
Dividend yield: 4.89%, 0.74$
Dividend distribution: 74$

NEW: Sentry Select Primary Metals Corp. (PME)
Dividend yield: 9.307%, 1.02$
Dividend distribution: 74.46$

Horizons Gold Yield Fund (HGY.UN)
Dividend yield: 6.57%, 0.65$
Dividend distribution: 130$

Canfor Pulp Products Inc. (CFX)
Dividend yield: 9.09%, 1.60$
Dividend distribution: 163.20$

New Flyer Industries Inc. (NFI.UN)
Dividend yield: 10.75%, 0.86$
Dividend distribution: 178.88$

Capital Power Income L.P. (CPA.UN)
Dividend yield: 9.04%, 1.76$
Dividend distribution: 176$

Exchange Income Corporation (EIF)
Dividend yield: 7.55%, 1.62$
Dividend distribution: 492.48$

Rogers Sugar Inc. (RSI)
Dividend yield: 6.30%, 0.34$
Dividend distribution: 103.36$

Student Transportation (STB)
Dividend yield: 8.85%, 0.56$
Dividend distribution: 114.24$

Colabor Group Inc. (GCL)
Dividend yield: 12.42%, 1.08$
Dividend distribution: 226.80$

TMX Group Inc. (X)
Dividend yield: 3.70%, 1.60$
Dividend distribution: 40$

NEW: Computer Modelling Group Ltd. (CMG)
Dividend yield: 6.432%, 1.64$
Dividend distribution: 205$

NEW: IBI Group Inc. (IBG)
Dividend yield: 8.076%, 1.104$
Dividend distribution: 131.38$

Data Group Income Fund (DGI.UN)
Dividend yield: 14.05%, 0.65$
Dividend distribution: 406.90$

K-Bro Linen Inc. (KBL)
Dividend yield: 5.16%, 1.10$
Dividend distribution: 110$

Westshore Terminals Invest Corp (WTE.UN)
Dividend yield: 6.29%, 0.96$
Dividend distribution: 192$

WesternOne Equity Income Fund (WEQ.UN)
Dividend yield: 9.39%, 0.60$
Dividend distribution: 228$

Atlantic Power Corp (ATP)
Dividend yield: 7.13%, 1.09$
Dividend distribution: 109$

NEW: IBI Group Inc. (IBG): 2 608$
190 stocks
Stock price: 13.67$
Dividend yield: 8.076%, 1.104$
Dividend distribution: 209.76$

NEW: Veresen Inc (VSN): 1 895$
135 stocks
Stock price: 13.96$
Dividend yield: 7.15%, 1$
Dividend distribution: 135$


NEW: AGF Management Limited (AGF.B): 2 541.83$
140 stocks
Stock price: 18.06$
Dividend yield: 5.98%, 1.08$
Dividend distribution: 151.20$

EnerCare Inc. (ECI)
Dividend yield: 8.13%, 0.65$
Dividend distribution: 1.95$

NEW: Calian Technologies Ltd. (CTY): 2 053.83$
105 stocks
Stock price: 19.50$
Dividend yield: 5.128%, 1$
Dividend distribution: 105$

NEW: Northland Power Inc. (NPI): 2 053.83$
124 stocks
Stock price: 16.44$
Dividend yield: 6.622%, 1.08$
Dividend distribution: 133.92$

TOTAL of dividend income: 8 126.87$

The goal of the exercise was to reorganize the portfolio in order to maximize the dividend income. In the BEFORE part, I did not count the special dividend because special dividends are what they are. 2011 has been a great year for Sprott Inc. (SII) special dividend, but the same situation may not happen again in 2012. I wanted to keep it real and just go with the normality.

With this transformation, I was able to boost my dividend income of 1 662.52$. You’ll notice some of Susan P. Brunner stocks in the list. Once, again, I went through her stuff! At 8 126.87$, the annual dividend income is quite interesting. I do not plan to apply the “AFTER” portfolio at this time, it was just a fun exercise to do, while it was raining outside...But it’s quite interesting to see that with a few minor transformations, I am able to exceed the 8k in dividend distribution.

Monday, July 18, 2011

Big bucks to be made on First Majestic Silver Corp (FR)

I am currently in vacations in New Brunswick and I am having a great time. Since last Saturday when I arrived, the weather had been beautiful. I had been trying to relocate here in New Brunswick and today, my mom asked me, but if you move back here (X town in New Brunswick), won’t you miss Montreal? After all I gone through there, it would be a blessing for me to relocate. Quebec province is very evil and Quebeckers suck in all possible ways. So why should I stay in a province where I am not even respected as an individual? Ask me why.

Since I have access to the Internet, I follow up on my investments even while being here. I like to see Sprott Inc. (SII) to gain in value. Atlantic Power Corp (ATP), as well as WesternOne Equity Income Fund (WEQ.UN), are performing very well.

But among my best performers of the time, we find First Majestic Silver Corp (FR). Back in May, my initial investment in FR was of 1 943.99$. FR closed today sessions at a very impressive 23.48$. I could make a profit of more than 300$ by selling FR. This is quite tempting to do at this time knowing that I would eventually need to pay my vacation expenses by next month...

BUT, I truly believe that First Majestic Silver Corp (FR) has potential to gain even more in value and that’s why I am not moving on it right now. But these last couple days had been quite exciting for silver investment. So far so good, my margin account has still more than 22k available. I can breathe. At least for now.

Friday, July 15, 2011

Hello, beautiful summer time

It’s been kind of a crazy week I am telling you! I tried to get all of my things done before going to vacations: paying my bills and my bus ticket, a little bit of shopping. At a point, I was almost desperate when I couldn’t find my bathing suit, but I finally find it, it was somewhere in my bunker box. My one and half apartment is well located in the Plateau Mont-Royal, closed to Mont-Royal Avenue, Park Lafontaine and St-Laurent Boulevard. It’s the dream location, but the dream comes with a price and a tinny space to live in. It’s not that bad. With a bit more of organization, I could make it more enjoyable but I never care about getting my apartment in order. When my mom came last February, she brought a TV and some stuff she wanted to install for the windows. It’s cute yes, but the TV is taking places and I never watched it anyway.

You absolutely have the read the exchange I got with John under My Debt section. John is an accredited investor that got the privilege to meet Jean-François Tardif while he was a hedge fund manager for Sprott. If you don’t know who is Jean-François Tardif, click here. The article would need to be refresh and/or proofread, but it’s something I keep as an ongoing project.

In the meantime, this is my last day of work before going in vacations! I am exciting! And I realize, while looking everywhere for my bathing suit, that I may not have go swim for quite sometimes. Time passing by like if I would be on a jet plane. And it’s not like I am going a lot but all mix together, I have even more than you can imagine to handle right now. The beautiful weather is making it even harder. And we got that beautiful wind downtown Montreal right now. LOVE it.

Remember that I wanted to make a deposit of 2 000$ on my 10 000$ credit line? Well, it did not happen for several reasons. I had spend some money and I am certainly at something like 1 000$ in expenses of all sort. Nothing I cannot pay off, but this mean there won’t be any new investment certainly not before the end of the summer lol! What I did with the money? I had bought some clothes, been eating out a lot, went to the movies, etc. etc. etc. :0) Just because it’s the summer. So what I did with my paycheck of yesterday is that I made a 1 000$ deposit on my margin account. When I come back from vacations, I will see how thing goes and following what I may place that 2k deposit on the 10k credit line. But that 2k deposit is no big deal and is not really important. Since I won’t be around that much to follow my portfolio, I prefer to keep the money on the margin for the time I am away. I will be able to follow the market anyway, but it’s not like I will be in front of my computer from 9:30AM to 4PM. Not!!!

Currently, my non-registered portfolio is almost at 112k, which is very good. I had received some interesting dividend! You can check them out here.

Watch out! Silver is (AGAIN) rocking the place!

Other than that, my silver investments are doing well! First Majestic Silver Corp (FR) is exceeding the 21$, Sprott Physical Silver Trust ET (PSLV) is getting closer to the 22$ of the BEFORE silver crash... PSLV is at 18$+, as well as the Sprott Physical Silver Trust UTS (PHS.U). Those are good signs that things are getting better BUT, I still stuck with the Horizons BetaPro COMEX Silver Bear Plus ETF (HZD). Good to me, I learn my lesson. No more day trading like this. It was about time because I began to regret selling my units of Enercare hold in my TFSA just to trade silver on PHS.U. But I won’t regret anything because here how it went:

In my TFSA, my original investment in PHS.U was of 3 114$. The same investment now worth more than 3 500$. Some people had aggressively dispute my silver investment in the past here in blog comments. But you now have the proof that I was right and YOU were wrong. You got to know who is Eric Sprott. Eric Sprott was right about silver and was right about almost everything. In my mind, Timminco is just a souvenir. I am just hoping this will continue this way. Let’s welcome the silver $$$!

My investment in Sprott Physical Silver Trust ET (PSLV) is more recent than PHS.U. My initial investment in PSLV was of 3 075.16$ and is now of 2 857.40$. I made my first investment in PSLV shortly before the silver crash, this explains why. I also invested a second time in PSLV when the units were at something like 16$. So a mix of 22$ + 16$ units help to re-establish the value of the investment.

It’s just very unfortunate that a silver crash has to happen, but I am confident I will be able to cash big again on silver. This time, I am leaving the silver where it is, I won’t trade it as much as before. BUT trading PHS.U had been very very fun!

Special mention to Horizons Gold Yield Fund (HGY.UN)

I had been holding Horizons Gold Yield Fund (HGY.UN) since their initial public offering. I had purchased my units at 10$ each. But since the moment HGY.UN hit the market, the investment never hit back – or barely never – got back to the 10$ per unit. I had been happily receiving my 10$+ in dividend distribution, but my investment in Horizons Gold Yield Fund (HGY.UN) never gained some value. But today, a “miracle” happens: Horizons Gold Yield Fund (HGY.UN) hit the 10$ per unit! This is happening because I am going on vacations. That’s why ok. I am thinking about selling a part of my HGY.UN holding right now but I won’t.

It’s now official, Horizons Gold Yield Fund (HGY.UN) closed Friday July 15, 2011 session at 10$ per unit! It was about time. Thank you HGY.UN. THANK YOU. :0)

Have a nice summer, I am going away for 2 weeks. I may or may not blog during that period. Thanks for your patience. In the meantime if you miss me, you can read all over from 2007 to present :0) Summer time is always too short. Bye for now.

Sunday, July 10, 2011

My Best-Performing Canadian Stocks Year-to-Date

Difficult to realize, but already half of 2011 just passed by just like that, just way too quickly! So far, 2011 had been a very good year. My dividend had increased significantly and I can easily see myself earning the equivalent of 700$ per month from dividend income I wish, by the end of 2011. But the dividend income is not on what I focus on anymore.

I came across this nice article in which is being ranked the best Canadian stocks. Some of my stocks are making the list! Yeah! Here they are, my marvelous, I love you:

Rank 74: First Majestic Silver Corp. (TSE:FR) 38.7%
Rank 119: Canfor Pulp Products Inc (TSE:CFX) 28.6%
Rank 152: Exchange Income Corporation (TSE:EIF) 22.7%
Rank 173: TMX Group, Inc. (TSE:X) 19.5%
Rank 187: Pembina Pipeline Corp (TSE:PPL) 18.4%
Rank 192: K Bro Linen Inc (TSE:KBL) 18.0%
Rank 213: Enercare Inc. (TSE:ECI) 15.3%
Rank 231: Premium Brands Holdings Corp (TSE:PBH) 13.8%
Rank 248: Timminco Limited (TSE:TIM) 12.1%
Rank 323: Capital Power Income LP (TSE:CPA.UN) 8.1%
Rank 369: Enbridge Income Fund Holdings Inc (TSE:ENF) 6.1%
Rank 385: Student Transportation Inc. (TSE:STB) 5.3%
Rank 404: Atlantic Power Corporation (TSE:ATP) 4.3%
Rank 446: Westshore Terminals Investment Corp (TSE:WTE.UN) 2.7%
Rank 468: Emera Inc. (TSE:EMA) 1.6%
Rank 469: Methanex Corporation (TSE:MX) 1.6%
Rank 471: Sprott Inc. (TSE:SII) 1.4%
Rank 477: EnCana Corporation (TSE:ECA) 0.8%
Rank 480: Rogers Sugar Income Fund (TSE:RSI) 0.6%
Rank 485: Corby Distilleries Ltd. (TSE:CDL.B) 0.4%
(I own the CDL.A but I am adding Corby in here anyway)
Rank 560: Davis + Henderson Income Fund (TSE:DH) -1.8%
Rank 592: Pengrowth Energy Corp (TSE:PGF.UN) -3.1%
Rank 602: Just Energy Income Fund (TSE:JE) -3.5%
Rank 625: Fortis Incorporated (TSE:FTS) -4.4%
Rank 866: Colabor Group Inc (TSE:GCL) -21.1%
Rank 880: The Data Group Income fund (TSE:DGI.UN) -22.9%
Rank 922: New Flyer Industries Inc. (TSE:NFI.UN) -28.1%
Rank 1036: Hanwei Energy Services Corp. (TSE:HE) -44.9%

Luckily, most of my stocks are performing well. I was quite surprised to see Fortis (FTS) at -4.4%. In my case, this bad result for the first part of 2011 does not affect me because I had made my investment in Fortis a long time ago, when the stocks were at 27$. From my point of view, PGF had performed well so far for 2011. As for JE, the title is always a bit volatile, but it delivers well. It’s not because a stock is not among the top performers of the first half of 2011 that it’s not a good stock to hold. The market can be quite rough and companies being companies, sometimes, it only takes one small event to destroy all good return.

Take for example the case of Data Group Income Fund (DGI.UN). DGI.UN was relatively stable until technical stock analyst Jeff Parent of the Quadrexx Asset Management badly ranked DGI.UN. Anyhow, you know, sometimes, stuff happen and personally, I prefer to have a portfolio ultra diversify in many companies and in different sectors rather than holding just 6 to 8 companies inside one portfolio. But that’s being, of course, my own preference.

Overall, my non-registered portfolio is doing well. I closed last Friday session at more than 113k, leaving more than 22k in margin cash. I will be leaving for my vacations this next weekend. I probably won’t trade again until the end of the summer, so I taught of transferring 2 000$ from my margin account at 4.25% to my 10 000$ RBC credit line at 7.52%. By doing so, I would be saving 5.45$ per month in interest money. Not a huge amount of course, but it get quite interesting knowing that this week, I will probably be good to make another 1 000$ deposit coming from my own funds. This bring the saving to 11.72$ per month. It’s kind of funny to be talking about saving right now because I had been spending a lot these days and I plan to spend even more for various reasons, you know, vacations and shopping.

Hope you are enjoying your summer because I am enjoying mine. :0)

Friday, July 8, 2011

Be ready for serious business with First Majestic Silver Corp. (FR)



This is a gig from the B52s you can listen to while reading! I was so happy to see the concert of the B52s at the Montreal Jazz Festival, you cannot simply imagine. It was magical and the crowd was HUGE.

Ok, so here we are: despite the fact that First Majestic Silver Corp. (FR) doesn’t pay any dividend, I had been holding Fr for quite a while now. I first start by day trading the title. Following what, I found out that First Majestic Silver Corp. (FR) was producing the purest silver of the whole wide world! Again, this is HUGE!

Just like expected, First Majestic Silver Corp. (FR) is seriously kicking some a in the Canadian silver mines! Yesterday, First Majestic Silver Corp. (FR) announced, among other things, that it’s silver production increased by 16%! HUGEEEEEEE!!!! Yeeeeeeee! Remember Eric Sprott, silver is a CURRENCY. FR increasing its silver production = big bucks for ME and for YOU if, of course, you had been smart enough to invest in FR! The money? Take it from your margin account and voilà, you are about to turn into a future millionaire listening to B52s all freaking day long! Isn’t a nice way to start the weekend! TD Waterhouse rank FR a BUY, from my understanding.



Another one of the B52s... Just another one... Chachacha. In my fifties, I want to be hot and wear miniskirts just like the girls of the B52s. If you don’t like silver and if you don’t like the B52s, there might be something very wrong with you. (The videos are from ME). I know, its kind of very good!!! Probably the best concert of my 30 years of life! Ever. 

;)

$$!!!$$

(FR could hit the 30$ per stock on a later date).

How to get the best credit score ever: get it with the margin account gangster style

This is the kind of stuff your banker absolutely don't want you to know... So better read this! It's a secret report!

This happen a little while ago, when I present myself at RBC Royal Bank Branch located downtown Montreal at Ville-Marie. Once again, I had forgotten my PIN, and needed to have it reset. Following what, the cashier tell me that I had a good account, that I may qualified to get more credit or get something else. And then I ask: and how about a lower interest rate for my credit line? She told me I may be able to get it, but I would need to take an appointment with a representative. I said ok, and I got my appointment. This was totally a Quebec sale pitch and I fail into it. ME, I fail into a financial sale pitch! I am not very proud of myself, I should know better by now!

At the appointment, the rep did my credit evaluation. Everything was good, but he was not able to get me a lower interest rate other than the current 7.52%. But, he was able to increase my limit of another 10 000$, but the interest rate will have to be of close to 9%. Yak! No thanks! So basically, I went through a credit evaluation for basically nothing and as you can imagine, I was pissed! So F Quebeckers! I hate you! I hate you sooooooooo F much! BOUUUUUUUUUU! Quebec bankers are so not impressive. I never been served with respect while being in Quebec. Quebec financial institution? They all suck! In their willingness to succeed, Quebeckers became excessively arrogant. It's not because your a banker, that you work for a bank or other that you necessary know what you are in. Truly, here in Quebec, individuals are cheaters and liars, not very responsible and humane, extremely hypocrite and really not good at business. Not at all.

BUT... despite the hate...

I was able to take a look at my credit file. My score was exceeding the 380 on 410 (at that time). Pretty good knowing how much I hold in debt. So I was happy to learn about my good credit score. In the credit file, as you can imagine, all loans, all credit cards, all credit lines I have appear in there... at the exception of the margin account. 

My margin account is link to my non-registered portfolio that I own at TD Waterhouse. A margin is like a credit line. The interest rate is quite low, only 4.25%. But the tricky part is that the amount of money available on the margin depends of the value of the portfolio. And that variation is being measure on a daily basis by TD Waterhouse. 

I had paid my 5 000$ TD credit line using my margin account money. I had a remained 22 000$ left in cash, and a 40k in stocks. That’s quite a lot of money, but I had been investing since 2005 now and I felt confident by doing what I did with my money. Not that I am an expert, but everything is pretty much stable because major part of my non-registered portfolio had been build between 2008-2010. I opened my margin account in December 2010. 

So this is where the gangster style is hitting. I had paid my 5 000$ TD credit line using my margin account money a while ago. That detail does not appear in my credit file. And trust me, I took a deep look; I even touch the computer screen of the representative. I had bad eyes, but I took time to study what I had in front of me and that include my fingers on the screen... I can confirm, the margin account, the 40 000$ I had borrowed at 4.25% is not from my credit file. It does not appear anywhere! Reason behind is that a margin account is not a financial product that rely on the credit score of an individual. The margin only reflects the value of my wonderful portfolio. So knowing that is quite hot.

In my credit file, my TD credit line appeared as being paid off, but no one at the exception of TD knows that the money is coming from my margin account (because my margin account is at TD Waterhouse). Isn’t nice? This mean that anyone included me could pay other credit products (like the one at 10 000$ I have at RBC and the 5 000$ I have at BMO) using margin account money. The product appeared to be paid off, and the banker won’t have a damn clue of where the money is coming from (at the exception of TD, of course). Paying off credit lines, among other, is a good way to increase a credit score. The only thing you need to be careful with is the management of the margin account itself. 

Once, a TD rep gave me a good advice, not to use more than 30% of the margin account value. I always find this as being a good advice because fact is, the amount of money available on a margin varies on a daily basis and all depend of the stock market condition. But despite this, margin account money can be use to do anything and everything you want, including paying debt at a higher interest rate and including a Louis Vuitton bag or a Denis Gagnon sexy dress! Whatever you ever dream of!

Now, you know how to look smart while doing business with bankers. Just go for it baby, do it the gangster style. Do it like a New Brunswicker :0)

I want another investment for my broker margin account

Lately I had been busy doing nothing and everything and I am happy I had been able to wake up at 8am... WOW! Lately, my investment had performed extremely well. According to the data of TD Waterhouse, my non-registered portfolio closed yesterday session at 113 390$, even exceeding the good result of July 5th. So I was quite happy of course. The money available on my margin account rank at 22 409.05$. Those numbers are quite interesting. It feels like I did not invest in anything like forever now! My last investment was made in May. Now in July, I would like to invest before leaving for my vacation but some factors stop me from doing so. I want to add on stronger asset to my portfolio and I had been dreaming of adding on TransCanada Corp (TRP) for weeks now.

My portfolio is doing well for now, the money left available on the margin account is exceeding the 20k. But that is for now. TMX could play the yo-yo again as for today; it’s expected to begin the day on a lower scale. So better keep the money on my margin account in form of cash rather than stocks.

Also, my weekend job is about to cut very soon the Sunday shift. I used to work 16 hours per weekend at that job. That was enough to entirely cover the cost of my rent and Internet, which I always like. I always like to work on weekend, knowing that it bring in cash for my rent and Internet connection. Just recently, the job went from a 16 hours shift to a 10 hours one. But that’s not all, they are about to cut it to 5 hours from what I had learned... Not very good. Currently, my monthly income had decreased of 200$. And very soon, it could be of even more. This is what keeps me from investing more at this type, and not much of the stock market situation. Because the Toronto stock market situation, it’s always the same, constantly on a yo-yo game that I am very use to now. It’s not what keeps me away from investing. But hours cut yes, it does so. So I feel somewhat miserable right now and because of that, I stay up late at night trying to make money online. Not that it’s not working. But making money online is what it is, the process is slow. Well, that being in my case. Somewhere, getting those vacations in not even 2 weeks is going to help and following my vacations, I guess I will be job searching. That’s what going on at this time.

Join me on My Lot!

If you want to join my online money making exercise, you can! I am posting on My Lot, a discussion forum, and I will probably be posting even more in the next couple days. I make about 14 cents for a total of not even 10 posts. To make 100$, I will probably have to post something like 5 000 posts... lol... Anyhow, I like My Lot and the payout is only of 10$ so why not? On My Lot, I am JulieSkyRock and I post about a variety of topic that does not only include personal finances. So come join in the discussion, it will be fun! And please use my referral link to register.

Thursday, July 7, 2011

Did you know? Warren Buffett invest like a girl

Have you ever heard of something more stupid than that? Well, wait until you read LouAnn Lofto book title: Warren Buffett Invests Like A Girl, And Why You Should Too. Really? Come on! This so call writer is simply looking to make big money on Buffett head, and the wrong way. I think LouAnn Lofto came with this book title just to sell. She came with an incredibly stupid book title just to impress and LouAnn Lofto is running after the cash, I am telling you! Obviously, I am a girl, I am the Dividend Girl right, and I had been investing since 2005. I can tell you that LouAnn Lofto perspective of investment is totally wrong.

This would be like saying that all girls are good at saving money. What a lie! It’s wrong to believe that a woman has a different and better way to invest than man. This is totally stupid and wrong. Investment style has no gender, but style and perspective. Don’t you ever fall into LouAnn Lofto trap! Once again, investment is not a question of gender; it’s more one of a spirit, of knowing what you want, of wanted more for your money, of always wanted more.

I began my investment life slowly in 2005 by investing in GiCs. My very first investment was a 300$ GIC. Back in the time, I was in my young twenties. I never had any problem to save money and this being despite a very modest condition. 2005-2007 was my mutual funds period and from 2008 to present, my stock market period. Things got very great for me following the 2008 stock market. Last year, I got the good idea to fix myself the 100 000$ portfolio goal for my thirty birthday by using, of course the leverage that is expose in My debt section. Borrowing to invest had been so far one of the best decision of my life. Starting to invest in stock shortly before the stock market 2008 crash WAS the best decision ever.

Investment has nothing to do about a “girl way” that is looking to define LouAnn Lofto. It’s about personal motivation; it’s about wanted MORE and thinking BIG.

From my perspective, LouAnn Lofto is just looking to get media attention with her stupid book title. There’s a lot of stupid people out there, and LouAnn Lofto seem to be one of those kind of individuals.

Wednesday, July 6, 2011

I am now at 160 758.53$



Thanks to the federal tax credit and the Solidarity Tax Credit of Quebec province that I received on July 5, I am  now richer of 97$. And that’s not all. I got the good idea to update my investment portfolio tonight and oh surprise, I am now at 160 758.53$, and that being despite the fact that Data Group Income Fund (DGI.UN) had drop of 7.02% today. Thanks to a complete idiot of the name of Jeff Parent who had bad ranked Data Group Income Fund (DGI.UN), DGI.UN had drop of more than 7%. Jeff Parent is a so call technical stock analyst who worked for Quadrexx Asset Management. Unfortunately, DGI.UN is not among Jeff Parent stock picks.

Yes, it’s true Data Group Income Fund (DGI.UN) had always been difficult to hold. I once wrote about DGI.UN as being one of my troublemaker stocks for the reason that my initial investment never been able to gain value. Otherwise, the dividend had been paid without interruption on a monthly basis, which I enjoyed. Never in the past DGI.UN had drastically drop like this. Never. My investment in DGI.UN had remained relatively stable, but never gains in value. Personally, I don’t really take in consideration the review or grade of analysts of the type of Jeff Parent. They are just some little morons trying to make money out of the stock market on a way or the other. And their review takes part in the machine. To make investment decision, to decide to sell or buy, just by following the advice of stock analysts is WRONG. Why? Because those guys make a living by reviewing stocks. That’s why. So anyone trying to push the purchase or the selling of a stock should not be giving too much of attention.

Actually, no one deserves your attention. If not me. Now, you are aware at least. 

:0)

And please, enjoy this video, it’s another one of my famous YouTube videos! In this one, you’ll watch spectacular fireworks that took place following the concert of the B52s. And yes, I also have videos of the B52s on the way! Enjoy, my very smart readers...Stick and hold to your believe and f Jeff Parent!

My investment portfolio on date of July 5, 2011

Savings:
550.55$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 976.40$
Timminco (TIM): 69$
Blue Note Mining (BNT): 32$
Bank of Nova Scotia (BNS): 6 163.20$
Hanwei Energy Services (HE): 69$
Methanex Corporation (MX): 3 175.49$
Fortis (FTS): 3 476.43$
Pembina Pipeline Corporation (PPL):
11 278.78$
Just Energy Group Inc. (JE): 9 514.34$
Pengrowth Energy Corporation (PGF): 2 717.79$
Enbridge Income Fund Holdings Inc. (ENF): 6 285.50$
Corby Distilleries Limited (CDL.A): 1 678.90$
Davis + Henderson Corporation (DH):
4 042.71$
Premium Brands Holdings Corporation (PBH):
6 743.75$
EnCana Corporation (ECA): 6 023.64$
iShares S&P/TSX Capped REIT Index (XRE): 2 306.92$
Horizons Gold Yield Fund (HGY.UN): 1 902$
Canfor Pulp Products Inc. (CFX): 1 885.98$
New Flyer Industries Inc. (NFI.UN): 1 666.54$
Capital Power Income L.P. (CPA.UN): 1 929$
Exchange Income Corporation (EIF): 6 581.60$
Rogers Sugar Inc. (RSI): 1 629.44$
Student Transportation (STB): 1 275$
Colabor Group Inc. (GCL): 1 974.72$
TMX Group Inc. (X): 4 358.15$
Data Group Income Fund (DGI.UN): 3 033.10$
K-Bro Linen Inc. (KBL): 2 144$
Westshore Terminals Invest Corp (WTE.UN): 4 726$
WesternOne Equity Income Fund (WEQ.UN): 2 527$
Atlantic Power Corp (ATP): 1 492$
Horizons BetaPro COMEX Silver Bear Plus ETF (HZD): 2 608$
First Majestic Silver Corp (FR): 1 895$

TOTAL: 113 181.38$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 541.83$
US cash: 4.12$

TOTAL: 2 545.95$US

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 23.19$
Dumont Nickel Inc. (DNI): 790.63$
Sprott Physical Silver Trust UTS (PHS.U): 3 317.04$
Cash: 2.60$

TOTAL: 4 133.46$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 877.76$
Claymore Gold Bullion ETF (CGL): 4 603.56$
EnCana Corporation (ECA): 2 982$
Emera Incorporated (EMA): 6 734.70$
Sprott Physical Silver Trust UTS (PHS.U): 1 105.68$
Cash: 72.24$

CIBC Dividend Growth Fund: 578.52$
CIBC Emerging Markets Index Fund: 402.31$
CIBC Monthly Income Fund: 1 034.66$

Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$

GIC National Bank: 1 251.85$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 671.90$
Manulife Simplicity Growth Portfolio: 921.58$
Maritime Life CI Harbour Seg Fund: 1 110.54$
Maritime Life Fidelity True North Seg Fund:
1 061.51$
Manulife GIF MLIA B World Invest: 671.29$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 575.33$
RBC U.S. Mid-Cap Equity Fund C$: 2 100.36$
RBC Global Resources Fund: 1 189$
RBC O'Shaughnessy International Equity Fund: 691.15$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 240.18$
RBC Global Precious Metals Fund: 948.28$

TOTAL: 40 164.64$

Social Capital at Desjardins Membership share
for 3 accounts: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(142.55$):
160 758.53$

Monday, July 4, 2011

Duke and Duchess of Cambridge, William & Kate protesters, Montreal, July 2, 2011

I kept the best for the last! The protesters! Who were they? Some pretty dumb Quebeckers decided to protest against the monarchy, without understanding that us, Canadians, earn our place because of England, first of all. Look closely at those poor people. Those individuals are the shame of the Canadian nation.





















English translation would be: monarchy, no one had vote for that. Pretty stupid. We did not vote for monarchy, but monarchy its part of the Canadian heritage. you don't like monarchy? Well, separate Quebec, do what you had failed to do for decades now, your piece of shit!













This black flag is the official flag of the Réseau de Résistance du Québécois (RRQ), which could roughly be translated by Resistance Network for Quebeckers... It's an extremist group who protest for Quebec to become a country. Gees, they spend decades trying, without being successful. Quebec needs to learn with its failure. But they didn't learn anything yet. Fools are fools and will never change. If you are living outside Quebec province but are willing to move to Quebec for studies or work, well, I am a good advice giver and carer and my best advice to you would be: STAY AWAY. Go through this blog, you'll see how awful Quebeckers had been to me and I plan to post something very more detail, a condensate of all those experiences with Quebec. Ok, I can hear you, what are you waiting to leave? Well, its a matter of demography and job status of where I am coming from in New Brunswick. I am not from a very poor town, but it's not that rich either. That's basically why I am working at building myself a strong portfolio so one day I will be able to leave and I won't have to care about having a job or not. Until that time or until the time I can relocate and find a job someplace else I will be right here on the Dividend Girl, bitching about the enemies. Always remember, never forgive, never forget. The enemies are from inside the country, they are the Quebeckers.

Peace and God save the Queen, prayers for William & Kate.

Oh, and this is a video I took. This is the departure of William and Kate. I tried my best to cover the BOUs by my YEAHs... you'll here me in here, that's my voice! I am an ex-clarinet player, I scream very very loud. Listen to hear the voice of the Dividend Girl...



Also, I have another video on it's way, it's following William and Kate departure and it's very cool, but a bit long and it take forever to download the videos on youTube... but, that video will probably be post tomorrow! Stay tune!

Duke and Duchess of Cambridge, William & Kate press, Montreal, July 2, 2011


I am not done yet with my pictures of the Montreal Royal Tour event! Many journalists and press were there. Here are the pictures!































 

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