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Monday, October 31, 2011

My very own blue chips investment rule or on how I plan to beat Bill Gates

It’s Halloween and I received today my Atlantic Power Corp (ATP) dividend: a cuty 9.12$. The stock market is down again. My non-registered portfolio is down to 107 464.63$. My portfolio is down, but I am still in a good shape, considering what we are in right now. I have to admit, trying to get something out of the market right now is very difficult. It’s terribly hard to keep my head of the water. I would like to be able to recover from my capital loss as soon as possible. I can achieve that by remaining where I am right now. This meaning I have to keep leave the money where it is, I have to leave my stocks on the market and stop overtrading. Also, I have to keep going. This meaning I need to continue to invest and I really have to focus on blue chips, especially those who pay very little in dividend. They are among the best stocks.

You just need to take my investment in Canadian National Railway Co (CNR). I had purchased some stocks at 65$ of that baby. And now, in a very short period of time, CNR is almost at 80$ per stock. That’s very impressive isn’t? The only problem is in the dividend payout. CNR pay less than 2% in dividend and its stock is ultra expensive. So why should you investing in CNR? Well, because I personally own stocks of CNR and also because Bill Gates also own stocks of CNR for his foundation. That’s what I had read. So the Dividend Girl AND Bill Gates? Well, CNR can only be a killer stock (isn’t a perfect term right on time for Halloween??). And trust me, it is. CNR is a flying rocket. So be ready for the stuff! CNR is the best investment you can get in those recessions time. And sometimes, I am shocked that I am still working, that I am currently living in New Brunswick, that I am driving a car, that I have money left to invest every months or so. Why is it going well can someone please tell me? Well, I guess I just deserved the stuff. But I don’t have it all yet, I need to recover from my capital loss. But a question remains: can I do it?

Personally, I have problem to invest in blue chips and it’s extremely difficult to invest in blue chips only because they pay so little in dividend and are way too much boring to hold. I made my latest in Firm Capital Mortgage Investment Corporation (FC). Unfortunately for me, FC is not a blue chips. I had invested in FC because for that time, I just have very little to invest and FC was a recommendation of Gordon Pape. I had trouble with some Eric Sprott recommendations (remember my investment in Timminco (TIM), and oh, Sprott Inc. (SII) itself and PHS.U and its American cousin), but I never had any trouble with Gordon Pape stock recommendations. Fact is, I was and still so confident about Eric Sprott that I follow almost his every moves – that being directly from New Brunswick. I still believe in Eric Sprott silver, in Sprott Inc. (SII) stocks, in the Sprott Canadian Equity Fund ok, but one thing you need to know is that Eric Sprott is a very aggressive investor. Investing in silver like Sprott, buying some Sprott Canadian Equity Fund shares in order to eventually see the value double, living the Timminco disaster, well, all those things you know, when you experienced it for yourself – me as a middle class investor, well you know, it make you realize that at a point, you may not be that much, a nobody buying stocks for fun hoping to get rich some day but still, geessss it’s been sooooo muchhhh fun. Lol. It’s important to know exactly who you are in order to keep focus on things that really matter.

In my investment life, I did all kind of trades, pretty much sure that TD Waterhouse cannot follow quite well however, no one was to understand and get it, what will make the difference on the long term is me, keeping in control of my assets. That’s not something easy to do especially while working daytime like I am doing now. But at a point, I realize that following the stock market during the day and working the evening shift was quite of a crazy pattern that exhausted me.

The stock market? Do as you feel, but like me, you should very try to focus on blue chips. Forget the fancy stuff, silver, gold, Sprott... Everyone is in to make money and that’s include Gordon Pape and Eric Sprott so at the end, you are left alone and you’re the best qualify to know what to do with your money. However, I agree, it’s sometime difficult to figure out what’s going to be the next investment. In what are you going to invest when you have the feeling that you already have it all. My have it all meaning that you already invested in a bunch of great stuff that you truly believe in. Unfortunately, some stuff did good, and some had experienced some capital loss. So what can be done about it?
Here comes the point where blue chips are needed AND ONLY blue chips. This being to protect the capital from any other loss and also in a planning of a future capital gain. Also, because you’re not always a good stock picker (stuff can happen right), well, to facilitate the work, you go with some blue chips you never care too much before. Now have come the time to care and this is how I plan to “beat” Bill Gates. lol :) Yeahhh beat Bill Gates.

My next investment? I am really going with Enbridge (ENB) for a good 1k investment. $$$

The only problem being what’s going to be the one after that. See, I am facing some big time drama with blue chips because I don’t know them too well, and the little yield disturb me.

I take all that this way: I have the chance to have more money that I need to cover my needs so this is chance of recovery. Nothing is really easy, but still. It’s kind of a hard play. I play with stocks and now, my ultimate chance of getting up on my capital loss, to create health is simply by investing in blue chips. You think that’s easy? Well, it’s really not.

This can be resumed by one word only: DISCIPLINE.

So be ready readers. Be ready.

Saturday, October 29, 2011

Happy Halloween!

Halloweennnnnn! I visited a local haunted house and it was scary and hilarious at the same time. I was totally into it. Otherwise, the weekend so far is pretty much what it is and it’s better than what I had expected because I didn’t plan to have enough even with this next week paycheck to make a new investment... but seem it could work out.

Living in New Brunswick is definitively a big plus, even after increasing my rent, pension or whatever else you want to name it to my mom and dad to 400$ instead of 350$. I began to feel cheap knowing that money include absolutely everything regarding my living expenses so I push it to the 400$. I could even give 500$ without suffering. It wasn’t really in my life plan to live in with mommy and daddy at 31 years old of age, but what the heck it just happen this way. I never taught it will be possible for me to find a job in New Brunswick either actually. So when it happens, I just move in to my old bedroom. I don’t have any complaints to make what so ever. Living in with my old folks is coolllll ok? I don’t do grocery shopping, I don’t cook. Got the picture? Lol. I won’t comment more.

So this is it, because I live in with my old people and that I only pay 400$ for everything well, as you can imagine, this leave a lot of cash for my investment hobby. These days had been very good for me. In August 2011, everything happens at the same time. I arrived from my 2 weeks vacations and immediately after, the stock market crash, I find a job in New Brunswick and move on a very short notice from Montreal city of hell to the peaceful and so much better New Brunswick. But don’t ask where I am from in New Brunswick because I won’t ever tell you. 

Now, knowing that, I can let you know that I have around 500$ available this upcoming week to invest. Small but interesting amount to invest. At this time, it’s quite of a challenge to find something to invest in because I already invested in almost everything I ever wanted. ENB? Yeah, but I already have ENF in. Knowing ENB are more than 30$+ each, I could wait for December or so to place my new investment.

Actually, the challenge now is to reach the 200k in investment and to reduce my unofficial capital loss. So far not too much problem, but I think some readers taught that I was into going better than the TSX index when it’s really not the case. I think you have to read this blog keeping in mind that it’s being wrote by 31 years old who look like in her young twenties (all those precious little creams from l’Oreal and Garnier had done miracles) free like a bird, no stress involve. I am not married, I am single, I don’t cook my meals and I don’t have any children of my own. And I don’t have a boyfriend either. So keep everything in mind, and following what, you’ll get my idea about investing. I don’t care if the results are very good or bad, the only think is to get a portfolio that will involve a lot in capital loss and so far, I think I done ok, a mix of good investments that done well, some other bad, a good amount of dividend is coming in, a lot of debt too, but nothing ever disturb me, it’s all about the long term. 

I know, but sometimes, some good stuff can be read from a pink blog.

Thursday, October 27, 2011

Watch out, I am now at 154 363.06$

The TSX cash in extraordinary gains today following the 1.4 trillions news in back-up cash for the Euro zone and in result, I experimented some extraordinary gain directly in what you are use to, my very own very good investment portfolio. Here at my Dividend Girl blog, no matter what happen, I am like the sexiest cat of the whole universe I ALWAYS get back on my feet. I am the cat woman. There’s absolutely no way this can go wrong. This is what I had been waiting for. This is what I call an extension of my own self on the world wild market baby.

Today was the easy part – enjoying the gains and a possible recovery. But going through the market volatility – and even worst – stock market crashes after crashes is not easy. The stock crash of August 2011 completely burns me out from inside and out. Part of the misery was coming partly from my margin situation. I always felt confident about my portfolio but while facing such destructive events, financial system about to collapse worldwide, no way I could remain calm, no way I could not care. And of course, I worried about getting a margin call, I worry about TD Waterhouse who could sell part of my portfolio without even calling me first and then, at a point, I hated TD Waterhouse for having that power over me, to have to right to sell my portfolio in case something major happen.

And something major did happen in August 2011, but there’s been no margin call and now, I am only missing 45k to hit the 200 000$ in investment. Crazyyy. I just consider myself extremely lucky and in result, you have the privilege to read my blog. So enjoy for now because one day, it could stop and you could eventually never heard of me again.

Another problem being that investing is very addictive so it's very good that sometimes, the market mark points. I am investing every month or so and when I don't or when I do, I just cannot wait for the next time, what's going to be next, what's going to be the investment, am I going to cash big in dividend, am I going to earn great capital gains? It's a story that never end and I don't think it will stop anytime soon actually. So don't worry, you won't ever miss me.

lol :0)

My investment portfolio on date of October 27, 2011


Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 570.20$
Timminco (TIM): 37$
Blue Note Mining (BNT): 28$
Bank of Nova Scotia (BNS): 5 674.21$
Hanwei Energy Services (HE): 42$
Methanex Corporation (MX): 2 729.50$
Fortis (FTS): 3 673.08$
Pembina Pipeline Corporation (PPL): 11 974.05$
Just Energy Group Inc. (JE): 7 245.27$
Pengrowth Energy Corporation (PGF): 2 368.26$
Enbridge Income Fund Holdings Inc. (ENF): 6 211.72$
Corby Distilleries Limited (CDL.A): 1 678.90$
Davis + Henderson Corporation (DH):
3 570$
Premium Brands Holdings Corporation (PBH):
6 726.72$
EnCana Corporation (ECA): 4 477.80$
iShares S&P/TSX Capped REIT Index (XRE): 2 266.88$
Horizons Gold Yield Fund (HGY.UN): 2 046.18$
Canfor Pulp Products Inc. (CFX): 1 380.08$
New Flyer Industries Inc. (NFI): 1 279.20$
Capital Power Income L.P. (CPA.UN): 1 785$
Exchange Income Corporation (EIF): 6 468.80$
Rogers Sugar Inc. (RSI): 1 611.95$
Student Transportation (STB): 1 248$
Colabor Group Inc. (GCL): 2 190.24$
TMX Group Inc. (X): 4 329.90$
Data Group Income Fund (DGI.UN): 2 005.08$
K-Bro Linen Inc. (KBL): 1 896$
Westshore Terminals Invest Corp (WTE.UN): 4 730$
WesternOne Equity Income Fund (WEQ.UN): 2 276.20$
Atlantic Power Corp (ATP): 1 374$
First Majestic Silver Corp (FR): 1 807$
Kinross Gold Corp (K): 2 214$
TransCanada Corp (TRP): 1 092$
Canadian National Railway Co (CNR): 1 422.90$
Firm Capital Mortgage Investment Corporation (FC): 503.60$

TOTAL: 107 933.72$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 504.15$
US cash: 4.12$

TOTAL: 2 508.27$ US

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 22.26$
Dumont Nickel Inc. (DNI): 718.75$
Sprott Physical Silver Trust UTS (PHS.U): 3 247.68$
Cash: 3.08$

TOTAL: 3 991.77$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 565.20$
Claymore Gold Bullion ETF (CGL): 5 282.94$
EnCana Corporation (ECA): 2 195$
Emera Incorporated (EMA): 7 133.80$
Sprott Physical Silver Trust UTS (PHS.U): 1 082.56$
Cash: 124.25$

CIBC Dividend Growth Fund: 550.45$
CIBC Emerging Markets Index Fund: 345.88$
CIBC Monthly Income Fund: 1 071.20$

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

GIC National Bank: 1 219.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 628.33$
Manulife Simplicity Growth Portfolio: 875.04$
Maritime Life CI Harbour Seg Fund: 1 050.81$
Maritime Life Fidelity True North Seg Fund:
1 007.86$
Manulife GIF MLIA B World Invest: 626.02$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 548.27$
RBC U.S. Mid-Cap Equity Fund C$: 1 952.80$
RBC Global Resources Fund: 1 092.07$
RBC O'Shaughnessy International Equity Fund: 624.48$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 176.02$
RBC Global Precious Metals Fund: 920.26$

TOTAL: 39 487.02$

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
154 363.06$

Saturday, October 22, 2011

Capital gains and capital losses in my non-registered investment portfolio

Non registered Investments:
Stocks and Units investment portfolio CAN$

Sprott Inc. (SII):
Initial value: 9 909.46$
Current value: 7 130.31$
- 2 779.15$

Timminco (TIM):
Initial value: 4 065$
Current value: 34$
- 4 031$

Blue Note Mining (BNT):
Initial value: 689$
Current value: 24$

Bank of Nova Scotia (BNS):
Initial value: 5 680.46$
Current value: 5 535.11$

Hanwei Energy Services (HE):
Initial value: 674$
Current value: 33$

Methanex Corporation (MX):
Initial value: 1 626.80$
Current value: 2 592.51$

Fortis (FTS):
Initial value: 2 710.73$
Current value: 3 606.12$

Pembina Pipeline Corporation (PPL):
Initial value: 6 790.23$
Current value: 11 771.10$
+4 980.87$

Just Energy Group Inc. (JE):
Initial value: 9 482.02$
Current value: 7 325.55$
-2 156.47$

Pengrowth Energy Corporation (PGF):
Initial value: 2 119.98$
Current value: 2 277.72$

Enbridge Income Fund Holdings Inc. (ENF):
Initial value: 5 860.50$
Current value: 6 073.85$

Corby Distilleries Limited (CDL.A):
Initial value: 1 544.99$
Current value: 1 660.36$

Davis + Henderson Corporation (DH):
Initial value: 2 898.55$
Current value: 3 435.60$

Premium Brands Holdings Corporation (PBH):
Initial value: 7 143.97$
Current value: 6 752.46$

EnCana Corporation (ECA):
Initial value: 6 030.13$
Current value: 4 304.40$
-1 725.73$

iShares S&P/TSX Capped REIT Index (XRE):
Initial value: 2 106.37$
Current value: 2 245.32$

Horizons Gold Yield Fund (HGY.UN):
Initial value: 2 009.70$
Current value: 1 945.68$

Canfor Pulp Products Inc. (CFX):
Initial value: 1 546.24$
Current value: 1 467.44$

New Flyer Industries Inc. (NFI):
Initial value: 2 444.59$
Current value: 1 248$
-1 196.59$

Capital Power Income L.P. (CPA.UN):
Initial value: 1 978.99$
Current value: 1 856$

Exchange Income Corporation (EIF):
Initial value: 6 820.37$
Current value: 6 380.85$

Rogers Sugar Inc. (RSI):
Initial value: 1 743.72$
Current value: 1 611.95$

Student Transportation (STB):
Initial value: 1 325.65$
Current value: 1 258.56$

Colabor Group Inc. (GCL):
Initial value: 2 514.08$
Current value: 2 129.76$

TMX Group Inc. (X):
Initial value: 4 285.69$
Current value: 4 253.40$

Data Group Income Fund (DGI.UN):
Initial value: 4 254.25$
Current value: 2 050.65$
-2 203.60$

K-Bro Linen Inc. (KBL):
Initial value: 2 034.99$
Current value: 1 895$

Westshore Terminals Invest Corp (WTE.UN):
Initial value: 4 631.99$
Current value: 4 670$

WesternOne Equity Income Fund (WEQ.UN):
Initial value: 2 061.99$
Current value: 2 401.60$

Atlantic Power Corp (ATP):
Initial value: 1 499.99$
Current value: 1 391$

First Majestic Silver Corp (FR):
Initial value: 1 943.99$
Current value: 1 544$

Kinross Gold Corp (K):
Initial value: 2 496.99$
Current value: 2 074.50$

TransCanada Corp (TRP):
Initial value: 1 016.74$
Current value: 1 093.75$

Canadian National Railway Co (CNR):
Initial value: 1 183.41$
Current value: 1 350.72$

Firm Capital Mortgage Investment Corporation (FC):
Initial value: 510.79$
Current value: 501.60$
- 9.19$

TOTAL: -9 988.38$

I find this exercise pretty interesting for many reasons. I published update of my investment portfolio on a regular basis, I post also a lot regarding the stocks I hold and a bunch of other thing. Posting update of my investment portfolio is for me interesting because that way I calculate everything and I can see how things are going. But it doesn’t really provide data on how well or how bad I am doing.

So to entertain myself, I decided to fully expose the performance of my non-registered portfolio. For each and single investment hold in my non-registered portfolio, I expose the initial amount of money investment and the current value of each and single investments.

So how am I doing? Good or baddddddddd? I am currently experiencing a lost 9 988.38$. Some investment I still hold today were made a very longgggg time ago, like that Timminco (TIM). I had proceed with some posts of the same kind before, initial value, current value, how much money was made, how much lost.

Well, turn out that most of the stocks I pick from Derek Foster are doing EXTREMELY well, at the exception of EnCana Corporation (ECA). The Derek Foster killer stocks, top performers are: Bank of Nova Scotia (BNS) (I am experiencing a little lost here but not that much), Pembina Pipeline Corporation (PPL), Pengrowth Energy Corporation (PGF), Enbridge Income Fund Holdings Inc. (ENF) and Corby Distilleries Limited (CDL.A). I started investing in Pembina Pipeline Corporation (PPL) when the company was still an income trust and the units were just of 12$! Currently, PPL trade at more than 25$ per stock!!! WOWWWWWWW.

So that’s for the wow! factor. And what about the lost? I am experiencing a close to 3 000$ loss with Sprott Inc. (SII). But following their news to get involved in the banking sector, I remain confident that the stock will eventually go higher in value. Also, Sprott had released some interesting new investments products. There’s always something going on with Sprott and it’s extremely interesting to follow that company. I can easily live with a 3k loss with this company without too much problem.

I always been a fan of Just Energy Group Inc. (JE) since I find out about this stock and ever since, I had trade and re-trade Just Energy. That’s why I am currently experiencing a loss of somewhere of the 2 000$ with JE. However, I still feel comfortable in my position. It’s just at a point, no matter how great is the stock, I had exposed myself a bit too much in Just Energy Group Inc. (JE). And in result, I had experienced a capital loss of a bit more than 2k. No regret however and chances are that once the stock market will get a bit more stable, JE will reach its old 13$ per stock, and if not even more. Why? Well, it’s just a general feeling.

The energy sector can only grow and when Rebecca MacDonald start her business, the energy sector was already in high demand. At this time, the weak economy is not playing in favor of Just Energy but it’s a great stock to hold for the long term as the company had acquired companies in the US and truly, the future can only be very bright for Just Energy. Under no circumstances should you sell JE at this time and experienced some capital loss. JE is a winner for the long term. Don’t be afraid of capital loss in your portfolio. There’s no reason to panic, not even while being close the 10k loss. That’s my impression at this time and there’s no reason to be afraid.

I had seen the stock market going up and down. I went through the 2008 stock market crash and been able to recover, even while experiencing a loss of 4k with Timminco (TIM). Nothing is impossible but it takes gorgeous good nerves to be able to support the volatility of the market in those difficult times. However, this is the key to success. I went through 2008 stock market crash and the 2011 ones, with its numerous crashes is much more complex but despite it all, I still believe I can go through this 9k loss because went through something similar – but very different at the same time – before.

So why keeping investing if it’s just in order to recover from a 9k loss? What’s the point of this? Well, the stock market is a very interesting place to be no matter what. No matter what, companies continue to pay dividend. After only 3 years of investment through my broker account, I wouldn’t imagine myself without my stocks, without investing. I certainly did plenty of investment mistakes among the way, but if I focus on blue chips, diversify and keep going, I may be able to transform the capital loss into a capital gain. And by the way, there’s no real on paper capital loss until a stock is being sell.

If there’s just one (few) thing(s) you need to learn from this it will be: never invest too much at the same spot, diversify, consider blue chips high quality stocks, don’t focus too much on dividend yield, investing on a regular basis, even small amount of money, will play in your favor on the long term, don’t be disappointed too much by capital loss, move on, be brave, and happily cash in the dividend and enjoy the cash, ok?

Et voilà how to bring super powerful taught of success for yourself and really rock it all.

Friday, October 21, 2011

I am an adventurous stock picker, and what about you?

I was quite happy today to see those positive gains. The gains on the TSX had of course had a direct effect on my portfolio. I am very close to the 150k. I actually have a couple of 20$ bills that I didn’t include in the count... I always count what remain at the bank in my savings because fact is, those 20$ bills are going to spend sooner or later. So it’s all going pretty well. I recently place my latest trade in Firm Capital Mortgage Investment Corporation (FC), just a few hundred dollars to satisfy by habit.

This was quite a surprise because I promised myself to focus on high quality stocks – blue chips – only. But promises are made to be broke. I had enough of the very poor yield of the blue chips and decided to try something else. FC was a stock recommendation of Gordon Pape. Personally, I do not consider myself as a good stock picker. I am, otherwise, an adventurous stock picker. I think I had said that before. If not, it was something I had in mind for quite some time: adventurous stock picker. It’s my excuse for over-trading and over-investing. But it won’t stop anytime soon, especially now. It’s an investment rally. The only problem is that Euro shit.

My next investment will be in the middle of November probably and at that time, I should have a bit more than a thousand to invest. So what’s going to be my next investment? This time, I need something good, I need something stable. What I need is a boring high quality blue chips paying very little in dividend. I am already packed in pipeline stocks, but I don’t have too much choice here. Try to get a stocks with a perfect chart: it’s extremely difficult to find. Not too much qualify and one great thing is that Gordon Pape wrote several articles all beginning by “Super stock”, in which we cover stocks that can be purchase in those difficult times. I already own TRP, BNS, FTS, CNR, PPL, ENF and some other good stuff. I already own a lot of good stocks, but fact is, my portfolio will get even better and stronger if I continue to add some other blue chips in. They don’t pay too much in dividend, but they preserved the capital invested and bring in some capital gain in case of sale.

So for all those reasons, I decided to go with a Super stock of Gordon Pape and a long time pick of Derek Foster: Enbridge (ENB). At this time, because it’s going so well and that I am very going to hit the mark of the 200k, I don’t have any choices to continue to invest and to invest in blue chips. The choice is not mine.

My investment portfolio on date of October 21, 2011


Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 130.31$
Timminco (TIM): 34$
Blue Note Mining (BNT): 24$
Bank of Nova Scotia (BNS): 5 535.11$
Hanwei Energy Services (HE): 33$
Methanex Corporation (MX): 2 592.51$
Fortis (FTS): 3 606.12$
Pembina Pipeline Corporation (PPL):
11 771.10$
Just Energy Group Inc. (JE): 7 325.55$
Pengrowth Energy Corporation (PGF): 2 277.72$
Enbridge Income Fund Holdings Inc. (ENF): 6 073.85$
Corby Distilleries Limited (CDL.A): 1 660.36$
Davis + Henderson Corporation (DH):
3 435.60$
Premium Brands Holdings Corporation (PBH):
6 752.46$
EnCana Corporation (ECA): 4 304.40$
iShares S&P/TSX Capped REIT Index (XRE): 2 245.32$
Horizons Gold Yield Fund (HGY.UN): 1 945.68$
Canfor Pulp Products Inc. (CFX): 1 467.44$
New Flyer Industries Inc. (NFI): 1 248$
Capital Power Income L.P. (CPA.UN): 1 856$
Exchange Income Corporation (EIF): 6 380.85$
Rogers Sugar Inc. (RSI): 1 611.95$
Student Transportation (STB): 1 258.56$
Colabor Group Inc. (GCL): 2 129.76$
TMX Group Inc. (X): 4 253.40$
Data Group Income Fund (DGI.UN): 2 050.65$
K-Bro Linen Inc. (KBL): 1 895$
Westshore Terminals Invest Corp (WTE.UN): 4 670$
WesternOne Equity Income Fund (WEQ.UN): 2 401.60$
Atlantic Power Corp (ATP): 1 391$
First Majestic Silver Corp (FR): 1 544$
Kinross Gold Corp (K): 2 074.50$
TransCanada Corp (TRP): 1 093.75$
Canadian National Railway Co (CNR): 1 350.72$
Firm Capital Mortgage Investment Corporation (FC): 501.60$

TOTAL: 105 925.87$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 292.20$
US cash: 4.12$

TOTAL: 2 296.32$ US

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 22.62$
Dumont Nickel Inc. (DNI): 805$
Sprott Physical Silver Trust UTS (PHS.U): 2 978.40$
Cash: 3.08$

TOTAL: 3 809.10$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 032.36$
Claymore Gold Bullion ETF (CGL): 4 982.12$
EnCana Corporation (ECA): 2 110$
Emera Incorporated (EMA): 6 923.92$
Sprott Physical Silver Trust UTS (PHS.U): 992.80$
Cash: 124.25$

CIBC Dividend Growth Fund: 529.29$
CIBC Emerging Markets Index Fund: 334.45$
CIBC Monthly Income Fund: 965.94$

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

GIC National Bank: 1 219.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 595.23$
Manulife Simplicity Growth Portfolio: 848.74$
Maritime Life CI Harbour Seg Fund: 1 003.32$
Maritime Life Fidelity True North Seg Fund:
Manulife GIF MLIA B World Invest: 599.25$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 531.56$
RBC U.S. Mid-Cap Equity Fund C$: 1 898.91$
RBC Global Resources Fund: 1 030.30$
RBC O'Shaughnessy International Equity Fund: 597.83$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 129.07$
RBC Global Precious Metals Fund: 845.96$

TOTAL: 37 679.41$

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
149 992.69$

Tuesday, October 18, 2011

Welcome in Firm Capital Mortgage Investment Corporation (FC)!

I did it today, I buy some Firm Capital Mortgage Investment Corporation (FC) stocks for about 500$. My non-registered portfolio fly to the 105 883.13$! That’s very good compare to the update of September 30 when I was very closed to the 102k for my non-registered portfolio. And now, I am closed to the 106k. I am just hoping the gains will remain. If Europe find a decent resolution for their financial problems and announced something very constructive, well, it could happen that the gains stay for real.

And talking about gains, seem like Eric Sprott is looking forward to make some huge interesting gains! The following really make me laugh because while working in Montreal at my evening job in a call center, there was that guy and we used to chat a lot between calls and it was absolutely hilarious. The joke was about to start our own bank. That guy was very knowledgeable in everything related to finances. Actually, we were both doing the same thing: we were working the night shift to do what we wanted during daytime. We chat a lot about the stock market related stuff and it was all interesting. And following those discussions, the guy was saying that we were going to start our own bank and I could laugh hard and awake anyone who was sleeping in the room. Yeah!

So what’s the point with Eric Sprott? Well, Eric Sprott and the Sprott Asset Management are actually trying to form their own bank. And no, it’s not a joke. Read it here.

Another interesting thing is Kinross Gold Corp (K). The company announced they could possibly triple their gold production in Russia. This is a good news and it could eventually result in my portfolio. Oh lala. A lotttttttt of cashhhhhhhhhhhh. Got to love me.

Sunday, October 16, 2011

The Globe and Mail Canadian newspaper: pusher of Brian Mulroney

The Globe and Mail is a good newspaper to get some news from, but when it comes to the ethic side, the Globe and Mail totally suck. I read the online free version of the Globe and Mail newspaper on a regular basis for information regarding the stock market. It’s a source that I need to consult. However, if the equivalent of the Globe and Mail would be existing, I would be consulting that other first.

My first disgust of the Globe and Mail came from Larry MacDonald. That happens certainly a couple of months ago. Larry MacDonald approached me to be from his Me and my Money chronicle. I was very happy of that of course. He sent me a couple of questions that I need to answer. I replied back with the answers. Following what, he asked for my real name and a picture. I of course totally disagree. I don’t need to see my pretty face AND my name of the Globe and Mail to know that I have it. I am not in need of gratification what so ever. I know who I am, I know where I came from and I know what I am doing. That should be enough to appear in the Globe and Mail, don’t you think so?

I refused to provide my real name to Larry MacDonald and I refused a picture. Do I provide my real name on my blog? Are you seeing a picture of myself here somewhere? Larry MacDonald wasn’t intelligent enough to figure this out by himself. After my reply, he said he could do it without the picture, but a real name needed to be provided, it was requested by the editor.

I think that request is a direct proof of non-sense and complete irresponsibility coming from the Globe and Mail. Blogging anonymously is a right and I wanted my right to remain. For the quantity of information I provided, going on publicly wouldn’t be the greatest move.

Retarded Globe and Mail. Basically, Larry MacDonald makes me lose my time. And I hate individuals like himself who think they have the right to control me, that think they are so important that they are in right to ask me for stuff. Like F. That was for the part regarding and the Globe and Mail and Larry MacDonald.

A Quebecker, liar, criminal, a shame for the Canadian country, that’s who’s Brian Mulroney. Brian Mulroney had been involved in the Airbus scandal, it seemed like the editor of the Globe and Mail had forgotten about it. While being Prime Minister, Brian Mulroney had earned 300 000$ illegally by promoting Airbus purchases among the Conservative government. Brian Mulroney is the perfect example of the corruptible Quebecker. Cheater, liar.

Us Canadians, we are currently being managed by a Conservative government and it shows in the poor quality of the Globe and Mail articles.

In an article of Tu Thanh Ha “This is no time to give up on the U.S., Mulroney says”, published on October 13, 2011 in the Globe and Mail, the author of the article mention Brian Mulroney as a credible source of information: “Canada has a privileged relationship with the United States that shouldn't be squandered, even at a time when U.S. world leadership is waning and new superpowers are emerging, Brian Mulroney says.”

Following the Airbus scandal, Brian Mulroney does not constitute in a credible source of information and I strongly believe that the Federal Conservative government is extending his power to every single medias to promote in every kind of ways the members of its party.

300 000$ take a lifetime to get in savings. But Brian Mulroney touches that kind of money illegally while being Canada Prime Minister. Is it being socially accepted these days for a politician to be a cheater and a criminal? Unfortunately, the Globe and Mail is responding yes to that question by referring to Brian Mulroney in its article.

Brian Mulroney is a complete idiot. He shouldn’t be recognize and certainly doesn’t deserve any sort of public recognition.

This is an example among other.

In Canada, criminals like Brian Mulroney shouldn't get any press coverage, shouldn't get any public recognition.

This is giving you a sense of what kind of newspaper is the Globe and Mail.

Better days for EnCana Corporation (ECA)?

Back in August 2010, I had invested in EnCana Corporation (ECA). Since August 2010, there have been some ups and downs for EnCana. For me, EnCana was the investment that was going to bring in a plus value on the long run. I wanted to see ECA value double but it never did. At least so far. Prior to April 2009, ECA stocks worth more than 50$ per share. My goal was to see ECA gain value very quickly, but those types of gains barely ever happen overnight.

But recently, an interesting article about EnCana appears in the Globe and Mail. ECA plan to triple its gas production. In the current economic situation, I don’t know if it will be enough for EnCana to hit back its old 50$ per share. But no matter what, some interesting developments are on their way, which is good for the long run.

I did not buy my ECA stocks when they were at 50$, but I bought the ones that are from my non-registered portfolio when they were around 30$. I am currently experiencing a loss of 1 800$ with ECA since the share price hit in the 20$. It’s quite a massive and very frustrating lost. I won’t be investing in more ECA stocks, but with the recent development, I will certainly hold to what I have.

It’s been quite difficult to see ECA going down to the 20$. I hope the future will be better for ECA. Susan Brunner recently wrote about EnCana Corporation (ECA).

My next investment: Firm Capital Mortgage Investment Corporation (FC)

My non-registered portfolio closed last Friday session at 104 515$. Some interesting dividend had kick in recently also. I am also looking forward to make my next investment this week. After going through an article of Gordon Pape, I decided to invest in one of his proposals, Firm Capital Mortgage Investment Corporation (FC). The dividend yield is of a very good 7.464%, 1.01$ per share annually.

I decided to pick Firm Capital Mortgage Investment Corporation (FC) to add up to my dividend income. Currently, without adding any special dividend distribution, my annual dividend income is of 6 500$. I am trying to find a balance between picking good quality blue chips and a good dividend yield. Blue chips yes, but most of them pay very little in dividend and can be very boring to hold. So adding up some stuff like Firm Capital Mortgage Investment Corporation (FC) can help to provide diversification and a good dividend yield as well.

I had taught of adding some ENB, BA and VE in my portfolio, but for this upcoming investment, I have something between 500$ to 600$ to invest. FC stocks are cheap, and since I just had 500$-600$ to invest, I was looking for something of the price range of FC. FC closed last Friday session at a bit more than 12$ per share. This makes Firm Capital Mortgage Investment Corporation (FR) an affordable investment and top of all that, the chart is very good.

Wednesday, October 12, 2011

The advantage of being fully invested while being a retail investor middle class type of

There you go! Today, what I taught wouldn’t happen again actually happen, the TSX hit and even exceed the 12 000 points. The effect on my non-registered portfolio? Absolutely spectacular! My non-registered portfolio close today session at a very great 104 177.01$. That’s my market value. My book value is of 113 277$. I am still at a -9 099.99$ behind. However, I find this quite good. At least, I didn’t lost more money and under the 10k mark, it’s really not that bad.

And it’s exactly the reason why I decided to move forward with my investment projects. Paying off debt is good for people who don’t know what to do with their money. Remaining high quality stocks focus is what’s going to help me to cover up that 9k lost, not paying off debt.

This is a problem that is specific to my own personal financial situation. Being fully invested brings in multiple challenges. And recovering from August 2011 latest stock crash is something that is among the challenges I am facing. So while being fully invested, I decided to continue just like before.

Luckily, the TSX will gain again shortly more points and when it happen, I will be hitting the old 113 277$ stocks value. Imagine that: 113 277$ worth in stocks! Yeahhhh

No matter how excited I am, the TSX remains extremely volatile. The smartest of all like Jean-François Tardif are not fully invested. Tardif himself is 30% invested and I am 100%. So why that? What’s that wrong with me? Nothing that much, just that the middle class retail investor that I am was willing to hit the jack pot. That’s really just all. While facing a 9k lost in my portfolio, there’s no way out for me. By staying in the stock market, by remaining fully invested by keeping investing whenever I have a chance, I significantly increase my chances to recover from that 9k lost that I currently experimenting in my portfolio.

It’s too late for me but for a fresh starter, it could worth it to be sensible to the fact Jean-François Tardif is invested at 30% of his full potential. Because while having million in cash, it’s better not to play with richness. But while being poor middle class, I think the best way to go is to remain in the market because anyway, I don’t have millions, I am only playing on a getting closer 200k portfolio. Fun? Kind of, but it’s certainly interesting. Just go get what you want.

From Dividend Girl to hunting babe: how I spent my Thanksgiving Day

My father had been a hunter for many years and on Thanksgiving Day, we went hunting a bird we commonly name in French "perdrix". That will be in English I believe partridges hunting. We also seek for deers, but that type of hunting is much more difficult. As you can see Thanksgiving Day was a beautiful day here in New Brunswick:

We ride in those type of trails in the wood for several hours, hunting for partridges. We got one partridge :0)

Those are deer traces. That's all we saw from deers that day. We only saw their traces.

This is salt for the deers.

Beautiful blue sky isn't?

I knew you were about to just LOVE New Brunswick and me the new hunting babe.

Sunday, October 9, 2011

Happy Thanksgiving

The week passed by too quickly. I had been quite busy at work, so no matter how bad the market was doing, I just wasn’t there. My margin account situation is still stable, no margin called yet. I had give a call to TD Waterhouse to provide my work number as secondary number. I no longer have a cell phone. So in case of a margin call, the TD margin guy will call me directly at work. Lovely.

Here in New Brunswick, I cannot use Chatr Wireless. I had a prepaid service with Chatr Wireless, which is a Rogers Communication company. I like Chatr. I had a cheap unlimited plan. But knowing that winter is coming and I am going to be driving all winter long, it could be a good thing to have a cell phone. It’s something I am thinking of at this time.

My portfolio situation had remained stable despite having the TSX acting completely crazy. My non-registered portfolio closed today session at more than 100k, actually quite similar to my latest portfolio update in date of September 30. I had received a good pay cheque, but I wasn’t able to use any of the money for investment purposes. I had a 1 800$ credit card balance to pay, so each and single pennies went on the credit card. I am ready for a fresh start as my expenses are going to be much more stable now that all set with my moving and stuff.

My latest investment in Canadian National Railway Co (CNR) had performed very well and at this time, the only thing I want is just to invest more... at more than 85k in debt, the only think that keep going in my mind is to invest more, despite all the blabla I wrote about paying off debt.

My investment experience in 2008 following my first ever stock crash had been quite rewarding. And despite having more in debt that I could even believe, I still think that investing is the way to go. I keep blogging pretty much the same thing over and over again. This could be a major failure of my part to hold that much debt, but the temptation to invest and live again the same rewarding thing of the after 2008, well, that’s quite huge. I don’t want to pay my debt, I want to increase my portfolio, margin account value and dividend earnings all in one.

Canadian National Railway Co (CNR) had been a spectacular pick. I had invested in CNR when the stock price was a bit more than 65$... and CNR stock value is now at 72$ and some cents. And it’s not because I am a good stock picker. It’s only because I am an adventurous stock picker. The reason I like to invest in different companies and different sectors is that I have a true feeling that it’s how I am able to take the stock market at my advantage.

After reading, looking at the market ups and downs, after listening to Jean-François Tardif latest interview, well, I still think that the market offer good opportunities at this time. The only thing is that I cannot invest the same way I was investing before. I cannot remain exclusively dividend focus. Actually, it’s now better to just forget about the dividend and concentrate at picking good quality blue chips that will increase in value overtime to bring more stability in my portfolio in term of value. That could sound easy, but picking up the best for my portfolio is not easy.

I already own some very good quality stocks with stuff like TRP, CNR, FTS, X, PPL, ENF just to name those few. The only problem being that I need to bring other good stuff in. So what am I going to bring in to my already good portfolio? :0) Well, I taught about adding a few things:

Veresen Inc. (VSN), Bell Aliant Inc. (BA) and Enbridge (ENB). I talked several times as Enbridge (ENB) as new investment and I think it will be the perfect investment to add in at this time because of its so perfect chart.

I already own a lot of pipeline stocks at this time. But right now, I really need to add blue chips in and Enbridge (ENB) will be able to bring in what I need. It’s just unfortunate Enbridge doesn’t pay more in dividend. But hey, I am no longer dividend focus am I.

Wednesday, October 5, 2011

TD Canada Trust best offer for TD Visa credit card balance transfer: 2.9% interest rate!

I am tightly holding behind me a massive 85k+ in debt so when I learned about this today, I was really happy. I currently had an 8 000$ with TD Visa at the special interest rate of 4.9% resulting from a credit card balance transfer.

I call today TD Visa because I couldn’t find where I had put the expiration date for my latest transfer. So that’s how I learn the great news. My current credit card balance transfer is about to end on October 26. I always do it in advance. So I just call RBC Visa to get 5 000$ transfer from TD Visa to RBC Visa. The transfer will take between 2 to 3 business days to be complete. In the meantime, RBC Visa interest rate is something like 19%+. So my 5k will be at 19% for 2-3 days. It usually go pretty quick. I will watch my RBC Visa tomorrow and if doesn’t happen tomorrow, it will be good I guess for Friday. I don’t mind paying 19% if it’s just for a couple of days.

I had before a 10 000$ limit with RBC Visa, but not anymore since I now have a credit line of 10 000$ with them. My RBC Visa had been reduced to 5 000$ ONLY. Which suck of course when it comes to credit card balance transfer. I complete a first credit card balance transfer with RBC Visa.

Following what, I call the folks at CIBC Visa. I explain what I wanted to do, a 3 000$ credit card balance transfer from TD Visa to CIBC Visa. But at CIBC Visa, the delay can be of up to 5 weeks. And their interest rate for cash advance there is even higher, something like 21% if I am not mistaking. Can you imagine waiting up to 5 weeks for a credit card balance transfer. It’s totally unacceptable CIBC Visa!

My other credit cards are not Visa, so it’s not working for credit card balance transfer.

When doing a credit card balance transfer, to keep it simple, I suggest to proceed from Visa-to-Visa only because I once was told that there’s an extra fee when you proceed from Mastercard-to-Visa or vice versa.

I am now a specialist of credit card balance transfer. Over the years, I received many credit card balance offer from CIBC Visa, TD Visa and also RBC Visa. I love it and each time, I like to benefit of the low interest rate.

One major thing you need to know about credit card balance transfer is: keep your account in good standard. Don’t exceed the balance authorize and ALWAYS make your minimum payment on time. If not, it could result in the cancellation of the special low interest rate. Which mean you could go from a super low 2.9% to a super high 19%. And you certainly don’t want that to happen.

So I proceed with a 5 000$ transfer today from TD Visa to RBC Visa. Once the amount appears in my RBC Visa, dring dring, I call again TD Visa and make the transfer from RBC Visa to TD Visa. Once the amount go back on the TD Visa, I call RBC Visa to complete the last 3 000$ left. This meaning I will after transfer 3 000$ from my TD Visa to RBC Visa and again, wait for the transfer to be completed. Once completed, I call again dring dring dring TD Visa, hello TD, please transfer 3 000$ from my RBC Visa to you guys!

Sound complicated? It’s truly not.

While doing credit card balance transfer, it’s easier to proceed simply over the phone because TD Visa doesn’t have at this time – at least I didn’t receive – promotional TD Visa cheque at 2.9% for 6 months.

I under process for 5 000$. After it will be for 3 000$ and in 6 months, I will be doing the same thing all over again... youhou.......


TD Visa has the stuff you need!

Tuesday, October 4, 2011

TSX roller coaster ride

These days, seem like investors are going through the same things over and over again: stock crash after stock crash after stock crash. So yesterday, hearing about Jean-François Tardif, well, it was a nice way to sheer up the little retail investors like myself who are fully invested. Anyway, today was absolutely crazy. Time is flying by, and during that time, a lot of stuff is happening on the market.

Take today for example. Just like usual, I took a quick sneak at the stock market while being at work. Oh the terrible me! In the morning, I saw that massive lost. Nothing unusual. Really not. The day passed by, 4pm, hit back home, log in to my laptop, check out my portfolio. Nothing had been sell under the pressure of a margin call or a margin call with no call lol... I do care about my portfolio however but going under this crisis day after day after day. It’s really terrible and it’s 10 times harder that what I had gone through following the 2008 stock crash.

This time is harder because my portfolio is larger and that margin thing of mine is not helping in any way. To end this on a positive note, the TSX gain some points in the late afternoon and again, I taught, no one of TD is going to call me today. Not today.

Monday, October 3, 2011

For Jean-François Tardif, former hedge fund manager: cash is king

This is quite huge. Who could know? In those difficult times, Jean-François Tardif, ex super star hedge fund manager is holding 70% of his portfolio in cold cash! Jean-François Tardif the master of the TSX himself is only holding 30% of his portfolio in stocks and bonds. JUST 30%. Read it here.


I am following Jean-François Tardif like no one else out there. See, it happen that the guy is quite mysterious but even there, he managed do some comebacks from time to time, a Jean-François Tardif fresh band news pop up. And of course, I am reading it all. And this time, Jean-François Tardif is getting back to the basic of investment: cash. Jean-François Tardif is not investing in silver, not even in gold.

So seem like my decision to pay off debt until the end of 2011 is a good decision after all. Don’t you think so?

I am a f genius. LOL.

Oh, and by the way, Jean-François Tardif also said that a 5-6% will be the average portfolio return in the next couple of years. A 5-6% per year. Not 7. Not 8. Not 9. Just a tiny little 5 to 6%.


At this time, I think I will just leave my portfolio the way it is and pay on my massive debt because gees, Jean-François Tardif himself has more than 70% of his portfolio in CASH. We got this incredible chance, us, retail investors, to know what’s going on with Jean-François Tardif. The millionaire is holding not stock, but cash!!!! We have to take that in huge consideration.

At this time, the best thing I can for my little self is to pay off some debt. That’s what I will be doing in the next couple of weeks.

I am extremely happy to have discovered this today. Because in case you didn’t know, here at the Dividend Girl blog, we’re HUGE fan of Jean-François Tardif and the fact that Jean-François is a Quebecker doesn’t change anything in that.


I know I know... I SO BAD AND SO BLESS at the same time.

I am happy to see Jean-François Tardif off the market a little because being in it, being fully invested is really not easy at this time. I am able to go through this because I am now at home in New Brunswick, I am not getting here the stress of the city. Here, I can live my market stress by looking at trees of my backyard.

I don’t know how things will turn out but I know for sure that getting a view from Jean-François Tardif himself is kind of a release. I don’t think he would have appreciated managing an hedge fund in those market conditions. Got to admire the man if you’re not stupid 100% fully invested (which I am unfortunately am).

They call it a bear market

They call it a bear market. And myself, I don’t know how to name the description we’re living in at this time. I did not expect to be so bad. I did not expect to lose more than 16 000$ on the market. It was not planned; it wasn’t supposed to happen to me. This is not my destiny. This is not how I had plan things to be like. I was supposed to have it easy. Not soo hard. I had been doing so well and now, the hard work is, for now – gone with the wind. In a matter of just a couple of weeks, I went from a beautiful 160k in asset to the now you know what.

I am not totally in desperation, but... This is king of hard and it’s getting harder each single time the TSX is taking a hit. I am being punch down like if a dragon would be punching my stomach over and over again.

In my live, nothing is very much easy. I took a nice summer vacations at the end of July. When I came back, I got hit by behind by the August stock crash. Months pass, but the situation is not getting better – but that being just for the portfolio life. Because if you are asking me about my personal life, well strangely, it never been better.

I never taught it would had become possible for me to change job, to get even a better one and, even better, get that better job in a better province other than Quebec. That being in New Brunswick of course.

But it seem like I cannot have it all.

Good night.

Sunday, October 2, 2011

Dealing with a massive 85 168.13$ worth of debt

I am currently at 85 168.13$. That amount do not include my current credit card balance of 1 854.55$ because I manage to pay my credit card balance every month. So my official amount of debt is of an awfully high 87 022.68$. Many things explain that high level of debt: my move from New Brunswick to Montreal, my little trip to Ottawa just before leaving, the visit of my mom to Montreal, shopping, my one time car insurance payment for the full year (1 300$)... All those things had significantly increased my debt level. 

At 85 168.13$, I am the highest I had never been in debt. Another factor that is not helping in all this is the situation regarding the TMX Group Inc. (X). I had purchased some X stocks back in February 2011 using my margin account money, hoping to get rich over the London Stock Exchange deal. Unfortunately, the merger project got cancel, and now the Maple Group acquisition project is still pending.

September 30, 2011 was supposed to be the closing date for TMX investors to choose between a maximum of cash or a maximum of stocks... I had picked a maximum of cash option in order to reduce the money I borrowed on my margin and also to make a good profit out of the sale. But here again, it did not happen. So fact that the deal did not go through yet is not helping my situation is any way. If the deal would have gone through, my debt level would be at 80k right now. Not 85k.

Many factors are not helping me in the management of my debt.

It could take several months before the TMX-Maple Group go through. In the mean time, I decided to hold. TMX stock value is stable and could even increase in the next couple months. I don’t feel that selling is an obligation at this time but at the same time, I feel that I need to do something about my debt. And at the same time, I still have planned ahead my next investment – probably in Enbridge (ENB).

So what am I going to do about this mess? :0)

Well, after studying at the numbers, I think – for once – that I will be looking forward at reducing my debt level until the end of year 2011, hoping that in the mean time, the Maple Group-TMX deal will go through.

My debt situation on date of October 2, 2011

8 830.15$ at a low interest rate of 4.75% (RRSP credit line rates) = 419.43$ in annual interest

4 900$ at a low interest rate of 4% (credit line rates) = 196$ in annual interest

7 790$ on a TD Canada Trust credit card at a low interest rate of 4.9% (result of a credit card balance transfer) = 381.71$ in annual interest

7 238.77$ at low interest rate loan at 5.50% (student loan) = 398.13$ in annual interest

5 000$ at 8.75% (credit line) = 437.50$ in annual interest PAID OFF

10 000$ at 7.52% (credit line rates) = 752$ in annual interest

46 409.21$ at a low interest rates of 4.25% (margin money coming from TD Water house): =
1 972.39$ in annual interest

TOTAL: 85 168.13$

TOTAL in annual interest: 4 119.66$
[In date of October 2, 2011]

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