How many Denis Gagnon dressses can I buy with 149 658.45$?

Yeah, 149 658.45$ is what I own in date of February 10, 2011. This past Sunday was the last day for Denis Gagnon exhibition Denis Gagnon Shows All at the Contemporary Art Square located in the Montreal Museum of Fine Arts (MMFA).

I went in a rush, but I don't regret, despite the fact that Denis Gagnon is a Quebec independentist. Denis Gagnon might be a Quebec independentist, openly promoting the independence of Quebec from Canada (willing to make Quebec becoming a country of its own), but he is a grand couturier. Denis Gagnon exhibition was AWESOME! My first contact with the haute couture... Here are some beautiful pictures taken with my iPod. Hope you will appreciate.

How to use Sprott Physical Silver Trust UTS (PHS.U) to leverage your finance

Today I wake up and the day start on a strange way: I decided to sell more than 400 units of Just Energy Group Inc. (JE). This was the first time I was selling some stocks of Just Energy Group Inc. (JE). Why did I decide to sell some units of Just Energy Group Inc. (JE)?

The value of JE in my portfolio was exceeding the 16 000$. Following my last purchase of 300 stocks of Just Energy Group Inc. (JE) not too long ago, a reader said that I might be holding too much in Just Energy Group Inc. (JE). I took the decision to sell some stocks of Just Energy Group Inc. (JE) not because I no longer belive in the company, but because I felt important to reconsider my latest investment in JE. Fact is, 16 000$ is quite some money. I find it incredible to hold that much in one single company (considering the current state of my portfolio).

Also, I wanted to sell some JE in order to extend my portfolio in other area, without knowing about what I would like to invest next... I still own some stocks of Just Energy, I will always be an investor in JE. I love Just Energy! And for a couple of days, my dream was a reality: I had been holding more than 1 000 stocks in JE, my dream had came true... for a couple of days....lol...

Following the sell of some stocks of JE, I decided, to invest in 25 stocks of TD (yep, I had invested in my favorite bank, finally!) and 400 units of PHS.U. Why did I pick those 2 investments? Well, what I am looking for is leverage. With those 2 investments, chances are that I will be able to register some great gain on a relatively short period of time. That's the deal. That's what I want: MONEY lol.

Seriously, I know I can make great money out of the Sprott Physical Silver Trust UTS (PHS.U) because I already made great money through the Sprott Physical Silver Trust UTS (PHS.U). Back in November 2010, I had purchased 200 units of PHS.U at 10.73$! Currently, the units are at 13.46$! We are talking here about a profit of 546$! Very good!

I never own some TD stocks before, but I am very proud to be a new TD Canada Trust (TD) investor, even for the extra tiny amount of stocks purchase. I can easily see TD stock hit the 80$+ without too much trouble.

That's the changes that happen today in my portfolio. But that's not all, because some other changes could happen soon? Why? Well today, I may be single on Valentine Day, writing this post. But where is my Valentine? lol.. BUT, I had received an email from a reader giving me a great opportunity in a company that I never heard before: DATA Group Income Fund (DGI.UN). The fund is what it is, it's an income fund, it could be the only one left inside the TSX. I don't know.

Despite the fact that I am holding several companies, adding another one to the bunch is just a benefit, because it's add to the diversification of the asset. I don't have a specific diversification scheme, but I like to have a diversify portfolio and I think that, even at this time, I hold a diversify portfolio. When I have to leave home to go to work, I feel comfortable leaving the stock market behind, because I know my portfolio is diversify.

I will post more about DATA Group Income Fund (DGI.UN) on a later date. In the meantime, you can do your own search. You'll see, the dividend yield is very great!!

Don't forget: life is about getting what you want.

Happy Valentine trading

Latest trading update, could not post - or I was going to be late for work:
Sell of 438 unis of JE for 6 279.69$.
Purchase of 400 units of PHS.S for 5 424.91$.
Purchase of 25 stocks of TD for 1 985.99$.

Happy Valentine!

About my latest stock investment in TMX Group Inc. (X)

I had been lucky enough to catch TMX Group Inc. (X) when its stock price was at 41.97$. Whit this investment, I am looking to get the same thing as for my investment in EnCana Corporation (ECA): good quality grow and some dividend among the way. Back in the time, I was able to purchase 200 stocks of EnCana Corporation (ECA) at 29.59$. It was a great bargain. I don't think EnCana Corporation (ECA) while go down to 29.59$ any time soon. My initial investment of 5 918$ in EnCana currently worth 6 237$, for a 319$ profit. EnCana close Friday at 31.03$.

As for now, I want to hold ECA because I am pretty sure it ECA will reach 35$ per unit soon and, for long term, I am looking for a 40$ per stock. Does it mean I will sell EnCana when it reached 35$-40$ per stock? No because it's a quality stock in natural resources and on top of that, it's a Derek Foster stock. And remember, ECA was once at 60$+, it could hit the 60$ per stock again when the TSX hit back its old 15 000 points like in 2008, before the stock crash.

When it come to TMX Group Inc. (X), it's a different story. At more than 40$ per stock, my investment in TMX represent quite some money. A lot of money that I don't have in form of real cash. I used some of my margin money to place this stock purchase. At this point, my using of margin is balance. I had borrowed 28 013$ of my margin. I still have available close to 35 000$ available on my margin. I feel comfortable with those numbers.

This 28 013$ include the 5 000$ that I use to pay off my line of credit. If I feel the market is getting volatile, I can at anytime transfer the money back in my margin account. I feel my margin is well balance yes, but under no circumstances, I cannot place any other stock purchase order using my margin money. That could be potentially dangerous. I am willing to take the risk with the current holdings I have, but I cannot handle more risk.

Why did I suddenly decide to invest in TMX Group Inc. (X)? Well, on February 9, 2011, TMX Group Inc. (X) discuss merger with the London Stock Exchange Group. Without knowing more than that, I knew this was something very important and we could possibly consider the date of February 9, 2011 as an historic event, prior to the actual merger.

The deal is not completed yet, as Ontario and Quebec provinces are the only 2 players left that need to agree in order to close the merger. If Quebec province refused, I suggest to kick out Quebec province from Canada. No more problem. No more time wasted. Stephen Harper had spend so much time trying to satisfy the fools, its awful. Now, time to satisfy us Canadian workers-investors. We are going to make millions out of this. And watch out for very awesome profit for TMX Group Inc. (X). And by the way, Quebeckers are not smart enough to be in charge of something as important as financial regulation. It's should be a federal jurisdiction. We are one country, one currency, one federal power. Rock on Canada. Make be become rich $$$.

Banking on Sunday is now possible at TD Canada Trust

For a reason that I didn't figure out yet, most of the Canadian banks have horrible opening hours.

Need example? Scotiabank opening hours for a Montreal downtown location are from 9am to 5pm, from Monday to Friday. Those are not opening hours that respect customers working hours. Most people have a work schedule of 9 to 5... so for those people, it's not convenient do to their banking with Scotiabank. I would say that Scotiabank could be a better fit for senior citizens, who don't work anymore for their living. Because if you work, as any young individual of my age, younger or older, from Monday to Friday, from 9am to 5pm, there's no way to get the banking services needed from Scotiabank. those hours of operation are not respectful for the customers. Someone who's with Scotiabnak and need to take an appointment to open a credit card, credit line or other financial products basically need to take a few hours off from his/her job to be able to get the product wanted.

Being those horrible opening hours, I find there's a lot of vanity. In the sense that it's the customer who need to make the effort to fit its schedule to the bank opening hours. We are now in 2011, this shouldn't be the case anymore. I took here the example of Scotiabank, but Scotiabank is not the only bank with horrible opening hours.

BMO Bank of Montreal branches would be another example of very bad customer services. Because yes, if you cannot operated in other to fit customers need, well, that's what I personally consider as being extremely bad customer services. For a while, I was working at BMO Bank of Montreal, Montreal call center. Trust me, customer services is bad from inside out. Knowing also that BMO Bank of Montreal did not paid overtime to some employers of BMO Nesbitt Burns... Well, you know, BMO Bank of Montreal managers, and the CEO, are not looking to provide to their customers good quality services. All they want is sale sale sale. They push a lot on sale at the call center of Montreal, BMO Bank of Montreal. If mutual funds and other financial products that BMO Bank of Montreal would had been good, I would had been making plenty of sales when I was working at their call center. I am currently among the top seller where I work right now. Actually, for 2010, I was the top seller. So I know how to sell, how to present things. I know how to present a product or services that will advantage best the customer. It's all about making a sell that will advantage the customer. That's my philosophy.

Anyhow, just to say that BMO Bank of Montreal doesn't have it all. They pushed too much on sell for nothing. Would you pay 30$ per month for BMO Bank of Montreal? Common on! See that's the lack of common sense I had to tell everyday while working at BMO Bank of Montreal. BMO Bank of Montreal is not good for their employees, and their not good for their customers either. Sell come naturally when you have great product to offer to customers. BMO Bank of Montreal mutual funds are far of being among top performer. Nothing at BMO Bank of Montreal really worth it. BMO Bank of Montreal is a Quebec bank and its show by their poor management and poor caring for customers. Because if BMO Bank of Montreal would really care about customers, they would open early in the morning and late at night, they would be open on Saturday and Sunday. But it's currently not the case.

If we take per example the branch of BMO Bank of Montreal located at 670 on St Catherine West, corner University, right downtown Montreal. The opening hours for that branch are from 10am to 5pm, from Monday to Friday... this is even worst of what I saw for RBC Royal Bank. RBC bank open at 9am... And TD? 8am.

In other words: Making money make sense for BMO Bank of Montreal, but that's the only thing they really care about: make money on customers while providing them horrible opening hours. Ok, some of BMO Bank of Montreal branches are open on Saturday, but it's not enough. The vast majority of BMO Bank of Montreal branches are not open on Saturday. And Sunday? Well, forget about the Sunday... BMO Bank of Montreal employees who work at BMO branches are off on that day. What a bunch of lazy individuals! So when I was fired for no reason from BMO Bank of Montreal, I didn't worry, I wasn't going to work for a stupid administration all of my live. Since that time, I had been better than ever. So better stay away from BMO Bank of Montreal. That's how I become wealthy financially. And a big part of what I have today come because I had an awesome service from TD Canada Trust and TD Waterhouse.

Things are completely different at TD Canada Trust. I had been a TD customer since 2005. Even at that time, they were open on Saturday. Being able to rely on a bank who's willing to provide you everything you want, including very large opening hours is very great! As workers and investors, Canadians deserved a bank who can support their needs and I personally find that at TD.

It's important to give your business at a financial institution that had understood that the normal individual work from 9 to 5, from Monday to Friday. In Canada, TD Canada Trust is the only financial institution who open as early as 8am. The other institutions don't care if you have to miss some work hours to do your banking with them. They simply don't care. Among Canadian financial services, is the culture of arrogance and vanity that exist. And this is very true in Montreal. And it's very funny in a way. Quebec culture is one of corruption. I had experiment it while working at BMO Bank of Montreal, Montreal call center.

Here's the letter I got when I got laid off from BMO Bank of Montreal:

"Madame XXX,

Suite à nos récentes discussions concernant vos difficultés à fournir un rendement satisfaisant sur votre poste, nous désirons vous informer que nous sommes toujours insatisfaits de votre rendement.

Pour ces motifs, et étant toujours en période de probation, nous n'avons d'autre alternative que de vous aviser que nous mettons fin à votre emploi effectif aujourd'hui le XXX.

Vous recevrez deux semaines de salaire en guise de préavis. Votre rémunération cessera le XXX. Pour ce qui a trait à vos avantages sociaux, veuillez vous référer au document d'information ci-joint."

I had been fired without any explanations, as no explanations appear in this letter. The director was obese, very hyprocrite. She told me once that I was reserved (tu es réservée). It was always about comments to push me down. And I am not reserved by the way, I am calm. That's why I had been able to perform so well on the stock market. At BMO Bank of Montreal, I was under probation, willing to learn, and I am getting told that my performance is not good? To get the skills required time. But seem like they were not smart enough at BMO to understand that.

I had to deal with a bunch of idiots while working at BMO Bank of Montreal. One night, I asked a question to the assistant supervisor, he didn't want to help at all. And I got this customer who had been promised a cash advance. Anyhow, the money wasn't there. The situation was simple, the money needed to be add to the banking account because the customer had been promised so. A note in the account was related to the question. Of course, its not an operation that I could performed myself, so I report myself to the assistant supervisor. Than, instead of performing the operation, he became to ask me foolish questions. To what I reply why are you asking all those questions, there's a note in the account, the money is not there. what are you waiting for? To that, the assistant supervisor stupidly say: I want to understand your banking logic (je veux comprendre ta logique bancaire)... and during that time, the customer was waiting, waiting and waiting.

The assistant supervisor was a complete idiots and he was laughing on me all the time. So my direct supervisor. One day, she attack me because the customer I had online hang up. It was a different case. For the shift 6pm to 2 am, most of the time, the only floor support available was the assistant supervisor and supervisor. There was plenty of calls non stop, and they were both super busy. Most of the time, assistant supervisor was receiving call himself. All new tellers were left alone. Which I find irresponsible. As tellers, we were poorly train. I had a very good co-worker who got fired during the integration period. Another girl had worked at CIBC before, she got fired too during the integration period. fired, fired, fired. BMO Bank of Montreal hired people on a regular basis for their Montreal call center. Reason behind is a poor management. they keep hiring, firing, treat workers like animals. and the atmosphere at the BMO Bank of Montreal, Montreal call center is not good. The managers created all that pressure around sales. Very ridiculous. No one can do great sell if the good products are not there. Doesn't it seem logic to you? Do you really think I am going to sell a banking package at 30$ per month, which make no sense at all, just to make you happy? Everything I live at BMO Bank of Montreal was non sense. Other people who got laid off of BMO can also testify of the stupidity. But here, we are talking about a stupidity, the stupidity of Quebeckers. In New Brunswick, we know well about the idiots, that's why NB Power did not got sell to Quebec province. No one in my province want to deal with stupidity. As Canadians, we have to learn how to protect ourselves from the stupidity of Quebeckers. I myself prepare to leave Quebec province, that's why my portfolio is very nice at this time. i am getting ready to leave those dumb people behind forever.

I had been pushed down at BMO Bank of Montreal. i had move from Ottawa to Montreal a couple of years ago to accept a position at Lexi-tech International, now name CLS Lexi-tech in their Brossard office. I was shocked to find out that the director, a petite obese woman had her daughter working with her in the same office. Her daughter was working for the human resources in the same office as her mother. From what I was told, her daughter report herself to the Moncton (New Brunswick) office. the director had personally trained her daughter to translation, making her proofread client documents and so on. The director daughter was not very skill for human resources task, it was cleared she was there because her mother was the director of the office. And people seem to accept that. There's a lot of favoritism in Quebec. I am not for favoritism. I was happy to be working for a New Brunswick company. Lexi-tech International, now name CLS Lexi-tech was found in Moncton in the late 1980s. But my dream turn into a nightmare. Can you imagine: I had moved from Ottawa to Brossard (QC) to find myself working with hypocrites, having a thing for favoritism. Because on top of that, the Brossard office was giving a lot of work to people they knew.

Currently where I work in Montreal, I had been working there since 3 years, since my experience with Lexi-tech International, now name CLS Lexi-tech. I still waiting for my salary raise that should had been giving to me in November. That's what they do at that place: they never give the promise raise, employees leave and they keep the money in their pockets. The working place is horrible, we are working on old Dell computer "boxes" on square screens. the place is never clean. And they keep hiring, hiring, hiring, firing, firing, firing, just like BMO Bank of Montreal.

So when it come to Quebec province, don't come here. Jean Charest is Quebec leader and his corruption. Jean Charest represent well his people, who most of them are hypocrites and of a very corrupted nature. If you have foreign diplomas, in Quebec, you don't get recognize. And even as an individual, you don't get recognize. Some of my co-workers had been doctors in Haiti. Here in Quebec, those same individuals can't get better than a job in a call center. To them, I always told them to try in New Brunswick, Ontario. Education is a provincial jurisdiction. and since Quebec province is the way it is for now, I always tell to those brave people to try in another province. Even where I had been working, some people are giving higher position and they haven't been working there as long as myself. I mean, for the help of God, don't ever move to Quebec province. Don't do the same mistake I did 3 years ago.

When I think about it, being fired from BMO Bank of Montreal was a blessing. Its just show that I blow them all. Someone like me, who perform so well in life and on the stock market, well, Quebecois don't like that and are willing to do everything they can to push me down. but you push me down, I want more, I get more and I get better. I dedicate my financial success to all those idiots of Quebecois who had pushed me down. This is for you, idiots.

Ever since I got fired from BMO Bank of Montreal, my investment technique got stronger, my portfolio got hotter and dividend income, juicy. And now, I am on my way to make a living from dividend. So check me out.

And when it come to banking services, only deal with the best: TD Canada Trust. TD, as its name suggest it, is a Toronto based bank. Nothing include or involve anything related to Quebec. So you won't ever have to deal with stupidity. And remember: TD Canada Trust has been ranked Highest in customer satisfaction among the big five retail banks 5 years in a row by J.D. Power and Associates. And now, the best Canadian bank offer banking services on Sunday in more than 300 branches! This is the kind of banking services everyone need and its important to be able to benefit from it.

I prefer the word Quebeckers to Quebecois because it make them sound dumb as just they are.

Horizons Gold Yield Fund (HGY.UN) increased its cash distribution to 8.73%

A couple of days ago, I had received Horizons Gold Yield Fund (HGY.UN) dividend. I was expecting a 10.83$ in dividend income for the month of February 2011. But instead, I had received a good 14.40$. How come?

While reading the press release of January 20, 2011, AlphaPro Management Inc. announced a first monthly distribution of $0.0720 per unit. It's not being said in the press release, but the dividend yield had magically increased from 6.5% (which has initially announced in the public offering of Horizons Gold Yield Fund (HGY.UN)). Which mean that we slide from 6.5% to 8.73%! WOW!

This is very good because I had used margin money to invest in 200 stocks of Horizons Gold Yield Fund (HGY.UN). That's why I am sooooo happy with this dividend increase! I had been so lucky with my investments so far. I hope luck will remain on my side. It's not for nothing I wanted so badly to enter in the public offering of Horizons Gold Yield Fund (HGY.UN) after all. I knew without knowing. Thanks to TD Waterhouse, the best of all is that I didn't have to pay any commission fee in order to get my hands of the precious gold units!

From what I had experienced so far, Horizons Gold Yield Fund (HGY.UN) stock price is stable. The value the never gone below 9$ since I had been holding Horizons Gold Yield Fund (HGY.UN). I had been Horizons Gold Yield Fund (HGY.UN) since their public offering.

Think about it, Horizons Gold Yield Fund (HGY.UN) has everything you ever dream of: gold investment (secure, pretty safe), stability in value, and a huge dividend yield of 8.73%. Perfection seem to have it's name! It's Horizons Gold Yield Fund (HGY.UN). Get a taste of the beauty and the richness of GOLD.

Dividend cash distribution update

Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 312$ (special dividend) + 55$ = 367$
Dividend yield: 1.41%

Bank of Nova Scotia (BNS): 157.29$ + 150$ (extra dividend gains in January 2011 in result of a temporary investment) = 307.29$
Dividend yield: 3.31%

Methanex Corporation (MX): 63.86$
Dividend yield: 2.19%

Fortis (FTS): 120.91$
Dividend yield: 3.43%

Pembina Pipeline Corporation (PPL): 675.48$
Dividend yield: 7.01%

Just Energy Group Inc. (JE): 213.60$ (special dividend (not announced yet) of 20 cents) + 1 324.32$ = 1 537.92$
Dividend yield: 8.24%

Yellow Media Inc. (YLO): 374.40$
Dividend yield: 10.71%

Bell Aliant Inc. (BA): 385.70$
Dividend yield: 7%

Pengrowth Energy Corporation (PGF): 179.76$
Dividend yield: 6.84%

Enbridge Income Fund Holdings Inc. (ENF): 369.15$
Dividend yield: 6.57%

Corby Distilleries Limited (CDL.A): 113.12$
Dividend yield: 3.27%

Davis + Henderson Corporation (DH): 371.68$
Dividend yield: 8.80%

Premium Brands Holdings Corporation (PBH): 245.44$
Dividend yield: 7.59%

EnCana Corporation (ECA): 160.80$
Dividend yield: 2.49%

iShares S&P/TSX Capped REIT Index (XRE): 112.42$
Dividend yield: 5.18%

Horizons Gold Yield Fund (HGY.UN): 172.80$
Dividend yield: 8.73%

Canfor Pulp Products Inc. (CFX): 140$
Dividend yield: 10.26%

New Flyer Industries Inc. (NFI.UN): 234$
Dividend yield: 9.857%

Superior Plus Corp. (SPB): 324$
Dividend yield: 13.33%

Capital Power Income L.P. (CPA.UN): 176.40$
Dividend yield: 9.145%

Exchange Income Corporation (EIF): 156$
Dividend yield: 8.05%

Rogers Sugar Inc. (RSI): 102$
Dividend yield: 6.039%

Student Transportation (STB): 112$
Dividend yield: 8.12%

Colabor Group Inc. (GCL): 216$
Dividend yield: 9.17%

TMX Group Inc. (X): 156$
Dividend yield: 3.80%

TOTAL: 7 174.13$

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 278.20$
Dividend yield: 8.88%

TFSA TOTAL: 278.20$

RSP investment portfolio:
EnCana Corporation (ECA): 80$
Dividend yield: 2.49%

Emera Incorporated (EMA): 251.32$
Dividend yield: 4.19%

RSP TOTAL: 331.32$

OVERALL TOTAL: 7 783.65$

I am now at 149 658.45$

I am now very close to the 150k in assets and I am now very close to the 70$k in debt... This morning when I wake up, I just had one idea on mind: it wasn't about paying some debt, it was about investing in the TMX Group Inc. (X). And guess what, my timing was perfect. Recently, I had been lucky, but my luck could go away. It's the reason why I won't go deeper in debt. I won't invest more using margin money because I want to keep a healthy balance in my margin account. I want to be able to go to work without having to worry too much about what's going on with the stock market.

This morning, I purchased 100 stocks of TMX Group Inc. (X) at 41.97$. Today, TMX Group Inc. (X) closed at 42.13$. I already made a little gain of 16$, more than even to cover for my commission fee. On top of that, the investment in TMX Group Inc. (X) will pay a dividend of 40$ in March. So the money quietly add up little by little. As an investor, I am not looking for spectacular gain. What I want is stability and a good dividend return.

Talking dividend, I had received today my very first dividend of Horizons Gold Yield Fund (HGY.UN). Today, I had received 14.40$ from Horizons Gold Yield Fund (HGY.UN). From my calculation, this represent an annual dividend yield of 8.64% (if I consider 14.40$ x 12 months)... It's more than what Horizons Gold initially announced as dividend payment. But my way of calculate could be wrong... Anyhow, no matter how much is the dividend yield, I am very happy with my investment in Horizons Gold Yield Fund (HGY.UN), as much as for TMX Group Inc. (X).

Lately, some of my recent stock picks had performed extremely well. One of my latest top performer is Canfor Pulp Products Inc. (CFX). I initially invested in 100 stocks of Canfor Pulp Products Inc. (CFX), for an investment value of 1 479.99$. Currently, my investment in Canfor Pulp Products Inc. (CFX) worth 1 614$. That's a profit of 134.01$ within less than a month! Great!

I also had very good results with:

Student Transportation (STB)

Initial investment: 1 281.99$

Current value: 1 370$

Profit: 88.01$

Superior Plus Corp. (SPB):

Initial investment: 2 405.99$

Current value: 2 420$

Profit: 14.01$

Rogers Sugar Inc. (RSI)

Initial investment: 1 674.99$.

Current value: 1 686$

Profit: 11.01$

Student Transportation (STB) had performed very well. It worth it sometime to go with reader picks... In this case, Arunan (for Student Transportation (STB)) and the mountain lion man (for all the rest) were the stock pickers. THANK YOU! :)

My investment portfolio on date of February 10, 2011

Savings:
1 276.27$

Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 4 255$
Timminco (TIM): 108$
Blue Note Mining (BNT): 46$
Bank of Nova Scotia (BNS): 6 333.33$
Hanwei Energy Services (HE): 120$
Methanex Corporation (MX): 2 931.38$
Fortis (FTS): 3 617.67$
Pembina Pipeline Corporation (PPL):
9 634.25$
Just Energy Group Inc. (JE): 16 073.40$
Yellow Media Inc. (YLO): 2 913.60$
Bell Aliant Inc. (BA): 5 428.22$
Pengrowth Energy Corporation (PGF): 2 627.92$
Enbridge Income Fund Holdings Inc. (ENF): 5 630.34$
Corby Distilleries Limited (CDL.A): 3 454.20$
Davis + Henderson Corporation (DH):
4 221.80$
Premium Brands Holdings Corporation (PBH):
3 224$
EnCana Corporation (ECA): 6 436.02$
Sprott Physical Silver Trust UTS (PHS.U): 2 670$
iShares S&P/TSX Capped REIT Index (XRE): 2 154.46$
Horizons Gold Yield Fund (HGY.UN): 1 980$
Canfor Pulp Products Inc. (CFX): 1 614$
New Flyer Industries Inc. (NFI.UN): 2 358$
Superior Plus Corp. (SPB): 2 420$
Capital Power Income L.P. (CPA.UN): 1 918$
Exchange Income Corporation (EIF): 1 937$
Rogers Sugar Inc. (RSI): 1 686$
Student Transportation (STB): 1 370$
Colabor Group Inc. (GCL): 2 348$
TMX Group Inc. (X): 4 213$
Cash: 287.06$

TOTAL: 104 010.65$

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 3 124.40$
Dumont Nickel Inc. (DNI): 373.75$
Cash: 7.79$

TOTAL: 3 505.94$

RSP investment portfolio:
Sprott Canadian Equity Fund: 7 553.48$
Claymore Gold Bullion ETF (CGL): 4 143.88$
EnCana Corporation (ECA): 3 202$
Emera Incorporated (EMA): 6 386$
Cash: 87.06$

CIBC Dividend Growth Fund: 577.13$
CIBC Emerging Markets Index Fund: 399.69$
CIBC Monthly Income Fund: 1 098.41$

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$

TD Canadian Bond: 117.46$
TD Monthly Income: 113.83$
TD Emerging Markets: 86.23$
TD Energy: 100.41$
TD Precious Metals: 145.71$
TD Latin American Growth: 98.63$
TD Entertainment and Communications: 130.35$
TD Dividend Growth: 216.58$
TD U.S. Mid-Cap Growth: 121.65$

Maritime Life International Equity Fund
(Templeton): 689.02$
Manulife Simplicity Growth Portfolio: 947.38$
Maritime Life CI Harbour Seg Fund: 1 130.82$
Maritime Life Fidelity True North Seg Fund:
1 094.73$
Manulife GIF MLIA B World Invest: 663$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 569.58$
RBC U.S. Mid-Cap Equity Fund C$: 2 111.31$
RBC Global Resources Fund: 1 311.85$
RBC O'Shaughnessy International Equity Fund: 695.93$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 243.78$
RBC Global Precious Metals Fund: 1 038.75$

TOTAL: 40 666.74$

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(158.85$):
149 658.45$

Welcome TMX Group Inc. (X), 100 stocks of X in my portfolio

I just purchase 100 stocks of TMX Group Inc. (X) at 41.97$. I know, I was supposed to concentrate on debt, but this one is exciting and its nothing like FTN. TMX Group Inc. (X) is very safe to hold. Basically, TMX is the owner of the Canadian stock market!

First, there's a dividend of $0.40 cents coming soon. The dividend will be paid on March 11. To make it, you have to purchase at least 3 days before February 25.

Second, some very great things are coming ahead for the TMX Group. I don't understand too much about it, but our stock market is on negotiation with the British stock market to get both markets joint. Or something like it... No matter what it really is, Canadian, British are both intelligent parties and I hope they will get up to something, an agreement. This have to happen. Canada is part of the Commonwealth, time for us to show it all.

I guess that when the deal will be close, TMX Group Inc. (X) stocks will go up up up. That's why I invest in TMX Group Inc. (X) today and yes, I invest using my margin account.

Dealing with debt: what I plan to do with my money next

Following the sell of Financial 15 Split Corp. (FTN) in the current stock market, I had taught about what do to next. I had something to care of: pay off some debt. I am now at something close to 65k... It's going up instead of going down... But that's something typical to my financial situation. For once, I am going to try to decrease my debt level. I do not want more than 60k on debt. It's a first take I am taking to pay off debt. I will concentrate my efforts on paying my 10 000$ line of credit that I hold at 7.27%.

I have sell stock online previously

On my recent sell of Sprott Inc. (SII), even after investing in 300 new stocks of Just energy, I was able to generate a gain of 259.32$. I use 240$ of that money to pay off part of the 10 000$ debt I have. I will also deposit tomorrow the amount of this paycheck I will be receiving tonight. Also, I plan to transfer 3 000$ from my margin account at 4.25% to the credit line. This will allow me to save 16.40$ per month. Not that much, but 16.40$ x 12 months = 196.80$... So that's interesting. I don't want to use too much of my margin account balance money at this time, that's why I am not looking to transfer more than 3 000$ for margin borrowing.

Also, another reason why I want to pay off some debt is that I have a credit card balance transfer of 7 966.23$ at 4.9% that is going to expire sometime in April 2011... It doesn't seem like it, but April is not too far away. So the money I save now may go on the payment of that debt if I cannot continue on the same rate on the credit card. At this time, I didn't receive any new credit cards with balance transfer offer. I received one of those once in a while. But from existing credit cards I hold, no new offer yet.

I may be able to save around 500$ to 600$ per month to pay on debt. As for now, I like my stock investment portfolio the way it is. I am pretty sure I won't invest again for the next couple of weeks but that of course could changed.

More about my sell of Financial 15 Split Corp. (FTN)

This morning, I decided to sell my 100 stocks of Financial 15 Split Corp. (FTN). I was even able to sell at profit, making a 30$... The timing was just perfect. In all of what I earn, investment is made for the long run. I like to invest in companies that I feel that I can see myself getting older on. I am a big small cap fan and I like those companies trading at affordable price and who pay huge dividend. And in this case well, maybe Financial 15 Split Corp. (FTN) dividend yield was too good to be true. If you hold some stocks of Financial 15 Split Corp. (FTN), don't be on a rush to sell. Remember, Financial 15 Split Corp. (FTN) is a pick of the mountain lion hero himself. I did sell this morning because the sell had provided me a small gain. I wouldn't had sell if I was going to loose money among the way.

The mountain lion man is a senior. Fact is, Financial 15 Split Corp. (FTN) is extremely interesting for senior: the stock trade below 11$, and the dividend yield is HUGE! On the TMX website, the dividend yield of Financial 15 Split Corp. (FTN) is advertise as being of 14.15%!

And of course, as a dividend investor, I wanted to get that 14.15% in dividend income. You can get that dividend yield currently with Financial 15 Split Corp. (FTN). Yes, but that's being for now.

As for the next part, you might like to read this article written by Rob Carrick of the Globe and Mail.

My concern about Financial 15 Split Corp. (FTN) is for the long term. In a volatile market, the managers had been able to reach their objectives. but will be always the case, especially knowing that a 4% of the dividend yield is coming from the bank and the rest - something close to 9%, is being generated my the magic of options, among other. The dividend is made up and not natural, which could be dangerous for the long term.

Again, I don't have anything again Financial 15 Split Corp. (FTN), it's just I don't have any place for failures. I don't want to live another nightmare like of the type of Timminco (TIM). One of those is enough for a lifetime.

I just sell my 100 stocks of FTN

I decide to sell my stocks hold of FTN after reading an article of Carrick(?) of the Globe and Mail. A reader suggest me to sell, but for good reason. I sell my 100 stocks at 10.60$. I will explain a bit more about why I sell. I should had be more careful with this purchase. But my mountain lion man still got it. No time to write more, need to go to work.

Going out of bed and trading trading

No matter if you believe in God or not, or the God of the TSX lol... Nothing happen for nothing. See, I usually work on Monday, but I gave my Saturday to someone who really needed it and I took Sunday and today off. Yesterday, I sleep in late, did some stuff online, nothing much. I wrote 2 other HubPages and I hope to "pop" the 100 HubPages today. Despite fact that I didn't do that much, I sleep in late today too. There's just some times where I prefer to sleep in when I feel like sleeping. That way, at least, I don't spend money on eating out or doing anything else. Anyhow. I sleep in and when I wake up, it was around lunch time. I wake up, open the heat (its coldddddd in here), make myself some coffee, brush my teeth (yeah, I do that sometime!), start my laptop, and than, I saw the Sprott Inc. (SII) title had gain a 3%... HUGE! I didn't plan to trade anything today. Today was supposed to be a day where I stay in, doing absolutely nothing if not watching Swagbucks videos online to reach the 1400 points and order 10$ PayPal payout... That was going to be my day... But it turn out to be different. Today was a special day, it's because I wrote yesterday a HubPages about Dr. Travis Stork. I know, the guy is a hottie lol. That's why I pick him for a subject for HubPages, just like a stock pick... You pick what's look good and is good...

You might wonder again what this is all about and why God exist?

I already own several hundreds of Sprott Inc. (SII). Back in 2008, Sprott Inc. (SII) was my very first stock investment. back than, sprott Inc. (SII) was not a dividend payer. but it later on declare a small, but still, a dividend payment. Each year since 2008, Sprott Inc. (SII) pay a special dividend. And in January 2011, Sprott Inc. (SII) declare a HUGE dividend of 60 cents per unit. This is quite something because Sprott Inc. (SII) title trade at less than 10$ per stock! WOW!

Ok, so here what happen, without knowing about the 3 business rule that close a stock sell, I invested in 500 stocks of Sprott Inc. (SII), for an investment value of 4 679.99$. I wanted to qualify for Sprott special dividend of 60 cents, but I did my purchase too late. I never did a purchase in order to get a dividend payment at a specific date before. My new investment in Sprott Inc. (SII) did not qualify for the special dividend distribution and I was stocked with an investment of 4 679.99$! What had I done! What a terrible mistake! Especially knowing that Sprott Inc. (SII) quarterly dividend is only of 10 cents! Like whatttttt? 10 cents? Damn! What a mistake! I AM STUPIDDDDDDD! Ya!

But hey, I am a dividend girl and I have a bunch of luck on my side (not to say God by my side because it would be very stupid to say so). Anyhow, guess what, Sprott Inc. (SII) title reach close to 9$ per stock today! Just at the time I was in front of my laptop! It didn't took me long, I place a sell order for 557 stocks of Sprott Inc. (SII) immediately. I cancel my sell order of 9.60$ for 500 stocks of Sprott Inc. (SII). The sell of 557 stocks of Sprott Inc. (SII) generated a very good 4 977.30$!

The extra 57 stocks came from the special dividend for the Sprott Inc. (SII) I had been holding since 2008. See, a DRIP can help a lot in desperate situation.

I could had wait to do my sell, but the stock market is so difficult. I prefer to do my move now and save my trader reputation (lollll) and make a 297.31$ profit on an investment mistake! YES SIR!

After all this, it didn't take me long to realize that I could make one of my old dream come true: to hold 1 000 stocks of Just Energy Group Inc. (JE)! Whith the money, I purchase 300 stocks of Just Energy Group Inc. (JE). I own a bit more than 1 000 stocks of JE now and I am very happy. I think that I qualify for Just Energy Group Inc. (JE) latest dividend. But it's not the case, it doesn't bother me at all.

From what I calculate now, I exceed the 8 000$ in prospective dividend income for 2011. That's pretty cool!

So this is just another proof that yeah, God exist and want me to be become if not a millionaire, well, at least be comfortable in my finance. Now I really think that God exist. For real! So better be good! :0)

Welcome again Just Energy Group Inc. (JE), 300 new stocks of JE in my portfolio

Its always been my dream to hold 1 000 stocks of Just Energy Group Inc. (JE). And now my dream had come true. And I even exceed the 1 000 stocks. I just purchase 300 stocks of JE at 15.66$, for an investment value of 4 698$. I think I qualify for this month dividend. I think this time I am not doing a mistake. :)

I just sell 557 stocks of Sprott Inc. (SII)

I sell 557 stocks of Sprott Inc. (SII) at 8.94$ each, for a value of 4977.30$. Back in January, I had made a tracking mistake, I had purchase 500 stocks of Sprott in order to get extra on their special dividend but I place my sell to late... Back in the time, the investment value was of 4679.99$. thanks to special dividend that had DRIP, I had been able to sell 557 stocks and make 297.31$ from what had initially started as an investment mistake... Ouffff... thank you God of the TSX.

I am now at 147 145.43$

Which mean I am only missing 2 854.57$ before hitting the 150k! This weekend, I wanted to update my portfolio because of recent changes. but I never taught I was going to make some huge gains without any other fund being add. No new money had been add in, but some changes had been made.

Highlights on recent portfolio changes

I had been holding more than 3 000$ in the RBC O’Shaughnessy Canadian Equity Fund for quite some time. I was holding my RBC O’Shaughnessy Canadian Equity Fund units in the TFSA. I decided to sell the units and cash in the cash outside the TFSA. The sell was made very quickly and the next morning, the money was available in my chequing account. After what, I decided to invest in 200 stocks of Colabor Group Inc. (GCL) and 200 stocks of Student Transportation (STB).

Also, I don't know if you have notice, but my Maritime Life Trimark Europlus Seg Fund had now become Manulife GIF MLIA B World Invest. The Maritime Life Trimark Europlus Seg Fund.

Again with RBC, I had a 1 000$ GIC in my RRSP that arrives on its due date. That was a 1 000$ of 3 years that didn't generate any money: 0$! That GIC was link to the TSX index. It was a major deception to learn that my GIC did not generate any income. But guess what? From now on, I will no longer invest in GIC.

I invest the 1 000$ in the RBC Global Precious Metals Fund. Within a week, the investment provided me a gain of 27.38$! Much better! Eventually, I will proceed with some other changes in my RRSP holding.

Following those changes, my portfolio gain 1 864.30$, despite the TSX closing at 13 791.85 points (-49.49).

Good news as well for my Internet income which is slowly going up! Thanks for your support! I should received a 145$ payment for the month of January. I also begin to use Swagbucks a bit more. Each time I reach 700 points (by mostly using the Swagbucks search online and by watching their videos in my free time). I am now at more than 1000 points. For each trench of 700 points, I qualify to a 5$ payout... Not much, but Swagbucks is fun to use and there's also plenty of prizes other than cash that can be order. Swagbucks is free to join. I hope to be able to reach the 200$ in online income soon... 

My stock investment portfolio on date of February 4, 2011

Savings:
1 276.27$

Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 9 164.19$
Timminco (TIM): 102$
Blue Note Mining (BNT): 48$
Bank of Nova Scotia (BNS): 6 237.03$
Hanwei Energy Services (HE): 120$
Methanex Corporation (MX): 2 884$
Fortis (FTS): 3 752.49$
Pembina Pipeline Corporation (PPL):
9 681.88$
Just Energy Group Inc. (JE): 11 988.48$
Yellow Media Inc. (YLO): 2 923.20$
Bell Aliant Inc. (BA): 5 485.06$
Pengrowth Energy Corporation (PGF): 2 687.84$
Enbridge Income Fund Holdings Inc. (ENF): 5 649.60$
Corby Distilleries Limited (CDL.A): 3 466.32$
Davis + Henderson Corporation (DH):
4 191.50$
Premium Brands Holdings Corporation (PBH):
3 147.04$
EnCana Corporation (ECA): 6 367.68$
Sprott Physical Silver Trust UTS (PHS.U): 2 600$
iShares S&P/TSX Capped REIT Index (XRE): 2 145.22$
Horizons Gold Yield Fund (HGY.UN): 1 960$
Canfor Pulp Products Inc. (CFX): 1 570$
Financial 15 Split Corp. (FTN): 1 020$
New Flyer Industries Inc. (NFI.UN): 2 316$
Superior Plus Corp. (SPB): 2 396$
Capital Power Income L.P. (CPA.UN): 1 950$
Exchange Income Corporation (EIF): 1 960$
Rogers Sugar Inc. (RSI): 1 683$
Student Transportation (STB): 1 330$
Colabor Group Inc. (GCL): 2 354$
Cash: 272.66$

TOTAL: 101 453.39$

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 3 150.08$
Dumont Nickel Inc. (DNI): 359.38$
Cash: 7.79$

TOTAL: 3 517.25$

RSP investment portfolio:
Sprott Canadian Equity Fund: 7 505.85$
Claymore Gold Bullion ETF (CGL): 4 103.32$
EnCana Corporation (ECA): 3 168$
Emera Incorporated (EMA): 6 596.12$
Cash: 87.06$

CIBC Dividend Growth Fund: 575.42$
CIBC Emerging Markets Index Fund: 411.16$
CIBC Monthly Income Fund: 1 096.82$

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$

TD Canadian Bond: 117.29$
TD Monthly Income: 113.90$
TD Emerging Markets: 87.09$
TD Energy: 101.37$
TD Precious Metals: 145.01$
TD Latin American Growth: 99.61$
TD Entertainment and Communications: 127.66$
TD Dividend Growth: 216.78$
TD U.S. Mid-Cap Growth: 120.36$

Maritime Life International Equity Fund
(Templeton): 684.37$
Manulife Simplicity Growth Portfolio: 945.38$
Maritime Life CI Harbour Seg Fund: 1 128.40$
Maritime Life Fidelity True North Seg Fund:
1 114.89$
Manulife GIF MLIA B World Invest: 661.72$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 568.21$
RBC U.S. Mid-Cap Equity Fund C$: 2 065.46$
RBC Global Resources Fund: 1 317.83$
RBC O'Shaughnessy International Equity Fund: 689.28$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 241.41$
RBC Global Precious Metals Fund: 1 027.38$

TOTAL: 40 708.74$

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(149.78$):
147 145.43$

Welcome Student Transportation (STB), 200 stocks of STB in my portfolio

Recently, I invested in 200 stocks of Student Transportation (STB) following the advice of a reader. Ok, I stop you right here. It is not like its seemed. I am not going to invest in something just because I am being told by someone who supposedly read my blog that this or that investment is good. I invest in what I find interesting, whatever I believe can be a nice fit to my portfolio. And in this case, Student Transportation (STB) is a nice fit for my portfolio.

I did not regret my move. Since the time I initially invested in Student Transportation (STB) , I made an interesting gain of 88$. And Student Transportation (STB) is an interesting company if, like me, your looking for something really safe to invest in. Funny thing to say knowing that there's never safe investment when it come to stock, but I am now in my fourth year of stock investment, I am able to say that despite a stock market crash like the one live in 2008, a good diversification of asset is the key to keep it safe. It's the reason why that now more than ever, I am still investing in stocks. There's good money to be made on the stock market.

Ever dream to own a school bus? lol... Well, here's your chance to own part of a school bus...

Because yes, as it's name suggest it, Student Transportation (STB) is provider of school bus transportation services. Student Transportation (STB) was formely name Student Transportation of America Ltd.

Lou Schizas and Darcy Keith, both from the Globe and Mail had gave a positive review of Student Transportation (STB).

As for my part, I was amaze by the company. Ok, at first, a company doing business in the field of school bus can be seem as boring. But it's trully not. Because belive it or not, school bus is a business activity like any other one. Student Transportation Inc. (STI) is affordable (less than 7$ per stock at this time) and provide an excellent dividend yield to its investor.

I even received an email from a representative of Student Transportation Inc. (STI), which I find very kind of them.

If I am writing all this, it,s not only because I am very please about the email thing, it's because just like me, I want you to be able to enjoy the benefit of investing in a company like Student Transportation Inc. (STI). Reliable company, stable, willing to extend their business, affordable and good dividend yield. You will get all that with Student Transportation Inc. (STI). Student Transportation Inc. (STI) pay to their investors an excellent dividend yield of 8.171%. Student Transportation Inc. (STI) dividend is being paid on a monthly basis. The monthly distribution amount is of 0.046 cents per stock.

You can follow Student Transportation Inc. (STI) on Facebook and visit their Web site right here.

Welcome Colabor Group Inc. (GCL), 200 stocks of GCL in my portfolio

Colabor Group Inc. (GCL) is base in Boucherville (QC), a locality close to Montreal. GCL distributes dry goods, frozen foods and refrigerated foods to 68 wholesale food distributors in Quebec, Ontario and the Maritimes. The company had been in operation since 1962.

Since that time, Colabor Group Inc. (GCL) had made several acquisitions. The latest Colabor Group Inc. (GCL) acquisition was completed on February 8, 2011. On that dat, Colabor Group Inc. (GCL) acquired Les Pêcheries Norref Québec Inc. ("Norref"). Les Pêcheries Norref Québec Inc. is a Quebec province based company specialize in the distribution of distributor of fresh fish and seafood products in the province of Quebec and the Ottawa region.

Colabor Group Inc. (GCL) pay a quarterly dividend of 26.91 cents, for an annual dividend of 1.0764$. Colabor Group Inc. (GCL) dividend yield is of a very good 9.176%.

Another exciting trading day!

Today was a very good day. I invested in 200 stocks of Colabor Group Inc. (GCL) and 200 stocks of Student Transportation (STB). I am now at more than 100k in my Canadian non registered account. My annual dividend income for 2011 is now set at 7 300$. Nothing for sure, dividend payment can be suspend at anytime but chances are that I will probably be able to earn 7 300$ in dividend from my investment. For once, I am very satisfy, but the activities of the last couple of days left me quite exhausted and I am happy, everything is set for a while. I will have a daily follow up to do but I had invested in what I believe are good companies and I really hope everything will be ok.

I could easily reach the 8 000$ in dividend income without any problem. My sell order for 500 stocks of Sprott Inc. (SII) is still open. In order to easily reach the 8 400$ in dividend income, I could sell all of the units hold of Sprott Inc. (SII) (which represent more than 1 000 stocks) and reinvest the money in higher dividend payer companies. I could also sell the units I hold of Sprott Physical Silver Trust UTS (PHS.U) because this investment do not provide me any dividend. Another drastic move would be to sell everything hold inside the RRSP and cash it out... It could result in maybe 20 000$ or maybe more... But I won't perform any of those moves anytime soon. Just for now, I have a sell order for 500 stocks of Sprott Inc. (SII) at 9.60$ and that's all for now. 7 300$ in dividend income should satisfy me for a little while.

At this point, my next step would be to decrease, even just a bit, my debt level. I hold more than 60k in debt and decreasing would just make things lot more better. I realize I have a lot of debt but it's not really a problem for me. But since I am very please with my 7 300$ dividend, I may now concentrate on paying debt. Even just a little. I had pay off my 5 000$ credit line at 8.75% using my margin money. I have that 10 000$ credit line at less than 8%. Less than 8% yes, but eventually, if I could manage to pay off 50% of it, I would be very happy.

So those were my latest financial news.

But oh, I almost forgot to comment on the very bad review made by Ellen Roseman on Derek Foster latest book. Ellen Roseman is not that much of a financial journalist and I am going to explain you why.

If you are a long time reader of My first 50k blog, you know, just like me, that the most exciting part of my investment journey had started after the reading of Derek Foster books. As a big recap, I had been investing since 2005. From 2005 to 2007, i exclusively invest in GICs and mutual funds. And financially speaking, I was going no where. But than, in 2008, i began to read the Canadian Business Forum. It's there I learn about Derek Foster and his Stop Working book. His whole thing seem to be unreal for me at first. How can a middle class individual can live without working? I didn't understand anything of what Derek Foster was all about at first. Trully nothing at all. But I continue to read his posts on Canadian Business because I found his style sooo polite despite very bad comments in some occasions. So I told myself that if the guy was getting very push down, it was because he knew what he was doing. And as always (lol), I was right. "The guy", Derek Foster, knew it all. I purchase all of Derek Foster books, read them I don't know how many times, finally understood what it was all about and run to TD Waterhouse office located at the Eaton Centre to open my broker account. Little that I knew back them in what I was going to get into...

I begin to invest in stock in 2008, right before the stock market crash. I made and loss money. And belive it or not, I only made money from Derek Foster stock picks and NEVER LOSS ANY MONEY. I loss money from penny stocks trading (something Derek Foster never talk about and its a good thing trust me). I also lost money in my Timminco (TIM) adventure. I talked about this like crazy previously so you can just search for Timminco in the search engine at your right if you want to learn more about it. Despite my lost, I made more money than from what I lost.

Since my Timminco experience, I made myself the promise to give up on stock if I was going to loose money ever again. You have to understand that with my Timminco adventure, I lost 4 000$. This meaning that Eric Sprott himself own me 4 000$ but that's another story.

Following the stock crash of 2008, my portfolio never loss more than 30% in value but still, I wanted the fantastic gain, I wanted a Stop working adventure and now, everything was taking away from me.

And than, that thing happen, my guru (lol) Derek Foster sell out his portfolio. Everything was wrong, I was left without a guru. Derek Foster sold his portfolio, Jean-François Tardif was leaving the public financial scene, Steve Martin was leaving Crestreet and I was left alone, without any guru... lol... And I was wondering, at a point, what I was going to do. But for me, despite the horrible market condition, I wasn't going to sell.

But this is because I don't have a real knowledge on thing. I read financial statement and other from companies, all stuff that I ever truly understand. I do not read the financial result of a company before investing. I do a work around, reading yes, but nothing in the deep. Because I don't have the knowledge. I am not going to lie and say ok, I know it all, I know exactly what I am doing and I am doing all the homework required. That's not true. My personal next step will be to seek more for that knowledge. Anyhow, you get the point.

The problem here is that Derek Foster hold that knowledge. And when you have the knowledge to go deeper in things, you can analyze and make your own opinion out of a situation. And Derek Foster opinion about the crash was the one of a specialist, the same one as Eric Sprott saying something like governments worldwide had injected to much money in the economy that the economy we live in is not a real one. Or not a natural one. So at a point, selling stocks is the only solution. Especially when, like Derek Foster, you have a family to take care of. There was a time where selling appear as the best solution for Derek Foster. At first, I didn't understand his move, but later on, after reading shocking (because Eric Sprott is always sooooooo shocking) comments of Eric Sprott on the economy well, I told myself, Derek Foster was right. He was right at the time he sell.

Being on the stock market is dangerous. I could loose everything I have. Part of me can live with that without any problem. My real problem is that I have too much faith, I love to invest too much and after now 6 years of investment, I could not stop. It had become a need. But also a willingness to see what's going to happen next. Fact is that I know I won't ever loose everything.

See, its part of the game, there's always a contradiction, something to keep you there, just going, going and going.

I made thousands of dollars on Derek Foster picks and my investment life would had been very less interesting without his knowledge.

I don't want a perfect scheme, I want it to pop all over the place.

Edition mistakes in Derek Foster books? I LOVE THEM. It keep it real, far away from the artificial blabla.

Investment mistakes? I did mine, and a bunch of them. And so did Derek Foster. So when that poor Ellen Roseman comments Derek Foster work the way she did, it only show her ignorance and her stupidity. I don't think Ellen Roseman is actived on the stock market. She seemed to be a bit too idiot for that. Did Ellen Roseman ever write a book to help small investor? Does she provide any investment tips that ever made thousands of dollars? The answer to those questions is a big NO. A complete inactive journalist with no investment talent and no talent at all. That's what that Ellen Roseman is for me.

If Derek Foster had decided to sell his investments, its because he was aware of what was going on. But his come back in stock make me happy because hey, I wouldn't like to be left without any guru!

One of the only thing I don't like about Derek Foster Idiot Millionaire is that Derek Foster named Power Financial as a possible holding for Idiot investor like myself. My problem being that one of those jerks work for Power Financial as Vice President. His name is Henri-Paul Rousseau, ex CEO of the Caisse de dépôt et placement du Québec. Please do your search on the man and let me know if its ok for me to feel like screaming when I read about Power Financial in the latest book of Derek Foster. But that's the only thing. Otherwise, Derek Foster is that perfect that I once wrote that he was an angel. But maybe the term was not appropriate lol (!!).

200 stocks of Colabor Group Inc. (GCL) and 200 stocks of Student Transportation (STB)

I just buy 200 stocks of Colabor Group Inc. (GCL) at 6.36$ and 200 stocks of Student Transportation (STB) at 6.36$. Also, I just received Sprott Inc. (SII) special dividend, 312$. I am now very close to the 100k in my non registered Canadian account!

Hello 3 071.49$ in cash from my sell of RBC O’Shaughnessy Canadian Equity Fund

I received the money from my sell of RBC O’Shaughnessy Canadian Equity Fund this morning. Just like I expected it, I had received 3 071.49$ in my chequing account, outside my TFSA. I announced some investment I was going to make, but I decided to take off my list Veresen Inc. (VSN), TDb Split Corp. (XTD) and Provident Energy Ltd. (PVE). Just for now.

One of my reader post about a company name Student Transportation (STB). I find the company very great, something very stable and what Jean-François Tardif would probably comment on the same way he did for EnerCare Inc. (ECI) a too long time ago: something very conservative in the sense of stable and strong. In French, I would had used the word "pépère". And this is exactly what I need. A "pépère" investment. And talking about Jean-François Tardif, I don't know if you have notice, but his Premium Brands Holdings Corporation (PBH) had performed extremely well lately: the price stock now exceed the 15$!  I am very happy to hold this investment, but 2009-2010 hasn't been easy for Premium Brands Holdings Corporation (PBH) in the sense that I found personally that the stock price was a bit volatile. But I stick and hold and now, tadam, hello good wonderful profit and thank you Jean-François Tardif, whenever you are on earth. Thank you.

Tomorow morning, I plan to invest in the following:

200 stocks of Colabor Group Inc. (GCL) for an approximate value of 2 392$
Dividend yield: 9%
Dividend income: 215.20$

200 stocks of Student Transportation (STB) for an approximate value of 1 274$
Dividend yield: 8.76%
dividend income: 112$

After what, my annual dividend income for 2011 will be of 7 301.83$ (probably). I may invest again later on when my 500 stocks of Sprott Inc. (SII) will be sell. But until that time, a 7 301.83$ in dividend income is enough for me. I have a feeling I can easily reach the 8k without any trouble. It is really that easy. And hello dividend cash. $$$

My stock investment portfolio on date of February 1, 2011

Savings:
1 276.27$

Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 8 619$
Timminco (TIM): 110$
Blue Note Mining (BNT): 44$
Bank of Nova Scotia (BNS): 6 145.01$
Hanwei Energy Services (HE): 126$
Methanex Corporation (MX): 2 912.84$
Fortis (FTS): 3 727.88$
Pembina Pipeline Corporation (PPL):
9 543.32$
Just Energy Group Inc. (JE): 11 996.16$
Yellow Media Inc. (YLO): 2 932.80$
Bell Aliant Inc. (BA): 5 509.42$
Pengrowth Energy Corporation (PGF): 2 717.80$
Enbridge Income Fund Holdings Inc. (ENF): 5 649.60$
Corby Distilleries Limited (CDL.A): 3 484.50$
Davis + Henderson Corporation (DH):
4 213.72$
Premium Brands Holdings Corporation (PBH):
3 151.20$
EnCana Corporation (ECA): 6 458.13$
Sprott Physical Silver Trust UTS (PHS.U): 2 562$
iShares S&P/TSX Capped REIT Index (XRE): 2 131.36$
Horizons Gold Yield Fund (HGY.UN): 1 980$
Canfor Pulp Products Inc. (CFX): 1 495$
Financial 15 Split Corp. (FTN): 1 016$
New Flyer Industries Inc. (NFI.UN): 1 952$
Superior Plus Corp. (SPB): 2 390$
Capital Power Income L.P. (CPA.UN): 1 952$
Exchange Income Corporation (EIF): 1 985$
Rogers Sugar Inc. (RSI): 1 665$
Cash: 269.94$

TOTAL: 96 739.68$

Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
3 071.49$
EnerCare Inc. (ECI): 3 137.24$
Dumont Nickel Inc. (DNI): 345$
Cash: 7.79$

TOTAL: 6 561.52$

RSP investment portfolio:
Sprott Canadian Equity Fund: 7 348.08$
Claymore Gold Bullion ETF (CGL): 4 076.28$
EnCana Corporation (ECA): 3 213$
Emera Incorporated (EMA): 6 672.34$
Cash: 87.06$

CIBC Dividend Growth Fund: 572.76$
CIBC Emerging Markets Index Fund: 410.88$
CIBC Monthly Income Fund: 1 096.82$

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$

TD Canadian Bond: 118$
TD Monthly Income: 113.55$
TD Emerging Markets: 87.56$
TD Energy: 102.56$
TD Precious Metals: 141.33$
TD Latin American Growth: 103.09$
TD Entertainment and Communications: 125.98$
TD Dividend Growth: 214.66$
TD U.S. Mid-Cap Growth: 118.97$

Maritime Life International Equity Fund
(Templeton): 683.13$
Manulife Simplicity Growth Portfolio: 937.71$
Maritime Life CI Harbour Seg Fund: 1 112.72$
Maritime Life Fidelity True North Seg Fund:
1 073.80$
Manulife GIF MLIA B World Invest: 658.54$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 564.40$
RBC U.S. Mid-Cap Equity Fund C$: 2 047.28$
RBC Global Resources Fund: 1 308.55$
RBC O’Shaughnessy International Equity Fund: 699.84$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 238.58$

GIC Canadian Market: 1 000$

TOTAL: 40 519.53

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(144.13$):
145 281.13$

Selling my units of RBC O'Shaughnessy Canadian Equity Fund

I am so very happy right now! Today, the TSX gains points again! I watch the TSX going up for a big part of the day. I had my lunch set up at 3:30pm today: right on time to call RBC before 4pm. Until today, I own 209.10 units of RBC O'Shaughnessy Canadian Equity Fund.

Today, RBC O'Shaughnessy Canadian Equity Fund close at a fantastic 14.6891$ per unit. This mean that I should be receiving 3 071.49$ in my chequing account! I had been holding RBC O'Shaughnessy Canadian Equity Fund for a very long time. Despite holding RBC O'Shaughnessy Canadian Equity Fund for a very long time, my money made in the fund is only of 71.49$. My original investment value in the RBC O'Shaughnessy Canadian Equity Fund was of 3 000$.

Anyhow, I should be receiving the money very soon and I forget when because I was way too excited lol! Like wow, everything is working so well! Perfect timing, the stock market is up, and I have a few other investment waiting for me (Colabor Group Inc. (GCL), Veresen Inc. (VSN), TDb Split Corp. (XTD) and Provident Energy Ltd. (PVE)).

Welcome to Rogers Sugar Inc. (RSI), 300 stocks of RSI in my online future trading brokerage

Rogers Sugars Inc. (RSI) is another latest investment. Rogers Sugars Inc. (RSI) is a Montreal base company that currently trade under 6$ per stock, which made RSI very affordable to all. It's a good deal and you could see the value of Rogers Sugars Inc. (RSI) rise in the next couple of weeks. Why? The reasons are good, according to search I conduct online. This is all pure speculation as always, but chances are that Rogers Sugars Inc. (RSI) will increase in value.

Rogers Sugar Inc. (RSI) manufactures and distributes sugar. On February 4, 2011, a big cyclone, name Cyclone Yasi completely destroy Queensland sugarcane industry. Queensland is located in Australia. Queensland is the world third largest exporter of sugar. Following the sad event of Queensland, the price of sugar climb on a 30-year high on supply concerns. To learn more about this event, you can click here.

The need for sugar will increase because its third largest distributor is not able to operate. As a company, Rogers Sugar Inc. (RSI) has an annual nominal production capacity of approximately 1,000,000 metric tons.

Rogers Sugar Inc. (RSI) pay a quarterly dividends of $0.085 per share. The dividend yield of Rogers Sugar Inc. (RSI) is of 6.039%. The dividend yield is good. And on top of that, we have good chances to earn great value gains when it come to Rogers Sugar Inc. (RSI).

Just recently, Rogers Sugar Inc. (RSI) announced a dividend of $0.0850 per share of record on March 31, 2011, payable on or before April 20, 2011. Great! I qualify for the April distribution!

Welcome to Exchange Income Corporation (EIF), 100 stocks of EIF in my stock investment portfolio

More about EIF soon!

Welcome to Capital Power Income L.P. (CPA.UN), 100 stocks of CPA.UN in my stock investment portfolio

More about CPA.UN soon!

It's trading Monday, get ready for action in my online future trading brokerage

Usually I post about my trade made inside my online future trading brokerage of almost in real time, but this time, I was not able to do so. Here's my online stock market trading for today:

I sold 100 stocks of Bank of Nova Scotia (BNS). Canadian bank stocks are not for me, but I still own more than 100 stocks of Bank of Nova Scotia (BNS) inside my stock investment portfolio. The amount earn this way was of 5 675$ and I immediately continue by buying 100 stocks of Capital Power Income L.P. (CPA.UN) for an investment value of 1 969$, 100 stocks of Exchange Income Corporation (EIF) for an investment value of 1 989$ and and 300 stocks of Rogers Sugar Inc. (RSI) for an invetsment value of 1 674.99$. I like to trade commodities online, among other.

It's been quite a busy Monday. I also had called RBC financial group online banking about the selling of RBC O'Shaughnessy Canadian Equity Fund. Selling mutual fund is never easy because you never who at which price your going to sell your units. I remember that from my sell of my Crestsreet Alternative Energy Fund from the alternative energy mutual funds family that I sold last year. According to the RBC expert I talk to, the best way to sell mutual fund is to call before 4PM . The representative told me to take a look at the biggest holder of the mutual fund and if I see if they are on the high during the day. And than, if it's the case, to call back, but to call back before 4PM. If not, the sell order will go for the next business day, without a pulse of the stock market investment. I will keep an eyed on the online stock market investing tomorrow and if I see the Toronto stock exchange market is up again, I will call RBC and place my sell order for the RBC O'Shaughnessy Canadian Equity Fund.

It's never fun to sell an investment but in this case, not to say that "it's all about money" (like I explain on my dada sentence on top of my blog), but this time, it's all about reaching a dividend goal.

Also, I ask to the RBC rep how much will it be to transfer money from RBC to a commodity trading broker account hold outside the RBC channel. It's quite expensive, its 50$ per transfer type. So let's say you transfer your TFSA own at RBC to TD Waterhouse, that will cost 50$. It will cost you another 50$ to transfer your RRSP money from RBC to TD Waterhouse online. I know TD Waterhouse give 100$ or something alike whenever you bring in a what I remember is 10 000$ into their service. But I just don't remember. To trade stocks online with TD Waterhouse securities is SO EASY. That's the reason I would be willing to transfer everything into my online future trading brokerage hold with TD Waterhouse online.

I own my units of RBC O'Shaughnessy Canadian Equity Fund inside my TFSA. It doesn't worth it to pay 50$ for a TFSA transfer so I am just going to cash out the money outside the TFSA. I don't really have a choice and at this point, the TFSA is just not made for me. I explain that previously. This is because I decide to open a margin account and do margin borrowing. I have to say, buying stocks on margin is one of the easiest thing. It can be quite addictive (that's how I got enroll in more than 60k of debt... yeah.. lol).

TFSA holding are not being consider for margin investment. So bye-bye TFSA. But just for now.

Because yes, TFSA worth it, but only if you are extremely good at managing your money and, to tell the true, I like investing too much to be able to say that yeah, I got it all the way. Because no, I don't have it all. Well, not yet.

I am not saying that any of this are the best moves ever or that I am investing in the best companies ever. All of this is an ultimate try to increase my dividend income. Among the way, I also try to bring diversification in. Once everything will be completed, I will be satisfied. The only thing left to do is watch the dividend income hit my cash account or DRIP, depending of the admisibility. My dividend income still registered under a DRIP, despite the fact that it will be soon exceeding the 7 000$. I have to say, it's quite tempting to just cash in the dividend, but a DRIP, even just 1 or 2 extra stocks per month or quarter,will make a difference on the long run.

I could had wait for Bank of Nova Scotia (BNS) to gain more value, but I just couldn't wait. I had to sell another 100 stocks and I wanted to get the plan all set up now! Right now! Yeahh!

So at this time, there's only a couple of online stock investing missing from my dividend team:

200 stocks of Colabor Group Inc. (GCL) for an approximate value of 2 392$

Dividend yield: 9%

Dividend income: 215.20$

200 stocks of Veresen Inc. (VSN) for an approximate value of 2 566$

Dividend yield: 7.70%

Dividend income: 200$

200 stocks of TDb Split Corp. (XTD) for an approximate value of 1 386$

Dividend yield: 8.70%

Dividend income: 120$

147 stocks of Provident Energy Ltd. (PVE) for an approximate value of 1 181$

Dividend yield: 6.90%

Dividend income: 79.38$

Those last couple of investments worth together more than 7 000$. I don't know when exactly I will be investing in them. But time will tell. It will be whenever I feel like it.

I always have that sell limit order for 500 stocks at 9.60$ of Sprott Inc. (SII) that is open. I am not in a rush to sell this one but I wonder if Sprott Inc. (SII) will ever hit the 9.60$ ever again on the Toronto stock exchange market.