Welcome in the house Methanex Corporation (MX) dividend in my online future trading brokerage

I didn’t make any gain today from my non registered stocks and units portfolio. I close the day at 48 060.82$, loosing 242.04$ compare to March 29. It’s not dramatic, I am confident to experiment interesting gain in the upcoming weeks. Hope April will be even better than March. Difficult to believe, but another month is about to start!

I received my Methanex Corporation (MX) dividend today. I had received 15.96$ from Methanex Corporation (MX). This dividend didn’t bring extra stock to our portfolio since Methanex Corporation (MX) is at more than 20$ per stock at this time. For the month of March 2010, I had earned 193.35$ in dividend. The month of March had been quite busy for our investments. I got my RSP loan, borrow 5 000$ to invest in Just Energy Income Fund (JE.UN), etc… March had been a great month, I managed myself quite well with my online future trading brokerage. Hope the next several months will be even better.

I have a few other projects on the way. One Web site project had been working on for a little while. On May 30, a 1 000$ I was holding in the Financials GIC Plus RSP will be release. I am hoping for a return on my 1 000$ investment. I just cannot wait to see how much I will earn. I made this 1 000$ investment in the Financials GIC Plus RSP back in 2005. That was 5 years ago! On May 30, I should received at least 1 000$, if not more in my RSP saving account. When the money will be from my RSP saving account, I will transfer the money into my broker account. That amount will be added to the 259.15$ I currently hold in cash in my RSP broker account. But that will only happen in the beginning of early June. Will there any other project before June?

Well, we have that emergency fund that we had fix at 2 000$ that we want to have in our saving account. Its something extremely boring to work on, but I felt its some kind of a necessity, at some point. So we are slowly building an emergency fund of 2 000$ or around it, we’ll see what can be save. We gave ourselves until the month of May, were our RSP loan payment will begin, to match 2 000$ in savings or the closest we can be to it.

It’s pretty much it for the upcoming investment projects. Nothing much. But to do more, I would need more money.

At this point, I am very please with my portfolio. Of course I would like to see my portfolio grow even more. But it’s not like before, it’s not like I am feeling any kind of interior pressure to earn more money to purchase more stocks. So the necessity of searching for a third job is more or less there. I know its silly, but working at 3 jobs at the same time is the only way I find to earn good money without doing anything illegal.

So the question being: should I job search or not? Should we all think about this one.

Happy April fooool.

I am now at 87 087.13$

Today, our non registered portfolio reach 48 302.86$, an increase of 199.95$ compare to March 24! Consequently, we update our portfolio. Our overall portfolio increase of 339.57$, to reach 86 387.14$. To the 86 387.14$ we add 700$ in savings because it bring the overall to more than 87 000$. We really have those savings at this time, if not a bit more. Rent payment is coming soon, but my savings should stabilize later on during the month. I am looking forward for other fabulous increase! I am officially at 87 087.13$ in assets.

And what about our dividend? Let’s update our annual dividend income:

From our non registered investment portfolio:
Sprott Inc. (SII): 507 stocks x 0.16$ = 81.12$
Bank of Nova Scotia (BNS): 105 stocks x 1.96$ = 205.80$
Methanex Corporation (MX): 103 stocks x 0.62$ = 63.86$
Fortis (FTS): 105 stocks x 1.12$ = 117.60$
Pembina Pipeline Income Fund (PIF.UN): 413 units x 1.56$ = 644.28$
Just Energy Income Fund (JE.UN): 723 stocks x 1.44$ =

1 041.12$
Yellow Pages Income Fund (YLO.UN): 433 units x 0.804$ = 348.13$
Bell Aliant Regional Communications Income Fund (BA.UN): 100 units x 2.904$ = 290.40$
Pengrowth Energy Trust (PGF.UN): 106 units x 0.84$ = 89.04$
Enbridge Income Fund (ENF.UN): 306 units x 1.152$ = 352.51$
Corby Distilleries (CDL.A): 100 stocks x 0.56$ = 56$
Davis + Henderson Income Fund (DHF.UN): 100 units x 1.836$ = 183.60$
Premium Brands Holdings Corporation (PBH): 200 stocks x

1.176$ = 235.20$
TOTAL: 3 708.66$

From our Tax-free savings account (TFSA) portfolio:
Consumers’ Waterheater Income Fund (CWI.UN): 200 units x 0.648$ = 129.60$
TOTAL: 129.60$

From our RSP portfolio:
EnCana Corporation (ECA): 100 stocks x 0.80$ = 80$
Emera Incorporated (EMA): 200 stocks x 1.132$ = 226.40$
TOTAL: 306.40$

3 708.66$ + 129.60$ + 306.40$ = 4 144.66$ + 100$ from DRIP = 4 244.66$

4 244.66$ / 12 months = 353.73$

353.73$ x 10 months (April-December 2010) = 3 537.22$

87 087.13$ + 3 537.22$ = 90 624.35$

Difficult to realize, but we only have 9 months left to reach our first 100 000.00$!

My stock investment portfolio in date of March 24, 2010

Savings:
2.69$ (ING Direct)

Non registered Investments:
Stocks & Units investment portfolio
Sprott Inc. (SII): 2 175.03$
Timminco (TIM): 176$
Blue Note Mining (BNT): 44$
Bank of Nova Scotia (BNS): 5 388.60$
Hanwei Energy Services (HE): 123$
Methanex Corporation (MX): 2 539.98$
Fortis (FTS): 3 019.80$
Pembina Pipeline Income Fund (PIF.UN): 7 272.93$
Just Energy Income Fund (JE.UN): 10 237.68$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 680.27$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 592$
Pengrowth Energy Trust (PGF.UN): 1 232.78$
Enbridge Income Fund (ENF.UN): 4 020.84$
Corby Distilleries Limited (CDL.A): 1 530$
Davis + Henderson Income Fund (DHF.UN): 1 760$
Premium Brands Holdings Corporation (PBH): 2 850$

TOTAL: 48 102.91$

Tax-free savings account:
RBC O’Shaughnessy Canadian Equity Fund:
2 725.36$
The Consumers’ Waterheater Income Fund (CWI.UN):
1 054$
Sprott Canadian Equity Fund: 5 039.76$
Cash: 21.69$

TOTAL: 8 840.81$

RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 1 964$
EnCana Corporation (ECA): 3 082$
Emera Incorporated (EMA): 4 908$
Cash: 259.15$

CIBC Dividend Growth Fund: 504.32$
CIBC Emerging Markets Index Fund: 442.58$
CIBC Monthly Income Fund: 977.36$

Energy and Base Metals Term Savings (Indexed term savings): 546.25$
Natural Resources Term Savings (Indexed term
savings): 502.06$

GIC National Bank: 1 170$
GIC Finance Plus: 1 513.97$
GIC Plus: 500$

TD Canadian Bond: 111.45$
TD Monthly Income: 101.43$
TD Emerging Markets: 80.09$
TD Energy: 79.86$
TD Precious Metals: 99.82$
TD Latin American Growth: 93.51$
TD Entertainment & Communications: 105.09$
TD Dividend Growth: 200.37$
TD U.S. Mid-Cap Growth: 100.62$

Maritime Life International Equity Fund
(Templeton): 640.15$
Manulife Simplicity Growth Portfolio: 862.51$
Maritime Life CI Harbour Seg Fund: 1 012.14$
Maritime Life Fidelity True North Seg Fund: 966.18$
Maritime Life Trimark Europlus Seg Fund: 598.63$

Great West - Various: 1 704.96$

RBC Canadian Dividend Fund: 509.85$
RBC U.S. Mid-Cap Equity Fund C$: 1 829.37$
RBC Global Resources Fund: 901.48$
RBC O’Shaughnessy International Equity Fund:
587.64$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 012.88$

GIC Canadian Market: 1 000$

TOTAL: 28 967.72$

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

Savings + Stocks, units, mutual funds + Tax-free
savings account + RRSP + Online Income (93.43$):
86 047.56$
[In date of March 24, 2010]

Nice gain this morning in our non registered investment portfolio

I wake up in much better shape. No more back pain. As for now, our non registered stocks and units investment portfolio is at 48 165.93$ (at 10:30AM exactly). I cheat yesterday on my non expense rule. I will probably cheat again. The 2 000$ in savings was just a number like that up in the air, 1 000$ or even 1 500$ could do just fine, but we’ll see how it goes. Maybe I will look for another job to add more money in. Things were working extraordinary well before the BMO episode. Things will continue to work out for us. I am very happy to see Claymore Gold Bullion ETF (CGL) exceeding the 10$ per unit this morning. We have a chance to hit the 100 000.00$ mark. Things are getting pretty interesting. I am very happy to have more than 10 000$ invested in the Just Energy Income Fund (JE.UN). Would be nice to have one day 10 000$ in all the stocks and units I hold.

Its going to be difficult to see 2 000$ in our saving account without doing anything with it. I would very much to invest in 100 new stocks of Corby Distilleries Limited (CDL.A) to benefit of its DRIP. Corby Distilleries Limited (CDL.A) is a good pick of Derek Foster. Corby Distilleries Limited (CDL.A) value is pretty stable as its stock price seem to remain always around 15.20$-15.30$. This Corby Distilleries Limited (CDL.A) bring stability to our investment portfolio and we like it. Going to work for now, million things to do. Yesterday was nice because I did all of my laundry and my place is ultra-clean now. Could eat on the floor.

Keeping it in control: living on a budget

Very cold day in Montreal! I hope the weather will get better soon. I went for a walk after work. I like Lafontaine Park. It’s near my place. I am looking forward to exercise more. A horrible thing to say at 29. At 29, I should be healthy, pretty and slim. But instead, I hold 86 000$ in assets lol. It was one or the other. Just like for New Brunswick: we had to pick between fibre optic for our extra-high speed Internet or a good electric network. We had pick the optic, and no we are in a mess... I got recently horrible back pains, like I was going to broke in 2 pieces. I usually got those back pain when I am need of exercise. Working 7 days a week is not easy. But even there, if I manage myself properly, I will find time to walk more. I am not a huge sport fanatic, but just walking a couple of hours per week should do it. Usually, it’s all it takes and the pain goes away.

Anyhow, we are feeling better now. As for our non registered stocks and units portfolio, we close Friday without the 268.95$ gain realize on Friday morning. I am confident we will make other gain. It’s just that right now there’s some stuff going on with Greece but an agreement had been made with the Euro and should help to stabilize the situation. So things are going to be interesting in the next couple of days. We should be able to realize gain and keep them on.

Now that we got involved in different loans, RSP credit line loan, credit lines itself, credit card balance transfer (do we like that stuff or not)… We have some debts to take care off. We won’t be working at paying anything until we reach the 100 000.00$, but until that time, we still have to pay the minimum payments require in order to keep a good credit score to later on ask for more credit or a credit line increase.

Payment on the 10 000$ RSP credit line only begin in May. We have until that time to save some cash in our bank account. The way things are going for now, I should be able to save around 1 000$ per month. By the end of May, I should have an emergency fund of 2 000$. We never been very strong on emergency fund as I always through that in case of need, I would sell some of my investment. We registered to pre-authorized debit for the RSP credit line. We also have pre-authorized debit for CIBC Visa. It’s been working like a charm. Whenever I make a payment in advance, CIBC Visa never came to take any money of my banking account. But it hasn’t been working so well on my credit line at BMO Bank of Montreal. I usually pay my things in advance. Once, I made my payment on my BMO Bank of Montreal credit line in advance. On the same month, on the due date, BMO Bank of Montreal took the same amount out of my bank account. On that month, BMO had been paid twice. I have the proof on paper that this really happen. Wonder what I did after finding out? I simply close my BMO Bank of Montreal banking account. I am done with BMO Bank of Montreal. Shitty service and shitty way to treat employees. My BMO InvestorLine account is also close. I am forever done with BMO Bank of Montreal. Well, almost, because I didn’t close any of the credit products I hold with them. But I don’t plan to use my BMO Bank of Montreal credit card, even if it provides me airmiles. As I wrote previously, business is business. I won’t do business with people being so disrespectful with my financial property. I have a five star credit score and I want things to remain this way. That’s what I call keeping it in control.

Other than that BMO shit, we have a lot to look into. Ok, so for the first time since a very very long time, I will hold a bit more than 2.69$ in savings in my investment portfolio. It’s going to look a bit better than usual! This is not being an emergency fund really, it’s more a protective funds, just to make sure money is there whenever money is being taking out. Because once again, we want to protect our awesome credit. It’s not BMO Bank of Montreal who’s going to ruin everything. And as usual, we are going to kick ass, just like we did when we reach our first 50 000$.

Watch out what a 2 000$ can bring as value for us:

2 000$ (savings) + 86 047.56$ (value in date of March 24) + 4 239.96$ (annual dividend earning) + a gain of 5% on the value of March 24 (4 302.38$)
= 96 589.90$

This is what we could have by the end of 2010 without making any other investment.

Now, when we add 8 000$ in new investments for the period of May-December 2010:

2 000$ (savings) + 86 047.56$ (value in date of March 24) + 4 239.96$ (annual dividend earning) + a gain of 5% on the value of March 24 (4 302.38$) + 8 000$ in new investments + 300$ in new dividends
= 104 889.90$

Did you saw that, we even exceed the 100 000.00$ assets! No matter on which part we take it, the plan work!

Nice, but at this point, keeping track of my expenses is really important because I don’t plan t conduct any job search for now and I don’t plan to work more than I am working right now, reason behind being serious back pain. Someone from BMO is an expert with voodoo dolls lol.

I am not making that of a salary right now, but I spend a lot of money on coffees, DVD renting, eating out, movies… It’s very sad, but the upcoming weeks are going to nice and tough, just the way we like it lol. Reason why: there going to be a lot less spending and a lot more money in our pocket. I am not a huge spender, but when I see 400$ in spending in less than a month on my credit card: there’s a problem. We can reduce that 400$ to a 200$ very easily, just by keeping it in control. It’s just something I need to be aware of. And it’s a resolution we are taking starting tomorrow. The hardest is going to be to cut the coffees. In the past, I set myself some no coffees week without too much trouble. We should be doing alright.

Wonder how looks our budget now? It’s looking rough and tough!

It’s looking like this:

Rent: 545$
Internet: 35$
Metro pass: 70$
Bank line of credit #1: 100$
Bank line of credit #2: 125$
Credit cards balance transfer #1: 100$
Credit cards balance transfer #2: 150$
Student loan: 100$
Groceries and other: 200$
Total: 1 425$

At 200$ for groceries and other, there will be not that much spending! It’s going to be awful, but this how life goes on. We make it happen before; we are going to make it again.

Don’t worry, we can count on our dividend cash from Canadian dividend paying units, who will soon become Canadian dividend paying stocks.

Its not a bad thing after all that Pembina Pipeline Income Fund (PIF.UN) suspend its DRIP. Starting April, it won’t be possible to earn extra units out of PIF.UN. This month, we earned 53.69$ in dividend from Pembina Pipeline. Starting April, we will received a bit more than 53.69$ in dividend (meaning cash!!) from PIF.UN.

Dividend = Cash

We currently earn each month cash from different .UN invesments because we don’t own enough of unit to benefit from the DRIP. They are:

Bell Aliant Regional Communications Income Fund (BA.UN): 24.17$
Davis + Henderson Income Fund (DHF.UN): 15.33$
Pengrowth Energy Trust (PGF.UN): 7.42$

Once those will be convert into corporation, I am really going to miss the joy of receiving dividend every single months of the year!

If we calculate PIF.UN, BA.UN, DHF.UN and PGF.UN dividend all together… it make the fantatsic amount of 100.61$!

1 425$ (monthly expenses) – 100.61$ (amount of dividend earn in cash)
= 1 324.39$

This is just a little example, but it’s giving a taste of the magic of dividend: free money, that we desperately need.

And how about a gain of 268.95$ instead?

My non registered stocks and units investment portfolio is now at 48 371.86$... It’s keep adding up, increasing…This represent a gain of 268.95$ compare to March 24…It’s even more than the gain realize just yesterday.

Too bad Just Energy Income Fund (JE.UN) had to decrease at 14.18$, when I purchased 200 units at 14.29$ and 100 units at 14.30$ this last Friday... However, some other companies are « jumping ». They are: Yellow Pages Income Fund (YLO.UN), now at 6.22$, Bank of Nova Scotia (BNS) is ALMOST at 52$.... Great surprise with Enbridge Income Fund (ENF.UN) who exceed the 13$ per unit. I say surprise but hey, this is a Derek Foster pick! So we shouldn’t be surprise with this increase at all! All increase are welcome of course.

Currently, Enbridge Income Fund (ENF.UN) is at a fantastic 13.26$!! I hope the day continue like this. If so, I am going to update again the whole thing… Doesn’t look like it, but updating my portfolio always is taking me a good hour, if not an hour an a half each time. Busy Friday.

A gain of 203.24$ in my stocks & units investment portfolio

I am quite exciting on how well things are going! My only regret is to see that poor woman at the name of Ann Coulter making a fool of herself in Canadian territory. All the people I take to about it agree: Ann Coulter is a poor foolish writer, Republican, and all what happen at the University of Ottawa had giving Ann Coulter a good press coverage and it’s a shame. First, the woman is against Muslims and gays. She said in a press conference: "How did Canada go from being the country that sends us all our best comedians to a bunch of whining, crying babies that can’t take a joke?" Muslims and gay rights, among other, are not a joke. It’s not something anyone had the right to make fun of. Canada is a country of integrity. Ann Coulter makes a living by selling books. What happen at the University of Ottawa is giving her free press: see, I am actually talking about her on my blog right now!

But I feel powerless, very irritating to see Ann Coulter wanted to be well-treated in Canada. Ann Coulter won’t be well-treated in Canada because most of Canadians are for civil rights, are Muslims and gay friendly. Best thing that can possibly happen at the University of Calgary: I hope she’ll be giving her speech in front of an empty theatre. Shame at the University of Calgary, the University of Ottawa and the institution of London Ontario to have invite Ann Coulter for a speech. Also, shame at the editor of the National Post who had published an email send by a senior administrator of the University of Ottawa send to Ann Coulter. This is all a big mess and Ann Coulter is taking advantage of it. I never heard about Ann Coulter before the Ottawa events. But when I read about Ann Coulter and learn more about her, I just had one thing on mind: the bitch is better to leave Barack Obama alone! Its all I have to say about Ann Coulter. If you are not aware of Ann Coulter and what happen at the University of Ottawa, you can google Ann Coulter University of Ottawa and you’ll see by yourself… Ann Coulter is a blond freak. Should she never come to Montreal or she will receive exactly the same treatment she had received in Ottawa.

As for now, my stocks and units investment portfolio (non registered one) is currently at a very awesome 48 306.15$, a gain of 203.24$ compare to… only yesterday! I don’t even earn that much money in one day of work right now! All gain, as little as they are, all good and welcome. At this point, my investment life is much much interesting because I had reached the amount of richness I never expected to have of my life. I realize this today, as I was working… lol. I can definitively “feel” the portfolio taking form… Can you feel it too? lol… My good and bad investments experience (and bad work experience at BMO Bank of Montreal) allow me to appreciate my money even more and I can now see clearly exactly where I am going. Straight to the point as always.

So things are getting pretty hot in my investment portfolio. Yesterday, I went through this calculation:

86 047.56$ (total) in assets + 4 239.96$ in annual dividend income
= 90 287.52$

Wow…… 90 287.52$. Isn’t that awesome?

Ok, yes, I have 36 585.03$ in debts, but my yearly dividend cover the cost of the interest rate on the money I borrow. At 36 585.03$ in debts, I am not in the deep red. Well, I do not considered myself as being in the deep red, struggling with debt problems. So check this out:

4 239.96$ (amount earn in annual dividend income) – 1 775.20$ (amount of the interest generate on my 36 585.03$ debt)
= 2 464.76$

Very very good!

The key is to have enough money to cover the minimum loan payment due each month. At this point, I have no problem. Everything is under control. At least for now lol...

Hope that sharing my experience will help other to believe that the dream is possible.

If you want my point of view, BMO Bank of Montreal and Ann Coulter are looking pretty bad right now. What do you think?

I am now at 86 047.56$

Nice day today. NB Power won’t be sell to Quebec, I had purchased 300 brand new units of Just Energy Income Fund (JE.UN)… live is good! I had left 1 077.99$ in cash on my TD credit line, which is great. In case of need, I will have cash available. I could invest in 100 units of Claymore Gold Bullion ETF (CGL) since the unit price is currently under the 10$ per unit but for more safety, I prefer to have some cash available somewhere.

Nice gain for Bank of Nova Scotia (BNS). Too bad the TSX lose points today. However, I update my investment portfolio since so many changes happen in the last couple of days.

I am at 86 047.56$. Also, my level of debts had increased.

Here’s an overview of the situation:

Total assets: 86 047.56$

Annual dividend income (non registered account): 3 933.56$
Annual dividend income (registered account): 306.40$
Total in dividend income: 4 239.96$

My debt situation:
Student loan: 8 464$ at 4.75% = 402.04$ in annual interest
Credit line: 4 840$ at 3.5% = 169.40$ in annual interest
Credit line: 3 922.01$ at 8% = 313.76$ in annual interest
RSP Credit line: 10 000$ at 4.75% = 475$ in annual interest
Credit card balance transfer: 5 000$ at 4.9% = 245$ in annual interest
Credit card balance transfer: 4 359.02$ at 3.9% = 170$ in annual interest

Total of debts: 36 585.03$
Total in annual interest rate: 1 775.20$
I calculate the interest rates on an annual basis, but the credit card balance transfer I have made are valid for 6 months only.

At this point, having more debts will make no sense. Its actually barely make sense at this point. I am fair play, I like to expose it all…

Here’s my net value:

86 047.56$ (total) in assets + 4 239.96$ in annual dividend income
= 90 287.52$

90 287.52$ – 36 585.03$ (total of debt) – 1 775.20$ (total in annual interest)
= 51 927.29$

At this point, my net value is of 51 927.29$. Since my net value is more than 50 000$, I feel comfortable with my debt situation. At this point, I won’t apply for any more credit line, loan and I won’t borrow any more money using what I call my ping-pong method. At this point, I won’t go deeper in debts.

Did you notice, we are now at a 90 287.52$ (after adding the juicy dividend income). We have less than 10 000$ to go! Nice, but are we going to be able to make it? Yes, but…

I borrow money using credit card balance transfer on a regular basis. I did one back in November 2009 for the amount of 1681.78$ at 3.9%. This one will expire in May or April 2010. So what’s going to happen? If I do not receive a credit card balance transfer, I will have to sell some stocks. If we sell any of our investment, we won’t be able to make it, we won’t be able to reach our 100 000.00$ assets. The market seems to be fairly ok. I can invest 10 000$ in the next 10 months. That’s possible. But if I have to sell anything I hold to pay off one of my credit card balance transfer when they will expire…. I won’t be able to make it. And if not, my live will be ruin. I won’t be able to get my revenge on BMO Bank of Montreal who lay off me very unfairly.

So what are we going to do?

For that part, I don't know yet.

My debt situation in date of February 24, 2010

Student loan debt: 8 517.94$ at 4.75% = 404.60$ in annual interest
4 817.03$ at 3.5% = 168.60$ in annual interest
4 436.21$ at 3.9% = 173.01$ in annual interest
3 587.13$ at 8% = 286.97$ in annual interest
10 000$ at 4.75% = 475$ in annual interest

Total of debts: 31 358.31$
Total in annual interest rate: 1 508.18$
[In date of February 24, 2010]

My stock investment portfolio in date of March 5, 2010

Savings:
2.69$ (ING Direct)

Non RSP Investments:
Stocks & Units investment portfolio
Sprott Inc. (SII): 2 171.50$
Timminco (TIM): 250$
Blue Note Mining (BNT): 50$
Bank of Nova Scotia (BNS): 5 234.25$
Hanwei Energy Services (HE): 117$
Methanex Corporation (MX): 2 720.23$
Fortis (FTS): 2 998.32$
Pembina Pipeline Income Fund (PIF.UN): 7 252.28$
Just Energy Income Fund (JE.UN): 5 981.22$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 638.35$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 545$
Pengrowth Energy Trust (PGF.UN): 1 207.34$
Enbridge Income Fund (ENF.UN): 3 815.20$
Corby Distilleries Limited (CDL.A): 1 520$
Davis + Henderson Income Fund (DHF.UN): 1 658$
Premium Brands Holdings Corporation (PBH): 2 940$

TOTAL: 43 558.60$

Tax-free savings account:
RBC O'Shaughnessy Canadian Equity Fund:
2 699.51$
Creststreet Alternative Energy Fund: 1 165.71$
Sprott Canadian Equity Fund: 5 021.46$

TOTAL: 8 886.68$

RSP:
CIBC Dividend Growth Fund: 492.78$
CIBC Emerging Markets Index Fund: 433.49$
CIBC Monthly Income Fund: 967.28$

Energy and Base Metals Term Savings (Indexed term savings): 546.25$
Natural Resources Term Savings (Indexed term
savings): 502.06$

GIC National Bank: 1 170$
GIC Finance Plus: 1 513.97$
GIC Plus: 500$

TD Canadian Bond: 111.45$
TD Monthly Income: 100.21$
TD Emerging Markets: 79.22$
TD Energy: 81.98$
TD Precious Metals: 104.64$
TD Latin American Growth: 93.97$
TD Entertainment & Communications: 103$
TD Dividend Growth: 196.28$
TD U.S. Mid-Cap Growth: 99.03$

TD RSP account: 10 500.19$

Maritime Life International Equity Fund
(Templeton): 636.36$
Manulife Simplicity Growth Portfolio: 858.25$
Maritime Life CI Harbour Seg Fund: 1003.90$
Maritime Life Fidelity True North Seg Fund: 967.20$
Maritime Life Trimark Europlus Seg Fund: 597.12$

Great West - Various: 1 704.96$

RBC Canadian Dividend Fund: 503$
RBC U.S. Mid-Cap Equity Fund C$: 1 799.48$
RBC Global Resources Fund: 882.91$
RBC O'Shaughnessy International Equity Fund:
589.71$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 008.26$

GIC Canadian Market: 1 000$

TOTAL: 29 146.95$

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

Savings + Stocks, units, mutual funds + Tax-free
savings account + RRSP + Online Income (74.63$):
81 709.55$
[In date of March 5, 2010]

More more more, welcome 300 units more of Just Energy Income Fund (JE.UN)

Just before I make my 300 units purchase of Just Energy Income Fund (JE.UN), my investment portfolio (the non RSP one) was at 44 011$! WOW! I invest in 300 units of Just Energy Income Fund (JE.UN). I am now currently at 48 273.05$. Now am at... 48 294.81$ (10 seconds later). I like trading on T D Waterhouse! Experimenting the power of real time lol.

Tonight, we are going to update our investment portfolio. I hope the day will finish well on the stock market.

The poor Timminco (TIM) is now at less than 1$. Bank of Scotia (BNS) is at more than 51$.. HOT stuff going up. So go go go TSX. Make my day.

NB Power belong to New Brunswickers!

Finally! New Brunswick Premier Shawn Graham had been intelligent enough to close New Brunswick doors to Hydro-Québec! New Brunswickers had what it take to be energetic independent. Shouldn't ever loose the control of our province never again! the Québec Governement is just so ridiculous. By asking too much, Québec had the deal close. And that's better this way!

Is it New Brunswickers fault if previous provincial governement, we can think of Bernard Lord, didn't do what they should to protect New Brunswickers energy ressources? Just like other province, New Brunswick is able to be auto-sufficient. Just our ministers had stop to look ways around to sell us to foreigns, like Québec. Bernard Lord is just one of those idiot. He currently live in Montreal. One of the stupiest and laziest New Brunswick past minister live and work in Québec? Coincidence? No. too much jerks are here, especially in Montreal: Brian Mulroney, Henri-Paul Rousseau, among other. And I a just praying God almost everyday for a relocation.

But now, how New Brunswick going to produce its energy? I don't have a clue. Candle light....... lol..........

New Brunswick rock and NB Power blong to New Brunswickers and to no one else.

Anyhow, Hydro-Québec customer service is so poor, very awful. There's also a lot of billing problem. I don't want any of that shift in my province. So now things are going to be better for New Brunswickers since nothing of the poor Québec system will be in the place.

May God bless New Brunswick.

Welcome Consumers’, 200 units of The Consumers’ Waterheater Income Fund in my online future trading brokerage

Right now, things are going so great, I thing we are going to be able to make it! Our stocks and units investment portfolio (non registered one) is currently at a super great 43 781$.

Up of 222.40$ compare to March 5, 2010! Very nice! We like slow, little calm increase of our portfolio.

For our first 100 000.00$, what I am looking for is stability. Not magical gain. And I continue to believe that if I continue to diversify my portfolio, we’ll be able to make great things happen.

Today, we use the money earn by our sell of Creststreet Alternative Energy Fund to purchase 200 units of The Consumers’ Waterheater Income Fund (CWI.UN). So it’s now official, we now own 200 units of The Consumers’ Waterheater Income Fund (CWI.UN). This investment is from our Tax-free savings account.

Since March 5, 2010, many changes happen in our investment portfolio in a very short period of time. We need to update our investment portfolio, but it won’t until a couple of days. Reason why?

I currently have just a bit more than 5 000$ to invest. A 1 000$ here, a 5 000$ there… Wonder where the 5 000$ is coming from? Well, it’s coming from a ping-pong game. To know what it is about, I will be mean, if you are a new reader, you will have to refer to previous posts. And to the ones who knows what I am taking about well, to them, I will say: OUPS I DID IT AGAIN! lol….

I have to say, this morning was quite busy. I ply ping-pong. I borrow 5 000$ at 4.9% for 6 months. Initially, that money was supposed to be use to pay off one of my credit line. I know I said I won’t borrow anymore… But it’s just for 6 months and I can manage this new loan in my budget payments. After this, I am done, no more ping-pong game. Ok, I have the money, nice, but what am I going to do with it? I was thinking about investing in Just Energy Income Fund (JE.UN). I know, you’ll probably say, more units from JE.UN. But did you know, Jean-François Tardif had well rated Just Energy Income Fund (JE.UN) in, I think, 2009. Ok, we are in 2010, but I think the situation with JE.UN pretty much the same, if not better than 2009 since JE.UN had made some new acquisitions since that time. Right now, JE.UN seems a good investment. So how about 300 new units of Just Energy Income Fund (JE.UN) in our portfolio?

Why not?

See the effect on our dividend income (for the non registered part):

Currently, with The Consumers’ Waterheater Income Fund (CWI.UN) included, we have an annual dividend income of 3 501.56$.

300 new units of Just Energy Income Fund (JE.UN) will provide us 432$ in annual dividend income (1.44$ per unit).

3 501.56 + 432$ = 3 933.56$ in annual dividend income (around 327$ per month in dividend income).

At almost 4 000$ in dividend annual income, we definitively going to invest in 300 units of Just Energy Income Fund (JE.UN)! I don’t know what’s going to happen in 6 months from now once my 4.9% will have expired. But that’s just in 6 months. We also have a previous ping-pong with CIBC that should end in the next couple of months… So we are going to see what’s going to happen to all of that fantastic money.

And by the way, we had received today our Bell Aliant Regional Communications Income Fund (BA.UN) dividend. We had received 24.17$ in monthly dividend from Bell Aliant Regional Communications Income Fund (BA.UN).

Monday on the go

Another week begin on a good speed. My stocks and units investment portfolio is now at 43 797.30$, which is an increase of 238.70$ compare to what I hold on March 5th. My RSP portfolio with Emera (EMA), EnCana Corporation (ECA) and Claymore Gold Bullion EFT (CGL) didn’t do that well. I actually lost around 200$ from this group of investment. But nothing to worry about, its just the normal fluctuation of the stock market, from my point of view. But I have to say, I worry about EnCana Corporation (ECA) as the stock continue to loose some value without no reason. Just a bit scary, to tell you the true.

Newest dividend

I just received 29.18$ in monthly dividend from Enbridge Income Fund (ENF.UN). With the help of the DRIP, I earned 2 extra units of Enbridge Income Fund (ENF.UN). At this point, holding Enbridge Income Fund (ENF.UN) in my investment portfolio is very interesting because each unit now worth 13$! Nice profit right here with ENF.UN.

Creststreet Alternative Energy Fund is now part of the past

Last week, I place a sell order in order to sell all of the units I hold of Creststreet Alternative Energy Fund. I just received the cash from the sale: 1 100$. At the end, I made a profit of 100$ of this sell. I am now getting ready to make the purchase of 200 units of The Consumers’ Waterheater Income Fund (CWI.UN). I fix my order at the max price of 5.30$. Today, The Consumers’ Waterheater Income Fund (CWI.UN) close at 5.28$. So I guess the trade will go through. I prefer place my order in advance because I have things to do tomorrow morning before going to work, like getting my taxe papers ready among other things.

EnCana Corporation (ECA): the benefits of investing in green natural gas energy

This last Friday, for our RSP, we invested in 100 stocks of EnCana Corporation (ECA). I wanted to explain the reason why I decide to invest in EnCana Corporation (ECA). Part of the reason why I decide to invest in EnCana Corporation (ECA) is that the one and only Derek Foster hold some stocks of EnCana Corporation (ECA) in his very own investment portfolio. So of course, everything that Derek Foster hold, we hold too. At this point, we do not hold all of Derek Foster companies, but it should be soon! But other reasons other than Derek Foster motivate our investment in EnCana Corporation (ECA).

What’s EnCana Corporation (ECA)?

EnCana Corporation (ECA) is a Canadian corporation. The headquarters of EnCana Corporation (ECA) are located in Calgary, in the province of Alberta. EnCana Corporation (ECA) had been created only in 2002, but it’s already a huge player in the natural gas industry. Actually, in 2010, EnCana Corporation (ECA) is the largest North America's largest natural gas producer. In Canada, EnCana Corporation (ECA) operated in Alberta, northeast British Columbia and southeast Saskatchewan and in Nova Scotia. In the United States, EnCana Corporation have activities in Colorado, Wyoming, Texas and Louisiana. Over 8 000 employees work for EnCana Corporation.

EnCana Corporation (ECA) is a well-establish company, even if the company had been around only since 2002. EnCana Corporation (ECA) is one of those perfect investments for RSP. Why? EnCana Corporation had good long-term perspectives when it comes to its natural gas assets. On March 16, 2010, EnCana Corporation (ECA) declared, to repeat the worlds: “Encana’s enormous inventory of natural gas resources more than sufficient to double production in five years”. This is a major announcement. EnCana Corporation (ECA) is ALREADY North America’s largest natural gas producer. And now, the largest natural gas producer announced that its gas resources are more than sufficient to double production within the next 5 years! Competitors in the same sector will probably never be able to become larger than EnCana Corporation (ECA) since EnCana announced that they will double its productivity. This is something significant. It’s announced a lot of grow to EnCana for the years to come. We can easily suppose that EnCana will probably later on increase its dividend.

While conducting search for our RSP investment, we had to think twice about EnCana Corporation. Fact is, EnCana Corporation is only paying 0.80$ per stock in annual dividend. We are saying only because we are used to invest in companies who actually are paying much more in dividend. Examples would be: Just Energy Income Fund (JE.UN) distributed 1.44$ per unit in annual dividend, Fortis Inc. (FTS) distributed 1.12$ per stock in annual dividend, and so on. Since we hold EnCana Corporation (ECA) in a registered broker account, its low-paying dividend does not affect us as much as if we would hold the company in a non registered broker account. But no matter what, EnCana Corporation represents a great investment and we are very proud to own now 100 of its stock. EnCana Corporation trade on both TSX and NYSE under the ticket ECA.

Need other reasons to invest in EnCana Corporation, either your living north or south of the border?

Well, EnCana Corporation regularly publish note about its cash flow. Until recently, I didn’t know about cash flow, until a reader explain to me that Jean-François Tardif, the glamorous ex-hedge fund manager (who might come back who knows), was picking stocks considering the cash flow of companies. On date of today, I am still note quite familiar with cash flow, but what I can say is that EnCana Corporation (ECA) may not pay a very huge dividend, but the company has a nice cash flow and regularly publish data about its cash flow. Need examples?

On a new release publish on date of March 16, 2010, EnCana publish the following data:

EnCana 2010 Corporate Guidance
Cash flow: 4.40$-4.80$
Cash flow per share ($ per share diluted): 5.85$-6.40$

The last sentence since to mean that for each stocks that EnCana Corporation has on the stock market, a cash flow of 5.85$ to 6.40$ is associated to the value of the stock. Which could mean – always from my understanding – that the real stock value of EnCana Corporation is of 37.77$ per stock! EnCana Corporation (ECA-T) close on Friday at 31.37$, loosing 2.33% of its value. But no worries, all stocks have it’s up and down, and its sometimes follow the market. This last Friday, the TSX closes at 11 947.98 points, loosing 92.04 points.

Also regarding cash flow, on March 20, 2010, EnCana Corporation (ECA) had been ranked on the 163 position on 1 000 companies, on a Top U.S. Stocks with Highest Cash Flow per Share article.

Another reason to invest in EnCana Corporation (ECA)

We personally really appreciate green energy investments. We really appreciate our late Creststreet Alternative Energy Fund for that reason. EnCana Corporation is a company that cares about the environment. The company had received awards for environmental initiatives. In 2008, EnCana Corporation invested $50 million on new technologies in order to increase the company energy efficiency. Currently, EnCana Corporation facilities located in Haynesville Shale (Louisiana, USA) use alternate water sources wherever it’s possible. EnCana Corporation is looking for ways to reduce the amount of water use for its activities.

Last Friday, I invested in 100 stocks of EnCana Corporation (ECA) at per stock. Even we lost some money in this investment, we don’t regret, for all the reasons mention above. We will follow the progression of EnCana Corporation (ECA) and we are very excited with this newest acquisition.

A new way to invest in gold: the Claymore Gold Bullion EFT (CGL)

This Friday, we invested in 200 stocks of Claymore Gold Bullion EFT (CGL). Curious about Claymore Gold Bullion EFT? So am I. Just the world “gold bullion” is kind of catchy. Very attractive and fascinating Claymore Gold Bullion EFT.

More about Claymore Gold Bullion EFT (CGL)

Since May 28, 2009, Claymore provides the chance for investors to have exposure in gold bullion through the Claymore Gold Bullion Trust (CGL.UN). These being done without the high transaction and insurance fee, the handling, storage those are normally associated to gold bullion. While purchasing Claymore Gold Bullion EFT (CGL), if you wonder where in the world is being stored the “physical gold”, well, it’s being stored in the vaults of ScotiaMocatta, a division of the Bank of Nova Scotia. So your gold will be store in a safe place lol.

Ok, so back in 2009, the Claymore Gold Bullion was a Trust, a closed-end fund, which means an .UN investment like we like to name them. At the time, the initial public offering was at $10 per unit, for a total offer of 40,000,000 units. The investment was pretty affordable and basically everyone who had an interest in Claymore Investments and in Gold could invest in the Claymore Gold Bullion Trust. And this is exactly what we like the most about this financial product: its accessibility, not to name also its participation in gold itself. Pretty interesting stuff!

In January 2010, with $816-million under its belt, the Claymore Gold Bullion became an exchange-traded fund (EFT). We never personally invested in an exchange-traded fund before. So let’s hear the experts, see what Claymore Investments had to say regarding EFT: “An ETF is an investment fund that trades throughout the day on stock exchanges during normal trading hours. ETFs combine the advantages of investing in index funds, including diversification and low costs, coupled with the liquidity and flexibility of investing in individual stocks. ETFs offer investors many advantages over other investment vehicles, including enhanced tax efficiency, all day liquidity and complete transparency. ETFs are designed to closely track the holdings and performance of their designated index, whose selection methodology can be either passive or strategic.” Interesting, isn’t?

So the Claymore Gold Bullion changed from Claymore Gold Bullion Trust (CGL.UN) to Claymore Gold Bullion ETF. The hedged common units of the fund than began to be trade on the Toronto Stock Exchange (TSX) under CGL. At the time, it’s seemed like Claymore Investments wanted to make the trading easier for its new gold bullion product. The fact that the Claymore Gold Bullion change from Claymore Gold Bullion Trust (CGL.UN) to Claymore Gold Bullion ETF (CGL) didn’t changed, according to Som Seif, President of Claymore Investments, and the investment objective or investment restrictions of the fund. The name had changes, but it’s always the same good “gold bullion” product. Also, Claymore Gold Bullion EFT (CGL) is the very first physical gold bullion of Canadian ETFs.

This meaning that investors can now invest in Claymore Gold Bullion ETF (CGL) in the same way they invest in stocks over the Toronto Stock Exchange (TSX). Commission fees required by online brokers are the same for EFT as for stocks. Which mean that if like myself, you are a small investor who trade through T D Waterhouse, you will pay 29$ in commission fee in order to make the acquisition of some Claymore Gold Bullion ETF units, not to call them stocks. They are being trade like stocks, but they are not stocks, they are pieces of the reconstitution of an index and, more specifically in this case of the value of gold bullion. Simple and easy as 1-2-3. And good news for small investors likes us: the management fee for the Claymore Gold Bullion is only of 0.50%! Also, just like other stocks, it’s possible to listed options on the Claymore Gold Bullion ETF. This feature had been added on February 19, 2010, for the greatest pleasure of investors.

Investing in EFT allow small investors like ourselves to take advantage of the TSX without assuming all the risks. A large part of our investment portfolio is invested in stocks and units trade on the TSX. So we appreciate the qualities our newest Claymore Gold Bullion ETF acquisition. But be aware, EFT investments are not guaranteed investments. EFT investments are not risk-free investment, but an EFT like the Claymore Gold Bullion EFT can certainly bring a certain stability to an investment portfolio. We could see the EFT a bit like mutual funds, but without the high fees. The Claymore Gold Bullion ETF (CGL) is eligible for registered plans like RRSP, RRIF, RESP, DPSP and TFSA, and also non registered plan.

The Claymore Gold Bullion ETF (CGL) completes our RSP investment acquisitions of today. Earlier this morning, we purchased 200 units of Claymore Gold Bullion ETF (CGL). We pay 10.14$ per units. But here’s your change for purchase Claymore Gold Bullion ETF (CGL) at a cheaper price on Monday maybe, at the opening, since the Claymore Gold Bullion ETF close today at 9.99$. Like other financial products and stocks and units, Claymore Gold Bullion ETF has to face the market volatibility. But good news, no matter what, Claymore Gold Bullion ETF value remains relatively stable. Claymore Gold Bullion ETF lowest value since inspection had been of 9.99$ and the highest had been 10.75$. We add today the Claymore Gold Bullion ETF (CGL) thinking this investment could possibly add value to our investment portfolio. We will follow the progression of our Claymore Gold Bullion ETF (CGL) investment in the next couple of months.

Welcome Claymore, 200 new stocks of Claymore Gold Bullion ETF (CGL) in my RSP investment portfolio

Busy morning, isn't?

Our non RSP stocks and units investment portfolio is currently at 43 650.38$. Pretty strong morning at the TSX.

I also invested this morning in 200 stocks of Claymore Gold Bullion ETF (CGL). I really wanted to make this purchase ASAP! I purchase 200 stocks at 10.16$. I could had wait, since gold goes up and down all the time... But I wanted Claymore right away! Right now!!!! Gold investment is cool.

So..............

Welcome dear Claymore Gold Bullion ETF (CGL) in our investment portfolio!

Welcome EnCana, 100 new stocks of EnCana Corporation (ECA) in my RSP investment portfolio

I did a pretty good deal on this one. I purchased 100 stocks of EnCana Corporation (ECA) at 32.01$! I saw the price of EnCana Corporation (ECA) loosing value. So I set up a purchase order at the maximum price of 32.01$... And it went through! This is a good investment, even if the dividend is a bit low.

EnCana Corporation (ECA), welcome in our portfolio! :)

Welcome Emera, 200 new stocks of Emera Incorporated (EMA) in my RSP investment portfolio

This is it! I just invested in 200 stocks of Emera Incorporated (EMA). The 200 stocks were purchased in 2 blocks of 100 stocks. Don't ask me why. First block was purchased at 24.60$. The second one at 24.61$. Yeah!

Welcome Emera Incorporated (EMA) in our investment portfolio!

My RSP investments for the fiscal year of 2009

Today, something extraordinary happen: Yellow Pages Income Fund (YLO.UN) had exceeded the 6$ per stock! Yellow Pages close the day at 6.03$! That’s very good for our investment portfolio. Also, the fabulous Just Energy Income Fund (JE.UN) who finish the day at an extraordinary 14.28$! Way to go Just Energy Income Fund (JE.UN)!

Also, what I had been waiting for had finally happen: the 10 500$ from my RSP saving account got transferred into my online broker account. The money is there, just waiting for me to take some actions. So new trades are among the way. Very exciting!

We are looking forward to make some new investments. In a way, 10 500$ is not that much money, but it will certainly calm our appetite for trading for a good month or 2…

We previously discuss about the investment we would like to make. We had removed (PM) from the list. Not that PM does not represent a good investment, but fact is, PM seems to be volatile and we are greatly in need of stability and grow in our investment portfolio. Don’t forget about 100 000.00$ assets goal!

A little while ago, I discover Emera Inc. (EMA) by reading a fantastic blog: Money Energy. The blog is full of investment ideas. Since I am from New Brunswick, I always like to invest in Maritimes stocks. And Emera Inc. (EMA) is quite interesting. Pretty stable company. I like Emera. I wanted add on to my portfolio for a very long time now! So here it comes:

Emera Inc. (EMA)
Number of stock: 200
Investment value: 4 920$ + commission fee of 29$ = 4 949$
Annual dividend earning: 226.40$

This one coming from Derek Foster (Stop Working Too: You Still Can!):

EnCana Corporation (ECA)
Number of stock: 100
Investment value: 3 212$ + 29$ = 3 241$
Annual dividend earning: 80$

We now have 2 310$ left. What are we going to do with it? The magic word: GOLD. This next investment won’t pay any dividend, but it will certainly bring great stability to our investment portfolio. I never invested in gold before, so this is pretty exciting:

Claymore Gold Bullion ETF (CGL)
Number of stock: 200
Investment value: 2 028$ + 29$ = 2 057$

So this is probably what’s going to happen!

As you can see, not too much in dividend, but I acquire 2 companies I wanted for a long time and I think I am doing good investments. And that Claymore Gold Bullion is probably going to rock the house!

So those are for my RSP investment. I didn’t place any purchase order yet. I am over-excited. Gonna wait until tomorrow early morning.

Oh no! Pembina Pipeline Income Fund (PIF.UN) cancels its DRIP!

Believe it or not, I call 2 times my broker for the following reason: the dividend earned this month of Pembina Pipeline Income Fund (PIF.UN) didn’t DRIP! How come? The money was lying there in cash in my broker account. I wait almost the whole week and nothing, no DRIP! Awful!

But in 2 times, my broker had no idea of what was going on! The answer I got was something meaning: if it didn’t DRIP, its mean there’s no DRIP. Whatever! But you have to know that in the meantime, I had cancelled my DRIP because I taught I was going to transfer everything at iTrade and I didn’t want any transfer problem among the way. So I left my DRIP cancelled for about 2 weeks or so. Once my RSP loan got refused at Bank of Scotia (BNS), I decide to stay with my current broker because hey, business is business. So I really taught it was because my DRIP had been removed that my dividend of Pembina didn’t DRIP. But this wasn’t the real reason at all! The main reason being that Pembina cancel it’s DRIP! This is a nightmare!

Ok, you might tell yourself: calm down, it’s only a DRIP! Yeah, your kind of right. But did you know: 1 unit of Pembina Pipeline Income Fund (PIF.UN) = 1.56$ in annual dividend? This month, a DRIP would have provided me at least 2 brand new units! And 2 brand new units = 3.12$ in annual dividend money! See where I am coming from?

Anyhow, there will be no more extra unit of Pembina Pipeline Income Fund (PIF.UN) because the company decides to cancel its DRIP program. Kind of sad for us who worked so hard at building a strong investment portfolio. But good news: Pembina Pipeline Income Fund had confirmed a 1.56$ dividend per unit until 2013. It’s very good news for investor. Ok, this means that no dividend increase is being plan for PIF.UN until 2013. But 2013 is just in 3 years from now. And at a 1.56$ annual dividend, PIF.UN is a generous dividend payers. So when it comes to Pembina Pipeline Income Fund (PIF.UN), it’s definitively a hold for me.

My stocks & units investment portfolio in review on date of March 17, 2010

Very exciting to see the TSX at more than 12 000 points again. Like this wasn’t a one hit wonder, the 12 000 points is in the house and it’s for real! And it’s had positive effect on our investment portfolio. We note a small increase of our stocks and units investment portfolio, which is at 43 624.51$. Compare to March 5, when our stocks and units portfolio was at 43558.60$, it’s represent a nice gain of 65.91$. The goal is not to see the portfolio gain 200$ overnight, it’s mostly about having a stable portfolio, with continuous stable gains. So I am a point where I really think I am going to reach the 100 000.00$ in assets by the 2010.

Interesting gain today in my portfolio. Seem like Fortis (FTS) will soon hit the 29$ per stock. At 12.91$, we can say that Enbridge Income Fund (ENF.UN) is almost at 13$ per unit. And so on… My portfolio is doing very very well. For Bank of Nova Scotia (BNS) alone, I gain 560$ from this investment! I first purchase 100 stocks of Bank of Nova Scotia (BNS) when its stock value was at 44.82$. Bank of Nova Scotia (BNS) is now at 50.17$! I earned even more from Methanex Corporation (MX). Back than, I didn’t know too much about Methanex Corporation (MX) but I have to say, this pick pay me well! I first invested 100 stocks of Methanex when its value was at… 15.79$! The stock value of Methanex Corporation (MX) is now at 26.49$... and I now own 103 stocks of Methanex Corporation by the magic of the DRIP. This represent a profit of 1 102.10$! I also did very very well with Pembina Pipeline Income Fund (PIF.UN). My initial investment of 6026.17$ in Pembina Pipeline Income Fund (PIF.UN) now worth today 7091.21$. It’s an increase of 1 065.04$! That’s nice, isn’t? But I am not done wet!

I also did pretty well with Enbridge Income Fund (ENF.UN). I first invested 3 634.28$ in Enbridge Income Fund (ENF.UN). And currently, the very same investment worth 3 924.64$, which represent an increase of 290.36$. Nice little gain.

We can certainly continue with Fortis (FTS). I initially invested 2 625.63$ in Fortis (FTS). Currently, my Fortis (FTS) investment worth 3 041.85$. Profit = 416.22$. Kind of cool!

Ok, and what about Just Energy Income Fund (JE.UN)? Well, my initial investment in Just Energy Income Fund (JE.UN) was of 5 556.77$. The same investment in Just Energy currently worth 6 002.37$. Gain of 445.60$! After what, come and tell me I don't have it! lol :)))

And also Yellow Pages Income Fund (YLO.UN). I first invested 2 248.27$ and I am now at 2 593.67$ when it come to Yellow Pages Income Fund (YLO.UN). The increase? Of 345.40$. WOW!

I had done well with recent pick also. I am very proud of my Davis + Henderson Income Fund (DHF.UN). I first invested in 100 units at 16.88$. Davis + Henderson Income Fund (DHF.UN) is currently at 17.77$. Which represent an increase of 89$. Nice!

My Corby Distilleries Limited (CDL.A) remains stable. I had purchased 100 stocks at 15.30$. The stock value is still the same, at 15.30$.

And not to forget about Jean-François Tardif, our Premium Brands Holdings Corporation (PBH) did quite well! We initially invested 2 899$ in Premium Brands Holdings Corporation (PBH). The same investment now at 2 936$. Gain of 37$!

As part of my strategy, I try to time the market. By timing I mean I invest when I think the stock price is good. That’s how I acquire Bank of Nova Scotia (BNS). At 44$ per stock, I knew I was doing to good investment. For me, it was clear that BNS was definitely going to increase in value in a not too far future… And here we are, on date of today, just a couple of months later, I gain more than 500$ from the investment.

But I do not always time the market as my goal is to invest on a regular basis, no matter what’s going on the stock market. And I did quite well! Of course, Derek Foster is a major inspiration. And I am going to say thing simply and easily: Derek Foster kick ass!!

We talk about my success…. But I also had failed in many occasions. So the major gains I made help to recover from great loses. In order to avoid any loses; I mostly try to stick to Derek Foster plan. I also try to diversify my assets.

So here about my failures:

Blue Note Mining (BNT)
Initial investment: 689$
Now worth: 46$
-643$

Dumont Nickel (DNI)
Initial investment: 661.50$
Now worth: 460$
-201.50$

Hanwei Energy Services (HE)
Initial investment: 674$
Now worth: 114$
-560$

Sprott Inc. (SII)
Initial investment: 4 952.57$
Now worth: 2 215.59$
-2 736.98$

And the last one that I was keeping for desert, the one and only:

Timminco (TIM)
Initial investment: 4 065$
Now worth: 222$
-3 843$

TOTAL: -7 984.48$

Belive it or not, the genius investor that I am lost 7 984.48$ in the stock market. But great news: all of those investments had been done some times ago. My greatest regret is Sprott Inc. (SII) and Timminco (TIM). Who’s the responsible for my loses? Myself on first place. But secondly, Eric Sprott. Eric Sprott the one and only is directly responsible for the lost of 6 579.98$! Eric Sprott company Sprott Inc. (SII) had lost some great deal of value. When Sprott Inc. (SII) arrived on the market. It was listed at 10$ or around per stock. I invested in 500 stocks of Sprott Inc. (SII). My investment in Sprott Inc. (SII) could have turned well if only Eric Sprott would had been intelligent enough to take good care of Jean-François Tardif when he was working for him. Last year, I earned around 80$ in special dividend of Sprott Inc. (SII). I received the special dividend of Sprott Inc. (SII) just a couple of days ago. The amount earned? 12.62$! We are very far from the amount earned back in special dividend 2009 from Sprott Inc. (SII). In 2009 like so far in 2010, Eric Sprott didn’t deliver.

For those who don’t have a clue of who Jean-François Tardif is, Jean-François Tardif had been a top hedge fund manager working for Eric Sprott. In 2009, Jean-François Tardif, in his forties, announced his retirement. At that time, little did we know about the reason why behind this early retirement. Eric Sprott is the direct responsible of the too early retirement of one of the most talented hedge fund manager. When Jean-François Tardif announced his early retirement, he was closed, from my understanding, to a burn out. He was always working, always reading financial statements, always managing, managing, managing. At a point, Jean-François Tardif asked Eric Sprott for some help: he couldn’t manage the hedge fund alone. And who could? Eric Sprott agree to provide Jean-François Tardif some assistants, but at the only condition that the assistants would also work for other managers of the house. At that time, Mr. Tardif was doing the work of 5 persons: we had declared to the Presse Affaires that he would have needed 4 to 5 assistants. But that help never come.

Feeling exhausted Jean-François Tardif preferred to call for an early retirement. Many professional in finance has to deal with those kind of situation (remember I got fired from BMO Bank of Montreal?). And also, remember Steve Martin who used to be the manager of Creststreet Alternative Energy Fund. What happen? Why Steve Martin is no longer the manager of Creststreet Alternative Energy Fund? Maybe one day we’ll know. See, we learn what happen to Jean-François Tardif at Sprott Inc. So one day, we’ll learn the true about Steve Martin and the Creststreet Alternative Energy Fund. And one day, you’ll know what happen to myself The Dividend Girl at the BMO Bank of Montreal! I am currently working on it!

Anyhow, what a huge mistake coming from Eric Sprott not to answer positively to Jean-François Tardif!

This year 2010 Sprott Inc. special dividend was a lot less because without Jean-François Tardif, Eric Sprott lost a lot of money. I hope investors had been smart enough to sell everything they hold at Sprott Inc.

On date of today, I hold more than 500 stocks of Sprott Inc. (SII). I also unfortunately hold a bit more than 5 000$ in the Sprott Canadian Equity Fund. If I sell those assets now, I am going to loose some money. But I am at a point where I seriously think about selling my stocks of Sprott Inc. (SII) and the parts I hold of Sprott Canadian Equity Fund for the simple and good reason that Eric Sprott is not a good investor. His Sprott Canadian Equity Fund is one those mess. I lost more than 2000$ in it. Why? I did very well myself with my investments in JE.UN, FTS, BNS and so on. So why can a professional do better than making me loose some money? Fact is, Eric Sprott is no longer who he used to be. Especially after the episode of Jean-François Tardif. Eric Sprott doesn’t even deserve the respect of investors.

To sell or not to sell the Creststreet Alternative Energy Fund

Things had been going great lately! Last week, I completed the forms in order to get what I had at BMO InvestorLine transfer over my current online broker account. The transfer had been done quickly and I was quite happy about it. It’s very fun now because I have everything at the same place, no more calculation needed. And it’s actually how I can say that my stocks and units investment portfolio is now at 43 578.44$... which is an increase of 19.84$ compare to March 5… Nothing to get very exciting about but still, a gain is a gain. And it’s a gain from my very own portfolio! Yeahhh!

About the Creststreet Alternative Energy Fund

And talking about my fantastic investment portfolio, since Steve Martin is no longer the manager of the Creststreet Alternative Energy Fund, I had taught about selling it. And it’s exactly what’s going to happen. If Steve Martin would still have been the manager of Creststreet Alternative Energy Fund, I wouldn’t had sold. But since he’s not… it’s a sell for me! I currently have a value of 1 159$ in the Creststreet Alternative Energy Fund. I didn’t pay any commission to TD Waterhourse to invest in the Creststreet Alternative Energy Fund. That was several months ago. But TD Waterhouse has commission when it comes to selling mutual funds you hold in your portfolio. My commission fee for selling what I have in the Creststreet Alternative Energy Fund is a bit more than 33$. If it wouldn’t be for my investment dividend goal and the fact that Steve Martin is no longer a manager at Creststreet, I wouldn’t sell.

See, we are currently at 284.40$ per month in dividend earnings. I am really looking into reaching the 300$ per month in dividend earnings. Currently, because I had been laid off of the job I had at BMO Bank of Montreal, I do not hold as much cash as I used to have before. But no worries; lay off or not, it doesn’t change anything. And guess what’s going to happen? We are going to hit the 100 000.00$ in assets in 2010 and by the end of March 2010, we are going to reach the equivalent of 300$ per month in dividend earnings. That’s being smart, isn’t?

Ok, so you might wonder what’s the plan, how the poor Dividend Girl who got fired from BMO Bank of Montreal is going to make it happen? The equivalent of 300$ per month in dividend earnings – she won’t be able to make it. But no way, it’s going to happen.

Here’s the how.

Current dividend earnings:

Sprott Inc. (SII): 507 stocks x 0.16$ = 81.12$
Bank of Nova Scotia (BNS): 105 stocks x 1.96$ = 205.80$
Methanex Corporation (MX): 103 stocks x 0.62$ = 63.86$
Fortis (FTS): 105 stocks x 1.12$ = 117.60$
Pembina Pipeline Income Fund (PIF.UN): 413 units x 1.56$ = 644.28$
Just Energy Income Fund (JE.UN): 423 stocks x 1.24$ + the 2010 special dividend =
606.72$
Yellow Pages Income Fund (YLO.UN): 433 units x 0.804$ = 348.13$
Bell Aliant Regional Communications Income Fund (BA.UN): 100 units x 2.904$ = 290.40$
Pengrowth Energy Trust (PGF.UN): 106 units x 0.84$ = 89.04$
Enbridge Income Fund (ENF.UN): 304 units x 1.152$ = 350.21$
Corby Distilleries (CDL.A): 100 stocks x 0.56$ = 56$
Davis + Henderson Income Fund (DHF.UN): 100 units x 1.836$ = 183.60$
Premium Brands Holdings Corporation (PBH):

200 stocks x 1.176$ = 235.20$
= 3 271.96$
+ let’s add 110$, supposing the DRIP system will provide an extra income of 110$
= 3 371.96$

We currently have the equivalent of 3 371.96 $ in annual dividend earning, which equal 281$ per month. We’re only missing 19$ per month to reach the 300$ in dividend passive income!

The sell of Creststreet Alternative Energy Fund should provided me around 1 100$. Nice. But which investment can we buy at 1 100$ that can provide us the equivalent of 15.60$ per month in dividend money? The answer, Derek Foster has it in his latest article that appear in the latest edition of the Canadian MoneySaver magazine.

The answer is this little marvelous that appears in the Canadian MoneySaver magazine: 200 units of the Consumers’ Waterheater Income Fund (CWI.UN). So very soon it’s going to be a “Wecome Consumers’, welcome in our investment portfolio: 200 units of the Consumers’ Waterheater Income Fund”…

The Consumers’ Waterheater Income Fund (CWI.UN) monthly dividend is at 0.054$ per month. At 200 units, we will only earn 10.80$ per month. But don’t forget the DRIP. The reinvestment of my CWI.UN dividend earn will provide us an extra at least 1 unit per month. Not that I want to be pessimistic, but CWI.UN value won’t double overnight. 200 + 12 = 212 units! And 212 units x 0.054$ = 11.34$

Nice, but 11.34$ is not the 19$ we desperately need to reach our goal. So what are we going to do? Well, for now, just pray for the Bank of Nova Scotia (BNS) to increase its dividend! And the 300$ in monthly dividend money will arrive sooner or later... or never lol.

Bank of Nova Scotia (BNS) may have refused my RSP loan request, but no matter what, the bank is doing well, with or without me as a loaner.

A TSX at more than 12 000 points... yeah and so what?

Kind of funny isn’t? It’s just that the TSX may had exceed the 12 000 points this very last Friday, but it didn’t bring much value to my investment portfolio. I just notice, I had received the dividend for Yellow Pages Income Fund (YLO.UN) (28.61$) and (PIF.UN) (53.69$). I just hope the dividend will DRIP. At this time, the money appears in cash in the account. I have to call my lovely friends of TD Waterhouse anyway because the money of my RSP didn’t get transferred into the RSP account yet.

Also, the 100$ for the RSP account haven’t been took yet, and I don’t want the fee to be take from the RSP account. Because RSP money is made for trading, not to be deducted for stupid RSP broker account fees. I say stupid because I do not accept that TD Waterhouse is making me paying a 100$ fee for a RSP account, just because I am going to have less than 25 000$ in it. I am not going to scream a I hate TD Waterhouse like I did before, but geessssss come on guys at TD! Those RSP fees are so unrespectful, stupid, awful! So terribly wrong. It’s wrong to ask fees for a RSP account. Want to know why? Because the f****** money cannot be withdraw from the account! The dividend earns inside a RSP account have to remain inside the f***** RSP account! lol! There’s no way of that sh**!

Anyhow, be and TD are in business since they gave me an RSP line of credit of 10 000$. So me and TD, it’s for life, even if their RSP fee sucks! Me and TD it’s for life. Not only because of the RSP credit line. I recently got an offer from TD Visa for a credit card balance transfer… at 4.9%! This offer available until April. I have my TD regular credit line that is almost full… And it’s at 8%. So guess what’s going to happen?

The magic world: PING-PONG!

We are going to have a ping-pong game one more time, one more time baby!

Ok, I can see your eyes rolling, your underarms getting wet… If you are not a regular reader, you’re going ask, what the hell the poor girl is taking about? Well, I am taking about a ping-pong game lol!

This is what’s going to happen on Monday morning:

I have a RBC Visa. I am going to withdraw in cash at the bank 5 000$. As soon as I have the cash, I am going to « run » to the TD closest branch, which is really next to RBC anyway, so no risk. And I am going to deposit 5 000$ on the TD credit line. After, I run back home, log in in my TD account. Complete the little form in order to get the 5 000$ from RBC Visa transfer to TD Visa at 4.9% for 6 months! This will allow me to save around 100$ in interest. After 6 months, I will simply withdraw the money from my TD credit line and place a 5 000$ on my TD Visa.

So, do you feel like playing a ping-pong game? I do.

Doing great with Premium Brands Holdings Corporation (PBH)

Just a couple of days ago, I had place my latest trade using TD Waterhouse. My latest investment was 200 stocks of Premium Brands Holdings Corporation (PBH). I purchased the stock at 14.50$. Premium Brands Holdings Corporation closed the day at 14.86$. This represents a nice profit of 72$! Just wow! I always like it when my investment goes up like this. Thanks to Jean-François Tardif, I am becoming better and better at investing!

Because we have to remember from where we are coming from. We had experiment some difficult times with investments that turn out very bad. And I am thinking of Sprott Inc. (SII). Back in the times, I had invested in 500 stocks of Sprott Inc. (SII). Each stock had been purchased at around 10$. Currently, Sprott Inc. (SII) do not even worth 5$ per stock! Outch! Bad, you thing? Well, you didn’t hear about the worst… I was stupid enough to follow Eric Sprott when Timminco (TIM) was hot on Bay St… I had invested in 200 stocks of Timminco (TIM) when stocks were at 20.33$. When the stocks price begin to fail, I haven’t been smart enough to sale. The result: the 4 065$ investment only worth today 244$. But I still have faith in Timminco and I continue to hold 200 stocks of Timminco (TIM). Sprott Inc. (SII) and Timminco (TIM) are not bad investments, it’s just my timing wasn’t right. And I got caught in the investment game and I forgot about my reading of Derek Foster. But now I am sticking to my own rule and I have to say, my portfolio is doing better than ever.

So here’s some simple investment rule I had fixed myself among the way in order to protect my assets:

-Diversify my assets. Not to invest too much in the same company.
-Follow Derek Foster strategy and borrow ideas for his portfolio. Register to a DRIP for all my dividend payers.
-Invest in Jean-François Tardif 2009 top hot stock picks (they are really still good for 2010; check what just happen to me with the Premium Brands Holdings Corporation (PBH)!!!).
-Invest in dividend Payers Company only.

Jean-François Tardif is such a powerful, extraordinary investor that his 2009 stock picks still accurate for today’s market!

In my stocks and units investment portfolio, I hold some companies that do not pay dividend. They are: Timminco (TIM), Dumont Nickel (DNI), Blue Note Mining (BNT) and Hanwei Energy Services (HE). I also lost some money in Dumont Nickel (DNI), Blue Note Mining (BNT) and Hanwei Energy Services (HE) – but not that much. And I always told myself that if those losses would become too important, that I would eventually stop investing. Those DNI, BNT and HE investment were made a while ago and I am glade I made those investments because my failures provide me a great deal of knowledge. My mistake: I wanted to make money quickly out of the stock market with those investments. But I learned my lesson: I wasn’t going to make money quickly by buying and selling stocks, but I was going to be a good imitator. By that I mean an imitator of Derek Foster and others, including Jean-François Tardif. From the point I told myself I was going to follow Derek Foster strategy and make something out of it, I became in power of my finance. Ever since, awesome things happen to me, financially speaking. My earn dividends and some of my investments gain a lot of value. But I wouldn’t be at this point if it wouldn’t be of my failures (I am saying this of course because I just LOVE my portfolio at this time, it’s not a perfect portfolio, but its all mine! All that money is mine! lol…).

In investment, failures are an expensive way to learn.

I could had taken the money and leave it in a bank account. But my life would have been much more boring. And I wouldn’t be here writing on my blog…

I had been a great Derek Foster imitator over the past months. I never lost money by following Derek Foster tips. Never did I loose money in one of Derek Foster investment. And we are taking here of Bank of Nova Scotia (BNS), Pembina Pipeline Income Fund (PIF.UN), Pengrowth Energy Trust (PGF.UN), Enbridge Income Fund (ENF.UN) and Corby Distilleries Limited (CDL.A).

And believe it or not, Just Energy Income Fund (JE.UN) was one of my very own pick, as well as Fortis (FTS), Yellow Pages Income Fund (YLO.UN), Bell Aliant Regional Communications Income Fund (BA.UN) and Davis + Henderson Income Fund (DHF.UN). I am very proud of my Just Energy Income Fund units.

One of my fellow reader told me that Derek Foster had been published several updates of his portfolio in the Canadian MoneySaver magazine. It’s seemed like Derek Foster published update of his portfolio every 3 months or so in the Canadian MoneySaver – and I didn’t even know about it! But now I know and I am letting everyone know: Derek Foster writes for the Canadian MoneySaver magazine. The Canadian MoneySaver magazine had been around since 1981 and its own by Dale Ennis and Betty Ennis. Nice to see Derek Foster being published.

Derek Foster had an article in the latest edition of the Canadian MoneySaver. In the article, Derek mentions PM as a company he holds. I won’t mention more of more because you will have of course to buy and read the magazine – but I did a fantastic discovery. I was searching for PM but on the Canadian market, while Derek holds the PM company, but the one located in the state. But the PM company list under the TSX is quite interesting, but the stock is not being hold by Derek Foster – but I will certainly later own some PM stocks.

So what’s that PM and what’s so great about it?

Well, PM stands for Prism Medical Ltd. The company is located in Ontario and had activities in the US and the UK. So here’s what Prism Medical Ltd. is all about: “Prism Medical Ltd. is a provider of durable medical equipment and related services to the mobility disadvantaged in Canada, the USA and the United Kingdom (UK). Operating since 1996, Prism services the mobility disadvantaged wherever they reside – the home, long-term care facilities or acute care facilities.” (Source: prismmedicalltd.com/About/Default.aspx). This sector of health is in high demands. You just have to think about the baby boomers generation who eventually will need medical equipment and so on… The company had been around for more than 10 years – so it’s a solid company, I don’t think they will close by tomorrow... Also, Prism Medical Ltd. pay dividend. A little dividend, but still, Prism Medical Ltd. (PM) pays a dividend. And remember the rule: we only invest in dividend payers companies. And Prism pays a dividend: 30 cents per stock annually. Also, Prism stocks are cheap: 6.95$. The company offers an international exposure to health care. The company made 65$ million in 2009. Do you need more blabla? Yep, I am telling you, that Prism Medical Ltd. is a good investment. I would like to invest in the company. And this will be done soon…

Today, I went to TD Waterhouse to open my RSP account. The account is now open. I am just waiting for the 10 500$ to be transfer over! And of course, we are going to invest in stocks! Yeah! And it’s going to be a happy mix of Derek Foster and Jean-François Tardif hottest picks… Hottest picks for the hottest investors’ lol.

So here’s what my 10 500$ RSP investments might look like:


-200 units of Just Energy Income Fund (JE.UN):
200 units: 2 832$ (approximate investment value): 288$ in annual dividend earnings

-400 units of Consumers’ Waterheater Income Fund (CWI.UN):
400 units: 2 072$ (approximate investment value): 259.20$ in annual dividend earnings

-100 units of Morneau Sobeco Income Fund (MSI.UN):
100 units: 1 056$ (approximate investment value): 94.50$ in annual dividend earnings

-200 units of Liquor Stores Income Fund (LIQ.UN):
200 units: 3 234$ (approximate investment value): 324$ in annual dividend earnings

-187 stocks of Prism Medical Ltd. (PM)
187 stocks: 1 306$ (approximate investment value): 56.10$ in annual dividend earnings

Total in dividend earnings: 1 021.80$

My investment RSP loan was 10 000$ at 4.75%, which represent, for a year, 475$ in interest. My dividend earnings help to cover the cost of the loan. BUT the dividend earns inside the RSP has to remain inside the RSP, it cannot go out. Too bad, because I could had partly made my minimum payment for the loan on the money earn by the dividend! My RSP loan payment is of 105.63$ per month.

At this time, I am just exposing a few ideas for my RSP. The default of the scheme is that there’s too much of .UN investment. Just love them too much. But they provide a very generous dividend. AWESOME to see a 1 021.80$ in dividend earnings from those.

I see the world in Yellow

I done fantastically well with my investment in Yellow Pages Income Fund (YLO.UN). I am the proud owner of 429 units of Yellow Pages Income Fund. Currently, my investment in YLO.UN worth 2 638.35$. At this time, its represent a profit of 413.88$! My initial investment (including DRIP) was of 2 224.47$.

My investment in Yellow Pages had been made at the right time. I had the perfect timing. In the past, YLO.UN worth much more than 6$ per unit. That being before the stock crash of 2008. If I would have invested in Yellow Pages Income Fund (YLO.UN) at that time, I wouldn’t be able to make a profit from the investment. But because I invested in Yellow Pages Income Fund just a couple of months ago, I had been able to make a nice profit from my acquisition. 413.88$ could sound like being nothing much, but a 413.88$ is definitely something huge for a small investor like myself. I am quite happy to be able to experiment such positive gains in my investment portfolio.

My stock invesment portfolio is now at 81 709.55$

Our stock investment portfolio had increased of 1 224.78$ compare to February 26, 2010 (which was of 80 484.77$). We are currently at 81 709.55$! Reaching 100 000$ in assets is the ultimate goal of course, and so far so good!

81 709.55$ is our highest ever!

So have a nice week-end!

My stock investment portfolio in date of February 26, 2010

Savings:
2.69$ (ING Direct)

Non RSP Investments:
Stocks & Units investment portfolio
Sprott Inc. (SII): 2 176.55$
Timminco (TIM): 254$
Blue Note Mining (BNT): 52$
Bank of Nova Scotia (BNS): 5 019$
Hanwei Energy Services (HE): 126$
Methanex Corporation (MX): 2 565.73$
Fortis (FTS): 2 836.08$
Pembina Pipeline Income Fund (PIF.UN): 7 454.65$
Just Energy Income Fund (JE.UN): 5 871.24$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 509.65$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 535$
Pengrowth Energy Trust (PGF.UN): 1 166$
Enbridge Income Fund (ENF.UN): 3 842.56$
Corby Distilleries Limited (CDL.A): 1 511$
Davis + Henderson Income Fund (DHF.UN): 1 699$
Premium Brands Holdings Corporation (PBH): 2 910$

TOTAL: 42 988.46$

Tax-free savings account:
RBC O'Shaughnessy Canadian Equity Fund:
2 612.43$
Creststreet Alternative Energy Fund: 1 166.53$
Sprott Canadian Equity Fund: 4 911.07$

TOTAL: 8 690.03$

RSP:
CIBC Dividend Growth Fund: 486.11$
CIBC Emerging Markets Index Fund: 432.11$
CIBC Monthly Income Fund: 955.33$

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

GIC National Bank: 1 154.83$
GIC Finance Plus: 1 513.97$
GIC Plus: 500$

TD Canadian Bond: 111.95$
TD Monthly Income: 98.49$
TD Emerging Markets: 76.97$
TD Energy: 79.70$
TD Precious Metals: 101.51$
TD Latin American Growth: 91.32$
TD Entertainment & Communications: 100.97$
TD Dividend Growth: 189.88$
TD U.S. Mid-Cap Growth: 96.58$

TD RSP account: 10 500$

Maritime Life International Equity Fund (Templeton):
626.29$
Manulife Simplicity Growth Portfolio: 845$
Maritime Life CI Harbour Seg Fund: 979.28$
Maritime Life Fidelity True North Seg Fund: 939.12$
Maritime Life Trimark Europlus Seg Fund: 592.39$

Great West - Various: 1 577.81$

RBC Canadian Dividend Fund: 488.57$
RBC U.S. Mid-Cap Equity Fund C$: 1 748.63$
RBC Global Resources Fund: 842.96$
RBC O'Shaughnessy International Equity Fund:
576.85$
RBC O'Shaughnessy All-Canadian Equity
Fund: 980.66$

GIC Canadian Market: 1 000$

TOTAL: 28 692.80$

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

Savings + Stocks, units, mutual funds + Tax-free savings account + RRSP + Online Income (70.79$):
80 484.77$
[In date of February 26, 2010]