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I know some had waited for this moment for a very long time now....

But I decided it was about time to make my coming out...

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Jean-François Tardif is FINALLY back in the game! Part 2

IT’S BEEN 3 LONG YEARSSSSSSSSSS. But hey, we’ll say that it had worth waiting later on when we’ll be cashing the big bucks on the back of Jean-François Tardif!!! 

LOL

Some people wrote in the previous post comment that my idea of investing in the JFT Strategies Fund is silly... as usual, I am being stupid blablaba... Well, guess what, my little bunch of HATERS. During his years spent at Sprott Asset Management, in 2008-2009, in the middle of the biggest financial mess, Jean-François Tardif brought the Sprott Opportunities Hedge Fund L.P. to the hedge. 

Ok, this is confusing...

On the First Asset Investment Management Inc. Web site, the JFT Strategies Fund is being introduced as a hedge fund, but it’s not the case. I just finish my call with TD Waterhouse. The JFT Strategies Fund is a Trust Unit, and not a hedge fund. The TD rep could see the JFT Strategies Fund in his system, but he couldn’t tell me more about the minimum amount required to participate at this initial public offering.

I had tried to push the investigation and called First Asset Investment Management Inc., but the beautiful male voice hangs up on me... So nothing much more now regarding the JFT Strategies Fund. Maybe sometime next week. 

While waiting, check on those beautiful flowers.... SPRING is here :)

Jean-François Tardif is FINALLY back in the game!

Yeah, yeah, you are reading right.  

This is so exciting! The Globe and Mail reported that THE Jean-François Tardif has been hired by First Asset Investment Management Inc. to manage a new hedge fund, the JFT Strategies Fund. Of course, JFT stands for Jean-François Tardif. 

I find it just strange that he’s not managing his fund under his own company, Timelo Investment Management Inc. but hey, what the heck. JEAN-FRANÇOIS IS BACK. The JFT Strategies Fund has filed for a public offering. The units are set at 10$ each – really reasonable. However, there’s no mention of the amount of the minimum investment amount. However, at a price per unit of 10$, we can easily imagine that the minimum required will be quite low. If, like me, you are with TD Waterhouse, YOU ARE IN THE GAME. Want to take part in the initial public offering, JUST LIKE ME? LOL... 

Don't worry, you can with CIBC, National Bank Financial Inc., RBC Capital Markets, TD Securities Inc., Scotia Capital Inc., Canaccord Genuity Corp., GMP Securities L.P., Raymond James Ltd., Desjardins Securities Inc., Dundee Securities Ltd. and Macquarie Private Wealth Inc. 

WOW WOW WOW. 

This is the ultimate chance to make a great deal of money on the back of a man that I consider of confidence. Great news isn’t? But what is the minimum investment required to participate in the initial public offering of JFT Strategies Fund? If you are with TD Waterhouse, JUST LIKE ME, you have to call the 1-800-461-3863 between 8 AM and 5 PM to find out. I am going to call tomorrow. 

SO STAY TUNE OK.

What's up baby

My TSX went down of more than 100 points today... My non-registered portfolio is currently at 124 274.34$. Not too bad. I would like to see things get more stable. The stock market is not about to lose its extreme volatility anytime some. So far for 2012, my dividend income is exceeding the 1 700$.

I had set up my banking account for my home business. I got one assignment so far. I done for about 300$ of work last week, but I work like crazy. I should receive more certainly by the end of the week. While waiting, I try to do all of those little things that need to be done, but it’s not easy. I have to come with some Web site content in both French and English, I need to have the English content be proofread – because you know, me and English is like firework... I need to search for new customers... I also need to apply for my tax number.

I had previous experience as a freelancer. Being a freelancer is not easy. While being in Montreal, I had an evening job from 4 to midnight in a call center. I had the whole day to work on my stuff or seek for contracts. I also had a survey job during the weekend. I was doing a nice living, I had no money problem, I was doing more than what needed for my living, it allowed me to invest for my portfolio, etc. The whole situation was certainly chaotic with all that work-work-work, but I didn’t mind. I had no money problem. And I was living in the beautiful Mont-Royal, not far away from the Lafontaine Park and all other beauties of the Plateau.

However, I didn’t like the in-deep Quebec, its politic, the non-access to health care and the high income taxes, among other.

But my whole existence took a different path when I moved back to New Brunswick in September 2011. I was promised a full-time permanent position. However, I had been laid off beginning of March 2012. The reason? Lack of financial resources. What the heck.

I was lucky to meet my local New Brunswick MLT. The MLT was extra nice to me. I was able to go through the whole work situation and the circumstances of my laid off. And the MLT opinion was about the same as for the lawyers that I spoke too so far. I was happily surprised because at first, i wasn’t expecting much from a politician LOL (Laid off or not, there’s thing that will NEVER EVER change OK).

Next step for me is to email to my local Federal Deputy. I hope for a meeting as well. So yeah, the Dividend Girl is talking to a bunch of politicians. But why am I doing so?

Why? Because my workplace had received thousands and thousands of dollars from the government, the federal one especially. Close to or more than 1 million bucks. My taught is: EVERYONE in position of authority need to know. And trust me, everyone will know when I will be done with this. As you can imagine, it’s taking a lot of my time. But now that I am laid off, I don’t have anything better to do: complaint and blog, do business, check out on my portfolio. DO BUSINESS LOL.

Problem being, money had been spend around without any respect. Salaries had been raised when they shouldn’t, and money had been invested in piece of software when they shouldn’t. A bad management is the reason of all this. And when I will be done, their ignorance will just explode on their F face! YOUYOU. You'll regret the day you were born! :)

Myself, with my business, I could spend thousands and thousands on all kind of software and other. But I start slowly. I can use free online resources BEFORE spending money. I plan to only invest if I can, and only on money I would have made on the famous business. At my current 300$, I had have enough to cover one software I bought at 120$. I have enough for my domain address and also to cover the cost of the English proofreading Web site content, and also to buy a nice template... the rest is peanuts, but enough to pay some coffees. I don’t like to be working from home, in my tiny bedroom like ALL DAY LONG.   

That’s pretty much what’s going on right now.

I run around for jobs. But I am not expecting anything. Some parts of New Brunswick are a dead zone. It’s the most area to be living in while facing a laid off. Because there’s no job and a lot of corruption. It’s a game of power and corruption, basically. And no one is really paying the price of that, if not the victims themselves.

The overall scheme is not too bad. I need 400$-500$ or 600$ for my basic living expenses. On top of that, the minimum payment on my debt is about 300$. With my dividend income + online earnings + freelance contracts, I can make a holly bunch of money, it’s just a matter of getting the thing started.

HELLO MONEY.

Am I idiot enough to become rich?

My non-registered portfolio closed today session at 124 223.21$. From my impression, it seem like the market is on its way for a situation a bit more stable than what we had used for the past couple of months. While being under that impression, I decided to withdraw 2k from my margin account and apply the money on my 10k value credit line at 7.52%. I apply on it 1k coming from my own money, for a total of 3k. The balance left on my credit line is now about only 2k. In 2-3 months, I will be able to pay it all.

I got that 10k credit line (7.52%) at the RBC Royal Bank a couple of years ago. Since the opening, the interest rate never changed, it’s always been 7.52%. But that’s soon going to change.

This week, I received a letter from RBC Royal Bank saying that starting May 1th, 2012, my interest rate will be increase from 7.52% to 10.52%, which represent an increase of 3%! Knowing the economic situation we are in right now, I was very surprise about this increase. How it work with credit interest rate generally speaking, the interest increase when the prime rate increase.

When the economic situation is chaotic, interest rate remains low. So I knew for sure that there was no change regarding the prime rate. So what I did, I gave a call to RBC Royal Bank. I asked the representative why I was facing an increase on my interest rate.

First of all, my account is in good standard. I never missed one single payment on my credit line and my whole RBC account is in good standard.

I confirm with the RBC representative: the prime rate didn’t change.

So why RBC Royal Bank is increasing my credit line from 7.52% to 10.52%?

There’s no reason why, basically, behind this increase.

RBC just wants to make more money on my back, that’s really all. But that’s not going to happen. I will be able to completely pay off my credit line before the month of May.

I wasn’t happy and I requested no change on my credit line. In order to do so, to keep my old 7.52%, the only solution for the representative was to perform a credit evaluation. I refuse and asked to speak to a supervisor. The supervisor took my complaint, but he couldn’t do much. I had to go under a credit evaluation to keep something that I had been giving to be a while ago.

I find that system very stupid. I refuse to go through a credit evaluation to keep my 7.52%. I won’t be doing more business with RBC Royal Bank NEVER EVER AGAIN. My account ALWAYS been in good standard at the RBC. There’s no reason why I should go another credit evaluation. People at the RBC Royal Bank are a bunch of little jerks. That vice-president Goyers is a piece a s**t.

I had placed my complaint to RBC on March 20.

March 20, 2012 is a date to be remembered. Not because of the complaint I place with RBC Royal Bank, but because it’s on that date that I became a small business owner! That’s right... Like the Rebecca MacDonald and the Ronnie Seterdahl Negus that we found out there, I am now.., a woman entrepreneur, but without the millions and the men ;)

I cannot use my regular banking account for my “business” lol because I have a business name you see. So basically, RBC Royal Bank wasn’t interested in resolving my problem so consequences, I didn’t open my commercial banking account with them. Instead, I call the Caisse populaire. It’s much more affordable. I can have an account per operation to start with, which mean no business, no banking fee. I have my business name, my business registration number (NE). On Monday, I will get the banking account and following what, I will fill out the form to receive my tax number.

And oh surprise, I already find work. Nothing substantial, but it’s a good start. I prefer to work at a lower salary than not working at all. And it’s giving me an experience and it keeps me busy. I cannot say I already have a lot of experience in what I am doing... I prefer to just accept whatever presents to me. And this one was an easy one... I like it when it's easy. :)

You won’t see me spending hundreds or even thousands in publicity or marketing, that’s for sure. But it’s not what the CBDC would like to see me doing. I went to my local CBDC. They have a program for self-employed to start a business while received unemployment. They can provide as much as 50 weeks on unemployment.

Let say I am being approve to received 40 weeks of unemployment, the program will give me 10 extra weeks. However, for the extra weeks, the CBDC only give away 250$, which I find very cheap. And on top of that, the CBDC request a credit check – and that being just to received a 250$ for a few weeks!!! This must be a joke right? No, it's not, sadly. I don't like to be treated like a stupid hot chick.

Nothing much is being done in New Brunswick to help youth. Bernard Valcourt is A FOOL and he’s a one eye man. Harper government S**K LIKE HELL. The Atlantic Canada Opportunities Agency? WHO GIVE A DAMN. I will do without. F U Stephen Haper government!

Like always, I will go the Dividend Girl way style and just like always, it will be JUST FINE. I have the HELL of a good investment portfolio.What I have done to be such of a good investor?

ahaha

I don’t plan to stay in New Brunswick for very long. The CBDC can also provide a loan, but just to present a request for a loan, I need to pay 75$! **AND THE DATING SCENE IS HORRIBLE IN NB!**

Applying for a loan at the bank is FREE. Why CBDCs are requesting a fee for a simple loan request? That's really stupid.

Why? BECAUSE IT’S ALL ABOUT MONEY and only a bunch of super retarded people work at the CBDC, a real bunch of dummies.

And the loan by itself is really not interesting. The max available is 20k. There’s no interest charge on the first year, BUT, a payment of 100$ per month is requested... IT DOESN’T MAKE ANY SENSE. Interest charge begins on the second year. The interest rate is quite high, close to 7%. It doesn’t worth it to get involve with CBDC credit check, fees and stuff. I would have proceed with a request if the loan rate would have been of something like 5%. Higher than that, no thank you, I am not interested.

I am not receiving any kind of help and I don’t need any. I don’t even have a place to print my résumé for free. The Conservative New Brunswick government may think they are doing a great job, but they really not. No support, no service, no public transportation (Acadian Line bus transportation service had been on strike forever now....). I mean come on! New Brunswick Conservative government is hurting the citizens really badly. People of the CBDC, people of the government are just SITTING ON THEIR A*S, doing nothing at all. CBDCs should be completely eliminated. There’s no true services, no true willingness to help and to assist.

I am waiting until the end of April and after what I get the HELL out of here. Why I am not leaving now? Well, I plan to fill a small claim against my employer. I had been laid off because of their financial difficulties. Can you tell me why I was hiring back in September if you had financial difficulties? Like COME ON. My case is so good, I had spoke with several lawyers and I could get 15k, if not get up to 30k in compensation, but certainly a 15k. AND I WILL FIGHT UNTIL THE END and get my big bucks. I cannot wait for Monday to come. Just watch me going.

I am not running after trouble, it’s just that trouble LOVE me. KIND OF A LOT.

Between my portfolio management, small claim procedure, small business opening, and me working on the Web well, in the between, yeah, I had been busy. And oh, I sometime drink.

And here Derek Foster coming on today with a newsletter title: Any idiot can be rich! Ah yeah? Are you sure, Derek Foster?

:)

I wish I am idiot enough to be rich. I WISH. $$$

Maybe I am after all. What do you think? 

I am idiot, but I am not idiot enough to stay in New Brunswick.

TOO SMART FOR MY MONEY, TOO SMART FOR RBC, TOO SMART FOR CBDC AND TOO SMART FOR MY LATE EMPLOYER.

Happy $$$ weekend. 

New investments for my non-registered portfolio

My non-registered portfolio seems to have close the day at a very good 126 050.70$.

Now that I am freshly laid off, I spend my days sleeping in late, going to bed late, and sometime drinking wine and beer in the between. Being laid off is really not bad at all.

Other than drinking, I did apply for some jobs online. I found a couple of offers that could be of an interest. I also wrote some articles on HubPages, but nothing really consistent. With spring coming ahead, I would like to visit my bro in Ottawa and check on if I can find anything there. I would like to see the Ottawa tulips more than actually getting a job there, actually.

Right now, my biggest challenge and what I have to be more alert on is setting up a working schedule to become more efficient. And I also have to exercise, which I haven’t done quite often these last couple days.

I have been checking on my stocks too. Everything is pretty much under control. Some readers around here said to pay off my debt and to invest only once the stock market will crash. To that, I would be surprise to face a stock market correction. My taught is that the stock market already been corrected ENOUGH. Investing in US stocks is a good idea, but with my margin account situation, it would be too risky to have my non-registered portfolio split between my Canadian and US account. It’s unfortunate, but my margin account makes it almost impossible for me to invest more in US dollars. That situation doesn’t bother me at all. I am happy to have a strong margin account so I can pay off my 10k credit line at 7.52%. I made a deposit of 1k last week. If I make another 1k deposit on the credit line. If I proceed with another 1k deposit, I will be down to 4k left to pay.

I found a couple cool stocks I could eventually invest it:

Brookfield Real Estate Services Inc. (BRE)

iShares U.S. High Yield Bond Index Fund (CAD-Hedged) (XHY)

Bell Aliant Inc. (BA)

AltaGAs Ltd. (ALA)

RioCan Real Estate Investment Trust (REI.UN

I found ALA and REI.UN on Susan Brunner blog. As for BRE, I don’t remember if it’s from Susan blog, but I knew that one before. I also had BA in my portfolio a little way back, it could make a return in my portfolio, eventually.

iShares U.S. High Yield Bond Index Fund (CAD-Hedged) (XHY) is a stable stock offering a great dividend yield at the same. I like it.

Nothing much other than that if its not that even while not working, my portfolio grow, grow and grow.

Investment portfolio restructuration is on its way

At this time, I really like what I have as portfolio, but with a few exceptions. The Maple Group acquisition of TMX Group (X) will probably go through, maybe not by the end of March, but still, it seems to be on its way. When the deal finally closed and completed, I will earn some big bucks. In case of such eventuality, I need to prepare and find some quality stocks to invest in and that’s really not easy. I need a quality stock that will both support my margin account situation and my dividend income. The task is certainly difficult, but not impossible.

Among all of the investments I hold, I would like to be able to sell at profit Kinross Gold Corp (K), First Majestic Silver Corp (FR), Sprott Physical Silver Trust ET (PSLV) and Sprott Physical Silver Trust UTS (PHS.U). A little way back, I had been able to reduce my position in Rogers Sugar Inc. (RSI) and Colabor Group Inc. (GCL). I would like to the same thing, but in better. Currently, stuff like K, FR, PSLV and PHS.U are not paying any dividend. What I would like to do is to sell at profit those investments and reinvest in some high quality dividend stocks. To do so, I need to: sell at profit K, FR, PSLV and PHS.U and than reinvested. And after what, the only problem being that I have to find those quality stocks and I am not in a rush to sell K, FR, PSLV and PHS.U, but it’s eventually something I would like to care of. And I am not in any rush at all to restructure my portfolio in order to increase my dividend income. And there’re many reasons for that.

Before selling any stocks and reinvested in any other things, I have think, primo, of reinvested in stocks that will have the same loan value – same of very close of being similar. And it’s not exactly an easy thing.

Making a living on dividend distribution: is the dream possible, like right now?

I had been quiet lately for several reasons. I had been laid off. And no, I won’t tell you more! I am looking forward at my options. I qualify for unemployment, so I will be applying for that soon. Where I am in New Brunswick, there are not too many jobs available in this desert of snow, I am in a little town and just to make things worst, Acadian Lines, the Maritime public transportation public, is on strike. This is helping a lot!

We’ll move on for now but I am really not stress. Want to know why? Ok, we’ll begin by checking over my budget and my monthly needs:

Minimum of the minimum living expenses:
Rent + Internet + other: 400$

DEBT:
Student Loan: 98$
RRSP Loan: 108$
Credit line: 50$
Credit card balance transfer: 30$
American Express at 0.99% for a year: 27$
Banking fees: 5.90$

Minimum debt payment total: 318.90$

TOTAL: 718.90$

The amount of 718.90$ over the minimum of the minimum, without car expenses, without any extra money to shop, no entertainment. But hey, I am the entertainment, right?

At this point, we know how much I have in debt, we know my net worth (84k), we know the value of my investment portfolio. But what about my dividend income? Can I support my minimum monthly expenses by relying on my dividend distribution?

Let’s check it out, without including any possible special dividend:

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 123.24$
Bank of Nova Scotia (BNS): 226.72$
Methanex Corporation (MX): 70.04$
Fortis Inc. (FTS): 129.60$
Pembina Pipeline Corporation (PPL): 714.48$
Just Energy Group Inc. (JE): 860.56$
Pengrowth Energy Corporation (PGF): 190.68$
Enbridge Income Fund Holdings Inc. (ENF): 416.64$
Corby Distilleries Limited (CDL.A): 68.40$
Davis + Henderson Corporation (DH): 264.12$
Premium Brands Holdings Corporation (PBH): 514.48$
EnCana Corporation (ECA): 164.80$
iShares S&P/TSX Capped REIT Index (XRE): 113.96$
Horizons Gold Yield Fund (HGY.UN): 192.70$
Canfor Pulp Products Inc. (CFX): 108$
New Flyer Industries Inc. (NFI): 179.71$
Exchange Income Corporation (EIF): 511.92$
Rogers Sugar Inc. (RSI): 31.96$
Student Transportation (STB): 117.02$
Colabor Group Inc. (GCL): 107.60$
TMX Group Inc. (X): 163.20$
Data Group Inc. (DGI): 443.88$
K-Bro Linen Inc. (KBL): 110.40$
Westshore Terminals Invest Corp (WTE.UN): 210.89$
WesternOne Equity Income Fund (WEQ.UN): 228$
Atlantic Power Corp (ATP): 267.26$
Kinross Gold Corp (K): 24$
TransCanada Corp (TRP): 44$
Canadian National Railway Co (CNR): 45$
Firm Capital Mortgage Investment Corporation (FC): 37.44$
Sprott Strategic Fixed Income Fund (SFI.UN): 30$
Enbridge Inc. (ENB): 31.696$
Agrium Inc. (AGU): 6.30$
Canadian Utilities Limited (CU): 37.21$
Veresen Inc. (VSN): 65.736$
Crescent Point Energy Corp. (CPG): 60.72$
Chorus Aviation Inc. (CHR.B): 90$

TOTAL: 7 007.76$
583.98$/month

I am missing less than 200$ per month before being able to “live” from my dividend income. I am in position to reinvest so I can increase my dividend income. And I could do so without too much trouble, without risking my margin account situation.

By the end of March, we should know if the Maple Group deal goes through. If it work out, each and single of my TMX Group Inc. (X) stocks will give me 50$ in cold cash. Once the transaction completed and the cash received, I could reinvest in a quality dividend stock.

Also, I hold close to 4k in First Majestic Silver Corp (FR). Fr is a good stock, but it doesn’t pay any dividend. Once I can make a little profit out of it, I will be selling FR and reinvested in a dividend stock.

What I hold in my TFSA and in my US account could be review. Just there, I could easily increase my dividend income.

However, there’s a catch. I should not reinvest in stocks that offer a super high dividend yield. I need to invest in a quality stock offering something like 7% in dividend yield. I should not consider investing in a stock offering like 10% and up in dividend yield. See what I mean? I need to keep a balance and what I will be investing next need to be of quality and the dividend yield need to be reliable and reasonable. And that can be tricky! I may check out Susan Brunner blog to search for quality stuff. I need to do my search. But for now, no rush, no need to sell overnight. I know how to deal with those kinds of things. I am a real New Brunswicker if you see what mean. So stay tune.

By the way, go check my Twitter account: Jully Black herself has read the Dividend Girl! (check out my Twitter account on the right column). After Raymi the Minx, now it’s Jully Black.

I am laid off, but I am a... superstar.

Or kind of. lol :)))))

My investment portfolio value on date of March 13, 2012

Savings: 543.08$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 6 378$
Timminco (TIM): 1$
Blue Note Mining (BNT): 20$
Bank of Nova Scotia (BNS): 5 897$
Hanwei Energy Services (HE): 30$
Methanex Corporation (MX): 3 322$
Fortis Inc. (FTS): 3 582$
Pembina Pipeline Corporation (PPL): 12 870$
Just Energy Group Inc. (JE): 9 318$
Pengrowth Energy Corporation (PGF): 2 222$
Enbridge Income Fund Holdings Inc. (ENF): 7 577$
Corby Distilleries Limited (CDL.A): 1 813$
Davis + Henderson Corporation (DH): 3 945$
Premium Brands Holdings Corporation (PBH): 7 517$
EnCana Corporation (ECA): 4 054$
iShares S&P/TSX Capped REIT Index (XRE): 2 524$
Horizons Gold Yield Fund (HGY): 1 988$
Canfor Pulp Products Inc. (CFX): 1 485$
New Flyer Industries Inc. (NFI): 1 654$
Exchange Income Corporation (EIF): 7 786$
Rogers Sugar Inc. (RSI): 530$
Student Transportation (STB): 1 448$
Colabor Group Inc. (GCL): 1 120$
TMX Group Inc. (X): 4 412$
Data Group Inc. (DGI): 3 692$
K-Bro Linen Inc. (KBL): 2 192$
Westshore Terminals Invest Corp (WTE.UN): 4 931$
WesternOne Equity Income Fund (WEQ.UN): 2 797$
Atlantic Power Corp (ATP): 3 297$
First Majestic Silver Corp (FR): 3 638$
Kinross Gold Corp (K): 1 560$
TransCanada Corp (TRP): 1 112$
Canadian National Railway Co (CNR): 2 329$
Firm Capital Mortgage Investment Corporation (FC): 538$
Sprott Strategic Fixed Income Fund (SFI.UN): 462$
Enbridge Inc. (ENB): 1 085$
Agrium Inc. (AGU): 2 141$
Canadian Utilities Limited (CU): 1 400$
Veresen Inc. (VSN): 1 011$
CHR.B: 531$

TOTAL: 125 213$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 214$
Cash: 4.12$

TOTAL: 2 218.12$

Tax-free savings account (TFSA)
EnerCare Inc. (ECI): 30$
Dumont Nickel Inc. (DNI): 1 898$
Sprott Physical Silver Trust UTS (PHS.U): 2 849$
Cash: 3.90$

TOTAL: 4 780.90$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 094$
Claymore Gold Bullion ETF (CGL): 5 046$
EnCana Corporation (ECA): 1 988$
Emera Incorporated (EMA): 7 508$
Sprott Physical Silver Trust UTS (PHS.U): 950$
Cash: 145.62$

CIBC Dividend Growth Fund: 564.99$
CIBC Emerging Markets Index Fund: 465.76$
CIBC Monthly Income Fund: 1 085.52$

Energy and Base Metals Term Savings (Indexed term savings): 577.30$
Natural Resources Term Savings (Indexed term savings): 502.06$

GIC National Bank: 1 242.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 622.35$
Manulife Simplicity Growth Portfolio: 902.11$
Maritime Life CI Harbour Seg Fund: 1 076.47$
Maritime Life Fidelity True North Seg Fund: 1 010.72$
Manulife GIF MLIA B World Invest: 646.42$

Great-West – various: 1 957,04$
Various other mutual funds: 675$

RBC Canadian Dividend Fund: 568.39$
RBC U.S. Mid-Cap Equity Fund C$: 2 133.67$
RBC Global Resources Fund: 1 080.49$
RBC O'Shaughnessy International Equity Fund: 589.13$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 216.63$
RBC Global Precious Metals Fund: 833.04$

TOTAL: 39 981.41$

Social Capital at Desjardins Membership share: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(58.58$):
172 835.09$

My deb situation on date of March 13, 2012

8 232.30$ at a low interest rate of 4.75% (RRSP credit line rates) = 391.03$ in annual interest

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

7 735.29$ on a credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = 224.32$ in annual interest

6 924.05$ at low interest rate loan at 5.50% (student loan) = 380.82$ in annual interest

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

6 296.88$ at 7.52% (credit line rates) = 473.53$ in annual interest

54 331.42$ at a low interest rates of 4.25% (margin money coming from my broker account): =
2 309.09$ in annual interest

935.41$ at 0.99% for a year (with American Express) = 9.26$ 

TOTAL: 89 354.85$

TOTAL in annual interest: 3 984.05$
[In date of March 13, 2012]