My debt situation on date of February 16, 2011

9 366.58$ at a low interest rate of 4.75% (RRSP credit line rates) = 444.91$ in annual interest

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

7 925.83$ on a TD Canada Trust credit card at a low interest rate of 4.9% ending in April 2011 (result of a credit card balance transfer)
= 388.37$ in annual interest

7 766.03$ at low interest rate loan at 5.50% (student loan) = 427.13$ in annual interest

9 760$ at 7.27% (credit line rates) = 709.55$ in annual interest

29 270.24$ at a low interest rates of 4.25% (margin money coming from TD Water house): =
1 243.99$ in annual interest

TOTAL: 68 988.68$

TOTAL in annual interest: 3 409.95$
[In date of February 16, 2011]

My investment portfolio on date of February 16, 2011

Savings:
943.12$

Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 4 615$
Timminco (TIM): 102$
Blue Note Mining (BNT): 46$
Bank of Nova Scotia (BNS): 6 442.47$
Hanwei Energy Services (HE): 142$
Methanex Corporation (MX): 2 914.90$
Fortis (FTS): 3 562.03$
Pembina Pipeline Corporation (PPL):
9 609.15$
Just Energy Group Inc. (JE): 9 198$
Yellow Media Inc. (YLO): 2 731.20$
Bell Aliant Inc. (BA): 5 411.98$
Pengrowth Energy Corporation (PGF): 2 617.22$
Enbridge Income Fund Holdings Inc. (ENF): 5 922.45$
Corby Distilleries Limited (CDL.A): 3 599.64$
Davis + Henderson Corporation (DH):
4 246.04$
Premium Brands Holdings Corporation (PBH):
3 348.80$
EnCana Corporation (ECA): 6 134.52$
Sprott Physical Silver Trust UTS (PHS.U): 4 062$
iShares S&P/TSX Capped REIT Index (XRE): 2 206.82$
Horizons Gold Yield Fund (HGY.UN): 1 934$
Canfor Pulp Products Inc. (CFX): 1 659$
New Flyer Industries Inc. (NFI.UN): 2 380$
Superior Plus Corp. (SPB): 2 470$
Capital Power Income L.P. (CPA.UN): 1 958$
Exchange Income Corporation (EIF): 1 963$
Rogers Sugar Inc. (RSI): 1 683$
Student Transportation (STB): 1 384$
Colabor Group Inc. (GCL): 2 412$
TMX Group Inc. (X): 4 060$
Data Group Income Fund (DGI.UN): 3 990$
TD Toronto Dominion (TD): 2 011.75$
Cash: 299.05$

TOTAL: 105 116.02$

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 3 124.40$
Dumont Nickel Inc. (DNI): 488.75$
Cash: 7.79$

TOTAL: 3 620.94$

RSP investment portfolio:
Sprott Canadian Equity Fund: 7 678.50$
Claymore Gold Bullion ETF (CGL): 4 177.68$
EnCana Corporation (ECA): 3 052$
Emera Incorporated (EMA): 6 684.70$
Cash: 87.06$

CIBC Dividend Growth Fund: 585.68$
CIBC Emerging Markets Index Fund: 408.29$
CIBC Monthly Income Fund: 1 112.73$

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

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

TD Canadian Bond: 117.29$
TD Monthly Income: 115$
TD Emerging Markets: 85.31$
TD Energy: 102.73$
TD Precious Metals: 148.60$
TD Latin American Growth: 101.28$
TD Entertainment and Communications: 131.22$
TD Dividend Growth: 220.66$
TD U.S. Mid-Cap Growth: 125.49$

Maritime Life International Equity Fund
(Templeton): 680.75$
Manulife Simplicity Growth Portfolio: 948.41$
Maritime Life CI Harbour Seg Fund: 1 138.83$
Maritime Life Fidelity True North Seg Fund:
1 114.14$
Manulife GIF MLIA B World Invest: 661.09$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 578.06$
RBC U.S. Mid-Cap Equity Fund C$: 2 139.80$
RBC Global Resources Fund: 1 351.42$
RBC O'Shaughnessy International Equity Fund: 692.63$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 260.54$
RBC Global Precious Metals Fund: 1 072.16$

TOTAL: 41 164.14$

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(168.89$):
151 053.11$

Welcome to The Data Group Income Fund (DGI.UN), 600 units of DGI.UN in my portfolio

Many portfolio changes again today! I noticed that the price of PHS.U was up... so I decided to sell 300 units of Sprott Physical Silver Trust UTS (PHS.U) at 13.72$. Just the day before, I had purchased 400 units at 13.49$. This make a little profit of 69$, enough to cover the commissions on my latest stock transactions I guess. PHS.U is fun to hold, but it doesn't pay any dividend... After reading about Data Group Income Fund (DGI.UN), I found the company very great and I decided to invest in 600 units, at 6.66$ (not the exact price mention in previous post)... DGI.UN pay a good dividend and its seem to be a good hold for now.

I may sell some units of PHS.U again, but at this time, all those stocks trading exhausted me, in the sense that I don't have any time left to do anything else. I am very happy to only be working part-time at this time. Another advantage of working part-time only: Less money, less tax to pay...

With the recent changes made to my stock portfolio, I am now at 7 149.97$ in dividend income outside the RRSP (equivalent of 595.83$). Of course, I am looking forward to increase my dividend income. Having a dividend income can be kind of tricky because it can be dangerous to ONLY focus on the dividend income, and forgive about the importance of diversification. I could easily reach the 8 400$ (that being the equivalent of a 700$ per month) in dividend income, but that would just increase the level of risk I am taking.

Example: I could invest more in Superior Plus Corporation (SPB) who provided investor a dividend yield of more than 13%. I already hold 200 stocks in SPB and, from my point of view, it's enough. I read on forums some investors comments saying that they would invest in SPB if the company would be paying a reasonable yield. Because for some investors, a very high yield is a stay away alert... But that make sense in a certain way.

I promised you a new dividend payer company, and here it is: Westshore Terminals Investment Corporation (WTE.UN). Its been shared by a reader who told me that the company is hold by one of the richest man in Canada. My first reading gave me the impression that WTE.UN is an important company in Canada, but I cannot say much more at this time.

Dumont Nickel (DNI) alias DNI Metals Inc. (DNI) hit hard on the Toronto Stock Exchange Market

I had been a long time investor of DNI Metals Inc. (DNI). Back in the time of my online stock trades, the company name was Dumont Nickel (DNI). Inside my online broker day trading, I was holding 23 000 stocks of DNI at 3 cents per stock (690$ investment value). Following what, the company had went through different changes. Among other, there's been that 8 to 1 fusion, leaving nothing more than 2 875 stocks as tiny little investment value (but I won't complaint, it was my choice to invest in Dumont Nickel (DNI)). DNI is now from my TFSA.

So far, I had never been able to make some money out of my stock investment in DNI Metals Inc. (DNI). The best thing would had been to sell following the 8 to 1 fusion. Initially, my stock investment in DNI Metals Inc. (DNI) was supposed to be a hit and run: a quick buy, for a quick sell and a quick gain. But gains never came...

It's a good thing I didn't sell DNI Metals Inc. (DNI) because new developments are on their way. And ta-dam... today, just like magic, DNI Metals Inc. (DNI) gains a fantastic 34.62%!!! DNI closed today at 0.175 cents. Good, but not good enough to make a profit out of the stock investment.

I am holding DNI because I had been holding the company in my online future trading broker for quite some time now, but this is not a BUY recommendation coming from my end for online investing. Not that I don't want to promote a company that I hold, but it's been a very long run with DNI now and no money made. But the company is to be watch. The company may experiment more sustainable result in the months to come. While waiting for that time to happen, I will still hold DNI.

New trades: Welcome DGI.UN

I just sell 300 units of PHS.U at 13.72$ and buy 600 units of DGI.UN at 6.65$.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Happy Valentine trading

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

Happy Valentine!

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

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

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

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

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

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

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

Banking on Sunday is now possible at TD Canada Trust

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

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

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

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

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

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

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

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

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

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

"Madame XXX,

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

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

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

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

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

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

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

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

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

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

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

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

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