Bye bye Gilles Duceppe! Hélène Laverdière NPD wins Laurier/Ste-Marie

Yesterday evening was a magical evening. Knowing that the NPD of Jack Layton kick out Gilles Duceppe, who’s the leader of the Bloc Québécois Party well that was an incredible feeling. Hélène Laverdière needs to be proud of herself and I find her very brave. In a Quebec province where nothing is done following my Canadian standards, things are about to change. Quebeckers finally understand that the Bloc Québécois is nothing more than bullshit and the project of building Quebec has a country of its own have no value. Quebec by itself is nothing.

I am back to my old evening shift at my weekday job and I have to say, I love to have all day long for myself. It allow be to do all of those things that I want to do. I start by doing nothing more than sleeping in lol... But it’s not what I plan to do for the upcoming days as I have a lot put in standby. I have accumulated plenty of subjects for HubPages and while being at home during daytime, I would like to spend this free time to see if I can make more money online and maybe even seek for a daytime job.

I received today 2 last dividend payment s for the month of April: 16.50$ from TD Dominion Bank (TD) and 55.64$ from Bank of Nova Scotia (BNS). Those 2 bring in 72.14$ in fresh cash. Not bad! I had reached 777.78$ in dividend earning for the month of April.

I am in need of cash right now as I am looking forward to decrease my margin account loan related to my stock. I am waiting for a pay check this week and totally of it will go as payment on my margin. My margin is only of 4.25%, but I prefer to keep the margin a bit lower than what I am on right now. I am currently exceeding the 38 000$ on my margin. I have left available a bit more than 25 000$. I have a 5 000$ credit line that I paid off using my margin money. Minus the 5 000$, I would like to see my margin use not exceeding 30 000$. This mean that I have a 3 000$ that I need to bring in to stabilize the whole thing. It’s something I can do easily as project for the next couple of weeks.

I vote Hélène Laverdière, Jack Layton NPD Laurier/Ste-Marie

Today is the first day of spring that I am wearing sandals. I vote earlier this morning and I made a big X just next to Hélène Laverdière name! It’s great to see that some Quebeckers are intelligent enough to dissociate themselves from the Bloc Québécois. We’ll see what happen next for those lost soul of Quebeckers.

In the meantime, I learn that Bin Laden is dead. This is so unreal. I guess the man is better dead than alive because no one had ever been able to keep track of him. I even believe is dead is accidental, that he wasn’t directly target but got kill, among other... I didn’t read too much about this as I felt sad. Not about his dead, but what it represent as a dead.

Ironically, my powerful silver is going DOWN!!! NOOOOOOO! lol... Previously, I wrote on how much I was excited to invest in the real Sprott silver, the one in US dollars, the real deal: Sprott Physical Silver Trust ET (PSLV)! But as for now, and the trading day is not over yet, PSLV is down of 6.81%. It’s been reported that Eric Sprott had sold for $35 million of PSLV units last week. WHY? This had to happen just at the time I made my first investment in US dollars. I also hold PHS.U in my TFSA and RRSP. I don’t plan to sell, I will look forward will happen next. This is an example among other of the importance of diversification inside a portfolio. Silver yes, but not silver only.

On the other hand, my investment in TMX Group Inc. (X) is doing well. Back in February of this year, I had invested in 100 stocks of X, at 41.97$ per stock. That represents some money! I invested without thinking too much. I was totally into the merger with London. Since February, TMX title went below 41.97$. I did not worry too much about it as I was confident the title would have go up again. And it did. We are not back to the 41.97$ yet, but not too far away. And a merger deal is not too far away either. Deal or no deal, my investment in TMX Group Inc. (X) would have been a constructive one.

My investment in TD bank is doing well. I would had liked to sell when the title had hit the 86$ a couple of weeks ago! But it was cleared to me that Toronto Dominion Bank (TD) could easily hit the 90$ per stock... so I didn’t sell. But still, a profit of 75$ is quite something. Not to forget the dividend of Toronto Dominion Bank (TD) that I should be receiving soon.

Just Energy Group Inc. (JE) continues to beat my expectations. At more than 15$ per stock, now, investors have the proof that JE is very strong!

I am also completely amazed by my investment in Westshore Terminals Invest Corp (WTE.UN)! So far, I made a good 200$ gain on my investment – and not to forget the dividend!

I could name plenty of examples like that. Its all about investing in what you believe in.

New Flyer Industries Inc. (NFI.UN) title is going up! I have 4 hold and 2 buy for this one. It’s not time to sell NFI.UN now, the title will gain value again. In other words: everything is under control. :0)

I would like to sell Yellow Pages. That's the only thing I don't like in my portfolio right now. I want to get ride of the poorly manage company ASAP.

Happy voting Canada!

Tomorrow Federal Election Day: Jack Layton day of glory

I made my ultimate choice! I am going to vote for Jack Layton. It’s the only rational choice. Tories might be scare to hell of Jack Layton, because they came out with that 15 old year’s story: our magnificent Jack Layton had a little party at a “masseuse” saloon. To me, that story makes Jack Layton just more human. Jack Layton was man enough to recognize his “mistake”, if you a call a mistake a man enjoying a massage once in a while.

This little juicy gossip story pretty much speaks up for itself: there’s no fool play with Jack Layton. In the sense that Jack Layton will ever liar to Canadians: the man is strong enough to live with himself. He’s far from being like Brian Mulroney. Jack Layton is a man courage. Jack Layton admitted going to a massage place 15 years ago. This is an event like another one in a man life and I feel ok with that.

Stephen Harper is now a shame to Canada and should not be name for another term. Stephen Harper cabinet ministers are a bunch of incompetents. In this massage story, Stephen Harper found his way to diminish Jack Layton. But Tories are big pigs. And tomorrow, Jack Layton is going to shine like never before. Tomorrow, I am voting for Jack Layton.

Welcome in the house, Sprott Physical Silver Trust ET (PSLV)!

This last Friday, while Prince William was marrying Kate Middleton, I made my first investment in UD dollars! I could not simply ignore the opportunity very much longer. At this time, the Canadian dollars worth more than the US dollars. Never of my life would have thought such thing possible. I proceed with 2 transfers of 1 000$ Canadian dollars in US ones. People had different opinions on this, but personally, I don’t think it this will last for very long. Maybe for a couple of weeks, maybe months, but not for years. But this being my personal opinion of course. Anyhow, when a good opportunity present itself, better to jump on it! And here I am, holding more than 2 000$ in US dollars!

On April 28 (sorry I couldn’t post in real time, but I had been quite busy!), I proceed with my first transfer of 1 000$ CAN into US dollars. The rate was excellent, 0.966, which provide me a very good 1 035.20$ US. On April 29, 2011, I proceed with a second transfers of 1 000$. That time, the rate was of 0.9679, giving me a good 1 033.16$ US, for a total of 2 068.36$ US. Just by transferring some Canadian dollars in US ones, right there, my initial 2 000$ CAN gain an immediate 3.418%! The 68.36$ gain is enough to cover 6 commission fees of 9.99$ at TD Waterhouse. I am still with TD Waterhouse despite some difficulties I had go through with them, but despite all, I will later on explain why I decide to stay with them.

Ok, I know 2 068.36$ US is not that much of money, but this is exactly how this portfolio of mine got built up, by trench of thousands of dollars. On Friday, I invested all the money I could in units of Sprott Physical Silver Trust ET (PSLV). I had been investing in the Sprott Physical Silver Trust UTS (PHS.U-TMX) since November 2010, selling-buying, selling-buying on a regular basis until one day in February 2011, where I had to faced some major currency problems that make me lost close to 300$ in profit. Since that time, I decided to hold the fantastic Sprott Physical Silver Trust UTS (PHS.U-TMX) inside register account only. That’s how I hold some units of Sprott Physical Silver Trust UTS (PHS.U-TMX) in my RRSP and TFSA.

From now on, I will be able to trade the Sprott Physical Silver just the way I use to do, without having to deal with some complicated currency problem. I still do not get why the Sprott Physical Silver Trust UTS (PHS.U) trade in US dollars while being listed to the TMX but hey, that’s how it is. Now is better because I finally hold US dollars and I finally hold the Sprott Physical Silver in his original currency.

The Sprott Physical is really that awesome. It’s something all small investors should go crazy about! Since November 2010, I had a terrific experience with the Sprott Physical Silver. Being able to make good gain on a short basis had been quite an experience. I don’t like oil investment, but whenever it come to make quick gain on silver, I feel more than comfortable with that.

Oil vs silver

From my experience, silver is much more stable in value than what oil is. Sprott Physical Silver Trust UTS (PHS.U) unit value is stable and did not stop growing since November 2010. And I don’t think it’s about to stop anytime soon. The Sprott Physical Silver match my investment way perfectly well because its value is strong and the title, in both Canadian and US market, is not volatile. With oil, it’s totally different. I find oil investment particularly hard to follow and I don’t like it. I don’t like it at all actually.

My goal with my investment in the Sprott Physical Silver Trust ET (PSLV) is quite simple and straight forward: I want to see my investment double in value. From a 2 000$US+ I want a 4 000$US. I am not setting up a specific time frame, but this may happen within the next 3 months or so. I don’t care if it takes longer (or less)... lol... But knowing myself, I may be tempted to sell among the way, just for self-satisfaction. We’ll see what happen.

In his latest book The Idiot Millionaire, despite his bad pick with Power Financial Corporation (PWF) Derek Foster (no, Derek foster is certainly not perfect lol...) has come with some awesome US stock picks. But if Derek Foster is not enough for you as it is for me, Susan Brunner had recently post something interesting about something name Barclays Bank (BCS). Good timing isn’t? This mean that I really have to invest in Barclays, at least a couple of stocks, just for the heck of it. I had been thinking about Yahoo! stocks too.

I have to say, it’s quite tempting to take what I own in US dollars and invest it in 6 different companies (as a symbol of the 68.36$US made in profit just by transferring of currency...). No need to diversify that much a small amount of money (2 000$US), but I find the concept quite interesting, and also, to hold some US companies would just add in diversification. But that may not happen for now because the money is in the Sprott Silver and I can’t wait to see the results.

Believe it or not, my investment in the Sprott Physical Silver Trust ET (PSLV) had bring in a US margin of 1 029.32$. Which mean that I have available 1 029.32$ to invest... or go shopping with in New York. It’s one or the other. However, I don’t plan to invest using US margin money. At this point, I had reached my loan limit. Some TD branches are open on Sunday, so I may try to locate one tomorrow to make a deposit. I currently have a 1 300$ available and I want to make a deposit on my Canadian margin account. I am at more than 37$k on my Canadian margin. I only have left a bit more than 25 000$ available. But good news being that I have a 5 000$ available on my credit line that I can transfer over at anytime in case of a bad market condition. It could sound like a catastrophic plan, but I am aware i had reached my limit and I don’t plan to go deeper into my Canadian margin usage. I even taught about selling my TD and YLO stocks, but no serious selling plan yet had been made. Until the US dollars gain its original value, I plan to transfer all of my saving in US dollars. I hope to build a nice US portfolio by the time I am hitting 31... in August. Watch out because the spring is going to be HOT. Get rich or died trying.

My first investment in US dollars!

I just purchase some PSLV units at 21.82$! Talk later.

Montreal Oratoire St-Joseph is the real home of God

My mom is currently spending the Easter weekend with me. I even had my Monday off, which I was very happy. I also took off of my weekend job, which is quite unusual. Yesterday, we went for a little bit of shopping on St-Denis, close to where I live. We went for a visit of the Old Montreal and the Old Port. It was cold and windy, but it was fun. We went to the Notre-Dame Church in the Old Montreal also. Today, we went for a visit at the Oratoire St-Joseph. I never went there before. But the visit worth it.

The Basilique is very simple, but grandiose. When visiting it, my mom said: “It’s that it?”. Which amuse me. I went to several church in my life, visiting even many of them in France and I totally got what my mom wanted to say by that. Basilique, Cathédrale etc. usually have a lot of luxury in them, gold (or the color of gold), major art works, etc. Those places are not places to pray, but are more museums than the actual home of God. But it’s not the case with the Oratoire St-Joseph. The Oratoire St-Joseph is the home of God. 

I explain to my mother that the Oratoire St-Joseph is like the Saint Andre himself, humble, but grandiose. After what, my mom totally get it. But it true that the Basilique of the Oratoire St-Joseph can surprise Christians who are more used to regular churches. Personally, I think that all churches, Cathédrale, Basilique and other should be like the Basilique of the Oratoire St-Joseph, humble home of God. I will be posting some pictures soon, my mom is sleeping, I am going to bed now. Tomorrow is her last day in Montreal.

From Sprott Physical Silver Trust UTS (PHS.U) to Sprott Physical Silver Trust ET (PSLV): silver, silver and silver

My latest portfolio update had show results that exceeded my expectations. I own part of those good results to my asset diversification and also to my silver investment made in the Sprott Physical Silver Trust UTS (PHS.U).

I own some Sprott Physical Silver Trust UTS (PHS.U) units inside my TFSA and RRSP. With PHS.U, I had been experiencing the power of silver trading since November 2010. I discuss previously about the difficulties I had while trading Sprott Physical Silver Trust UTS (PHS.U) on the TMX market. Currently, the Canadian dollar is exceeding the parity. And this is not a good thing when it comes to sell some PHS.U units outside a register account because no wash trade is possible and huge profit can be loss because of the over-valued Canadian dollar we have right now. But good news: this won’t last forever. A strong Canadian dollar is not good for exportation, among other. And anyhow, in front of an extra-united country like the USA, Canada won’t be able to exceed the States for very long. In other words: this is the occasion of a lifetime.

Yes, it’s time for small investors to buy US dollars! And there’s never been better timing. Currently with TD Waterhouse, a 2 000$ in Canadian currency worth 2 061.01$ in US dollars! For fan of the Sprott Physical Silver Trust UTS (PHS.U) like myself, time has come to experiment the power of silver at its best: in US dollars, of course.

On the TMX, the Sprott Silver trades under the ticket PHS.U. In the US (NYSE), the Sprott Silver trades under the ticket symbol PSLV. Basically, the genius plan is quite simple: buy US dollars now because there’s never been better time, purchase Sprott Physical Silver Trust ET (PSLV) on its American market, wait for huge profit to be made, sell and reinvest the money in top US quality dividend payer companies.

Lately, I had been working at paying my 10 000$ credit line at 7.52%. I had patiently paid 2 131.03$ on the credit line. I am saying “patiently” because for the first time in years, I had done something I never been caring about: paying off debt. I am not against paying debt, but when a stock market just crack from endless possibilities, why should a 30 years old care about paying off debt? Fact is, my debt portion had made me gone richer and it’s not about to stop anytime soon. Risky, would you say. Well, the risk is calculated and I totally assume the risk I am taking because from what I had experimented so far, I know somewhere I can make my profit out of my everything. Ya ya bling bling!

Let’s study the numbers.

On March 16, 2011: I had 71 773.63$ in debt and 151 121.80$ in asset, for a net worth of 79 348.17$. On April 16, 2011: I had 74 971.30$ in debt and 160 575.64$ worth in asset, for a net worth of 85 604.34$. Inside of a month, my net worth increase of 6 256.17$. I know, that’s pretty good lol. My debt level had increased, but still, my net worth had exceeded the money own on debt. At this point, is pretty much half and half, but I am exceeding my debt level of more than 10 000$. I won’t go any deeper in debt, but I will certainly use extra cash available to buy some US dollars. I am currently working like a dog for that. All my life is concentrate at one think: make money out of the stock market. And I think the part month had been awesome for me. It’s the reward of long boring hours spend at work and trying to understand the stock market. And I think I am getting the whole thing straight out now, finally after 4 years spend investing in stock. I wouldn’t continue without meeting my expectations and my expectations were set quite low, one simple thing: not to lose money. I had lose thousands of dollars but made thousands of thousands more than what I had lost. My profit exceeds the money lost. And the best way to continue that way is to invest in silver. HZU is another silver investment but personally, I find the title too volatile. I gave HZU a try for a couple of weeks, but I wasn’t able to handle it for very long.

Sprott Physical Silver Trust UTS (PHS.U-TMX) and Sprott Physical Silver Trust ET (PSLV- NYSE) are the perfect silver investment for small investors. Why? Both titles are stable and gains continuous grow. I had been trading Sprott Physical Silver Trust UTS (PHS.U) since November 2010. Remember? Back in the time, I had invest in PHS.U units when its value was below 11$ per unit! Today, PHS.U close at 21.50$! Since November 2010, knowing what kind of special gem was PHS.U I had been buying-selling-buying-selling on a regular basis, until I got stuck in a currency problem that took off big part of my profit, leaving me only a 30$ profit instead of the 300$ expected. This bad trading experience is now behind me. Now, time to get a taste of the power silver, but in US dollars. Sprott Physical Silver Trust ET (PSLV) can make things happen and make it happen in US dollars. Is there anything better that could happen to me right now? If, like me you live in Quebec province, well, I have good news for you: you don’t have to trust the stupidity of Quebec financial planner and bankers to make money out of the stock market, you just have to trust the power of silver. Get ready for the cash, and in US dollars please.

I am now at 160 575.64$

This is actually a real good surprise! I taught I was at somewhere at 157 000$, but certainly not at 160 575.64$ in asset! WOW! Its a real good surprise because since I decide to pay off some debt, instead of investing lately, well, I didn't have too much hope about seeing everything going up but it did. Paying off some debt was a good decision and I plan to continue, until my net worth increase to 90 000$. My net worth after debt is currently at 85 604.34$. I can reach my goal very easily, but I am getting exhausted among the way because my daytime job had been giving me some trouble as my schedule has change. And it has changed again for the next 2 weeks. But it's the last time, I will never accept any schedule change without any notice. Ever again. It's been disturbing me too much and I am not willing to please anymore.

I haven't update my portfolio for about a month. My investment portfolio has changed. But nothing new. I just add to what I already had. I add some new stocks of Sprott Inc. (SII), Davis + Henderson Corporation (DH) and Premium Brands Holdings Corporation (PBH). My latest investment was in Premium Brands Holdings Corporation (PBH), in which I add up an extra 200 stocks to what I already hold. Like always, the whole thing is registered to a DRIP. And effect is terrific. Well, judge for yourself, I am at 160k+ and out TMX goddness is under the 14 000 points. YEAH!

Champage, caviar, Louis Vuitton bag, PLEASE lol... PARTY.

But before partying... I need to give a good mention to my latest acquisitions: Canfor Pulp Products Inc. (CFX), Colabor Group Inc. (GCL), WesternOne Equity Income Fund (WEQ.UN), TD Toronto Dominion (TD), K-Bro Linen Inc. (KBL) and Exchange Income Corporation (EIF) who all performed very well:

Canfor Pulp Products Inc. (CFX): 1 835$
Initial investment: 1 479.99$
Profit: +355.01$

Colabor Group Inc. (GCL):
Current value: 2 586.72$
Initial investment: 2 404.79$
Profit: +181.93$

WesternOne Equity Income Fund (WEQ.UN):
Current value: 2 226.80$
Initial investment: 2 061.99$
Profit: +164.81$

TD Toronto Dominion (TD):
Current value: 2 052.25$
Initial investment: 1 985.99$
Profit: +66.26$

K-Bro Linen Inc. (KBL):
Current value: 2 186$
Initial investment: 2 034.99$
Profit: +151.01$

Exchange Income Corporation (EIF):
Current value: 2 222$
Initial investment: 1 998.99$
Profit: +223.01$

Those are small, but strong resistent profit coming from some of my latest acquisitions. Some of my investments did very well like those mentions above. Some of my older investment had done very well also, some asset that I had been holding for more a couple of months. Let's take a quick look at:

EnCana Corporation (ECA):
Current value: 6 393.30$
Initial investment: 5 980.49$
Profit: +412.81$

Bank of Nova Scotia (BNS):
Current value: 6 109.70$
Initial investment: 5 680.46$
Profit: +429.24$

Methanex Corporation (MX):
Current value: 3 149.74$
Initial investment: 1 626.80$
Profit: +1 522.94$

Fortis (FTS):
Current value: 3 367.29$
Initial investment: 2 680.06$
Profit: +687.23$

Pembina Pipeline Corporation (PPL):
Current value: 10 061.88$
Initial investment: 6 491.02$
Profit: +3 570.86$

Just Energy Group Inc. (JE):
Current value: 9 807.30$
Initial investment: 9 116.72$
Profit: +690.58$

Enbridge Income Fund Holdings Inc. (ENF):
Current value: 6 535.56$
Initial investment: 5 668.30$
Profit: +867.26$

Of course, some investment had been victim of the market volatility, like NFI.UN and YLO, just to name a few. But overall, my portfolio had been stable and the result well, is that brand new 160 575.64$ of mine.

I seek Safe Harbor.

My investment portfolio on date of April 16, 2011

Savings:
450$

Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 9 377.68$
Timminco (TIM): 77$
Blue Note Mining (BNT): 44$
Bank of Nova Scotia (BNS): 6 109.70$
Hanwei Energy Services (HE): 91.50$
Methanex Corporation (MX): 3 149.74$
Fortis (FTS): 3 367.29$
Pembina Pipeline Corporation (PPL):
10 061.88$
Just Energy Group Inc. (JE): 9 807.30$
Yellow Media Inc. (YLO): 2 391.21$
Pengrowth Energy Corporation (PGF): 2 827.44$
Enbridge Income Fund Holdings Inc. (ENF): 6 535.56$
Corby Distilleries Limited (CDL.A): 3 469.27$
Davis + Henderson Corporation (DH):
6 034.40$
Premium Brands Holdings Corporation (PBH):
7 013.50$
EnCana Corporation (ECA): 6 393.30$
iShares S&P/TSX Capped REIT Index (XRE): 2 276.12$
Horizons Gold Yield Fund (HGY.UN): 1 898$
Canfor Pulp Products Inc. (CFX): 1 835$
New Flyer Industries Inc. (NFI.UN): 2 092.72$
Capital Power Income L.P. (CPA.UN): 1 967$
Exchange Income Corporation (EIF): 2 222$
Rogers Sugar Inc. (RSI): 1 605$
Student Transportation (STB): 1 380.87$
Colabor Group Inc. (GCL): 2 586.72$
TMX Group Inc. (X): 4 040$
Data Group Income Fund (DGI.UN): 3 854.97$
TD Toronto Dominion (TD): 2 052.25$
K-Bro Linen Inc. (KBL): 2 186$
Westshore Terminals Invest Corp (WTE.UN): 4 692$
WesternOne Equity Income Fund (WEQ.UN): 2 226.80$

TOTAL: 113 666.22$

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 20.85$
Dumont Nickel Inc. (DNI): 517.50$
Sprott Physical Silver Trust UTS (PHS.U): 3 994.32$
Cash: 2.12$

TOTAL: 4 534.79$

RSP investment portfolio:
Sprott Canadian Equity Fund: 8 187.52$
Claymore Gold Bullion ETF (CGL): 4 508.92$
EnCana Corporation (ECA): 3 165$
Emera Incorporated (EMA): 6 441.76$
Sprott Physical Silver Trust UTS (PHS.U): 1 331.44$
Cash: 65.07$

CIBC Dividend Growth Fund: 576.07$
CIBC Emerging Markets Index Fund: 414.28$
CIBC Monthly Income Fund: 1 049.93$

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$

Maritime Life International Equity Fund
(Templeton): 668.71$
Manulife Simplicity Growth Portfolio: 938.33$
Maritime Life CI Harbour Seg Fund: 1 121$
Maritime Life Fidelity True North Seg Fund:
1 095.89$
Manulife GIF MLIA B World Invest: 666.82$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 576.26$
RBC U.S. Mid-Cap Equity Fund C$: 2 050.47$
RBC Global Resources Fund: 1 295.17$
RBC O'Shaughnessy International Equity Fund: 676.81$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 238.54$
RBC Global Precious Metals Fund: 1 082.52$

TOTAL: 41 742.60$

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(142.03$):
160 575.64$

My debt situation on date of April 16, 2011

9 235.70$ at a low interest rate of 4.75% (RRSP credit line rates) = 438.70$ in annual interest

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

7 803.28$ on a TD Canada Trust credit card at a low interest rate of 4.9% (result of a credit card balance transfer) = 382.36$ in annual interest

7 638.29$ at low interest rate loan at 5.50% (student loan) = 420.11$ in annual interest

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

7 868.97$ at 7.52% (credit line rates) = 591.75$ in annual interest

37 525.06$ at a low interest rates of 4.25% (margin money coming from TD Water house): =
1 594.82$ in annual interest

TOTAL: 74 971.30$

TOTAL in annual interest: 3 623.74$
[In date of April 16, 2011]