My 2011 investing year in review

I am in vacations for the next couple of days. It’s currently snowing in the X town of New Brunswick were I am and I am currently still in my pyjama, watching Ellen show and blogging, doing absolutely nothing at all or almost. This is the perfect time to review how this 2011 year went financially speaking! Yeah!

I was EXTREMELY pleased yesterday. Imagine this: my non-registered portfolio hit the 113 243$. WOW WOW WOW. Only less than 4k is missing before I totally recover from my internal capital loss. And right now, it’s even getting better, I am at 114 035.37$. It’s all going pretty well and looking great for a complete recovery.

You’ll see below my BUY activities for my new investments add permanently I hope, in my portfolio:

Buy: iShares S&P/TSX Capped REIT Index (XRE)

Investment value (including commission fee): 1367.99$

Buy: Sprott Inc. (SII)

Investment value (including commission fee): 4 679.99$

Buy: CFX

Investment value (including commission fee): 1 479.99$

Buy: NFI

Investment value (including commission fee): 2 371.99$

Buy: EIF

Investment value (including commission fee): 1 998.99$

Buy: RSI

Investment value (including commission fee): 1 674.99$

Buy: CPA.UN

Investment value (including commission fee): 1 978.99$

February

Buy: STB

Investment value (including commission fee): 1 281.99$

Buy: GCL

Investment value (including commission fee): 2 353.99$

Buy: JE

Investment value (including commission fee): 1 575.99$

Buy: JE

Investment value (including commission fee): 3 132$

Buy: X

Investment value (including commission fee): 4 206.99$

Buy: DGI.UN

Investment value (including commission fee): 1 341.99$

Buy: DGI.UN

Investment value (including commission fee): 2 664$

Buy: WTE.UN

Investment value (including commission fee): 4 631.99$

March

Buy: KBL

Investment value (including commission fee): 2034.99$

Buy: WEQ.UN

Investment value (including commission fee): 2061.99$

Buy: DH

Investment value (including commission fee): 2107.99$

Buy: Sprott Inc. (SII)

Investment value (including commission fee): 4 974.99$

Buy: PSLV (US $)

Investment value (including commission fee): 2 039.25$ US

May

Buy: FR

Investment value (including commission fee): 1 943.99$

Buy: ATP

Investment value (including commission fee): 1 499.99$

Buy: PSLV

Investment value (including commission fee): 1 035.91$

Buy: EIF

Investment value (including commission fee): 2 399.99$

Buy: TRP

Investment value (including commission fee): 1 016.74$

Buy: K

Investment value (including commission fee): 1 667.99$

Buy: CNR

Investment value (including commission fee): 1 183.41$

Buy: FC

Investment value (including commission fee): 510.79$

Buy: CNR

Investment value (including commission fee): 960.99$

Buy: SFI.UN

Investment value (including commission fee): 486.99$

Buy: ENB

Investment value (including commission fee): 999.51$

Buy: AGU

Investment value (including commission fee): 950.79$

Those are the new comers in my portfolio for 2011! This was for the investment part, for what I plan to hold on to as long I won’t need the cash. Let see for the BUY for the day trading part:

Trading, short buy-and-sell for 2011

SPB

Buy: Investment value (including commission fee), January 27, 2011: 2 405.99$

Sell value (after commission), February 22, 2011: 2 252.01$

-153.98$

110 days x 0.2801495205479452 $ (interest of 4.25% x 2 405.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -30.82$

TOTAL: -186.08$

FTN

Buy: Investment value (including commission fee), on January 27, 2011: 1 029.99$

Sell value (after commission), on February 9, 2011: 1 050.01$

+20.02$

13 days x 0.1199303424657534$ (interest of 4.25% x 1 029.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -1.56$

TOTAL: +18.46$

HOD

Buy: Investment value (including commission fee), May 6, 2011: 674.99$

Sell: Value after commission fee, June 15, 2011: 675.01$

+0.02$

40 days x 0.0785947260273973$ (interest of 4.25% x 674.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -3.13$

TOTAL: -3.11$

YLO

Buy: Investment value (including commission fee), August 2009 + DRIP: 2 602.56$

Investment value on May 2011: 2 297.10$

-305.46$

No margin involved, for once.

FR

Buy: Investment value (including commission fee), May 6, 2011: 2 702.99$

Sell: Value after commission fee, May 9, 2011: 2 785.01$

+82.02$

3 days x 0.3147317123287671$ (interest of 4.25% x 2 702.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -0.94$

TOTAL: +81.08$

TD

Buy: Investment value (including commission fee) on February 14, 2011: 1 985.99$

Sell value (after commission) on May 9, 2011: 2 040.51$

+54.52$ + 16.50$ (dividend)

23 days x 0.2312454109589041$ (interest of 4.25% x 1 985.99$ / 365 = the interest per day (I made the investment using something name MARGIN): -5.3176$

TOTAL: +65.70$

HZU

Buy: Investment value (including commission fee) on March 7, 2011: 5 027.49$

Sell value (after commission) on March 23, 2011: 5 126.01$

+ 98.52$

16 days x 0.5853926712328767$ (interest of 4.25% x 5 027.49$ / 365 = the interest per day (I made the investment using something name MARGIN) = -9.37$

TOTAL: +89.15$

HZU

Buy: Investment value (including commission fee) on May 10, 2011: 2 912.49$

Sell value (after commission) on May 10, 2011: 2 942.51$

+30.02$

HZU

Buy: Investment value (including commission fee) on May 13, 2011: 2 942.01$

Sell value (after commission) on May 13, 2011: 2 934.99$

TOTAL: -7.02$

HZU

Buy: Investment value (including commission fee) on May 18, 201: 1 903.99$

Sell value (after commission) on May 18, 2011: 1 930.01$

+26.02$

HZU

Buy: Investment value (including commission fee) on May 19, 2011: 2 961.99$

Sell value (after commission) on May 24, 2011: 3 056.01$

+ 94.02$

6 days x 0.3448892465753425$ (interest of 4.25% x 2 961.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -2.07$

TOTAL: +91.95$

Buy: HZD

Investment value (including commission fee) on May 5, 2011: 2 669.99$

Sell value (after commission) on May 5, 2011: 2 730.01$

+60.02$

Buy: HZD

Investment value (including commission fee) on May 11, 2011: 2 729.99$

Sell value (after commission) on May 11, 2011: 2 750.01$

+ 20.02$

HZD

Investment value (including commission fee) on May 12, 2011: 3 125.99$

Sell value (after commission) on August 18, 2011: 1 878.01$

-1 247.98$

98 days x 0.3639851369863014$ (interest of 4.25% x 3 125.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -35.66$

TOTAL: -1 283.64$

SII

Investment value (including commission fee) on January 17, 2011: 4 679.99$

Sell value (after commission) on February 7, 2011: 4 967.31$

+ 287.32$

21 days x 0.5449303424657534$ (interest of 4.25% x 4 679.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -11.44$

TOTAL: +275.88

JE

Investment value (including commission fee) on February 7, 2011: 4 707.99$

Sell value (after commission) on February 14, 2011: 6 279.69$

+1 571.70$

7 days x $ (interest of 4.25% x 4 707.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -3.84$

TOTAL: +1 567.86$

PHS.U

Investment value (including commission fee) on February 14, 2011: 5 424.91$

400 units at 13.49$

Sell value (after commission) on February 15, 2011: 3986.94

300 units at 13.72$

+46$

PHS.U

Investment value (including commission fee) on February 22, 2011: 7 017.60$

Sell value (after commission) on March 1, 2011: 7 049.68$

+ 32.08$

7 days x 0.8171178082191781$ (interest of 4.25% x 7 017.60$ / 365 = the interest per day (I made the investment using something name MARGIN) = -5.72$

TOTAL: 26.36$

OVERALL TOTAL: +648.87$

I know, I rock the place. With all the risk I took, I am extremely lucky to finish the 2011 year on a positive trading note. I work a big part of the day of this, so I hope you enjoy!

Overall, including the proper investment and day trading, I bought for over 114 000$ value in stocks this year! Funny fact, my non-registered portfolio currently worth 114 222.08$! 2011 had been a chaotic trading year. I had bought, I had sell, made money, lose money. I won’t be ever again trading like that of my life that’s for sure! Aie, aie aie!

2012 is going to be much soother for many reasons. First of all, it’s not anytime soon that I am going to buy stocks by using money from my margin account. The experience was fun, but I am extremely lucky to have gone through the whole thing without getting deep into losses. This was suicidal! I totally assume my entire investments move despite the craziness.

The whole day trading began shortly following November 2011, when Sprott launch the very fantastic Sprott Physical Silver Trust UTS (PHS.U). I began to buy and sell PHS.U on a regular basis. At the time, silver was a rocket, it was going up-up-up!

I always promised myself that if I would be to lose control over my investments, if my loses exceed my gain, than, at that time, I will stop investing and of course, stop blogging.

At the time, I am on a negative note but I find I did very well knowing:

a) All the trading involves in 2011.

b) The level of risk I took (day trading is RISKY).

c) Bad economy worldwide.

Let’s calculate the overall if you don’t mind:

Amount of money made on trades (non-registered): +648.87$

Non-registered portfolio current value: 114 257.34$

Securities book value: 117 836.15$

-3 578.81$

Interest on debt that are part from the non-registered portfolio: -3 564.03$

Dividend gain so far: 6 768.30$

+648.87$ -3 578.81$ -3 564.03$ + 6 768.30$

= +274.33$

This means that I am finishing the year 2011 with a POSITIVE gain of +274.33$ inside my non-registered portfolio.

This is actually VERY VERY good.

Why should be happy about a gain of +274.33$?

BECAUSE AT LEAST, I AM NOT LOOSING MONEY.

Don’t forget: if my loses exceed my gain, its game over.

No more investments, no more blog.

As usual, I am invincible. I consider myself lucky for not finishing on a negative note actually. I know my way to calculate is like unconventional, I am not counting the 30% taxes on the dividend income ok, but a girl does what she can do.

Will 2012 be as much WILD?

We are going to find out soon...

Hot chick with a 112 738.93$ non-registered portfolio

Who's that girl?

ME THE DIVIDEND GIRL.

Of course........

I think we may be on the road to finish the year 2011 on a positive note. The situation seems to get better in Europe. At least, the situation is getting stabilize. And that’s a good thing. And all the good things going on right now are just adding up to my portfolio. I am at a very good 112 738.93$ in my non-registered portfolio. I have the possibility to hit the 115k very easily in a good market condition. I feel the overall 200k is SO NEAR BY! We’ll see how it goes, but my feeling is good. I am going to go back to the 117k really soon. It’s now just a matter of when. And when it will happen, it will be a day of celebration.

My latest investment in Agrium Inc. (AGU) had been one of the greatest moves EVER. On December 14, I invested in Agrium. At the time, I bought stocks at 67.20$. Agrium Inc. (AGU) closed today session at 69.76$! This is very good and stuff like this really helps me to beat the internal capital loss I am experiencing right now in my portfolio. I don’t mind handling that shit of stock market we are in right now but I need to see a recovery and at 112k+, I am actually seeing a sign meaning: you bitch know how to invest FOR SURE. KIND OF.

Are you Christmas ready?

I am :)

Remember the name: XOXOX – Part 2

It doesn’t seem like it, but I am currently very busy. It’s the 2011 year count down! Only less than 2 weeks to DO EVERYTHING that needed to be done for 2011! CRAZY! LOL!!! Anyway, one of the thing I had to do and was a real misery is to contact Revenu Québec regarding the letter they send me the other day. I call the Mrs. XOXOX who handles MY case. Well, the lady that I previously exposed the name instead of this ridiculous XOXO was.... in vacations! Thank YOU! Very extremely helpful! I spoke to someone, explain I need a delay to have the case close and classify... I took the name of the guy of course but I won’t write it in here LOL! I call them because I try and I try to speak to someone at my old job but could only reach voicemail.

So I call Revenu Québec saying I couldn’t reach no one and that I needed more than just 21 days to lode the thing. So than I was told that the insurance could provide the letter needed. I call the insurance company I had at the time, which was Desjardins and it didn’t take long, I was told I will be provided a letter really soon. I didn’t have too many explanations to provide, as I was told those kinds of letters are quite common. So Quebeckers are not that full of shit after all. :)

All this is concerning the medical insurance related to the RAMQ. Something happen. No matter what, I am ready to fight and FIGHT hard. So by ready! I am going to start with the letter and if it turns out to be ugly, I am going to move to the next level, if you see what I mean. The name will simply be put back on my blog. I know, but if you decided to be a bad girl, need to be very very badddddddd.

Quebec province is not going to get a single penny out of me. NO WAY! I must admit, at a point, I was eligible to get my employer insurance but I didn’t want to get it. Remember me: I am the lady who’s NEVER sick. And this is true! I was in Quebec for the past eight years or so and I NEVER went to the hospital, never went for a medical visit at a clinic, never went to a CLSC. I never benefit from anything of that damn Quebec health system. So I paid and I paid like crazy, but I never benefit of ANYTHING. And forget about getting medications. I don't need any of that either, luckily.

I look pretty sharp like that, but each single time I get something from that Revenu Québec shit, I am the one who`s wrong, like all the time F*! Anyway, I cannot wait. While being with the phone with a probably very hot guy from Revenu Québec, I asked if he known how much I own Revenu Québec. He couldn’t tell because the letter was needed. I have other things to do than just talk to some probably very handsome gentleman over the phone you know!... WHATTTTTTTTTTT. LOL.

It seems like that Mrs. XOXOX is specifically assigned to the RAMQ cases like mine. Must be a very badly boring jobbbbbbb! AHHHHHHHHHHHHH!

Merry Christmas Quebeckers and Happy New Years....... even to YOU! LALALA.

Tim Hortons (THI): a Gordon Pape super stocks. Really?

So far for 2011, Gordon Pape super stocks selection is: Enbridge Inc. (ENB), Canadian National Railway Co (CNR), BCE Inc. (BCE), Toronto-Dominion Bank (TD) and Fortis Inc. (FTS). To this selection, Gordon Pape recently adds Tim Hortons (THI). Why oh why? But hey, Gordon Pape is Gordon Pape. He’s certainly not the Dividend Girl! lol! I appreciate Gordon Pape but sometime, I totally disagree on what he says. However, you cannot have better TFSA advices than those provide by Gordon Pape. He knows it all when it comes to the financial non-sense literature, so got to pay the guy some respect. At least.

Among Gordon Pape super stocks, I hold ENB, CNR and FTS. During the 2011 financial year, I had invested in TD Bank, but I sold the investment at profit after a couple of weeks of holding. I am not a fan of everything related to finance. I only hold a couple of financial stocks: Sprott Inc. (SII), Bank of Nova Scotia (BNS) and Davis + Henderson Corporation (DH). The reason why I don’t like financial stocks is because they are too sensible to the stock market volatility to be massively hold inside a valuable investment portfolio.

And what about BCE Inc. (BCE)? I exposed my view on BCE Inc. (BCE) before. I don’t think BCE is a good stock to invest in for multiple reasons that you can read on here.

Is Tim Hortons (THI) a good investment? I do go to the Tim Hortons once in a while. For Christmas, I bought my father a 50$ Tim Hortons card. I really didn’t know what to offer and a Tim card was perfect because he goes to the Tim Hortons quite often. So when it come to Tim Hortons, I know the place, I know the products.

However, at 49.03$ per stock, I find Tim Hortons (THI) stock price quite expensive for a company only selling coffees, bagels and donuts among other. On top of an expensive stock price, the dividend yield is low. Only 1.387%. Who’s making profit on Tim Hortons (THI) lucrative business? Certainly not the investors – and certainly not the employees either who are, for the vast majority of them, probably receiving a minimum wage salary. The company is not really generous in term of wage and dividend. Those are 2 factors to take into consideration. Here’s something else that will help you understand better my position regarding Tim Hortons (THI).

At 30.27$, my Pembina Pipeline Corporation (PPL) is much lower in term of stock price or value, but pay a lot more in dividend – 5.154%. I began to invest in PPL when stock price was under the 15$. Enormous gain $$$.

We cannot compare Tim Hortons (THI) to Pembina Pipeline Corporation (PPL) in any way, but you can certainly get better for your money than THI. At this point, THI is in among its highest value. I don’t think that Tim Hortons worth 49.03$ per stock. I don’t believe in that over rated stock value.

It could be a good idea to eventually add a few stock of Tim Hortons (THI) in my portfolio to add up to my internal diversification, but at 49.03$ per stock, it’s something that really needs to be think of. I prefer to invest in other companies. Agrium Inc. (AGU) was my latest investment and it was a good one. Now, my only problem being what’s going to be my next investment? That's the eternal question.

Fact is, it has become a real challenge to invest these days. I do my best to add new stuff in every month but it’s really not easy. It’s getting more and more difficult to pick stock. 

More money, more problems.

Look who has a non-registered portfolio worth 110 554$!

Of course, that person is ME! This is quite good compared to the 109k of a couple of days ago. My newest investment in Agrium Inc. (AGU) is performing well. Overall, my situation is improving. Currently, in my non-registered portfolio, I am experiencing a loss of 7 246.30$. I had invested a total of 117 800.30$.

117 800.30$ - 110 554$ = 7 246.30$

Not too long ago, the capital loss was only of 5k. It’s doesn’t take that much in order for me to stabilize the situation. Once the market rebound, that 7k capital loss will simply not be there anymore. This is paper stuff related.

I am not experiencing a direct capital loss of 7 246.30$ in my portfolio. A capital loss is direct when it results from the sale of stocks. However, while holding, everything is possible, especially with a blue chips oriented portfolio. And that’s exactly what I am looking into: to get a maximum of high quality Canadian blue chips in my already super-super portfolio to stabilize the value, upgrade the dividend income and rock the TSX ok.

While facing capital loss in stuff you hold, it’s really important to analyze the situation. With my actual position, I feel comfortable. I can go to work during daytime and I know for sure that my portfolio value won’t collapse overnight. Fact is, we live in a capitalist system and retail investors like you and I need to take advantage of the shitty system. Being exposed to the stock world involved dealing with a lot of risk, but it’s also rewarding. However, it takes good nerves to be able to support the market volatility. Just that part will decide if you are going to win or lose on the market. For 2011, I am not winning, but I am established for the long term. And while waiting for my portfolio to BOOST in value, I will simply to another thing that I do best: I will just keep the entertainment ON.

For 2012: a net worth of 100k and a portfolio value of 200k

With the help of my latest investment in Agrium Inc. (AGU), my non-registered portfolio closed the day exceeding the 110k. It takes a LOT of money and a LOT of investments to be able to make it to the mark of 110k. It’s not getting any better and I have a feeling that I may have to close the year on a negative note. However, the recent blue chips I add on lately, like AGU, CNR, TRP and ENB, just to name those few, increased my chances to be able to register great gain. But that will have to be considered for the long term only.

2011 had been a chaotic year. I will remember for a very very long time the year of 2011. The first year of a new decade. Very complicated, complex year overall. I had invested a lot of money. For a little while, my portfolio was doing very well. But during the year, there’s been a couple of crash, and my portfolio got badly hurt. I think I can possibly get a net worth of 100k by the end of 2012 and, why not, a 200k portfolio value.

One of my best investment moves of 2011 would have been certainly in Canadian National Railway Co (CNR). I initially invested in CNR when the stocks were only at somewhere to 65$. Westshore Terminals Invest Corp (WTE.UN) and WesternOne Equity Income Fund (WEQ.UN) were also 2 very good investments.

Financially speaking, the most significant event was the proposal made by the Maple Group to acquire the TMX Group (X). The whole thing is pretty much disgusting and the closure of the deal is being pushed every 6 months. Instead of giving a reasonable delay, like one year for example, the TMX prefer to treat foolishly its investors. Well, I am going to tell you, at this point, if the deal go through, I will be cashing in a 50$ per stock and if not, I will just keep TMX in my portfolio. TMX dividend is not exactly awesome, but is quite reasonable and X had earned great value this year. The TMX Group is not a very well manage company, but you need to take your chances on it like I did. But I wouldn’t recommend you to invest in TMX Group (X) at this time because its situation is far from being reasonable and stable. You can get better for your money.

Liberal MP Justin Trudeau: another Quebecker full of sh*t

For those are you who are strictly interested in this blog because of my wonderful super-powerful investment abilities, the following post is not for you. I must admit, the title of the present post has exactly the kind of PUNCH I am looking forward to have on this blog. Here are the facts: I am the anonymous blogger looking forward to provoke readers with my bad writing and a “graphic language”. I even prefer “coarse language”.

Your better stick to your words or I won't vote for the Liberal Party ever again of my life!

On the other hand, Justin Trudeau is a political figure who’s supposed to know how to behave publicly. However, seem like Justin Trudeau is opting for a provocative behaviour that is not ok for an MP to have. If you haven’t heard about what happen, you can read about it here.

Justin Trudeau doesn’t work hard for his money. No matter that he work well or not, he’s getting paid as long as he’ll be an MP. Look at his fresh face, wrinkles-free. I mean, that’s not the face of a hard working man who knows how to behave in the House of Common. Justin Trudeau has a baby face. The face of an immature man.

Do you really want an immature man to become the leader of the Liberal party? Come on!

You need to face adversity in loyal manners if you want to become a leader. Justin Trudeau should take example on Barack Obama. Gentle and kind, totally in control, but fight likes a bulldozer. Actions can change the world. Not bad words.

Justin Trudeau is desperately in need of attention. Desperately in need of media-people attention. Want to become a leader? BACK OFF. I don’t want a Quebecker full of what you can imagine to become leader of a federal political party.

Leave the coarse language to bloggers, Justin Trudeau. Learn by your mediocrity.

Welcome in my investment portfolio Agrium Inc. (AGU)!

Ok, I know, with this week pay cheque, I was supposed to convert Canadian dollars into US ones and following what, I was supposed to invest in a US blue chips. That was actually BEFORE the TSX began to drop some points AGAIN.

Because of my margin situation, I need to be very careful the way I handle my finance. I really need to add up to the value of my non-registered portfolio. That way, I decrease my chances to get a margin call or worst, having part of my precious portfolio sold out. I don’t have too many choices, I need to pay off my margin or invest in Canadian dollars. I decided to invest in Canadian dollars. That’s how I invested in some stocks of Agrium Inc. (AGU) at 67.20$. AGU closed today session at 67.13$.

A sign that this worldwide economy is in a real bad shape are the numbers coming directly from the U.K. Personally, I always taught of the U.K. as being one of the best economies worldwide. But seem like no one can go intact of this bad economy. According to the Globe and Mail, Britain’s unemployment rate hit its highest level for 17 years!

Too bad. Love those British people!

While having those things in mind, it’s important to adjust to the overall situation. It was a good idea to get more of those fantastic US dollars – I was certainly happy about the idea – but with those circumstances, I preferred to stick to Canadian stocks.

Sorry US dollars!

My investment made in Agrium Inc. (AGU) today is close to 1 000$. This amount only provides me a couple of stocks – even less than 20. But no matter how much stocks I hold of AGU now, AGU certainly bring a nice diversification in my maybe too pipeline oriented portfolio. Agrium Inc. (AGU) is a potash producer. The company announced today an annual dividend increased from 0.055$ to 0.225$. Nice, but Agrium Inc. (AGU) dividend is not exactly what I will name as being generous.

However, I think that Agrium Inc. (AGU) can bring a great deal in my investment portfolio.

Also today, Agrium Inc. (AGU) announced that measures had been taking for the company to increase its potash production of 50%. That’s quite something right there.

Overall, AGU chart is impressive. In the past 52 weeks, AGU lowest value had been of 63.93$ and highest 98.02$. I place my trade at 67.20$. At 67.20$, I am not that far away from AGU lowest value of 63.93$. There could be some volatility on this stock, but the try really worth it. Imagine if my stocks reached one day 100$! My investment in AGU could turn out to be very lucrative in the future.

Even following this new investment, my overall non-registered portfolio value is under the 110k. Sad but at least, I am still holding to a job. I am not from the statistic. At least for now.

Remember the name: XOXOX

Want to get another proof of Quebeckers very limited intelligence?

Ok, here we go again.

XOXOX.

XOXOXO is the person from Revenu Québec who’s currently reviewing my 2009 tax declaration. I have absolutely nothing to hide. I don’t have any problem at getting verified, but please, don’t act stupidly. I generally make 40k+ a year, quite not bad salary. The woman is going to get the hell of a job to do on my declaration because while living in Quebec province, I had been working at different jobs at the same time, on top of that, I had a mix of investment incomes, RRSP contribution, TFSA, I also had a little income coming from this blog. Absolutely EVERYTHING had been declared. Absolutely everything. I am clean. I am not into dope. 2009 had been quite a good year financially speaking.

I am not a cheater. I am not a liar. I am like that on this blog and as well as in life.

I am perfect, just like my investment portfolio is.

I am not that perfect actually. I cannot take any bullshit coming from Quebeckers!

I had received a letter from that lady asking me to get a letter from the insurance company I had at the time. It’s concerning my contribution to the Régie de l'assurance maladie du Québec (RAMQ). She wants to know how much the insurance company had contributed to the RAMQ. In English, you could translate the RAMQ by the provincial health insurance.

I unfortunately lived in Quebec province for many years and I know too well that their system does not worth shit! No want can actually came here and say that I am saying wrong about this! You really need to experiment Quebec mediocrity by yourself to have a real sense of what the shit is all about.

While living in Quebec for several years, I NEVER had the chance to benefit from the health system. I never been to the hospital, I never been able to find a family doctor, I NEVER had my annual check-up down, I NEVER went to the CLSC, I NEVER went to a Quebec hospital of my life, NEVER. I NEVER received any services coming from the Quebec provincial system.

I am very lucky, I am actually NEVER sick. I am a kick-ass investor and my “ass” is in good shape thank you very much. You don’t know what you read here until you get a real sense of what this whole blog is all about. It’s about money, it’s about power, it’s about being Canadian.

I don’t want to have anything to do with a province that is not loyal to Canada. Fact is, Quebec province cannot handle its provincial health system. I had paid for a service that I NEVER of my years living in Quebec been able to benefit. And now, those idiots of Quebeckers are asking me a proof that I had paid for a service that no one allow me to benefit!

What the hell!

Only Quebeckers can be that dumb.

The letter include my social insurance number. Not very intelligent to add in a letter my social insurance number.

What I am going to do is fill a complaint and ask why I am getting verified over a service I never been able to benefit. I am going to sue the poor Quebec government with a small claim just to really pissed them off. You’re not going to pissed on me but on yourself!

Quebec system is all fuck up. Living in Quebec was a total waste of time for me. The taxes are extremely high and on top of that, the social environment is crap.

To XOXOXO; go check the 2009 tax declaration of Brian Mulroney to see if he had steal money from Canadians once again!

Check declaration of criminals like Brian Mulroney but don’t after me playing it smart with you RAMQ.

I am not a criminal and the RAMQ had been paid by the insurance of my employer.

Stay away from Quebec province if not, the same thing could happen to you!

Want to get EXTREME about dividend investment?

I have this reader that I name in here as being the mountain lion hero (killer). You got to read about this one if you ever had. It happens that the mountain lion hero is quite of an interesting sophisticated investor.

One day, following the sending of what I will call “junk mail”, I asked him if he had anything related to stock to send me as info instead of his junk mail lol. It turns out to be a completely hilarious email from my part, of course. And I think he found it quite funny because the reply I got from him was just fantastic.

I did even worse than this once. A man sends me an email one day and without knowing more about him, I simply reply the following:

WHERE DO YOU LIVE AND HOW OLD ARE YOU?

:0)

This is exactly how I make male readers go crazy about me.

It’s not anytime soon I am going to show part of the beautiful me on the Web, so I have to find away, other than money, to get the attraction and interest going.

Ok, so here we go. Are you ready?

I am just going to copy and paste the fabulous content. I don’t feel like writing much, I didn’t have breakfast yet.

The hot stuff is in here:

“OK my girl.....check this out....

Call these up and look at the yield: (HEE) (HEJ) (HEX). These are "Covered Call" ETF's. The yield varies from month to month.........Highest yield yet was for (HEJ) in November 36% (yearly)

Don't jump in until you study how they work for a few months

Here is my tracking on (HEE)

Horizons Enhan. Inc En (HEE) Monthly Dividend paid shown below
Nov $1.56/yr (21.09%) or $0.13011 for just that month
Oct $1.66/yr (21.58%) or $0.13886 for just that month
Sept $1.59/yr (21.06%)
Aug $1.42/yr (18.81%)
Jul $1.50/yr (19.87%)
Jun $1.46/yr (19.34%)

Here is my tracking on (HEJ)

Horizons Enha. Inc. Intl. (HEJ) Monthly Dividend paid shown below
Nov $3.50/yr (35.55%) or ($0.29135) for just that
month
Oct $2.77/yr (26.88%) or ($0.23112) for just that
month
Sep $0.92/yr (16.21%) or ($0.07639) for just that
month

Note: the yearly dividend amount is theoretical and is 12 x the actual dividend paid for that month so:

(HEJ) paid $0.29135 for the month of November so for theoretical yearly numbers multiply this by 12 and this gives us numbers that can be compared to other stocks and ETF's - all of which are shown for a year.

The calculations have to be performed each month because of different cash payouts each month.

Here is the website to explain how the energy one works: “Horizons Enhan. Income En. ETF (HEE)”:

http://www.theglobeandmail.com/globe-investor/markets/stocks/summary/?q=HEE-T

Go here to see ALL Horizon dividend payouts to compare (it's an address not a link - you will have to copy it and paste it to the address bar in your browser)

http://www.theglobeandmail.com/globe-investor/news-sources/?date=20111020&archive=cnw&slug=C6232

The rest of his email was regarding his junk content he had sent previously. But just if you want to know:

“"Meat Glue" itself isn't unhealthy.......But when it's used to make a "pretend" steak you must cook it to at least well done or the bacteria trapped inside could survive and you could get sick from that.”

Meat glue is scary.

What do you think about the stuff of the mountain lion hero? Pretty impressive isn’t?

His ETFs are in US dollars.