My net north is now at $222 942.87

It's nice to see the TSX hitting in the 16 400 points direction! In those great times, I estimated my net worth to be in the $223 000, an increase of $6 000 compare to March 1th at the time of my last portfolio update. My non-registered portfolio closed this past Friday session at $125 877.48, my TFSA portfolio at $70 941.14, my RRSP portfolio - stocks only at and my US only stock portfolio at $3 283.41 US. I just had posted an update of my portfolio update, and I was almost right! My current net worth is now at $222 942.87, not too bad. I had posted the portfolio update earlier today.

Another good thing I did this afternoon is paying my federal and provincial taxes for 2018. The amount was quite sustainable, almost $2 000 all mix together. But this is really nothing. In 2018, my income had been in the $70 000. I wanted this to be taking care of now before my vacations in New Brunswick, which are coming in a hurry and I can't wait. Spring is giving me an energy boost. Winter had been rough and the warmer weather is quite nice. I spent a big part of my Sunday afternoon browsing the screens of Stockopedia. Sometimes, I can search for stocks on Stockopedia, but for a reason or another, I won't find anything interesting. But today was quite good, a few stocks came my way.

Here's the result of my today browsing on Stockopedia. Consider this as a "first draft", not as a final serious list of potential stocks to invest in. I have highlighted in yellow the stocks that I feel that could eventually be a good fit for my portfolio:

Ag Growth International Inc. (AFN)
Viemed Healthcare, Inc. (VMD)
PFB Corporation (PFB)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
GDI Integrated Facility Services Inc. Subordinate Voting Shares (GDI)
Waste Connections Inc. (WCN)
Killam Apartment Real Estate Investment Trust (KMP.UN)
Great Canadian Gaming Corporation (GC)
Alimentation Couche-Tard Inc. Class B Subordinate Voting Shares (ATD.B)
Magna International Inc. (MG)
West Fraser Timber Co. Ltd. (WFT)
Medical Facilities Corporation (DR)
Middlefield Healthcare & Wellness Dividend Fund (HWF.UN)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
SmartCentres Real Estate Investment Trust (SRU.UN)
Tricon Capital Group Inc. (TCN)
Winpak Ltd. (WPK)
Hardwoods Distribution Inc. (HDI)
Newgrowth Corp. Class A Capital Shares (NEW.A)
WPT Industrial Real Estate Investment Trust (WIR.U)
Valener Inc. (VNR)
First National Financial Corporation (FN)
Gildan Activewear Inc. (GIL)
Kirkland Lake Gold Ltd. (KL)

I had invested in ATD.B in the past, so I won't be investing in it again. Currently, Winpak Ltd. (WPK) has all my attention. I wouldn't like to invest in some REIT or financial stocks at this time.

My debt situation on date of April 5, 2019

Margin account: $47 007.34 @ 5.50%
Annual interest: $2 585.41

On date of April 5, 2019

*For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

My investment portfolio on date of April 5, 2019

Cold cash: $695.89

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11 043.75

Methanex Corporation (MX): $8 202.92
Fortis Inc. (FTS): $6 176.44
Pembina Pipeline Corporation (PPL): $31 613.40
Corby Distilleries Limited (CSW.A): $2 495.60
iShares S&P/TSX Capped REIT Index (XRE): $2 921.38
New Flyer Industries Inc. (NFI): $3 683.11
TMX Group Inc. (X): $690.96
K-Bro Linen Inc. (KBL): $3 750
WesternOne Inc. (WEQ): $21
TransCanada Corp (TRP): $1 534
Canadian National Railway Co (CNR): $10 849.50
Enbridge Inc. (ENB): $16 104.40
Emera Inc. (EMA): $1 261.25
BCE Inc. (BCE): $1 313.84
Saputo Inc. (SAP): $1 826.40
Lassonde Inc. (LAS.A): $1 700
Loblaw Companies (L): $798
Savaria Corporation (SIS): $6 974.98
ATCO Ltd. (ACO.Y): $2 793.60
Jamieson Wellness Inc. (JWEL): $1 897
WSP Global Inc. (WSP): $3 651.50
Aecon Group Inc. (ARE): $1 791
Aphria Inc. (APH): $2 686
George Weston Limited (WN): $97.45

TOTAL: $125 877.48

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 642.24
General Mills Inc. (GIS): $1 627.84
Cash: $13.33

TOTAL: $3 283.41 US: $4 379.08 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $915.25
CT Real Estate Investment Trust (CRT.UN): $1 437
Canadian National Railway Co (CNR): $4 822
Exchange Income Corporation (EIF): $34.39
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 725.20
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 261.50
Andrew Peller Limited (ADW.A): $2 225.30
Hydro One Limited (H): $2 192.40
Toronto-Dominion Bank (TD): $1 497.80
Boyd Group Income Fund (BYD.UN): $4 440
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 475.50
Data Communications Mgmt (DCM): $7.62
Morneau Shepell Inc. (MSI): $2 475
Royal Bank of Canada (RY): $4 135.20
Park Lawn Corporation (PLC): $1 537.20
Toromont Industries Ltd (TIH): $2 776.80
BCE Inc. (BCE): $537.48

Northview Apartment Real Estate Investment Trust (NVU.UN): $4 287
Sienna Senior Living Inc. (SIA): $1 508.80
Boralex Inc. Class A Shares (BLX): $764
Richelieu Hardware Ltd. (RCH): $1 018.90
Savaria Corporation (SIS): $949.90
Northland Power Inc. (NPI): $2 335
Calian Group Ltd. (CGY): $2 471.60
BMO Bank of Montreal (BMO): $2 043.60
Canadian Utilities Limited (CU): $1 564.08
WSP Global Inc. (WSP): $1 825.75
Granite Real Estate Investment Trust (GRT.UN): $635.40
Cargojet Inc. (CJT): $2 329.57
Nutrien Ltd. (NTR): $3 615

TFI International Inc. (TFII): $3 341.60 
Canadian Imperial Bank Of Commerce (CM): $3 282

SIR Royalty Income Fund (SRV.UN): $1 296.80 

Cash: $163.58

TOTAL: $70 941.14

RSP investment portfolio: 
Emera Incorporated (EMA): $14 226.90
EnCana Corporation (ECA): $1 033.56
Toronto-Dominion Bank (TD): $2 246.70
Telus Corp (T): $2 477
Royal Bank of Canada (RY): $2 067.60
Savaria Corporation (SIS): $2 741.14
Thomson Reuters Corporation (TRI): $2 817.36
Park Lawn Corporation (PLC): $5 124
Richards Packaging Income Fund (RPI.UN): $1 265.55
Toromont Industries Ltd (TIH): $485.94
CAE Inc. (CAE): $2 100.70
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3 227.35
Boralex Inc. Class A Shares (BLX): $955
Quebecor Inc. (QBR.B): $811.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $305.62
Brookfield Renewable Partners L.P. (BEP.UN): $798.95
Cash: $233.20

Total: $42 917.82         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 945.21

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 342.86              

Manulife Fidelity NorthStar GIF CAP B: $1 247.76
Manulife Simplicity Growth Portfolio: $1 406.27
Maritime Life CI Harbour Seg Fund: $1 229.18
Maritime Life Fidelity True North Seg Fund: $1 642.80
Manulife GIF MLIA B World Invest: $1 258.42
Total: $6 784.43

Other various: $12 951.55

TOTAL: $68 021.62

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

On date of April 5, 2019
$269 950.21

My non-registered portfolio closed today session at $125 610.02

This is not an April fool post! For real today, my non-registered portfolio closed today session at $125 610.02. Fact that the TSX closed over the 16 200 points is helping. Bank of Canada won't increase the interest rate. It's the right move, knowing that what investors are obsessed about right now is the upcoming recession, what may come we just don't know when. Some we are facing some rough time with China, that they won't buy our canola oil... this is going to hurt many Canadians, especially if China can buy their canola oil from another country. I guess there are many producers of canola oil worldwide, this cannot be just a Canadian thing. With the upcoming elections, I am seeing more negative than positive things going on. Too often, the TSX often has an opposite feeling, like for today, where she decided to pop it up over the 16 200 points. I am not going to complain.

Currently, it's now official, my investment in Pembina Pipeline Corporation (PPL) is now exceeding the $31 000 value. Following some announcements, SIS and PLC had closed the day on a trading halt. SIS had been on a rough path, it's that it had hit the $20 per stock value, but now the stock is trading lower. However, I am on a really good capital gain on this one. Who knows for sure, maybe SIS will open on a positive note tomorrow morning. As for Park Lawn Corporation (PLC), PLC had been sitting my portfolio since now 2016. Time is flying by too quickly! People die and need a funeral, and other related services. For that reason, and since baby boomers are not getting younger, business is "booming" for PLC. Services in that sector can be quite expensive. I am very proud of having PLC in my portfolio, it's among those stocks who are shining like a diamond to simply make me look good. Being able to find this stock on Stockopedia had been a blessing. It's the reason why I just keep searching for stocks on Stockopedia because you never know what I may be able to find next. Its a search that will simply never end: the search for my really next best investment. But this game is just getting harder and harder knowing all of the good stocks that I hold: ENB, CNR, PPL, PLC, TIH and many many other.

Don't listen to what Nigel D’Souza of Veritas Investment Research has to say

I am surprisedd, by this, but my non-registered portfolio closed this past Friday session at $124 525.99, my TFSA portfolio at $70 170.81 and my RRSP portfolio - stocks only - $43 275.60. I think this is the highest value ever registered for my RRSP stocks portfolio! I am surprised overall by those good results because the TSX didn't close on a positive note. Its why I am surprised to see my non-registered portfolio closed to the 125k. I am usually on that spot only when the TSX is in good spirit. But no problem, I am taking those great results. I however have a few bad things going on.

It looks to me that my bank stocks are on a lower note in my portfolios. Got to thank a little loser who's making people panicking and selling those precious bank stocks just because Nigel D’Souza is saying so. And the worst thing is that the organization he's working for,  Veritas Investment Research, is based... in Toronto. So we are not even talking here about a complete US idiot like Marc Cohodes, who had publicly bashing a Canadian jewel, Exchange Income Corporation (EIF), and making it fall. We are talking here about a Canadian citizen working for a Canadian business who is beating up our banks! 

Fact is, no one - including me - can always be on top of their game. Market fluctuation happens, Canadians hold a lot of debt, and we are currently waiting for the next recession to happen in this country. Back turns is naturals and normals. But we shouldn't push it. Nigel D’Souza decided to be on the same side as Marc Cohodes: an enemy to the good wealth of this country. Currently, things are not top-notch, why does media are actually paying attention to what Nigel D’Souza has to say. Even Amber Kanwar of BNN The Open talked about this on national television. Amber Kanwar decided to pay attention to Nigel D’Souza - I guess she has her script to read - but I am smarter anyway.

Sure, this is not the perfect time to buy Canadian stocks. There's a lot of insecurities going on. Even in my 3 portfolios, I see that bank stocks are down. But hey, Canadian banks are great dividend stocks and they pay well, and their dividend is secure AND increase over time. Dealing with a bad turn is not exactly a bad thing either. It's the perfect time to buy stocks who are usually really expensive. Your asset will temporarily suffer, but the inner self doesn't change no matter what. And this means that, if the vlaue of your bank stocks may go down at some point, it doesn't change this: Canadian stocks are a great stock to hold inside a portfolio. Stocks bank are like anything else, you can have some in your portfolio, but don't concentrate all of your assets in them.

Currently, you could see Nigel D'Souza as a traitor to the Canadian nation, nothing less, just like Marc Cohodes had been with Exchange Income Corporation (EIF). A manipulator and a cheater. And a poor man.

In life, you need to be smart enough to target the good people from the bad. If you don't have that ability, you'll end up listening and wasting your time with the wrong people, and you'll end taking really wrong decisions, like selling now your bank stock, while their value is down.

This being said, I have my eyes on JWEL, which is only now at a gain of 0.56% in my non-registered portfolio. Funny thing being that SIA is on a gain of something like 4% in my portfolio while I had been thinking of selling it to pay down my 2018 taxes, which I didn't pay yet. I have my Easter vacation coming up so I can quietly escape from it all, at least for a few days.

What you should really do with your 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package

Do as you wish with the following advice, but I am simply telling you what I personally do with that paper piece of shit! Of first of all, you need to know that this 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package is being sent from directly from a tax heaven paradise: Bermuda! 

And here is the complete address:

Brookfield Infrastructure Partners L.P.

73 Front Street, 5th Floor

Hamilton, HM 12, Bermuda

And here it what it's looking like. It's not looking like there's a 5th floor to any of the building that is closed by. And I cannot see the 73 Front Steet. At 73 Front Street in Hamilton, Bermuda, we don't have anything related to Brookfield Infrastructure Partners L.P., but we have a nice bike store, Winners Edge Bike Shop. And on the other side of the street, you can see a super huge cruise ship. It's part of the reason why I am not taking that 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package seriously.

Secondly, I am a Canadian, not a US citizen, fuck US. I won't provide any information on myself to the US, that's for sure.

Third, this 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package had been send through the regular mail. I didn't sign something to received this letter. Nothing proof that I had received it or not so guess what, I had decided that I didn't receive it (I know, I am a really bad girl). Sorry, I didn't know. I never received the 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package. I never heard or read anywhere about that 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package. I know f off about it! ;-) Lie, lie, lie.

Fourth, on the first page in bold, I have the following:

Non U.S. resident unitholders may not require the U.S. Tax Package.

Ok, well, you know what? I am not a U.S resident (thank God!), and I decided that I do not require the U.S. Tax Package. It's all I have to say about the 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package.

Its the tax season again, be careful with the information you provide

A few years ago, I used to work in the Ottawa area and I actually worked for Elections Canada, through an agency. It wasn't well paid. Actually, while I was in Ottawa, I have never been able to find a well-paid job. I wasn't making much from one single job, but fuck it, I was working at 3 jobs at the same time and money was yes entering, but it was a crazy time. During that time, I worked for Election Canada for a few weeks, it was during the election of Stephen Harper. Some people were voting while being in the US or overseas, that's the kind of files I had contact with. I was amazed by the amount of confidential data people were giving out. Some details were not even needed, but I guess that because it was received by the government, people were confidence and were disclosing more information than needed. 

During that time, I could have stolen personal information really easily, none of us were really checked out. There was no control of workers, meaning that I could walk out with a few files in my backpack and no one would have noticed. I was actually not impressed by my time to spend in Ottawa. I found Ottawa being extremely superficial city, expensive, and actually quite boring. I didn't like it much because everything happens in English there. And I don't like English despite blogging in English. I don't like to live in English, its all so out of roots and an impersonal language.

The time I spent working at Elections Canada served me, in the sense that I know how important it is to protect our personal information. The tax season is another time when you need to disclose important information to another party (accountant) in order to have your tax duty done and completed. There's information that your accountant doesn't need to know in order to do its job:

-the name of your broker, and its address, phone number

-your account number

-the name of the stocks you hold

TD Waterhouse offers the eService - which is easy to access and select 2018 for the tax papers. You print it all. Once printed, take a black marker and cover-up: the broker name and address, your account number, the same of the stocks you hold. Once you're done, produce a photocopy of each document. Verify each photocopy closely because sometimes, even if you had to use a black marker to cover up, you'll be able to read the info cover in black if you put it on a light. If it happens, use a pen, and dar a bunch of lines to cover the dark in the front AND back of the sheet.

Once done and completed, no one should be able to see fuck off. And now, the good news is: you are a now smart ass like the Dividend Girl! Look at you.

While proceeding with your tax, always declared everything related to your stocks. Because if you don't, the government will get back to you. The federal knows everything when it comes to your stock portfolio. If you don't declare the dividend earns inside your non-registered portfolio, f you don't declare capital gains made after you sell stocks inside your non-registered portfolio, even if you don't declare those informations, the federal knows it. and all this make it strange having to do a tax declaration when the government already knows everything but go figure. When it comes to investment, what you do inside your TFSA and RRSP: you don't need to declare anything in terms of earnings. What matter is your non-registered portfolio. You need to declare the dividend earns inside a non-registered portfolio, as well as the capital gains made following the sell of stock inside a non-registered portfolio.

My newest find on Stockopedia: PFB Corporation (PFB)

I was expecting something more coming from the TSX this past Friday, but good times on the stock market comes and goes, but I am always ready when it's showing up. Today wasn't actually a bad day at least, it's just that the TSX is having a hard time to jump over the 16 200 points value. The 16 100 seems to be the new normal in today market. My non-registered portfolio closed today session at $123 792.59, my TFSA portfolio at $69 874.97 and my RRSP portfolio, stocks only, at $42 602.34.

My latest investment, SIR Royalty Income Fund (SRV.UN) is on a gain of 1.48% inside my TFSA portfolio. While investing in a stock, I always wish for the best of course, but I am surprised with that 1.48%. I was more thinking of SRV.UN as cash dividend provider and as a calm stock soldier. I explained the calm stock soldier thing in that post. But it seems like SIR Royalty Income Fund (SRV.UN) is willing to do it's really best to impress its mommy. And mommy is proud!lol I am the mother of many many children. Now that SRV.UN is a killer stock and is now business as usual and integrated in the whole house, now, I am ready for my next investment. I spent sometimes on Stockopedia this weekend and I was able to find a new interesting stock: PFB Corporation (PFB). 

While browsing for stocks on Stockopedia, I mostly go through all of the screens, just to make sure I am not missing out on anything, and sometimes, I just go by StockRank or other search criteria. It's hard to believe but it seems like I am all alone in Canada, enjoying Stockopedia... But it's not a secret anymore to no one - at least for those how are smart enough to read my blog - that Stockopedia is a great tool for anyone willing to find great investments by their own. 

No more need to wait for Jean-François Tardif brand new stocks, the poor man and his unfamous JFT Strategies Fund (JFS.UN) hasn't delivered in ages anyway. With Stockopedia, you need no one, not even me, to find great stocks to invest in. However, I encourage you stay, just in case I would come with THE greatest find of all. All of the stocks that I found on Stockopedia. And the magic trick being: while being browsing on Stockopedia and while facing a good deal: will you be smart enough to recognize the beauty of your newest finding? While facing perfection, will you be able to recognize it? You don't really need to answers those questions. You just have nothing to worry about because my thing is to post about stocks that I find using Stockopedia. It doesn't take any financial knowledge to be able to recognize the good stocks from the bad ones, it takes only some common sense, but even common sense if a quality that is getting rare in our modern world, and that especially something you notice while living in Quebec province: the lack of general intelligence. I could come up with many many examples of why of that, but I think my latest post speaks for itself. And if you are just smart enough, you'll quickly understand that I never get enough of new stocks. I just get really happy and excited when I find an unknown stock that seems to be just perfect for me. I pitched it right on my post title, no time to waste. My newest finding made on Stockopedia is: PFB Corporation (PFB). You won't hear of that stock anywhere on the Web, at the expectation on my blog!

PFB Corporation (PFB) is a nice little one, but what bothers me is that the stock didn't gain yet is pre-2008 stock crash value: (click on the pic to see more clearly):

I don't see in PFB the stock of my life, but I like the stock. It would make a good pick, but only for a little investment. Its getting harder and harder to find some new exciting stuff to invest in.

My tax season is over, but I don't know for sure if I am out of trouble yet. I received a call from Impôts Ici this past Saturday, after completed their survey, but even if I didn't request a callback, I was called back, they actually called two times, once on Friday, and another time Saturday morning. When I answered I was told some bullshit. In the survey I completed, I wrote that, since I had found two mistakes in my tax declaration, I would have appreciated that they had proceeded with a completed review before sending the forms. The guy who called said that the review had been made when they entered the corrections - which is impossible because it took less than 5 minutes for the correction to me made and for the papers to be print. I wasn't really impressed by their poor services, but I wasn't expecting more coming from Quebeckers. No matter what, outsiders shouldn't visit Impôts Ici for their income tax.

My non-registered portfolio on the $125 000 value

Lightspeed POS Inc. (LSPD) decided to perfrom good again today, but I didn't place any trades on it today. But Ichecked it from time to time, how knows if I will try another day trading move on that one. At this point, LSPD doesn't have anything I am looking for as an investment, that stock is only an investment to play on for day traders.  My non-registered portfolio closed today session at a good $125 267.36. This is among the first time that I had been in the $125k value for my non-registered portfolio - its the only reason why I am writing this blog post right now. I hope tomorrow will be another good day for the TSX, that way I will be able to publish a portfolio update. I may be able to hit in the $223 000-225 000 net worth, if lucky. And lucky I am.

Belive it or not, Derek Foster's General Mills Inc. (GIS) US stock is gaining 8.69% in my US portfolio - it took a really long time for this little one to generate some capital gain. My US portfolio, I don't ever really write about it because it only contains two stocks - closed today session at $3 250 US. My TFSA portfolio closed today session at $69 930.5, and my RRSP portfolio - stocks only - at $42 300.96.I think its the first time ever that my RRSP stocks portfolio is on the $42 000 value. So that's quite good too. Fun thing with stocks is that if you pick the right ones, your asset grow over time and it make it easier and easier over time to reach the big bucks. If I can get a good stock situation this year for the TSX, I could easily be on my way for a $250 000 net worth - if not more. 

Currently, I am looking fro stocks involved in the health sector - I don't have any stocks in that sector. I would also like to invest in a stock involed in water treatment and environment - but I find those stocks to be hard to find. This is going to be my little project on the side with Stockopedia for the weekend.

In my TFSA portfolio, I am thinking about selling my investment in Sienna Senior Living Inc. (SIA), but I am not sure yet. Its about all for now. If I need to sell something in order to pay my 2018 taxes, SIA will be the one that I will be selling.

My tax declaration for 2018 is now completed

I got my 2018 tax declaration done this evening, but it wasn't without any pain. About two days ago, I received an email saying that my tax declaration was now completed and that I could go get the papers at any time. I manage to have that done today. As soon as I got the declaration in hand, I check if my financial fees were correctly declared. And as I expected it, it hasn't been entered.

It had been checked as being entered by the accounting on the paper, but it hasn't been entered in my tax declaration. The amount was quite important and as I notice the mistake, I immediately asked to have it fixed, especially since that I had paid for the service as soon as I stepped inside. I was told that I need an appointment with the accountant. I had to explain that it was a mistake from their part and they need to have it fixed now, since I had already pay for the tax declaration. I managed to get their mistake fix. That brings the amount that I needed to pay back in taxes from $4 856 to... $2 996. 

Following what, I walked my way back home, I stopped at a coffee shop and made my way back home. Once home, I had the really good idea to verify my tax declaration. Its when I had found a second big mistake, that time was with the amount of dividend income that was declared for 2018. I called myself a taxi to hit back to the accounting office. I was quite upset. They had fix again their mistake. That time, the amount I have to pay back in taxes (federal and provincial) went from $2 996 to... $2 049.

At first, $2 049 may seem as being a big amount to pay back in taxes, but I don't if you remembered my investment year of 2018: I made several thousands of $$$ in capital gain by selling RNX and PBH, among other things. 2018 was the year when I decreased my margin account usage from $100 000 to less than now $45 000. $2 049 is a really small amount to pay back in regards to everything that been positively accomplished in 2018. I am not upset about the fact that I have to give back $2 049 in taxes to the federal and provincial government, but I am however pretty upset on how Impôts Ici completely fuck up my tax declaration this year. I am certainly not going to deal with them next year, that's for sure. If I continue to review my 2018 tax declaration, I am pretty sure that I am going to find other mistakes. I am not a specialist, so it's quite difficult for me, trying to figure out if more mistakes had been done or not from Impôts Ici, as I am working on impressions and comparisons to my 2017 tax declaration.

This is how it goes with Quebeckers, always so pure incompetent. Always double check everything with them. It's the number one rule for outsiders trying to survive in Quebec province.

My feelings are always right. I didn't get myself that $220 000 net worth out of poverty because I am an ordinary girl. My intuition is my best tool and I always obey it. I knew, even by entering Impôts Ici door that I had to check if my financial fees had been probably declared. I just knew it. This year, they probably made new hiring and there must be a new accountant that shouldn't be working there. I never had any problems with Impôts Ici before, but this year had been quite catastrophic and it had made lose my precious time. It's now past 10 pm and I didn't even have time to check out on my precious stocks. Quebeckers are quite good at this, making lose my time and my temper. And trust me, you don't want to be there when it happens, give me what I ask or just be ready to see how evil and mean I can be. No matter what happens, I will always be the last one standing. At the end of the day at least, I only have $2 049 to pay back... and not $4 856. It had worth the fight.