Last week, Dan Mac from Dividend Growth Stock Investing sent me an email to participate in a “group post” where he compiles answers from many bloggers. He asked us a couple of questions (what is your best dividend stock? and what is your best investment advice?). I gladly participated and shared my answers. When both posts are live, I’ll link to them. In the meantime, I wanted to go deeper into the answer I gave him with regards to the #1 investment advice. He actually asked for advice for beginner investors but I think mine would apply to all investors. But before I share my advice with you, let’s rewind several years ago when I started investing.


    How I Started Investing


    I started investing 10 years ago… man time flies! I was 23 at that time. I just finished my bachelor degree in finance-marketing and got a job in a bank. I still remember the face of my banker when I ask her for a line of credit. It was right after getting my job; I didn’t have a paystub to give her as I was too eager to start trading. Yup… I asked for 20K line of credit to leverage everything and invest in the stock market. I actually told my banker it was to get married, but that’s another story ;-).


    At the beginning, I didn’t plan on using the full 20K. My goal was to borrow 3K and buy shares of Power Corporation (TSE:POW), the biggest Canadian conglomerate. It was like buying shares of a small (very teeny weeny small) Berkshire Hathaway. My girlfriend, who became my wife a couple years later (see, I didn’t completely lie to my banker!), wasn’t too excited about borrowing $3,000, which was about a month’s worth of salary, to “spend it” in the market. She didn’t use the word “invest”, she used the word “spend”. As if buying shares was like buying clothes, as it had no value since it was very risky.


    So I opened an online brokerage account, withdrew $3,000 from my line of credit and bought shares of POW. The investing plan was simple: the dividend paid by POW was more than the interest charged to my line of credit – it was a risk-free investment. Then, after a few weeks, I thought that buying one stock and looking at it going up and down each day was kind of boring. My investment return was tied to a single stock where I had no control over it. I wanted to trade more but didn’t have any money. This is why I withdrew another $5,000 to buy shares of two other companies. My three investments were up over a short period of time. This is where I realized that I could make lots of money on the stock market. Within the same month, I withdrew the remaining of my line of credit and had $19,500 invested in my brokerage account.


    Things went well… in fact very well. Within three years of trading (from the end of 2003 to 2006), I had over 50K to put down as cash for my house. All profits from trading. I was featured in the Globe & Mail for my awesome returns. I thought I was a wiz buying low, selling high and always looking for the next trade.


    Then I Learned I Wasn’t Investing


    What I was doing at that time wasn’t called investing. I thought it was but it was more like gambling than anything else.  But I realized that only the moment when I lost money with a trade. I guess it’s the only way to understand something; when it hurts!


    We are now in 2007, I’m taking more and more risk with my investments since I make more and more money. I flip stocks within months, sometimes within weeks. I’m halfway through my year and I’m +71%… as I said before, I’m a real investment wiz. This was until I decided to put almost all my money at that time (remaining 10K after I bought my house) in a single stock going for the homerun. Instead of skyrocketing, the stock (a junior mine) plummetted by 50% upon bad results. I still remember when I noticed the drop. I just had a good lunch with a few colleagues and looked at my computer to start the afternoon. At first, I thought it was a split… but why in hell would a penny stock split? It took me a few minutes to read more news about the company and realized that I had lost a real $5,000 in this transaction. Needless to say that I had hard time breathing! The stock market doesn’t always go up. Sometimes it tanks!


    What Was My Biggest Mistake During the Whole Time?


    This whole story leads to my #1 investing advice for any investor. Young investors make the same mistake as I did but I believe that many more experienced investors miss the same point as I did. After all, it took me 4 years to realize that I wasn’t investing properly. I even bought a house with my trading profits; this is far from being an investment horror story. Nonetheless, I would have avoided losing money on a penny stock if I didn’t make this mistake.  I didn’t take the time to follow an investing strategy.

    My biggest mistake was to go from one trade to another, to buy and sell stocks upon rising profits without ever really thinking of where I was going with my money. The goal was simple; buy stocks, sell them when they are high and pick another later on. I had absolutely no investing strategy to back my trades or explain my portfolio.


    It Took Me Three Years to Build a Solid Investing Strategy


    After being burned by a lack of methodology in stock picking, I didn’t trade much. We had two kids (2005 and 2007) and I started my MBA. I just didn’t have time to take care of my portfolio at that time. I had a few funds during that period as I just couldn’t find the time to manage my portfolio. On top of that, I was quite frustrated by how my trading experience was going.


    In 2010, I bought this blog as I was interested in dividend investing. I started my learning process in how to identify and select strong dividend payers and built my portfolio according to this premise. I’ve tried a few trades and kept reading about the topic. I am now, more than ever, convinced that a dividend stock portfolio has better chance to beat the market. But it took me three years to clean up my portfolio and establish a solid investing strategy.


    I had to play around with stock filters, look at the ratios I want to use, the dynamic between stocks within my holdings and how it performs on the market. Since 2010, all my new dividend picks were good trades. I stuck with dividend investing up to a point where I now own 100% dividend stocks in my portfolio… and I’m doing well again on the market.


    My #1 Investment Advice


    So my #1 investment advice is quite simple but very powerful: take the time to establish your investing strategy. Put it in writing and understand why you buy, hold or sell a stock. Don’t trade because you read something in the newspaper or because you panic. Sell because the stock doesn’t fit your investment strategy anymore.


    The benefit of having an investment strategy is often to design the limit of your risk within your portfolio. With such limits, I would have never gambled all my money in one trade based on the hope that exploration mining results would be awesome. Sure, this trade could have multiplied my portfolio by 20, but I lost 50% instead.


    With the portfolio I’m currently building, such an event will never happen. I don’t invest based on hope anymore, I invest based on solid financial ground with companies paying strong and increasing dividends year after year. This is how I can make money from the stock market without having to spend 4 hours per day reading the news!


    I’d like to know how much time you have put into your investment strategy. Did you even put it in writing? 

    18 Comments   |   Read more >


    Each year, the Aristocrats lists are updated. The dividend aristocrats are a group of US companies showing 25 consecutive years of dividend increases. When you think about it, only the strongest companies can make this list. In order to be part of this elite group, a company must be in a good position to increase both their sales and earnings year after year on a very consistent basis. If one fails to do so, it will quickly become impossible to raise its dividend. Canadians also have their dividend aristocrats, but the criteria used for selection is fairly different.


    Canadian Aristocrat Requirements

    In order to be considered a S&P Canadian Dividend Aristocrat, the company must have increased its dividend payout every year for five years but have a free pass and is still eligible if the company maintains the same dividend payout for a maximum of 2 years. Therefore, we are looking at stocks that have a good potential for raising its dividend but still pretty far away from 25 consecutive years.

    The Most Important Rule

    Along with the main rule, the stock must also have a minimum market capitalization of $300M and have increased its dividend in the first year of the prior five years reviewed for dividend growth.


    As you can see, it’s not “that difficult” to qualify for the Canadian Aristocrats list. But the Canadian stock market is less diversified and we don’t have an economy promoting behemoths such as Colgate-Palmolive (CL) or Procter & Gamble (PG). Still, they are pretty solid dividend payers.


    Here’s the current list of Canadian Aristocrats:

    *The list is provided by Dividend Stocks Rock

    Market Cap
    DVD Yield
    EPS Basic
    DVD Growth
    AGF.B.TOAGF Management Limited1$B9.2135.52302.22-22.44-8.156.72
    ACO.X.TOAtco Ltd.6$B1.6614.3355.989.175.959.8
    BNS.TOBank of Nova Scotia78.2$B3.9812.3550.5511.0512.754.48
    BCE.TOBCE Inc36.4$B5.2718.39104.720.252.9326.13
    BDT.TOBird Construction Inc0.6$B5.6247.56263.47-285.089.26
    BYD.UN.TOBoyd Group Income Fund0.5$B1.42#N/A-233.2911.8917.9572.11
    CAE.TOCAE, Inc.3.9$B1.6221.7623.11-2.098.1336.56
    CCO.TOCameco Corp10.5$B1.5132.9849.66-8.752.2410.76
    CNR.TOCanadian National Railway Co51.5$B1.6120.0627.729.374.5113.33
    CNQ.TOCanadian Natural Resources Ltd43.2$B2.2619.1223.04-6.65.2420.26
    CP.TOCanadian Pacific Railway Ltd29.8$B0.8234.1827.894.874.467.18
    REF.UN.TOCanadian Real Estate Investment Trust3$B3.7535.6493.961.884.813.59
    CTC.A.TOCanadian Tire Corp7.6$B1.7614.420.788.485.2611.43
    CU.TOCanadian Utilities Ltd10.4$B2.6918.5930.664.9147.84
    CWB.TOCanadian Western Bank2.8$B2.1514.5734.518.2613.9910.76
    CCL.B.TOCCL Industries Inc.3$B1.0731.3728.3915.579.718.96
    CGX.TOCineplex Inc2.6$B3.4331.46105.4719.146.632.6
    CCA.TOCogeco Cable Inc.2.7$B2.1814.0327.276.729.4721.06
    CGO.TOCogeco Inc.0.9$B1.7112.6771.0920.4910.5922.1
    CMG.TOComputer Modelling Group Ltd.1.1$B2.5942.74106.6623.5319.6426.19
    CSU.TOConstellation Software Inc.5.5$B1.7255.7292.7240.3626.4181.15
    CJR.B.TOCorus Entertainment, Inc.2$B4.287.9225.234.290.416.89
    DII.B.TODorel Industries, Inc.1.2$B3.5620.1368.4-14.14-0.3316.16
    EMA.TOEmera, Inc.4.7$B4.3320.4691.135.4110.867.92
    EMP.A.TOEmpire Company Limited3.8$B1.5813.0121.863.314.727.78
    ENB.TOEnbridge, Inc.40.8$B2.8590.6209.86-21.2815.3313.81
    ENF.TOEnbridge Income Fund Holdings Inc1.4$B5.2816.36#N/A5.45-30.83N/A
    ESL.TOEnghouse Systems Limited0.9$B1.1434.9429.2431.9527.6823.73
    ESI.TOEnsign Energy Services Inc.2.6$B2.7917.2744.83-2.66.855.67
    ET.TOEvertz Technologies Ltd1.3$B3.7722.07268.61-5.543.0331.06
    EIF.TOExchange Income Corp0.4$B8.0249.22399.48-5.2545.562.22
    FTT.TOFinning International Inc.5.1$B2.0515.330.6528.672.436.8
    FTS.TOFortis, Inc.6.7$B4.0918.358.694.566.17.91
    FNV.TOFranco-Nevada Corp8.6$B1.3139.63#N/A#N/A165.54N/A
    MIC.TOGenworth MI Canada, Inc.3.5$B3.759.68345.031.91N/A
    GS.TOGluskin Sheff & Associates, Inc.0.9$B2.5910.5293.274.383.417.08
    HLF.TOHigh Liner Foods Inc0.7$B1.5723.0633.6823.1910.8223.8
    HCG.TOHome Capital Group Inc1.5$B1.4711.8214.618.7816.5316.65
    IGM.TOIGM Financial Inc.13.3$B4.0717.4471.451.820.161.46
    IMO.TOImperial Oil Ltd43.3$B1.0215.3514.39-5.30.845.22
    IFC.TOIntact Financial Corp8.8$B2.8821.2858.9324.1812.127.26
    PJC.A.TOJean Coutu Group PJC Inc4.1$B1.5610.6715.96#N/A12.76N/A
    KEY.TOKeyera Corp5.3$B3.4835.78119.39-6.528.546.38
    LB.TOLaurentian Bank of Canada1.3$B4.4611.3447.610.936.438.78
    MDI.TOMajor Drilling Group International Inc.0.7$B2.17#N/A-56.14-8.853.35N/A
    MX.TOMethanex Corporation7.2$B1.1920.9835.7111.042.862.72
    MRU.TOMetro Inc.5.6$B1.938.5113.4623.661.2314.52
    NPR.UN.TONorthern Property Real Estate Investment Trust0.9$B5.63.2724.649.929.1612.09
    PSI.TOPason Systems Inc2.3$B2.1498.44218.6-17.316.6219.23
    RBA.TORitchie Bros. Auctioneers, Inc.2.7$B2.327.21#N/A-
    RCI.B.TORogers Communications, Inc.22$B4.2813.6652.4915.452.3111.71
    SAP.TOSaputo, Inc.10.8$B1.6521.45#N/A11.87.619.25
    SJR.B.TOShaw Communications, Inc.11.2$B4.0415.5746.441.0110.626.87
    SCL.TOShawCor, Ltd.2.6$B1.1410.3131.6416.017.1910.56
    SC.TOShoppers Drug Mart Corporation12.1$B1.8920.1137.563.233.255.8
    SNC.TOSNC-Lavalin Group7$B2.07206.12#N/A-34.882.1713.9
    SJ.TOStella-Jones, Inc.1.9$B0.7221.15#N/A17.4121.6120.9
    SU.TOSuncor Energy Inc53.3$B2.5414282.847.0729.56
    T.TOTELUS Corp24.1$B3.7319.2365.841.43.789.15
    TRI.TOThomson Reuters Corporation30.4$B3.94240.71844.71-39.08-0.89-2.54
    THI.TOTim Hortons, Inc.8.7$B2.0721.8837.4712.729.7626.62
    TD.TOToronto-Dominion Bank94.1$B3.6714.2744.17.2513.26.54
    TRP.TOTransCanada Corp35$B3.8820.82#N/A-0.811.745.02
    TCL.A.TOTranscontinental Inc.1.2$B4.32#N/A-1565.06#N/A-2.7813.35
    UNS.TOUni-Select Inc.0.6$B1.7927.9351.91-14.378.981.96
    WIN.TOWi-Lan Inc.0.4$B4.76#N/A-105.82#N/A21.8346.73

    Dividend Aristocrat Additions


    There have been several changes this year. With gold hurting mining companies and pushing them to cut their dividend, several companies were taken off the aristocrats list. On the other hand, 8 companies were added to the list by the S&P for 2014:


    BCE Inc (BCE) Telecom, 5.27% dividend yield

    Cogeco Inc (CGO) Communication, 1.71% dividend yield

    Enghouse Systems Limited (ESL) Technology (software), 1.14% dividend yield

    Franco-Nevada Corp (FNV) Resource (gold mining), 1.37% dividend yield

    Gluskin Sheff + Associates (GS) Financial, 2.59% dividend yield (+ special dividend)

    High Liner Food Inc (HLF), Consumer (food), 1.57% dividend yield

    Uni-Select Inc (UNS), industrial (auto pieces), 1.79% dividend yield

    Wi LAN Inc (WIN), technology (license), 4.76% dividend yield


    I can’t say that I’m very impressed by the dividend yield of the newcomers. BCE and WIN seem to pay an interesting dividend yield and therefore I would advise to look closely at GS since their special yearly dividend pushes their yield over 4% year after year (but it’s always a gamble). As for the rest, I rarely look at stocks paying under 2% dividend yield. I’m looking to buy companies whose dividends cover at least rate of inflation. The only exception I have made was with Disney (DIS) but their stock growth potential is very interesting.


    Dividend Aristocrats Delisted

    While the aristocrats found 8 new members, they also withdrew 5 companies from the list.


    Reitmans Canada Ltd A (RET), Consumer (clothing), 3.48% dividend yield

    Talisman Energy Inc (TLM), Resources (oil & gas), 2.73% dividend yield

    Ag Growth International Inc (AFN), industrial (grain handling), 5.15% dividend yield

    Atlantic Power Corporation (ATP), utilities (electricity), 12.82% dividend yield

    Barrick Gold Corp (ABX), resources (gold mining), 0.96% dividend yield


    What’s Your Favorite Aristocrat for the Year?


    Before I tell you which my favorite is, I must admit that I personally own a few Canadian aristocrats already:

    ScotiaBank (BNS)

    Gluskin & Sheff (GS)

    Telus (T)


    My all time favorite is definitely Telus. This is a great company with a great future and it keeps increasing their dividend significantly. However, for 2014, you can guess that my favorite aristocrat will be Gluskin & Sheff (GS). What about you?

    9 Comments   |   Read more >


    Wow… it has been a long month, right?


    I left for my first “couple vacation” (read; without kids!) in the last ten years! We went to Hawaii to take some real time off, do all kinds of crazy things (like jumping into a waterfall and diving into a crater) and get some sun (I live in the cold winterland: Canada!). Now that I’m back, snow and ice are still around and the stock market seems to be relatively stuck in ice as well.


    Both the Canadian and US markets are pretty slow since the beginning of the year (about +1% for the S&P500 and +0.75% for the TSX). I feel somewhat lucky to see a healthy +3.7% for my own dividend holdings. On top of following my own portfolio, I also pick 20 US and 10 CDN dividend stocks each year to be the best performers. Here are my results:


    Best 2014 Dividend Stock Pick Returns


    I’ve started this “tradition” on my blog in 2012. The goal is to pick 20 US and 10 CDN dividend stocks that I think will outperform their peers. This is the reason why I use VIG and XDV as my benchmarks. I keep track of my results for accountability purposes. I find that too many analysts and blogs just drop the ball on their picks when they are not that great. By posting monthly results, I have no other choice but to face my performance and explain it. You can look at my previous picks and returns:

    Best Dividend Stock Picks 2012 (-1.47% vs VIG (US dividend ETF), + 8.32% vs XDV (CDN dividend ETF)

    Best Dividend Stock Picks 2013 (+11.07% vs VIG, + 0.77% vs XDV)


    You can also buy my 2014 Best Dividend Stock Picks on Kindle (Amazon) to get the full analysis:


    2014 book cover


    2014 Best US Dividend Stocks: -0.14% vs +0.07% (VIG)

    In January and February, I decided to not publish my stock picks and give the benefits for those who bought my book. I thought it was only normal to give them more since they paid for the book (or got it for free if you were on my mailing list back in January). Now that the first quarter is almost done, I thought I would give you a little bit more. You can now see my picks and their returns…. But the book also includes one pager analyses ;-)

    Current Div Yield
    Baxter IntlBAX-2,77%2,90%
    Exxon MobilXOM-6,91%2,67%
    Genuine PartsGPC4,32%2,65%
    Helmerich & PayneHP17,03%2,54%
    JPMorgan ChaseJPM-0,96%2,62%
    Kimberly ClarkKMB5,05%3,06%
    Lockheed MartinLMT10,22%3,25%
    Philip MorrisPM-9,14%4,75%
    Wells FargoWFC5,99%2,49%
    Wisconsin EnergyWEC7,37%3,51%
    Added Value-0,21%1,21%

    I lag the index by a few points mainly because I hold Mattel (MAT) in my portfolio. Their latest quarterly results were a total disappointing and growth expectation is set to flat nothing. The stock dropped by more than 20% and now stands at -21% (reminds me of the current weather outside my window!!).


    Philip Morris (PM) was another deceiving stock. Latest forward guidance predicts drops in sales and earnings affected by currency rates. No good news. However, the stock is paying a high dividend yield considering the market (4.75%) and is trading at a relatively low P/E ratio (which means the bad news is already accounted for in the stock value). PM is also investing massively to create new product lines. Since the stock is already on its knees, there is a potential upside for the future and the current drop could represent a great entry point.


    2014 Best CDN Dividend Stocks: +0.22% vs -0.04% (XDV)

    Current Div Yield
    Scotia BankBNS-1,97%3,93%
    Black Diamond GroupBDI1,33%2,96%
    Dorel IndustriesDII.B-9,36%3,61%
    Gluskin & SheffGS22,44%2,54%
    The North West CompanyNWC-0,54%4,53%
    Royal BankRY-3,14%3,93%
    Added Value0,26%-0,39%

    My performance on the Canadian market enables me to slightly beat my benchmark by a few points. This is mainly due to my recent homerun pick; Gluskin Sheff (TSE:GS). Note that the GS return doesn’t show the special dividend of $1.40 per share that was just paid last month. On the other hand, I have Rogers (RCI.B) juggling with stiffer competition and Dorel Industries (DII.B) dealing with sales growth issues.


    While I’m not too worried about Rogers, I am a little bit more concerned with Dorel. I believed in their potential considering the current economy but they seem to struggle to deliver. I knew about their problems in 2013 but thought they could benefit from a push by the economy. I’m now sitting with a loser in my portfolio…


    Trades on My Best Dividend Stocks are Coming Up


    This year, I announced a small change in my stock picking process. During 2012 and 2013, I only could select stocks prior to January 1st and keep them for the following 12 months. This year, I allow trades in both portfolios. I added this rule since I didn’t want to get stuck with a bad news early in the year that would kill my performance during the whole year (as happened with RadioShack (RSH) back in 2012. I will still carry the stock’s bad return in my book, but I will be able to try to make up for it with another trade. For example, I’m expecting to “sell” Mattel and Dorel this month to select two other stocks.


    Obviously, Dividend Stocks Rock members will be the first one to know about it.


    TSX60 Ex-Dividend Date & Dividend Yield

    Dividend Yield
    Payout Ratio
    Ex-Dvd Date
    TATransAlta Corp14.38.1N/A2/21/2014
    CPGCrescent Point Energy Corp37.667.33488.532/26/2014
    COSCanadian Oil Sands Ltd19.867.0481.292/19/2014
    PWTPenn West Petroleum Ltd8.166.86294.253/26/2014
    ERFEnerplus Corp19.615.53N/A3/6/2014
    BCEBCE Inc46.065.0665.513/14/2014
    SJR/BShaw Communications Inc24.414.5161.582/12/2014
    BMOBank of Montreal67.624.546.864/29/2014
    CMCanadian Imperial Bank of Commerce/Canada85.814.4844.493/26/2014
    POTPotash Corp of Saskatchewan Inc34.994.4564.424/8/2014
    NANational Bank of Canada83.24.4438.363/25/2014
    ARXARC Resources Ltd28.494.21256.752/26/2014
    FTSFortis Inc/Canada30.524.273.332/12/2014
    BNSBank of Nova Scotia60.594.1246.063/28/2014
    SLFSun Life Financial Inc35.434.0761.122/24/2014
    RYRoyal Bank of Canada68.53.9445.24/23/2014
    POWPower Corp of Canada29.63.9264.183/19/2014
    TRPTransCanada Corp48.283.8295.523/26/2014
    TTELUS Corp38.443.7560.353/5/2014
    RCI/BRogers Communications Inc46.073.7547.353/12/2014
    HSEHusky Energy Inc32.53.6959.733/5/2014
    TDToronto-Dominion Bank/The47.893.6146.724/2/2014
    TRIThomson Reuters Corp39.443.4651.282/25/2014
    TCK/BTeck Resources Ltd26.293.4261.376/11/2014
    CVECenovus Energy Inc28.533.3866.973/7/2014
    AGUAgrium Inc95.953.3410.313/28/2014
    ENBEnbridge Inc46.33.02146.722/12/2014
    YRIYamana Gold Inc10.262.740.73/26/2014
    MFCManulife Financial Corp19.622.6461.952/21/2014
    AEMAgnico Eagle Mines Ltd35.212.6456.182/26/2014
    BBD/BBombardier Inc3.962.5531.663/12/2014
    TLMTalisman Energy Inc11.712.41225.23/6/2014
    GGoldcorp Inc27.482.425.042/11/2014
    LLoblaw Cos Ltd42.392.2636.83/12/2014
    SUSuncor Energy Inc35.642.2527.762/27/2014
    CNQCanadian Natural Resources Ltd36.152.2124.353/12/2014
    WNGeorge Weston Ltd76.242.1762.443/12/2014
    BAM/ABrookfield Asset Management Inc41.592.1527.214/29/2014
    SNCSNC-Lavalin Group Inc45.692.02434/2/2014
    SCShoppers Drug Mart Corp58.31.9636.123/26/2014
    MRUMetro Inc63.21.8912.942/13/2014
    CTC/ACanadian Tire Corp Ltd94.891.8520.394/28/2014
    THITim Hortons Inc56.491.8332.353/6/2014
    CCOCameco Corp22.411.7859.423/26/2014
    SAPSaputo Inc51.891.7733.543/6/2014
    CNRCanadian National Railway Co58.711.727.723/6/2014
    SLWSilver Wheaton Corp23.921.5821.134/2/2014
    ECAEncana Corp19.61.51N/A3/12/2014
    MGMagna International Inc92.091.4817.593/5/2014
    IMOImperial Oil Ltd45.451.1414.673/3/2014
    ABXBarrick Gold Corp21.420.98N/A2/26/2014
    CPCanadian Pacific Railway Ltd163.40.8627.983/26/2014
    GILGildan Activewear Inc57.820.7913.662/18/2014
    FMFirst Quantum Minerals Ltd19.670.595.034/15/2014
    ELDEldorado Gold Corp70.2833.858/12/2014
    VRXValeant Pharmaceuticals International Inc148.11N/AN/AN/A
    KKinross Gold Corp5.06N/AN/A3/19/2014
    BBBlackBerry Ltd10.08N/AN/AN/A
    CCTCatamaran Corp52.72N/A0N/A
    GIB/ACGI Group Inc33.35N/A0N/A

    3 Comments   |   Read more >
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