Tuesday, 18 November 2014

And what about selling New Flyer Industries Inc. (NFI)

These days, Pierre-Karl Péladeau has such a poor mind that he doesn't even believe in his own political party! Welcome in Quebec, planet of the rich idiots.
It would be nice if the TSX could closed the week at a 15 000 points. Its looking good so far. And in result my non-registered portfolio is at $137 129.99. My Exchange Income Corporation (EIF) stocks are now exceeding the $20 per unit so that's really helping. I keep looking over and over again over my non-registered portfolio. I am now thinking about selling New Flyer Industries Inc. (NFI), for no specific reason. I am also getting tired of holding more than 2k inside the JFT Strategies Fund (JFS.UN). Its just that this fund doesn't come with any dividend distribution. I am really at the point where I want to maximize everything. I have no more time to lose, especially with a 137k portfolio.
I think that no matter how awesome he is, Jean-François Tardif is still a Quebecker and is just imply off everything. No interviews, no naked pictures. No nothing. I think the JFT Strategies Fund (JFS.UN) that I hold in my very own portfolio is a flasher. I had been lucky, I had bought my units right from the start and I was able to make a $500 while partly selling my units. But now JFS.UN is basically going no where. I was expecting more from Tardif. Since I am not getting what I want, I am serious thinking about selling this one too.
I used to have several hundreds in profit with WesternOne Inc. (WEQ) and Black Diamond Group Limited (BDI), but its no longer the case and I am just praying for a recovery.
The only few words that came to mind are unfortunately in French and are something like finit l'@stie de niaisage.


Sunday, 16 November 2014

Saying goodbye to Chorus Aviation Inc. (CHR.B)

With a TSX at 14 843 points, we are getting closer to the old 15k mark... We have our first quick snow time show on Friday, but the snow didn't last. But today, its snowing for real and the snow is there on trees and sidewalks. I bought a pair of Sorel boots. The boots I have from last year were longs boots and they were irritating my legs skin so I went for a shorter style and my Sorel are much more comfortable. Today is the perfect day to go try my new boots. I like the Lafontaine Park on its first snow.
This past weak, I sold out all the stocks of Chorus Aviation Inc. (CHR.B) that I was holding inside my TFSA. I was under the impression that it was time to sell this one before I get out of luck again. I double my investment on that one. I have now $939 in cash. With my next coming paycheck, I plan to make what probably going to be my last investment of the year 2014. I was thinking of maybe a bank stock. I want an investment that I won't have too much to worry about. So I was thinking maybe RY. I am still thinking about this one. WCP is a bit volatile, I am not sure about that one.
My non-registered closed Friday session at $135 841. Not too bad, but still 10k away from my old $145 000 value. I have no room left to play with my money anymore. Every investment I make now need to be rigorously selected. I am a very serious investor type now.
These days, Kim Kardashian is proving that her popotin is real steak ugly and Fifty Shades of Grey is showing off its first few shades... Its the kind of world we live on today. I am pretty sure that there are plenty of Bay Street guys are there willing to be dominated and I have to say I wouldn't mind at all to teach Jean-François Tardif a few lessons.
I think I need some fresh cold air right now. :-)


Wednesday, 12 November 2014

Borrowing money from your parents? You should be ashame

In this article of Leah McLaren, the poor girl who had accepted to "borrow" 200k from her not that rich dad did not disclose her identity so I won't be able to publicly humiliated her, but truly, there's a bunch of little dumb ass out there taking advantage of the generosity of their parents - probably retired folks who worked very hard all of their life to have what they have.
I once received a very too nice offer from a reader who offer to borrow me money. I don't remember what I was writing about - job loss, moving to New Brunswick, moving back to Montreal - what a miserable life! I don't know what it was about, but I had been offered some money and I refused. First of all, I am addicted to the stock market. It took me years to pay off my student loan - not because it was of a very large amount, but because when I have money at my disposal, I invest it. I cannot stop investing. Its a disease I cannot control. I don't even have to explain or say it, it all very well publicly document on my blog.
I have a thing for investing my money. For other, the disease is wanted to be a homeowner. Or being a big spender. As an individual, we all have our weakness, but we must move on by our vey own strength - no one else has a role to play. Its important to live with the money we have at our very own disposal. Want to buy a house? Mommy and daddy are giving away money for the cash down, but what happen after? In cities like Montreal, homeownership doesn't make any sense for middle class people. I think its a fool trap and more than everything, a conspiracy.
Take for example the city of Montreal in Quebec. The city is so poorly manage and so eat up by corruption foe every possible types, its unbelievable. So what do you thing when the city needs money? It take it right straight from condo and homeowner pockets! And there's nothing you can do to overcome tax increase of that type. But its not only that. A "welcome tax" need to be paid, and not only that... think of all the Quebec tax involved with homeownerships, you'll quickly realized - if you are bright enough - the rip off.
I won't ever let anyone take advantage of my financially. That's why I will never own a home or a condo in Quebec province. This province is not reliable enough. I have no confident. Living small like Annie is the best. 
So don't ask or accept money from your parents or readers if you have a blog - if not, you'll finish your dead in hell.


Tuesday, 11 November 2014

Where is Jean-François Tardif when we need him the most?

My non-registered portfolio closed at a good $136 888.57. I have closed to 16k left as margin money. Is that enough for a new investment? Certainly not, BUT pay check is coming up just around the corner, next week. And this mean that there could be a next investment inside my TFSA account soon. I am surprise to be on the 136k mark knowing everything that's going on. Oil is down. Silver and gold are all the way down. At a time, I was trading on silver, buying-selling, buying-selling and of course, I wrote it all right here on my blog. And I remember a comment of some fresh guy (there're so many little ass reading this blog!!!) saying that he was 100% invested in silver and gold ONLY. I wonder how he is doing now... Ohhhhhh boy. Poor one.

I am just very very grateful not having too much involve in gold and silver (thank you GOD). However, I am not totally out of trouble. I lost a lot on First Majestic Silver Corp (FR), Sprott Physical Silver Trust (PHS.U) and everything related to gold shit that you can find in my portfolio.

I made $125 so far on my latest investment in Canadian National Railway Company (CNR) inside my TFSA. More free cash please! I knew I was going to make some fantastic bucks on this one. Chances were with me at 99.9%. CNR is definitely one of my favorite stock ever. I only invest 3k on it last time. But if I would had 20k, it would had gone - most of it, on CNR. The shoo shoo train is making me rich and richer. Free bucksss on the way, please make up some place!

With the oil price going down, is tempting to buy something in the energy sector, but the question being what? Suncor? No. Husky? Nope. Canadian Oil Sand? No no and no. See my problem? I never had any interest in those socks and I still don't. But my interest is someplace else. I had read here and there about Whitecap Resources (WCP). It recently came up in in a Globe and Mail article. If I check over TD Waterhouse, WCP is very well rank, with a lot of Buy recommendations - something like 12.
For now, I am not sure about WCP as investment.


Monday, 3 November 2014

The new "Performance" TD Waterhouse feature suck all the way

Why? Because as it name involve it, it show "Performance".... lol.


Sunday, 2 November 2014

Stock markets, the inferno road for middle class investors

Today, time is changing. With time change, another month is coming by. And with another month more money to invest. I hope to invest more inside my TFSA. I still have several thousands left as contribution room. And I also have to think at putting down a 6k away because in 6 months from now, I will have to pay down my CIBC Visa at 0%... The need of fresh cash is BIG. ENORMOUS.

I hope that my latest investment in CNR will make me a bit richer. My non-registered portfolio close the month of October at $136 429, which is not too bad, but I still far from the old the 145k I used to be. some stocks went down very sharply and the only way to recover is to pray, invest more and make a wish for a stock market on a real high.
There's been a departure at work, a guy decided to leave the place less than 2 years of employment. Personally, I am not too interest at job searching and job searching anymore because I already went there. All of the hours I work are being paid or put at bank, I have 3 weeks vacation per year paid. I never even used any of the benefit package - that being because sexy is never sick. But I did enroll to the RRSP program they have. I won't get rich on it, but it make a bit of money but away when I will be old and grey. I do have white hair - I discuss of that before - but hair coloration is doing the job. At 34, I can say that there's no sign of aging on my pretty self. And I pray God and the Saints that it will remain that way for a real long time and I wish to still piss you off with my very good investment ideas and blow it to thousands and thousands of dollars.
Having my portfolio (non-registered) at $136 429 is a good indicator that the stock market is back on track. For how long, I don't know but sign of stability is always good to take. Because if not, I do suffer, I get punch in my stomach and I stop breathing, and I feel like falling apart. I think this is the worst time ever to be an investor. Nothing seem to be safe and secure. Not even gold and silver investment! So how in the world am I suppose to be good at this? Being a millionaire, I wouldn't be investing a damn penny on the stock market, be sure of that. I am being so disgust. I wish to no one this inferno road. Stock market is hell. Just like Muslim Extremists are Hell. Amir Khadir is Hell. Iran is a f HELL.
Have fun investing because I don't have fun anymore.


Sunday, 26 October 2014

Amir Khadir, enemy of the Canadian nation, spot grocery shopping in Montreal on a Saturday live

Because Amir Khadir does not only work at destroying our nation and complotting against Canadians... he goes his grocery too. As far as I am concern, the poor man can simply eat shit, no need of grocery shopping. I am very good at spotting out people and trust me, I saw Amir Khadir tonight. And there's no man on earth that I hate more than Amir Khadir. No matter how bad I was looking at him, trying to destroy him with the only power of my eyes, he never look back. Amir Khadir should consider that he has many enemies and should never step outside alone. Especially in the dark. How knows what could happen? Amir Khadir should really really be afraid of the dark.
Earlier, before the shitty grocery shopping, the day was perfect. I went to the Old Montreal and visit the night Galerie d'art Ambiance. There's currently an exhibition of Salvador Dali. I was shocked when I saw the prices. Its possible to get your hands on a real Salvador Dali artwork for less than $15 000! The cheapest one was at something like only 6k. A real shame. Prices vary, depending of the piece, but overall, it appears to me that the art gallery is desperately trying to sell at a price that doesn't match at all the reputation of the master. Why Quebeckers should be giving the right to buy some real Salvador Dali pieces of work for a fraction of the price? That poor Argillet French girl might be desperately in need of money. What a lack of judgement to sale such treasure. Sell yourself before selling your Dali art for peanuts! I really like this one. And this one too. The exhibition is on until November 9. I will probably go back again. Its too unique. I don't the Musée des Beaux Arts in Montreal has any Dali work. I don't remember saying any here in Montreal. There's something really special about Salvador Dali, like a real purity in the art, joyful, charming, touching, simple in the lines but beautifully executed. A very nice exhibition. But if you want to go, the real address is 81 St Paul East (and not West as advertised).
Following what, it started raining. I made a stop for a coffee. After the coffee, I stop by the Shoppers Drug Mart on St-Laurent boulevard and after that, I went to the grocery store located at 4001, Saint-Laurent boulevard. I shop there on a regular basis, its the perfect spot for grocery shopping - fruits and vegetables are extra cheap. I came back with 2 full bags for only $21 after taxes. When you see the store from the outside, you can't tell that there's a grocery store in there, but there is one. And there's a little grocery sign standing outside, but its a small one. I did my grocery shopping and once at the cash, its there that I saw Amir Khadir.
He was with a tall young man. It wasn't his son - since he doesn't have any, only 3 girls, no son. But I had the feeling it may not been related. It was more someone he was helping. Maybe a little ass of Quebec Solidaire, his political party. Touching scene, but I couldn't believe my eyes. It was the second time I was seeing the lunatic in live of my life. The first time was at his very first election. I saw him at the Mont-Royal Metro station outside, promoting himself. There was a communist fanatic with him, with a wood cane.
Who is Amir Khadir?
Amir Khadir is a Muslim. He was born in Iran. He immigrated in Canada at a young age. Instead of being grateful to be in our very bless country, the way Amir Khadir thank us by flushing Canada right into toilet. I don't understand why Amir Khadir didn't get deported back in Iran because that's were he belong. He's not a proud Canadian citizen. But we have open our door to his family decades ago. He doesn't have any respect for our Commonwealth heritage. The political party he's in promoted Quebec not as a province, but as a country.
You can read on how is Amir Khadir right here.
Amir Khadir is the perfect example of an immigration story that turn wrong. No immigrate should have the right to play in our back like that. An immigrate who begin - like Amir Khadir - to be disrespectful, and cheat on the Canadian country should be ship back to his country. Living in Canada is a privilege, but Amir Khadir doesn't have the intelligence it take to understand the chance that he had younger, to come to Canada. There's no recognition in Amir.
With the recent terrorist attack that happen in Ottawa, I think the federal government should review in deep its immigration regulation. Why should we welcome in our country any Muslims, knowing that it represent more risk than a real benefit for Canadians? Do we really want to risk to lose our freedom, our security, our way of living just for some f up people like Amir Khadir?
We must protect our Canadian interests, close our door to any Muslim immigrations. We should start by kicking Amir Khadir out of our country. For being a liar, for being unfaithful to the Queen, to the Commonthwealth, to all of the beautiful history that participate in the creation of the country that we are how, we must push forward our identity and come with politics that will protect ours interests.

If Amir Khadir wouldn't have been along, I would have wait for him outside and beat him up in the darkness of the sidewalk. No one seem to recognize him anyway. A quick beat up, black eye, no one would have notice. It would have leave him paralyzed and completely lost. I would had run, leaving my grocery bags on the ground.
Canada is not the country of Muslims, its the country of Canadians. Its time for the real people to wake up.


Thursday, 23 October 2014

Wecome in my TFSA Canadian National Railway Company (CNR)

Ottawa shooting of yesterday still feel so unreal. Such horrible events in our peaceful country. Take notice that the 2 terrorists that hit in the past couple days in Saint-Jean-sur-Richelieu and Ottawa were both Quebeckers... SURPRISE! Not to me. I am very not surprise.
I think that now more than ever before had come the time for Quebec province to stay in a corner, and let Canada be govern by real Canadians. I think Stephen Harper should get ready for another term. And why not after all? He is getting Canada out of debt and is getting involved with the US to establish please in the Middle East.
I heard some comments at work that the events of the past couple days happen because Canada decided to enroll with US and France against - how the name it "EI". Some Quebeckers are so stupid that they cannot even understand that the EI is a disease and need to be irradiate. If not, we could be on our way to a Third War. There're just no limit to how far those people can go, and that being for many reasons. First of all, terrorists are not afraid to die for they believes. They believe in God and even if they are not doing it the right way, their faith give them courage and determination they need to fight. Some of them had been born soldiers before even being one. No Occidental countries have all it take along to win over these extremists. Its why we need enroll aside with France and USA, among other. We cannot let terrorists do what they want to do and act they way they want. Because before we know it, they could win over us and control our freedom and everything we own.
We are facing something so incredibly strong and powerful, its even difficult to describe. But to understand, you need to be yourself religious and have such a converted mind to realize how bad can be a religion when what is being teach is being all distorted and compromised. And its really to bad that Muslims all around the word have to live the damnation of their very own religion. Don't underestimate the power of religion.
So when I hear Quebec pigs saying that its all Stephen Harper fault, I feel like screaming at them. But we all know how poorly educated Quebeckers are so there's really nothing to worry about.
One day this past summer, I was walking around the Park Lafontaine. A guy must had followed me because he was waiting for me on the parking lot. We was outside his vehicle and started talking to me. I ignore him and continue my way. Why? By his appearance, he was clearly a Muslim. I am not racist, but I was alone and acting like I didn't hear him was my way to protect myself. Its not like he was in need of help or anything. But the guy was clearly following me. He spoke to me in English but I didn't let him speak to me. I continue my way and as I was waiting for a green light across Saint-Laurent, I saw the same guy again passing by in his car, looking at me. He was a white male but I believe he wasn't Canadian or at least Canadian born. He was tall, well fit, wear glasses and had a bear like the one that Muslim man wear sometimes. I never saw him back after that.
But than, I sit on a bench in Old Montreal and there I saw a man sitting close to me.. a black Muslim with a bear. It was a bit strange.
Anyway, all this to say that what happen right now clearly influence our behaviors between Muslim and non-Muslim. I spent quite some time in France in my twenties and where I was living, there was a lot of Muslim and I never felt uncomfortable and unsecure because there was a bunch of people around and they were just young students like myself trying to have their diplomas and stuff. I am perfectly aware that Muslims are not all dangerous but leaving in these modern times is getting complicated.
But life continue. I still have to build my fortune in stocks. And in Canadian stocks of course, like always.
On another note, I make a $3 000 investment today in CNR inside my TFSA.
I had accepted CIBC Visa offer to increase my limit to 7k. So I took a 5k at 0% for 6 months (but a 1% fee apply). I used a promotional cheque to add money - a 5k - to my margin account. I taught of several things, like my job situation and stuff and I think I will be still working in my current job for the next 6 months so I told myself: go for it baby.
I went to the very easy and very immediate. Currently, the best of the best investment you can make is in Canadian National Railway Company (CNR). This stock is not very volatile and very secure. I own CNR inside my non-registered and I made quite interesting thousands on this one already. And also, its been said that CNR could add up to 45% in its dividend... So this is very to easy. I hope to have a good $400 on this one over the next 6 months. And in 6 months, I will clear off this CIBC Visa. The opportunity was just too easy and too good not to move on with it.
I hope this new investment will add some extra value to my TFSA. I still have a contribution room of 18k inside my TFSA account and I plan to maximize it before paying down more debt (except my CIBC Visa). Its just way to increase my chances to make a few thousands on the market while I still can.


Saturday, 18 October 2014

I am a poor investor with no fresh cash available to invest

My cheque for my student loan finally go through and after that, I only had $5.98 left to pay and I did a one last online payment for that one so officially, I no longer have any student loan! Yeah!
As for my other debt, I own $66 273.91 at 4.25% on my margin account.
I have a $94.67 on my BMO MasterCard.
I have a $1 383.70 at CIBC Visa at 0% for 6 months (but one time fee of 1% applied).
For a total of: $67 752.28
In the previous post, I talked about taking money here and there (I have a credit line at 4% on which I have 5k available. And now, CIBC Visa want to increase my limit to $7 000.. I could add money at 0%...). That's all fun but it took me a little while to pay off my 5k credit line at BMO. It is now all clear off. I no longer have any student loan. I used to have more than 80k in debt for a little while, and now I am 67k. Question being, do I really want to get in the same old pattern again?
That's a reason why I didn't make any new investment, at least so far. I have to say, I didn't have the greatest feeling about the plan expose in the previous post because its seem to be I am destroying all my efforts to pay down my debt. The idea was to have only my margin account as debt and have no more banks or anything else taking money from my banking account every month. It didn't bother me to used a 1k+ on my CIBC Visa because of vacations expenses and also, as announced previously, I bought a new laptop for only $420 after taxes, a good deal and the laptop has a 8 GB memory and a 500 Go storage - I would had preferred a 1 To but the price was too good.
So I have that vey huge dilemma in front of me. The stock market crash, and it make a good opportunity to invest - even if now the TSX gain points.... For now, I don't think I will be investing, unless I change my mind. Or unless I am the lucky winner of a million dollar. And even there... I might preferred to stock the money and live on from the interest without having to live with the market drama.


Wednesday, 15 October 2014

The Dividend Girl way to invest when markets are all f up, brown and ugly at the worst

Things are really ugly for my non-registered portfolio right now. I used to be at a spectacular 140k+... and now, well today, my non-registered portfolio closed at $127 661.39. Its quite hurtful to look at it right now, but since I have a margin account, I don't have too much choices. I feel like its 2008 all over again. Same pattern: did we hit the bottom of the bottom or could it get worst? Its the same damn thing that is repeating over and over again. But we finally had that stock correction after all, didn't we!!!

Moving on to such a correction is awfully difficult, but its in the same rough times, back in 2008, that I built my portfolio... Its time to pack in quality stocks that are trading at a lower value than it usual. Its not time to invest in crappy stock, only quality please.
I had been able to survive to the 2008 stock crash and this time will be just the same thing. But to do so, and to benefit from this correction, there's no 100 solutions, I need to invest in quality stock that trade at down value. Bank stocks didn't lose that much when you take a serious look, but I am still interest. I never been that much interested by the oil sector so I am basically skipping.
Basically, my first idea would be to invest a $7 000 in my TFSA, exclusively in quality stocks. A 5k would come from a credit line at 4%. A 1k from my next pay. And a 1k from my CIBC Visa at 0% for 6 months for a fee of 1%...

And here's a first idea of a few investments:

Bank of Nova Scotia (BNS)
Canadian National Railway Company (CNR)
Empire Company Limited (EMP.A)
Intact Financial Corporation (IFC)
Canadian Pacific Railway Limited (CP)
Canadian Tire Corporation, Limited (CTC.A)

All of those companies don't pay much in dividend, but rewards could be for later on. I am still thinking about it for now. All of those stocks are from this pick list.


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