Wednesday, 22 May 2013
Tuesday, 21 May 2013
I haven't blog in quite sometime. I just post on the comments, check quickly out of my stocks. I had been busy at work. Other than working, I sometimes go to the movies, I go shopping and I like to take longg walks around downtown Montreal. But this past weekend, I wasn't in Montreal, I was in Ottawa.
It was too much at the last minute for my bro, I went upset, say chitty things about his ex girlfriend hang up on him, but went anyway to Ottawa, but not at my brother place of course. I saw my brother on Monday despite the incident. And I learned that my brother suffer from an anxiety problem. He sometimes wake up in the middle of night and feel like he's about to die. My doors are always open to family, no matter what. I don't exactly understand the relation between his anxiety problem and not being able to welcome me in his apartment. In his case, it was a you should have left me know in advance. but he told me he doesn't want to deal with stress anymore. Am I that of a big sister? I GUESS SO :) Anxiety problem is not to laugh about but I am kind of related to my brother problem in a sad way.
Its true I like to comment about everything related to his life but its good comment. Like I suggest him to switch to a one bedroom instead of 2. He would save about $100 per month. At the end of one year, it make $1 200 in saving. So why doesn't he take that option? Because he wants to keep his comfort. The problem is that my very own brother doesn't want to make any sacrifice. He doesn't deprive himself of anything he wants. Like he wanted once to buy a new desk to put his CD owns... I told him: you don't need that. I try to make him understand how to save money. i told him that by not buying it he will save some money. But he didn't get that. Instead, he suffer from anxiety He always been active and a bit of the nervous type but I think that his problems with money only made things worst. I wanted to give him $150 for staying at his place but he refuse. I said I could give him $50 but he refused. And I was also willing to borrow him $50 but he didn't want too. The only thing I bought him was a tea treat and it was about it. Nothing more. But its not because I didn't want too.
If I would had known sooner about his anxiety, I would had stopped and I wouldn't have scream at him and everything else. And I wouldn't had say some bad things about his ex girlfriend. But the girl was a bitch anyway. Like Derek Foster wife, she's Korean. But I don't know if Derek Foster wife is the kind of a bitch or not. I hope not for him!! lol. Don't ask me if its the South or North, I don't know. Anyway, it went well for a while and following what she decided she wanted to live someplace else. I don't know more.
My mom always been very good at saving money. I got that too very tight in my soul, but not my brother. I try to help him and make him understand, but I am not successful at it. The easiest things are sometimes among the most difficult to explain. I am not the type who earn 50k+ salary a year, but with what I earn as money over the years, I had been able to build a nice portfolio and I am currently at a net worth of a bit more than 90k. I saved money were I could and it paid off. I could stay in a 3 and a half apartment, buy myself some nice furnitures, a plastma TV and everything else. I could, I have the money for. But I am not interested in those things because it will make me spend more. And by not having too much spending I can afford a few little trips here and there. Life is expensive in Ottawa area. It more than important to evaluate each saving opportunity properly. But I cannot help no more, I am stressing out my brother and making him feel sad.
He was looking great and didn't look like he had trouble to sleep. The only problem is that he's not willing to take any of my advice.
It was last minute plan, but no big deal, Ottawa is not that far away from Montreal. And I wanted to be sure I was going to have a nice weather. I have a very beautiful Saturday, a bit of rain on Sunday and a bit cloudy on Monday. Since my brother didn't want me in, I pass Saturday and Sunday nights at the University of Ottawa (summer accommodation). It was $35 + taxes a night, a good deal compare to the price of a hotel. But next time, there's that hotel that I really want to try, its the Hilton Hotel at the Lac Lemay Casino on Hull side. It start at $249 per night. It look very gorgeous and the swimming pool look absolutely awesome. So i told my bro that next time I will rent a room there and we'll be able to enjoy the swimming pool. There's an indoor and outdoor one, quite nice.
Poooorrr students who have to stay there during the year. The room are extra small and its a bit crappy. Like there's men and women on the same floor. We have the showers and toilets outside the room. There's one shower/toilet thing for the men, and another one for the women. Only problem, once being inside, there's no shower door that you can lock. And the main door doesn't lock. So yeah,, whenever someone want to catch the picture of a nice looking girl taking her shower, she or he can...
Oh.. and the shower was COLD. Yak!
Other than that, it was ok. I left my luggage inside their lobby on Monday and when I came back around 5 pm, my luggages were still there, waiting for me. In my case, I wanted something cheap. I guess foe the shower thing, if a girl is alone and really care well, I guess you can always shower wearing a bathing suit!!! I wasn't scare, just a bit annoy that my beautiful booty could be so easily at see of a sexy guy.
After a few days in Ottawa, I was happy to go back home even if for now that "home" is in Montreal. What I need is a boyfriend that will pay everything for me. From trips to rent for everything. But on the meantime, I can get everything I want anyway.
While going away like that, there's always some laundry that need to be done, things to be clean... I am going again to a little trip really soon. This time to my hometown in New Brunswick. And after that I will have July 1st off and also about 2 weeks at the end of July-beginning of August. I always like to take my vacations on the last week of July.
I have pictures on my camera chip but I am too lazy to get it on my laptop. But i haven't been too lazy not to look at my broker account. my stocks are doing well these days. My non-registered alone is at $125 362.33. Almost a 5%+ up. I am quite happy, as you can imagine. I had accumulated great dividend too in and out my TFSA. I have a $80 something coming from my dividend in my TFSA that I would love to withdraw. But TD Waterhouse make things very difficult because there's only one free withdraw per year. That being if the rules haven't change.
In other words, TD Waterhouse don't give a damn of how rich I am. They want to make money on my back well hell yeah, TD suck sometimes. I had many problem of that type with TD Waterhouse. Not having the liberty to do what I want with my money is yes the hell of a problem. I have a bus ticket to New Brunswick to pay off and I need to bring down my margin to 50k. I am currently to 52k. That's because I used a 2k to pay off a credit card left over debt. The dividend income is kicking on and I just hope one day I will be able to leave Quebec province forever.
Saturday, 11 May 2013
In the previous post, I talked a lot about credit card balance transfer. I will continue a bit more in this post. back in April, I completed a 10k+ credit card balance transfer over TD Visa for a 2.9% special interest rate for 6 months. I still had a close to 5k to transfer someplace else before getting back over TD side at their super low promotional rate. In May, I proceed with the transfer of the close to 5k amount from TD Visa to RBC Visa. Once the transferred completed, I called TD Visa. And when i came to do the transfer, the promotional interest rate was no longer from the account. I talked about that previously. But why I don't have the promotional interest rate anymore at TD Visa?
I had a promotional interest rate at TD Visa for a long long time. But fact is, I had noticed that it wasn't always available in the account. I sometime had the promotional rate available (I could see it online), and sometime not. While being on the promotional rate and being set for 6 months, the month after I could see that it wasn't there anymore. But luckily, each and single time my 6 months expired, the promotional interest rate for 6 months was back in my account.
I had a 15k balance at TD Visa. I always complete the transfer at another Visa institution in 2 shoots (I don't have another 15k Visa credit card, that's why). What happen is that I complete a first transfer back in April. And the second... in May. But in May, the promotional rate was no longer from my account. So I had been caught in a in between. I talked to several TD Visa reps, all good folk, and they all explain to me that its a promotion (I knew that, but I am supposed to be a TD princess ok), and it sometime comes and goes from the account. I notice that myself. This time, I wasn't quick enough for doing my transfers.
However, despite this bad luck, I had completely paid the close to 5k I had left over at RBC Visa today. How I did it? Quite simple, by using a promotional cheque of American Express at 0% for 6 months. This came at a perfect, perfect time. And I thank God for the blessing even if he was nothing to do about it. I also use a bit of my margin money. What I plan to do is this: wait that the cheque appears in my account at American Express and following what, I will call them and asked for a 1-2k increased - which I probably get.
For the next 6 months, I will try to put over more money aside and if it happen that my luck completely run out, I will have some cash and substance to actually do a simple thing that I never care to do before: paying in full my TD Visa credit card debt.
For my part, I probably will just get this life. Since I am not a kitty and won't have 9 lives, I decided that I could do whatever I wanted with my money. Its my very own money juice and I do whatever I want with it. This is the idea. This is why I don't care about paying my debt. Tax credit, tax credit and tax credit. I get a tax credit for my student loan and I also get tax credit for all loans used over investment. Since the tax system had been build for the rich of the richers, I am taking advantage of it. May God bless my country, Canada, the land of $$$.
You can do whatever you want with your money, enroll into debt, as long as it remain manageable, everything is under control.
And in term of $$$, I am doing quite well these days. My non-registered portfolio climbed to a very magical $121 294.87. Anything exceeding the 120k is worth the word magical. I would just like Jean-François Tardif to be as magical as me. Tardif my sweetheart, what the hell are you doing? You are no longer kicking ass. But am I waiting. See, I had invested in the JFT Strategies Fund (JFS.UN) because Jean-François Tardif was managing it. Oh but please, F U Tardif!
My bastard lovely sweetheart decided to take it easy. Jean-François Tardif can no longer deliver. That's what going on. I had invested 2k in his fund for F NOTHING. But is it really surprising? Trst me on that one, never but your faith and hope in a Quebecker. They are f up people with poor intelligence and they want to reopen our Constitution. Too bad assholes, you have miss the boat. BYE BYE! I don't want Quebec in my b love country. Quebeckers don't have the heart it take to be successful. Their "country" is so well manage that it hold the highest tax rank in North America. Is that enough? Entrepreneurs with brain should just simply escape that tax slavery. Its almost a miracle on itself to be holding that much in cash as I do. How am I doing it? Don't ask me. Its all naturally stuff that been in deep in my DNA. I was born to get everything I want. Generally speaking, I get what I want. but its because I want it.
The major problem with Quebeckers is that they don't know what they want. They have no goals and they don't have the guts it take to become a country of their own despite all the misery they put on our federal government. Want to f and mess up? OH YEAH. Quebec is paying the high price for its arrogance and this, this is revenge. No more tax credit for their animal funds. Seem like Ottawa decided to suck them just as they had suck Ottawa. Reopening the Constitution? It won't happen anytime soon.
Its seem I cannot rely on Jean-François Tardif to become rich so if you don't mind, I will rely on my own self. And trust me, I will give my punch in the face to those little Quebeckers. If a war have to happen between Quebec and Canada, a real war, well, I will be on the battle field and I will fight until I died. Like a real soldier.
Thursday, 9 May 2013
This is what is going on. For the past couple years, I always had great promotional interest rates on credit card balance transfer with TD Visa. I had 4.9%, 1.9%, 2.9%....
Recently, I completed a credit card balance at TD Visa at 2.9% for 6 months. The amount carried over was something like 11k. Cool great awesome! That was completed at the end of April. I was on my way to proceed with another credit card balance transfer at TD Visa for another 4k. However, the promotional interest rate is NO longer from my account! Which mean I cannot proceed with another credit card balance at 2.9%.
I had the promotion in my account non stop for many years now at TD Visa. And now, it suddenly stop?
Great news is I have a 0% interest rate at American Express I can use. Great, but I wanted to use that 0% on something else, like to pay for my shopping and my vacations. But it won't happen that way, of course!
A promotional interest rate is a promotion. Is not mean to be there forever. But I am a little bit desperate. Especially now that I am about to have my tax declaration completed next week.
I always been treated like a princess at TD. But now, the princess is being treat like shit. This is not nice TD VISA! I USED TO LOVEEEE UUUUU and know I feel like bunching you into the ground.
At least, my non-registered portfolio is doing very great. My portfolio closed today session at $120 642.67. And some new dividend had kicked off.
Life is all about balance. When you jungle with debt, that's the price to be paid. But I have an angel protecting me (I still have that 0% interest rate at American Express). Kinda rocking the place no matter what.
Tuesday, 7 May 2013
I must be the luckiest girl in the word. The weather is absolutely gorgeous these days in Montreal. ITS THE SUMMER! YOUHOUUU. And the summer mean I don't give a damn of what's going on with the stock market... or almost. I am looking from a distance. My non-registered portfolio closed at $120 040. My margin is at $50 060, which is good because I don't want to use more than 50k of my margin money. My numbers are looking great for now.
I always find things to do during the evenings. I only want to be outside. Last evening was spent in the Old Montreal and this evening was spent at a X public swimming pool located in X spot closed to where I live on this X street... Just somewhere in Montreal. On the hot spot.
I had received a call this evening. My tax declaration is ready. Only my expenses for my self-employment need to be taking care of, but that's all. So I guess that by next week I will be done. I have no idea how much I will have to pay on taxes, but it will be around $600 I believe, if not more. Quebec province is really beautiful during the summer, but the tax system is running everything.
But God is watching and decided to help me. Previously, we chat about TD Visa giving me a 2.9% and a fee of 1% on the balance. Well, this time, its even better because I have a 0% interest rate with no other related fee to pay and that's good for 6 months. Where am I? Is this heaven? Where am I?
I have another 4k+ transfer that need to be completed to TD Visa. I have closed to 3k available on my American Express. I will certainly used the 0% interest fee for my own interest, that's for sure. This is just coming right on time for the summer! Nice.
Sunday, 5 May 2013
Did you have a nice weekend? Mine had been AWESOME! I usually do my cleaning, laundry and everything else on Sunday, but knowing how gorgeous the weather was going to be, I took care of the cleaning on Friday evening.
On Saturday, I wake up around 9 AM, which I rarely do and I went out for breakfast. Following what, I did my grocery shopping. Once I came back, I saw a parade. There was that very good reggae singer and there was green balloon with weed flower on it... AND it was smelling POT! It was a parade for the legalization of marijuana. I am totally against the idea, but I have to say, I very liked the smell of the fresh smoked weed... hummmmmmm it smell gooddd lol.
In the afternoon, I went swimming in an interior pool. It was FREE. I went swimming for a good 2 hours. After that, I came back home, clean my hot new bathing suit, did my nails in a pretty pink shade and I went to the casino. I stupidly lost and played $40. i used to go there and win-win-win. Its good that I actually lost this time because I have better things to do than playing at the Casino. Its not very healthy going there and playing the hard earned money. It doesn't really worth it. Its only create a desire to go back, and go back, ding-ding-ding.... I have enough. In another life, I might had been a great Casino player, but not in this one. After loosing my $40 I went back downtown Montreal for shopping and I went see Iron Man 3. Its a fun movie to watch.
Today, I wake up early, went off for breakfast and I went for a longgg walked to the Mont-Royal. It was absolutely stunning. But the Castor Lake was empty of water. I went to the Cemetery Côte-des-Neiges and I saw the grave of Maurice Richard, a famous hockey player. Its the only celebrities grave I had been able to find. But I have to say, I didn't went deep inside the cemetery. On my way back, I took the wrong trail and I finish my walked in the forest in Côte-des-Neiges. I was totally lost but I noticed some downtown buildings. I was closed to the Montreal Museum of Fine Arts. On my way back home, I went to ice cream and beer (yeah yeah, you read right)...but oh mistake, a few hours later, I was completely dead. Once home, I take a nap and I did some laundry.
I had plan to work on some HubPages articles this weekend but with the beautiful weather, no-no, no time. I had received recently a $58 from HubPages. The idea was to write more to earn a bit more and pay for my festive shopping of the last few days. I am almost done with the shopping for now. The only other thing I would like is a new pair of sandals but its not a mandatory thing. Especially knowing I have a trip ahead plan for New Brunswick at the end of the month. I have off on Victoria day and I was thinking of going on somewhere. But no plan yet.
And now, another week is about to begin.
I was quite surprised with the amount of cash I had left available following my rent payment. This mean that I haven't done anything with pay I received 2 weeks ago. Which is very strange because I usually transfer any funds available to my margin account. I had $1 500 available. No plan ahea.
Summer is definitively my season. If I wouldn't be working, I would spend all my time outside, or in the pool, or drinking beer until I cannot take no more (but one is generally all I can take).
Wednesday, 1 May 2013
Its always kind of a bad day when you have to give that big cheque for rent. I mean why is it costing that much only to have a root under my head? Toooo bad. A couple of hundred bucks just gone with the wind.
I was all so happy yesterday: just like magic, my non-registered portfolio was hitting back the 120k! I never taught I was going to hit it again anytime soon. But today, it went under the 120k. My non-registered portfolio closed today session at a bit more than 119k. I am still lucky, I guess. But I am not lucky anymore with TD Visa.
For what had been now a very very long time, TD Visa offer me special interest rate on credit card balance transfer for 6 months. I had the rate of 4.9%, 2.9% and 1.9%. Currently, the rate on credit card balance transfer at TD Visa is of 2.9%. I had the promotion in my account like 4 ever now. Every 6 months, I take the balance of my TD Visa and transfer it someplace else (on another Visa card). Once the transfer is completed, I transfer the balance from the X other Visa back to TD Visa. In the past, I had named the procedure "ping-pong", I guess you understand why, because it is what it is, its really a hot ping-pong game between 2 Canadian institutions. Nice isn't?
In the past few years, TD Visa treat me like its Queen, its fabulous princess. I am a TD princess. I always get everything or almost I want with TD. Is it nice to be a TD princess? Yeah, it is. But now, the myth is broken. TD Visa is now playing against me.
Wanna long more on what's going on right now between TD Visa and the Dividend Girl?
Ok, well, last time I call TD Visa to have my credit card balance completed, I was told that on May 1st, a credit balance fee of 1% will apply on top of the promotional interest rate. Let say I want to transfer $4 000 over TD Visa at their promotional rate of 2.9%, on top of the interest, a one time fee of 1% ($40 in this example) will apply.
I WAS SHOCKED when I learned this.
TD VISA, the Dividend Girl is really really upset.
AHHHHHHHHHHHHHH What a deception. TD Visa, you used to rock my world, and you too are treating me like shit just like the other bank.
I am no longer a TD princess.
The myth had came to an end.
Tuesday, 30 April 2013
I am just very glad that I am back on the 120k value for my non-registered portfolio! I closed today session at $120 730. It would be nice if it could simply remain that way. When my portfolio go down, I always find it hard to imagine it will ever go up again... but it always does... May God bless Canada! We have the best stock market of the world. Because of the slow economic growth going on in China and in the US and rest of the world, I was mentally ready to face a down in my portfolio for the rest of the year if not even more.
Don't ask me anything about the stock market because I don't know anything and I find it quite hard to follow... Its a complete non sense like all the time. But I am able to find myself in the chaos. That's why I am still here after all those years. We went many years together, from before the 2008 stock market crash to today, in my year of 32 where I found some glowing white hair in my cascade. There's just things like that who were meant to be like that. Maybe I was supposed to live and died in Quebec province after all. Don't ask me. I don't know anything.
For for what I know I am at $744 in dividend income for April. I am enjoying the free cash because I had been shopping and I spent a few bucks. But for the rest of the summer there will be no more spending. This make me think that I have to pay my rent tomorrow. Its very hard to believe that another month came to an end. I didn't do much, just the usual. I had a little vacation in April. I hope to get another one in May, but nothing is confirm yet. The schedule is crazy and I am just very glad that I am only a 40 minutes distance walk away from work. I wouldn't like to take the metro every morning to go to work. The metro is disgusting. Its creepy and not very clean underground. And always so hot. Today I was hot. I am going to wear a long skirt to go to work. I began to have enough of the grey, black, brown pants.
I completed my taxes last week. I probably going to have an appointment next week to complete everything. I still need to calculate my expenses and stuff for my freelance. I had been too busy shopping and playing out in the sunshine. No time for the boring stuff in my live.
Sunday, 28 April 2013
I went for shopping pass noon today and it was great to feel the heat of the sun. I was wearing jeans, a sweatshirt and running shoes... and I was very hot. So I went back on, pick on a summer dress and I went back to my little escapade. Wearing a summer dress on the end of April felt real nice.
And wearing a summer dress just gave me another do: shop for more summer dresses! So I got on 3 summer dresses and a nice skirt, and a shirt. I also bought L'Oréal self-tanning lotion Sublime Bronze and once back home, I try it on. Its working quite nicely. I am very pale, so self-tanning lotion is just very perfect for me. I can have a tan while wearing a 50 protector. See what I mean?
Just to let you know - (but do you really care about that??? lol) - I finally got my hair coloration done this weekend too. So let's say that this weekend, I changed of color, my hair, and my entire body. Does it look good? I hope. Anyway, males are everywhere in Montreal and some male species just look incredible. I blow off more than $200 this weekend alone and it was fun. I am not expecting to blow more for this summer on shopping, if not a few other things that I am thinking of at this time. Girls always need more stuff. I guess you would like to see a picture of my glowing legs (oh lala) and my summer dresses, but for now, my iPod is dead.
So we are just going to chat about my non-registered portfolio closed last Friday session at $118 931. My margin usage exceed the 51k, so once I received my paycheck this week, I plan to pay off a good 1k if not more on my margin. My goal would be a margin of not more than 45k in usage. To do so, I need to inject 5k more. Its quite some cash.
I had gave up the idea of getting a second job because I am enjoying my free time too much. Sunday is the time of the week where I get ready for another week of work. I do my grocery shopping, my lunch for the week, I clean my place and do some laundry. That always take off a few hours of my Sunday. The very best day is Saturday. That make only one single day for me. Nothing more.
I may however get on more of my freelance. Just some ideas, nothing more.
There's too many changes at work and I began to hate it there. When you say that les apparences sont souvent trompeuses, well it is clearly that at where I work. It may be located right downtown, in a nice building, well despite being well located, there's nothing more because the company hasn't provide any raise this year to their employees, absolutely nothing to beta off inflation. They hired and gave away money like crazy but when it come to cover the basic, they are assholes.
I am still at the same place where I had been hired last summer. I went from May to September without any vacations, I was promised a $500 for it, but when they gave me a permanent position, they didn't gave me the 500, saying it was a leaving bonus. I hate them very much for doing that to me. A few employees had left and one other is about to leave and its giving them a hard time. And I am very grateful that they are going to that hard time. They hired, and they don't want to hire. They want some seniors, but seniors cost $$$ to hire... etc etc.
I hate giving away so much of my time to an employer that isn't respectful of its employees. And I don't like living in Quebec province that much. I am a Canadian and I want to live in a place where sexy Canadians like myself shine. I hate those Quebeckers too much. But for a reason or another, they are not getting enough of me. Its just because of nice booty. There will always men who will fall in love with me (even Quebecker men).
Tuesday, 23 April 2013
This month had been quite great for my dividend income, but not for my portfolio value. I don't like to see my non-registered value falling below the mark of 120k. My non-registered portfolio closed today session at a close 118k. Getting closer to the original 120k, but not back yet there. I don't like to deal with a down market.