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Tuesday, January 31, 2012

Hello 117 561.46$

At 117 561.46$, my non-registered portfolio is going quite well. At this time, I am really looking forward to invest something like 500$ in Crescent Point Energy (CPG). It’s not that much, but it’s all I have at this time. Not to forget that next week will be pay week. Then, obviously, there will be more cash-“IN” to invest.

The reason why I am so excited about this new investment is the following: in my non-registered portfolio, my book value is of 118 265.89$. 118 265.89$ - 117 561.46$ = 704.43$. This mean that at this time, I only missing 704.43$ to recover from my internal capital loss. So that’s very good. While adding 500$ more in my portfolio, I will only be missing a 204.43$. That amount goes up and down of course depending of the value of the non-registered portfolio and of course, that value vary on a daily basis and even worst, during the trading day, that amount vary second after second.

And imagine next week, when I will have 1k to invest.... I will no longer have internal capital loss to beat. I am getting closer to the 200k and I cannot wait to hit the 8k in dividend income. Right now, an issue I am facing in my 2011 RRSP contribution. Don’t ask me where I am going to take the money because right now, all the cash is getting injected in the non-registered portfolio. I don’t have what it take to invest in a RRSP account.

Sunday, January 29, 2012

Look at what I find: Crescent Point Energy Corp (CPG)

I am always searching and searching for new stuff for my investment portfolio and I was quite excited with my latest finding and of course, I just have to post about it, you know the stuff, and know you know about another marvellous: Crescent Point Energy (CPG).

Crescent Point Energy (CPG) is obviously in the energy sector. But let’s go straight to the point on why I find Crescent Point Energy (CPG) so interesting!

What you need to know about my newest finding: Crescent Point Energy Corp (CPG)

What really caught my interest in Crescent Point Energy (CPG) is first of all its dividend yield. I was doing a search on dividend yield when I found Crescent Point Energy (CPG). CPG dividend yield is of 6%, for 2.76$ per year. At the current stock value of 45.48$, Crescent Point Energy (CPG) dividend yield is of a bit more than 6%, which is very good. Very rare feature for a blue chip, CPG pays its dividend on a monthly basis. Usually, blue chips paid a quarterly dividend, not a monthly one. So this is quite fun.

Crescent Point Energy (CPG) chart is spectacular. It’s actually not a chart that you are seeing there, but a flying jet that continue its way to a golden future. And the future seems to be quite bright for Crescent Point Energy (CPG). Recently, CPG announced a major acquisition in Wild Stream Exploration Inc. which will significantly increased their production.

The only problem I am having with Crescent Point Energy (CPG) is that it’s another gas and oil company... I already own a lot of stock in that sector: Pembina Pipeline Corporation (PPL), Pengrowth Energy Corporation (PGF), Enbridge Income Fund Holdings Inc. (ENF), EnCana Corporation (ECA), TransCanada Corp (TRP), Enbridge Inc. (ENB) and Canadian Utilities Limited (CU). I have several thousands of dollars invested in the oil and gas sector, but I did very well in it, at the exception of EnCana Corporation (ECA).

Adding a few stocks of Crescent Point Energy Corp (CPG) could be interesting even if I own more than enough in the energy sector.

Friday, January 27, 2012

Susan P Brunner opinion on Just Energy Group Inc. (JE)

Susan P. Brunner reviews one of my old time favorite: Just Energy Group Inc. (JE). She had reviewed JE before in the past and again this time, Susan is hitting hard on JE - one more time - but for all the good reasons. However, I like to have some JE stocks in my investment portfolio.

Facebook Initial Public Offering (IPO)? I am IN

Probably sometime next week, Facebook is going to call in for its initial public offering (IPO). This is certainly the most exciting financial event of the year 2012 and you really don’t want to miss the boat on this one. I don’t care where you have to take the money to invest in this initial public offering of Facebook, I don’t care. And why not, go used your American Express credit card! lol.

More seriously, so far in my investment life, I only took part in one single initial public offering (IPO). I made my first IPO in Horizons Gold Yield Fund (HGY.UN). An IPO is fun because you are getting your rich hands on some stocks for free. This means that when you call your broker to take part in an IPO, you don’t pay any commission fee.

At least that’s how it went with TD Waterhouse when I place my order to take part in the IPO of Horizons Gold Yield Fund (HGY.UN), I didn’t have any commission to pay. Also, TD Waterhouse wasn’t from the list of brokers included in the IPO, but they managed to get me some stocks to make me happy! So thanks you, TD Waterhouse! I guess that normally, if your broker is an authorize IPO issuer; you may be able to place your order in your online broker account, but I cannot confirm. At 9.99$ per selling and buying operation, trust me, a commission break is greatly appreciate.

Anyway, let’s see, what’s an IPO?

An Initial Public Offering (IPO), mark the really first move of a company inside the wonderful and sometime less wonderful world of the stock market. An IPO is being called when a company want to make its move and integrate the stock market. In Canada like any other places in the world, there’re some very successful companies, like Facebook, who are not from the stock market. Among the way, those successful companies decided, for a reason or another, to get a symbol ticket and decided to take place in the stock market. The reason why of that is mostly to bring in cash to the company, that’s how the financial crap work. It might be crap, but anyone can make money out of an IPO and out of the stock market. You just need to go in there and do you thing.

As the name explains, an IPO is open to EVERYONE and ANYONE. As long you have the cold cash in your broker account, you simply have to DRING DRING, call TD Waterhouse or whoever else is your broker and say: I want some Facebook future stocks! And what you want is what you get.

It’s really as simple is that. And oh pleaseeeeee, when you place your order, write down the following: the time of your call, the date, the name of lucky broker who place the order for you and also, if he or she can provide one, an operation number or whatever else reference number. From what I remember, TD Waterhouse doesn’t provide any reference number but the broker gives, at least their name.

Facebook is not from the stock market yet but it worth as much as MacDonald. You know, the fast food company...

This is all very nice, but I am going to continue even if it’s Friday night and we’re going to see together why an IPO can be very interesting.

First of all, when you participate in an IPO, the stock price is giving. They usually ask for a minimum investment amount. From what I experience with HGY.U, the minimum investment requested is reasonable. The stock price is one fix and usually, if the company is a good one, like Facebook, once the company hit the stock market for real, the company stock usually exceed the value of the initial public offering stock price. So that’s something that is extremely interesting. You are almost guarantee to mark some interesting capital gain.

Please, take advantage of the US-Canadian parity dollar

Right now, the Canadian dollar worth as much as the US dollar one. Now more than ever it’s time to take advantage of the parity to get some fresh US dollars.

Following what, when the initial public offering (IPO) of Facebook finally kick in, well, the only thing left for you to do will be to call your broker and voilà.

You just learn something very fantastic tonight that will allow you to experience, with a bit of luck, a lot of cash in term of capital gain. So be happy! And go work on your Facebook page please! Facebook is hotter than ever before. Be ready!

Thursday, January 26, 2012

DNI Metals Inc. (DNI): buy, sell or hold?

My non-registered portfolio is at 117 034.98$. I just received Exchange Income Corp (EIF) dividend, a nice 42.39$. Currently, I am at more than 700$ in my dividend income for January 2012. There’s good stuff going on in my non-registered portfolio, but there’s even better stuff going on for my TFSA!

My adventure with DNI Metals Inc. (DNI) began on June 17, 2009. On that day, I invested 717$ in DNI. At the time, DNI was known under the name of Dumont Nickel (DNI). Back on the day of June 17, 2009, my goal was to make a quick buy-and-sell move in order to collect a few bucks for the summer. Before June 17, 2009, DNI had rebound and I taught I could easily perform day trading on DNI Metals Inc. (DNI).

But I was wrong. Following my purchase, DNI did not rebound like expected. I decided to keep DNI in my portfolio anyway, just to hold. After all, I was playing with a small amount of money. I wasn’t upset or had hard feeling, I just find, in some ways, that the situation was really funny. Don’t ever think that there’s easy way to earn money on this Earth because none of that exist.

The last quarter of the year of 2011 has been great for DNI. But recently, DNI has really delivered! The period of 2009-2011 has almost been completely dead for DNI Metals Inc. (DNI). But that’s because they DNI was working on a big project. I am now getting a benefit from those 2 dead years. Deciding to hold DNI no matter what was a personal choice, but of course, it was a good one.

Back on July 31, 2007, DNI was trading at 1$. From the period of July 31, 2007 to today, DNI never reached back the old 1$ mark. However, the future could be very bright for DNI and it definitively worth the hold. Emerging countries like China will bring in a new demand for metals and with its positive development, DNI Metals Inc. (DNI) could be on the road to become more than just a penny stock. The move from the current penny stock situation into a dollar stock is just a matter of time. Of course, nothing is sure, but the hold worth the try. There’s a lot of gambling involve but when people tell be to sell DNI – or even just partly – I feel the advice is being giving very stupidly. Fact is, there’s much more than only gambling involve. There’s a bunch of my feeling and common sense involve too and you know, well, with that, with me involve, you cannot go wrong.

DNI Metals Inc. (DNI)? HOLD and cash in the profit LATER.

Wednesday, January 25, 2012

The troublemaker stock EnCana Corporation (ECA) is getting better... at least for now

Today, one of my troublemaker stock, EnCana Corporation (ECA), gains close to 10% today to close the day at 20.75$. Still far from the original 29$-30$ I place my investment on, but still, a capital gain is much appreciate.

With all that, my non-registered portfolio closed today session at 117 154.45$. Only 1 086.414 is missing before I recover from my internal portfolio capital loss. This is very good.

DNI Metals Inc. (DNI) closed today session at a fantastic 55 cents, which is boosting my TFSA value. Look like somebody around here is going to make a lot of cash! And that person, well, you know, it’s me!! It’s very great because I had been holding DNI for a really long time now and I finally getting results. Those are quite exciting time. My dividend income is doing well for the month of January.
Canadian National Railway (CNR) has increased its dividend by 15%! CNR dividend is now of 1.50$ per stock. Great news coming from CNR.

At this time, I would very much like to see my silver units in PHS.U, among other, to gain in value. My experience with silver had been rough. In November 2011, everything was fine for silver but things began to change in the Spring of the year 2011 and currently, silver is not doing extraordinary well. I wanted to register a nice capital gain on silver but it just didn’t happen the way I expected... However, I was bright enough not to invest too much in silver, so the fact that silver is down is not affecting me that much. I hold silver like anything else inside my investment portfolio. You know when a girl is for good. Don’t expect the silver sh*t prouttttttt of Eric Sprott to slow me down.

Tonight is pay night. I have a couple of expenses to cover of course in prevision of February. Next big thing ahead for the Dividend Girl is the RRSP contribution. From my calculation, I had made around 45k in 2011. I want to review that income to see if I have to make a RRSP contribution for 2011.

I am quite busy at this time with work, my portfolio and my new art class, if you see what I mean. Talk again later.

Monday, January 23, 2012

See me live or almost

Click right here only if you want to see something pretty.

Watch out, DNI Metals Inc. (DNI) is in fire

My non-registered portfolio closed today session at a very good 117 313.28!

Also today, DNI Metals Inc. (DNI) had gained 6.38% and closed today session at 50 cents. This is actually really good because I now have more than double my initial investment value in DNI Metals Inc. (DNI). Yeah! Is 2012 going to be the year where DNI is going to switch from a penny stock to a dollar stock? Maybe.

Very good result for my portfolio today overall. I cannot write more, got to go. My art class is tonight.

Sunday, January 22, 2012

I love trouble

This morning, the temperature is of -28 Celsius Degrees in X town of New-Brunswick! Very cold! See for yourself:

In this cold Sunday morning, what can I do better than checking over my investment portfolio? Seem like TD Waterhouse system is down this morning. I have to say, it’s been a long time since I wake up at 8am on a Sunday morning, so I don’t know if this is normal or not. But I know for sure that TD Waterhouse usually performs maintenance in their system around midnight Eastern Time every Saturday night.

Anyway, I don’t need to access my portfolio in order to discuss the topic of this morning.

So far, everything is great financially speaking. Otherwise it’s another story, but I won’t talk about the other stuff for now, at the exception that my father is very sick. It’s been a week now and he has a hard flue to get over. It’s the reason why I am not sleeping in this morning. It’s the only reason why lol.

It would have helped me to have access to my portfolio because I wanted to look at my troublemaker stocks. The profile of a troublemaker stock? I name troublemaker stocks the stocks that are not stable in value. Usually speaking, those pay a high dividend yield (it’s the reason why I got enroll in them at the first place).

A high dividend yield does not equal a high quality stock.

That’s something I learned among the way. A stock should never provide more than around 8% in dividend yield. After the 8% mark, it’s an exaggerate dividend yield payment that could potentially caused damage to the company in bad economic time like we are in right now.

Beginning of 2011, the only thing I wanted was to increase my dividend earning. And in order to do so, I simply invested in companies who were paying a high dividend yield. It wasn’t exactly a good decision because I had experimented capital loss in term of holding.

In my portfolio, I want it all. I want a good dividend payment, I want to experiment grow inside my portfolio and I also want a portfolio that won’t decreased in term of value. Having it all represent a lot of work. And it also mean not being scared of restructuring your portfolio when you are been giving the opportunity to do so by the stock market. We’re going to discuss of all those things. Interesting? Oh yeah for sure.

In my non-registered portfolio, here are my troublemaker stocks:

EnCana Corporation (ECA)
Canfor Pulp Products Inc. (CFX)
New Flyer Industries Inc. (NFI)
Rogers Sugar Inc. (RSI)
Colabor Group Inc. (GCL)
Data Group Inc. (DGI)
Kinross Gold Corp (K)

EnCana Corporation (ECA)

In 2010, I initially invested 5 946.88$ in EnCana Corporation (ECA) in my non-registered portfolio. I also hold EnCana Corporation (ECA) in my RRSP broker account. Currently, the closed to 6k invested worth half of it. I invested in EnCana Corporation (ECA) when its stock value was somewhere around 30$. Back in the time, I taught that ECA was going to hit it old 60$+ value. You can imagine how excited I was following my investment in ECA. Since that time, ECA increased a little bit in value but in the recent months, EnCana Corporation (ECA) had decreased in value to reach as low as 17 buck per stock.

There’s a demand for natural gas, it’s just that it’s being sell at very low price. EnCana Corporation (ECA) has good gas reserved and had made many improvements to their business. ECA has also been for a little while a Derek Foster stock. So all those combines together, I think it would be a mistake to sell ECA at this time because ECA can easily trade back again at 20$ per stock, if not higher.

While investing in stock, I always invest for the long term. Hopefully, ECA will recover and hit back the 30$+ once the economy get better – one day.

Canfor Pulp Products Inc. (CFX)

I am naming here Canfor Pulp Products Inc. (CFX) as a troublemaking stock but it’s not really. The stock market is a very hard place to be. I am naming here CFX as troublemaker stock because in the past week, CFX title had been volatile. However, Canfor Pulp Products Inc. (CFX) quickly rebound. But at the time it crash, I really taught oh nooooooo not another troublemaker. LOL. That’s really what I taught. But I always like CFX and continue to happily hold it in my portfolio. I invested in Canfor Pulp Products Inc. (CFX) in January of the year 2011. Since that time, CFX grow in value. Lately, CFX decreased in value. I actually hold it at a lower price that I bought it.

CFX is an interesting BC company that manage business in the wood, forest industry stuff like that. It’s reliable. The dividend payment is good. I don’t have any problem at holding CFX and I would recommend to anyone to just stick-and-hold. After all, you’ll have some problems to get a better quality stock in that sector.

Canfor Pulp Products Inc. (CFX)? A bit of troublemaking but I still like it.

Rogers Sugar Inc. (RSI) and Colabor Group Inc. (GCL)

Recently, I took care of Rogers Sugar Inc. (RSI) and Colabor Group Inc. (GCL). I had close to 2k invested in RSI and GCL. I considered having too much money invested in those 2 trouble companies. Luckily RSI and GCL had gained in value recently. That allows me to partly sell RSI and GCL. I still hold RSI and GCL in my portfolio. RSI and GCL may be volatile and be troublemakers, but I still have enough consideration for them to still hold them in my portfolio. I reinvested the money collected this way in Canadian Utilities Limited (CU) and Veresen Inc. (VSN).

Data Group Inc. (DGI)

The only reason why Data Group Inc. (DGI) is from my troublemaker stock is that I initially invested in DGI stocks when they were at 6$+ each.

Currently, DGI is at 4.89$. I have hope that DGI will gain in value. The dividend yield is of more than 13%.

The company declared a couple of months ago that it will be able to continue to pay this kind of dividend. Since I have a DRIP, the dividends earned from DGI are being automatically transformed into stock. This will certainly played in my favour on the long run. And one DGI rebound, I would to sell a bit of what I hold in them.

I don’t like the capital loss that I am currently experiencing with DGI, but that’s part of the game. Don’t expect all of your stocks to be that extra good investment. Like never.

Kinross Gold Corp (K)

I used to have some stocks of Yellow Media Inc. (YLO) in my portfolio. I was fortunate enough to sell my stocks at what I remember being a bit more than 4$ per stock. That was just before YLO become trading for a few pennies. Selling YLO was the best decision I ever made. Following my sell of YLO, I reinvested the thousands of dollars collected in Kinross Gold Corp (K).

Selling my stocks of Yellow Media Inc. (YLO) was the best decision ever, but reinvested all of the money in Kinross Gold Corp (K) wasn’t.

At the time, gold was cool and I didn’t have invested that much in gold. At the time, K was considered a Strong buy by some analysts (they probably don’t worth sh*it) lol. When it come to finance, never trust no one, especially not anyone from BMO Bank of Montreal (BMO).

My invested in Kinross Gold Corp (K) decreased in value because they are having problem with a gold mine they have in Mexico or somewhere. Very frustrating. But that’s part of the game when you become an adventurous investor.

Derek Foster Canadian stock picks were amazing. PPL, CDL.A, ENF, etc. I made thousands of dollars from Derek Foster picks and I probably own him more than just kind words on my blog but that’s all what he’s going to get from me anyway. Lol. All this to say that everything was much better for me when Derek Foster was an investor oriented over his own stock Canadian market. But now, from what I understand, he exclusively holds US stocks and I find it so frustrating. Why in the world an invested like Derek Foster would say F U to the Canadian stock market and exclusively invest in US stocks? WHY? I would like to know why Derek Foster says F U to the Canadian stock market.

LOL. ;)

So here I am, trying to pick stocks for myself and it’s working....... kind of well overall.

Personally speaking, my goal is to boost the Canadian stock market from my little savings and you know, just be there, make a fortune from my stocks in a crazy style.

The only reason why I did not experimented capital loss in the overall value of my portfolio is 2011 is because we, Canadians, have the best stock market of the world. It’s the only reason why.

Overall, my experience with stocks had been very positive. My non-registered portfolio is at 116k+, my dividend income had been of 7k in 2011 and it will probably be the same if not a bit more for 2012. Everything is going fine, but it required a lot of work just to follow all of those stocks. It was my decision to have an X-LARGE portfolio and I don’t regret it. Not at all, even while holding troublemaker stocks.

Wednesday, January 18, 2012

A piece of me

Go see it here.

For those who really love me, and for those who really don't, it's your chance to get a piece of me. Lucky you!


Spectacular me, spectacular Westernone Equity Income Fund (WEQ.UN)

Today, Westernone Equity Income Fund (WEQ.UN) decided to be hot and closed today January 18 of the year 2012 session OVER THE HEDGE! WEQ.UN finished the day at 7$ per stock. So far, I am experiencing a capital gain of 598.01$ on Westernone Equity Income Fund (WEQ.UN) and I own it all to a special reader.

Currently, my non-registered portfolio is at 116 405.03$, even while having a few troublemaker stocks in my portfolio. Those being NFI, DGI, SII and now, K. Kinross Gold Corp (K) is currently trading at less than 11$ per stock, very unfortunate. On the other hand, I have some stuff like my latest investment, VSN that are performing well so far. TRP, ENB, ENF, JE, MX, KBL, PPL etc. etc. etc. 

My margin value is closed to 20k by the way.


I am currently thinking about taking a small 1k from my margin and apply it as payment on my credit line at 7.52%.

Nothing much today, except that WEQ.UN decided to be, just like me, totally spectacular. lol.

Monday, January 16, 2012

Welcome in the house Veresen Inc. (VSN)!

I had been looking at this little one for quite a while! And now, things had been done, following my sell of some Rogers Sugar Inc. (RSI) stocks.

I had invested in some stocks of Veresen Inc. (VSN) at 15.11$ each today. Welcome in my investment portfolio Veresen Inc. (VSN)! Great to have you aboard!

Why did I pick Veresen Inc. (VSN)?

Because, first of all, of its very AWESOME chart. The chart goes up-up-up all the way from its early beginning until today! VSN went down following the stock crash of 2008, like many other stocks that I hold, but it quickly gains back in value. And since that time, well, just an awesome chart.

Also, Veresen Inc. (VSN) dividend yield is extra sharp: 6.809%. This is a reasonable dividend distribution yield and on top of that, it’s being paid monthly. Also today in my portfolio, we welcome some very great dividend income coming from Colabor Group Inc. (GCL) (58.13$) and Premium Brands Holdings Corporation (PBH) (126.13$).

Also today, the spectacular DNI Metals Inc. (DNI) has decided to ROCK the Venture once again to climb the 42 cents per share, this bringing my investment in DNI to close to 1 200$. If I would be selling my DNI stocks now, I would be making a profit of 740$+. But since I am this very good investor (yeah yeah yeah!!), I won’t be selling my DNI stocks any time soon. Hold on DNI and stay tune because 2012 is going to be a rocking year for u!!!

Eric Sprott silver babe is on the high too! I made good gain in my TFSA today.


Friday, January 13, 2012

Reviewing my position within the troublemaker stock, I have name: Rogers Sugars Inc. (RSI)

Today, I did something I wanted to do for a real long time: I partly sell my holding in Rogers Sugars Inc. (RSI). I made my investment in Rogers Sugars Inc. (RSI) back on February 1, 2011. Since that time, I never had been able to make real good capital gain on RSI. Yesterday was a good day for RSI and it was the same today. While giving a quick look at my stocks today, I notice that RSI was still on a high for a second day on a row.

I am not a passive investor. When a stock fails at giving me what I want, I take care of business.

I had been lucky enough to have the opportunity to sell some GCL stocks at a good price. Just like RSI, GCL is another of what I have named around here as being troublemaker stocks. A troublemaker stock profile is the following: a too high dividend yield, unstable in the value in good like in bad market condition, no capital value gained been realized on the investment even after more than 6 months of being hold.

Once you hold them in your investment portfolio it’s terribly difficult to get rid of a troublemaker stock. Why?

Let’s take my example with Rogers Sugars Inc. (RSI). Back in February 1, 2011, I had invested in 300 stocks of Rogers Sugars Inc. (RSI). Since that time, because I am registered to an automatic DRIP for everything that I hold, the dividend distribution I received from RSI has mostly been reinvested to generate extra stocks of RSI. With those reinvestments, my book value was, until today, 5.57$ per stock.

It’s difficult to get rid of a troublemaker stocks because their value is unstable. Chances that you can eventually sell a troublemaker stocks at profit is very low. Most of time, the selling generate a capital loss. In this case, I have sold today more than 200 stocks of Rogers Sugars Inc. (RSI) at 5.56$. I am loosing here 20$. I still have some stocks left of RSI in my portfolio, but now, I don’t even have 100 stock of RSI.

Today, after broker commission fee, my sell of Rogers Sugars Inc. (RSI) generate 1 229.89$. It felt great to reduce my holding in RSI!

So far for January 2012, I had been able to reduce my position in 2 troublemaker stocks: Rogers Sugars Inc. (RSI) and Colabor Group Inc. (GCL). This is very great because I had been waiting a long time to do this.

Another troublemaker stock of mine is Data Group Inc. (DGI). I had bought some stocks of DGI at more than 6$+ per stock. Since that time, DGI value went below 4$ and it never went back to the 6$+. I don’t have problem with holding DGI at this time. When I first invested in DGI, I did so because I really like the company. No matter what, I am currently experiencing a capital loss of 1 587$ on this investment.

DGI recently transform into a corporation and since that time, DGI gained in value. It’s a course a bit scary to experiment this capital loss on Data Group Inc. (DGI), but you have to understand that there’s really nothing that the Dividend Girl cannot handle.

Fact is, an investor need to have the courage to make some change to its portfolio when its truly needed.

Next step will be to find a very great company to invest my freshly 1 229.89$ that been suddenly liberate from my sell of some RSI stocks.

When I decided to sell my troublemaker stock, I usually don’t sell them completely. I usually keep a small amount of shares in my portfolio, just as a souvenir that at some point, I had been sexy and adventurous. 2012 will mark my first 5 years of stock investment. So far, its look like this fifth year is going to be very amazing.

I am never getting enough of that TSX sublime stock market. Like never.

Thursday, January 12, 2012

My Canadian Utilities Ltd. (CU) is increasing its quarterly dividend by 10 per cent

Not too long ago, I add Canadian Utilities Ltd. (CU) in my very s-p-e-c-i-a-l and h-o-t portfolio and now, guess what, in result of me being in CU, CU couldn’t do it better... Canadian Utilities Ltd. (CU) has increased its quarterly dividend by 10 cent.

This increase will be apply to the dividend distribution of March 1, for stocks hold of CU for at least 3 BUSINESS TRADING DAYS BEFORE February 7. It will make it so much less confusing if everything was explained so explicitly.

My fabulous Canadian Utilities Ltd. (CU) will provide a 40.25 cents dividend per share.

Kind of cool isn’t? If you want to be part of the coolness remember: 3 business days before February 7. And now, what are you waiting for? Go get some Canadian Utilities Ltd. (CU) stocks now. Like right now.

TFSA or RRSP contribution? What work best for the Dividend Girl

I really wanted to post yesterday but I was busy and finally, I didn’t post anything. I find Susan Brunner last comment quite interesting. Instead of investing 7k in my RRSP account, Susan suggested to simply invest 5k in my TFSA. Fact is, in 30+ years from now, when I will withdraw cash from the RRSP, I will be paying income taxes on each and single withdraw. The more I invest money in my RRSP and the more I generate money in my RRSP, the more I will be paying taxes at the end. Is that being smart? No, not at all. Without Susan, I wouldn’t have been able to figure this all by myself.

TD Waterhouse – like probably all of the brokers we have out there – is extra extra cheap. TD Waterhouse commission fee is 9.99$ per buy and per sell operations. TD Waterhouse policy for TFSA regarding withdraws is extra extra mean-cheap: ONE ohhhhh ONE single withdraw ONLY per year is authorized. You can do more than one withdraw per year but you’ll have to pay big $$$ to do any subsequent withdraws. Just like if you didn’t work hard enough for your money. This is how TD CEO gets paid millions and millions EACH SINGLE year. While they make us pay the big fees, there’re some lazy bankers who are getting overpaid. That’s for sure. That one TFSA withdraw rule really suck. However, let’s check on this all over again ok.

Which one is a better safe net for your money? TFSA or RRSP?

As you know, I have a 7k I can invest for my 2011 RRSP contribution. Per year, an investor can invest 5k in the TFSA without penalties. You can also add to that 5k the amount of any withdraws made the year before. Let say you have withdraw 2k from your TFSA in 2011, for 2012, you are authorized to invest 2k + 5k.

A RRSP contribution provides a tax break. Any investment made inside a TFSA is free of tax, but it won’t give you a tax break, meaning it won’t reduce the amount you declared as an income.

RRSP and TFSA are 2 different things.

I didn’t work that much in 2011. From what I have estimated, I didn’t earn more than 35k or something like it. That’s really not that much. So do I really need the tax break that provides the RRSP contribution? While living in New Brunswick, I pay a lot less in taxes that if I would have still be living in the horrible Quebec province. Knowing that I will have, one day, taxes to pay on every single RRSP withdraws... at this point, you know, the RRSP, I don’t really care any more. This being because while being a senior, I will have to pay taxes on withdraw made from the RRSP. In 30+ years from now, the money invested in the RRSP will certainly grow. And the original amount invested + all of the profit made will be tax at each withdraw.

I haven’t invested in my TFSA in 2010. This means I can invest 10k in my TFSA in 2012. But it doesn’t mean that I will be investing 10k in my TFSA.

I didn’t maximize my TFSA for quite a while because I preferred to have a 6 figures portfolio in a non-registered account with a margin account incorporated in it and have it all BIG.

Tuesday, January 10, 2012

Feel like getting a capital gain booster? Go with Agrium Inc. (AGU)

My non-registered portfolio is at a very good 116 821.84$, my TFSA is at 4 203.75$. The stock part of my RRSP is at 20 737.97$. Everything is performing well. When the stock market is on the high, everything goes. And when the stock market is on the high, the only thing I want to do is to invest more. And... guess what, tomorrow at midnight is... pay night! Fun, but I have a problem: I have a 7k RRSP contribution that I want to do before Mach of this year. 7k is a massive amount. This is a 7k investment that I won’t be able to enjoy freely inside a non-registered account. Does it really worth it?

I don’t like the idea of investing 7k inside my RRSP account, but on the other hand, I need a tax break. In 2011, I really didn’t work that much in term of monetary work. Strangely, 2011 has been the year of all the fantasies. I boost my dividend income as well as my debt level, I trade, trade trade. In silver, in blue chips etc. etc. etc. In other words, in 2011, it was the F off attitude and I trade and I never stop. It was truly a fascinating year, of all of the extravagances, the year of 31 years of F life. lol.

I feel almost sad to invest 7k in my RRSP. That’s a 7k that will be detach of me forever. I won’t be able to withdraw it (I could, but I will face enormous penalties if I do). I could use all the money on a house but welcome trouble in 10 years from now when the money needs to return in. Like F-F-F. :)

And this problem is being even worst: in where to invest the money that will sleep in for more than 30 years?!!

RRSP? Definitively boring and depressing.

But, I find a product to invest 2 500$ and best of all, I can contribute by using my American Express credit card. I find that one in Derek Foster latest book The Worried Boomer: No Pension? Not wealthy? Here’s your plan! Simply go at the page 103. There’s you go, now you know in which product I will be investing 2 500$ of my own money. I have a close to 700$ contribution coming from my employer. That’s cool, but I still have a 3 800$ to go. I don’t know if you agree, but 3 800$ is quite of an amount. I think I simply put the money in my TD Waterhouse account and invest in conservative stuff. I want the RRSP money to be there when I need it. I will probably be living until 80 years and up, maybe more, maybe less but chances are I will be living until at least my seventies... See, that’s exactly why I don’t like RRSP because it makes me think about the future and I really don’t like that. Not at all.

BMO Bank of Montreal is showing off once again sign of little intelligence. BMO Bank of Montreal (BMO) upgrades Agrium (AGU). I knew from the start that Agrium is ABSOLETELY HUGE. This girl knows the stuff for sure right. BMO Bank of Montreal is a little late on its update. Me the Dividend Girl, I invested in Agrium Inc. (AGU) on December 14, 2011, when AGU stocks were at 67.13$. AGU closed today session at 75.16$. This make a direct and very real profit of 8.03$ per STOCK on a very short period of time. BMO Bank of Montreal has just waked up now. Wow. I am not impress.

I am a genius or almost. That you like it or not, there’s some stuff like that who will just never never change.

Of course, it’s not all of the multiple stocks I hold in my portfolio that are performing that well but remember, I am still a genius, focus on the overage, not on a one and single stock situation. Or it could kill you.

Tomorrow, we’ll discuss why my investment portfolio is X-LARGE and why I decided to invest in many multiple companies instead of having a portfolio of 5-10 companies. We’ll see all that tomorrow so stay tune ok.

And by just thinking now, investing 7k for my RRSP by March 2012 is going to be quite of a challenge. 

Sunday, January 8, 2012

Gordon Pape 2012 super stock pick: Brookfield Infrastructure Partners L.P. (BIP)

Gordon Pape top stock recommendation for 2012 is not a Canadian stock, but it’s a US one: Brookfield Infrastructure Partners L.P. (BIP). This company is from our fantastic TSX under the ticket symbol BIP.UN.

While the Canadian market offer many great investing possibilities, despite it all, Gordon Pape decided to go South for his 2012 top pick. What a shame coming from a well-known financial advisor who made his career in Canada. But don’t be surprise. Gordon Pape is not a Canadian. He was born several decades ago in the USA. The fact that Gordon Pape is not Canadian certainly played on the way he analyses the Canadian stock market and also on the way he perceived Canadians and our super-super Canadian stock market.

Believe it or not, we have one of the best stock market of the worldwide world. With their natural arrogance, Americans put their country in heavy deficit. Their recession has almost destroyed forever the capitalist worldwide. Nothing to be very proud of. However, despite it all, I had been able to turn the capitalist system to my own advantage with an investment portfolio that is almost 100% Canadian oriented. I have been investing since 2005. I start my personal financial blog in 2007 and I placed my first stock investment in 2008, shortly before the stock crash. No matter how bad was the hit, I totally recovered from the 2008 stock market crash. 2011 also been a difficult year for the stock market. It was a year where I experiment a 0% return, despite day trading, despite investing in the risky silver PHS.U. Despite is all, with all the risk I took, I didn’t lose money. Why?

The answer to this is because my investment portfolio is almost 100% Canadian. With many good stuff like PPL, ENF, BNS, CDL.A, FTS, DH, PBH and many many other, I had been able to survive the 2011. Fact is, I had made Canadian stocks the pillars of my lifetime investment project.

Companies like CNR, PPL, AGU could have easily earn the 2012 super stock title, but Gordon Pape decided to go to his homeland country. I don’t have any problem with that but I do know better.

There’s major problems with Gordon Pape 2012 favorite Brookfield Infrastructure Partners L.P. (BIP). First of all, Brookfield Infrastructure Partners L.P. (BIP) headquarters are located in the Bermuda.

You need to know that while deciding to invest overseas, you double the risk for your investments. The stock market is already rough in the present stock market we live in. While investing, you need to do it on the best stock market of the world. And you know that it’s the Canadian one.

Also, as soon you step outside Canada, you fall under a different accounting authority, a different legislation. Accounting “laws”, if I can name those like that are not all the same worldwide. Basic accounting principles are not always being followed in emerging countries and in other countries as well. And that being true about Bermuda and also China.

In order to explain better what I mean, I am partly copying a post that I wrote back in June 2011:

“I will always remember what a financial planner working for Manulife Financial once told me about business located in China. That was in 2007, when I invested in segregated funds for my RRSP. Back at the time, I didn’t want to handle any investment risks and despite my young age (I was 27 back than), I decided to invest like a senior, I invested in some Manulife Financial segregates funds, in the following: Maritime Life International Equity Fund (Templeton), Manulife Simplicity Growth Portfolio, Maritime Life CI Harbour Seg Fund, Maritime Life Fidelity True North Seg Fund and Manulife GIF MLIA B World Invest.

We had that conversation after I mention to her that mutual funds invested in Chinese companies that were performing well. At the time, I was closely following a BMO Bank of Montreal mutual fund: the BMO Greater China Class. The fund was performing extremely well and I was impressed by the BMO Greater China Class.

Following what, the financial planner told me that it was because in China, the regulations were not the same when it comes to financial statements and that there was a lot of business fraud in China. Also, all investments made in Chinese companies needed to be handle with a lot of care. Those words never leave me because I was absolutely fascinated by China economy of the time. I still have the same fascination. But I do not invest in anything related to China for the reason that the regulation is not the same. It’s already risky enough to invest, why should you add another risk by investing overseas? That’s why I am mostly Canadian oriented when it come to investment.

Anyhow, today, a very sad story came out about a company that I never really notice before: Sino-Forest Corp. (TRE). Despite investing in stocks, I am in a way very conservative in my investments. I am not very attract to the big shinny names who are extremely well-rank by analysts. Personally, the only analysts I trust are Derek Foster (the guy who stop working) and SP Brunner (a well established blogger). I never lost anything by following those 2. Brunner is quite modest, saying in her stock reviews that they are not stock recommendations but hey, when you read her hot stuff about K-Bro Linen Inc. (KBL), per example, is that really anything else that would do than just invest in the company after reading her review? :0)

Anyhow, until recently, Sino-Forest Corp. (TRE) was performing extremely well, its value had gone from a 5$ to a 20$+ very quickly. It was the darling of everyone... Until someone of the name of Carson Block arrived in the show. Carson Block is a good looking 35 years, gangsters rap fan and a trained lawyer (got the portrait?) who declared that Sino-Forest Corp. (TRE) does not have real trees and that the company is not operating a real business. That might be true, but investors will have to do a trip in China to see for themselves if Carson Block declarations are true of false, because Sino-Forest Corp. (TRE) operates in China only... That Sino-Forest Corp. (TRE) operates a real business or not has any incident for me. I am not an investor of Sino-Forest Corp. (TRE). So why do I care?

Well, this incident surrounding Sino-Forest Corp. (TRE) shows the importance of diversification inside a portfolio. On the stock market, everything and anything can happen. I received bad comments in different occasions, saying that my portfolio is too complex, too bizarre, too diversify. Investing is not necessarily easy and in the investment game, diversification is your best friend.” (The Dividend Girl, June 9, 2011).

We have the best stock market of the world, there’s no reason why you should be following Gordon Pape footsteps and invest in a US company based in Bermuda on top of that. I mean come on.

Also, Brookfield Infrastructure Partners L.P. (BIP) doesn’t have enough in history to be name best stock of 2012. The company began to trade way AFTER the 2008 stock market. So we don’t know for sure if BIP can handle an in deep stock market volatility and, even worst, a stock market crash affecting the economy worldwide. The stock crash of August 2011 doesn’t count because it was related to the Euro, it wasn’t major enough for us to analyze BIP.

When I invest in a stock, I look at the chart on date of the creation of the stock on date of today. First thing to check: you want a chart that goes on like a rocket, not a yo-yo stock. What I am running after is constancy, something that will be strong enough to support my margin and my appetite for trading. Good past results doesn’t mean that the future of the stock is brilliant. However, it’s a good indicator about the volatility of the title. While investing, I want is all, I want a title stable in value that will also grow in value overtime and I also want a good dividend yield. It’s difficult to have it all but not impossible. BIP is a too young company to be name best 2012 stock pick. And fact that BIP is located in Bermuda is not helping either. Stay away from companies having their headquarters overseas. Be extremely careful with those.

Brookfield Infrastructure Partners L.P. (BIP)? No, it’s not for me, and it’s not for you either.

Saturday, January 7, 2012

My deb situation on date of January 6, 2012

8 371.27$ at a low interest rate of 4.75% (RRSP credit line rates) = 397.64$ in annual interest

4 800$ at a low interest rate of 4% (credit line rates) = 192$ in annual interest

7 756.82$ on a credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = 224.95$ in annual interest

7 050.55$ at low interest rate loan at 5.50% (student loan) = 387.78$ in annual interest

5 000$ at 8.75% (credit line) = 437.50$ in annual interest PAID OFF

8 943.30$ at 7.52% (credit line rates) = 672.54$ in annual interest

49 911.02$ at a low interest rates of 4.25% (margin money coming from my broker account): =
2 121.22$ in annual interest

TOTAL: 86 832.96$

TOTAL in annual interest: 3 996.13$
[In date of January 6, 2012]

My investment portfolio on date of January 6, 2012

Savings: 201.10$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII)
Timminco (TIM)
Blue Note Mining (BNT)
Bank of Nova Scotia (BNS)
Hanwei Energy Services (HE)
Methanex Corporation (MX)
Fortis Inc. (FTS)
Pembina Pipeline Corporation (PPL)
Just Energy Group Inc. (JE)
Pengrowth Energy Corporation (PGF)
Enbridge Income Fund Holdings Inc. (ENF)
Corby Distilleries Limited (CDL.A)
Davis + Henderson Corporation (DH)
Premium Brands Holdings Corporation (PBH)
EnCana Corporation (ECA)
iShares S&P/TSX Capped REIT Index (XRE)
Horizons Gold Yield Fund (HGY.UN)
Canfor Pulp Products Inc. (CFX)
New Flyer Industries Inc. (NFI)
Exchange Income Corporation (EIF)
Rogers Sugar Inc. (RSI)
Student Transportation (STB)
Colabor Group Inc. (GCL)
TMX Group Inc. (X)
Data Group Inc. (DGI)
K-Bro Linen Inc. (KBL)
Westshore Terminals Invest Corp (WTE.UN)
WesternOne Equity Income Fund (WEQ.UN)
Atlantic Power Corp (ATP)
First Majestic Silver Corp (FR)
Kinross Gold Corp (K)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Firm Capital Mortgage Investment Corporation (FC)
Sprott Strategic Fixed Income Fund (SFI.UN)
Enbridge Inc. (ENB)
Agrium Inc. (AGU)
Canadian Utilities Limited (CU)

TOTAL: 115 947.38$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV)

TOTAL: 2 293.12$

Tax-free savings account (TFSA)
EnerCare Inc. (ECI)
Dumont Nickel Inc. (DNI)
Sprott Physical Silver Trust UTS (PHS.U)

TOTAL: 4 058.15$

RSP investment portfolio:
Sprott Canadian Equity Fund
Claymore Gold Bullion ETF (CGL)
EnCana Corporation (ECA)
Emera Incorporated (EMA)
Sprott Physical Silver Trust UTS (PHS.U)

CIBC Dividend Growth Fund
CIBC Emerging Markets Index Fund
CIBC Monthly Income Fund

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

GIC National Bank

Maritime Life International Equity Fund
Manulife Simplicity Growth Portfolio
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
Manulife GIF MLIA B World Invest

Great-West – various

RBC Canadian Dividend Fund
RBC U.S. Mid-Cap Equity Fund C$
RBC Global Resources Fund
RBC O'Shaughnessy International Equity Fund
RBC O'Shaughnessy All-Canadian Equity
RBC Global Precious Metals Fund

Employer RRSP program

TOTAL: 38 184.66$

Social Capital at Desjardins Membership share: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
160 801.66$

Friday, January 6, 2012

Welcome in my investment portfolio Canadian Utilities Limited (CU)!

Between yesterday and today, I had enough time to rethink my position in Colabor Group Inc. (GCL). I had been holding GCL in my portfolio since February 2011. Since that time, I was holding more than 200 stocks of GCL, which I consider being too much in today’s market condition. Today, I sell some stocks of GCL at 10.82$ and 10.80$. It felt very good to do so. I saw GCL going upside down within a matter of just a couple of months.

I still own some Colabor Group Inc. (GCL) stocks in my portfolio, but I do not hold 200+ stocks anymore. I was getting tired of GCL and now was the perfect time to sell a few bunch of GCL.

I reinvested the money coming from the sell in Canadian Utilities Limited (CU). I bought some CU stocks at 61.20$ and I was very pleased. Boost by my investment, Canadian Utilities Limited (CU) closed this Friday session at 61.38$.

Canadian Utilities Limited (CU) nicely completes my collection of blue chips. I am happy and very release. Holding too much of a troublemaker stock like GCL had created an unhealthy financial portfolio stress. Fact is, no matter how much a portfolio is diversified, no matter on how many blue chips I hold, I am always exposed to the market volatility. Knowing that, I think it’s important to reduce the whole thing to a minimum of risk by trying to avoid small caps with a high dividend yield. At a point, I don’t want to have to worry about my portfolio, my holding, my margin account situation, etc.

Today I took a first step in reducing my portfolio stress. I reduce my portfolio stress and... also my dividend income. However, knowing that I mostly invest in a non-registered account because of my margin, I don’t mind reducing my dividend income. Not at all.

I had experienced the small cap high dividend payer stock in Superior Plus Corp. (SPB), Yellow Media Inc. (YLO) and many other. All troublemaker stocks. Now, I want to establish my portfolio for good. No more trading, just lay back, enjoy the dividend income and I will be done. Once establish, I won’t be trading as much as I had done in 2011. Or should I say, I WILL TRY not to trade that much.. lol..

I just realized now, I had placed today my first investment of 2012!

And there’s many more to come! (See, it’s very hard to control those kind of impulses).

Following what, it seem like my non-registered portfolio is now at 115 947.38$. Quite good!

Next thing coming up is my RRSP contribution.

Thursday, January 5, 2012

Did you know? Gordon Pape net worth exceeds the 2 million of $$$

Look who's rich and have super cash! And this is the kind of info that people and the Dividend Girl just LOVEEEEEEEE to know. Of course. Because life is all about money. You must know that by now.

That’s quite impressive! Jonathan Chevreau of the Financial Post reported that at 75 years of age, Gordon Pape is 2 times millionaire. I am not looking to have that much zeroes, for me, the ultimate please will be reach 200 000$ value in investment value will be just enough for me and 2012 could be the year where the 200k POP from this blog!

A new Gordon Pape book in on the way: Retirement’s Harsh New Realities, Protecting your money in a changing world.

I just hope I won’t need any hearing aids when I will be 75.

The Dividend Girl knows best

My non-registered portfolio is doing very well! I hit the 116 191.27$ today, which is quite amazing. I never taught I would be hitting the 116k anytime soon. The 120k is not too far away, that’s for sure.

At this point, I need to be extra careful on how I invest, in what I invest and also I need to be careful with the current investments that I hold. I once wrote a blog post about my troublemaker stocks. Among those troublemakers, I have Colabor Group Inc. (GCL).

Colabor Group Inc. (GCL) is the perfect example of what a troublemaker stock is. A troublemaker stock is an investment that is not secured. The problem with Colabor Group Inc. (GCL) is that the company made a bunch of acquisitions one after the other, very very quickly. The Fonds de solidarité FTQ has offered an unsecured subordinated loan of 15 millions. Nice, but it could not be enough to secure Colabor high dividend yield of 10%.

I won’t recommend to any of you readers to invest in GCL at this time. Richard Dufour of La Presse reported that GCL may be paying a too high dividend. Could Colabor Group Inc. (GCL) be the next Yellow Media Inc. (YLO)? It could be. Before falling into the state of a penny stock, YLO was paying a generous dividend of 12%.

I consider myself lucky. Currently, I am experiencing a capital loss of 185.60$ on Colabor Group Inc. (GCL). I am looking forward to reduce my position in Colabor Group Inc. (GCL).

In a lot of ways, my investment in Colabor Group Inc. (GCL) has a lot in common with another Quebec company I unfortunately hold in my portfolio, Rogers Sugar Inc. (RSI). RSI value price is under what I had paid for it. At a bit more than 6%, the dividend yield is reasonable, but the RSI is not a stock that grow in value, no matter how good or how bad the economy is going. From what I remember, I never made a capital gain on this one. I am currently experiencing a capital loss of 37.87$ on this stock, which I have to say, is not too bad. However, I would like to reduce my position in Rogers Sugar Inc. (RSI).

In the past for me, it was a dividend rally. My goal was to increase my dividend income. But focusing too much on the dividend income can be a trap. Some small caps can turn into very ugly situation. Here on the dividend girl blog, we have experiment a variety of ugly situation. Remember Yellow Media Inc. (YLO)? That was very nasty ugly. And just recently, Heather Munroe-Blum, the principal and vice-chancellor of McGill University herself resign from involvement in Yellow Media inc. (YLO). I wonder if she’ll resign from Royal Bank as well. Anyway, I don’t care about RBC, I do not hold RBC Royal Bank (RBC) in my portfolio and I don’t suggest RBC as an investment. Back on May 12, 2011, Heather Munroe-Blum was purchasing 10 000 stocks of Yellow Media Inc. (YLO). This is the kind of very fresh lady getting overpaid for what she does and making McGill University students overpaying for their tuition fees.

Heather Munroe-Blum is certainly not a reader of the Dividend Girl blog because on May 3, 2011, me, the Dividend Girl, I was selling ALL of my YLO stocks at 4.65$. It was a genius move. I had been able to cash major part of my investment and following what, I had reinvested the money in Exchange Income Corporation (EIF). A brilliant move that Heather Munroe-Blum certainly didn’t follow. I don't think that Heather Munroe-Blum have a good pulse of the stock market.

Some people are dumb enough to enrol in those so calls best universities. McGill University is considered as one of the best university of the country. But is it the case? I don’t think so. You need to be a dumb to enroll at McGill University, agree to pay thousands of $$$ in tuition fee. I mean come on.

I decided to do better than that. :)

No matter what readers are leaving as comment, I perfectly know what I am doing. When I invest in a stock, the stock is perfectly selected to fit in the gem that is my investment portfolio. I am publishing all of the comments to show the stupidity of the readers. I don’t have anything to proof, I don’t feel like having to debate my points because guess what, the stock market, it’s the kind of stuff I handle well and it’s always getting better, better and better.

Let the Dividend Girl be and EXPLOSE in profit.

Tuesday, January 3, 2012

Is it a plane, a jet, a rocket? No, it’s my non-registered portfolio!

Extraordinary gains today for my portfolio! My non-registered portfolio is at... 115 365.97$! The TSX is performing well and my portfolio is simply following the waive and it’s quite cool.

I received Corby Distilleries (CDL.A) special dividend payment today: a really good 190$! I just can’t wait to see this baby DRIP. I should get a good 11 extra stocks. I had been holding CDL.A for quite a while and their recent special dividend payment is a reward I am getting for having the intelligence to hold the company in my portfolio. I know, I know. Holding can simply be the work of a pure genius. LOL! I also received a 17$+ from Methanex Corporation (MX).

I had been holding for quite sometime and I just cannot wait to see MX flying back to the old 30$ per stock. I made my purchase at half of that price a couple years ago. There’s big profit on the way, especially if the TSX decided to fly straight to the 13 000 points. Which I hope will be soon. If the US can create more jobs and if the situation remain stable in Europe, I may have my chances to get a 200 000$ portfolio value by the end of 2012. Stay tune, we’ll see what happen next.

Data Group Income Fund (DGI.UN) is now turning into a corporation of the name of Data Group Inc. (DGI). In result, Data Group Inc. (DGI) had fly to the very closed 4$ today, closing oday January 3....2012 session at 3.99$.

I had indirectly loss 1 647.87$ with this investment. I made my purchased at 6$+ per share. I am losing a lot on this one but it’s not something that upset me because when I made my investment in DGI.UN sometime in 2011, I was pleased to invest in the company. I loved what I had read about them and I also appreciate their dividend yield. If you had bought this one at an appropriate time, DGI could turn into a gold of mine for you. But if, like me, you had invested in DGI when the units were at 6$+, well, patience my dear. DGI had confirmed that their dividend will remain the same and that they are able to pay it. The dividend yield is now at 17.25%, because of the low value of the stock.

If I wasn’t already holding DGI, I wouldn’t be investing in DGI because I had now turned myself into a blue chips junkie. And it had paid off. Seek for yourself:

Agrium Inc. (AGU)
Investment made: 950.79$
Investment value now: 1 009.54$

Canadian National Railway Company (CNR)
Investment made: 2 144.40$
Investment value now: 2 390.10$

TransCanada Corporation (TRP)
Investment made: 1 016.74$
Investment value now: 1 097.75$

Enbridge Inc. (ENB)
Investment made: 999.51$
Investment value now: 1 057$

Those are among my latest investments and because they are all high quality blue chips, they had provided a really good return in almost no time. I plan to continue this way. The blue chips strategy is working very well for me. I am rocking the TSX as always. The stock market? It’s all MINE. It’s an absurdity under my own power. Fact is, a regular Beauty Queen Next Door can easily make big bucks on the stock market. Investing is simple as ABC once you get the real basics.

But what are the real basic rules of investing by the way?

A few things: diversification in different companies, in different sector. Do not invest too much of your money on the same spot. Derek Foster old picks of the Stop Working and the Lazy Investors are still good for today’s market condition. Don’t be afraid of the market volatility. The stock market goes up-and-down, up-and-down, up-and-down, it’s always the same scheme, especially in a very rough economic situation, so you are better getting use to it. Invest in blue chips. Don’t focus exclusively on dividend yield. Beware of high dividend yield (like the one that used to offer Yellow Media Inc. (YLO). Don’t invest in Quebec companies: Le Château, Yellow Media, all poorly manage companies who only exist to make you lose money. Boost the Canadian market, not the Quebec one.

I guess it’s about it for now when it comes to the stock market super rules. I might be the only goodness investors out there who still hold Timminco (TIM) is her investment portfolio. It was just a matter of time before it happen but it’s happening now: Timminco (TIM), the ex-darling of a so call investor of the name of Eric Sprott ok, well the ex-darling had been suspended.

I guess Timminco (TIM) will go under a major reorganization. Fact is, Timminco (TIM) never recover from the 2008 stock crashes.

Lesson learns from this Timminco (TIM) disaster. What’s the lesson I learn from Eric Sprott who indirectly made be loss 4k of my own cash?


No matter who in the world had recommended you a stock, it doesn’t matter that it is Eric Sprott or anyone else. No one will be there to help you once you face capital loss. Eric Sprott won't be there for you. No one will. Billionaires like Eric Sprott are the modern gansters. Remember that.

And also remember that:


Now that you know all that, you should be doing fine :0)

I follow that tip when troubles began for the really shitty Yellow Media Inc. (YLO) and I had been able to save thousands of dollars. Luckily, I reinvested at the time the money in Exchange Income Corporation (EIF) and just go see for yourself how well Exchange Income Corporation (EIF) is doing at this time.

Exchange Income Corporation (EIF) is among my top performers. Exchange Income Corporation (EIF) is doing better than ever.

I know, I am pretty amazing.

Capital loss? Hummmmmmm. Seem like my top performers like EIF are simply going to simply erase all that.

I am a bit heartbroken to learn that Timminco (TIM) had declared bankruptcy. I was hoping for a recovery. I just hope that Timminco won’t get delisted from the TSX. If it does, I will be losing all my chances of recovery. But in a way, I had enough of having that poor little Timminco in my portfolio.

So bye bye Timminco (TIM). See you next time. See you in hell.

Sunday, January 1, 2012

How to win big bucks on gambling slot machines... or almost

To celebrate the first day of the year 2012, I went for a visit at my local casino. I usually go there once in a while. It was my second visit in a matter of couple days. On my last visit, I had lost 15 bucks. But today, I catch up nicely, as I made 56$. I had feed the slot machine of 20$ and it decided to treat me nicely, ranking to the 76$.

My favorite slot machine game is Cherry Rain. Cherry Rain is a fun slot games. Among the way, I came with some tips that I now followed each and single time I visit the Casino to play at Cherry Rain.

It’s only a game, nothing more

First of all, when visiting a casino, you have to understand that you are not there to make big bucks. The whole thing is a game made for entertainment purposes only. 

Leave your banking and credit card at home

For the past couple weeks, I never played more than 20$ each time I visit the casino. I played 40$ once and lose it all and learned my lesson. I bring my purse and wallet with me, but it never crossed my mind to withdraw money from one of those ATM machine available right there at the casino to just feed up more the machine. To protect yourself, you might like to leave your banking cards and credit cards at home while visiting a Casino.

Cash out when you win

I played the Cherry Rain game a multiple times on slot machines and my best advice will be: whenever you win 20$+, simply cash out.

Each and single time I continued to play following a major winning gain (that would be 20$ and up for me), and that I continued to play, each and single times, I lost everything.

If you make a 20$+ on a slot machine, remember: CASH OUT or you’ll lose ALL the cash. It’s really important to stay in control. Don’t have the slot machine have the last word on you.

That’s how I made 56$ out of nothing today!

Bid more and less, drive the slot machine gambling crazy over you

I like to bid at 45 cents per shot. I sometime decreased the bid at 35 cents. Following what, I increased it at 45 cents, decreased it to 25 cents, and after, increased it to 45 cents. I go on a yo-yo basis. I increased the bid, I decreased the bid, I increased, I decreased, etc. Usually, those casino slots answered well to such treatment.

The following post was made for entertainment only. Don’t ever think that you can make money at the casino or you’ll fall into a gaming trap that can be very evil and ugly.

Thank you

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