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Tuesday, December 15, 2015

Cash will always be king

Today, I find a 5 dollars bill on the ground on my way to work and it make my day! It was all wet because of the rain but never mind, I used the $5 to pay for my morning coffee. Its all I needed to forget about how bad my portfolio is doing right now. I am good to find things on the ground. I once find 2 $20 bills outside a bar, $10, $2. I found several metro pass, credit cards, debit cards, health cards... Finding money on the ground is one of the most exciting things ever at the time it happen.

Today TSX gains made things easier for my very delicate non-registered portfolio - it closed today session at $119 151.15. Its really not easy to be an investor these days. My portfolio look ugly ugly. While being 100% invested, its really hard to face such market volatility. Investing is fun when the stock market is gaining points, but it become less interesting when the market points on the opposite direction. 

In those difficult times, I like to put my focus on other things, among other, on my beauty blog, on my weight loss, on my job???!!!

Yes. Also.

It doesn't feel good loosing a chuck of money on the stock market. You get to feel empty inside and like real shit. While being stuck right in a stock recession, our weakness appears more. My financial weakness is to be 100% invested and not to have more money in my bank account. But an investor remain an investor - its hard to resist the appeal of the stock market. And its even harder when you had experiment the best like the worst of what it had to give.

Monday, December 14, 2015

This year, the TSX stole Christmas

Christmas is coming soon, but no matter what, the TSX is not treating its investors very kindly lately!! My non-registered portfolio closed at a terribly low $118 185.74. But no panic. Its just money.


I don't know for you, but when I see how deep low the TSX is going right now, its just wanna make me... RETURN MY CHRISTMAS GIFTS RIGHT DOWN TO THE STORE. (I am just kidding, of course). So far, I spent $140 on Christmas gifts. Once completed, I guess I will be around $240, very reasonable. I only have my bus ticket to pay for after that.

We can say that this year, the TSX stole Christmas! This is a nightmare coming to live.

I really wanted to see the year closed on a more positive note, but its seem like 2015 had been the shittiest of the shittiest of all.

Tuesday, December 8, 2015

And what if Donald Trump was right after all regarding his Muslims ban proposal?

Yesterday, my non-registered portfolio closed at $121 220. Today, my non-registered portfolio closed at $120 595.97. Is it going to continue going lower and lower like that or what??!! This is rough and not fun at all. At 35 years old, I was imaging myself as pretty as I am, but in much much better financial situation! Anyway, when the market drop like this, I know the drill. The best is to ignore what's going on and act like it doesn't matter. 

While we are waiting to "welcome" 25 000 Syrian refugees, our stock market is going all the way down, real Canadians are losing their jobs, Liberal party had cut our TFSA contribution to $5 500, we'll soon going to face deep red deficit from that same government... Should we really welcoming as many refugees? Canada is not strong enough financially speaking to cover such heavy costs. The mayor of Montreal Denis Coderre had hired a special adviser to co-ordinate Montreal's efforts to welcome Syrian  refugees. And to do so, Micheal Dorais, our new refugee coordinator, will earn $1800 per day! Its so scandalous, especially knowing how heavily tax are the homeowners here in Montreal. 

I would be curious to know how much it will cost us, Canadians, to welcome 25 000 Syrian refugees. But this is not a straight cost. Because it will take several years for those refugees to learn the language and find a job. And during that time, it will be our tax money that will feed those Muslims. 

There's a lot of common sense in the message that is trying to deliver Donald Trump these days. While facing the possibility of having to deal again with terrorist attacks, its just really logical to ban everyone who's Muslim from entering the country. Its of a perfect logic. Its unfortunately not possible to tell who are the good Muslims from the bad. And while facing the possibility of a "maybe" a another terrorist attack could happen, well, its the government to play its role and protect the citizens.

After all, look at what had build Muslims around the world. There's no success stories to tell. The Muslim religion itself had grow strong and stronger while facing wars. Muslims have to deal with their heritage. Its not our duty to live and pay for them.

At a time of incertitude, we need to fight for ourselves, not for Muslims that we don't know anything about. Life and the well-being of our country is to precious to take any chances, but Justin Trudeau is truly disconnected and live in a world of dreams.

Monday, December 7, 2015

What we need to remember from Guy Turcotte second trial

It took a second trial, but at the second one, Guy Turcotte received a second degree murder verdict. My wild guess is that if a third trial would had been launched, it would probably caused mental illness to Isabelle Gaston, but Guy Turcotte could had received the sentence he truly deserved: first degree murder for killing his two children. But hey, I am wondering, since Quebec justice is so unsubstantial and incompetent, I am surprise to see that things are going to stop here. Is the show really over now?

In Quebec, the justice system is as sick as the criminals who directly benefit from its lack of intelligence and integrity. While living in Quebec province, outsiders like myself are directly exposed to a reality in which its not good to live. Quebeckers are really sick people. Never put your trust in them. 

Guy Turcotte trials were the mirror of Quebec society of today: selfish, of pure arrogance and miserable. I can read all of the stupidity of Quebec society in the conduct of what had been a second long trial - one wasn't enough, it took a second one. And during that time, other causes cannot find their way to a judge. A man killed his children, and he haven't been punished. And still today, Guy Turcotte did not received the sentence he deserved. In Quebec, justice doesn't exist. Its not possible to have a good life here.

And its exactly the kind of things that define Quebec province. In many ways, I find that Denis Coderre shares a lot in common with Guy Turcotte. Not that Denis Coderre had killed anyone - at least not of what we know of - but I find Montreal mayor has the same deep arrogance as Guy Turcotte. Denis Coderre believe he's capable of everything, and so did Guy Turcotte. He had the power, and used it to defend his own interests.

Education, health and justice system - they're a bunch of stuff that is not doing ok in Quebec. A poorer province like New Brunswick is much more efficient. In New Brunswick, it doesn't take days at the hospital to see a doctor. In New Brunswick, we don't let our children go in schools who are rotten to the core. Fact is, Quebec arrogance had build many disparities over the year and with these disparities come the incapacity of dealing with their own richness.

I thank God everyday for making me a New Brunswicker.


Wednesday, December 2, 2015

Can the TSX stock market hit on back the 14 000 points by the end of the trading year?

For one day - yesterday - we were back in business! The TSX gains almost 200 point yesterday. Its feeling good, and in result, my non-registered portfolio closed the session at $127 074.61. I am secretly dreaming that the TSX will closed this super shitty trading year on the 14 000 points. But am I dreaming too much?

**If you dislike my writing about personal finance, always feel free to click right on here to try something new**

Oil sectors had left many unemployed. Its truly heartbreaking to read testimonies of Alberta workers who are having a real hard time. The value of houses had decreased in area of Fort McMurray and time will come when banks will suffer from all the monetary loses. Recently, BMO and Scotia Bank announced enormous profits. I guess that helped in yesterday gains.

But sooner or later, the TSX is going to go down hard - one more time. Liberal government is not helping in any way. We are dealing with real issues in Canada. We cannot afford to overspend - but already - Justin Trudeau is hiring TWO nannies to take care of his 3 children. But why is that? Hew wife Sophie Grégoire doesn't currently have no real job, she doesn't have any occupation. Grégoire is a stay-at-home mom. So why does Justin Trudeau is employing two nannies to take care of his family? Its because Sophie Grégoire is a lazy bitch who want to play her first lady role and want all the advantages associated with it, including employing nannies using our tax money. And more than anything else, Sophie Grégoire want to be "a lady of the world". But she's not. When that woman speaks, she sound retarded.

I am not a fan of Justin Trudeau. He's not the man Canada needs but Canadians were not bright enough to see that clearly. We are going to go down in mountains of debt, oil sector will probably remains as it is for a while, banks are going to make less money and... the stock market will go down, again and again and again.

Monday, November 30, 2015

Dror Bar-Natan: this immigrate lied at the Canadian citizenship ceremony and we let him be

How many little bastards like Dror Bar-Natan do we welcome in Canada as new citizens each year? Don't tell me or you'll make me cry.

Dror Bar-Natanwas is born in Israel. If you watch the news just a bit, you might know that Israel is not a country in peace. I don't quite understand this, but apparently, he's a professor at the University of Toronto Department of Mathematics. That kind of give you the very poor level of education giving at the University of Toronto.

Dror Bar-Natanwas is a big fat liar. Soon after stepping out from his Canadian citizenship ceremony, "professor" Dror Bar-Natanwas recant oath to the Queen. This mean that during his Canadian citizenship ceremony, that man declared to be faithful and bear true allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors. That is a rule to become a Canadian citizens. However, Dror Bar-Natanwas wasn't true to his words. Right after getting out of his Canadian citizenship ceremony, Dror Bar-Natanwas disavowed the mandatory Oath of Allegiance to the Queen.

How come we tolerate those kind of things? Take that Dror Bar-Natanwas and put the bastard on the first plan to his so love Israel country - we all dream of living there right? 

The allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors is very important. Canada wouldn't be the country that it is today. I am myself born and raised in fabulous New Brunswick, I wear a classic Acadian family name. My ancestors probably came from France. There's almost no doubt about it, I am a real pure blood Acadian. I was once told by my dad that our  ancestor came form Nova Scotia... So right there,  chances are that I am probably from Acadian roots. 

You may know a bit of Acadian history. In 1755, Acadians started being deported from their land where they had build their home and cultivated the ground. The British took it all.

I didn't live all those atrocities, but I am very sure that our well-being that we have today in Canada directly results from the British heritage. This is why today I have money to invest and that I can make money on the TSX.  

Check out for yourself: Commonwealth countries are all good rich countries. On the other side, look what happen to France colonies - they are all poor. Each year, many immigrates come directly from France - they come here massively and take jobs that don't belong to them here in Canada. They enrich themselves on our back and during that time, some Canadian suffers, like the workers from the oil sectors, for example, or even new "real blood Canadian" young graduates.

We are extremely weak to let immigrates like Dror Bar-Natanwasto make fun of us, to not respect our heritage. Because our heritage is what had made the Canada of today.

Dror Bar-Natanwasto: go back to your lovely in war Israel country and finish in hell!

Saturday, November 28, 2015

These days, boring is the usual on the TSX stock market

These days, the TSX could be what we could say "stable". No real gain, no real lost. Just a stock market that is there to annoy investors. Such stock market conditions are really not interesting at this point.  2015 is about to pass over and nothing much will be left of it in my memory.

On this Black Friday, my non-registered portfolio closed the session at $125 720.31. Nothing to be much excited about, but still, I am exceeding the 125k. My margin usage is at $65 844.02. I try to stay on the 65k. So let say that my financial situation is "ok" at this time. the stock market is not giving u the chance to get very enthusiasm and excited. This had become the usual these days. Very BORING.

I went to the Black Friday, but I didn't need anything. And it was raining like crazy and I didn't have an umbrella so I hit home quite quickly. I currently have everything I need to face the winter and I am trying to control my expenses. I bought a new pair of boots last year. I recently bought a new pair of jeans (really needed) a new purse at Aldo (no so needed) and a winter little hat. Those were the Christmas gifts from me-to-me. When a girl has a new purse, its like she has change of skin. Like a sexy snake.

Black Friday makes it the perfect time to buy a winter coat, boats or whatever else - but only if you need it.
When you have one winter coat, one pair of boots, one pair of shoes, a few nice tops, a few pair of pants, makeup, a few fake jewelries... Really, a nice girl doesn't need more. And that leave plenty of place for investment, or at least it make things much easier. However, I do spent a bit more than what is post on here - that being really the minimum. Control is the key and if you can control the way you spend your valuable money, you'll become powerful, and very sexy.

Have a nice Saturday.

Tuesday, November 24, 2015

Syrian refugees shouldn't be welcome in Canada

France, not only because of its recent terrorist attack, know what is like to deal with immigration problems. They have "HLM" where immigrants are jam pack, a lot of them are Muslims. People who live there live in hell. Drugs, prostitution, radicalization, school dropout... Its very sad, but while opening our doors to immigration, we also open the door to those kind of problems which cost a lot of money to deal with.

Immigration problem is one of the reason why France is so economically poor.

Canadian society is not made for Syrian immigrants. First, there's a religion problem. In Syria, they have their little Muslim routine, they pray, etc... But here in Canada, we live our daily live free of any religion. Our society system is not strong enough to welcome refugees because we let people do whatever they want. If a girl want to wear a hijab, she can. And see the results in France.

In France, immigration problems have nothing to do with Paris terrorist attack. The problem is so more complex and bigger than that. When you remove individuals from all they know to put them in a new environment they don't know anything about, don't expect things to go well. Its not ok to take poor refugees, bring them to Canada, force them to learn English and French and expect them to make a living by their own. By doing so, we are condemning Syrian refugees to eternal poverty. 

In the meantime, who is helping the workers who lost their job in the oil sector? What are we doing to help our own citizens? Nothing is being done. But we are willing to spend millions of dollars to welcome poor Syrian refugees who don't practice a decent religion and who don't speak either French or English.

Syrian refugees need help, but its not Canada responsibility to take. It doesn't make any sense to bring those people here. Syrian should reside in Muslim countries. Many of Syrian refugees live in Jordan. They should simply stay there. We could help Jordan to build infrastructures, schools, etc for those refugees, but taking them and bring 25 000 of them in Canada is foolish. Syrian refugees had to give up on their country, do they really have to give up on what is being left of them? I don't think so. Welcoming refugees is certainly good for Justin Trudeau image, but it will create all kind of problems, to Syrian refugees and Canadians people.

We'll have to do like in France, build HLM for Syrian refugees to live in because they don't have enough to pay their rent. And they cannot pay rent because they cannot find work... they cannot find work because they don't speak and don't understand our language... Its a vicious circle and I don't think Justin Trudeau truly understand in what kind of shit he's driving us in. Its very arrogant in a way. Its a decision made without any sensibility and without any respect to us.

Sunday, November 22, 2015

Hydro One Limited (H) is giving a nice little punch to the TSX

After being left almost constipated by Montreal flushgate, I was hoping for better days. But after that came Paris terrorist attack. However, the stock market went in the opposite direction and surprise, gains in points.

YES. Today world is a crazy hell.

At now $126 120.14, my non-registered portfolio is in a better posture, but its still behind the usual 135k where I should be. Especially after investing a bit more than 2k in Hydro One Limited (H). I do not regret my investment in Hydro One, it make a great addition to my portfolio. Best thing of all, my investment in Hydro One Limited (H) had gain 2.86% in value. And I have a few stocks like that who are performing very well. Thanks to all of them, my non-registered portfolio is exceeding the 125k value. Its a good step in the right direction, but I need a stronger TSX before I can see the same good results as of April 2015

From what I read so far, financially speaking, 2016 should be a better year. I am not an anxious person, but the taught of having my shit going straight to St Laurent river had impacted on my way of living for a few days. And the stock market volatility had an impact on my everyday life. St Laurent River? The moron who is the Montreal mayor Denis Coderre don't give a damn. Reactions haven't been very strong on what was happening. This is so disgusting. We are going to die in hell for letting this happen.

Reality check being, I am very happy not be a Quebecker. I couldn't live with myself if it was the case.

Currently, since the flushgate is over, my only concern of the time is my margin which is at $67 296. Its a bit high for margin usage.

Tuesday, November 17, 2015

While dealing with a mix of insecurities, saving money is the best you can do. Advice of a Dividend Girl

The stock market is by itself is very strange, like if the world wasn't strange enough by its own. The stock market only enhance everything up. On Friday, Paris suffers from a terrorist attack and on Monday, the TSX was gaining closed to 2%, and in results, my non-registered closed yesterday session at $126 567.19. Today, my non-registered portfolio closed at $126 353. 

From a day to another, the market go up or down... its a real circus out there. No need to rush to invest my money because:
1) I have no ideas in what to invest.
2) Markets are frightening. Each business day, I hold my breath.
3) I need more savings.

With today world being all upside down, one of the most valuable thing to have is savings. A mistake that can be easily done is to think of your investments who are on the stock market as savings. Investments are not savings because investments are out of reach. I would never sell my stock portfolio, no reason what. Knowing that, what would I do if I need money?

I don't know, I only have 1k in my banking account.

This is not a normal situation. I have a non-registered portfolio of $126 353 on the stock market and I barely have no savings at all.

I am such a bad bad girl. We can all agree on that one and single thing at least.

During time of insecurity, focus should be made on savings.

Save, save and save.

Sunday, November 15, 2015

My annual dividend income is now at $6 173.34

Even with my latest investment in Hydro One Limited (H), my non-registered portfolio closed Friday session at a low $124 582.79. Normally, in a good stock market position, I probably be on the $135 000 mark right now. Its no surprise, with a TSX as low as 13 075.42 points, no one can really be on top of the game. And this way, part of the great good excitement and magnificent of investing in stocks is being lost. We all invest to make money, but sometimes, it take more time than what it was initially expected. 

I am willing to take the time it will take. In the meantime, with the addition of Hydro One Limited (H), my annual dividend income is at $6 173.34. Hydro One Limited (H) will probably pay a dividend yield between 4 and 4.4 percent. This is a reasonable dividend distribution. Overall, I think that Hydro One make an interesting investment to any portfolio. I like the idea of holding a company that is partly also own by the province of Ontario. That was my main reason behind my turn on.

The second half of 2015 had been very rough for me. For the first time in several months, something "new" catch on my attention. I felt the same good old excitement as before. Each time you invest should be a celebration and its definitively bring on some good vibes. I felt a bit of that withe my investment in Hydro One Limited (H). From I saw inside my non-registered portfolio with TD Waterhouse, Hydro One Limited (H) has a margin loan value of 50% - which is very good.

A good margin loan value doesn't necessarily mean that an investment is of good quality, but its certainly a positive indication. I don't think that TD Waterhouse would had gave a margin loan value of 50% to Hydro One Limited (H) if that company didn't have value at all. See what I mean? TD won't never openly admit it, but margin loan value can certainly use as in indicator of how well a stock is doing.And with my little knowledge, I like to rely on straight indicators like margin loan value.

Saturday, November 14, 2015

Canada needs to fight the Islamic State

I learned about the terrorists attack in Paris with a great sadness. Its hard to imagine what actually happen there, in such a beautiful city that I had the chance to visit a few times in my life. Charlie Hebdo attack was less frightening in the sense that it was more understandable. 

Its very unfortunate, but we need to actively fight the Islamic State. If Canada remain just a peacekeeper without taking part in the combats - the Islamic State could one day become reality. And if it happen, we'll be stuck with it for the long run. Canadian military absolutely need to stand up and join the rank of the Kurds to irradiate terrorists. Justin Trudeau position is weak, and not one of a true leader. If we don't do nothing, Islamic State will grow and we could find ourselves in the same position as Syria one day - even if its seem something impossible right now. 

Its not true that such atrocities cannot happen here, especially knowing that 25 000 Syrian refugees will arrive in Canada soon. We could suffer badly from not taking charge now. And welcoming so many refugees is a very bad idea. Those people need to stay in Europe. ONU need to take care of them and build refugee camps. Its a stupid move that those poor people are doing each time they take the road to hit another city. But the worst is to see them pack in small boats, desperately trying to reach another land. Why the international community is watching and letting them do such thing? Of course, I would be doing the same if I were in their position, but what is not understandable, is that Canada is watching without doing nothing. Welcoming refugees won't solve the problem and I don't think we should welcome any of them.

Its again very unfortunate, but among those refugees, there's terrorists and its mostly impossible to detect the good from the bad people. And for that specific reason, ONU need to take charge, build up some camp, or a city somewhere specially made for those refugees. Its the only honest and tangible solution to such dramatic problems. But we cannot take the problems and bring them to Canada.

That is my position regarding the Islamic State and Syrian refugees.

Sunday, November 8, 2015

Welcome in my non-registered portfolio Hydro One Limited (H)!

Surprise... This past week, I bough some shares of Hydro One Limited (H) for my non-registered portfolio. This wasn't really plan. The year 2015 is coming to the end and I want it to end in a great way. I didn't invest much in 2015. Overall, 2015 had been a shitty year for the Canadian stock market. 

Following April 2015, everything went wrong. But on April 2015, I was on top of my game, I had $205 871 invested, with a new worth of $139 599. I was on my way for a net worth of $150 000 when the stock market began to show serious signs of extreme volatility. My dream of getting on a $150 000 net worth fly away.

Anyway, I got very excited about Hydro One Limited (H). H had been a market for less than a week, but its exciting because its going to pay between 4 to 4.4 dividend yield distribution. I like what I read so far about Hydro One Limited (H). For a moment, I remember what it was to feel excited about something. 

Yes, Hydro One Limited (H) turn me on.

RRSP investments might be a good thing after all

I call my mother this evening and she had bad news. Its regarding her teeth. My mother family side suffer from a condition, genetic I guess, that slowly attack the health of their teeth as soon they get in their late 50s, 60s. With age, the root of their teeth seriously rotted. Not because they don't brush their teeth, but its a condition that attack their teeth from their inside. My mother had one of her back teeth remove last year. This year, she had a tooth fix, but no matter what, the tooth remain sensible and she feel something when, for instance, she drink her coffee.

And guess what, the poor girl that I am have the same teeth as my mother family side. I can say that because our teeth look alike. We almost have straight teeth, but not exactly because of one left front tooth is higher than the other ones... Its one of my mother family side trademark. So I guess I will be suffering from the same condition when I will hit my fifties but keep reading until I reach that venerable age. My mother doesn't have health insurance, so this is going to cost her a bunch of money.

That was the bad news. Imagine having extra sensible teeth. It must be a daily pain. It seem to me that my RRSP money is going to serve at something after all one day... I prefer teeth problem rather than having earring problems like Gordon Pape.

Otherwise, its seem to be the only default to my beautiful genetic.

Tuesday, November 3, 2015

Welcome in my TFSA JFT Strategies Fund (JFS.UN)!

Finally, I now hold some JFT Strategies Fund (JFS.UN) units inside my TFSA. It happen early this morning. I am very busy at work these days, so I didn't have time to do the fantastic investment move earlier.

JFT Strategies Fund (JFS.UN) won't bring in any dividend - but it could pay a special dividend like it did in the past. However, I dream of holding JFS.UN inside my TFSA for a very long time now because I wanted to get my hands on some capital gain - free of tax.

My thing is to sell a few units of JFT Strategies Fund (JFS.UN) whenever my investment gain $510 in value. This could happen every 2 years or so if lucky, on a 2k investment.

Following this new investment inside my TFSA, I still have left a contribution room of $18 225. Its a shame, but because of my margin account situation inside my non-registered portfolio, its sometime hard to invest inside a register account.

Monday, November 2, 2015

Lou Schizas review MY stock darling: New Flyer Industries Inc. (NFI)

In his latest column in the Globe and Mail, Lou Schizas reviewed a stock that I hold inside my non-registered portfolio: New Flyer Industries Inc. (NFI). Personally, I had been holding on the NFI since January 2011. The beauty of writing a financial blog is that it help to keep track of absolutely everything. Really everything.

It haven't always been easy to hold on to NFI, but I hold and collect dividend, as well as capital gain. For those of you like me who had been holding to New Flyer Industries Inc. (NFI), NFI is a good investment. The holding absolutely worth it. However, for those who are not invested in NFI and are thinking about jumping it now, I don't know if its a good time. In the sense that NFI currently trade at its highest and bus business is like jet and airplane business - talk about it to Bombardier Inc. - it can be volatile.

Unfortunately these days, the stock market is a volatile place. So its very hard to say invest in this or that. OR don't invest in this...

Gold and silver are definitely a big NO NO - at least from me.

Thursday, October 29, 2015

Sign Working Canadians petition to keep the TFSA contribution limit to $10 000

Liberals of Justin Trudeau had won the majority and unfortunately for investors, the Liberal party is looking forward to decrease TFSA annual contribution to $5 500, which is very sad. A $10 000 annual contribution is very perfect. It leave plenty of room for saving. Saving grow tax free and best thing of all, if a back luck happen, you lose your job or you just need money to cover whatever purpose, you can withdraw any amount wanted without facing any penalties.

Is not the case with RRSP and its the main reason why I stop adding money to my RRSP. I need money now. When I will be old and grey, I don't care. I will eat in the garbage if I don't have any money left! No one should ever care about senior days because when youth is all fade away and that you need to face lift just to look presentable, well, I guess that it just not a life. It is certainly not the type of older days I want. Money need to be enjoy and invest now.

Sorry for all the seniors who might be reading. But no worries, plastic surgery DO exist.

On a more serious note.

In order to keep all the privileges associated with the TFSA, especially its generous $10 000 annual contribution, we all need to act and act now mean to do like I did and sign the Working Canadians petition

Act now before its too late.

Wednesday, October 28, 2015

Bombardier Inc. (BBD.B): another Quebec flop

Long time ago, I used to hold some Bombardier Inc. (BBD.B) stocks inside my non-registered portfolio. I used to be quite excited about the CSeries and all of that Bombardier stuff. But I didn't like Bombardier lack of leadership. I mean, when you make announcements, and later on, you cannot even respect your initial engagements... Even if such lack of engagement is not surprising coming from a Quebec business, I was hoping for something better coming from one of my investment choice. Because after all, I am an investor princess and I make great decisions.

I am adventurous. I like to invest my hard earn money, its in my nature, I cannot help it. Anyway, later on, I sell at profit. And I never came back to Bombardier Inc. (BBD.B) ever again.

And now, Quebec government came up with a very bad idea: to help Bombardier Inc. using Quebec taxes. Unfortunately, I live in Quebec, its not by choice. Its not because I like it here. Its strictly and only for monetary reasons and nothing else. However, Quebec want to use my tax money to help a company that only had showed bad leadership moves one after the other and cannot handle it.

When government decided to help x or x company, its always for a good reason. Its mean deep trouble. And you should always stay away from businesses who cannot survive by their own selves. Stay away from trouble.

Tuesday, October 27, 2015

Couting every dividend pennies: update on my annual dividend earnings

Its not easy to be an investor these days. This past Friday, my non-registered portfolio was about to hit on the 130k mark. At $129 297, I was super close! But what was hot and true yesterday is today no more... Today, my non-registered portfolio closed at $125 247.25. What is that??!!! I feel like screaming, just like Adele: HELLO... Yo which I could add: where had gone my money....

I used to be much more glamorous. I used to be a super investment girl. Remember these old days, not so old? Back on date of April of this year, my non-registered portfolio was was at $137 000 - its highest value ever recorded. I was about to hit on $140 000 when everything collapse. What a bad surprise. I can't wait to see a TSX going back to the 15 000 points. Is it too much to ask?

During volatile times, my portfolio goes up and down. And in those hard time, I am not the best investor. When the market is down, I don't like it. I don't feel it as a great time to invest. I am just in the mood to invest. But without investing, my life get very boring and ordinary. Believe it or not, I have $2 000 available to invest and guess what, its not yet invested!!

I hold JFT Strategies Fund (JFS.UN) in both RRSP and non-registered account. I am thinking of adding some more of those gold units one more time in my portfolio, this time in my TFSA. For any investment portfolio, JFT Strategies Fund (JFS.UN) is bullet proof against the stock market volatility. The fact that the stock market goes up and down like crazy barely have any effects on the JFT Strategies Fund (JFS.UN). The capital gain on JFS.UN had been super great. Personally, what I like to do with the JFT Strategies Fund (JFS.UN) is to watch up it gain $510 in capital gain and when it does, girl do her thing, she sell and enjoy the free cash.

I always knew I was going to make my bucks on the back of Jean-François Tardif. HELLO SUPER CASH. In the immediate, my investment in JFS.UN won't bring anything in term of dividend, but I do remember one time when the fund had proceed with a special dividend distribution. When everything collapse around you, JFS.UN just keep going.

Recently, a bad surprise was the lost of Sprott Strategic Fixed Income Fund (SFI.UN) inside my TFSA. Following what, I was curious to see at how much I am at in term of dividend earnings. After calculations, my annual dividend income is of $6 089.34, the equivalent of $507.50 per month. I wasn't earning much from Sprott Strategic Fixed Income Fund (SFI.UN), but still, dividend money being so hard to earn, every penny counts. I was earning $23.50 per year from my old SFI.UN.

I would be very happy to reach a dividend annual income of $12 000. And that make me regret all of the money I had invested in my RRSP. If I could go back in times, I wouldn't invested anything inside my RRSP.

Wednesday, October 21, 2015

October 21, 2015: The Future start HERE

I adore the Back to the Future movies. I don't get tired of it. And today, we are in the future!

I just would like to be a little richer. Otherwise, future is almost perfect.

Tuesday, October 20, 2015

Sprott Strategic Fixed Income Fund (SFI.UN) is terminated. Done. Over

During my vacations in October, something happen to Sprott Strategic Fixed Income Fund (SFI.UN). SFI.UN is no longer active on the TSX. They are such a bunch of losers at Sprott Asset Management LP that they decided to terminate the Sprott Strategic Fixed Income Fund (SFI.UN). I had been holding SFI.UN in my non-registered portfolio 2011. Do no ever invest in any of Sprott Asset Management LP investment products because if you do, you'll only lose money. I also lost a great deal of money by investing in Sprott Canadian Equity Fund.

Make sexy proud and DO NOT INVEST in any of Sprott Asset Management LP products. They are only "products" and don't conduct to any richness at all. Please learn from my mistakes and be f aware.

Since Sprott Strategic Fixed Income Fund (SFI.UN) no longer trade, the losers at Sprott Asset Management decided to sell of shares and provide cash tot heir investors. The Sprott Strategic Fixed Income Fund (SFI.UN) is now behind me. And the cash I received from SFI.UN left me with more than $600 cash inside my TFSA. I currently have a $1 400 available on cash, so a 2k+ will go for investment.

The stock market is very volatile right now. Like we are like so f! Options are limited. Everyone agree with this point: 2-15 is the year to maximize your TFSA contribution because after that, starting 2016, the TFSA annual contribution would drop from $10 000 to $5 500. I currently have $19 625 left available to invest inside my TFSA. Soon, $1 400 will get transfer my TFSA. Following what, I will have $18 225 left... Its still a lot of money, where am I going to take the money from? Well, this bitch is full of resources, staring with a 5k at 3.5%. Great, but I will still have $13 225 left... 

But hey, read this article, and tell me after if you are still interest in the TFSA.

SOooooo confusing! Like always. LOL.

On another note, my non-registered portfolio is getting better. at $128 306.30. I am looking forward to hit on the $130 000.

Monday, October 19, 2015

Bye bye Stephen Harper! And hello... Justin Trudeau?!?!!

I went to vote this evening and I discovered something - I am no longer in Laurier-Sainte-Marie, so I didn't have the opportunity to vote for Hélène Laverdière. However, I vote for Tom Muclair. And he win in Outremont, with the help of my vote.

Middle class across the country massively vote for Justin Trudeau. anything would be better than Stephen Harper, but I don't like Justin Trudeau. Now that Trudeau had been elected, everyone will be waiting for their paycheck. He's not disciplines and strong enough. When he talked, he's always all over the place and he don't really know what he's doing. His counselors are putting words into his mouths. He learned the words, but what will happen now that my worst fear had become Prime Minister of Canada? We didn't need a Quebecker as Prime Minister of this country, its sooo UGLY. 

I never been a fan of Justin Trudeau. The guy is a dumb gummy.

Like expected, the sweet Hélène Laverdière kick off Gilles Duceppe out to the woods! I like that bitch. Her only fault is to be what she never asked to be - a Quebecker.


Sunday, October 18, 2015

Derek Foster is voting for Stephen Harper. Really?

Tomorrow is a big day, its elections day in Canada. And since I am located in Laurier-Sainte-Marie district, I will be voting for Hélène Laverdière of the NDP - New Democratic Party. For the second time in history, I am pretty sure that Gilles Duceppe will be defeat, one more time baby. Go go go Hélène Laverdière! Yeah! This is exciting. I adore Hélène Laverdière.

On another note, someone that I really like decide to vote... for Stephen Harper! Nooo! This is a real nightmare. My Derek Foster is voting for Stephen Harper! NOOOO! I couldn't believe. Its in his latest newsletter that Derek Foster announced that he was going to vote for Harper. His reasons for voting for Stephen Harper appear to be strictly for monetary reasons. And a vote should never be only about money. How in the world can anyone ever vote for Stephen Harper?

The only reason why Derek Foster is voting for Stephen Harper is that we want to see the annual $10 000 contribution to the TFSA being maintain. But that's not a good reason to vote for Stephen Harper. I haven't been able so far to maximize my own TFSA contribution. $10 000 is a lot of money. $5 500 is a more realistic amount for the middle class.

Stephen Harper is not the Prime Minister that Canada need. We need someone more like Tom Muclair who is showing more positiveness and who actually care for Canadians. Stephen Harper haven't been there for Omar Khadr. Stephan Harper closed our door to Syrian immigrates. And there's so many other things that went wrong with Harper. Its almost like we a ghost of our own self. We are not a strong and brave country anymore. Like Derek Foster, the Canadian mass is impotent.

You can vote to whatever candidate you want but at least make me proud and go sign online the petition to free Omar Khadr.

Tuesday, October 13, 2015

Enbridge Income Fund Holdings Inc. (ENF) is looking for investors

Is there anything more exciting in the world than wifi Internet? Especially when you didn't use the Internet for more than an entire week while being in vacation?!!! That's how it felt for me yesterday, even if vacation in New Brunswick means access to cable TV, fresh air (see pictures below) and homemade meal (not made by me).

I don't have the Internet at home in New Brunswick and when I hit the bus on my way back, I couldn't resist, I just needed to connect to the bus wifi to catch up with investment news, my portfolio and emails. The fun didn't last long, a few click, and I already use the Internet I was aloud to use, and following what, I felt asleep. Its actually a great thing not to have Internet access for a few days. These days, the stock market is so volatile that I decided to transfer funds from my credit lines to my margin account in order to avoid any dramatic situation for my margin while being away. I did so, but I could had been good without it.

My investment portfolio is doing better now than what it used to be before my vacation. What a difference a few days can make! I don't know if you remember, but not too long ago, my non-registered was around 121k, and it even went as low as 118k... Its nice to come back from a vacation this way. It seem like the old 137k worth is not that far away now. My non-registered portfolio closed at $128 550.19 this past Friday, what a release. Today, it closed at 116k, but its only because there's a hold applied on Enbridge Income Fund Holdings Inc. (ENF) because an announcement had been made.

ENF is going to release stocks at a cheaper price than what it currently worth. The minimum shares purchased need to be 100, which mean the total investment will be of something like $3 260, commission free. This deal worth it in the case an investor don't already hold Enbridge Income Fund Holdings Inc. (ENF) inside your portfolio. But in my case, I will pass on the offer.

Tuesday, September 29, 2015

Easy going saving money tips for today normal people: a post to be read when the stock market is grey

These days, it might be easier to make money by saving it, rather than investing it. My non-registered is sitting at a very poor $118 051.43. I don't know if things can get worst or not. But this is already very bad. The TSX is so volatile, its unbelievable. The month of September is almost behind us, and it seem that real soon, it will be October. Time do just that, passing by. But it doesn't mean that it need to be the same with money, some need to stay in our pockets.

Before starting a new week, I like to have my apartment clean up and I usually do my laundry too if I have any to do. I do my grocery during the weekend too. And there come the cooking, its the most important part because it allow any nice worker to save a lot of money. I usually do my lunches for the week on Sunday evening. And its better for the health too. There's too much salt in restaurant food and sometime, restaurant food is no always good. Once, I went with some rice, good choice, - but it was tasting disgusting. The rice had the bottom of a burn pan kind of taste. To avoid any more bad surprise and to control my diet better, I try to cook as much as possible. Brown bag is a classic to save money.

Another way to save money is to control the money spend on a daily basis. On a regular ordinary day, my only expense will be my morning coffee. And for the past couple days, I am proud to say that I only buy one coffee per day.

From Monday to Friday, that is the easy part. Its easy to save money while working during days week. But a major problem remain in the weekends. I love to: shop for clothes, buy hair products, get my nails done, drink coffee, drink tea, go to the movies and eat out. Since the summer is officially over, I am done with fun and sexy manicures/pedicures. Done. To have my nails done, its a $40 right there after tip. Its the exact amount that I gave myself to enjoy my weekends: $40 per weekend. The best would be that I keep that $40 in my pockets but hey, I know myself. I won't go far without coffees and stuff...

To plan a budget, you need to know yourself. If you set up rules, you need to be aware that you'll have to respect them. Since the stock market is all grey and shitty, I tried to set up a new budget.

Rent: $635
Weekend money: $160 ($40 per weekend)
Grocery money: $200 ($50 per week)
Cell & Internet: $85
Laundry: $9
Cosmetic and other living need: $200
1 weekday coffee: $52
Total: $1 341

This is tight budget, with no waste, but its realistic to what I can respect on a regular month without any vacations to New Brunswick. I will soon be going to the fabulous land and I can't wait. Ideally, I would need to go once per month for 4 days.

Thursday, September 24, 2015

In desperate times, Jean-François Tardif is investors best friend

Check this out: I am a star!

I am currently watching the French political debate on Radio-Canada. I love Elizabeth May, the others sound like a bunch of clowns that they really are. I actually really like Elizabeth May. She has a great French for someone that is outside Quebec. We don't know her much, its too bad. The more I hear words coming from politician mouth, the more I am getting confuses.

Like always, Liberal Justin Trudeau is just showing off on how much they are good to spend our money. I am against the niqab and Burqa in Canada. If a woman want to cover up, she should stay in her country. Women in this country shouldn't be allowed to wear that. Muslim is not a fundamental religion in Canada. Muslim is all about destruction, intolerance and war. We need to remain leaders in our country. Niqab or burqa are not Canadian symbols, they shouldn't be tolerate in any ways. We are losing who we are with such debate. If I decided to go live let say in Iraq or another disturbing country, I will have to cover up. If an Iraq woman decided to come and live in Canada, she needs to adjust to the country. Its not racist, its only damn common sense. I am clearly with uncle Stephen Harper when it come to the ban of the niqabs, among other things. We shouldn't open the door to extremist and to values that are not ours. If immigrants want to come to Canada, they need to adjust.

Other than g-r-e-a-t Canadian politic, the value of my non-registered portfolio is down to $120 522.67. But during that time, my New Flyer Industries Inc. (NFI) stocks are stronger than ever. My investment in Exchange Income Corporation (EIF) is doing very well too. And I have a few others who are doing very well.

A bunch of stocks are going down, but another cool player is JFT Strategies Fund (JFS.UN). I am a very bright investor because years ago, I invested in the JFT Strategies Fund (JFS.UN) and since I had been holding to my shares, I sell some as soon as my investment worth $2 510, I sell for $500 and enjoy the cash. Its soon going to happen again, my investment in JFS.UN is very close to the $2 500 and I can't wait to get my hands on that $500.

The stock market is a rough place to be, but there's always pearl we can rely on and the JFT Strategies Fund (JFS.UN) is one of them. JFS.UN units of Jean-François Tardif just keep going up when everything goes down. Be happy investors and smile because Jean-François Tardif and his JFT Strategies Fund (JFS.UN) are there for you.

  • Niqab: This type is like the hijab, except it also covers part of the face, leaving only the eyes visible.
  • Burqa
  • - See more at:
  • Niqab: This type is like the hijab, except it also covers part of the face, leaving only the eyes visible.
  • Burqa
  • - See more at:

    Wednesday, September 23, 2015

    Follow Derek Foster words: "Reject fashion and hyper-consumption and only buy what truly adds value to your life"

    When the TSX go down and that it seem it could go down much more... there's nothing much we can do about it, despite all the frustrations. But hey, repeat Derek Foster words with me: "Reject fashion and hyper-consumption and only buy what truly adds value to your life".

    I am rejecting fashion and hyper-consumption of my life.
    I am rejecting fashion and hyper-consumption of my life.
    I am rejecting fashion and hyper-consumption of my life. 

    (I will try).

    Saturday, September 19, 2015

    Investors are forced to pack their TFSA to the maximum contribution before the elections

    Introduction: I hope you all like my blog fresh new skin because I do. From pink to purple.

    Are the good old trading days are gone forever? Don't tell me. I don't really want to know. In those good old days, I used to invest, and shortly after, the investment was easily gaining in capital gain. But its not the case anymore. A little while back, I invest in Canadian Imperial Bank of Commerce (CM). So far, I lost 1,91% on the investment.

    My non-registered portfolio close at a very poor $121 492.37. Back on April 2015, I used to have 205 871.46 in total assets. I had a net worth of close 140k. Everything was all right. But now, I have to deal with the stock market ups and downs. Its not easy. Its not even fun anymore to invest, but I told you that before. And the upcoming elections are not going to be of any help. Stephen Harper is done.

    Liberals like NPD want to cut down our TFSA contribution from $10 000 to $5 500. So now, I am a rush to find money to invest in my TFSA and I feel somewhat confuse. But I know that I will need to take money from a credit line to make it happen.

    More will be post later.

    Tuesday, September 15, 2015

    Natasha St-Pier or the "I am an Acadian" syndrome

    Natasha St-Pier is an Acadian singer from the north of New Brunswick. She's best known for her romantic slow songs. There's currently a polemic surrounding the release of her latest video for the song Tous les Acadiens (a rough French to English translation could be: All the Acadians).

    Natasha St-Pier is more famous in France - and its a really good thing for her. In France, people don't really understand who are the Acadians. In this video, Natasha St-Pier appears wearing a full headdress that normally, is only being wear by native American people.

    In New Brunswick - among other places where Acadians can be find - white Acadians do not dress like native folks for fun. My personal problem is that its not ok for white people - Acadians or not - to dress up like native American people when they are not native themselves. I find it very disturbing.

    In the video, not only that Natasha St-Pier is dress up like a little Pocahontas princess, but in some scenes, she's surrounded by dream catchers. In another scene, Natasha appears in a birch canoe... Come on! French of France are going to love this, but Acadians and Native people - so far, they don't like it that much. 

    I really like the reaction of Marie-Jo Thério to Natasha St-Pier Tous les Acadiens video. Thério said that its a commercial video basically design to please St-Pier oversea public.

    If you want to know what a real Acadian singer look and feel like, Marie-Jo Thério is a killer. This is real, but Natasha St-Pier is not. Not exactly that she's not real, but she's mixing up badly stuff that don't belong to each other. I wouldn't mind if she would be native, but she's not. Its offensive.

    Its hard not to cry when you hear Marie-Jo sings Evangéline... She understands what she is singing.

    I once saw Marie-Jo Thério at a St-Laurent Montreal restaurant once. Unfortunately, I left her alone, I should had asked an autograph. Maybe next time. :-)

    Sunday, September 13, 2015

    Free screening of Rear Window on September 21 at the Cineplex

    There's a few movies that can be really intriguing and leave a strong impression on me. Those movies are almost always some very old movies, which had been produced way before the 1980s. Rear Window of Alfred Hitchcock featuring Grace Kelly is one of those movies. You can watch them several times, and each time, the pleasure is renew.

    The first time I saw Read Window, it was at an outdoor screening during the Montreal World Film Festival. And I adore. We keep watching the same bad crap at TV, I wonder why they don't show those marvelous movies.

    Cineplex - a stock that I hold inside my non-registered portfolio by the way - understood it all and have a Classic Film Series. In September, Cineplex scheduled two FREE screenings of Rear Window: one was today. And I was there today, enjoying a free movie. The second screening will be on September 21 - its not to be miss.

    I really like the Classic Film Series of Cineplex. Usually, the movies showed are not free, tickets are only $6. Back in 2014, I went to the screening of Gone with the Wind. It was in celebration of its 75th anniversary.

    Another great old movie I saw recently was Doctor Zhivago Montreal World Film Festival.

    Thursday, September 10, 2015

    On the TSX right now, tiny little gains are better than nothing

    These days, expectations need to be put low. As soon the TSX gains, let say 20 points, or even 38 oh wait, 38.ZEROFOUR like today, we should all get very very excited. These days are not to be for investors. And it's not a good time to be an investors. Its almost hopeless. Today small gains are the only thing we can bounce of joy on. Chitty market day like any other days.

    To continue on the post of yesterday because today I have nothing to say regarding the TSX or my portfolio, I am totally in favor of a $15 an hour minimum wage. It would be a revolutionary and a beautiful thing to do for Canadians. Its seem like generally speaking, Canadians do not give a shit about anything. We are not a country of warriors, we are not strong in our believe and we don't care about our next neighbor. A $15 minimum wage would represent a powerful tool to motivate those who are voluntary unemployed to get back in the workplace. A $15 wage is a tool for integration and to push away poverty. Its not already fun to work in a call center or in a fast food restaurant. But no matter what, any individual need to make a living.

    By increasing the minimum wage, we are giving the chance for a better future to any Canadians, no matter what. Imagine different scenarios: university students working part-time during school year and full time during the summer; refugees holding on to their first job in Canada; new grads who cannot find right away a job in their sector... and so on. Wouldn't be a wonderful things for those people to earn a decent salary - a salary that they can actually live on without having to visit food bank.

    Do we care enough for each other to give a minimum of dignity to all workers, no matter where they live Canada? I really want to see this happen for real, no matter how individualist can be our modern society.

    Wednesday, September 9, 2015

    We should all be in favor of a $15 per hour minimum salary

    October 19. Remember that date... Its election day in Canada.

    I got all excited today when I saw that the TSX was going all way up. At least it was during the morning. After what, I was crossing my fingers for my non-registered portfolio hit on the 125k value - wouldn't that be cool? Finally, I was going to breathe again. Just like some other days, the stock market is not giving me the princess treatment. My non-registered portfolio finished the day at $122 785.93.

    A TFSA with a contribution limit of $10 000 won't be enough for Stephen Harper to stay in power. I understand that if "Tom" Muclair get elected, investors will have to say good-bye to the extra 5k Harper gave us a few months ago. But if its to see the minimum wage salary going up to $15 per hour in Canada, I won't have any problem to go back down to an annual investment of 5k inside my TFSA.

    An annual salary of $29 250 before tax should be consider the minimum livable in Canada. Only for that point alone, Muclair is winning my vote. As announced, I will vote for Hélène Laverdière, maybe not on October 12, but certainly on October 19.

    Tuesday, September 8, 2015

    On October 12, 2015, I will vote for NDP Hélène Laverdière, no matter what

    With today great gains on the TSX, my non-registered portfolio closed the session at $122 985.71, its encouraging of course, but I am still far behind the 135k I used to be. On October 12, 2015, it will be elections day in Canada. Four years ago, I had voted for NDP Hélène Laverdière. I was strong in my believes. I wanted to kick Gilles Duceppe out of the federal politic - a place where he doesn't belong. Hélène Laverdière won the elections and Gilles Duceppe retired from the public life after ruining the Bloc Quebecois. But 4 years after, the old man wasn't hurt enough because we still are seeing his old and ugly face in the media.

    I never understand why our ultra modern Canadian society accept the existence of a lonely provincial party. The Bloc Québécois only exist to but shit on the face on Canadians. Why in hell do we accept that? I guess its now common to see Quebeckers as selfish individual, but I will never get use to see lonely Bloc Québécois leaders fitting against Canadian interests, for the good common of all. I hope that once again, Gilles Duceppe will be beat up by Hélène Laverdière - one more time bitch! YEAH!

    I am very proud of Hélène Laverdière and she's doing a fine job. So I will be voting for her on the big day, no doubt about that. But for the bigger portrait, when it come to who will be our next Prime Minister, I have to say, I have doubts. both Liberal and NDP parties want to reduce the contribution room of the TFSA from $10 000 to $5 000. This is not working well for me.

    Investors, even the very small ones like myself were all super excited when Stephen Harper announced an increase of 5k to the annual TFSA contribution. I still have a TFSA contribution room left of $19 625.93. I have until October 12 to maximize my TFSA because after that, good-bye to the old $10 000 annual TFSA.

    I know, life suck sometimes like that but I am still wonderful.

    Sunday, August 30, 2015

    Welcome in my non-registered portfolio Canadian Imperial Bank of Commerce (CM)!

    This is my first ever post as a... 35 years old. On my birthday, which was on August 27 in case you miss it, I knew that the world wasn't going to give up on me. My non-registered portfolio close that day session at $123 837.35 - way better than the $118 000 I was sitting on just a few days ago. This is just how difficult the markets are to follow these days. And it can be hard on the nerves. The only way to survive is to keep holding and invest while the markets are not. No one should ever sell investment under panics, but that is more easy to say than to do.

    Fortunately enough, I never sell stocks while facing a major correction. Holding on is the only way to move on and to face better days. On my birthday, the TSX gain points. I was happy of course, and I decided to invest in something new, so I decided to invest in Canadian Imperial Bank of Commerce (CM). I still have contribution room inside my TFSA, but because the TSX is so volatile right now, I only wanted to add a new investment to secure my margin situation, which is directly link to my non-registered portfolio. 

    My margin is on a delicate situation. I have $11 500 of usage left on it. Its enough to cover these bad trading days, when my portfolio lose in value. But its barely enough because we never how bad things can go. There's just too much of volatility to be able to say how much is needed to be safe. The only way to be safe is not to use any margin money at all. Unfortunately, it is not my case. 

    I invested in Canadian Imperial Bank of Commerce (CM) on my birthday, but I still have an interest in Northland Power Inc. (NPI). I am missing some stocks to do everything I would like to so. But more importantly, I wanted to invest in my non-registered portfolio to add money into it and protect my margin. In other worlds, my margin control it all and have the last word on everything.

    I was lucky enough to be at the world premiere of the film Muhammad. I went to the Cinema Imperial after work. I saw a crowd - it was the opening. A woman with probably her husband were standing right in front of me. The woman asked if I wanted to see the movie, I said yes of course. And she gave me a ticket. I was pretty excited. Its a great - but long movie, about the first years of life of the prophet.

    From its earliest days, war had been at the center of Islam. The story of Muhammad is very complex. Jesus came on Earth, and after him was Muhammad, with his own way to understand religion, with his own teaching. It was interesting, you may like the movie if you are curious about Islam religion.

    Wednesday, August 26, 2015

    A day to remember: August 27, 1980

    This is my very last post as a 34. Tomorrow, I will be... 35. Virgo from August 27, nothing less, lucky.

    I will be celebrating my non-registered portfolio with a tiny little non-registered that only worth 118k. I was far from imaging that this was going to be how I would be celebrating...poor like Job! This was supposed to be an extra special time. I was supposed to shine and registered super great capital gain. But hell no, it didn't happen that way, and I am lost between laughing about it or having a big nerves down.

    But hey, its just money, right?

    Everything I had worked so hard for finally came by with no f meaning at all.

    But, I have to say, me and my pretty self are celebrating tomorrow my 35 birthday, and I am secretly praying God to stay youthful like a 25 for many many years ahead. For once, somebody is on my side. 

    Today TSX gains were encouraging, but nothing to be super amazed. We are still way under the 14 000 points. And still very far from the 15 000 points. Its so messy out there. With the recent gains, I didn't took any credit line funds to cover my margin account. It seem like I am going to be just fine.

    I unfortunately don't feel much like investing in ANYTHING. And trust me, its a strange feeling. Back in the times, I had some royal investment crushes that need to be feel. Now 35, I invested in pretty much in everything I ever wanted. The only problem is that I don't have enough cash to be financially free. I don't have enough money invested.
    I was hoping for something more exciting and sexier for my birthday. Anyway, one thing positive at least is that my margin usage is at $64 730. I would like to begin to pay down my margin and leave extra cash at the bank. I am seriously thinking about getting a part-time job, but I am not much excited about losing my free time...

    See, I am turning 35, but my sexy life is always, forever the same thing. Year after year, I try to save money, I try to invest, I try and try and I try. Results were showing. Remember my portfolio update of April 2015? That friends, was one of the hell good portfolio. Capital gain were pumping all. I was at 205k value, with a net worth of close 140k... Awesome money. Now, I am not ruined, but I am not running on gold.

    As a new 35, I expect the world to be on my feet. I expect to have everything I want, nothing else.

    Monday, August 24, 2015

    Hard Black Bloody Monday, but darker days could be ahead

    This past Friday, my non-registered portfolio closed down to $118k. Today, my non-registered portfolio closed the session at a very low $114 997.39. I wasn't surprised, I was mentally prepared, but like each time, its hard to take. There's not one single stock of my non-registered portfolio who gain value today. Everything is under distortion. Back on Friday, I had a bit more than 8k left on my margin. Noticing how bad were the markets today, I transferred a 5k on my margin. That money came from my a credit line. Luckily, I have another 10k available on another credit line, and many other thousand dollars on different credit lines to cover up if the stock market decides to just continue is way down.

    For small investors who have like me their non-registered portfolio on margin, time had come to in some fresh cash to avoid any problem. One of my 5k credit line has a super low interest rate. I am seriously thinking about transferring that money on my margin so I can at least spend the day at work without worrying too much.

    Today loses were no surprise, but what about tomorrow? I am not sure, but I am getting mentally ready for some more loses. Is this how I am going to celebrate my 35th birthday? Keep your fingers cross. Still 3 days before the big day.

    Sunday, August 23, 2015

    Another messy correction for the TSX stock market and what does it mean for the Dividend Girl

    Its always rough to face a stock market correction, especially when everything had been doing so well for a long time, that your portfolio was on the high, dividend income was good... On Friday, the TSX lost more than 200 points. This in deep correction has an effect on my portfolio. In my case, my non registered closed down to 118k. Its like feeling virtually attack by an unknown predator. The only way to stay protected is: not to invest in stock or have a very diversify portfolio and buying blue chips when the TSX lose points like crazy - its like the only thing to do. On crisis like the one we had in 2008 - even if this one is quite different, but result of that 2008 crisis - stocks continue to pay dividend, but everything seem going slow and it can be stressful.

    Personally, I check on the stock market every single day - when I am not away on vacations. Lately, the TSX was pretty down pretty much every single day. And with the correction of this past Friday, we got the cherry on the sundae. However, the problem is, there's no way to figure out if the correction will continue or Monday or not. We have to wait 2 long days before figuring out. Time had come to transfer some money on my margin. I only have 8k left on my margin. This is what happen baby when you play on the stock market with money that is not yours. Sexy is learning the very HARD way. 


    I don't remember the last time that my non-registered was at 118k, it must had been a very long time. Yesterday, it was playing on my nerves, I would had need to smoke weed or some Benadryl or two good Gravol pills, beers was just not enough. I cannot believe that on August 27, I am going to celebrate my 35th birthday dead broke! Anyway, don't despair sexy people. We have to wait what Monday will look like. While waiting, you can shake your booty on this cool mix, you'll thank me later for posting ok, and shake it off until Monday morning:

    Personally, I never been much interested in the oil sector, and fortunately, I am not that exposed to the energy sector. Oil stock sector never operated an excitement on me. I don't like oil, I don't like anything related to it sector. Have you ever seen pictures of what the exploitation of oil sand actually  look like in real life? Its disgusting. We should be more of an evolved society and rely on clean energy. This oil correction is hitting at the right place. Soon, it won't even worth it for companies to exploit oil. I knew that moment would come. Its just unfortunate that so many people in Canada work in the dirty oil energy sector. Now that oil value just seem to continue its way to down $0 value, we may be able to see more clean energy development. But I am praying for the desperate who had lose their jobs and for those who will lose them soon. Jobs in that sector usually pay very well, but living cost being so high and lifestyle coming with it, many workers might not have what it take in savings to survive. No matter what is your social position, its getting of an emergency matter to have money save in the mattress. With China situation, we could be in the curve for a down market that could continue.

    Suncor Energy Inc. (SU) recently announced a dividend increased - which is a very stupid decision from their part knowing what's going on in Alberta these days. This is a way for SU to seduce investors. I don't think that we'll see oil going up anytime soon. There's nothing left in oil to seduce investors. Playing on oil is suicidal.

    Like always while facing a major TSX stock correction, I am not looking forward to sell any of my stocks and follow the selloff because I am a smart ass girl who soon will be 35 years old. Princess is getting older, but I would like to get richer during the same process. But no desperation please, just watch me kicking in the TSX like a fool. That damn stock market is going to make me rich sooner or later!

    Remember a stock that I wrote about a little way back: Northland Power Inc. (NPI)? Its right in the energy sector. Despite the big loses of Friday, NPI finish the session with a gain of 0.65%. Currently might be a good time to invest in blue chips, like RY for example, could be at a good entry point. But the problem is: how a bank like RY will react on the long term with this oil context? Its a problem that all banks in Canada are facing at this time.

    I know Northland Power Inc. (NPI) is not a blue chip, but its one of the only investment that I feel right at this time. I won't have the TSX have the last word on me.

    Thank you

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