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Saturday, June 20, 2015

The Dividend Girl is about to turn into a Quebecker. What???!!! DAMN.

Even after now 3 years that I am back in Quebec, I still had my New Brunswick health card. I didn't want to get a Quebec one. My reason was that I don't need any cheap Quebec doctor to take care of me, I am never sick, I am not in need of any health care. I am invincible. We all know that of course. However, a few weeks ago, I decided it was time to get my Quebec health card, even it was only to cover my ass in case of an emergency, in case an accident arrive or something. Or in case I become pregnant. LOL. I tried to be intelligent, I place a call, said I arrived in Quebec in April (whatever!), got the form and than I went to a CLSC to depose the papers and it was about it.

Its the step I didn't want to make because it kind of make of me a Quebecker now and I am not too proud about that, but I needed to be practical so here am I. I definitely needed a Quebec health care because I am way too far away from my hometown now. Its just an administrative thing, its not because I will soon be holding a Quebec health card that I considered myself a Quebecker. A wild thing like me is way too smart to be define as a Quebecker.

I think the tragedy of my entire existence is not able to get what I want, not to do what I want and not to live where I really want. It a life I have no control on. My other lives must had been very bad because this one really suck so far.

Still bitching like always sexy, but I have to say, Montreal turn to be a magical place during summer time. I went to many free concert during the Francopholies and took many videos like this one that I will soon post, but it take forever to download. Ok, so enjoy this first one - but just prepare to change position at one point.

This was Radio Radio. They open the Francopholies of Montreal this year. We'll talk about money in another post sometime.

Saturday, June 13, 2015

This blog title could had been: How to deal with the volatility of stock market without too much pain? Do it with a ganster spirit

I don't know if Greece situation will ever get better. With all those millions and millions of dollars won, where are they going to find the money to pay back - especially now. And I don't understand why the FMI let Greece go so down so badly. In fact, that so call organization is not capable to prevent crisis, it only deal with shit once its obvious that there is a problem somewhere... Anyway, if you want my in deep and very honest opinion, we cannot change the world, but we can certainly play things on our favor. Fact is, small investors are sometime way smarter than any government.We prove that we can do a lot with the little money we earn every single day.

One of the hardest thing to deal while investing is how to deal with such shit. Each time, my portfolio survive, but this is no fun. One of the most scary thing ever is when that nuclear thing happen in Japan. My opinion was that the stock market - mine - the Canadian one - was going to go down badly, but it didn't. So try to understand that shitty place that is the stock market - your going to turn crazy. I stop a long time ago trying to understand anything related to the stock market and this is why I am still on the run.

The honest answer to that wonderful question: How to deal with stock market shit without too much pain? - IS: DON'T GIVE A DAMN. Do your nails, have your coloration done, exercise, do something, move on, BUT CERTAINLY, DO NOT sell anything.

Et voilà. That is how to deal with market shit. :-)
Taking a good breath might help as well.

Currently, my non-registered portfolio is down to $128 876.57. Unfortunately, when the TSX go down, my portfolio take a hit and its a pain each time. I have a left margin value of $13 705.45, which is not to bad, but I am far from the usual 17k. I need to keep track of the situation just to watch out because in my case, I have a margin. And since I don't plan to pay back my $66 000 margin debt anytime soon, I need to watch what is going on, because in result, my portfolio value go down, as well as the value.

In 10 years from now, I hope that I will be able to look back and say, all that worth it after all. It still worth it in the meantime. I am pretty sure that my net worth still exceed the $100 000. I didn't do too badly. But I could had done certainly better, that's for sure. And its the reason why I am doing my best to stay in control of money. My newest investment in Brookfield Infrastructure Partners L.P. (BIP.UN) done well so far, I gain a 1.22% on the money already. I love when a new invest grow quickly like that. I am after all a pretty smart chick. And I am turning 35 in August!!!!

** DRAMA**

Other than looking myself carefully in the mirror each day, just like usual, I am still questioning myself on what will be my next investment and I have a pretty good idea. Once again, I will do just like Derek Foster. This one won't bring in the immediate a lot of dividend cash, but since the game is to invest for better tomorrows, maybe Canadian National Railway Company (CNR) is a good investment move. I am a fan of that stock. I made thousands on CNR inside my non-registered portfolio. Can I make possibly a thousands more on the stock? Probably. I didn't see CNR trading so  low in a very long time. I still have contribution room left in my TFSA, I feel this could be a good fit.

Wednesday, June 10, 2015

Life is really only about money

I guess you all wonder what meant the allusion to "Redwood City" in that post. I had been approached by an organization located in Redwood City. Someone from their social media team approached me, asking a few questions, which result in that post. And following what, the representative came back to me asking to add a link in my post to their free online calculator. I explain I could do so with a monetary compensation, but no cash had been offered. Sorry, but I don't sell myself for free. 

Fact is, the world of personal finance is a super HUGE business and its good business niche. Its not for nothing that a guy behind PayPal is the CEO of that X organization that I won't ever publicize for free on this blog because on my blog, I am the only star.

The TSX is doing doing very well lately and in result, I had lost a few thousands in value.

Sunday, June 7, 2015

Welcome in my TFSA portfolio Brookfield Infrastructure Partners LP (BIP.UN)!

Recently, Derek Foster invested in one of my top favorite: Canadian National Railway Company (CNR). I hold CNR in both my TFSA and non-registered account. In my non-registered account, CNR pop up to a +84 profit. I haven't been holding CNR in my TFSA account long enough to see a result., I am at -4.78% there. I agree with Derek with this new one, Canadian National Railway Company currently trade at a low value and it worth it to buy now - if possible inside your TFSA if you have any contribution room left - and hold on for many many years and just watch the capital gain going higher and higher.

I was excited to see that Derek Foster is finally getting back into Canadian stock, but unfortunately, CNR is nothing new to me, thanks to Susan Brunner. So I had been checking around for a new stock. Despite having a few thousands at my disposal since Glendel disappeared from the Canadian stock market, I haven't invested a penny, which is very unusual. At my early beginning, it was easier to invest because I wasn't holding nothing. But after investing for a few years now, it became harder and harder to invest. One reason being that I already hold many good stocks. And another reason is that I want to make sure I am making the best investing moves. 

As for the best investing move, nothing is never sure. However, I am always confident of all my investment choices and I never have any doubt when I decided to finally make that next investment. Another extraordinary life moment happen today when, after a couple of days, not to say a couple of weeks, I decided it was time to buy something new for my already very good looking portfolio.

I decided to invest in Brookfield Infrastructure Partners LP (BIP.UN). This new investment bring my annual dividend income to $6 201 and 92 cents (and I am not counting here my RRSP dividend because they are out of reach). Another cool investment could had been Canadian Imperial Bank of Commerce (CM), but at this time, I found CM not cheap at all and since its more expensive, I decided to go with BIP.UN for now. My order will go on tomorrow morning.

Monday, June 1, 2015

Can dividend income help you take control of your money and life? In Redwood City, money means everything

It is now that I will be turning 35 in August that I realized that money never been a very fundamental part of my life. Yes, I am what you could considered a financial blogger, I do care about money, but not to point where I am searching for real richness or anything technically even near. My domain address is, and its not for no reason. All I ever wanted is a $50 000 net worth, after that, the money experience could take me to whatever.

Someone came by this blog saying that the "20s are typically the perfect time to start planning for retirement, but sometimes life gets in the way." You bet! LOL. Well, to that I can only reply, that the 20s were meant to be live, and not to care a minute about a financial future, but not to jump in excessive spending either. I studied until my late twenties, but I never came across a career path or something specific that I wanted to do. I am not a very career oriented girl, and I don't care about most stuff that society around us want us to care about: flashy big house, flashy big car, fancy clothes, expensive vacations and so on. 

In my twenties, what help me the most with what I have today is making very smart choices regarding my education. Most of young people finish university and other with huge student loan debt. It barely make any sens at all to start your live so heavily handicap by already owning so much when you barely had time to live. And young people get easily stuck in the pattern. They enroll into debt because its the way things are. But the choice is always there no matter what. I stop trying to understand a long time ago.

I don't think I could be in a better financial situation now, but I don't think a lot of people will agree on that for sure.


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