The Dividend Girl

Is silver still the investment of the decade?

2012-02-11T17:27:00.000-05:00

My non-registered portfolio closed yesterday session at very good 119 909$. My security book value is of 118 412.30$, which mean that I had been good enough to recover from ALL internal capital loss. FINALLY! The glorious time had come. Ok, nice, but the Canadian stock market like many other worldwide seems to be extra-sensible to what’s going on in Greece. Not that I don’t care, but we all deal with our own reality, I have my own problems, I have put a great deal of efforts in my portfolio and I won’t accept trouble from anyone so Greece, just get out of the way please, deal with your own reality.

This is how I like to deal with troublemakers.

This being said, I am now out of internal capital loss, but if the stock market get unstable, I could face internal capital loss, one more time... A NIGHTMARE. But I am pretty good at holding stock so there’s no nightmare I cannot really fight see. That’s the magic of the Dividend Girl.

Dealing with internal capital loss is no big deal, it just it can take some time to recover. While investing in stock, it’s always good to have a portion of your portfolio in cold cash. Why? Because if part of your portfolio is experiencing capital loss, you’ll be able to rely on your cash rather than on your stock in case of an emergency situation suddenly emerge. I am really good at giving advice but I don’t respect those advices myself. For the past 6 years, I had been invested every single pennies I could find and I use leverage as you know, like crazy.

I may not be good at respecting my very own advice, but at least, you know with who you are dealing with.

This is even I will say spectacular that I recover from my capital loss because this portfolio of mine, the non-registered part, include my MAJOR loss of 4 065$ in Timminco (TIM). That was back somewhere in 2008 or 2009. Currently, the same investment worth 1$... From 4 065$ to one single dollar. I started investing in stock in 2008 and I invested in Timminco (TIM) shortly after that. I had some knowledge, but it wasn’t enough I guess at that time to save me from a stock salvation.

I invested in Timminco (TIM) because it was promoted by Eric Sprott of Sprott Asset Management. Eric Sprott is the man who made me loss 4 064$ on the stock market. Thank you very much Eric Sprott for all the trouble and all the shit, but even you couldn’t destroy my portfolio forever. Sometime, I wished I would get stuck in an elevator with ONLY Eric Sprott and solve the problem I have with him.

Ok, it didn’t turn right with Timminco (TIM), but I recovered very quickly and I had hit the 6 figures portfolio using leverage in 2010. And later on, Sprott started the Sprott Physical Silver Trust UTS (PHS.U) and the Sprott Physical Silver Trust ET (PSLV). From that time, it was the silver mania.

Eric Sprott actively promoted silver as investment and again this time, I got totally fascinated.

In 2011, I traded silver on a regular basis, buying-selling, buying-selling. Always small amounts, but it was fun.

Later on, I made my first investment in US dollars in the Sprott Physical Silver Trust ET (PSLV) when the units were something like 20$+. Almost immediately after... Sprott silver drop under the 15$. I am very good at provoking events, catastrophes, cataclysms. Shortly after I made my first stock purchase in Sprott Inc. (SII) in 2008, the stock market crash. Remember? lol...

Currently, the Sprott Physical Silver Trust ET (PSLV) is still far behind the 20$ mark per unit. And now, I just wonder if silver can be a profitable investment.

Is silver really the investment of the decade like declared by Eric Sprott? I guess only time will tell if Eric Sprott was wrong or not.

Unfabulous offer coming from Duncan Hood, Editor of the MoneySense Magazine

2012-02-09T19:44:00.000-05:00

When I was in Montreal, I could spend hours at the Chapter, a Starbuck coffee at hand reading magazine after magazine until the closing. Now that I moved in New Brunswick, if I want to read magazines, I can do it while standing on my 2 foot at Wal-Mart or Zellers or, I can go at my local library.

Duncan Hood, the Editor of MoneySense Magazine may taught that offering the MoneySense for 1 year at 30$ is a good deal, but personally, that deal doesn’t sound appealing to me. A 30$ for a one year of MoneySense magazine is an offered that I had received. You may receive it if you have an account at CanadianMagazine for their forum or newsletter or some other stuff.

Fact is, you don’t need to pay 30$ per year to get a taste of what frugal living is, or what is investment all about, to get stock information, credit card balance information, stock market hottest news...STOP. Here at the Dividend Girl blog you get that an even more for FREE.

30$, is not that bad. We have much worst with Gordon Pape. Want to subscribe to Gordon Pape Internet Wealth Builder? You can go ahead, but it will cost you $164.95. Oh sorry there, $164.95 + TAXES. Because taxes are not even included in that SUPER HUGE PRICE!!!!

Fact is, you don’t need to pay one single penny to be a successful investor. Why? Well, because you can read my blog for free. You can read online newspaper online for free. You can read Derek Foster books for free at your local library. All free stuff.

Financial services had came with that idea that the more you pay out of your pocket, the better the services are. Well, that idea is completely fall.

There’s plenty of financial blogs out there you can consult for free and if you’re smart enough, you won’t pay a penny to get stock ideas or ways to deal with your money. Like NEVER EVER. Those people like Duncan Hood and Gordon Pape are simply money s0ckers.

My investment portfolio on date of February 8, 2012

2012-02-08T19:10:00.002-05:00

Savings: 1 113.71$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 548.45$
Timminco (TIM): 2$
Blue Note Mining (BNT): 24$
Bank of Nova Scotia (BNS): 5 688.71$
Hanwei Energy Services (HE): 30$
Methanex Corporation (MX): 3 037.47$
Fortis Inc. (FTS): 3 680.64$
Pembina Pipeline Corporation (PPL): 13 037.04$
Just Energy Group Inc. (JE): 8 737.46$
Pengrowth Energy Corporation (PGF): 2 237.40$
Enbridge Income Fund Holdings Inc. (ENF): 7 470.50$
Corby Distilleries Limited (CDL.A): 1 803.48$
Davis + Henderson Corporation (DH): 3 900.03$
Premium Brands Holdings Corporation (PBH): 7 442.52$
EnCana Corporation (ECA): 4 012.88$
iShares S&P/TSX Capped REIT Index (XRE): 2 462.46$
Horizons Gold Yield Fund (HGY.UN): 2 025.72$
Canfor Pulp Products Inc. (CFX): 1 374.95$
New Flyer Industries Inc. (NFI): 1 528.80$
Exchange Income Corporation (EIF): 7 944.30$
Rogers Sugar Inc. (RSI): 528.28$
Student Transportation (STB): 1 445.35$
Colabor Group Inc. (GCL): 1 135$
TMX Group Inc. (X): 4 256.46$
Data Group Inc. (DGI): 3 084.90$
K-Bro Linen Inc. (KBL): 2 178$
Westshore Terminals Invest Corp (WTE.UN): 5 007.58$
WesternOne Equity Income Fund (WEQ.UN): 2 724.60$
Atlantic Power Corp (ATP): 3 375.60$
First Majestic Silver Corp (FR): 1 960$
Kinross Gold Corp (K): 1 659$
TransCanada Corp (TRP): 1 047$
Canadian National Railway Co (CNR): 2 346.30$
Firm Capital Mortgage Investment Corporation (FC): 537.20$
Sprott Strategic Fixed Income Fund (SFI.UN): 465$
Enbridge Inc. (ENB): 1 094.52$
Agrium Inc. (AGU): 1 156.82$
Canadian Utilities Limited (CU): 1 299.48$
Veresen Inc. (VSN): 1 023$

TOTAL: 120 312.90$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 303.19$
Cash: 4.12$

TOTAL: 2 307.31$

Tax-free savings account (TFSA)
EnerCare Inc. (ECI): 28.44$
Dumont Nickel Inc. (DNI): 1 581.25$
Sprott Physical Silver Trust UTS (PHS.U): 2 990.64$
Cash: 3.73$

TOTAL: 4 604.06$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 404.46$
Claymore Gold Bullion ETF (CGL): 5 239$
EnCana Corporation (ECA): 1 967.48$
Emera Incorporated (EMA): 7 126.20$
Sprott Physical Silver Trust UTS (PHS.U): 996.88$
Cash: 136.72$

CIBC Dividend Growth Fund: 561.82$
CIBC Emerging Markets Index Fund: 458.18$
CIBC Monthly Income Fund: 1 081.96$

Energy and Base Metals Term Savings (Indexed term savings): 577.30$
Natural Resources Term Savings (Indexed term savings): 502.06$

GIC National Bank: 1 242.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 616.68$
Manulife Simplicity Growth Portfolio: 891.93$
Maritime Life CI Harbour Seg Fund: 1 053.79$
Maritime Life Fidelity True North Seg Fund: 1 004.54$
Manulife GIF MLIA B World Invest: 633.67$

Great-West – various: 1 957,04$
Various other mutual funds: 675$

RBC Canadian Dividend Fund: 558.62$
RBC U.S. Mid-Cap Equity Fund C$: 2 080.71$
RBC Global Resources Fund: 1 094.57$
RBC O'Shaughnessy International Equity Fund: 589.18$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 191.18$
RBC Global Precious Metals Fund: 885.97$

TOTAL: 40 027.64$

Social Capital at Desjardins Membership share: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(144.22$):
168 549.84$

What Rebecca MacDonald the billionaire really thinks of Canadian Pacific Railway Ltd. (CP)

2012-02-07T20:13:00.002-05:00

I know, this is isn’t me, I haven’t post in a while. I had been busy-busy. First of all, I had been busy writing some articles on HubPages. I wrote about this, this and this. I am looking to make 50$ per month from HubPages in passive income but this is requesting a lot of work from my part so yeah, I had been busy this past weekend. I have develop a lot ideas so I should be hit the 50$ soon, it’s just a matter of time. And once I hit the 50$, after that, chances are that I will be ok to hit the 50$ every single month after that. It’s just about getting that first 50$. Does that remember you of anything special? Like my very special domain address for example?

Also, I had been taking those art classes and it’s been going on well. But before talking about painting and other beautiful tralala, let’s talk about money. Because it’s all about money. One for the money, one to the show.. Is that the correct Elvis lyrics? I heard Elvis songs so many times in my childhood, but the only problem is that in those early years, because I am French, I never clearly heard or understood the lyric of Elvis songs, yeah yeah, on the go. One for the money, one for the show.... lol And the money... And the show...

For the money, my portfolio is a rocking shining star and I bet that every TD Waterhouse brokers just DREAM about by stuff you know what I mean. Yeah, margin investing, I know the game and stock investing, I know the game too. At this point, I think I am at my highest value ever. Just too bad I don’t have time to update my investment portfolio but at least, you have a good idea of the big scheme. My fabulous of the fabulous DNI Metals Inc. (DNI) just continue its road to become a rocket stardom so rock on.

The very fabulous Rebecca MacDonald is putting the TSX on fire with her “energy” stuff. First of all, for those who don’t know Rebecca MacDonald, I feel very bad for your ignorance but you can always click on her to fix that. If you want to know something that you may not know about Just Energy Group Inc. (JE)’s CEO, go on here. Rebecca MacDonald is now a long time billionaire. It gives her the freedom to do whatever she wants. She can say things that she may have never said otherwise, like for example: I won’t buy Canadian Pacific (CP) stocks even if I am now involved in the board of director team. GO WOMAN! Finally, there's a billionaire out there who just worth even MORE than money. Cannot say the same thing for sure about Eric Sprott. Not yet. Eric Sprott has a longggggg wayy to gooooo.

When a company is on a bad track, don’t invest in it. When someone like Rebecca MacDonald speaks, you listen and shut your mouth. Be extremely alert to what she says and does. It could pay back very well. In other words, if you are looking to invest for the real term, please be smart and don’t invest in Canadian Pacific (CP). Ok, I can hear from her: IT'S NOT WHAT REBECCA MEAN. Well, you need to take the content, and extend it to your own retail investor reality. Take big ideas; bring it to your very own social class level. That’s the idea.

This is certainly something that Heather Munroe-Blum would have like to know about. It’s not because you’re in the board of directors of a company that you need to buy inside the company, especially not in period of crisis. Back on May 12, 2011, Heather Munroe-Blum, the principal and vice-chancellor of McGill University, bought 10 000 stocks of Yellow Media Inc. (YLO). It’s not because she’s the vice-chancellor of McGill University that this woman is very bright ok. It’s kind of the opposite. She’s making a luxury living on the back of poor students who were dumb enough to pay several thousands in tutorial fee just to enrol in what they believe is the best university of the country. Well, I have some news for you, the blood Heather Munroe-Blum sacrifices, the shit went directly back on her. On May 3, 2011, the very good investor that I am was selling ALL of the stocks hold of YLO. YLO? Forget about it. You shouldn’t be holding a Quebec company in your portfolio anyway. At this time, I only have 2 Quebec companies in my portfolio and I am looking to get rid of them all ASAP. And following what, YLO continue to fall-fall-fall and became what we know today: a penny stock.

I am hoping that Heather Munroe-Blum, this fresh lady, I really that she lost several thousand on the stock market. She basically got what she deserved. A flop. Want to make a career on the back of public funds and student debts? Pay the price! Sacrifices won’t be vain! The dead of the Safia daughters won’t be vain either. Remember that God is watching. He’s always there. And you can be very sure I will turn rich on DNI. I always knew. It’s why I hold it in my TFSA. Quebec is burning and I have the most fantastic revenge of all time. Sufferings from Quebeckers, laid off, it won’t be vain.

Ok, you might think she’s silly, she’s sick, I understand her.

First of all, you need to think of yourself as being a piece of the chain. And as a piece of the chain all elements are interconnected and they all go in just one single direction, yours. So i you think too that believing in God, being somewhat religious and loving money are 2 things that have nothing to do together well, good news too there, you are actually so wrong, you’re missing the whole point of it. This was all very interesting but I cannot spend the whole evening blogging. While missing me, check out on some new pictures and paintings.

This is my favorite. It was actually made on a Dollorama canvas. Cheap and fun:

Getting closer to the 120k non-registered value

2012-02-02T19:05:00.002-05:00

I just received a very good dividend payment of 56.16$ coming from Bank of Nova Scotia (BNS) and 9.55$ from iShares S&P/TSX Capped REIT Index (XRE). My dividend income for the month of January has now exceeded the 800$, which quite good.

My non-registered portfolio is now at its highest value EVER from what I am able to remember: 119 270.27$! Yeah! Make some noises for the Dividend Girllllllllllll! YUUUUUUUUUUUU! lol

Without adding new money in, my non-registered portfolio is very close to the 120k. Nice. This capital boost is also boosting my margin account value. So what I did today is that I took 1 500$ from my margin account and I add the money to my credit line. This bring my credit line at 7 334.59$. I am at 86 724.09$ in debt. This is huge of course, but I am unfortunately not scare of debt.

It’s getting more difficult than ever before to add in some new stocks for my portfolio. I taught lately of Crescent Point Energy Corp (CPG), but it’s not adding any kind of diversification to my portfolio, if not just another pipeline energy stock in. So I at this point, I am pretty much out of aspiration when it comes to picking up some good old Canadian stocks. I totally have it all now in my portfolio and life is kind of boring now. I have in everything I ever dream of. So is it really all? Is it over?

Bah, of course not. I something have trouble to find new stuff but hey, it won’t last for long.

My debt level is quite high. For once, I plan to pay off some of my debt. I would like to be at 80 000$ in debt, not more or less and, if again I have trouble at picking up a new investment, I thing I will just keep paying down those heavy debt of mine.

I know, it sound pretty boring but it’s not my fault, I am running out of stock picks.

I guess at this point, paying down debt is the right thing to do, boring, but the right thing to do.

Watch out, because I can hear you saying: FINALLY, SHE’S GOING TO PAY SOME DEBT.

Yep, I am going to pay some debt.

:o)

My deb situation on date of February 2, 2012

2012-02-02T18:19:00.001-05:00

8 302.08$ at a low interest rate of 4.75% (RRSP credit line rates) = 394.35$ in annual interest

4 900$ at a low interest rate of 4% (credit line rates) = 196$ in annual interest

7 746.26 $ on a credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = 224.64$ in annual interest

6 980.12$ at low interest rate loan at 5.50% (student loan) = 383.91$ in annual interest

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

7 334.59$ at 7.52% (credit line rates) = 551.56$ in annual interest

51 461.04 $ at a low interest rates of 4.25% (margin money coming from my broker account): =
2 187.09$ in annual interest

TOTAL: 86 724.09$

TOTAL in annual interest: 3 937.55$
[In date of February 2, 2012]

My saga with Revenu Québec continue

2012-02-01T17:07:00.001-05:00

I had quite a good surprise just a few minutes ago when I look into my broker account. Yesterday, my non-registered portfolio closed the session at 117 091$. At this time, my non-registered portfolio is at... are you ready?

My non-registered portfolio is at 118 344.65$!

This is great because in case you don’t know it yet, my investment book value at TD Waterhouse is of 118 280.62$.

118 344.65$ - 118 280.62$ = +64.03$

Now it’s official, I have beaten my internal capital loss!

Those were for the good investment news of the day.

Remember my drama with Revenu Québec?

Back in December 2011, I had received a letter asking info regarding my RAMQ contribution. I sent all the info requested. And today, I just received another letter from Revenu Québec, this meaning that my saga continue...

First, Revenu Québec is letting me know that in 2010, my total income was of 43 000$. That’s quite good. But following what, Revenu Québec is asking 102.04$ from my pockets for their health insurance, RAMQ. I am going to have this check tomorrow by the accounting I deal with while living in Montreal. I just don’t exactly understand the reason of it, but it have to do with the fact that I didn’t enroll in my employer insurance program while I should and in result, it create an extra tax charge.

See, I won’t be living in Quebec province ever again of my life. Quebec province is hell. You pay all kind of taxes all over the place. In return, try to have access to health care... Trust me, if you move to Quebec province, you won’t be able to find a family doctor. Hospital cares quality is extremely low. Quebec provincial government doesn’t care about their citizens.

Fact is, the job sector is deteriorating in Montreal. A lot of companies closed their doors and it’s a real good thing because really, no one wins by living in Quebec province. Its most taxes province of Canada and the most taxes “country” of the G7. Nothing to be really proud of. Quebeckers like Brian Mulroney, Gilles Duceppe, Jean Charest, Gérald Tremblay are imminent figures of Quebec corruption and the worst thing being that those individuals live freely, Quebeckers accept their corruption. In Quebec, its acceptable to cheat, lie and steal money from public funds. In Quebec, it’s ok to maximize taxes on the back of citizens. But for which reasons? There’s no quality in their educational system, university, health care and infrastructure.

Knowing that, how in the world can you want attract businesses in your territory? Good businesses are leaving Quebec province one after the other and I can say proudly: TAKE THAT QUEBEC PROVINCE. Quebeckers finally get what they truly deserved. And this is of course only the beginning. It’s the beginning of the end. This is my revenge.

Hello 117 561.46$

2012-01-31T17:39:00.002-05:00

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.

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

2012-01-29T21:42:00.000-05:00

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.

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

2012-01-27T20:07:00.000-05:00

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

2012-01-27T19:37:00.000-05:00

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!

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

2012-01-26T18:02:00.000-05:00

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.

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

2012-01-25T20:33:00.002-05:00

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.

See me live or almost

2012-01-23T21:14:00.000-05:00

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

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

2012-01-23T16:21:00.000-05:00

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.

I love trouble

2012-01-22T09:28:00.001-05:00

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.

A piece of me

2012-01-18T20:48:00.000-05:00

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)

2012-01-18T16:59:00.000-05:00

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.

Welcome in the house Veresen Inc. (VSN)!

2012-01-16T17:56:00.000-05:00

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.

$$$

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

2012-01-13T22:30:00.000-05:00

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.

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

2012-01-12T20:14:00.001-05:00

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

2012-01-12T19:21:00.000-05:00

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.

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

2012-01-10T19:13:00.004-05:00

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.

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

2012-01-08T19:02:00.002-05:00

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.

My deb situation on date of January 6, 2012

2012-01-07T16:32:00.000-05:00

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

2012-01-07T15:45:00.001-05:00

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
GIC Plus TD

Maritime Life International Equity Fund
(Templeton)
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
Fund
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
(77.25$):

160 801.66$

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

2012-01-06T23:05:00.000-05:00

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.

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

2012-01-05T21:04:00.000-05:00

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

2012-01-05T20:00:00.001-05:00

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.

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

2012-01-03T20:22:00.003-05:00

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$

+58.75$

Canadian National Railway Company (CNR)

Investment made: 2 144.40$

Investment value now: 2 390.10$

+245.70$

TransCanada Corporation (TRP)

Investment made: 1 016.74$

Investment value now: 1 097.75$

+81.01$

Enbridge Inc. (ENB)

Investment made: 999.51$

Investment value now: 1 057$

+57.49$

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?

THIS IS THE LESSON LEARN:

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:

WHEN A STOCK IS IN DEEP TROUBLE, SELL.

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.

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

2012-01-01T22:53:00.000-05:00

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.

Investment ideas for the year 2012: newest stock picks

2011-12-31T22:31:00.000-05:00

Following good investing moves like the one places on TRP, ENB, MX, FTS and many other, does the TSX has anything else to offer me? Well, a special reader came to the rescue and look at what I find in the list of special stocks that are supposed to perform well in 2012:

Barrick Gold Corporation (ABX)
Current value: 46.15$
52 week low: 42.06$
52 week high: 55.36$
Dividend yield: 0.988%

Canadian Real Estate Investment Trust (REF.UN)
Current value: 35.40$
52 week low: 30.32$
52 week high: 36.62$
Dividend yield: 4.068%

Canadian Tire Corporation, Limited (CTC.A)
Current value: 65.90$
52 week low: 51.80$
52 week high: 68.93$
Dividend yield: 1.821%

Canadian Utilities Limited (CU)
Current value: 61.54$
52 week low: 47.95$
52 week high: 64.36$
Dividend yield: 0.403%

Empire Company Limited (EMP.A)
Current value: 59.11$
52 week low: 50.66$
52 week high: 64.24$
Dividend yield: 1.523%

Toromont Industries Ltd. (TIH)
Current value: 21.32$
52 week low: 15.39$
52 week high: 21.46$
Dividend yield: 2.064%

Yamana Gold Inc. (YRI)
Current value: 15.02$
52 week low: 10.87$
52 week high: 17.39$
Dividend yield: 1.35%

I pick those following their chart for the past 10 years. YRI chart is not exactly of a rocking rocket, but the stock seems to be a great performer despite all. Otherwise, the 10 year chart for Barrick Gold Corporation (ABX), Canadian Real Estate Investment Trust (REF.UN), Canadian Tire Corporation, Limited (CTC.A), Canadian Utilities Limited (CU), Empire Company Limited (EMP.A), Metro Inc. (MRU.A) and Toromont Industries Ltd. (TIH) has all pretty awesome chart.

As you can see, the dividend yield is very low.

The only exception will be Canadian Real Estate Investment Trust (REF.UN). REF.UN offered a good 4.08% dividend yield. Fact is, in those difficult financial times, better focus on quality stock rather than running after high dividend yield. High dividend yields are too often associated with what I had named around here “troublemaker stocks”. Remember my investment in Yellow Media Inc. (YLO)? This poorly managed Quebec company was offering a dividend yield of more than 10%. I had held the stock for a while but I had sell YLO just before in take an in deep plunge. That was a couple of months ago in 2011. I was lucky in my move. Do you realized what would have happen if I would have hold YLO? I would have lost thousands of dollars. Currently, YLO is in real bad shape and is nothing more than a penny stock. Remember: better to stay away from Quebec companies when it comes to investment. You’ll have to satisfy your taste of glory somewhere else than in Quebec province, that’s for sure.

Susan Brunner fabulous stock analysis

I have a long way to go before I can analyse stocks the way Susan Brunner does. Her analysis’s are always very good and I have pick stocks on her blog without her authorization (lol) more than once. When it comes to stocks, I will take everything I can, I will press the lemon until there’s no juice. I had picked ATP from Susan Brunner by the way. I did great on the stock.

According to Susan Brunner, Gordon Pape had a good word for ABX at the 2011 Money Show. Good.

Luckily, Susan Brunner is actively following Canadian Real Estate Investment Trust (REF.UN). Overall, Susan is pleased with this investment. A1

Ok. NEXT.

Did Susan Brunner review Canadian Tire Corporation? Let see.

Yup!

And what Susan Brunner has to say about Canadian Tire? To do it quick, I will just say her yearly return on the stock: 11.2%.

WOW.

Susan Brunner does not hold Canadian Utilities Limited (CU) but she says that CU is known to be well-managed. Good enough!

Next.

According to my search, Susan Brunner did not review Empire Company Limited (EMP.A) yet.

When it comes to Toromont Industries Ltd. (TIH), it’s another story. Susan had been holding TIH since 2006 and made a fantastic return of more than 6% on the stock. You can read her review here.

Susan did not review Yamana Gold Inc. (YRI) yet. I don’t think so.

Overall, all of the stock mentions below have a fantastic chart. Most of those stocks had been reviewed by Susan Brunner and they could eventually join in my portfolio because they had what I considered a positive review.

This is probably going to be my last post of 2011.

Nothing better to begin the New Year with new investment ideas. Don't you think so?

Happy New Year!

Goodbye 2011, hellllllooooo 2012!

2011-12-31T18:15:00.000-05:00

Today is the very last day of 2011 and I find it quite hard to believe.

2011 had been marked by the market upside-down. For me who had followed the stock market every single day, like many others, well, I have to say, I find that the Canadian stock market had been very EXTREMELY difficult to follow and at some point, well, you know, F U the stock market!

But wait..... It’s not the good time to flush the stock market and left it behind. 2011 had been the year of the extreme. Big gains had been followed by big capital losses. Overall, 2011 had tested the patience of investors. We had to face the market adversity and the extreme volatility.

My holding strategy had always paid off. I started investing in stocks shortly before the 2008 stock crash. Following the 2008 stock crash, I was disappointed of course because I had just invested thousands and thousands of dollars on the Canadian stock market. My goal was to make money, not to lose some! Before 2008, I had previously invested in GICs and mutual funds, so I knew kind of how to handle the market shit (there’s really no better word to describe the stock market at this point!!!).

When you invest in quality stuff that you truly believe in, when there’s no interior or exterior signs that the treasure you had invested in is in trouble, than, at that time only, the best way to beat that beast that is the stock market, well, the best of the best thing to do is to simply HOLD. There’s no other solution. You could always sell, buy something else and cross your fingers hoping that the new investment will, one day, gain so much that you’ll be able to recover from your capital losses but if you decided to do so, well, good luck because you’ll need some! Anyone who invested in stocks these days have to be seriously insane (like me) or be a stock addict (again like me).

Over time, I had become the best HOLD investor of all time. Nothing more, nothing less.

Following the 2008 stock crash, I decided to hold everything I had and it was the best decision I could ever take for my money. I hold, and I totally recover from my losses.

2009 and 2010 had been good years. But 2011...... 2011 DRIVE ME CRAZY.

Japan tsunami was among the worst experience ever. And I live it while being in Canada. Imagine for 2 sec being in Japan when it actually happen. The worst nightmare ever.

Following the Japan tsunami, I spent a lot of time trying to figure out if my portfolio would be strong enough to survive. Part of this stress comes from the unfortunate fact that I had bought some of my stocks using my margin account. My point was: the country with the third-largest economy being hit by a tsunami, this is going to take the Canadian stock market down down down, this is going to hurt my portfolio very badly.

Strangely, the TSX didn’t go down following the Japan tsunami. It was like nothing was happening. I actually stop trying to understand this nonsense.

The August 2011 stock crash was very ugly. I went to New Brunswick during the last 2 weeks of July for my summer vacations and when I came back... that was it, the stock market crash, right after my vacations. LIKE WOW.

I don’t remember the first couple months of the year 2011. I will have to read my post of the January-April 2011 to remember lol. Fact is, life was boring with my 2 jobs in a call center. But oh surprise, I left Quebec forever in August 2011. Bye bye shitty Quebec province. Bye 4 EVER.

I got a job right here in X town of New Brunswick. Better pay, better everything, but it’s not perfect. A place cannot be perfect unless I am the manager if you see what I mean. I got my mother old 2002 Toyota Echo car. In 2012, the car will be 10 years old. I will drive that car until it doesn’t pass the inspection anymore. Getting back into driving had been quite of a challenge.

What else happen in 2011?

I invest a lot of money. Some of my investments had turned out to do extremely well, like Exchange Income Corporation (EIF) and some other, like the Data Group Income Fund (DGI.UN) haven’t done so well. However, while mixing trading activities and investment activities well, luckily at the end, I haven’t loss money, I haven’t make any either. The situation is stable, and it’s absolutely very good the way it is.

2011 had been the direct continuity of 2010. In 2010, just like in 2011, I had trade a lot. I had reached in 2010 100k worth in investment, it was cool.

At this point, it had become more and more difficult for me to find the perfect investment to add to my portfolio. That’s because I already have everything I ever wanted. So it’s getting real tough!

What’s next for 2012?

First of all, for the period of January to March 2012, I will be concentrate over my RRSP account. I don’t like RRSP because that’s money invested for 30 years of now. The only reason why I invest in a RRSP is because of the tax credit it provides, no other reason. I have more than 7k that I want to invest for my RRSP 2011 contribution.

I don’t expect to trade that much in 2012, but I will certainly be investing in new stuff. I already spot some new investments! We’ll discuss more about them in a next post. Following what, if nothing else catches my interest, I will be paying off some debt of mine.

I really hope to hit the 200k value in 2012!!!

We’ll see what happen.

Today was the last trading day of the financial year 2011...

2011-12-30T14:03:00.000-05:00

I just received some interesting dividend distribution:

Canadian National Railway Co (CNR): 9.75$

Davis + Henderson Corp (DH): 65.10$

Atlantic Power Corp (ATP): 21.94$

It’s looking good for the 7k in dividend income for 2011 that’s for sure.

On top of that, Corby Distilleries Limited (CDL.A) recently announced a special dividend of 1.85$ that will be paid on January 3. A 1.85$ is quite impressive! Because I am registered to a DRIP, I am going to get a good 9 extra stocks coming from the special dividend distribution. That’s quite some $$$. But that’s not all. Corby Distilleries Limited (CDL.A) increased its regular dividend from 0.14$ to 0.15$. Very impressive. I guess Derek Foster most regrets selling its CDL.A stocks now! I always enjoyed CDL.A. It’s a good reliable stock and the value it’s quite stable, the dividend is great too.

I am very curious to see if Sprott Inc. (SII) is going to have a special dividend for 2012. Sprott Inc. (SII) special dividend had been quite generous in 2011. Currently, Sprott Inc. 9SII) title had decreased in value, as well as the Sprott Physical Silver Trust UTS (PHS.U) and Sprott Physical Silver Trust ET (PSLV). Eric Sprott precious silver is not performing well at this time but remember, Eric Sprott said that silver is going to be the investment of the decade so we have the whole decade to catch up... LOL. Way to go Eric Sprott! Love u always no matter what. I got screw up with your Timminco (TIM) and now, I am having it hard with your silver. See what you have done to me. And your Sprott Canadian Equity Fund is not performing well either these days. Retirement? Eric Sprott, it’s time to shake up things like in the old days! GO BACK TO WORK ERIC SPROTT. GO BACK TO WORK LIKE RIGHT NOW. AND MAKE BE RICH OK?

Ok, so this is all pretty interesting isn’t? But that’s not all.

Prepared yourself, because there’s going to have MASSIVE inside trading for the very marvellous Just Energy Group Inc. (JE)!

Not that long ago, Just Energy Group Inc. (JE) announced that it will gradually buy some of its own stocks because according to Rebecca Macdonald and his fellow business partner Ken Hartwick, who’s by the way, very handsome AND he’s also from the board of directors of another company I hold, Atlantic Power Corp (ATP), the JE stock is undervalued. Currently, JE trades around 11$. Last year, when I was on a Just Energy Group Inc. (JE) real buzz (I wrote many many times about JE and it kind of got into the eyes of some fellow investors-bloggers), well Dividend Lover sent me a document coming from CIBC and it was saying about JE that my VERY precious JE was outperforming (whatever, some people really don’t know what they are talking about) AND.... watch out right here.... the target price for Just Energy Group Inc. (JE) was 17$ PER STOCK!

In the meantime, we got hit by the trouble in Europe, kind of a recession in the US, etc. etc. etc.

Because of external factors, Just Energy Group Inc. (JE) was not able to hit the 17$ per stock but one day, that day will come. And Rebecca MacDonald knows that as well. In result of their internal acquisition, Just Energy Group Inc. (JE) had decided to cancel their dividend reinvestment plan. I am not very upset about it because this will allow me to keep a 69.75$ directly into my pocket. Rock on.

Today is the last trading day of 2011! Can you imagine?

And to celebrate, I really really wanted to invest in something. I did several searches, trying to find something that will catch my interest, but I didn’t find anything. I had a 600$ to play with. The 600$ will have to remain on the margin account at this time because I really didn’t find anything.

I am still through the same thing: it’s getting harder and harder to find interesting Canadian stocks to invest in. Because of my margin situation, I mostly invest in a non-registered broker account. Forget about TFSA. I have a bit of money in a TFSA broker account, it doesn’t count for the margin value.

It’s become more and more difficult to pick stocks for my portfolio, I had faced that difficulty before. At this point, i am at 7k in dividend or almost and I really want to extend the dividend to hit higher than just a 7k. Because a 7k is just a 7k. See what I mean?

Tonight, I am going out to our local casino located on a Malecite reserved. I need to win the jackpot. Something needs to happen.

I just watch at the news that the TSX loss 11.3% this year! I am happy with my result despite not being able to shine with extraordinary gains. But a girl does what she can do.

Wish me good luck, tonight is Casino night!

Thank you and goodbye 2011 financial year.

In 2012, back to basic: buy-and-hold portfolio strategy

2011-12-28T20:30:00.001-05:00

The TSX may have lost close to 200 points today, it doesn’t matter, my non-registered portfolio closed today session at a bit more than 113k. I consider this as being quite good knowing the circumstances.

I will remember 2011 for the years to come. With all of my trading experiences made in 2011, I didn’t make money, but I didn’t lose any either. And this is quite extraordinary. I am not a professional, I am not a specialist. I simply try to do my best for my money.

The fact that I didn’t lose money on the stock market is just so spectacular because in 2011, the TSX past 52 weeks highest was 14 329.49 and lowest, 10 848.19 points (so far, at least). We are talking here of a difference of 3 481.30 points! In those market conditions, I consider myself very extremely lucky to be able to breathe without having to deal with capital losses. This show off the power of the TSX and we need to appreciate the quality of the Canadian stock market. With all the risks I took, I didn’t lost money. This is absolutely HUGE.

In 2011, I certainly over-trade, over-invested but I think that if I hold what I have in my non-registered portfolio at this time, chances are that I could gain in capital value. In 2011, I learned that it doesn’t worth it to go on a buy-and-sell, buy-and-sell over and over again. Its way better to simply hold, appreciate the capital gain and cash in the dividend. Simple things are sometimes too easy to follow. By buying-and-selling on and on and on, I exhausted myself and I could have used that time to do better things rather than being too active on the market and gambling my money.

However, I love the experiencing of trading. At the end, I feel it’s just something that isn’t made for me. It’s even easier to just stick-and-hold and cash in the dividend.

Merry Christmas!

2011-12-24T16:17:00.000-05:00

Merry Christmas and Happy New Year investors!

My 2011 investing year in review

2011-12-23T18:05:00.000-05:00

I am in vacations for the next couple of days. It’s currently snowing in the X town of New Brunswick were I am and I am currently still in my pyjama, watching Ellen show and blogging, doing absolutely nothing at all or almost. This is the perfect time to review how this 2011 year went financially speaking! Yeah!

I was EXTREMELY pleased yesterday. Imagine this: my non-registered portfolio hit the 113 243$. WOW WOW WOW. Only less than 4k is missing before I totally recover from my internal capital loss. And right now, it’s even getting better, I am at 114 035.37$. It’s all going pretty well and looking great for a complete recovery.

You’ll see below my BUY activities for my new investments add permanently I hope, in my portfolio:

Buy: iShares S&P/TSX Capped REIT Index (XRE)

Investment value (including commission fee): 1367.99$

Buy: Sprott Inc. (SII)

Investment value (including commission fee): 4 679.99$

Buy: CFX

Investment value (including commission fee): 1 479.99$

Buy: NFI

Investment value (including commission fee): 2 371.99$

Buy: EIF

Investment value (including commission fee): 1 998.99$

Buy: RSI

Investment value (including commission fee): 1 674.99$

Buy: CPA.UN

Investment value (including commission fee): 1 978.99$

February

Buy: STB

Investment value (including commission fee): 1 281.99$

Buy: GCL

Investment value (including commission fee): 2 353.99$

Buy: JE

Investment value (including commission fee): 1 575.99$

Buy: JE

Investment value (including commission fee): 3 132$

Buy: X

Investment value (including commission fee): 4 206.99$

Buy: DGI.UN

Investment value (including commission fee): 1 341.99$

Buy: DGI.UN

Investment value (including commission fee): 2 664$

Buy: WTE.UN

Investment value (including commission fee): 4 631.99$

March

Buy: KBL

Investment value (including commission fee): 2034.99$

Buy: WEQ.UN

Investment value (including commission fee): 2061.99$

Buy: DH

Investment value (including commission fee): 2107.99$

Buy: Sprott Inc. (SII)

Investment value (including commission fee): 4 974.99$

Buy: PSLV (US $)

Investment value (including commission fee): 2 039.25$ US

May

Buy: FR

Investment value (including commission fee): 1 943.99$

Buy: ATP

Investment value (including commission fee): 1 499.99$

Buy: PSLV

Investment value (including commission fee): 1 035.91$

Buy: EIF

Investment value (including commission fee): 2 399.99$

Buy: TRP

Investment value (including commission fee): 1 016.74$

Buy: K

Investment value (including commission fee): 1 667.99$

Buy: CNR

Investment value (including commission fee): 1 183.41$

Buy: FC

Investment value (including commission fee): 510.79$

Buy: CNR

Investment value (including commission fee): 960.99$

Buy: SFI.UN

Investment value (including commission fee): 486.99$

Buy: ENB

Investment value (including commission fee): 999.51$

Buy: AGU

Investment value (including commission fee): 950.79$

Those are the new comers in my portfolio for 2011! This was for the investment part, for what I plan to hold on to as long I won’t need the cash. Let see for the BUY for the day trading part:

Trading, short buy-and-sell for 2011

SPB

Buy: Investment value (including commission fee), January 27, 2011: 2 405.99$

Sell value (after commission), February 22, 2011: 2 252.01$

-153.98$

110 days x 0.2801495205479452 $ (interest of 4.25% x 2 405.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -30.82$

TOTAL: -186.08$

FTN

Buy: Investment value (including commission fee), on January 27, 2011: 1 029.99$

Sell value (after commission), on February 9, 2011: 1 050.01$

+20.02$

13 days x 0.1199303424657534$ (interest of 4.25% x 1 029.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -1.56$

TOTAL: +18.46$

HOD

Buy: Investment value (including commission fee), May 6, 2011: 674.99$

Sell: Value after commission fee, June 15, 2011: 675.01$

+0.02$

40 days x 0.0785947260273973$ (interest of 4.25% x 674.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -3.13$

TOTAL: -3.11$

YLO

Buy: Investment value (including commission fee), August 2009 + DRIP: 2 602.56$

Investment value on May 2011: 2 297.10$

-305.46$

No margin involved, for once.

Buy: Investment value (including commission fee), May 6, 2011: 2 702.99$

Sell: Value after commission fee, May 9, 2011: 2 785.01$

+82.02$

3 days x 0.3147317123287671$ (interest of 4.25% x 2 702.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -0.94$

TOTAL: +81.08$

Buy: Investment value (including commission fee) on February 14, 2011: 1 985.99$

Sell value (after commission) on May 9, 2011: 2 040.51$

+54.52$ + 16.50$ (dividend)

23 days x 0.2312454109589041$ (interest of 4.25% x 1 985.99$ / 365 = the interest per day (I made the investment using something name MARGIN): -5.3176$

TOTAL: +65.70$

HZU

Buy: Investment value (including commission fee) on March 7, 2011: 5 027.49$

Sell value (after commission) on March 23, 2011: 5 126.01$

+ 98.52$

16 days x 0.5853926712328767$ (interest of 4.25% x 5 027.49$ / 365 = the interest per day (I made the investment using something name MARGIN) = -9.37$

TOTAL: +89.15$

HZU

Buy: Investment value (including commission fee) on May 10, 2011: 2 912.49$

Sell value (after commission) on May 10, 2011: 2 942.51$

+30.02$

HZU

Buy: Investment value (including commission fee) on May 13, 2011: 2 942.01$

Sell value (after commission) on May 13, 2011: 2 934.99$

TOTAL: -7.02$

HZU

Buy: Investment value (including commission fee) on May 18, 201: 1 903.99$

Sell value (after commission) on May 18, 2011: 1 930.01$

+26.02$

HZU

Buy: Investment value (including commission fee) on May 19, 2011: 2 961.99$

Sell value (after commission) on May 24, 2011: 3 056.01$

+ 94.02$

6 days x 0.3448892465753425$ (interest of 4.25% x 2 961.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -2.07$

TOTAL: +91.95$

Buy: HZD

Investment value (including commission fee) on May 5, 2011: 2 669.99$

Sell value (after commission) on May 5, 2011: 2 730.01$

+60.02$

Buy: HZD

Investment value (including commission fee) on May 11, 2011: 2 729.99$

Sell value (after commission) on May 11, 2011: 2 750.01$

+ 20.02$

HZD

Investment value (including commission fee) on May 12, 2011: 3 125.99$

Sell value (after commission) on August 18, 2011: 1 878.01$

-1 247.98$

98 days x 0.3639851369863014$ (interest of 4.25% x 3 125.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -35.66$

TOTAL: -1 283.64$

SII

Investment value (including commission fee) on January 17, 2011: 4 679.99$

Sell value (after commission) on February 7, 2011: 4 967.31$

+ 287.32$

21 days x 0.5449303424657534$ (interest of 4.25% x 4 679.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -11.44$

TOTAL: +275.88

Investment value (including commission fee) on February 7, 2011: 4 707.99$

Sell value (after commission) on February 14, 2011: 6 279.69$

+1 571.70$

7 days x $ (interest of 4.25% x 4 707.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -3.84$

TOTAL: +1 567.86$

PHS.U

Investment value (including commission fee) on February 14, 2011: 5 424.91$

400 units at 13.49$

Sell value (after commission) on February 15, 2011: 3986.94

300 units at 13.72$

+46$

PHS.U

Investment value (including commission fee) on February 22, 2011: 7 017.60$

Sell value (after commission) on March 1, 2011: 7 049.68$

+ 32.08$

7 days x 0.8171178082191781$ (interest of 4.25% x 7 017.60$ / 365 = the interest per day (I made the investment using something name MARGIN) = -5.72$

TOTAL: 26.36$

OVERALL TOTAL: +648.87$

I know, I rock the place. With all the risk I took, I am extremely lucky to finish the 2011 year on a positive trading note. I work a big part of the day of this, so I hope you enjoy!

Overall, including the proper investment and day trading, I bought for over 114 000$ value in stocks this year! Funny fact, my non-registered portfolio currently worth 114 222.08$! 2011 had been a chaotic trading year. I had bought, I had sell, made money, lose money. I won’t be ever again trading like that of my life that’s for sure! Aie, aie aie!

2012 is going to be much soother for many reasons. First of all, it’s not anytime soon that I am going to buy stocks by using money from my margin account. The experience was fun, but I am extremely lucky to have gone through the whole thing without getting deep into losses. This was suicidal! I totally assume my entire investments move despite the craziness.

The whole day trading began shortly following November 2011, when Sprott launch the very fantastic Sprott Physical Silver Trust UTS (PHS.U). I began to buy and sell PHS.U on a regular basis. At the time, silver was a rocket, it was going up-up-up!

I always promised myself that if I would be to lose control over my investments, if my loses exceed my gain, than, at that time, I will stop investing and of course, stop blogging.

At the time, I am on a negative note but I find I did very well knowing:

a) All the trading involves in 2011.

b) The level of risk I took (day trading is RISKY).

c) Bad economy worldwide.

Let’s calculate the overall if you don’t mind:

Amount of money made on trades (non-registered): +648.87$

Non-registered portfolio current value: 114 257.34$

Securities book value: 117 836.15$

-3 578.81$

Interest on debt that are part from the non-registered portfolio: -3 564.03$

Dividend gain so far: 6 768.30$

+648.87$ -3 578.81$ -3 564.03$ + 6 768.30$

= +274.33$

This means that I am finishing the year 2011 with a POSITIVE gain of +274.33$ inside my non-registered portfolio.

This is actually VERY VERY good.

Why should be happy about a gain of +274.33$?

BECAUSE AT LEAST, I AM NOT LOOSING MONEY.

Don’t forget: if my loses exceed my gain, its game over.

No more investments, no more blog.

As usual, I am invincible. I consider myself lucky for not finishing on a negative note actually. I know my way to calculate is like unconventional, I am not counting the 30% taxes on the dividend income ok, but a girl does what she can do.

Will 2012 be as much WILD?

We are going to find out soon...

Hot chick with a 112 738.93$ non-registered portfolio

2011-12-21T21:03:00.000-05:00

Who's that girl?

ME THE DIVIDEND GIRL.

Of course........

I think we may be on the road to finish the year 2011 on a positive note. The situation seems to get better in Europe. At least, the situation is getting stabilize. And that’s a good thing. And all the good things going on right now are just adding up to my portfolio. I am at a very good 112 738.93$ in my non-registered portfolio. I have the possibility to hit the 115k very easily in a good market condition. I feel the overall 200k is SO NEAR BY! We’ll see how it goes, but my feeling is good. I am going to go back to the 117k really soon. It’s now just a matter of when. And when it will happen, it will be a day of celebration.

My latest investment in Agrium Inc. (AGU) had been one of the greatest moves EVER. On December 14, I invested in Agrium. At the time, I bought stocks at 67.20$. Agrium Inc. (AGU) closed today session at 69.76$! This is very good and stuff like this really helps me to beat the internal capital loss I am experiencing right now in my portfolio. I don’t mind handling that shit of stock market we are in right now but I need to see a recovery and at 112k+, I am actually seeing a sign meaning: you bitch know how to invest FOR SURE. KIND OF.

Are you Christmas ready?

I am :)

Remember the name: XOXOX – Part 2

2011-12-20T19:38:00.000-05:00

It doesn’t seem like it, but I am currently very busy. It’s the 2011 year count down! Only less than 2 weeks to DO EVERYTHING that needed to be done for 2011! CRAZY! LOL!!! Anyway, one of the thing I had to do and was a real misery is to contact Revenu Québec regarding the letter they send me the other day. I call the Mrs. XOXOX who handles MY case. Well, the lady that I previously exposed the name instead of this ridiculous XOXO was.... in vacations! Thank YOU! Very extremely helpful! I spoke to someone, explain I need a delay to have the case close and classify... I took the name of the guy of course but I won’t write it in here LOL! I call them because I try and I try to speak to someone at my old job but could only reach voicemail.

So I call Revenu Québec saying I couldn’t reach no one and that I needed more than just 21 days to lode the thing. So than I was told that the insurance could provide the letter needed. I call the insurance company I had at the time, which was Desjardins and it didn’t take long, I was told I will be provided a letter really soon. I didn’t have too many explanations to provide, as I was told those kinds of letters are quite common. So Quebeckers are not that full of shit after all. :)

All this is concerning the medical insurance related to the RAMQ. Something happen. No matter what, I am ready to fight and FIGHT hard. So by ready! I am going to start with the letter and if it turns out to be ugly, I am going to move to the next level, if you see what I mean. The name will simply be put back on my blog. I know, but if you decided to be a bad girl, need to be very very badddddddd.

Quebec province is not going to get a single penny out of me. NO WAY! I must admit, at a point, I was eligible to get my employer insurance but I didn’t want to get it. Remember me: I am the lady who’s NEVER sick. And this is true! I was in Quebec for the past eight years or so and I NEVER went to the hospital, never went for a medical visit at a clinic, never went to a CLSC. I never benefit from anything of that damn Quebec health system. So I paid and I paid like crazy, but I never benefit of ANYTHING. And forget about getting medications. I don't need any of that either, luckily.

I look pretty sharp like that, but each single time I get something from that Revenu Québec shit, I am the one who`s wrong, like all the time F*! Anyway, I cannot wait. While being with the phone with a probably very hot guy from Revenu Québec, I asked if he known how much I own Revenu Québec. He couldn’t tell because the letter was needed. I have other things to do than just talk to some probably very handsome gentleman over the phone you know!... WHATTTTTTTTTTT. LOL.

It seems like that Mrs. XOXOX is specifically assigned to the RAMQ cases like mine. Must be a very badly boring jobbbbbbb! AHHHHHHHHHHHHH!

Merry Christmas Quebeckers and Happy New Years....... even to YOU! LALALA.

Tim Hortons (THI): a Gordon Pape super stocks. Really?

2011-12-17T18:17:00.002-05:00

So far for 2011, Gordon Pape super stocks selection is: Enbridge Inc. (ENB), Canadian National Railway Co (CNR), BCE Inc. (BCE), Toronto-Dominion Bank (TD) and Fortis Inc. (FTS). To this selection, Gordon Pape recently adds Tim Hortons (THI). Why oh why? But hey, Gordon Pape is Gordon Pape. He’s certainly not the Dividend Girl! lol! I appreciate Gordon Pape but sometime, I totally disagree on what he says. However, you cannot have better TFSA advices than those provide by Gordon Pape. He knows it all when it comes to the financial non-sense literature, so got to pay the guy some respect. At least.

Among Gordon Pape super stocks, I hold ENB, CNR and FTS. During the 2011 financial year, I had invested in TD Bank, but I sold the investment at profit after a couple of weeks of holding. I am not a fan of everything related to finance. I only hold a couple of financial stocks: Sprott Inc. (SII), Bank of Nova Scotia (BNS) and Davis + Henderson Corporation (DH). The reason why I don’t like financial stocks is because they are too sensible to the stock market volatility to be massively hold inside a valuable investment portfolio.

And what about BCE Inc. (BCE)? I exposed my view on BCE Inc. (BCE) before. I don’t think BCE is a good stock to invest in for multiple reasons that you can read on here.

Is Tim Hortons (THI) a good investment? I do go to the Tim Hortons once in a while. For Christmas, I bought my father a 50$ Tim Hortons card. I really didn’t know what to offer and a Tim card was perfect because he goes to the Tim Hortons quite often. So when it come to Tim Hortons, I know the place, I know the products.

However, at 49.03$ per stock, I find Tim Hortons (THI) stock price quite expensive for a company only selling coffees, bagels and donuts among other. On top of an expensive stock price, the dividend yield is low. Only 1.387%. Who’s making profit on Tim Hortons (THI) lucrative business? Certainly not the investors – and certainly not the employees either who are, for the vast majority of them, probably receiving a minimum wage salary. The company is not really generous in term of wage and dividend. Those are 2 factors to take into consideration. Here’s something else that will help you understand better my position regarding Tim Hortons (THI).

At 30.27$, my Pembina Pipeline Corporation (PPL) is much lower in term of stock price or value, but pay a lot more in dividend – 5.154%. I began to invest in PPL when stock price was under the 15$. Enormous gain $$$.

We cannot compare Tim Hortons (THI) to Pembina Pipeline Corporation (PPL) in any way, but you can certainly get better for your money than THI. At this point, THI is in among its highest value. I don’t think that Tim Hortons worth 49.03$ per stock. I don’t believe in that over rated stock value.

It could be a good idea to eventually add a few stock of Tim Hortons (THI) in my portfolio to add up to my internal diversification, but at 49.03$ per stock, it’s something that really needs to be think of. I prefer to invest in other companies. Agrium Inc. (AGU) was my latest investment and it was a good one. Now, my only problem being what’s going to be my next investment? That's the eternal question.

Fact is, it has become a real challenge to invest these days. I do my best to add new stuff in every month but it’s really not easy. It’s getting more and more difficult to pick stock.

More money, more problems.

Look who has a non-registered portfolio worth 110 554$!

2011-12-17T08:47:00.000-05:00

Of course, that person is ME! This is quite good compared to the 109k of a couple of days ago. My newest investment in Agrium Inc. (AGU) is performing well. Overall, my situation is improving. Currently, in my non-registered portfolio, I am experiencing a loss of 7 246.30$. I had invested a total of 117 800.30$.

117 800.30$ - 110 554$ = 7 246.30$

Not too long ago, the capital loss was only of 5k. It’s doesn’t take that much in order for me to stabilize the situation. Once the market rebound, that 7k capital loss will simply not be there anymore. This is paper stuff related.

I am not experiencing a direct capital loss of 7 246.30$ in my portfolio. A capital loss is direct when it results from the sale of stocks. However, while holding, everything is possible, especially with a blue chips oriented portfolio. And that’s exactly what I am looking into: to get a maximum of high quality Canadian blue chips in my already super-super portfolio to stabilize the value, upgrade the dividend income and rock the TSX ok.

While facing capital loss in stuff you hold, it’s really important to analyze the situation. With my actual position, I feel comfortable. I can go to work during daytime and I know for sure that my portfolio value won’t collapse overnight. Fact is, we live in a capitalist system and retail investors like you and I need to take advantage of the shitty system. Being exposed to the stock world involved dealing with a lot of risk, but it’s also rewarding. However, it takes good nerves to be able to support the market volatility. Just that part will decide if you are going to win or lose on the market. For 2011, I am not winning, but I am established for the long term. And while waiting for my portfolio to BOOST in value, I will simply to another thing that I do best: I will just keep the entertainment ON.

For 2012: a net worth of 100k and a portfolio value of 200k

2011-12-15T20:24:00.000-05:00

With the help of my latest investment in Agrium Inc. (AGU), my non-registered portfolio closed the day exceeding the 110k. It takes a LOT of money and a LOT of investments to be able to make it to the mark of 110k. It’s not getting any better and I have a feeling that I may have to close the year on a negative note. However, the recent blue chips I add on lately, like AGU, CNR, TRP and ENB, just to name those few, increased my chances to be able to register great gain. But that will have to be considered for the long term only.

2011 had been a chaotic year. I will remember for a very very long time the year of 2011. The first year of a new decade. Very complicated, complex year overall. I had invested a lot of money. For a little while, my portfolio was doing very well. But during the year, there’s been a couple of crash, and my portfolio got badly hurt. I think I can possibly get a net worth of 100k by the end of 2012 and, why not, a 200k portfolio value.

One of my best investment moves of 2011 would have been certainly in Canadian National Railway Co (CNR). I initially invested in CNR when the stocks were only at somewhere to 65$. Westshore Terminals Invest Corp (WTE.UN) and WesternOne Equity Income Fund (WEQ.UN) were also 2 very good investments.

Financially speaking, the most significant event was the proposal made by the Maple Group to acquire the TMX Group (X). The whole thing is pretty much disgusting and the closure of the deal is being pushed every 6 months. Instead of giving a reasonable delay, like one year for example, the TMX prefer to treat foolishly its investors. Well, I am going to tell you, at this point, if the deal go through, I will be cashing in a 50$ per stock and if not, I will just keep TMX in my portfolio. TMX dividend is not exactly awesome, but is quite reasonable and X had earned great value this year. The TMX Group is not a very well manage company, but you need to take your chances on it like I did. But I wouldn’t recommend you to invest in TMX Group (X) at this time because its situation is far from being reasonable and stable. You can get better for your money.

Liberal MP Justin Trudeau: another Quebecker full of sh*t

2011-12-15T15:42:00.001-05:00

For those are you who are strictly interested in this blog because of my wonderful super-powerful investment abilities, the following post is not for you. I must admit, the title of the present post has exactly the kind of PUNCH I am looking forward to have on this blog. Here are the facts: I am the anonymous blogger looking forward to provoke readers with my bad writing and a “graphic language”. I even prefer “coarse language”.

Your better stick to your words or I won't vote for the Liberal Party ever again of my life!

On the other hand, Justin Trudeau is a political figure who’s supposed to know how to behave publicly. However, seem like Justin Trudeau is opting for a provocative behaviour that is not ok for an MP to have. If you haven’t heard about what happen, you can read about it here.

Justin Trudeau doesn’t work hard for his money. No matter that he work well or not, he’s getting paid as long as he’ll be an MP. Look at his fresh face, wrinkles-free. I mean, that’s not the face of a hard working man who knows how to behave in the House of Common. Justin Trudeau has a baby face. The face of an immature man.

Do you really want an immature man to become the leader of the Liberal party? Come on!

You need to face adversity in loyal manners if you want to become a leader. Justin Trudeau should take example on Barack Obama. Gentle and kind, totally in control, but fight likes a bulldozer. Actions can change the world. Not bad words.

Justin Trudeau is desperately in need of attention. Desperately in need of media-people attention. Want to become a leader? BACK OFF. I don’t want a Quebecker full of what you can imagine to become leader of a federal political party.

Leave the coarse language to bloggers, Justin Trudeau. Learn by your mediocrity.

Welcome in my investment portfolio Agrium Inc. (AGU)!

2011-12-14T18:01:00.000-05:00

Ok, I know, with this week pay cheque, I was supposed to convert Canadian dollars into US ones and following what, I was supposed to invest in a US blue chips. That was actually BEFORE the TSX began to drop some points AGAIN.

Because of my margin situation, I need to be very careful the way I handle my finance. I really need to add up to the value of my non-registered portfolio. That way, I decrease my chances to get a margin call or worst, having part of my precious portfolio sold out. I don’t have too many choices, I need to pay off my margin or invest in Canadian dollars. I decided to invest in Canadian dollars. That’s how I invested in some stocks of Agrium Inc. (AGU) at 67.20$. AGU closed today session at 67.13$.

A sign that this worldwide economy is in a real bad shape are the numbers coming directly from the U.K. Personally, I always taught of the U.K. as being one of the best economies worldwide. But seem like no one can go intact of this bad economy. According to the Globe and Mail, Britain’s unemployment rate hit its highest level for 17 years!

Too bad. Love those British people!

While having those things in mind, it’s important to adjust to the overall situation. It was a good idea to get more of those fantastic US dollars – I was certainly happy about the idea – but with those circumstances, I preferred to stick to Canadian stocks.

Sorry US dollars!

My investment made in Agrium Inc. (AGU) today is close to 1 000$. This amount only provides me a couple of stocks – even less than 20. But no matter how much stocks I hold of AGU now, AGU certainly bring a nice diversification in my maybe too pipeline oriented portfolio. Agrium Inc. (AGU) is a potash producer. The company announced today an annual dividend increased from 0.055$ to 0.225$. Nice, but Agrium Inc. (AGU) dividend is not exactly what I will name as being generous.

However, I think that Agrium Inc. (AGU) can bring a great deal in my investment portfolio.

Also today, Agrium Inc. (AGU) announced that measures had been taking for the company to increase its potash production of 50%. That’s quite something right there.

Overall, AGU chart is impressive. In the past 52 weeks, AGU lowest value had been of 63.93$ and highest 98.02$. I place my trade at 67.20$. At 67.20$, I am not that far away from AGU lowest value of 63.93$. There could be some volatility on this stock, but the try really worth it. Imagine if my stocks reached one day 100$! My investment in AGU could turn out to be very lucrative in the future.

Even following this new investment, my overall non-registered portfolio value is under the 110k. Sad but at least, I am still holding to a job. I am not from the statistic. At least for now.

Remember the name: XOXOX

2011-12-12T19:24:00.006-05:00

Want to get another proof of Quebeckers very limited intelligence?

Ok, here we go again.

XOXOX.

XOXOXO is the person from Revenu Québec who’s currently reviewing my 2009 tax declaration. I have absolutely nothing to hide. I don’t have any problem at getting verified, but please, don’t act stupidly. I generally make 40k+ a year, quite not bad salary. The woman is going to get the hell of a job to do on my declaration because while living in Quebec province, I had been working at different jobs at the same time, on top of that, I had a mix of investment incomes, RRSP contribution, TFSA, I also had a little income coming from this blog. Absolutely EVERYTHING had been declared. Absolutely everything. I am clean. I am not into dope. 2009 had been quite a good year financially speaking.

I am not a cheater. I am not a liar. I am like that on this blog and as well as in life.

I am perfect, just like my investment portfolio is.

I am not that perfect actually. I cannot take any bullshit coming from Quebeckers!

I had received a letter from that lady asking me to get a letter from the insurance company I had at the time. It’s concerning my contribution to the Régie de l'assurance maladie du Québec (RAMQ). She wants to know how much the insurance company had contributed to the RAMQ. In English, you could translate the RAMQ by the provincial health insurance.

I unfortunately lived in Quebec province for many years and I know too well that their system does not worth shit! No want can actually came here and say that I am saying wrong about this! You really need to experiment Quebec mediocrity by yourself to have a real sense of what the shit is all about.

While living in Quebec for several years, I NEVER had the chance to benefit from the health system. I never been to the hospital, I never been able to find a family doctor, I NEVER had my annual check-up down, I NEVER went to the CLSC, I NEVER went to a Quebec hospital of my life, NEVER. I NEVER received any services coming from the Quebec provincial system.

I am very lucky, I am actually NEVER sick. I am a kick-ass investor and my “ass” is in good shape thank you very much. You don’t know what you read here until you get a real sense of what this whole blog is all about. It’s about money, it’s about power, it’s about being Canadian.

I don’t want to have anything to do with a province that is not loyal to Canada. Fact is, Quebec province cannot handle its provincial health system. I had paid for a service that I NEVER of my years living in Quebec been able to benefit. And now, those idiots of Quebeckers are asking me a proof that I had paid for a service that no one allow me to benefit!

What the hell!

Only Quebeckers can be that dumb.

The letter include my social insurance number. Not very intelligent to add in a letter my social insurance number.

What I am going to do is fill a complaint and ask why I am getting verified over a service I never been able to benefit. I am going to sue the poor Quebec government with a small claim just to really pissed them off. You’re not going to pissed on me but on yourself!

Quebec system is all fuck up. Living in Quebec was a total waste of time for me. The taxes are extremely high and on top of that, the social environment is crap.

To XOXOXO; go check the 2009 tax declaration of Brian Mulroney to see if he had steal money from Canadians once again!

Check declaration of criminals like Brian Mulroney but don’t after me playing it smart with you RAMQ.

I am not a criminal and the RAMQ had been paid by the insurance of my employer.

Stay away from Quebec province if not, the same thing could happen to you!

Want to get EXTREME about dividend investment?

2011-12-11T09:10:00.001-05:00

I have this reader that I name in here as being the mountain lion hero (killer). You got to read about this one if you ever had. It happens that the mountain lion hero is quite of an interesting sophisticated investor.

One day, following the sending of what I will call “junk mail”, I asked him if he had anything related to stock to send me as info instead of his junk mail lol. It turns out to be a completely hilarious email from my part, of course. And I think he found it quite funny because the reply I got from him was just fantastic.

I did even worse than this once. A man sends me an email one day and without knowing more about him, I simply reply the following:

WHERE DO YOU LIVE AND HOW OLD ARE YOU?

:0)

This is exactly how I make male readers go crazy about me.

It’s not anytime soon I am going to show part of the beautiful me on the Web, so I have to find away, other than money, to get the attraction and interest going.

Ok, so here we go. Are you ready?

I am just going to copy and paste the fabulous content. I don’t feel like writing much, I didn’t have breakfast yet.

The hot stuff is in here:

“OK my girl.....check this out....

Call these up and look at the yield: (HEE) (HEJ) (HEX). These are "Covered Call" ETF's. The yield varies from month to month.........Highest yield yet was for (HEJ) in November 36% (yearly)

Don't jump in until you study how they work for a few months

Here is my tracking on (HEE)

Horizons Enhan. Inc En (HEE) Monthly Dividend paid shown below
Nov $1.56/yr (21.09%) or $0.13011 for just that month
Oct $1.66/yr (21.58%) or $0.13886 for just that month
Sept $1.59/yr (21.06%)
Aug $1.42/yr (18.81%)
Jul $1.50/yr (19.87%)
Jun $1.46/yr (19.34%)

Here is my tracking on (HEJ)

Horizons Enha. Inc. Intl. (HEJ) Monthly Dividend paid shown below
Nov $3.50/yr (35.55%) or ($0.29135) for just that
month
Oct $2.77/yr (26.88%) or ($0.23112) for just that
month
Sep $0.92/yr (16.21%) or ($0.07639) for just that
month

Note: the yearly dividend amount is theoretical and is 12 x the actual dividend paid for that month so:

(HEJ) paid $0.29135 for the month of November so for theoretical yearly numbers multiply this by 12 and this gives us numbers that can be compared to other stocks and ETF's - all of which are shown for a year.

The calculations have to be performed each month because of different cash payouts each month.

Here is the website to explain how the energy one works: “Horizons Enhan. Income En. ETF (HEE)”:

http://www.theglobeandmail.com/globe-investor/markets/stocks/summary/?q=HEE-T

Go here to see ALL Horizon dividend payouts to compare (it's an address not a link - you will have to copy it and paste it to the address bar in your browser)

http://www.theglobeandmail.com/globe-investor/news-sources/?date=20111020&archive=cnw&slug=C6232

The rest of his email was regarding his junk content he had sent previously. But just if you want to know:

“"Meat Glue" itself isn't unhealthy.......But when it's used to make a "pretend" steak you must cook it to at least well done or the bacteria trapped inside could survive and you could get sick from that.”

Meat glue is scary.

What do you think about the stuff of the mountain lion hero? Pretty impressive isn’t?

His ETFs are in US dollars.

Cold weather this morning in New Brunswick!

2011-12-11T08:14:00.000-05:00

Ok, watch it for yourself....

This is unbelievable!

It wasn’t that cold in Montreal for sure! Last year, I spend the whole year, including the winter season, without my usual monthly metro pass. I walked 45 minutes to go to work. It was a great way to keep in my pockets 70$ and on top of that, I was exercising daily, walking closed to 2 hours a day.

I don’t think I could do the same thing here in this X town of New Brunswick. Terrible cold weather and despite being a REAL Canadian, I never of my life got used to the cold weather.

A -18-19, is EXTREME.

But me aware, this week is going to be extreme as I am going to convert some Canadian dollars into US ones and we’re certainly going to invest in some USA blue chips!

The American Dream or almost

2011-12-10T15:11:00.000-05:00

Yesterday, I went for a visit to the country of Barack Obama, Lady Gaga and Annie Jean!

:)

That’s right, yesterday, I went to the USA!

I didn’t went for a good 10 years+, because I was away. But while being back here in my hometown, I find it nice to own a passport to cross board like in the old days. Old days that are not that old. You can read about my cross boarding adventure right here. Also yesterday, I received 31.32$ in dividend from Fortis Inc. (FTS). Nice!

Following what, I had an idea about getting more US dollars in my portfolio. At this time, the exchange rate provided by my TD Waterhouse broker account is the following: $1.00 USD = $1.0325 CDN. A $1,000.00 CDN worth $968.52 USD. Not bad, but we had a better exchange rate for our Canadian dollars before. I want more of those:

For the past couple weeks, I didn’t invest. I had no idea what to do with my money. Getting more US dollars could be a good idea and it’s time more than ever to get some US dollars before it gain more in value. I am really happy about my finding. It took a trip to the US to get a plan for my money.

Hopefully, I will invest in US blue chips and get super rich, the American way.

Why you shouldn’t be investing in BCE Inc. (BCE)

2011-12-08T20:54:00.000-05:00

At this time, I am in a phase were I don’t know what to do with my money. I use to invest every months or so whenever I had money available. What happen these past couple days is that I have money available, but I no longer know in what to invest. Because of a margin account situation, I always invest in my non-registered account. Forget about TFSA. The ultimate goal had become to keep me out of a margin call. Also, because ambitious has no end, I also want to see the value of my margin account increased and of course, I also want to see the value of my portfolio increased.

Overall, the fun is to invest-invest-invest! Part of this certainly comes from the fact that I have a small net worth (close to 70k at this time). For someone of my age (31), a 70k is really not that much. However, that 70k satisfy me. At first, I only wanted to invest to have a bit of cash on the side. But years past – maybe too quickly – but I realize how easy it was to build a portfolio. So I just never stop. At least until recently. It has become more difficult than ever to find something to invest in. A reader has suggested Visa (V). Nice idea, but Visa trades in US dollars. I am exclusively looking for real Canuck stuff at this time. Don’t forget my margin situation in my broker account please.

Ok, so all this to say that despite not knowing in what to invest new anymore, well, today, I learned that BCE Inc. (BCE) had increased its dividend of 5%. However, BCE Inc. (BCE) is of noooooo interest for me. Why? I am going to explain, as always. You know that this is the blog to read when it comes to personal finance right?

First of all, BCE Inc. (BCE) headquarters are located in Montreal, Quebec province. What you need to know is that Quebeckers are extremely selfish individuals. There’s a lot of corruption going on in Quebec, we recently saw that in the construction sector and even more recently, in Quebec public kindergartens. In Quebec, citizens accept living in corruption. You’ll learn about their corrupt system in the news. That’s because they are proud of it. They are proud of their shit like I am proud of my 70k net worth. Quebeckers like to expose their corruption, but they are not willing to see it change.

Quebeckers are not good Canadian citizens. They are cheaters and liars and have to respect to Canadian roots. Bloc Québécois, Parti Québécois, Pauline Marois, Gilles Duceppe, just to name a few organizations and a few names, just a few examples of Quebec misery, cheaters to the Canadian country, not loyals, cheaters, liars, corruptive. In their willingness to succeed, Quebeckers messed out badly. In Quebec province, the Québec sovereignty movement is getting stronger.

As an investor, it’s extremely important to know exactly what’s going with Quebec province.

Are you going to invest in companies located in Quebec knowing exactly how badly that province is manage. The massive part of Quebec is not proud of being part from Canada. Our dollars are Canadian dollars. It’s more than important to keep investing exclusively in companies located outside Quebec province.

What’s going to happen once Quebec will become a country? If you invest in a company that has its headquarters in Quebec province, you increase your chances of losing all of your capital. You are investing in a province that doesn’t believe in the power of Canada. You are investing in a disrespectful province. In a province of cheaters. From my experience, all the companies based in Quebec province that I had invested in haven’t performed too well. Need an example? Yellow Media Inc. (YLO). Timminco (TIM). Those were 2 disastrous Quebec stock pick.

Don’t take your Canadian bucks to increase the capital value of Quebec province. That will be very wrong.

One day or the other, BCE Inc. (BCE) will decrease in value. And when it will happen, I will be protected because I do not hold any BCE stocks in my portfolio.

Invest safely and wisely. Canadian bucks need to remain FOR and IN Canada for Canadian companies.

Forget about BCE. It’s recent dividend increased is just a tactic to distract investors from the fact that the company is located in Quebec.

On how to deal with the market volatility without going nuts: a study case with Just Energy Group Inc. (JE)

2011-12-07T20:48:00.001-05:00

There’s something I have in mind as post idea that I wanted to share for quite some time and I think that now than ever than before, this is the perfect time to write about it.

I am a HUGE Just Energy Group Inc. (JE) fan. I don’t know if someone can really be “fan” of a specific business, but I am a fan of Just Energy.

You really have to read about Rebecca MacDonald here and there on the Web because her business story is closely related to the journey that all began when she left her country for Canada decades ago. Now, new players had been added to Just Energy management, but it’s always the same company. On her first operational year, Rebecca MacDonald had recorded a profit of 35 000$.

Years later, it’s now millions and millions of dollars that this woman worth. More than just a personal story, Just Energy is a successful business story. I had been holding Just Energy for quite a while. Months after months, the dividend payments are steady and reliable. Even recently, the company announced their decision to keep their 1.24$ annual distribution intact. Nothing is guarantee, but base on my past experience with JE, the company is reliable.

More than one time, I had received special dividend payments of Just Energy. MORE THAN ONCE.

For strategic reasons, Just Energy had decided to extend its successful business in the USA. That move was quite brilliant coming from Just Energy because once the US economy will rebounded, Just Energy title will also rebound. Simple is that. This is my view of JE situation at this time.

You need to decide now if you are a believer or not.

The past couple months had been rough for Just Energy Group Inc. (JE). The company had fall from a 13$+ value to 10$. Other good stocks from my portfolio had been through the same rough time. They are Pengrowth Energy Corporation (PGF) and EnCana Corporation (ECA), among other. For a reason or another, because of a mix of factors and circumstances, stocks like Just Energy go through a hard time when the economy is unstable.

Is it because Just Energy had fall from 13$ to 10$ that it mean that JE had lost all of its value and security? Is it because EnCana Corporation (ECA) had fall from 30$ to 20$ that we need to sell the stock in a rush? Is it because Pengrowth Energy Corporation (PGF) had fall from 13$ to 10-11$ that you need to sell the stock?

COME ON! JE has debt like I have debt. Does it necessarily mean that I am not financially wealthy? I don't think so. It's all a matter of point of view.

What I really wanted to share is this: Your immediate reactions while facing the market volatility will determine if you are going to be a successful investor or not.

I don’t have many years of experience as a stock investor, but overall, I now been investing for the past 7 years. For stocks, it’s been 4 years. The past 4 years had been full of experience. Imagine: I started investing in stocks in 2008! Do you remember what happen in 2008? In 2008, the world economy collapse and I wasn’t ready.

Just before the stock crash of 2008, I had invested 5 000$ of my hard earned money in Sprott Inc. (SII), 10$ per stock. I had pitched 5k of my very own money in one single stock! Why? Because I was and I am still am a Sprott Inc. (SII) believer. Following the stock crash of 2008, Sprott Inc. (SII) valued went down under 5$! If I remember well, it even went, at a point, under the 4$ per stock! While facing this enormous capital loss in my portfolio, what have I done? I HOLD. I hold because for me, it was very cleared that SII was being a victim of the crash.

So here come the main point, to be a successful investor, you need to be able to deal with the market volatility. If I would have sell my SII stocks during the 2008 stock crash, I would have lost thousands of dollars! You need to be able to tell the difference between a stock being victim of the worldwide economic situation and a trouble stock.

A stock that is simply a victim of what’s going on around it has the ability to rebound when the stock market will gain points again. This is what stocks like JE, PGF and ECA just to name a few are in at this time. Don’t ever sell a stock that has the capacity to rebound. It will be a huge mistake and you could not be able to ever recover from your capital loss because if you sell, the capital loss isn’t going to be just paper stuff related, it will be a real registered capital loss, the real big deal.

In the other hand, a trouble stock is a stock that cannot handle itself. The best example of a trouble stock would be Yellow Media Inc. (YLO). I had some YLO stocks that I sold a couple of months ago at something like 5$ per stock. Following what, YLO had become a penny stocks. Yellow Media Inc. (YLO) now trade at less than 30 cents per stock. This is what I call, ladies and gentlemen, a TROUBLE STOCK.

Now, it’s not always easy to get if a stock is just being a victim of a situation or if it’s a trouble stock. I admit that of course.

From my experience, I haven’t got too much trouble finding out, especially following my learning disastrous experience with Timminco (TIM) that I wrote many many times about. You can do a search in the search engine located at your right if you are willing to learn more about my experience with Timminco (TIM).

I still hold Timminco (TIM) in my portfolio and the current 4k capital loss that I am experiencing in my non-registered portfolio is coming from Timminco because I had lost 4 000$ in that investment. But that’s how it went for. Even following the Timminco disaster, even following the 2008 stock crash, I had been able to recover. Being able to recover mean being able to recover from capital loss, it mean being able to make it so the capital gain exceed the capital loss. It’s not something easy to do, but I did it more than once and I can certainly do it again.

It’s not easy to invest in stock, but it’s not difficult either.

Overtime, I came with a few real basics rule that really help me to build my capital.

We can discuss a few of them. It’s nothing magic, real basic.

Don’t invest in penny stocks. From what I remember, my investment in DNI was my last penny stock investment. It turn out that I did pretty well on it – but that been AFTER 2 years of holding. From my experience, penny stocks are not very healthy to hold and it’s not the kind of stock you can buy to build up your capital. Avoid penny stocks.

No no to day trading.

Day trading could seem appealing. If you like the stock market as much as I do, you’ll probably, once of these days, try day trading. I experience a capital loss of 1 000$ while day trading. I share it all on my blog. It happens this past summer. I was successful with a couple of trades, but at the end, lost a 1k and I end it there. If I would have continue, I maybe would have able to recover.

Only problem being that I find all of the day trading activities related extremely difficult and at a point, I was getting very tired. I was working at night and during the day I was in front of my laptop all day long. The market was difficult to follow. Not to forget that in the beginning of August 2011, we had another stock crash. It all really burn me and I didn’t want to continue. I felt my life was losing all meaning and I was completely drained.

The stock market will continue to be difficult, you can be sure of that. These days, nothing is stable. The market is playing the yo-yo on and off. It’s exhausting, even while being outside the day trading game. Better to play it safe while investing in stock. Day trading is out of the question.

Diversify, diversify, diversify.

Diversify in different companies, different sectors. Gold, silver. Invest in all. go baby! :)

Also, don’t invest too much of your money in one single company.

Among the way, you may like to invest in GICs and fixed income and/or left something in your banking account to have money aside in case of need. It could happen that the market is down when you need to cash out your stock. And you certainly don’t want to experiment a direct capital loss and you certainly don’t want to sell any of your stocks anyway.

Don’t over-push it. Don’t feel like investing? Well, simply don’t invest. Don’t rush anything. It's ok not to invest. Take for example Jean-François Tardif who had said, not too long ago, that he only invested 30% of what he owns in cash! I finally come to a point where I accept the fact that I may not going to invest anymore.

This is something specifically related to my own situation. I had been investing for the past 7 years, 4 of those last years in stocks. About 2 weeks ago, I had some money to invest, but for the first time ever, nothing interested me. I didn’t feel like investing. I didn’t find anything new to invest in.

Following what, I stop my search and simply decided not to invest. I am going to receive my paycheck next week. And again, so far, no new stocks ideas had tempted me, I am not falling for anything new.

Not that I have the best portfolio you can ever, but personally, I have invested in everything that I ever wanted. I don’t want to invest more in any of the stocks I hold. When I invest, I always try to get something that is not currently from my portfolio. I always try to get something new. So because I had filled my stock aspirations, I can pay off some debt of mines and stop my search. Maybe something will come among the way. Maybe I will invest in BA, POT or Canadian Tired some other time but right now, the excitement is not there. I don’t feel like it at all.

Is it a good or a bad thing? I don’t know, but at a point, the necessity to pay off some debt is there. If I can reduce my debt, the 7k in dividend income will be net no interest to be paid on debt. So that’s where I am at now. I don’t have any more stock aspirations and I am slowly getting use to the new situation.

I pretty much wrote all of what I had in mind for tonight, if not that if you feel like investing, you may want to exclusively focus on blue chips. Don't focus too much on the dividend you are earning. It's not overnight that you are going to be able to stop working anyway. Be happy at work even if you don't like your job (I know something about that!).

It's all a matter of artificial intelligence. Consider yourself lucky to be alive, to be living in a peaceful country like Canada (if you live in here of course), to actually have a job, consider yourself lucky to be able to pay your bills. go to work each morning with a big fake smile on your face and you'll see, people won't even think of the smile as being fake because don't overlook at each other. Gotcha?

I know investing can be difficult, but simple tactics can help at the end. I think investors have the responsibility to think for themselves and have to seek for answers. Remember that at the end, you have the ultimate power of decision. To hold, buy or sell. All that cash is yours after all. Show it all and make something better than any BMO Bank of Montreal (BMO) staff.

Go for the WOW factor.

Fight for your own rules and make it happen.

And now, what are you waiting for?

Mega investment portfolio pow-wow

2011-12-07T18:52:00.000-05:00

My non-registered portfolio is now at 112 492.28$. It’s a good 2k+ increased compare to November 11. Whenever my portfolio value is up, I usually post an update for the entire portfolio but for now, I am not feeling like it. If you ever have check out my portfolio, it’s composed of multiple stocks, multiple mutual funds, segregated funds, GICs... It’s getting harder and harder to update it each and single time the TSX is finishing the day in a pow-wow note.

It’s a job by itself and my portfolio grows, grows and grows. I might be close to the 160k now but it’s not like we are going to know for sure tonight. Some readers also request a dividend income or dividend yield value update. Well, guess what, you can do that part by yourself! Having access to my entire very precious portfolio, my top players, my debt and my dividend income should be more than enough, don’t you think so? At a point, some people have to learn to respect the fact that I cannot do it all. This blog is a hobby and it meant for entertaining, I am not under the obligation to provide specific information upon request. I write on what I feel can be an interested. I am not feeling like doing some research for lazy readers. Want to know which of my stocks had experiment a dividend yield increased this year? You have my investment portfolio and all the stocks I hold, so you can the search yourself. LOL.

Personally, I have a clear overview of what’s going on in my portfolio because I do my best to follow my stocks. I do a lot of reading. I won’t become specific on stuff that no longer matter to me. Dividend yield is good info, but I am no longer keeping my interest on dividend yield, either on kicking the 200k mark. Actually, I don’t care about much those days.

Can you imagine that I am at more than 112k in my non-registered portfolio alone? That’s quite good actually. This is reducing my capital loss to 4 283.77$ inside my non-registered portfolio part alone. Not too bad! It’s getting much better. As for the dividend income, I guess I will be at 7k for the end of 2012.

2011 had been a difficult but successful investment year.

DNI Metals Inc. (DNI): This is the WOW factor!

2011-12-05T20:53:00.001-05:00

I am a fan of a US TV show name Storage Wars that played on the channel A&E. First time I listen to Storage Wars, I really got into it, all that auction deal, and it was all really interesting. But even more interesting are the “characters” of the show. There’s a cute couple, Jarrod Schulz and Brandi Passante. They have 2 (?) kids and they own a store.

You have the hot looking senior collector, Barry Weiss. I watched Barry Weiss throwing away what he had bought at the storage auctions many many times. The man is a collector. Anything that is collectible has an interest to Barry Weiss. From painting, to sculpture, to anything else that could fit in a museum. And even while finding something collectible, it happen that if a piece is interesting enough, he won’t sell the item; he will simply keep it for himself. He’s certainly the only one doing that on Storage Wars! You have the friendly auctioneers’ couple: Dan and Laura Dotson. “And don’t forget to pay the lady” had become her punch line, as she probably had said that line thousands of times in and off the Storage Wars show. YUUUP!

That’s probably what Dave Hester would have answer to that! When Dave Hester is in fired, he screams YUUUP!! And when Dave Hester wants something, he gets it. But watch out! Dave Hester is not the only hard players of Storage Wars!

“This is the WOW factor” is actually a punch line of Darrell Sheets, known as Darrell the Gambler. If you watch Storage Wars, the chances are you’ll also see is son, Brandon Sheets. If you are curious to see what kind of stuff Darrell Sheets have, and if you’ll like to buy from his store, you now can. Just click here.

As you can see, Storage Wars is very entertaining. It could be seen as a reality TV show, actually, but in better. So welcome to the Storage Wars!

That Storage Wars is all very entertaining but what’s the relation between ME and The WOW factor? Well, today, once again, DNI Metals Inc. (DNI) was a WOW factor! I wrote a lot about DNI Metals Inc. (DNI) in the pass couple months. But that’s because DNI keep getting deeper and deeper into the WOW factor baby! This penny stock is performing very well. Just today, DNI registered a gain of 5.71%! That was today alone! Because DNI keep going and going...

That’s the WOW factor!

MONEY OWN THIS BLOG.

:)

My top stock performers of the time

2011-12-03T18:39:00.000-05:00

While the TMX keeps playing the yo-yo, well, even during those times, some of my best stocks pick are actually strong enough to register a capital gain. It’s not all of my stocks who perform that well, but I have a couple stocks on which I had done very well.

I am still holding those stocks. I am not looking forward to sell any of them.

Here they are, by best stocks performers:

Canadian National Railway Co (CNR)
Initial amount of money invested: 2 144.40$
Current investment value: 2 359$
Capital gain: + 214.60$

Corby Distilleries Limited (CDL.A)
Initial amount of money invested: 1 500$
Current investment value: 1 810$
Capital gain: + 310$

Enbridge Income Fund Holdings Inc. (ENF)
Initial amount of money invested: 5 898.90$
Current investment value: 6 627$
Capital gain: + 728.10$

Exchange Income Corporation (EIF)
Initial amount of money invested: 6 898.08$
Current investment value: 7 177$
Capital gain: + 278.92$

Firm Capital Mortgage Investment Corporation (FC)
Initial amount of money invested: 510.79$
Current investment value: 518$
Capital gain: + 7.21$

Fortis Inc. (FTS)
Initial amount of money invested: 2 710.73$
Current investment value: 3 507$
Capital gain: + 796.70$

Horizons Gold Yield Fund (HGY.UN)
Initial amount of money invested: 2 019.91$
Current investment value: 2 020$
Capital gain: + 0.09$ (!)

K-Bro Linen Inc. (KBL)
Initial amount of money invested: 2 034.99$
Current investment value: 2 110$
Capital gain: + 75.01$

iShares S&P/TSX Capped REIT Index (XRE)
Initial amount of money invested: 2 106.37$
Current investment value: 2 324$
Capital gain: + 217.63$

Methanex Corporation (MX)
Initial amount of money invested: 1 626.80$
Current investment value: 2 537$
Capital gain: + 910.20$

Pembina Pipeline Corporation (PPL)
Initial amount of money invested: 6 846.70$
Current investment value: 13 354$
Capital gain: + 6 507.30$

TMX Group Inc. (X)
Initial amount of money invested: 4 285.69$
Current investment value: 4 455$
Capital gain: + 169.31$

TransCanada Corp (TRP)
Initial amount of money invested: 1 016.74$
Current investment value: 1 076$
Capital gain: + 59.26$

WesternOne Equity Income Fund (WEQ.UN)
Initial amount of money invested: 2 061.99$
Current investment value: 2 413$
Capital gain: + 351.01$

Westshore Terminals Invest Corp (WTE.UN)
Initial amount of money invested: 4 631.99$
Current investment value: 4 782$
Capital gain: + 150.01$

DNI Metals Inc. (DNI)
Initial amount of money invested: 690$
Current investment value: 977.50$
Capital gain: + 287.50$

Claymore Gold Bullion ETF (CGL)
Initial amount of money invested: 3 587.30$
Current investment value: 5 280$
Capital gain: + 1 692.70$

Emera Incorporated (EMA)
Initial amount of money invested: 5 340.18$
Current investment value: 7 030$
Capital gain: + 1 689.82$

TOAL OF CAPITAL GAIN: 14 445.37$

The stock market is the place for smart girls: How to make of few hundreds of dollars without working

2011-12-03T10:45:00.001-05:00

It’s been a great week for my portfolio. I closed the week at a fantastic 110 894$ (for my non-registered part). So it was certainly something. On Friday December 2, DNI Metals (DNI) finished on a happy note. So watch it out. I am a specialist when it comes to DNI Metals (DNI) (or something like it lol!). I had followed this stock since June 2009. In June 2009, I wanted to experience what I now know under the name of day trading. I wanted to perform a short buy-and-sell move in order to make a couple of bucks.

Back in June 2009, DNI Metals (DNI) was under the name of Dumont Nickel (DNI). It’s following the 8 to 1 fusion, that Dumont Nickel (DNI) became DNI Metals (DNI). I prefer Dumont Nickel better because I find it more enigmatic. Who is Dumont anyway? DNI Metals is just a repetition of the stock ticket inside the appellation of the name. And it sucks. Dumont and Nickel were giving a meaning to the company name. DNI Metals is not a half better as name.

However, the now DNI Metals (DNI) had rocked the Venture once again. If I would have sold my DNI stocks Friday following the HIT, I would had made a profit of close to 400$. I was smart enough to transfer DNI from my non-registered account to my TFSA. This mean that whenever I sell DNI at profit, I won’t have to pay taxes on the capital gain made baby. That’s really how smart I had moved with DNI. This stock had worked extremely well for me. But in June 2009, I had been disappointed at a point because I wasn’t able to sell immediately at profit. However, it’s not something that upset me, I could live with it and I told myself, 600$ is not going to bankrupt me.

Ever since, from time to time, DNI had boom in value and had made me really happy. I think that DNI had the opportunity to later become a dollar stock. By dollar stock, I mean a stock that trade at 1$ (at least). The road from a penny stock situation to a dollar stock could still be long, but I had been holding DNI since 2009 so I can certainly hold it for a couple of years and see what happen. At this point of my journey, not that I did it all when it come to stocks. I never invested in options or bonds. There are many things I don’t know about the stock market but those other things don’t really interest me at this time. I read Derek Foster book about options but following what, I didn’t get it all, my reading wasn’t enough to make me understand options and it wasn’t of a real interest for me. I didn’t try to understand options.

Also, don’t go and think that all of my trades are this successful. I had lost 4 000$ in Timminco (TIM). At the time the incident happen, in 2008 or 2009, I didn’t know too much about stocks and I mess around, even more than now lol. Timminco (TIM) was promoted by Eric Sprott and at the time, my confident in Eric Sprott was unbelievable. So when Timminco (TIM) plunges, I didn’t sell because it was an Eric Sprott stock. I didn’t know better. I took a hugeeee burn, but this is how I learn that when a stock is in trouble: SELL WITHOUT A MOMENT OF HESITATION. Because I learned something from this experience, I had been able to sell Yellow Media (YLO) when trouble really began. That was a couple of months ago. In result, I had kept in my pocket thousands of dollars. I only lost something like 300$ in term of capital loss. GENIUS. And the best thing is, because of this blog, you have access for free to my very awesome portfolio, you have access to all my strategies, everything I know about the stock market so enjoy and try to be smart as I am now ok?

If it takes bad experiences to learn, well, I certainly learn a lot from the Timminco (TIM) disaster and you know what? Eric Sprott own me 4 000$. Eric Sprott is the reason behind my failure.

However, I kept following Eric Sprott because I find the man could had made a mistake, but I really want to get the hell out of him and take whatever the best damn thing could be coming out of him. And what had been that best damn thing? SILVER. Why did I stick to the advices of a man that made me lost 4 000$ on the stock market anyway? Can somebody explain that to me?

Well, because he’s Eric Sprott. That’s the only reason why and the only thing that I share with Eric Sprott is a love for Native art, craft. That’s the only part that I share with Eric Sprott ok, nothing else. Really nothing else. Don’t ever think that my Timminco (TIM) experience had burned my wings, because it didn’t. I think that event happen in 2008 because in 2009-2010, I totally recover. And among the same time, my Sprott Inc. (SII) stocks had decreased from 10$ to 4$ or 3$. What a mess! However, I did what I do best: I hold and later on, the title recover, hitting back close to 10$. Currently, SII trade under 10$. But it won’t be long that the title will exceed the 10$. This stock had the capacity to reach the 20$ later on in the future. You know of course that Eric Sprott is going to start a bank. When it happen, big $$$ to me!!!

You like to double your money on a stock? It happens to me once with Methanex (MX). My Methanex super starrrrrrrrrrrrrr! And it’s going to happen too with SII, in case you didn’t know.

TMX Group Inc. and Maple Group Acquisition Corporation: will the deal come to an end?

2011-12-01T21:48:00.000-05:00

Several months ago, while learning about the TMX Group project to get acquired by someone else, I felt that I had my chances to make big bucks. Without thinking twice, I made that spectacular moves, I bought 100 stocks of the TMX Group (X). It was something spectacular because here I was, using margin account money to place a close to 5k investment.

Several months had passed and the TMX Group (X) is still the same. Why? Because of that Maple Group Acquisition Corporation bullshit. The Maple Group is not an existing company. It doesn’t have any head quarters. The Maple Group doesn’t trade itself on the TMX. In other words, the Maple Group is an artificial company build by banks and other financial players in order to but even more bullshit in the system. Banks want to have a complete control over the TMX and it’s certainly the scariest thing ever. It means more power for the banks. And that’s not all.

Among the 13 players or something like of that number involved in the Maple Group, many of them are Quebec based banks and companies. I don’t think Canadians want to have the precious TMX darling being control directly or indirectly control by some dumb Quebeckers. They are cheaters of the Canadian country and they have nothing to do about our financial health. See what Brian Mulroney had done. That’s just a quick overview of Quebec bad leadership. Many Quebeckers vote for the Bloc Québécois, an independent movement lead by Pauline Marois. I had lived in Quebec province for a couple of years and I had kept a horrible experience from my stay in the Quebec province. No access to health care, no equity, poor paying jobs. That’s what I had experimented in Quebec, not to say the very bad customer services I got from the Eaton Center TD Waterhouse office located in Montreal, from the Scotiabank located on McGill, and not to talk about the RBC bank located at the Place-des-arts, many of my financial related experiences were very very bad in Quebec province. Why? Because it’s difficult for Quebeckers to act correctly in front of a girl who has money and knows exactly what she wants to do with it.

Fact is, Quebeckers don’t have the integrity and willingness it takes to be part of something really major like the Canadian country. So let’s please forget any involvement of Quebeckers in our TMX. Everything Quebec does as a province and a future country is out of movement and out of distinction and integrity. The very arrogant Luc Bertrand, Vice-Chairman of the National Bank Financial is the spoke person of the Maple Group. In reality, the Maple Group does not exist. It’s not an entity who had made its proof. The Maple Group doesn’t have a real existing market value.

The Maple Group had been pushing over the TMX stockholders to have a deal approved. At 50$ per stock + divided earned during the waiting approval period, I can tell you for sure that the best option to go with, is to move with the maximum cash offer.

The major Canadian banks are into the Maple Group just to rip us off. What do I have to say to the Maple Group and to Luc Bertrand? Kiss ME and I am out of there!

I am saying a big NO to the Maple Group and is saying HELLO hundreds of $$$ in profit.

I know, sometime I really got it all.

Stop the disaster, say NO to Quebec province bad leadership, say YES to an independent TMX. And, of course, say YES to the cash.

Maximum cash is the way to go. Want to fuck with investors? Well than, it’s going to cost those bankers some big cash. That’s what I call an interesting move. Will it go through or not by January 31, 2012? I don’t know. But what I do know for sure is that I don’t want to have any Quebeckers being involved in the Canadian financial system.

Now, the question being is will Stephen Harper Tories government will let this happen?

Firm Capital Mortgage Investment Corporation (FC) is now offering a 2% discount to its dividend reinvestment plan

2011-12-01T20:11:00.002-05:00

I am quite happy this evening as despite the fact that the TSX lost some points, my non-registered portfolio is at 111 585$. Anything exceeding the 100k is quite awesome in the stock market reality that we are in. I received my paycheque today, and despite receiving a couple of hundreds in fresh cash, well, I don’t have any investment plan for it. This is the first time ever I am not investing while having access to some real cold cash. I made a deposit and took 600$ to pay off my credit card. I know! 600$!!! I had spent money on a new pair of glasses, among other. My expenses will be much lower next month.

2011 had been an adventurous year where I invested in all kind of stocks. My dividend income for 2011 will probably be of 7k. It will probably be the same for 2012 if not getting excited by new investment. But a 7k in very good, no need to push it too hard at this time. Especially while being close to 90k in debt. Slowly but certainly, those debt are going to be paid off. It’s not anytime soon that I will be able to live from my dividend income anyway.

I wrote about this in a comment, but I am totally against cancelling my DRIP to use the dividend money earned to pay off debt. Fact is, some companies like JE and FC are offering an interesting discount.

This Firm Capital Mortgage Investment Corporation (FC) is a Gordon Pape investment. Recently, FC came with this great move: the company is now offering a 2% discount to its dividend reinvestment plan. Cool! I am now getting a discount with Firm Capital Mortgage Investment Corporation (FC).

Is it already over?

2011-11-30T19:15:00.000-05:00

The TSX had quite of a strange problem today. Something about stocks from M to Z... Whatever!! I didn’t trade today... But tonight is pay night! So what am I going to do with those couple of hundreds of dollars?

I had talked before about the difficulties I am living now as a “stock addict”. Truly, I don’t know if I am a stock addict, but what I know for sure is that I really like to trade, I absolutely love to be 100% fully invested, even if it come with some risk. I think I had been very honest about my financial situation. I couldn’t explain what a margin account is better than I did in my last post. Now, you know once for good what margin is really is.

Ok, this is all very interesting as always, but I still don’t know what I am going to invest in! This is tragic. Especially knowing that my non-registered portfolio section is EXTREMELY close to the 112k! Yeahhhhh!

I always wanted to add new stuff in my portfolio. I once wanted ENB, TRP, CNR, SFI.UN and all the other ones. All of what I ever wanted and dream of is now in my portfolio. I feel completed, financially speaking. Nothing new really appeals me. And what about Potash Corp. of Saskatchewan (POT)? And Canadian Tire Corporation (CTC)? I really don’t know. I don’t feel it.

In a desperate act, I may, for once, put the money aside to pay off some debt. But I really try to seek for something that will get my interest. I didn’t get a buzz over POT or CTC or any other thing. To invest in a stock, I need to be completely emerge, be excited over the stock I will be investing in. Right now, I am not having a love affair with anything and I find it quite scary, actually. This is the first time that it’s happening to me in the 7 years that I had been investing (since 2005).

Is it the beginning of the end for the Dividend Girl?

Am I going to pay off my debt from now on?

Stay tune, because we are going to find out!

This blog is going to be reallll boring without new lovers! Sorry if I am slow at falling again for a stock.

Margin Class: Everything you need to know about a margin broker account

2011-11-29T22:12:00.004-05:00

Margin Class #1: Get use to the stock market BEFORE opening a margin account

I first open my margin broker account in 2008. I open the account at TD Waterhouse. At first, I didn’t have margin in my broker account. I wait until 2010 to add that wonderful margin feature in. If the stock world is all new to you, I strongly suggest skipping, at least at first, the margin part of the broker account. You’ll be able to add margin on later, once you’ll be use to be around stocks.

I began to invest in 2005. So we can say that I had wait 5 years before getting a margin account. Back in 2005, I wasn’t investing in stocks and I didn’t know back than what margin is. But I quickly learn. I began to invest in stock in 2008. And following what, I open my margin account in December 2010.

Fact is, the stock market alone is complicated enough, you should have a good sense of what the stock market is really is before even opening a margin account. Simply things like just following your investment, reading financial stuff every week, watching the TSX going up and down... Those simply things will help you to quickly have an overview of what the stock market is all about. Once you get in touch with that reality, you’ll be able to understand that the stock market is volatile.

Margin Class #2: Build up a nice investment portfolio with your own money BEFORE opening a margin account

In December 2010, my portfolio was pretty much established. I had all the big players in. Not all, but a lot of them. I had some very hot stuff like PPL, ENF, FTS etc. I had in my portfolio very good investments that bring very strong value and that value had been quite stable and reliable. And that gave me the opportunity to open a margin account. Because I was already established, when I open my margin account, my stock value was so strong that I had more than something 50k available coming from my margin account itself. 50k is quite some money. But I had been able to get that money from an already established portfolio. I truly believe that the best way to start margin is to start when you are already establish. That way, you get more a complete overview of what the stock market is, you get a better pulse of the market and more important, you know how to react to the stock volatility. And that’s by giving no reaction at all. But even there, you need to be able to recognize the difference between a normal stock volatility and a trouble stock.

My personal example of that kind of situation would be with Yellow Pages (YLO). I was an investor of YLO for a couple of years. But when the stock value declined, I quickly sell. YLO is a Quebec based company that had already a bad reputation. It wasn’t stable, the dividend income was excessively high, the company had a large amount of debt, investors complain about the lack of direction – they were not able to see the company vision, etc. You could easily tell that YLO was a Quebec company because of the extreme bad management. So when YLO decline in value, I did what I had to do. I sell. I experiment a capital loss of 300$, but 300$ only. How many investors had lost a fortune on YLO? Unfortunately many of them because they just ignore my blog. So continue ignoring me, continue to invest in Quebec companies and continue to lose your money. I don’t care. But I what I do know is that I had came with a technique to manage margin account and that stuff can help you if you are like me 100% fully invested and if, like me, you have a margin account situation.

Margin Class #3: BEFORE opening a margin account, set yourself some rules and ALWAYS follow them

Ok, for my part, I didn’t respect this third Margin class rule. Because when I open my margin account, I was supposed to use 30% of the available money on the margin account to pay off some credit lines of mine who are at higher interest than the margin. And that was supposed to be it. That was the plan. Pay off debt using margin. It wasn’t made for investment purposes. At least at first. No matter what, I did not respect the initial plan. I don’t regret my moves and what I did with my margin, but this expose myself to a very extremely high level of risk. The only reason why I sleep well at night is that I have an infinite confidence in the market. It’s a confidence that the stock market crash of 2008 did not destroy and it’s a confidence that the August 2011 stock crash did not destroy either. I wasn’t destroyed because my margin situation did not destroy my portfolio. But no matter what, that could change because I am fully exposed to stock. I don’t control the stock market, tomorrow or the day after, the economy worldwide could collapse. The only reason why I sleep well at night, actually, is that I strongly believed that the nightmare won’t ever happen. But it’s something I am totally aware of. You need to be aware of that reality and accept the risk. Margin is dangerous.

Margin Class #4: Follow the 30% using margin rule

No matter how much you have available in your margin account, you shouldn’t use more than 30% of the money available on the margin account. Let say that currently, your margin worth 50k, you shouldn’t use more than 15k of that 50k for investment purposes. In case of market volatility, you won’t be under a margin call. Fact is, the value of money available on your margin fluctuate. One day you can have 60k available, and the next day, just 40k. It’s something you need to realize; the margin value is not steady, you don’t have any control over it. Currently, I do not respect this 30% rule. That makes me confront to a high level of risk.

Margin Class #5: From the time you open a margin account, you need to understand that your broker now have control over you

This is very important. Let say we are living an in deep stock crash. TD Waterhouse has plenty of customers like myself who have margin account. Margin is money that the bank gave to you in form of a credit line kind of. And the money available on that “credit line” vary depending of your portfolio value. If the stock market crash, your portfolio will lose value immediately. If the situation is critical and the market take an in deep plunge, well, it could happen that because TD had borrowed money to a serial of investors like myself, well, it could happen that while facing a disaster, TD could sell my stocks without informing me first. There could be no margin call.

A margin call is when your broker call you because your stocks had lost so much value that you own in your account. Your account is negative. Let say I had borrowed 50k on my margin account. Because the market lost points let say today, my margin account do no worth 50k anymore, it only worth 40k. Well, at that time, I immediately need to put 10k in order to stabilize the situation.

While facing such situation, TD may or may not call. It’s under their discretion.

So you need to be aware of that.

Ok, you may say: if that investor babe had been able to manage her margin account properly, I can too. LOL. It is not that easy. It’s a miracle that I am doing that great on the stock market. Simply remind you of who I am. I am the Beauty Queen Next Door.

Conclusion

Before thinking of margin account, you need to have a good understanding of the stock market. Also, your portfolio needs to be established. If you really want a margin account, do it, but establish yourself with real cash first.

Learn how to deal in front of the market volatility before going further. Are you nervous while facing volatility in your portfolio? Is it a source of stress? If so, you should totally forget about margin.

Margin is what I will name a “product” that brokers like TD Waterhouse had came around with to make even more money from their business. You pay a commission to your broker each time you sell or buy stocks. Well, that was simply not enough for them. They decided to set up a loan service based on the value of your portfolio. And because your portfolio value varies every day, margin could quickly become a source of unnecessary stress. Margin is a risky loan. You are taking a huge amount of risk just to get a 4.25% interest rate. Does it worth it? Not at all.

Be careful with margin, realize the risk and, if possible, don’t open a margin account. It is not healthy and on the loan run, you’ll realize that only getting in control is hard enough. Everything regarding the stock market is not especially easy and margin is difficult. The only reason why it is remaining in my account is because I had been doing great. But great for how long?

Nothing is define when it come to the stock market, nothing is sure. With margin, you double the risk.

That's pretty much what I had to say about margin for today.

Despite owning a margin account situation in my very own broker account, I don’t recommend you to do the same. I hope my 2 cents about margin will help you to understand better what a margin account is all about in a broker account.

Suze Orman Money Class at TV: taking advantage of the US recession to sale books – Part 2

2011-11-28T18:55:00.000-05:00

While living in Montreal, I didn’t have a TV, but I had my laptop and the Internet. That been my reality for a couple of years but I never missed watching TV. I was quite busy working at my multiple jobs, blogging, building my portfolio and following my stocks.

Now that I am move back to my hometown (I had the chance to get a better job, better salary better everything right where I least expected it to come from), I have my mom listening to her TV in the launch and I have my father watching his own channel in their bedroom. Here at night, I hear TV noises one over the other. What I miss the most from Montreal is the dead silence of my one and a half apartment. It was silent, I could hear myself think.

Moving back with my parent wasn’t something planned but while living in this small not even city, moving back with my old folks had been a strategic move. My expenses are lower than over. The only thing that changed is me now driving a car. I have a few related expenses but that’s not a big deal. I am about to get my passport soon and I just cannot wait to travel to the US! I haven’t gone in the US in an eternity. According to what I had heard, the little X town hasn’t changed that much in the past couple of years. I am just extremely curious to go and seek around. It will be fun.

My lifestyle had changed, but the adjustment had gone through pretty smoothly. Since I am from New Brunswick, I knew what to expect. I find myself more relax and calm. While living in Montreal, I was working at different jobs, all paying a terribly low wage, I was burned. The August 2011 stock crash didn’t help me in any way. However, I had the surprised of my life when I learned I got a job here in New Brunswick. But not just here, in my XX hometown. Hitting back to New Brunswick with a job in my field, better paid, better everything, well, it cut my breath away.

And that’s why how I found watching one of the two TV we have here in this house. And there I was yesterday, watching Suze Orman desperately trying to sale her financial books. She gave good advices ok, no doubt about it. I am able to recognize the importance of having an emergency fund even if I don’t have one ok. But yesterday, one man appears at the Money Class of Suze Orman.

The courageous man had 18 000$ in credit card debt and he had 100 000$ worth in student loan debt following a master degree. I don’t get if the degree he took was an MBA. I know MBA are the kind of degrees who are extremely expensive like that. I don’t know. But the guy spoke to Suze Orman about his situation. He was earning 20 000$ a year while holding a master degree. And if I understand correctly, the guy had declared bankruptcy before. And his question seems to be at the time about declaring bankruptcy regarding his huge student loan. Well, good news being that no one can clear off a student loan while declaring bankruptcy. The way Suze Orman was talking to the man, it seem like for him, there was no hope.

Come on! A 100k worth in debt is not the end of the world. Myself, I have close to 90k worth in debt and I can manage everything quite properly. During the past couple of years, my earning salary had exceeded the 40k. But that’s nothing considering how much in tax I had paid on that salary. In a certain way, I am pretty much to the same level of that man who earned 20k annually and have 118k worth of debt.

Instead of explaining to the guy that bankruptcy won’t clear his student loan, Suze Orman should have say something intelligent enough and motivate the guy to get a second and, why not, a third job. I handle 3 jobs at a time for quite a while when I was living in Montreal. And on top of that I was managing my portfolio and I was blogging. I had built my portfolio even if I wasn’t earning much, but what I had earned; I make it work for me.

No one should declared bankruptcy just because of a 118k worth in debt. That level of debt is manageable. It’s just the individual have to seek for another source of income. That’s difficult of course, but once again, it is manageable. I won’t be saying the same thing if we would be talking here about a 200k, 300k or up worth of debt. Anywhere below 150k in debt is manageable. You don’t need to destroy your life and your spirit by declaring bankruptcy. There’s nothing an individual cannot handle, I think I am the living proof of that. But Suze Orman totally goes in the opposite way.

Also Suze Orman said during her yesterday show that student loan debts are the type of debt that an individual should be looking to pay as soon as possible. Why? Because a student loan debt cannot be add in a bankruptcy procedure. So see, for Suze Orman, bankruptcy is the financial solution that resolves all problems. But it’s not the case. Bankruptcy destroyed life, it’s the most difficult event that can’t happen to somebody.

If you take the marvelous me (who’s now a superstar on Raymi the Minx by the way – go check it out), I am on the MINX!! as example, I still carry a student debt loan even now and I don’t give a damn. Why? For several reasons. Here they are:

I preferred to build myself a super portfolio for the future instead paying my debt.

Student loan interest is low (below 5%).

A student loan is not a credit line. Once you make a payment on a student loan, you cannot access the money no more. The money disappeared forever. So why should I stressed about paying a student loan? Please explain Suze Orman!

A student loan interest gives you a tax receipt.

For all those reasons, I decided to completely flush the payment on my student loan. Well, not totally flush, because I make the minimum payment on the loan every months but that all. The payment is of 98$.

I think Suze Orman is out there just to make people feel bad about their debt.
It’s just money after all.

My best advice: manage to make the minimum required payment on your loan every single month. Make sure the total of those multiple minimum payments is reasonable. Mine is something like 400$ only.

Asked yourself: if I would be to go under unemployment insurance, would I still be able to make the minimum required payment on my debt? If the answer is yes, your situation is not that bad at all.

Also, always make sure that you have something worth in term of net worth following an improvised payment on your debt.

My personal example:

Total in assets: 156 233.56$
Total in debt: 87 123.22$
Net worth after debt: 69 110.34$

See, even after I paid off completely my debt, I would still have a little something left.

My personal example is dangerous because I am even lucky to be at this stage. I took several risks that I was aware of. However, I considered myself extremely lucky. You have to handle your debt in an extremely efficient manner that it will make you a winner at the end. But be careful on the amount of debt and ho, please, don’t get under a margin account if you are a stock lover because you will sooner or later satisfy your impulse on your broker margin account. I wasn’t able to control myself and I used more than 40k to purchase, not clothes, not boots (I still didn’t purchase a new pair of boots) , no men BUT STOCKS.

It’s important to turn yourself into a passionate investor because the stock market will bring you to a level of richness you cannot simply imagine. Quite powerful stuff. So powerful that it can ruin you or make you rich. One or the other.

And yes, at 69k net worth, I consider myself quite rich. But don’t forget, I am in New Brunswick. A net worth of more than 50k is considered a million here, or almost.

People need to feel confident about their future but Suze Orman is not helping in any way. And at a point, by emphases too much about bankruptcy, she’s bringing it to nothing.

It’s possible to have debt, be enjoying those debts and have a terrific portfolio. It’s possible and achievable, no matter what Suze Orman has to say. That’s my word over her. And I always get the final word. At least here on my blog. :)

Suze Orman Money Class at TV: taking advantage of the US recession to sale books

2011-11-27T15:08:00.001-05:00

I am currently listening to Suze Orman Money Class at the television. It’s pretty much a sale book pinch. However, her stuff that can eventually help people with dealing with their money, there’s no doubt about that. I am not that a fan of Suze Orman since the time she mistreated Nadya Suleman with the help of Oprah, the TV queen. I think she must be a very frustrated person thinking she knows it all. It’s not because Suze Orman is a bestselling author that she’s necessarily a good person. Personally, I never had been able to watch a full TV episode of the Oprah show. There’s something about her that disturbed me and I don’t know exactly what it is.

But my feelings are completely different when it comes to Rosie O’Donnell. Back when I was a teenager, I used to listen to her show and I was just very entertain by her interaction with her guests and also the piano man even if I didn’t exactly understand all of what it was said because it was all in English. However, the Rosie O’Donnell show was absolutely terrific. She now has a new show on the Oprah channel but I didn’t have the chance to watch since it started.

Suze Orman is a big talker of emergency fund. And I am not. I don’t have saving. Everything is pretty much pack in stocks. That’s because of what I am trying to build. And it does also have a lot to do with my personal situation. I am a single fresh babe (lol) with basically no responsibilities what so ever and I am proud of that. I don’t have a huge payment to do on a mortgage each month and I don’t have children to take care of. Emergency funds are a must, but are not a necessity when your portfolio is full of stocks and especially when you are a single fresh babe like myself or single fresh man.

There’s many ways to deal with money and it’s all about finding the right way for you.

In my case, the risks I am taking are calculated. Being in Canada help also. We are not completely immunized from a recession, but chances are lower here in this side of the bother than it is in the US. How could had predicted that one day, the American dream would had become Canadian? I wasn’t ready for the 2008 events and for everything else that followed after that.

Currently, Suze Orman is talking about dividend saying that is have nothing to do if the market is down or up, it’s about getting paid each quarter. And I think that this reach a lot of what Susan Brunner was said in her last comment, to focus more on dividend payment and not that much on the current value of my portfolio. I must be around 10k in capital loss right now. Major part of the current capital loss I am experiencing is related to the current value of my portfolio. There’s no real capital loss unless stocks are being sold. While holding, capital losses are papers stuff only. It has nothing to do with the real value. There’s the market value that played the yo-yo all the time and there’s the essence value.

Do you really think that the real value of Just Energy (JE) is below 10$? I don’t think so, but that’s the value it is trading on in the market. The smartest move would be to buy now when some amazing stocks like Just Energy are trading so low. Because those stocks won’t remain under valued forever. But this is certainly the most difficult part of all, to think outside the box. Each single time a stock crash happens, it’s extremely difficult to remain believer and think that, one day, again, the market will rebound. Right now, that’s the major problem I am dealing whit.

There’s a huge space in between what I really want and hoping for and what is happening right now in the market. And that in between became to be quite frightening. Just like if it will never get better.

In the right column of my blog, I have this section name “My investment portfolio is now at 156 233.56$”. Under that section I had “Only missing 43 766.44$ before reaching my FIRST 200 000$”. I am getting rid of that second line right away. No more money goal, no more cold hard contact with the reality that is disturbing and disgusting. I think it best way to protect myself from doing anything stupid, like selling my stocks, that being just one example.

In case you’re asking, I am not a fan of Suze Orman. Not at all.

While Suze Orman with her blond short hair and super white teeth is desperately trying to sell her books at television, I am going to check on what’s going to be my next investment while wearing my brand new perfume if you don’t mind. This upcoming week is payday. So be ready.

Precious readers, you’re awesome

2011-11-24T20:19:00.000-05:00

Readers to a blog are what fans are to a singer: $$$.

In my case, the big $$$ is not coming from anything I sold. I don’t sell myself on the Web, I am not exactly a Raymi The Minx in the making of. I don’t have tattoos and I am not popular either. However, the best about being me is that I HAVE U. I would give almost everything to have her slim shape and her sexy kitten eyes. And her Teacher? I will skip that part if you don’t mind. LOL.

I would give a lot to be Raymi but I wouldn’t give a cent of my very awesome portfolio because a part of my portfolio is coming from people just like yourself. So it’s kind of nice to be me be. Even if I don’t have any tattoos. Because of my blog, I get a lot of hate messages, but I am also getting some pretty good investment advices. Why would some complete stranger care that much to provide me with some very awesome advices and investment ideas? Why, I don’t know, but I certainly appreciate getting investment ideas. I almost never failed following the sense of oh-yeas-I-want-that-in-my-portfolio! Yeahhhhhh! And here it does again, another X investment in my portfolio.

I invested in WesternOne Equity Income Fund (WEQ.UN) after a long time reader recommends it to me. I bought my units at 5.40$. Made the calculation for yourself. I win big on this + dividend income on top of that makes a lot of cash for a girl.

I invested in Westshore Terminals Invest Corp (WTE.UN) after receiving an email from a BC reader saying that the owner of WTE.UN was one of the richest men of Canada. Great! I of course wanted to invest in a company hold by a very rich man. OH yes! So I invested in WTE.UN because it made sense to me to invest in a company own by a rich man. I did very well on WTE.UN. EXTREMELY MARVELOUSLY WELL. And if I am lucky enough, the Maple Group deal will go through and I will make a big profit on the sell of my TMX Group (X) stocks. I really need to decrease my margin usage and I want that to happen naturally, without any temptation to sell anything coming from my part.

I consider myself to be still on top of my margin situation anyway. I hope that readers get that margin investment is not healthy and it’s not the correct way to build an investment portfolio. I did not use margin because I taught I was better than anyone else, I use margin because there was more than 50k available in fresh cash that I was able to satisfy my investment pulsions. I had been lucky, but I am also currently experiencing a 10k in capital loss. The game will be over the day TD Waterhouse decided to clear my portfolio to clear my margin debt. But that’s not going to happen.

Want to know why? Well, that’s all because one of the most sophisticated woman investor of the Canadian nation, Susan Brunner, happen to comment on my blog saying that I should get a loan, a credit line or something that equal the money own on the margin. That way, in case of a margin call, I could simply pick on the credit line or whatever. It was a real good advice. While facing the August 2011 stock crash, I was facing a disaster and I needed to do something to cover my back. In date of today, I did not apply to extend my credit line limit, but it something I need to take care of. it never really hit me that I could face a terrible situation out of my control. You mean that could have to sell my stocks purchase on margin? You mean me?

Even me, I am not better than anyone else. In front of a stock crash, I crash too. I don’t have the capacity to go over it, if you see what I mean.

But nothing of that ever scared me to the point of selling my stocks and I continue to invest every month.

And what if I would be doing a huge mistake right there? What if the worldwide economy would have to collapse?

It something I had thinks of, especially since the time I knew that Jean-François Tardif is only 30% invested. Jean-François Tardif is a completed turn on and I take everything he says very seriously. It was a shock for me to learn that he was only 30% invested. Of all what he own, he’s 30% invested. I think only the poor people like myself can have the gut to be stupid enough to be 100% invested. Well, not exactly stupid, but I mean, investing in stocks come at a high risk and trust me, I have paid the price for being adventurous on the stock market.

But while being 100% invested, I decided to remain 100% invested. It’s too late for me, but if I would be starting all over again, I wouldn’t go on a margin situation, I would had kept some cash in my banking account. Because fact is, the most valuable thing is fresh cold cash.

Just to come back to my margin situation: but what if there will be no margin call? What if my stocks get sell without my authorization to cover my deficit while the market collapses while I am at work?

With TD Waterhouse, nothing is clear like water. They are pretty much a bit like BMO Bank of Montreal in the way they do their customer service but that’s because too much of their business is being manage in Quebec province.

I don’t want to be a victim of Quebec mediocrity.

TD Waterhouse once wrote me an email in response to my blog. It was the most hilarious thing I ever went through in my life. Of course, I find the attention gentle and kind. They acknowledge of the problem, they did not try to hide anything. I also must said that everything that had been done as mistake had been mix very very quickly. I don’t think they really wanted to hear me scream at them anyway. I didn’t have to scream, but I always hate TD Waterhouse from that date. An undeep feeling of I HATE U SO MUCH! Giving me a compensation of 50$ for the shit they give me was simply not enough. I really have that deep anger and it never really go away. 50$ wasn’t good enough. Money cannot buy my respect and peace of mind.

But this doesn’t have anything to do with readers right. Kind of not.

This is where the hot stuff is getting out.

Read this:

Exchange Income Corporation (EIF)

I had invested in Exchange Income Corporation (EIF) following a reader suggestion and it was just one of those moves that, today, make me think that I may not be totally perfect ok, but I certainly have that money drive and in face of the marvellous, I did not hesitate. So I jump in Exchange Income Corporation (EIF) and since that time, I had been extremely please with. EIF had jump to the 22$+ today because of that great new 3 years contract with AT&T. Ok, like that, I sound smart, but it’s because of a reader too lol.

Remember when I sold my YLO stocks? I made a 300$ capital loss by selling YLO. But I sell it when it was about time. I reinvested all of the money left in EIF.

And that was the best decision of my life.

I can be stupid, but I can also be extremely smart.

I am amazing.

And so are you.

American Express credit card is a girl best friend: super promotional interest rate of 0.99% for one full year

2011-11-23T17:56:00.000-05:00

I went to a shopping trip to Quebec City. I needed a pair of boots but I didn’t get them because everything was full price and it didn’t worth it from my perspective. But today, we got our first snow in New Brunswick and I regret not buying a pair of boots, even full price.

Anyway, great news is that American Express is going to help me to get a decent pair of boots. For all purchases made between November 30, 2011 and November 29, 2012 on my American Express credit card, I will get the special interest rate of 0.99% until December 9, 2012. This involved making the minimum payment every month on the American Express. But for the balance left, the rate will of a very fantastic 0.99%.

Don’t you find that 0.99% is pretty much close to the 0%?

I do.

I am just going to get the strict stuff I need and that’s all but still, I very happy to be able to benefit of an opportunity to shop and look dividendly lovely. Just like that. I rock this place.

What happen when the Canadian stock market decided to flush me... I flush too

2011-11-23T17:30:00.000-05:00

Today, we had our first snow in New Brunswick. On the same day, the TSX lost more than 200 points to establish itself to a very poor 11 571.71 points. I know, that’s hurt.

Major part of me turn around stocks, the stock market, my personal finance. So when the TSX down it’s all me that is down too. However, I can easily detach myself from what happen on the stock market despite being 100% invested. Despite being 100% there. My biggest mistake could turn out to be to have no cash, no savings in term of real cold cash left at the bank. I manage my budget dollar after dollar. Maybe in another life I had been a very brilliant accountant. Maybe.

Biggest part of my savings no longer belong to me. Over the year, I invested thousands and thousands of dollars on the Canadian stock exchange. I never doubt of what I was doing. I never doubt of myself. I never doubt of my investments. Never. Each time a stock of mine drop in value, it’s a surprise. And trust me, that happen more than once.

I am never scared of losing my money. That’s in reason of my relationship to money. Money is not a problem to me. That’s probably why I don’t mind holding more close to 90k in debt. Money paid my bill, but it happen that all of my life, I always had more than needed and at a point, I find all of that investment hobby very interesting. And what if I could eventually make a living from my dividend like Derek Foster?

It’s a real good thing that he’s married because it’s the only reason why I leave him alone.

LOL.

See, that idea quite of obsess me since 2007. In my 5 years of obsession, I trade and trade, buy stocks, sell stocks, got in all the directions. Since 2007, my passion never stops growing and it’s not now, because of a stupid economic situation that I am going to stop now.

The stock market? I control it (or almost). It’s in my mind. It’s in my Dividend Girl spirit.

I know I know I know! :0)

If you ever think that I am going to stop now, you are wrong.

Wow, I don’t quite get what’s happening like right now. It must be what I had eaten for supper. It’s name magic mushrooms.

LOL.

In case you want to know, my always fabulous non-registered portfolio closed today at 107 947.50$ and I am going to stop here because I have an idea for another post.

Review of Derek Foster newest book The Worried Boomer: No Pension? Not wealthy? Here’s your plan!

2011-11-19T18:05:00.000-05:00

Derek Foster 6th book is the direct continuity of his first book, Stop Working.

But this time, 6 years later, Derek Foster is taking a different path. For people who had problem to manage their money, Derek Foster had included financial exercises of the like of those proposed by Gail Vaz-Oxlade, author of many “debt books”, including Debt Free Forever. I would like Derek Foster to skip that boring part to really deliver exclusively at what he does best: stock investment.

If you want my point of view, someone how cannot manage its own money have a long way to go before being able to invest. Derek Foster should leave the manage-your-money-and-debt part to authors like Gail Vaz-Oxlade who don’t really have anything to say when it comes to the real stuff: investment. Because if you are wise enough, you’ll become quickly rich by closely following Derek Foster moves. I may not be rich yet, but I can push the vanity to write that yeah, I, the Dividend Girl, well, I have a net worth of close to 70k. And 70k is quite a lot of money! And don’t forget my 7k in annual dividend income that I should hit by the end of 2011...

If you are intelligent enough, you’ll get Derek stuff pretty quickly and his stuff will blow your mind.

Derek Foster first book had been published in 2005. I only read Derek Foster Stop Working master piece in 2007-2008. Following what, I start investing in stock and my portfolio seriously starts growing. I won’t denied, I had lost money on the stock market. I did day trading, I trade silver like if it was bananas, I over trade... But great news, I still have that close to 70k in net income and I am currently experiencing a capital loss of somewhere of 8 or 9k. For all the risk I took, I find myself extremely lucky to be just behind of 9k or so. But if I would had simply follow Derek Foster advices, I wouldn’t have experience of a capital loss of 9k or something for 2011. Maybe just 7k. I never took time to calculate but I should, of course. Overall, I don’t have any problem to follow the pulse, I accept my mistakes.

I am a serious type of girl but nothing much scared me, and especially not the stock market. In life, I do what I want. Let say that I had paid the price for being an adventurous investor-gambler. BUT – because I am now back in track, because I kept investing every month in blue chips, because I had read Derek Foster latest book The Wealthy Boomer (!) now more than ever, my chances to recover from my mess are actually pretty good. But of course, I need to have the stock market by my side. I will only be able to move on in a good stock market condition. If not, I have all the rest of my life to work on this and recover.

Otherwise, Derek Foster 6th book is not very different of his other books. However, it definitively worth the reading because even I miss-know-it-all learn some great new stuff by reading The Worried Boomer: No Pension? Not wealthy? Here’s your plan! In the past books, if I am not mistaking, Derek Foster had mostly cover stock investment. In The Worried Boomer, Derek Foster covers some other investment products that can help investors to, if not, retire early, well at least earn a few extra pennies and enjoy life while still being on a 9 to 5 lifestyle.

The only thing that is missing is an update of Derek Foster portfolio. THE DEREK FOSTER PORTFOLIO is more than an ordinary portfolio. I build the most part of my fortune on stuff like PPL, ENF just to name those 2. PPL and ENF are Derek Foster stocks. Usually, Derek Foster publishes at the last pages of his book an update on his portfolio. Unless I am mistaking, Derek Foster is not talking of his portfolio in his newest book and that is quite dramatic. Forget about all the blabla on debt and on how to manage money and spending... I don’t care!! What I want is the real deal. What I care about is to know on what Derek Foster is currently holding to in order to generate an income to support his family.

Also, in this new book, you’ll find be please to learn that Derek Foster is the proud father of a baby girl. I remember that picture from the Toronto Star where we had an article about Derek Foster with a nice family picture of him, his wife and their 4 little boys wearing sunglasses. Derek Foster daughter is now 3 years old.

And no, I won’t tell you more about anything related to the content of the book, but you can always buy it here.

Welcome in my non-registered Enbridge Inc. (ENB)!

2011-11-17T20:30:00.000-05:00

Today, the TSX crash again. Personally, whenever the TSX lost more than 200 points in a day, well, I can that kind of events more of the like of a stock crash rather than just the market volatility. Today stock crash was the first thing.

Secondly, I finally invested in Enbridge (ENB). I invested a bit less than 1 000$ at 35.34$ per stock. ENB closed the day at 35.93$, which is quite good. I really like it when the stock I invest in suddenly decided to grow just because I am now in.

My non-registered portfolio closed today session at 109 704.45$. I am below the 110k mark, but whatever.

Third thing, I had received today Derek Foster new book The Worried Boomer: No Pension? Not wealthy? Here’s your plan! I almost complete the reading in one shoot because I really wanted to know what this new book was about. Now I know. I will certainly give it a second more in deep reading. I learn a great deal and PLEASE, check it out at page 103, you’ll learn something very awesome for your RRSP. Just for that new founding, it really worth it for me to buy The Worried Boomer.

Fourth thing, tomorrow is FRIDAY.

Fifth thing, have all a good weekend and don’t feel too bad about the stock market crash of today.

:)

Show me your money, I will show you mine

2011-11-15T20:35:00.000-05:00

What look at first be a bad market day turns out to be quite a good day after all. My now famous all over the world non-registered portfolio closed today session at a fantastic 110 240.17$. At this point, if my non-registered portfolio can exceed the 110k, I will be just pleased with that.

I had invested every single pennies I own just to be on top of everything and right now, I am on top of world. Or kind of.

In just 2 days, I will be investing again! So far, I am pretty set to move into the grove of Enbridge (ENB). For the past couple months, I had been quite careful with my stock picks. I had been quite of an adventurous investor. It’s difficult to focus on blue chips because in the immediate, the dividend is boring and the stocks not very exciting BUT reward could come later.

I can easily see myself hitting the 200k by the end of 2012 if 2012 turn out to be better than 2011.

I am no longer in front of my laptop during daytime so I need an extra reliable portfolio that I don’t have to worry about. So hitting the jackpot by buying extra boring blue chips is what I am doing at this time. But believe it or not, it haven’t been this great since I got a taste of hell in August 2011. A taste of a completely retarded stock crash. Some will have to pay for that and it’s not going to be me. Like Ffffffff offffffffffff. It’s simply not going to happen the way it was meant to be. So be ready! :)

Experiment the power of nickel with DNI Metals Inc. (DNI)

2011-11-14T17:36:00.000-05:00

DNI Metals Inc. (DNI) closed today session at 29 cents, for an increase of close to 30%. I made my initial investment in my non-registered portfolio on June 2009 of 23 000 stocks at 3 cents of the old Dumont Nickel (DNI). Dumont Nickel had become DNI Metals Inc. (DNI) following a restructuration. Following the transformation into DNI Metals Inc. (DNI), I transferred what I had left of DNI into my TFSA.

From the start, I knew that I was going to make money from this stock, but the strategy change among the way. At first, I wanted a quick buy-and-sell scheme. I wanted a 200$ profit to have extra money to spend for the summer. 200$ is not that much, but I wasn’t really looking for more. In the month of June 2009, for whatever reason, DNI make a nice little jump. So I taught I could easily make a profit from that one. But...

I was 28, wild as I am now, I wanted a profit, but I barely knew what I was doing.

Not that I am much better now, but I learn a few things among the way.

Because see, DNI is the kind of stock that jump a couple of times during the year for no special reason. That being a couple of times a year ONLY. The trading volume on DNI is very light. It’s extremely difficult to make a quick buy-and-sell deal on this one for that reason.

In June 2009, I became a trader. I wasn’t an investor anymore.

And in June 2009, I didn’t know what I now know.

I happily bought 23 000 stocks of DNI in June 2009 without knowing what I was doing.

However, I turn out well. Fact is, DNI Metals Inc. (DNI) turn out to be an interesting company to hold, especially inside a TFSA. Previously this year, DNI jump to the 40 cents per stock. But when it happen, I decided to hold. It was clear for me that I could make much more than 40 cents per stock on DNI. As for now, DNI is under the 40 cents, but I am confident that DNI could became a dollars stock soon instead of a penny stock, meaning DNI could eventually reached the 1$ per stock in a matter of if not months, a couple of years. I have all the time of the world and I am certainly not in a rush to sell my precious DNI Metals Inc. (DNI) stocks. From penny stock to a dollars stock, DNI can make it!

My investment portfolio on date of November 11, 2011

2011-11-13T14:46:00.000-05:00

Savings:
240.17$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 355.37$
Timminco (TIM): 46$
Blue Note Mining (BNT): 32$
Bank of Nova Scotia (BNS): 5 547.96$
Hanwei Energy Services (HE): 39$
Methanex Corporation (MX): 2 516.29$
Fortis Inc. (FTS): 3 622.32$
Pembina Pipeline Corporation (PPL): 12 474.66$
Just Energy Group Inc. (JE): 7 184.84$
Pengrowth Energy Corporation (PGF): 2 337.04$
Enbridge Income Fund Holdings Inc. (ENF): 6 656.60$
Corby Distilleries Limited (CDL.A): 1 833.40$
Davis + Henderson Corporation (DH):
3 517.50$
Premium Brands Holdings Corporation (PBH):
6 881.16$
EnCana Corporation (ECA): 4 198.32$
iShares S&P/TSX Capped REIT Index (XRE): 2 279.20$
Horizons Gold Yield Fund (HGY.UN): 2 046.26$
Canfor Pulp Products Inc. (CFX): 1 209.10$
New Flyer Industries Inc. (NFI): 1 237.60$
Exchange Income Corporation (EIF): 6 425.26$
Rogers Sugar Inc. (RSI): 1 624.47$
Student Transportation (STB): 1 216.80$
Colabor Group Inc. (GCL): 2 196.72$
TMX Group Inc. (X): 4 555.32$
Data Group Income Fund (DGI.UN): 2 356.62$
K-Bro Linen Inc. (KBL): 2 084$
Westshore Terminals Invest Corp (WTE.UN): 4 780$
WesternOne Equity Income Fund (WEQ.UN): 2 485.20$
Atlantic Power Corp (ATP): 3 171.70$
First Majestic Silver Corp (FR): 1 751$
Kinross Gold Corp (K): 2 163$
TransCanada Corp (TRP): 1 020.25$
Canadian National Railway Co (CNR): 2 423.40$
Firm Capital Mortgage Investment Corporation (FC): 514.80$
Sprott Strategic Fixed Income Fund (SFI.UN): 477$

TOTAL: 110 260.16$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 512$
US cash: 4.12$

TOTAL: 2 516.12 $ US

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 25.17$
Dumont Nickel Inc. (DNI): 632.50$
Sprott Physical Silver Trust UTS (PHS.U): 3 253.80$
Cash: 3.08$

TOTAL: 3 914.55$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 644.08$
Claymore Gold Bullion ETF (CGL): 5 424.90$
EnCana Corporation (ECA): 2 058$
Emera Incorporated (EMA): 6 811.56$
Sprott Physical Silver Trust UTS (PHS.U): 1 084.60$
Cash: 124.25$

CIBC Dividend Growth Fund: 538.85$
CIBC Emerging Markets Index Fund: 340.09$
CIBC Monthly Income Fund: 1 058.79$

Energy and Base Metals Term Savings (Indexed term savings):
577.30$
Natural Resources Term Savings (Indexed term savings):
502.06$

GIC National Bank: 1 219.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 593.08$
Manulife Simplicity Growth Portfolio: 866.09$
Maritime Life CI Harbour Seg Fund: 1 042.13$
Maritime Life Fidelity True North Seg Fund:
1 002.21$
Manulife GIF MLIA B World Invest: 602.44$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 533.88$
RBC U.S. Mid-Cap Equity Fund C$: 1 969.91$
RBC Global Resources Fund: 1 082.40$
RBC O'Shaughnessy International Equity Fund: 594.67$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 167.31$
RBC Global Precious Metals Fund: 952.15$

TOTAL: 39 125.17$

Social Capital at Desjardins Membership share
for 3 accounts: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(137.39$):
156 233.56$

My one day trip to Quebec City

2011-11-13T10:51:00.001-05:00

Yesterday, I was in Quebec City! It was a one day trip that went off really too quickly. We went at the Place Laurier and went to the other mall there’s there, Place Ste-Foy and Place de la Cité. Fun, but shopping was difficult. There were so many things to see and doing it all in a couple of hours only was too much asking. It has been a little while since I went to Quebec City so I barely remember how the malls were. In my memory, there was 2 malls one behind the other, not 3. The third one actually look pretty new, so it could be a new mall. It has a huge Gap store and also an Apple store. The pictures I took from my iPod are not that great, but I am posting anyway.

Also, while being in Quebec City, I notice in a store that Mariloup Wolfe, a Quebec actress was going to be at a specific store in the afternoon. Too bad, but I could not relocated the store when it was time. lol!

I didn’t need anything expect a good pair of boots. The boots I spot were about 350$ after taxes. So I went to the girl and said if you make a rebate of 50$, I will buy those boots right away. Unfortunately, my offer had been refused. But I gave it a try! The girl didn’t give me a funny look, but I guess it’s not everyday that she received that kind of offer.. YEAH. But that’s not the most hilarious thing.

Fact is, I find 350$ too expensive. I could have bought a pair of boots whatever price they were. But 350$ was kind of too much. I have a special foots condition and I cannot wear any kind of shoes. The shoes need to be as comfortable as running shoes. For my work shoes, I got in Montreal way back Naturalizer dressing shoes. I pay 70$ for them and I can wear them every day without hurting my foot.

I wanted a pair of boots from the same brand, but unfortunately, there wasn’t a Naturalizer store like in Montreal. There was some Naturalizer at La Baie but they were not what I was looking for. I try different pair of boots but they were not soft in the inside and I knew they were going to hurt my foot. So I didn’t purchase any boots.

I went shopping like I wanted to buy but I didn’t find any bargain. I was lucky in August because there was a lot of sales. It was the perfect time to shop in Montreal but at this time of the year, it doesn’t really worth it to shop and buy.

However, me and my mom stop by the Body shop store where I bought some stuff for my hair. My mom bought herself a pair of boots. I bough myself some cute earrings, but just one pair:

That's a part of the Dividend Girl pretty face you are seeing in here... I know, you probably just curious to see more right? But that won't happen!

I also got some chocolates, 1.35$ a piece:

The day went fine. They received snow in Quebec City yesterday.

Shopping trips are great, but doing it in one single day is a challenge. Also, the timing was not that appreciate, personally speaking, as I never pay full price for clothes. But it worth to go there for the 26 of December and if possible stay a couple of days to go to the île d’Orléans and also visit the Old Quebec. One day is definitively not enough and you leave while wanted more. Actually, that what happens to me. However, my 2 ways ticket was cheap, less than 50$. I don’t take trips really often.

Oh, and this is the hilarious part. Before leaving, me and my mom went to the Cage aux sports for a beer and my mom asked to be serve right away because we had a bus to take lol... You should have seen the girl... Priority service for those people coming from New Brunswick please!

The place wasn’t full, but there was a football game going on and the waitresses and waiters were busy. We wait, but then I notice the bar so I went directly. We drank our beer quickly and on the way out took the wrong direction, went out, and went the bus stop.......

We got St-Hubert for supper. We don’t have any St-Hubert restaurant here in NB, at least not in my town. We don't have any Body Shop stores either. So this was a little trip that was fun to take.

Radio Radio Cargué dans ma chaise music video

2011-11-11T18:05:00.000-05:00

One of the Atlantic hottest band, Radio Radio, just launch today, on this mystical date, 11th day of the 11th month of 2011, their latest music video.

At first, it could seem strange for a band to launch a video on Remember Day, but knowing the Maya theme of the video, the special date of today just perfectly match with the vibe.

You had been reading in English a blog wrote by a real NB French speaker. Good. But are you ready for Radio Radio now? That's what we're going to find out. Be ready..

Remember the date: 11th day of the 11th month. The year? 2011

2011-11-11T17:21:00.000-05:00

I went to the remembrance ceremony this morning. It was quite cold, but at least, there was no snow. You can check it out on the pictures I took. The TSX is open today. My non-registered portfolio is hitting the 110 535.19$! That’s very good actually!

And I have a major announcement to make!!!

I had hit the 6k in dividend income so far for the year 2011!!!!

Yeahhhhhh

And the best is that next week is pay day so I will have some cash to invest. So another investment(s) is/are about to join in very soon! It could be interesting to add some Canadian Tire Corporation (CTC) stocks in my portfolio. I think it could add diversification. And I also wanted to invest in Potash Corp. of Saskatchewan (POT).

For December, I could easily see myself invest in Enbridge (ENB) and also in Bell Aliant (BA), but we’ll see.

Following what, for the first time of my life, I will be more or less out of investment stocks idea. It will be the perfect time to pay off some debt... or go shopping.

And talking about shopping, I am going tomorrow to a shopping trip to Quebec City. I need a good pair of boots and a pair of earrings. And I am sure, I will get some other stuff.

Remember, money had been made to be spend.

Capital Power Income L.P. (CPA.UN) is forever gone

2011-11-10T21:21:00.000-05:00

These past couple days had been quite busy here in New Brunswick! First of all, I find out that my boss cannot handle on his own single salary the mortgage payment for his house. He can treat me like shit as long as he wants, talk in my back, but I know for sure that with my superior portfolio, I am on track to hit gold baby. Forget about driving the car of the year or getting the big house that will just eat more than half of your paycheck every single month of the best years of your life. In today reality, it’s really important to be completely out of track, be very off and be off of the popular gigs. I build up myself gracefully by being always at the complete opposite where no one expected me to be, maybe just as graceful as getting my punch in a or in your face, maybe, depending if you like me or not.

Days passed by, stock crashes after stock crashes... Unfortunately, my non-registered portfolio is now below the mark of the 110k. I was getting excited when it exceed the 110k. This is simply the result of the current economy we are in right now. My non-registered portfolio closed today session at 108 573.83$. It’s really rough to invest in today’s market condition. There’s absolutely no stability what so ever. Retail investors need to get a good beat of the Canadian stock market and really see how things are crazy out there. While facing the disaster, no one can really tell which way is better to follow. It’s at the discretion of the investor to choose to sell, or to buy, to cash in some capital gain or capital loss. I am certainly not in position to provide any advices, but what I know for sure, it’s not anytime soon I will stop investing. I wrote about that multiple times before. But let’s do it again ok.

I had received recently great dividend from CFX (41.60$) and HGY.UN (16.58$). So for the dividend part, my portfolio is very great, but it could be even better in a close future. The only problem I am getting at this time a time management problem. I need to fix a more regular routine so I can do everything I want to do. I had been here in NB since September now, but I cannot say I am 100% in the damn investment thing. Because see, it’s great to pick my stocks depending of what guys like Derek Foster, Eric Sprott, Gordon Pape and please let’s not forget about Jean-François Tardif and other people have to say about the stock market, not to forget the girls, Susan Brunner as well and readers, of course. The process has to come from my own self. And this is the challenge I am facing at this time, to be more efficient on the way I pick my stocks.

Because of a poor time management, I don’t do as much as I would like and in result, I have what I have as portfolio. However, I really like my portfolio and I simply don’t get over it how much it is good. It’s a mix of blue chips low dividend payer with a mix of high dividend payer and also some small cap, silver, gold.

I haven’t have time to say that the company that had been around here for quite some time in my non-registered portfolio, that you used to know as Capital Power Income L.P. (CPA.UN) does no longer exist. CPA.UN got eaten up by another company that is from my very wonderful portfolio Atlantic Power Corp (ATP). This means that I now own more stocks of ATP, which is great. ATP had been a great little small cap to hold, paying a good monthly dividend, I don’t have anything to complain about. However, a small cap remain what it is, a small cap. ATP has a bit of volatility in the value. However, it worth the investment.

Small caps are sensible to the market volatility. Most of the small caps directly interact with the investor behaviours. That’s why it’s really important to invest in blue chips only at this time and that’s what I am trying to do. Investing in those difficult times is a personal choice, but you may want to greatly consider Jean-François Tardif decision of being only 30 % invested. That’s really something that caught my attention. And the only reason why I continue to invest whenever I can well it’s in the hope of being able to recover from my capital loss. I proceed this way following every and single stock crashes I had gone through since 2008. Will this strategy eventually paid off? I cannot tell from my own experience because I haven’t been investing in stocks long enough, but I truly believe in my chances. If it wouldn’t be of my personal situation, after knowing that Tardif is only 30 % invested, I will do the same.

The stock market is a complete disaster. No one can say if it’s going to get better or worst. It’s too in deep in the financial system. So I could do differently, I would be investing 30% of what I have available in cash and not a penny more. While recession facing, only cash will allow to buy gas for the car and food for the table. That’s a reality that we live in and following what, I had decided to do an enormous garden this summer and I will improvise myself not a stock market, but a little farm market but of course, I don’t have a clue of how this is going to take form. The dividend Girl is going to be a farmer this summer!

The stock market is cool, but better to play it safe and plan something out of it. That’s really what I think at this time.

As a good politican, Stephen Harper broke his promises

2011-11-08T18:16:00.001-05:00

Lately, my portfolio had performed well. My non-registered portfolio close today session at a very good 110 505.18$. CNR is moving forward into the 80$. I got very lucky to get some stocks at 65$. Just for stuff like that, I strongly believe I can recover from my capital loss within a matter of 6 months or even less but to do so, I need a good market condition. However, while talking about capital loss in my non-registered portfolio, it’s pretty much virtual, because the money is in the stock market.

Stephen Harper had failed. Tories won’t be able to repair their irreparable damages to the Canadian economy. I had lived in Ottawa and I can tell for sure that the staff working for the government is overpaid and they get too much advantage on our tax money. But that’s not all. Staffing agencies are the worst. In Ottawa area, the federal government give each year millions and millions of dollars to staff their minister. Staffing agencies are getting a good percentage of the money, not the actual workers.

I disliked the time I lived in Ottawa as much as I did for Montreal. There’s way too much Quebeckers is the federal capital area. The result? Corruption, corruption, corruption. Staffing agencies are making millions but the fed is ok about it. The system is pretty much corrupt there. But the staffing agencies are not alone. The translation agencies are making big money on our tax money. In term of translation, ministers, federal organizations give too much money to get their shit translate. Masha Krupp Translation Group is among the kind of agencies who made themselves millionaires on such thing. It’s a real shame. Francophone needs to learn English – I don’t need a sophisticated level of English – it can be as raw as myself. I don’t care. What we should look forward to is economy, common sense and energy. The scheme doesn’t have to be perfect just cut cut cut, laid off half of the government staff, create a real economy base on the power of the middle class, create business, richness, but please, the government need to stop the waste of time and money. It’s not Wall Street or Bay Street the problem, we are in the place and space we are in because of governments like the one of Stephen Harper who had failed in their duty. And do you think they care? Hell no, they get paid anyway.

Ii don’t think Stephen Harper government has what it take to push Canada over the edge. I saw all kind of financial abuses while living in Ottawa a couple of years ago. Trust me, it was ugly. Most of the government workers I had worked for were extremely fresh. They are well-off, and get paid a fortune not to work, but just to be there. Most of government jobs are not of a big deal and not a living necessity. Stephen Harper is a lot like Brian Mulroney: a liar. Fact is, Stephen Harper broke his promises. He won’t be able to deliver Canada from debt for 2015. But guess what, Stephen Harper is getting paid anyway.

At a point, middle class worker like myself can do better than any Brian Mulroney or Stephen Harper there is out there. Why? Simply because we care and they don't. They key words will be: PRIORITY and more CARING.

The Worried Boomer: No Pension? Not Wealthy? Here’s YOUR Plan! (Yeah!!)

2011-11-07T20:21:00.001-05:00

Ok, this is truly fascinating. It won't be of the usual long post but still..

Shortly after updating my debt situation, Derek Foster just had came with a new book: The Worried Boomer: No Pension? Not Wealthy? Here’s YOUR Plan!

I own more than 80k in debt. Do you think that's wealthy? Certainly not, but having a 6 figures portfolio make me happy.

So I wonder what Foster has in his book about the ones who are not financial healthy like myself. That's the book I needed like RIGHT NOW :)

Fascinating isn't? It's coming shortly after I complaint to Derek Foster about him who doesn't like lottery and gaming. That was his second last newsletter. And with all his powerful intelligence, he has replied to me.

Yeah I know, sometime I don't make that much sense but I cannot wait to read about the not wealthy in the newest Derek Foster book!

My deb situation on date of November 6, 2011

2011-11-06T11:43:00.002-05:00

9 550.18$ at a low interest rate of 4.75% (RRSP credit line rates) = 453.63$ in annual interest

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

7 811.51$ on a TD Canada Trust credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = 226.53$ in annual interest

7 178.89$ at low interest rate loan at 5.50% (student loan) = 394.84$ in annual interest

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

9 018.28$ at 7.52% (credit line rates) = 678.17$ in annual interest

48 764.36$ at a low interest rates of 4.25% (margin money coming from TD Water house): =
2 072.49$ in annual interest

TOTAL: 87 123.22$

TOTAL in annual interest: 4 017.66$
[In date of November 6, 2011]

Welcome in Sprott Strategic Fixed Income Fund (SFI.UN)!

2011-11-02T19:38:00.000-04:00

Tonight is pay time (I am waiting for my paycheck), and in preparation to that, I buy some extra stocks of CNR to add up the number of stocks I already own of that company. I also buy some units of the Sprott Strategic Fixed Income Fund (SFI.UN). I had an eye on that one for quite some time. I already own a lot of Sprott stuff. I have some Sprott Inc. (SII) stocks, I had invested quite some money in the Sprott Canadian Equity Fund. I also invested in silver in both Sprott Physical Silver Trust ET (PSLV) and Sprott Physical Silver Trust UTS (PHS.U). I am a bit familiar with Sprott financial products. Most of them, well at least the ones I had invested in, are super aggressive, meaning that they are subject to the volatility of the stock market and they are all super sensitive to it. But the Sprott Strategic Fixed Income Fund (SFI.UN) is quite different.

I could have invested all of my money in the CNR, but I decided to diversify myself and move on something less volatile than stocks. During the stock crash of August 2011, even at that time, SFI.UN had remained quite stable. See, in my portfolio, I want it all. I want to earn dividend, I want a portfolio that will grow in value and at the same time, I am also looking for stability in the value, meaning I don’t want a portfolio that will experience some too quick capital loss.

Personally, that’s why I never invested in oil. I really dislike everything related to oil. I day trade on an oil something index in the past – this summer actually – and I learn my lesson. Oil sector is very difficult to understand, I find and it’s extra volatile. It’s also produce pollution and a lot of environmental concern. Just have to remember about the Louisiana disaster and its oil spill. That wasn’t too long ago. For all of those reasons, oil companies are a big no no for me.

I agree that pipelines are not far behind oil for environmental concern, but I prefer pipeline over oil. Thanks to Derek Foster, I made a little fortune on PPL title. Pipeline yes, oil no. So there’s a bunch of concerns that play in when it comes time for me to pick my stocks. That’s why there’s so many changes. If I would have more money to invest, I would have also invested in Enbridge (ENB). SFI.UN had been launched this year, but because we had experienced a terrible stock crash in August 2011 and at that time, SFI.UN was still over 9$ per unit. SFI.UN was launched at 10$ per unit. So right there, it’s a wow factor. However, I am aware that the potential of grow is less than it is with stock. I am already very much exposed to the stock market. Adding some income fund in is my way to diversify my asset and, at the same time, add a great dividend (SFI.UN dividend yield is of a very great 6%), and also bring in stability in the value, even if I am talking here of less than 100 units. But still the effort is there.

I first invested in Canadian National Railway Co (CNR) when the stocks were only 65$. Today, CNR closed today session at a very good almost 80$ per stock. I know, I made a 15$ profit per stock in a matter of a couple of weeks. That’s another wow factor. Unfortunately, it’s not everything in my portfolio that’s performing that well. But I believe in my chances to recover. Just today, my non-registered portfolio closed today session at 109 309.23$. It’s a good move forward and I just hope to be able to survive the Euro crisis. The 2 investments I made today was for close 1 500$.

I was surprised when the market gain points today. I don’t get it because following referendum Greece news, I taught I was about to face another disaster. But it didn’t happen that way. Actually, if you read my blog very carefully, things never really happen the way it was initially plan and truly, the stock market, I don’t understand it. Voilà. But what I do know for sure is that I am going to recover from my capital loss. One day.

And now, a referendum

2011-11-01T20:22:00.000-04:00

Taught that the stock crash of August 2011 was hard? I personally go through a complete nightmare and I was just coming back from a 2 weeks vacation when it happens. I taught everything was pretty much fixed for the Euro. Well, it seems I was completely wrong. Greece wants a referendum regarding its financial situation, which is very stupid, I find. While having the chance to get an in-extremis emergency fund, Greece should be grateful. But instead, they decided to show up some leadership and play it smart with their referendum idea. I just don’t get it.

This could make things extremely difficult on the stock market. It’s like living a nightmare. I had been doing well so far, but I don’t have enough in cash to be able to survive to an in deep recession. At this time, the plan I have to invest in blue chips is getting stronger than ever because if we get another dip of the August 2011 crash, well, nothing else but blue chips will help me to survive. I need to minimize the capital loss. I am not that stress however because I had been able to keep my margin situation in good shape so far. I had a bit more than 1 000$ to invest.

Following last Susan Brunner comment, well, I decided I could maybe invest more in CNR instead of investing in ENB but I have one day to actually think and decided. Reason why is because I am already very much exposed to the pipeline world in my portfolio with stuff like TRP, ENF, PPL... So thanks to her, I may increase my position in CNR.

My very own blue chips investment rule or on how I plan to beat Bill Gates

2011-10-31T18:51:00.000-04:00

It’s Halloween and I received today my Atlantic Power Corp (ATP) dividend: a cuty 9.12$. The stock market is down again. My non-registered portfolio is down to 107 464.63$. My portfolio is down, but I am still in a good shape, considering what we are in right now. I have to admit, trying to get something out of the market right now is very difficult. It’s terribly hard to keep my head of the water. I would like to be able to recover from my capital loss as soon as possible. I can achieve that by remaining where I am right now. This meaning I have to keep leave the money where it is, I have to leave my stocks on the market and stop overtrading. Also, I have to keep going. This meaning I need to continue to invest and I really have to focus on blue chips, especially those who pay very little in dividend. They are among the best stocks.

You just need to take my investment in Canadian National Railway Co (CNR). I had purchased some stocks at 65$ of that baby. And now, in a very short period of time, CNR is almost at 80$ per stock. That’s very impressive isn’t? The only problem is in the dividend payout. CNR pay less than 2% in dividend and its stock is ultra expensive. So why should you investing in CNR? Well, because I personally own stocks of CNR and also because Bill Gates also own stocks of CNR for his foundation. That’s what I had read. So the Dividend Girl AND Bill Gates? Well, CNR can only be a killer stock (isn’t a perfect term right on time for Halloween??). And trust me, it is. CNR is a flying rocket. So be ready for the stuff! CNR is the best investment you can get in those recessions time. And sometimes, I am shocked that I am still working, that I am currently living in New Brunswick, that I am driving a car, that I have money left to invest every months or so. Why is it going well can someone please tell me? Well, I guess I just deserved the stuff. But I don’t have it all yet, I need to recover from my capital loss. But a question remains: can I do it?

Personally, I have problem to invest in blue chips and it’s extremely difficult to invest in blue chips only because they pay so little in dividend and are way too much boring to hold. I made my latest in Firm Capital Mortgage Investment Corporation (FC). Unfortunately for me, FC is not a blue chips. I had invested in FC because for that time, I just have very little to invest and FC was a recommendation of Gordon Pape. I had trouble with some Eric Sprott recommendations (remember my investment in Timminco (TIM), and oh, Sprott Inc. (SII) itself and PHS.U and its American cousin), but I never had any trouble with Gordon Pape stock recommendations. Fact is, I was and still so confident about Eric Sprott that I follow almost his every moves – that being directly from New Brunswick. I still believe in Eric Sprott silver, in Sprott Inc. (SII) stocks, in the Sprott Canadian Equity Fund ok, but one thing you need to know is that Eric Sprott is a very aggressive investor. Investing in silver like Sprott, buying some Sprott Canadian Equity Fund shares in order to eventually see the value double, living the Timminco disaster, well, all those things you know, when you experienced it for yourself – me as a middle class investor, well you know, it make you realize that at a point, you may not be that much, a nobody buying stocks for fun hoping to get rich some day but still, geessss it’s been sooooo muchhhh fun. Lol. It’s important to know exactly who you are in order to keep focus on things that really matter.

In my investment life, I did all kind of trades, pretty much sure that TD Waterhouse cannot follow quite well however, no one was to understand and get it, what will make the difference on the long term is me, keeping in control of my assets. That’s not something easy to do especially while working daytime like I am doing now. But at a point, I realize that following the stock market during the day and working the evening shift was quite of a crazy pattern that exhausted me.

The stock market? Do as you feel, but like me, you should very try to focus on blue chips. Forget the fancy stuff, silver, gold, Sprott... Everyone is in to make money and that’s include Gordon Pape and Eric Sprott so at the end, you are left alone and you’re the best qualify to know what to do with your money. However, I agree, it’s sometime difficult to figure out what’s going to be the next investment. In what are you going to invest when you have the feeling that you already have it all. My have it all meaning that you already invested in a bunch of great stuff that you truly believe in. Unfortunately, some stuff did good, and some had experienced some capital loss. So what can be done about it?

Here comes the point where blue chips are needed AND ONLY blue chips. This being to protect the capital from any other loss and also in a planning of a future capital gain. Also, because you’re not always a good stock picker (stuff can happen right), well, to facilitate the work, you go with some blue chips you never care too much before. Now have come the time to care and this is how I plan to “beat” Bill Gates. lol :) Yeahhh beat Bill Gates.

My next investment? I am really going with Enbridge (ENB) for a good 1k investment. $$$

The only problem being what’s going to be the one after that. See, I am facing some big time drama with blue chips because I don’t know them too well, and the little yield disturb me.

I take all that this way: I have the chance to have more money that I need to cover my needs so this is chance of recovery. Nothing is really easy, but still. It’s kind of a hard play. I play with stocks and now, my ultimate chance of getting up on my capital loss, to create health is simply by investing in blue chips. You think that’s easy? Well, it’s really not.

This can be resumed by one word only: DISCIPLINE.

So be ready readers. Be ready.

Happy Halloween!

2011-10-29T22:16:00.000-04:00

Halloweennnnnn! I visited a local haunted house and it was scary and hilarious at the same time. I was totally into it. Otherwise, the weekend so far is pretty much what it is and it’s better than what I had expected because I didn’t plan to have enough even with this next week paycheck to make a new investment... but seem it could work out.

Living in New Brunswick is definitively a big plus, even after increasing my rent, pension or whatever else you want to name it to my mom and dad to 400$ instead of 350$. I began to feel cheap knowing that money include absolutely everything regarding my living expenses so I push it to the 400$. I could even give 500$ without suffering. It wasn’t really in my life plan to live in with mommy and daddy at 31 years old of age, but what the heck it just happen this way. I never taught it will be possible for me to find a job in New Brunswick either actually. So when it happens, I just move in to my old bedroom. I don’t have any complaints to make what so ever. Living in with my old folks is coolllll ok? I don’t do grocery shopping, I don’t cook. Got the picture? Lol. I won’t comment more.

So this is it, because I live in with my old people and that I only pay 400$ for everything well, as you can imagine, this leave a lot of cash for my investment hobby. These days had been very good for me. In August 2011, everything happens at the same time. I arrived from my 2 weeks vacations and immediately after, the stock market crash, I find a job in New Brunswick and move on a very short notice from Montreal city of hell to the peaceful and so much better New Brunswick. But don’t ask where I am from in New Brunswick because I won’t ever tell you.

Now, knowing that, I can let you know that I have around 500$ available this upcoming week to invest. Small but interesting amount to invest. At this time, it’s quite of a challenge to find something to invest in because I already invested in almost everything I ever wanted. ENB? Yeah, but I already have ENF in. Knowing ENB are more than 30$+ each, I could wait for December or so to place my new investment.

Actually, the challenge now is to reach the 200k in investment and to reduce my unofficial capital loss. So far not too much problem, but I think some readers taught that I was into going better than the TSX index when it’s really not the case. I think you have to read this blog keeping in mind that it’s being wrote by 31 years old who look like in her young twenties (all those precious little creams from l’Oreal and Garnier had done miracles) free like a bird, no stress involve. I am not married, I am single, I don’t cook my meals and I don’t have any children of my own. And I don’t have a boyfriend either. So keep everything in mind, and following what, you’ll get my idea about investing. I don’t care if the results are very good or bad, the only think is to get a portfolio that will involve a lot in capital loss and so far, I think I done ok, a mix of good investments that done well, some other bad, a good amount of dividend is coming in, a lot of debt too, but nothing ever disturb me, it’s all about the long term.

I know, but sometimes, some good stuff can be read from a pink blog.

Watch out, I am now at 154 363.06$

2011-10-27T20:52:00.000-04:00

The TSX cash in extraordinary gains today following the 1.4 trillions news in back-up cash for the Euro zone and in result, I experimented some extraordinary gain directly in what you are use to, my very own very good investment portfolio. Here at my Dividend Girl blog, no matter what happen, I am like the sexiest cat of the whole universe I ALWAYS get back on my feet. I am the cat woman. There’s absolutely no way this can go wrong. This is what I had been waiting for. This is what I call an extension of my own self on the world wild market baby.

Today was the easy part – enjoying the gains and a possible recovery. But going through the market volatility – and even worst – stock market crashes after crashes is not easy. The stock crash of August 2011 completely burns me out from inside and out. Part of the misery was coming partly from my margin situation. I always felt confident about my portfolio but while facing such destructive events, financial system about to collapse worldwide, no way I could remain calm, no way I could not care. And of course, I worried about getting a margin call, I worry about TD Waterhouse who could sell part of my portfolio without even calling me first and then, at a point, I hated TD Waterhouse for having that power over me, to have to right to sell my portfolio in case something major happen.

And something major did happen in August 2011, but there’s been no margin call and now, I am only missing 45k to hit the 200 000$ in investment. Crazyyy. I just consider myself extremely lucky and in result, you have the privilege to read my blog. So enjoy for now because one day, it could stop and you could eventually never heard of me again.

Another problem being that investing is very addictive so it's very good that sometimes, the market mark points. I am investing every month or so and when I don't or when I do, I just cannot wait for the next time, what's going to be next, what's going to be the investment, am I going to cash big in dividend, am I going to earn great capital gains? It's a story that never end and I don't think it will stop anytime soon actually. So don't worry, you won't ever miss me.

lol :0)

My investment portfolio on date of October 27, 2011

2011-10-27T20:08:00.002-04:00

Savings:
281.99$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 570.20$
Timminco (TIM): 37$
Blue Note Mining (BNT): 28$
Bank of Nova Scotia (BNS): 5 674.21$
Hanwei Energy Services (HE): 42$
Methanex Corporation (MX): 2 729.50$
Fortis (FTS): 3 673.08$
Pembina Pipeline Corporation (PPL): 11 974.05$
Just Energy Group Inc. (JE): 7 245.27$
Pengrowth Energy Corporation (PGF): 2 368.26$
Enbridge Income Fund Holdings Inc. (ENF): 6 211.72$
Corby Distilleries Limited (CDL.A): 1 678.90$
Davis + Henderson Corporation (DH):
3 570$
Premium Brands Holdings Corporation (PBH):
6 726.72$
EnCana Corporation (ECA): 4 477.80$
iShares S&P/TSX Capped REIT Index (XRE): 2 266.88$
Horizons Gold Yield Fund (HGY.UN): 2 046.18$
Canfor Pulp Products Inc. (CFX): 1 380.08$
New Flyer Industries Inc. (NFI): 1 279.20$
Capital Power Income L.P. (CPA.UN): 1 785$
Exchange Income Corporation (EIF): 6 468.80$
Rogers Sugar Inc. (RSI): 1 611.95$
Student Transportation (STB): 1 248$
Colabor Group Inc. (GCL): 2 190.24$
TMX Group Inc. (X): 4 329.90$
Data Group Income Fund (DGI.UN): 2 005.08$
K-Bro Linen Inc. (KBL): 1 896$
Westshore Terminals Invest Corp (WTE.UN): 4 730$
WesternOne Equity Income Fund (WEQ.UN): 2 276.20$
Atlantic Power Corp (ATP): 1 374$
First Majestic Silver Corp (FR): 1 807$
Kinross Gold Corp (K): 2 214$
TransCanada Corp (TRP): 1 092$
Canadian National Railway Co (CNR): 1 422.90$
Firm Capital Mortgage Investment Corporation (FC): 503.60$

TOTAL: 107 933.72$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 504.15$
US cash: 4.12$

TOTAL: 2 508.27$ US

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 22.26$
Dumont Nickel Inc. (DNI): 718.75$
Sprott Physical Silver Trust UTS (PHS.U): 3 247.68$
Cash: 3.08$

TOTAL: 3 991.77$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 565.20$
Claymore Gold Bullion ETF (CGL): 5 282.94$
EnCana Corporation (ECA): 2 195$
Emera Incorporated (EMA): 7 133.80$
Sprott Physical Silver Trust UTS (PHS.U): 1 082.56$
Cash: 124.25$

CIBC Dividend Growth Fund: 550.45$
CIBC Emerging Markets Index Fund: 345.88$
CIBC Monthly Income Fund: 1 071.20$

Energy and Base Metals Term Savings (Indexed term savings):
577.30$
Natural Resources Term Savings (Indexed term savings):
502.06$

GIC National Bank: 1 219.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 628.33$
Manulife Simplicity Growth Portfolio: 875.04$
Maritime Life CI Harbour Seg Fund: 1 050.81$
Maritime Life Fidelity True North Seg Fund:
1 007.86$
Manulife GIF MLIA B World Invest: 626.02$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 548.27$
RBC U.S. Mid-Cap Equity Fund C$: 1 952.80$
RBC Global Resources Fund: 1 092.07$
RBC O'Shaughnessy International Equity Fund: 624.48$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 176.02$
RBC Global Precious Metals Fund: 920.26$

TOTAL: 39 487.02$

Social Capital at Desjardins Membership share
for 3 accounts: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(120.29$):
154 363.06$