Bye bye Canada Bread Company Ltd. CBY no longer trade on the TSX. No more.

Canada Bread Company Ltd (CBY) stop being trade on the TSX. CBY had been buy by a foreign company and in result, it no longer trade. I didn't make much money on this trade. following the departure of Canada Bread of the TSX, I got back in hand a good $2 500. For now, the usage of my margin is reduce to $68 000. I have left just over 9k of available cash on the margin. I am not tempt by any other investment at this time so life is little boring. 

Now that CBY is gone from my non-registered portfolio, my dividend income is down to $6 155.83 or the equivalent of $513 per month. Not too bad. I had spent quite some money in May. My next investment will only be made in the second week of June. I am thinking of The North West Company Inc. (NWC). A $1 500 investment in NWC will only add me up to what I use to be before CBY took the door.

My Encana Corporation (ECA) shares are slowly but certainly going back to its old original value. I didn't have it easy on that one. Slowly after investing in ECA several years ago, it value went down, and it had been hard to get it back on track, but I knew it was the right thing to hold. Its new IPO could indirectly bring in some value to the title, its something to watch and it definitively deserve a hold.

We barely ever heard of my man Jean-François Tardif but his fund is doing well inside my portfolio. Unfortunately, the JFT Strategies Fund (JFS.UN) doesn't pay any dividend. The strategy to have with the JFT Strategies Fund (JFS.UN) of Jean-François Tardif is very very simple: use the man and his fund as your cash cow.

What is a cash cow? Let me explain it all. ;--0) ahah!

I had been holding on to JFS.UN since its IPO. Since that time, my investment grow of $490. The thing with a cash cow is to keep the initial investment in the stock market and once a reasonable profit is made, $500 or more, you sell what is left over. JFS.UN is performing well, but it doesn't gain value as quickly that I would like it too. But patience pay off. For that reason, it could be of a very great idea to make an investment of at least 2k in JFT Strategies Fund (JFS.UN) inside a TFSA. That way, each time you do the cow cash thing, you won't get tax on the capital gain. I plan to do that one day.

Without really knowing, I have a lot to do with my little money.

I haven't heard from Jean-François Tardif for a very long time so I had transformed him as an animal.

Welcome in my non-registered portfolio Laurentian Bank of Canada (LB)!

I made a new investment today, a few shares of Laurentian Bank of Canada (LB) for my non-registered portfolio. Since Just Energy (JE) had declined in value and that will sooner or later affect the value of my margin, I kind of had no choice - or 2 choices: to invest inside my non-registered to boost my margin value or simply inject cash with a 100% inside my margin.

Just adding cash in was too boring so I taught about going on with an easy girly fancy stock: a bank stock. Quite a surprising move coming from the anti-Quebec that I am, but I need something relatively stable and with a yield of at least 4%. I am still anti-Quebec, no matter what, but I am happy with my move. I like to welcome in some new stocks. My non-registered is now at $135 607.68.

Go baby go.

Just Energy Group Inc. (JE) title hitting the ground and eating it in full s

Winter had been too long and too cold, so now I am enjoying the nice weather and I don't spend too much time in front of my laptop in my free time. I didn't even take time to do my hair coloration yet and I need it. I need it now. Now its too late, everyone know that I am not a real red hair girl. Toooo badd.

I enjoyed my Monday Holiday and now just 4 days to go before another weekend, ok I can do this lol. Especially knowing that last Friday was pay day, and in result I now have a bit more than 1k to invest. And what will be my next investment? You'll find out next.

Lately, I had been watching very closely Exchange Income Corporation (EIF). For the past couple weeks, EIF had been going down... What's going on? I don't know. Its not the first time that EIF is playing with me like that. But now, everything is back to normal or almost. I think EIF will recover. On the other hand, things are not so great right now for Just Energy Group Inc. (JE) and I don't if JE will be able to recover anytime soon. Tooo bad.

And its all for the hot news.

Maybe just another thing, I did not sell CHR.B yet.

Thinking about selling Chorus Aviation Inc. (CHR.B)

At $136 951.89, my non-registered portfolio is at one of its highest value ever. EVER. i cannot wait to hit on the 140k. Its for reasons like that one, very explicit, that I decided to stop throwing away money on my student loan, or even worst - on my margin. NO NO NO.

One of my big holding, EnCana Corporation (ECA) is doing much better. I am confident I will recover from my loses on that one by simply doing nothing and let it go. Shortly after I invested in ECA a couple years back, the stock lost in value. It was hard to take, but I think its looking good for a recovery.

Another stock that is on the go is Canfor Pulp Products Inc. (CFX). I am now only experiencing a loss of $185 on this one, much less of what it use to be. I am catching on profit with New Flyer Industries Inc. (NFI) - I had been holding that one for a very long time.

Currently, I am thinking of selling my Chorus Aviation Inc. (CHR.B) stocks. I am currently experiencing a profit of more than $200 on that one and I would reinvest in something more secure, like, because I am now a sexy bank girl, it could goes on Laurentian Bank of Canada (LB), for example.

From Super Sexy Dividend Girl to Super Sexy... Bank Girl

Its been a wonderful weekend here in Montreal. These past couple days, Spring is here and I don't spend too much time online. I saw The Amazing Spiderman 2 on Friday and its was real good. And because the weather was so nice I did a bit of shopping. I spend the whole weekend outside. The weekend had been too short.

Davis + Henderson Corporation (DH) had changes its name to DH Corp (DH). I don't like this new name at all because of the double effect - DH in the name and DH as ticket symbol. The + between Davis and Henderson was super hot. And Davis with Henderson sound cool. Davis is one of my major holder. It worth something like a good 3k in margin value. I am very disappointed by the name change. I will be missing the "+".

With my latest investment in National Bank of Canada (NA), my dividend income reach out the equivalent of $518. I have to say that with all of the stocks that I hold in my portfolio, its hard to get in something new that will being an interesting dividend and, at the same, will be a safe bet. Well, no matter how great my portfolio is, I don't have it all yet, there are still some great investments I can add on to bring on strong value and dividend income. Do I decided to turn into a massive bank stock holdings and invest a one thousand in Laurentian Bank of Canada (LB). At 4.35%, LB dividend yield is super attractive. And I need money for more shopping.

Welcome in my TFSA portfolio National Bank of Canada (NA)!

I had bought a few shares of NA at $45.33 for my TFSA. My next investment will be for... next week. There's 3 pay in May, pretty hot.

For dividend easy cash, easy investment choices

In this rainy weekend, I calculate my dividend income by counting only the regular dividend that supposed to be paid quarterly or monthly. It make a total of $6 177.71 for both my non-registered and TFSA, an equivalent of $514.81 per month. Not too bad, but I want more! But how to do it while staying away of those stocks that pay too super high dividend yield?

Stocks that pay super high dividend yield - more than 6% - tempt to decrease their dividend overtime and at the same time, they decrease in value. And I don't want that to happen in my portfolio anymore. So I came with a DIVIDEND SUPER HOT PLAN.

With only $3 562.73 on student loan debt and $70 466.39 margin debt, I decided to invest all extra money available rather than paying debt because paying debt doesn't provide the same excitement as investment. In my search of new investment, I look at Susan Brunner investment list and made a few picks. Among my requirements: a good looking chart going all the way up-up-up for the past 10 years, a dividend yield of not more than 6% and not less than 4%. Basically, it was it. Also, I find I already have some REIT stocks in my portfolio so I ignore all REITs from Susan list.

I first came around with those stocks:

National Bank of Canada (NA)

Stock price: $45.65

Dividend yield: 4.04%

Inter Pipeline Ltd. (IPL)

Stock price: $29.85

Dividend yield: 4.33%

Morneau Shepell Inc. (MSI)

Stock price: $16.19

Dividend yield: 4.851%

Parkland Fuel Corporation (PKI)

Stock price: $20.12

Dividend yield: 5.235%

Thomson Reuters Corporation (TRI)

Stock price: $39.20

Dividend yield: 3.629%

The North West Company Inc. (NWC)

Stock price: $25.34

Dividend yield: 4.578%

Chemtrade Logistics Income Fund (CHE.UN)

Stock price: $20.51

Dividend yield: 5.851%

Russel Metals Inc. (RUS)

Stock price: $32.53

Dividend yield: 4.304%

Valener Inc. (VNR)

Stock price: $15.78

Dividend yield: 6.333%

Following what, I reduce my list for two immediate investment: National Bank of Canada (NA) and The North West Company Inc. (NWC).

I have a contribution room of more than 21k inside my TFSA and its very terrible. In the immediate time, I hold a few things in my TFSA that had slow down the raising value. The only thing I can do right now is to invest in high quality stocks inside my TFSA and National Bank of Canada (NA) is an easy and good option. Another option would be Inter Pipeline Ltd. (IPL). And also Thomson Reuters Corporation (TRI). I find that Thomson Reuters Corporation (TRI) is an enigmatic company.

Rain goes well with junk food

I was curious to update my portfolio and its how I found out that my net worth is now of $115 434.88. Not too bad, but I was more set on a 120k net worth. Also, back in January, I had a portfolio of like 190k and now I am down to 189k. I had sold some investments to pay debt, that's explain why my net worth is higher.

Its raining in Montreal, the weather is not nice at all. And during that time, I am picking on Susan Brunner stuff for some investments ideas. But right now, my very own Lumenpulse Inc. (LMP) is hot.

My debt on date of April 30, 2014

$70 466.39 at 4.25% (margin money coming from my broker account) = 
$2 994.82 in annual interest

$3 562.73 at low interest rate loan at 5.50% (student loan) = 

$195.95 in annual interest

TOTAL: $74 029.12

TOTAL in annual interest: $3 190.77

[In date of April 30, 2014]

My investment portfolio on date of April 30, 2014

Non registered Investments:
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.22
Blue Note Mining (BNT.H): $0
Bank of Nova Scotia (BNS): $7 326
Hanwei Energy Services (HE): $21
Methanex Corporation (MX): $6 992.67
Fortis Inc. (FTS): $3 509.80
Pembina Pipeline Corporation (PPL): $19 898.34
Just Energy Group Inc. (JE): $7 046.39
Pengrowth Energy Corporation (PGF): $1 637.60
Enbridge Income Fund Holdings Inc. (ENF): $9 004.32
Corby Distilleries Limited (CDL.A): $2 515.05
Davis + Henderson Corporation (DH): $6 855.84
Premium Brands Holdings Corporation (PBH): $9 369.45
EnCana Corporation (ECA): $5 281.12
iShares S&P/TSX Capped REIT Index (XRE): $2 502.50
Horizons Gold Yield Fund (HGY): $1 337.22
Canfor Pulp Products Inc. (CFX): $1 315.44
New Flyer Industries Inc. (NFI): $1 254.96
Exchange Income Corporation (EIF): $4 048.26
Colabor Group Inc. (GCL): $354.96
TMX Group Inc. (X): $461.92
K-Bro Linen Inc. (KBL): $4 000
Westshore Terminals Invest Corp (WTE): $7 266.48
WesternOne Inc. (WEQ): $2 850
First Majestic Silver Corp (FR): $1 040
Kinross Gold Corp (K): $671.95
TransCanada Corp (TRP): $1 277
Canadian National Railway Co (CNR): $5 778
Firm Capital Mortgage Investment Corporation (FC): $483.20
Enbridge Inc. (ENB): $1 480.92
Agrium Inc. (AGU): $2 737.02
Canadian Utilities Limited (CU): $1 700.58
Crescent Point Energy Corp (CPG): $980.98
JFT Strategies Fund (JFS.UN): $2 472
Geovencap Inc. (GOV.H): $0
Heroux-Devtek Inc. (HRX): 
Black Diamond Group Ltd (BDI): $861.50
Emera Inc. (EMA): $847.50
Cineplex Inc. (CGX): $1 032.75
Barrick Gold Corp (ABX): $765.20
BCE Inc. (BCE): $1 073.60
Stella Jones Inc. (SJ): $599.20
Shoppers Drug Mart Corp (SC): 
Saputo Inc. (SAP): $1 172.20
Toronto-Dominion Bank (TD): $1 054.60
Canada Bread Company Ltd (CBY): 2 528.40
Lassonde Inc. (LAS.A): $1 045.10
Loblaw Companies (L): 571.80
Lumenpulse Inc. (LMP): $950

TOTAL: $135 973.04

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 204.19
Cash: $4.12

TOTAL: $1 208.31

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $33.30
Dumont Nickel Inc. (DNI): $100.63
Sprott Physical Silver Trust UTS (PHS.U): $1 705.48
Sprott Strategic Fixed Income Fund (SFI.UN): $364
Healthlease Properties Real Estate Investment Trust (HLP.UN): 
$1 012
RioCan Real Estate Investment Trust (REI.UN): $953.05
Precious Metals and Mining Trust (MMP.UN): $486
Sprott Inc. (SII): $3 357.25
Chorus Aviation Inc. (CHR.B): $538.20
Data Group Inc. (DGI): $544.44
AltaGas Ltd (ALA): $1 401
CT Real Estate Investment Trust (CRT.UN): $1 140

Cash: $73.63

TOTAL: $11 708.98

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 303.88
iShares Gold Bullion Fund (CGL): $3 873.48
Emera Incorporated (EMA): $7 864.80
EnCana Corporation (ECA): $2 691.34
Sprott Physical Silver Trust UTS (PHS.U): $568.49
Toronto-Dominion Bank (TD): $1 581.90
Barrick Gold Corp (ABX): $956.50
Stella Jones Inc. (SJ): $2 996
Telus Corp (T): $1 931
Tim Hortons (THI): $601.20

Cash: $257.32 

CIBC Dividend Growth Fund: $710.12
CIBC Emerging Markets Index Fund: $314.28
CIBC Monthly Income Fund: $1 258.61

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

GIC National Bank: $1 277.70
Manulife Fidelity NorthStar GIF CAP B: $957.19
Manulife Simplicity Growth Portfolio: $1 083.03
Maritime Life CI Harbour Seg Fund: $1243.85
Maritime Life Fidelity True North Seg Fund: $1 330.66
Manulife GIF MLIA B World Invest: $891.86

Great-West – various: $2 378.61

Various other mutual funds: $1 333.07

TOTAL: $40 484.25

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income ($50):

$189 464.58

At TD Waterhouse, Lumenpulse Inc. (LMP) has a margin value. Yeah!

Its been a quiet weekend, including a lot of cleaning going on in my tiny apartment. I am almost done with my Spring cleaning. And I got my hair cut. The weather is not super fun in Montreal, I still have to wear a good jacket. Yesterday, it was very cold and raining, so I just jump in my cleaning tasks, putting away most of my winter clothes away and cleaning my wardrobe, among other things.

Following my freshly made investment of last week in Lumenpulse Inc. (LMP), I had been noticing that TD Waterhouse had giving a good margin value to Lumenpulse Inc. (LMP). I think it might be a 70% value or something like it. And this is a really good sign. When JFS.UN started training, it didn't get a margin value right away, it took a little while to get something valuable in term of margin. I am happy that Lumpenpulse Inc. (LMP) had a margin because I would like to have at least 10k of margin value left. I am at something like close to 8k right now. With the month of May hitting in soon, I probably use all of my money left from paycheck to go on my margin. Eventually, a margin of 15k would be perfect. And having those goals in mind make it difficult to just invest inside my TFSA.

Other than margin management, I had subscribed to my employer RRSP plan. I am contributing just a tiny 1.5% of my salary and in exchange, my employer is giving a 1.5% of my salary. I am getting a free $690 by doing so. Even if I am not a RRSP believer, I decided it was time to subscribe and I will benefit from it at long I will stay on this current job. The RRSP plan is not super generous but I guess its better than having at all and anyway, soon before you'll know it, I will be ranking on the $300 000 portfolio and be super rich.  

Lumenpulse Inc. (LMP) is suppose to be THE STOCK that will make be rich - we'll see how it turn. In the meantime I don't have an interest for any other stocks at the present time. Maybe JFS.UN units for my TFSA one of those days.

And this will be all for tonight, have a good week. Tomorrow is Monday. Just don't think about it and it will be ok.

Welcome in my non-registered portfolio Lumenpulse Inc. (LMP)

I stopped my decision and decided to invest in Lumenpulse Inc. (LMP). I got a few shares at $19.57. The remaining money went to pay down my margin.

I kept thinking about placing this investment so I decide to go for it.

Crescent Point Energy Corp. (CPG) is on a halt trade

There's a new Trailer Park Boys movie that is currently playing and I couldn't help it, I need to see it! It was a fun stress releaser. I just adore The Trailer Park Boys. So hilarious! :)

I am busy at work these days and my mind is not straight up on what should I do with that 2k in cash that I have available. Is Lumenpulse inc. (LMP) is a safe bet? Should I simply use the money to pay down my margin debt? Pay down my student loan? Or invest? Its not that easy to make the move for several reasons. Strange work situation and too many choices!!!

I was surprised to see my non-registered portfolio down to 132k and a few dollars... but its all because Crescent Point Energy Corp. (CPG) is on a halt trade. 

What to do with a $2 000?

I went to New Brunswick for a few days, I just came back yesterday. I will try to post some pictures later on. Before going, I went for my taxes and it went find, with only $500 extra pay in tax money - not too bad. Again, I pop up the 50k income for this year if I remember.

I didn't update my dividend income for April yet but it make a good $527.40 so far. With that money, I currently have at my disposal $2 000 and I keep thinking about what to do with the money. I have that $3 600 student debt that I was looking to pay back until.... I find out about Lumenpulse Inc. (LMP). I was thinking to invest a 1k in LMP inside my TFSA. But with only $3 600 in student debt, I could pay it down veryyyy quickly.

However, investing in Lumenpulse Inc. (LMP) is very tempting because I am very sure that this stock will just grow and grow and grow...

So I have that new idea, to leave a 1k in my bank account and just invest 1k in LMP.

One problem being that I prefer to invest and leaving money in the bank because some serious shit is happening at work, its unbelievable. We had once received an email previously this year saying that we were going to get a raise for April. Great, but a girl that been there for 5 years had been refused the raise for no specific reasons. I was quite shocked to learn the news because I don't know if I told you but I got a raise of more than 6k at work. The girl could had get a 1,5-2% raise I guess but nothing had been provide to her, even if we had received an email from the President saying that we were all going to have a raise. Why would the president write that kind of email to all employees if not all employees were not giving a raise? Soo cruel!

I find it a complete stupid act of cruelty and extreme arrogance. The girl is leaving at the end of the month, I guess she had find something else. Some other rude stuff like that had been going on for a while and its really sad. One day, the people responsible will have to pay of those cruel acts.

Stuff like this make me wanna leave just like her as fast as I can.

You have said shitty job in Montreal? Oh fuck yes.

The Father of the TFSA died today. RIP Jim Flaherty and thank you for the tax free dividend cash

We all knew the man was sicked - I even suspected him to be alcoholic when he was alive. Just a few weeks after he retired, Jim Flaherty died at home from a heart attack. It would had been great to watch his career in the private sector, but unfortunately, the father of the TFSA is no longer with us. Its been said that  he had children. My mom and dad are about the same age, and I wouldn't like to lose them so soon in life.

I had been quite busy since last week as I am trying to put more efforts on my freelancing activities. Its going on well and I could make 1k - $1 500 just my working part-time. Once job I had 2 years ago was suddenly cut off, but it started over again lately. Its rough to get back in the routine because a lot had changed. I have one project completed... so I slowly moving on. 

Even if I got a raised of more than $6 000 at work (yeah, yeah, you are reading correctly), I prefer to have something on the side because I don't trust my employer. See, my student loan will soon be paid off. After that, only my margin account will remain. I have a margin debt of $70 000. If I can save $30 000 a year or about, my margin could be paid in less than 3 years... And that's possible now because of my current raised and self-employed work. When figuring that out, I was quite impress. I could actually save enough to retire by 40. Maybe. And if now, I will have my dividend and self-employed to make my living.

You could imagined that I have a super job because I got a raised, but co-workers can be very fresh, just like the superiors. They are Quebeckers, so I barely talked to them, the strict minimum, a little talk, just what is needed. Its not a pleasure to be living in Quebec province, especially now that the Liberal Party had been elected. I don't know what the hell Quebeckers were thinking, but gees, this is getting grotesque. Just watch Quebec province flying sky high into debt. This is just another proof of how stupid the Quebec mass is. Some had forget that Liberal are all about bullshit. Short term memory, I guess. I mean really, everything I write about Quebec is true and of a very honest opinion. I am giving the view of an insider who's heart is outside Quebec and belong somewhere else. I cannot stand the level of selfishness. I cannot stand their lies.

Quebec can be what it is, sometimes, good thing pop up from the shit. Like Jean-François Tardif, for example. Celine Dion, if you like her. But here, at The Dividend Girl blog, we are about money. And I have find what could be my next pot of gold. And the pot of gold is right here in Montreal! In shit town. Exciting, ohhh yeah! 

The extraordinary thing is name: Lumenpulse Inc. Its an extreme interesting company - I will let you do your search. Once of its competitor in the US, Philips, currently trade at $35 per share. The thing is that Lumenpulse is about to pop up from the initial public offering on April 15. Unfortunately the IPO is not available at TD Waterhouse. Lumenpulse is starting at $16. I think this company had good chances to grow in its sector. The CEO is super interesting, kind of the like of Jean-François Tardif, very smart, could afford retiring because he's already millionaire, but won't because he want to see his business grow. And why seeking for retirement when you can be the king of the world? At least, Jean-François Tardif is MY king. But I guess you all knew that from now, unless you are not really reading or are blind from an eye, left or right.

Goodbye, little Shopper Drug Mart (SC) shares...

Today, most of my Shopper Drug Mart had been sale and I also received a few Loblaws shares. In result, my non-registered portfolio is at $133 897.78. My margin usage is down to $70 937 and I have a margin left-over of $6 896.44.

Shoppers Drug Mart Corp. (SC) no longer trade on the TSX

This is getting exciting! Its official, Shoppers Drug Mart Corp. (SC) no longer trade on the stock market. My SC shares are frozen, and I cannot wait to received the maximum cash possible. Now that SC shares are frozen in ice, its just a matter of a few days before I get my $$$.

My non-registered portfolio is at a great $136 408.12 value right now. Once my SC shares will be sale off, my portfolio value will be lower, unfortunately. If I am lucky enough I could used a 2k of the sale to pay off my student loan but it will depend of my margin.

Wanna make money on the stock market? JFT Strategies Fund (JFS.UN) is a good option

Good dividend earnings in March with more than $500 in earnings. My non-registered portfolio close today session at $135 958, which is quite good. Lately, stocks like Black Diamond Group Ltd (BDI), Stella Jones Inc. (SJ) and Pembina Pipeline Corporation (PPL), among other. Even my Just Energy is going up up up so things are pretty hot. And Enbridge Inc. (ENB) is what we could consider a hot stock right now according to Rob Carrick. But before Rob Carrick, someone else taught about Enbridge Inc. (ENB) as good investment: Derek Foster! :) Smart investors who had followed Derek Foster from the start are really rich now.

With my upcoming paycheck, I will have 2k at my disposal. My tax declaration cost me $70 to be done. After what I probably going to have to pay max 1k extra in taxes. I would be surprise if it will be more. I have a 1k at my disposal. But to do what? I already have a good collection of stocks, I hold the best (yes!) :including JFT Strategies Fund (JFS.UN) of the love Jean-François Tardif. I check on the man - only on Google unfortunately - once in a while and in my latest search, the latest news about Tardif was a BNN interview, back in December 2013 I think. And at that time, he was saying that the US was the place to be - no matter if the market goes up or down. Well done, because nothing seem to beat the US. 

JFT Strategies Fund (JFS.UN) started with a slow grow, but I think the fund had proven now to be quite stable in value and grow, which is quite something. Other funds like the Sprott Canadian Equity Fund are only  good to make you lose money.

Derek Foster is almost 100% invested in the US market, smart guy, I could picks from his US picks and tadam, no problem, hello nice and easy cashhhhhhhh, marvelous cash. With only 1k, the dividend income wouldn't be much in the immediate so I have a better plan.

The balance of my student loan is of $3 634.25 and the monthly payment is of $98. I am much more interested in paying down my student loan to finally get rid of that monthly payment. I had paid off my credit lines, credit cards... I currently have no monthly payments to make if not my student loan and rent. Its getting interesting to pay off my student loan for that reason. After what, I could easily live on $1 200 per month, and I could push it down to the $920 per month. That could become true in 2 months from now (June)... So why not? Its the main reason why I am so interested in paying off my student loan now.

Ready to say good-bye to my Shoppers Drug Mart shares. Go go go!

The Shoppers Drug Mart acquisition by Loblaws was supposed to go through on - was it March 27 or something like it??? - but I still have all of my Shoppers shares right in my portfolio and its quite boring. So I am currently waiting and still waiting. I had been waiting for a really long time now, so I hope to deal will move on so I can lower the usage of my margin and I will try to stay that way.

I had been busy lately. A old part-time gig I used to have 2 years ago is about to get back to live and I could make good cash. And I will need it because this past Saturday, I went to do my tax declaration and its going to cost me $70 right there, not to include what I will need to pay extra in taxes, I am getting ready to pay an extra $800. It will be ready in 2 weeks. And in 2 weeks I will get another paycheck. Money is flying away but its not a bad thing.  

Stay tune to find out if I will get my cash from Shoppers Drug Mart - not time to write more unfortunately.

Shoppers Drug Mart acquisition by Loblaws to be completed to March 28th

It took a very long time, but it will finally happen. The Competitive Bureau approved Shoppes Drug Mart acquisition by Loblaws. I had picked the maximum of cash option way back, and I hope to get a few thousands in cash - maybe 3 if I am lucky - and only, please, a few Loblaws share. This remind me of the TSX acquisition deal. At the time, I had picked a maximum cash option too, and I was left with only a few TMX shares - which I don't mind holding now. Those shares are there to remind me of the shit deal - bankers holding on to the end to the Canadian stock market. And now, after selling the TSX to bankers, Thomas Kloet, certainly all proud of his accomplishments, is now calling for retirement. Happy retirement, loser! Bye bye, go retire to North Korea Thomas Kloet please, where you really belong.

I wouldn't mind to hold a few Loblaws shares - there will be no more SC shares when this come to real. This move will help me to lower the usage of my margin. I am currently at $72 687.86 on my margin. It would be nice to get it lower eventually. But with a margin at of more 70k, I have a long way to go before it get paid off. However, it never been a preoccupation of mine. What I do care is to keep my margin under control. Currently, I only have left 5k of unused money margin. Its not a lot. To keep things nicely secure, I need to inject 5k - and 10k would be actually much better to keep my margin secure and safer. But 10k is quite an amount, you understand, so I have fix myself to only 6k.

I own less than 4k on my student loan and its a complete shame not to pay it off. So here is the deal, I only need $9 634 to inject 6k on my margin and $3 634 to pay off my student loan. With 9 months left to go for 2014, I can do both of those things with $1 070.44 per month. So now you know what will happen for the next 9 months. I could deliver a baby in the next 9 months if I get pregnant like NOW. That's not going to happen anytime soon. I wish to get pregnant in my forties only, when all of my sexy youth be wild done and I guess that at that time, I will have nothing better to do than changing diapers, doing laundry, and cleaning, cooking and so on and on. Later please, only later and even never, I wouldn't mind.

I used to have some cash lying in my bank account - years ago. I only keep the minimum required in there now. I may be able to find a 2k to remain in my banking account so I can be just like in the old days and that way I won't have any banking fees. I don't have any cash and before putting any more money down to my student loan or margin, I would very much keep a 1k for each of my 2 banking accounts - that would make 2k.

Following what, a 6k payment on my margin and the repayment of my student loan...

2014 = painful year

 

     

Welcoming Spring, Investors!

Spring! Winter had been very long this year. Usually, winter in Montreal is not so bad but this year, it was like if the New Brunswick winter was in Montreal. I never went to a so cold winter in Montreal, it was quite surprising. Other than that, 2014 had been great so far. I paid off a credit line, credit cards and as you know, I only now have left my margin and student loan to pay off as debt. 

With only left $3 638.07 in student loan, paying it off is my next priority. However, before making any more extra payment on debt or whatever, I need to do my tax declaration for 2013. I certainly earn $50k this year + because I work all year long. I think I will have something like 1k or around to pay extra in taxes, and also, I probably going to have a few days of vacation for Easter in New Brunswick. 

I listen a bit to the Leaders Debate for Quebec next Prime. Nothing too much exciting. Quebeckers are paying millions for this election and the result will probably going to be the same. I don't think Liberals are strong enough to win. No Party have what it take. Legault, Couillard, Marois, David are not very interesting. And I don't find Quebec interests very interesting anyway. They are very fool selfish people and I do not belong here. Stucking in the money and one day I will be out of here.

Oh lala, I am a star

Check this out.