Dieting with Oasis NutriSolution meal replacement of Lassonde Inc. (LAS.A)

The month of March is slowly coming by and with it a better weather. This weekend temperature in Montreal allow some activities outside. With the cold weather we have this winter, I stay in more and I haven't walk as much as I regular do. So no surprise, I gain a few pounds.  There's a free public swimming pool close to where I live, but in the cold weather, I really don't feel like going swimming. I also taught of going to a gym, but I am on a budget and I really dislike the idea of spending a few hundred dollars on a gym membership - I am way smarter than that.

I used meal replacements to lose weight in the past and it work pretty well for me. I went for a walk downtown this afternoon and in my way back home, I stop by a Jean Coutu. I taught of buying some meal replacements to help me lose a few pounds while waiting for Spring to hit on. And I made an interesting discovery.

Some meal replacements taste like shit - let say it. You might not be very appeal by them. The no name brand of Shopper Drug Mart work well for me, but the taste is not very extra good, but its not disgusting. However, I discover a new meal replacement: Oasis NutriSolution. Its made with fruit juice and a few savors are available. I went with a 6 packs of wild berry at $11.99. It might feel expensive, but the product seem to be of good quality: there's no artificial flavour or colour, its gluten free and no sugar added. Each bottle of the wild berry flavor contains 230 calories - exactly what I am looking for.

When I dieting on meal replacement, I eat a normal breakfast like usual, most of the time two slice of brown bread with peanut butter. It help me stay full until 11 h. In the morning, I like to take one glass of juice to get my vitamin c for the day. And I also take a one capsule of multivitamin. 

For my day at work, I like to cut 2 apples - strangely, I don't eat apples unless they are cut in slices. I also add white mushrooms, radish all together, but I don't add any salad sauce. I also bring a one small 0% yogurt (individual portions). When I begin to feel hungry, I eat my yogurt. Later on, I will drink my meal replacement. I will eat my slices apple in the afternoon. I also like pineapple, they really help to stop the craving. I usually eat pineapple by the end of the day, to make sure I don't feel hungry while leaving work. Once home, I try not to get a heavy meal. I usually get cereal or again toasts. I walk to go to work and on my way back home. And I try to walk again in the evening. If not, I don't lose weight at all... There's unfortunately no magic trick.

And REALLY important, is to drink at least 1,5 L of water during the day - that one is hard because I am not naturally tempt to drink that much... My trick is that I make myself tea at my arrival to work and by noon, again some tea and again in the afternoon... but if I do it at least 2 times during the day, its because I tried hard.

I think the worst thing to do is not to bring lunch at work. Because than, you eat at the food court and there's plenty of salt in the food that restaurant are serving. And plenty of junk too! I am getting back on track and we'll see how it goes. I was quite please by my finding. Oasis NutriSolution is made by Lassonde Inc. (LAS.A), a company that I own inside my portfolio.

More on the JFT Strategies Fund (JFS.UN)

These days, my non-registered account is performing well these days. I closed the day at $140 687. I now have closed to $190 000 investment at TD Waterhouse. It begin to make a lot of money invested in the same spot. For that reason, I think I will apply to a RBC trading account.

Currently, RBC have that promotion, 22 free trades - or something like it - for a year. Its a great promotion. Not that I don't trust TD Waterhouse no more, its just a matter of not having too much at the same spot, in case some problems happen, like any kind of problem you can imagine of. Fraud or really anything else. 

Because if something happen at TD Waterhouse let say, and that all of my investments are made there, well, it would be quite of a stressful situation. I really think that having more than one broker account is a good precaution to have. So far, nothing happen to me at TD Waterhouse, but seeing my going slowly going up to the $200 000, its like gees, how that happen? The amount begin to be outrageously big and I don't like that.

I am probably going to open a broking account at RBC, but with that one, I won't open a margin account because we all know what happen when a girl have too much money.

Jean-François Tardif is really quiet these days so I am going to speak for him. The JFT Strategies Fund (JFS.UN) is doing as well as my portfolio these days :-) Good job Tardif.

I am now debt free

Or almost... I had paid off my CIBC Visa and BMO MasterCard. I no longer have any student debt or any credit card debt what so ever... The only debt I have is invisible. It doesn't appear on my credit score. So what is that debt? Its my margin. Even if I have a margin debt of $68 282.49, it doesn't appear ANYWHERE. And banks just keep sending credit card balance offer over and over again. It took me such a long time to pay off my debt, its not anytime soon that will enroll in a loan or any kind of debt.

Eventually, I would like to see my margin usage go under the 60k. I hold Glentel Inc. (GLN) inside my TFSA and non-registered account. Since BCE acquisition of Glentel had been approved, very soon, I should have some new cash flow.

At less than $80 per share, Royal Bank of Canada (RY) look pretty attractive. I am surprise to see that even with a TSX at 15 000 points up, RY still trade way below the $80 per share.

I am watching my expenses, like I watch movies here instead of paying $12.99 to go and I didn't purchase new clothes in a little while. And I am trying not to spend too much. My non-registered portfolio close the day at $139 904.77. Can I make it at $140 000 by the end of the week? I hope so.

Canadian National Railway Company (CNR) is paying a treat to investors

That's quite nice, Canadian National Railway Company (CNR) had increased its dividend by 25%.

And its not the only fantastic news. My non-registered portfolio closed today session at $139 408.14. I could barely believe. I hold CNR in both my TFSA and non-registered portfolio and watch out the fantastic gain. Back in October 2014, I had invested in CNR and since that time, I made more than $300 in capital gain, a 10% gain.

I was disappointed to see my precious Exchange Income Corporation (EIF) down, but its part of the game. This one is a bit more volatile. The TSX gain a few points, but no matter what, Royal Bank of Canada (RY) is also down. At this point, RY appears to be attracting.

I find it quite hilarious to read over the Internet that a household that make $120 000 is being considered "middle" class. That is certainly not a middle class history... If would make 120k a year, I would be rich, not part of the middle class. But that's where we stand. Under the Tories of Stephen Harper, a Canadian middle class salary is $120 000. Really? Will I really have to vote for Justin Trudeau for Prime Minister? Hell no.

Shake up Tories, don't make me vote for a damn Quebecker. PLEASE.

Good profit on the TSX, but for how long

Once again, its terribly cold in Montreal and New York, Boston and part of the Maritime are soon getting a heavy storm. 

My non-registered portfolio closed today session on a nice $139 515.04. I even have a left-over of $16 550.19 on my margin. I was quite surprise to have my non-registered value so high. I guess Bank of Canada rate cut of 0.25%  might play in something.

I had came with a little money plan and by the end of February, I will have my CIBC Visa and BMO MasterCard paid off. I only have left $720.85 balance on my CIBC Visa and a $1 087.39 on my BMO. Not huge amount, but it's required me a lot of effort to pay it all down. But by the end of February, it will be thing done. And by the end of March, I will have something I haven't have in a very very long time: money in the bank! I plan to leave in a 1k in my bank account to cover, at least, my monthly banking fee.

With a rate cut and multiple promotional credit card balance flying by to me, it would be quite tempting to do the exact opposite. In time like now, we could thing its the best time ever to borrow to invest, but I don't think so. There's too many people loosing their jobs. Target is closing, Mexx no longer exist (I got my hands on a Mexx purse as a souvenir...), Jacob had closed most of its store, Sony is about to close its few stores... I always found that Target was too much in the landscape. There's just too many stores out there and all those closing all came up naturally. I went to Target a few times, but it never became my favorite shopping spot. Its just sad because thousands are going to lose their jobs and I doubt that there're going to all be relocated to... Sears...

We live in a strange word were we combat terrorist by saying we defend the freedom of speech. All of the I am Charlie is all bullshit. We never live in a more depress, individualist word. A newspaper as Charlie Hebdo who published very disgusting cartoons against not only Mahomet, but Christianity  - in the name of freedom of speech - well, you know what? I am not Charlie and at the end, those journalists had what they deserved. Anyone who make fun of religion should prepare to die in horrible ways. That's is my freedom of speech. I am certainly not a Charlie asshole. I am the Dividend Girl.

RBC Visa is offering 1.99% credit card balance transfert to the Dividend Girl

Isn't funny? Just at the time that I am very desperately trying to pay off my CIBC Visa, RBC Visa had just come up with that promotion to me, 1.99% interest rate + a one time fee of 1% and that's good until October 2015. So really people. I begin to think that the providence doesn't want me to pay down my debt at all!

The timing was perfect RBC Visa, but I will pass on that one. But I have to admit, the promotion is pretty dirty attractive. But no worries, I am now really turning into that perfect sexy girl and I am really slowing down on debt. And I no longer get excited when I received a credit card balance promotional offer. OR almost.

Not to long ago, I had a 6k on a CIBC Visa at 0%. My 0% interest rate is valid until March, but that come is a hurry... I now only have a $1 500 balance on that same CIBC Visa. I found it very difficult to pay off that debt. Among the way, I even sold a stock I no longer wanted to hold inside my non-registered portfolio, Canfor Pulp Products Inc. (CFX).

I had another huge surprise today. Even now that I no longer hold CFX, my non-registered portfolio closed today session at $136 741.33, which is pretty good knowing all the yo-yo going on the stock market and the oil crash.

No matter what, I am a pretty sexy good investor.

And thank you for reading.

Getting debt free is so terribly hard

Once my payments will be process, I will only have left $1 522.85 on my CIBC Visa. The biggest part of the 6k had now be paid. And following what, I will do my best to keep me on the good road, I will do my best not to crack on 0% credit card balance transfer. But you don't have to worry, because I no longer feel tempt. Paying off my debt had been a very long painful process. I used to have an RRSP loan - remember that one? I also used to have a student loan, that's now gone too. I used to have an American Express at 0% a long time ago too... But now all those things are gone. And once my CIBC Visa will finally be paid off, I will only have left my margin as debt.

And the deal on the margin is that 67k is way too much to be paid back - or I am going to turn crazy. So deal is, no pay back on the margin never ever TD Waterhouse can kiss me.

I don't have any money left at the bank so I would eventually get a 1 to 2k there. Also, I would like to hide away something like $200 that I would hide not to say my mattress or close just in case of an emergency situation. I would like to put down around 10k on my margin to keep it safe so that I don't have to worry while I am away in places where I dn't have access to the Internet - like in somewhere like New Brunswick for example. Those of the type of things I plan to do with my money once my CIBC Visa will be paid off.

All of those things are really great, I am quickly getting rid of that 6k debt on my CIBC Visa which is currently at 0% interest rate for now. BUT, fact is, I am currently a heavy spender too. My BMO MasterCard is showing up a balance of $986.89. I pay my daily expenses using my BMO. If I buy a coffee, I buy it with my BMO MasterCard, etc. My cell phone and Internet payments also go on that card. I am pretty close to the 1k in expenses of all sort and the month of January is not even over yet...

I review my budget and stuff and my living cost shouldn't exceed the $500. That amount doesn't take in consideration my rent, cell phone and Internet bills. My overall budget is $1 210. Knowing everything I need to do with my money, I need to slim down my expenses. And that is not easy, especially while living in Montreal. I drink a lot here, I buy a lot of coffees, I eat out too often and I buy all sort of makeup and skin and hair products. Oh and nail polish. I never used completely one full nail polish bottle of my life, I just pick different colors from different brands whenever I go by a drugstore... I had been addict to nail polish my whole adult life - confession from your Dividend Girl.

Great, but if I continue to carry over my credit card, I will continue to spend like this - I know myself. So from now, I am getting a cash diet. I am giving myself $50 for the last week of January and after that, it will be a $500 every month in cash. That's what is waiting for me starting tomorrow.

At least, I got my hair and coloration done today so I will be looking good at least to begin this cash journey - just like I use to be in the old days. I was so penny wise, I can get back to my old else even if my hair are different now.

Saying goodbye to Canfor Pulp Products Inc. (CFX)

I recently note that Canfor Pulp Products Inc. (CFX) was hitting on the $14.75 mark, so at the first occasion, I jumped in - with the help of an automatic sell act - and I sell of the shares I hold of CFX at exactly the ask price, $14.75. Not that I don't believe in CFX, but currently, I only have my TD Waterhouse margin and a $6 008.85 at 0% for 6 months which will come to an end sometime in March. Right now, I really want to pay off that 6k debt as soon as possible. So I did it, I sell my Canfor Pulp Products Inc. (CFX) shares today at $14.75. All of them.

The plan to pay off my 6k CIBC Visa card is quite simple. I currently have $2 049 in my banking account. I will use 1k from my sell of CFX. I have earned $94.08 in dividend inside my TFSA. I also earned a little bonus of $813.45 at work. And I earned $530.54 in dividend inside my non-registered account. That make a total of $4 487.43, with only left $1 512.57 to pay off. But good news, with the upcoming pay check next week, I should only have left to pay, in minimum, $840.57... I really hope to get rid of that 6k debt as soon as possible. And following what, party time will be on the place! 

I will be able to invest all of my savings inside my TFSA. I will only have a margin as debt and I plan to carry on forever because $67 000 is too much money to be completely paid off.

I currently have more than $23 000 available in contribution room for that TSFA. So 2015 will be the year of the TFSA.

 

Next money move need to be decided

Its terribly cold in Montreal these days and the stock market is all rock and roll! One doesn't go without the other. And in conclusion, my non-registered hit on the 135k mark. Oil is still down, but no matter what, the TSX is still strong and exceed the 14 000 points. I stop a long time ago to try understanding the stock market. I mean how can the TSX be that high when the oil value is so low? In Canada, we depend so terribly much of our energy sector. The current situation with oil doesn't seem to have that much effect on the TSX, and that is something I really cannot understand. Its just so crazy.

But of course, its a good thing that the TSX remains independent of the oil, if not, I will be crying right now. I was stress today because I have absolutely no time to check on the market during the day. I had no clue if I could hit on Horizons BetaPro NYMEX Crude Oil Bear Plus ETF (HOD). Its busy at work and I had to do some overtime. But this is good because it cover my taxi cost rides. I hate this very cold winter, its pretty rough. You know, when you only want to go out on a Sunday afternoon but you have to stay inside because of the rain changing in ice...  than you can say it, life suck!

Personally, I was attracted to Whistler Blackcomb Holdings Inc. (WB), but I now have about 2k that will be available for investment, and I am more tempted to invest that money in Royal Bank of Canada (RY) for different reasons. First, its a money problem. If I would had like 4k to invest, I would invest in both RY and WB, but its not the case at this time. I need to be extra careful with my money right now. A part of my portfolio took an in deep hit because of a failure in oil and silver. I am actually quite surprise and amaze that my non-registered is at 135k. My next investment moves need to be made carefully. With RY, its boring, but the yield is almost at 4%. And they're good chances that RY could be a good investment that will gain in capital value in the years to come.

Other than RY, I maybe invest inside my RRSP by the end of March. I exceed the 50k in income this year again and investing inside my RRSP could help reduced my taxes. The really true reason why I need to invest inside my RRSP is because I had lost a LOT a LOT of money on the Sprott Canadian Equity Fund and I am looking to cover up the gap. And I am seriously thinking about investing that 2k inside my RRSP. The Sprott Canadian Equity Fund is quite disappointed and its really not a good investment. Jean-François Tardif with his JFT Strategies Fund (JFS.UN) is doing much better.

The last for not the least, I have to pay off my CIBC Visa by the end of March... $6 000. 

I won't be able to do it all, time will only tell what my next money will be.

In mood for some day trading? Try Horizons BetaPro NYMEX Crude Oil Bear Plus ETF (HOD)

Since oil is still going down, that is very good for the Horizons BetaPro NYMEX Crude Oil Bear Plus ETF (HOD) because it reproduce, in the opposite direction, the value of oil. So since the oil is all the way down and only seem to go lower, it could be a fantastic move to buy-and-sell HOD in a sexy hurry, in a good hit and round old fashion move. Especially if you believe, like me, that oil could go as low as $35...

Can oil go any lower? YES, YES, YES!

A Money Wise Tip: The Best Place for Cheap Grocery Shopping in Montreal is Segal’s Market

I was all ready to go out for a walk but than, it start raining. My timing was wrong. The rain didn't last too long, so I decided to go out anyway, but as I step outside, I saw the ice, the mix of rain and snow. I step out on the sidewalk, but I could see unfortunately that it wasn't really safe for walking... But outside my window at least, it was gorgeous...

See that ice? We can clearly see it on the tree facing the single window of my one and half apartment... Tomorrow, its going to be ugly on the sidewalks, that's for sure. If I see that nothing had been put on the sidewalk, I will just take a taxi to go to work. I live close to my workplace, which is the reason I live in a small apartment. I am traveling in bus enough all year round to go visit my family in New Brunswick. I want my everyday life to me as simple as possible and that include a no need to take the bus and the metro each day. Its a luxury I have for now at least.

One thing - at least :-) - that is great about living in Montreal, is that grocery shopping is much cheaper than in New Brunswick. Grocery costs are something 40% higher in New Brunswick. I already mention this grocery spot somewhere in my blog - remember its there that I spot the very pure idiot that is Amir Khadir. Story short, starting Monday, for the entire 2015, I will do my very best to cut on my expenses as much possible. And for that, I need cheap grocery.

If like me you are living in Montreal and are on a diet budget, the Segal’s Market located on 4001 St-Laurent blvd is going to save your life. Yesterday, I bough two full bad of groceries for only $26.96. From the outside, only a little sign give a notice that there's actually a grocery store in there, but its the only sign... And once your in, you'll get an in deep smell of some dry fish that Portuguese people love but I guess they are the only one because it smell really bad. I never actually saw someone picking up one of those dry fish. 

Otherwise, the spot is very great for vegetables. The grocery store supply is really diversify. Example, I got radish at $1.49, celery also at $1.49. For less than $2 a peace, I got cauliflowers. For $1/lbs I got clementines. Also for $1, I had yogurt. I guess you agree, with those prices, Segal's is the cheapest place for grocery shopping. The only thing is that they don't really sell meat. And also, bring your own grocery bags because they don't have any.If you prefer, its possible to have a grocery delivery for something like 4 bucks.

If you do the biggest of your grocery shopping there, its possible to live on $50 grocery bill per week, if not even a bit less. And this is perfect for me because 2015 will be the year that I go back to my old saving routine like it was in my early beginning investment adventures.

Happy 2015 New Year Investors!

A good way to start a new year is by doing an in deep cleaning of your stuff. I had many many papers of all sort, old magazines, etc. so I cleaned and once I was done I had like 5 garbage bags full to the top. I had some old stuff in my fridge freezer too, so I clean it up. I am now pretty much all done with cleaning and I will be good for a little while.

I went for grocery shopping earlier this afternoon. The weather is cold in Montreal, but its a good cold weather and it began to snow and it was a pretty snow. All the side of my apartment that is facing the street is quite cold. I am adding a bit of heat but otherwise, its not too bad.

Other than cleaning shit, I had been updating my portfolio and my debt. For my debt, I am looking forward to pay off that 6k I own on a 0% credit card balance transfer by March. Most horrible part is that its only in 3 months from now!

Back in 2013, my non-registered was at $133 789.88, and I closed this year at $138 078.72. Overall, I closed the year at $196 680.76. I hold $73 874.31 in debt. I am closing 2014 with a net worth of $122 806.45. Not too bad, but I found tat 2014 was a rocky year with a lot of ups and downs, extremely hard to follow and to understand. But now that gold, silver and oil are all the way down, I mean, 2015 can only go smoother... at least I hope. According to my blog, back on January 1th 2014, I had a net worth of $101 172.99. If I calculate correctly, that's a growth of close to 18%, excluding my dividend income. 2014 had been a very good year overall, but in term of investment only, I didn't enjoy the year 2014. Its been too much of misery for me watching the stock market going upside down. Its been crazy. The most devastating event of all is certainly the fall in the oil price. I still don't understand why it happen. And it seem to be there to remain.

I never been a fan of oil investment, but like any investors, I am unfortunately expose to the oil sector, more or less directly, but it had an effect on my portfolio. Earlier in 2014, my non-registered portfolio hit on somewhere in the $145 000... At $138k, I am close to the old value but still. The volatility of the stock market is very shocking. It take a good stomach to be on the stock market. Its not easy to be an investor these days, I can tell you that.

What I like about stock investment is that it expose me to all sort of industries, all sort of activities. I recently read an interesting article in the Globe and Mail. Forget about investing in RY, I found a way better, sexier stock. The name of my new marvelous? Whistler Blackcomb Holdings Inc. (WB). WB dividend yield is close to the 5% - that's very good because I NEED MONEY BABY. The stock is about a sky resort in Whistler. You got to check on Whistler - its paradise out there, in winter like in the summer. Very gorgeous landscape, AMAZING PLACE. Its the biggest sky resort in North America and it had won a price recently, number 1 sky resort for 2014.

I quickly came to this conclusion: resort in a beautiful place in summer AND winter = a pretty safe bet for my money. And its much more exciting than holding a boring bank stock! And it have a better yield too! I had update my projective dividend income for 2015. Excluding my RRSP, I will be earning $5 917.88 in dividend for the year 2015. Its still a good amount of money, enough to pay off a few trips, depending of where I want to go.

For 2015, I won't be making any resolution, but I won't like something easier as year. PLEASE.

My investment portfolio on date of December 31, 2014

On date of December 31, 2014:

Cash: $800

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.46
Bank of Nova Scotia (BNS): $7 294.10
Blue Note Mining Inc. (BNT.H): $0.46
Hanwei Energy Services (HE): $28.50
Methanex Corporation (MX): $5 472.39
Fortis Inc. (FTS): $4 245.55
Pembina Pipeline Corporation (PPL): $19 533.36
Just Energy Group Inc. (JE): $4 902.54
Pengrowth Energy Corporation (PGF): $830.30
Enbridge Income Fund Holdings Inc. (ENF): $13 577.46
Corby Distilleries Limited (CSW.A): $2 628.90
Davis + Henderson Corporation (DH): $7 896.96
Premium Brands Holdings Corporation (PBH): $10 764.90
EnCana Corporation (ECA): $3 348.80
iShares S&P/TSX Capped REIT Index (XRE): $2 467.08
Horizons Gold Yield Fund (HGY): $1 204.74
Canfor Pulp Products Inc. (CFX): $1 551.96
New Flyer Industries Inc. (NFI): $1 447.20
Exchange Income Corporation (EIF): $5 014
Colabor Group Inc. (GCL): $339.66
TMX Group Inc. (X): $402
K-Bro Linen Inc. (KBL): $4 581
Westshore Terminals Invest Corp (WTE): $6 452.52
WesternOne Inc. (WEQ): $1 174.20
First Majestic Silver Corp (FR): $583
Kinross Gold Corp (K): $490.75
TransCanada Corp (TRP): $1 421.50
Canadian National Railway Co (CNR): $7 200
Firm Capital Mortgage Investment Corporation (FC): $496
Enbridge Inc. (ENB): $1 668.52
Agrium Inc. (AGU): $2 857.40
Canadian Utilities Limited (CU): $1 718.22
Crescent Point Energy Corp (CPG): $591.36
JFT Strategies Fund (JFS.UN): $1 993.86
Black Diamond Group Ltd (BDI): $317
Emera Inc. (EMA): $965.50
Cineplex Inc. (CGX): $1 118.75
Barrick Gold Corp (ABX): $499.20
BCE Inc. (BCE): $1 170.84
Stella Jones Inc. (SJ): $650.20
Saputo Inc. (SAP): $1 395.20
Toronto-Dominion Bank (TD): $1 110
Lassonde Inc. (LAS.A): $1 300
Loblaw Companies (L): $745.08
Lumenpulse Inc. (LMP): $820
Laurentian Bank of Canada (LB): $995.80
The North West Company Inc. (NWC): $1 305.50 
Glentel Inc. (GLN): $1 506

TOTAL: $138 078.72

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $942
Cash: $4.12

TOTAL: $946.12

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $43.23
Dumont Nickel Inc. (DNI): $20.09
Sprott Physical Silver Trust UTS (PHS.U): $1 421.68
Sprott Strategic Fixed Income Fund (SFI.UN): $367.50
RioCan Real Estate Investment Trust (REI.UN): $925.05
Precious Metals and Mining Trust (MMP.UN): $338.40
Sprott Inc. (SII): $2 489.53
Data Group Inc. (DGI): $317.59
AltaGas Ltd (ALA): $1 298.70
CT Real Estate Investment Trust (CRT.UN): $1 220
National Bank of Canada (NA): $1 134.36 
Canadian National Railway Co (CNR): $3 200
Glentel Inc. (GLN): $2 259 
Cash: $87.97

TOTAL: $15 035.13

RSP investment portfolio:
Sprott Canadian Equity Fund: $2 912.31
iShares Gold Bullion Fund (CGL): $3 552.38
Emera Incorporated (EMA): $9 191.56
EnCana Corporation (ECA): $1 706.60
Sprott Physical Silver Trust UTS (PHS.U): $473.89
Toronto-Dominion Bank (TD): $1 665
Barrick Gold Corp (ABX): $624
Stella Jones Inc. (SJ): $3 251
Telus Corp (T): $2 093.50
Cash: $102.81 

CIBC Dividend Growth Fund: $724.08
CIBC Emerging Markets Index Fund: $320.41
CIBC Monthly Income Fund: $1 254.73

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

GIC National Bank: $1 289.70

Manulife Fidelity NorthStar GIF CAP B: $1 017.54
Manulife Simplicity Growth Portfolio: $1 135.47
Maritime Life CI Harbour Seg Fund: $1 255.26 
Maritime Life Fidelity True North Seg Fund: $1 427.92
Manulife GIF MLIA B World Invest: $901.42

Great-West – various: $2 539.73
Various other mutual funds: $1 355.54
Other: $987.63

TOTAL: $41 780.79

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$196 680.76

My debt situation on date of December 31, 2014

$67 865.46 at 4.25% (margin money coming from my broker account) = 

$2 884.28 in annual interest

$6 008.85 at 0% (credit card at 0% for 6 months, expired in March)

TOTAL: $73 874.31

TOTAL in annual interest: $2 884.28

[In date of December 31, 2014]

Next investment for my TFSA: Royal Bank of Canada (RY)

I came back to Montreal on Sunday night after a few days in New Brunswick. The vacation was nice. I felt bad going back to Montreal, I was like real stress out and I wasn't feeling well for no obvious reasons, if not that I didn't want to go back to work. I didn't want to go back to Montreal. I arrived at 2 am and I was working the next morning so you can imagine the sexy mess. I am doing better now.

2014 had been a rough real. Canadian stock market was a shitty very bad girl. My portfolio is doing better now. My non-registered portfolio closed today at $138 637.62, with a margin value left of more than 15k Wouuuuuhou. 

I rank up to $1 600.25 on my credit card, but I already have the cash needed to pay it off. I even have money left to also pay my rent. And after that, without even considering the next paycheck, I still have left $803. I bought a bottle of sherry AND brandy for the New Year Eve. Its doing to be quiet a bit like last year and its better this way for my budget after my episode of over-spending during Christmas season.

With this upcoming paycheck, I am going to have close to 2k available to invest and I was thinking about Royal Bank of Canada (RY). Later on, I would like to invest maybe in Alimentation Couche-Tard Inc. (ATD.B).

Hard Time for investors just before Christmas

One thing thing is sure, 2014 haven't been an easy year for investor. Lately, my non-registered portfolio hit as low as the 128k mark. On its highest ever, I hike almost 145k, also in 2014... That's very concrete volatility! Now at $130 176.91, I am doing a bit better, but its still shitty. I am all Christmas ready now, I am only missing my bus ticket and the only damn thing I really need now is a rough stock market.

Its hard to get inspired to write so I am just doing to stop here.

In New Brunswick, killing people = life prison sentence. In Quebec murder and life don't mean much

In New Brunswick, when an individual commit murder, the sentence is life prison. There's no fool play, even if the individual is completely insane and out of his mind.Quebec has its tragedy with Guy Turcotte, and we in New Brunswick got ours with Justin Bourque.

In Moncton New Brunswick on June 4th, 2014, Justin Bourque, a man in his young twenties, had killed three RCMP officers and had left two others injured. Bourque was an anarchist and in many ways, I find a connection between the murderer and Amir Khadir Quebec Solidaire group. Like all of the very dumb people of Quebec Solidaire, Jules Bourque was an anarchist, thinking that our government is oppressive. Well, to that I can only say, go live in China, Japan, or Middle East, you'll see who's being really oppressive... In Canada, its possible for men and women to have a job, live in dignity. Its possible here to make savings - something that is almost impossible to do for the middle class living in Europe and other part of the world. And best of all, we have one of the most powerful stock market of the world. What else can you need? Why an individual would kill police officers in the name of liberty?

Like Guy Turcotte, Justin Bourque is mentally ill. Both are suffering from psychological disorders.

In New Brunswick, Justin Bourque got sentence life prison. In Quebec, Guy Turcotte who had killed his two children - is currently in LIBERTY while waiting for his SECOND trial. In a society - even in my dear New Brunswick - there's f up people. But problems are very major when its the whole provincial system that is all mess up. Quebec province is showing multiple signs of failure and I am only prouder to be a New Brunswicker. Because in New Brunswick, we know how to treat murderer. We don't need to give a second trial to make people understand that taking the life of other is WRONG. At least, it is being seen that way in New Brunswick.

I don't feel safe living in Quebec because I know the system doesn't work in favor of its citizen. And its for that reason that I still have my New Brunswick health card. If I would become seriously ill, I will go to New Brunswick. Quebec institutions, including hospitals, are all insane and corrupt. And that doesn't matter if in Quebec tax are higher than in the rest in Canada. It doesn't matter because Quebeckers don't care on how much corruptible their system is. Where the money of my tax goes? It goes in the pocket of a government that doesn't do is duty. It goes in the pocket of doctor who don't do their best to cover the minimum care required for the population.

If I am never sick and I am in good health condition - I have this because I am not being followed by the Quebec health system. Hospitals, doctors waiting room are not getting sufficient proper cleaning. By going there, you expose yourself to high dose of risks. Also, doctors in Quebec are tempt to make their patients goes on all kind of check up just so they can get a higher pay. They are corrupted. They are not there to look on your health.

Its really important for immigrants and outsiders to look for themselves while living in Quebec and take all precautions needed because Quebeckers are very dangerous and corruptible people. Make a lot of saving, invest in your TFSA and the sooner you'll be leaving the better it is. Because a tragedy like the one of Guy Turcotte can happen to anyone. No one can go and say mental illness won't ever affect them directly or indirectly. And in Quebec, since the system is shit, individuals are not protect. Our rights are not being respected. And its why Quebec isn't a real part of Canada and it will never be consider for me being a Canadian land. Because Quebec doesn't what it is to be Canadian. Quebec doesn't know what it mean to protect the rights of individuals. The right to health care and the right to be treat equally in front of the law. When the base of a society is not being respected, how do you expect its people to do well? We are currently assisting to the destruction of Quebec society. Institutions are falling apart, law system is not clear and straight forward. In result, it gave situations that are being post in the everyday press. Two little children being kill? Well,its too bad, but in Quebec, the system does not heavily punish that.

In time like these, its time to be even prouder for New Brunswickers to be who we are and for Canadians, its time to push for our nation and our protection. As a nation, we need to protect our democracy and way of living. And its for those reasons that I am totally in favor of any kind of global surveillance programs. The government has the right to be oppressive in a certain way to protect our own interest. If you are a normal citizen, you should mind that the government check on your bank account, trading account. Listening to my calls, checking out on my Internet activities? GO AHEAD. We should allow stuff like that to be check. Its a case of protecting our liberty to spot the bad people from the good ones. If surveillance program can help in any ways to prevent murderer and any other bad actions to happen, as Canadians, we can only be happy and in favor of such spying activities. If you are not criminals, your daily activities being monitor shouldn't be a pain in the ass. Somebody out there is watching and its absolutely AWESOME.

The countries that are currently protecting the traitors Julian Paul Assange and Edward Snowden should be severely punish. And I hope the US will capture them and sentenced them to life sentence. Because giving away confidential information to the press, to ANYONE and everyone - including terrorists is an act of murderer.

I want to say goodbye to Canfor Pulp Products Inc. (CFX)

Another catastrophic day on the Canadian stock market. The TSX lost close to 300 points. But surprise, my portfolio didn't take a hit at all - for once!!! I hope I will get the same kind of luck next time.

My non-registered portfolio closed at $135 307.47. Enbridge went up closed to 8% today. I hold both Enbridge Income Fund Holdings Inc. (ENF) and Enbridge Inc. (ENB) inside my non-registered portfolio. So that really help my portfolio to take the hit on stuff that are really hurting... like Black Diamond Group Ltd. (BDI) for example. BDI announced a really nice 27 millions that we recently got, but that didn't help. BDI title lost $3 per share today! This is hard because BDI is exactly the kind of stock that I like.

Other kind of bad news. I rank on $1 091 on my credit card... And I didn't buy my bus ticket  for home yet. I think I am done with Christmas shopping! AH NOO! HELP.

Help could come from me selling my Canfor Pulp Products Inc. (CFX). I am now only on a lost of less than $7 on the stock. CFX had been in my portfolio since 2011. Back in the "old days", CFX was paying a super big juicy dividend. The dividend had been  cut and following what, CFX value drop, but its now slowly getting back to the same value as it was back in... 2011. I have to say, I had been more than patient on that one so trust me, I deserve to sell it, even if its only to pay off my credit card.

The National Student Loans Service Centre (NSLSC) is trying to fool the Dividend Girl

Yesterday, I received a letter from the National Student Loans Service Centre (NSLSC) saying that yeah, I had paid off my student loan, BUT I could get a revision and I could need to pay more on the loan upon verification. Come on now! If the student loan is not even able to calculate up front what I own them, well you know what, they can eat whatever they want but they won't get a penny more from me. 

On an happier note, my non-registered portfolio closed today at $135 812.42 - which is good because yesterday, it closed at 132k.... Currently, Canfor Pulp Products Inc. (CFX) is doing great. I am only experiencing a lost of $28 on this one. The road had been rough and tough for CFX, a bit like NFI actually. And even like EIF. I am still having trouble with BDI - so oooo awful. I am in real down with FR. But some other stocks are making the 135k mark possible. Like PPL, CNR etc...

Jean Béliveau died today. I am not a hockey fan, but there was certainly a good aura around Jean Béliveau. When I was a little girl, I met him in my hometown in New Brunswick. He was going a celebrity tour with Zellers - signing free autographs - and I got my autograph of Jean Béliveau and I still remember it clearly today because it was very moving and Béliveau was charming and just happy to be there in my very small tiny New Brunswick town. Its quite unbelievable. There's no such fantastic star in the hockey today. The only Quebec star that I truly liked for reasons I don't really know has died.

In case you don't know this one, you can check on interactivebrokers.com and I was told by a reader that margin was something like 2.5%. Could worth it to check it out.

Welcome in my non-registered and TFSA portfolio Glentel Inc. (GLN)!

The stock market is very hard these days. Gold and silver, as well as oil are all the way down, creating a difficult climate for investing. Nothing is easy these days. In the circumstances, I guess that my portfolio is doing ok.

 

This pas Friday, I learned that BCE is going to acquired Glentel Inc. (GLN). For the acquisition, BCE ill give a mix of $26.50 per GLN share and a mix of BCE share. When I learned he news, LN was trading at $25.90 so I jumped in. I bought some Glendel Inc. (GLN) inside my TFSA - since I had over 2k in cash being to be invest in whatever I wanted. I also made a small investment inside my non-registered account.

 

The deal should go through in the first quarter of 2015 from what I understand. I guess I will be receiving a voting paper soon. And if so, I will go with the option for a maximum of cash. At the most, I will be making a bit more than $60 after commission fees with those 2 investments move. Not much. If you have some cash hidden somewhere, you may like to jump in Glentel Inc. (GLN) now because its will probably trade lower than $25.90 this upcoming Monday. You won't be able to say that I never give great investment tips on this blog!

So go get your hands on some Glentel Inc. (GLN) stocks now before its too late!

My pot of gold: Canadian National Railway Co (CNR)

Back on October 23, I invested in Canadian National Railway Co (CNR) in my TFSA. That was just a month ago. In that short amount time, CNR had increased of 10.21% in value, resulting in a nice capital gain of $312.41. And of course, I am looking forward for even more. This is how to get rich on one stock and CNR is among my favorite of all.

 

Canadian National Railway Co (CNR) is definitively a very great stock to hold, but I cannot but my "eggs" (from a female investor, that sound katchy) in the same spot.

 

Currently, I have $2 369.84 in cash inside my TFSA. I got a bit more than $900 coming from my sell of Chorus Aviation Inc. (CHR.B). With the number of stocks that I hold to in my portfolio, I do my best to track down everything but sometimes, it happen that I miss something. And currently, my unit of Healthlease Properties Real Estate Investment Trust (HLP.UN) had been sold. That used to be a stock that was suggested by Jean-François Tardif. I don't remember getting any notice for this. But anyway, Healthlease Properties Real Estate Investment Trust (HLP.UN) had been delisted from the TSX and in result, my shares got sold out. I am not upset, but its now harder to get on a good reliable company paying something decent in term of dividend. Of well, HLP.UN was good for the time it last.

 

Remember that I have a $6 136.85 on my CIBC Visa (0% for 6 months)? 6k is quite a lot of money and the idea that cam to mind was to put the money on that debt. But tomorrow is Black Friday and shopping could be on the way.

Quebec Municipal workers wrong interpretation of the "Grand Dérangement"

There are many things that I don't like while having to live in Montreal. The worst is the stupidity of Quebeckers, their . Like real clowns, some Quebec municipal workers strike today and they have name their mobilization "Grand Dérangement". However, using the wordings of "Grand Dérangement" is unappropriated on the name of every single Acadians still living today in the heritage of a very dark chapter of not only Acadian story, but also Canadian history.

 

Personally, I think those Quebeckers only have what they deserve. After all, don't be tempt ever to say that Quebeckers, generally speaking, are not very honest people. After all, what could you expect from a province who still have an active political sovereign party, Bloc Quebecois. And what to say about Pierre Karl Péladeau who remain a shareholder of Quebecor Inc. even while being an MNA. But on another note, a sad one - and I know its very mean to come with such things but it really express what I think about Quebeckers - how can Guy Turcotte who had murdered his two children and still be left free after a first trial? Why does he has to go in court again? He had killed his two children! Do you have a feeling now of Quebec nonsense?

 

Everything is link together, no matter what. The Quebec of today reflect the behavior of Quebeckers. And today, Quebeckers had steal a piece of Acadian history to defend their own benefits. The history of Acadian is complex and long, its not something can be very well presented in a few lines like that, but to make history short, in 1755, Acadian got expulsed from their land by the British. Many had dies in the process and some had been deported for as far as Louisiana. Many Acadians had moved in the North of New Brunswick, but there, they had to rebuild everything.

 

The "Grand Dérangement" happened a long time ago, but I think that even today, deep inside New Brunswickers of today, those who still live in New Brunswick and are French, still live with something remaining of that history. New Brunswick is of course of its time, but there's still a lot of poverty and if it wouldn't be of the deportation, we can easily imagine a New Brunswick that could be in better position today.

 

The terms "Grand Dérangement" shouldn't be use in Quebec municipal workers case. Once again, Quebeckers are acting like the real assholes that they truly are.