Air Miles got rid of the Orleans Express travel certificate

I used to order some travel certificate with Air Miles. I travel by bus a couple of times a year to visit my family in New Brunswick. I only had one travel certificate left so I taught about ordering some this evening but unfortunately for me, Air Miles no longer offer the 40% travel certificate for Orleans Express and it kind of suck, oh yeah - especially knowing that I only have one travel certificate left.

For only 50 miles, I could get a 40% rebate on my bus ticket. I used to save I guess around $40-$50 per 2 ways ticket so I am very disappointed. I had been ordering those for many years now, but the fun had come to an end and I am not very interested by the Air Miles anymore because it was my only interest. So I guess I can finally stop using my BMO MasterCard and switch to another card. I will need to check on the options.

Turning 34 in 27 days so be ready

Unfortunately, my non-registered portfolio pull back to the 137k value. Despite everything I wanted for my portfolio, I didn't buy anything else and its probably the best decision I could take. After reading and reading again about an upcoming correction, I began to think it was all a joke... but maybe not after all!

Time is passing by too quickly, the month of July is already gone and in 27 days, I will be turning 34... what about that? I already bought myself one of my first birthday gift - a little necklace I bought at La Baie downtown tonight. I probably give you a picture of it later on.

Knowing how rough its going to be on the market - its already rough - I probably going to try to concentrate on paying of my student loan and I will try to leave a 1k on each of my bank accounts to get rid of the fee. To do so, I just need a bit than a $5 000 - almost nothing at all. I would be nice to clear my student loan debt before I hit... 35. That will be next YEAR.

My new necklace is very pretty, I will wear it tomorrow. And tomorrow is FRIDAY thanks you God for another summer weekend.

My experience at Au Pied de Cochon Food Truck

For the really first time ever, my non-registered portfolio pop the 138k mark! I closed today session at a good $138 253.16. The $140 000 portfolio is not too far away. I didn't know that until now, but let say I celebrate the big boom at Au Pied de Cochon! 

I watch a TV show last night, Les Chefs at Radio Canada. Its a French Quebec TV show were cooks compete between each other. And the special guest was Martin Picard, who run Au Pied de Cochon. Yesterday, the cooks had to do a poutine au foie gras and a twist hot dog home made. It was fun to match and it gave me the idea - I guess like many others - to check on where could be the Au Pied de Cochon food truck today. They have Facebook page where they display their schedule and emplacement. Today, the food truck was at McCord Museum right downtown, the perfect and easy location.

I order a number 2 special but unfortunately for me, they didn't have any Maple soda - I had to switch for a bottle of water - and they didn't have any petite bricohe sucrée (that's a dessert) - I had an unwanted switch to the oreilles de crisse... And I also had a poutine au foie gras (wanted) and something they call a verrat (kind of a pogo that come with a sauce of your choice - I had picked cheddar). The poutine au foie gras came in a small portion - but was very good. All together, the meal was quite heavy.

I am very curious about the maple soda and the brioche sucrée of Gabrielle, so I guess I will have to go back by the end of the summer, and I will try to take a few pictures at the same time.

Could Input Capital Corp. (INP) be my next fabulous?

My non-registered portfolio complete the day at $137 948.72 - so close of the $138 000, its amazing. Lately, I chat a bit on ways to make easy money quick and easy, one way, with Lumenpulse Inc. (LMP), the other way, on JFS.UN. Great, but something catch my attention today on the Financial Post.

There was that article about Input Capital Corp. (INP). Basically what the article say is that INP could easily double in value in a small amount of time... After reading about Input Capital Corp. (INP), I began to feel the say way I did for Lumenpulse Inc. (LMP) a little way back - a must have for quick easy cold cash. INP have something like 6 ranks Buy at TD Waterhouse.

I find Input Capital Corp. (INP) quite interesting. When you hear the name, you could think oh no, not another mutual fund company! But no-no-no. Input Capital is a bank for farmers. They help friendly farmers to expand their business and stuff. Sound interesting? Oh yeah!

Lumenpulse Inc. (LMP): the new Quebec gold mine

My non-registered portfolio hit on the $137 447.52 value today. I have more than 15k left on my margin and I am very tempted by investing a 2k inside my TFSA. I previously explain how I made $500 on JFT Strategies Fund (JFS.UN). For my next investment move inside TFSA, I am still interested by JFT Strategies Fund (JFS.UN), but for now, I have a different plan.

Currently, the Canadian stock market is a real summer paradise. My portfolios are performing well, great dividend and great capital gain overall. For now, the stock market is easy. Its the perfect time to move forward into a brand new investment plan. JFT Strategies Fund (JFS.UN) will always be hot, but right now, I want to make quick and easy cash.

I first invested in Lumenpulse Inc. (LMP) back in late April of this year and not even 3 months later, I made $111 on my investment. If I can make $100 every 3 months on LMP, I will be very happy. It may not be the case, but I think LMP is on a good position to bring generous cash to investors like the Dividend Girl if you see what I mean.

No one can know for sure, but I think that Lumenpulse Inc. (LMP) is a safe bet. With no dividend distribution, LMP can only be trade for the real cold cash.

Make some easy money by investing in the JFT Strategies Fund (JFS.UN)

Getting back to work after a vacation is always very hard. I find it awful to go back in the beat after a week. And even worst after a 2 weeks break, but its how it is for now. But no job mean no money and I need all the money of the world, especially now. I keep reading a bit everywhere about the probability of a stock market crash, a deep correction that could take away 25-30% of the current market value. I had been reading such news for a little while now. With my last paycheck, I had a $1 400 available and I decided to put the cash away to decrease my margin a bit. When the market crash, I hope to get my hands on cheaper stock.

At this point, its not too hard to control myself not to invest in anything because I didn't have any new investment in mind. When I saw I had a $1 400 available I wanted at first to transfer that money + $600 from my margin over my TFSA and make a 2k investment in the fabulous JFT Strategies Fund (JFS.UN).

I had been holding on to some units of JFT Strategies Fund (JFS.UN) since its initial public offering. I first heard of Jean-François Tardif a few years ago when he was still working at Sprott and of course, his performance on the stock market is what got me. And not too long after that, Tardif retired. During that time, I knew he wasn't going to stay away for long. When you had taste glamorous performances, interviews and everything else, can you really stay away from that for long? My answer to that had always be no. When you are a good fund manager, a real one remain in maybe not for life, but for a veryyy long time. The waiting time had been long, but when I learned that my Jean-François was coming back, it didn't take me long to call TD Waterhouse and jump in the IPO of JFT Strategies Fund (JFS.UN). Just sooo terribly smart move!

This time was more interesting to me because when Tardif was at Sprott, the fund he was managing wasn't accessible to small investors: it took $100 000 to enter into his fund. Now, everything is different and JFS.UN is better than any high fund or mutual funds because its easily accessible to any type of investors on the stock market. You can buy and sell some JFT Strategies Fund (JFS.UN) units anytime when the Canadian stock market is open. And I love that accessibility and it match perfectly well Tardif persona.

In a certain way, Jean-François Tardif shares a lot of things with Francis Chou. You won't read a lot about them, both are really not stars wanna be like Eric Sprott, but both are sooo mucch better than Eric Sprott in so many ways! F gold and silver.

Funny thing is that I almost the only blogger who keep writing about Jean-François Tardif so when I try to find out on Google if anything is new about him, well most of the time, I hit on my very own blog in my search results and it make me laugh every time. aha!

The JFT Strategies Fund (JFS.UN) doesn't pay any dividend but that doesn't really matter. I had explained already how I made $500 after commission on JFS.UN. But I am going to explain again to make sure everyone can understand how you can make $500 by $500 without having to do much.

The key is capital gain. But first, you have to know a bit of Jean-François Tardif history. When he was at Sprott, his fund was among the top performer in Canada and the crash of 2008 didn't change that. So what you got by investing in JFS.UN is precious. Not too much managers can exceed the TSX performances and not many of them have the power to protect the value of the money during rough time, and rough time could be ahead soon in a couple of months or less.

So this is how to make big bucks on the JFT Strategies Fund (JFS.UN). Try to get together a $2 010, get the money transfer if possible into your TFSA. By for 2k worth of JFS.UN units. Wait until the investment hit on $2 510. And when it does, sell for $500 value of JFS.UN units. Don't sell the initial 2k investment, that's your investment cash cow money. Repeat the operation every single time your JFS.UN invesment hit on the $2 510 value. Et voilà, that's how to benefit from the JFT Strategies Fund (JFS.UN). And the benefits are better inside the TFSA.

In my case, I made the operation inside my non-registered portfolio. I will have a bit of tax to pay, but i spend a bit during my vacations and I was in need of money. I would love to invest a 2k in JFS.UN inside my TFSA, but right now, my non-registered portfolio seem to be on a decreasing value and I am a bit scare for my margin.

On the other hand, I have $15 000 available on my credit lines and I could - like I did before, transfer some credit line money over my margin and get it back in the credit line one the market close... I did it before, so I can do it again right?

As you can see, I am not done dealing with my demons.

And Jean-François Tardif is my demon so stay tune because you can't really know what could happen next. Watch for it.

Thank you for the free cash Jean-François Tardif

Once again, the automatic sell order I had set up at TD Waterhouse didn't go through and I am quite upset about it - I will explain why. Anyhow, since I am in vacation, I just watch at the  JFT Strategies Fund (JFS.UN) value now on TMX.com since TD Waterhouse is not reliable and tadammm... it was at $12.55. THANK YOU Jean-François Tardif for the "free" labor! I have to say that currently, TD Waterhouse is giving the value of $12.55 per unit to our famous JFS.UN. I once wrote that I was using Jean-François Tardif as cash cow and that's what I did. I wouldn't mind to use him as lover as well but that's something else.

Anyway, noticing that JFS.UN was at $12.55 on both platform, I look at my account activity but the order wasn't going through!!!! So I cancel the automatic sell order, went back in my account activity to see if it had went through anyway.. and no... so I made a sell order at the market for a few units (41 actually) of JFT Strategies Fund (JFS.UN) and the order went through right away!

What happen?

Its not that TD Waterhouse is that of a shitty broker --- its the Dividend Girl who is a shitty investor lol

Its because the bid was at $12.51 - the selling price. I sell at $12.51 and I am really happy because I had ranked with over $1k on my credit card and the $500 I collect today will help me to pay for all of my outrageous vacation spending. 

My mom is enjoying her stay and she's currently cooking lunch. She needs to come more often ;-)

JFT Strategies Fund (JFS.UN) hitting on the $12.54

The weather is quite hot these days in Montreal in the same week that my mom is visiting. I renew my sell order for a couple units of JFT Strategies Fund (JFS.UN) at $12.55. And today was so close! JFS.UN hit on the $12.54 per unit. I am just very tempted to change my order to $12.54 and get my hands on $500. It will only happen if JFS.UN hit on the $12.54. But $12.54 work as well. At a one cent different, its not that of a difference. So I decided to modify my sell order to $12.54.

All this is very strange but if I check JFS.UN value over my TD Waterhouse account, according to TD Waterhouse, JFS.UN hit on the $12.55 today... but its not the case when I check on the TSX.com Web site... I pay a commission fee of $9.99 per sell, and per buy moves at TD Waterhouse, but they cannot even come and provide me accurate data for today highest value of JFT Strategies Fund (JFS.UN). Its kind of shitty knowing that a free Web site (tmx.com) provide more accurate data than TD Waterhouse.. Something is wrong. 

TD Waterhouse suck and this time suck for real.

Wanna say goodbye to Sprott Inc. (SII) 4ever

I just came back from a short vacations (pictures should follow in next post) and the TSX ost 100 points today. My non-registered portfolio is at $136 592.08, it didn't bother much, but if the TSX go lower, I will do lower too.

There's been a halt trading apply on Sprott Inc. (SII). From what I understand, someone somewhere is looking to buy for 60 millions worth of Sprott Inc. (SII). Could Sprott Inc. (SII) hit on the $10 per share like in the old days? Hummm... maybe. I try to place a sell order for $10 per stock but TD Waterhouse didn't want to take the value saying the price difference between the current less than $4 per share and my expected $10 was too high. That stupid TD Waterhouse broker is costing me a f $ 9.99 per operation and the f system doesn't want to execute my orders.

My mom is coming to Montreal soon and I already have enough of that family things. For what I have left as vacations, I want the days all for myself with no one to visit and chat because I have too. it begin to make too much of proximity for my taste.

I am f selfish rich bitch. And rich bitch only get richer. f

lol

In the sunshine, the TSX hit the 15 000 marks

This morning, I found a $5 buck on the ground. It was there in the ground waiting for me. I couldn't believe my eyes!!! But there was other people around. It seem I am the only one looking at the sidewalks for money.. So I got my morning coffee for free. I once find 2 bills of $20 that way outside a bar. It was my happiest find ever. I find $5 sometimes and other times I find metro passes. And I also pick the 25 quarters that hit my road, but I never move for a one cent black penny. I wish I could find a $5 bucks every single day and get my morning coffee for free.

My non-registered portfolio is now at $137 358.53 and my margin value left exceed the 14k. Is there anything else I could ask for? I got a bitch fired at work, but it wasn't intentional from my part. It just the circumstances that happen that way. And it make something to write about. I didn't update my dividend income in a little while. And here its why.

After work I go home, get change, eat, generally cereals and I go do my walking on the Mont-Royal. I walk all the way to the top and I walk back. It make a 2 hours and 30 minutes quick walk. The first few times was hard but now its getting easier and I like to be in the woods like the city was no where close. There's so many people jogging and men just willing to show it all, its unbelievable.

Now that the TSX is hitting over the 15 000 marks for good, I am having some wet dreams about if I will be losing it again.

$137 514.25

Its hard to believe, but my non-registered portfolio is hitting on the $137 514.25, leaving me with a nice 

$14 024.09 value on my margin, very close to the 15k mark I need to feel somewhat secure about my margin. I am getting ready to spend a few days away of the outrageous city of Montreal. I got my hair  cut this evening just after I bought my bus ticket and my curly hair are outrageous soft. 

The weather was hot in Montreal today, but even without air conditioner, I am not too bad. A cold beer just do the thing and a shower tomorrow morning but a shower alone, unfortunately. My sex appeal doesn't work over Quebec males because I hate Quebec too much, unfortunately. I am full of shit and men can feel that, deeply under the skin, there's the shit. lol

I am over impress by my portfolio value. The TSX just continue exceeding the 15 000 points, making me feel crazy like in 2008, back in the time when I was just a hot 28 years old. But I like my life better at 33 because I am richer. I just hope to be still wrinkles free by the time I am 33.

Its even hard to believe that one day my non-registered portfolio will be at 140k but shit use to happen, what is meant to be will just happen and one day, Quebec province will just be a souvenir. A bad one.

Welcome in my non-registered portfolio North West Company Inc (NWC)

I like everything related to the energy sector, the North Territory, the Wild West and of course, home, the Maritime. And welcoming North West Company Inc (NWC) in my portfolio this past Friday was quite rewarding. But after this new investment, once again, I am not quite sure that will be my next investment. I am thinking of getting back on a DRIP on everything, but I enjoy getting the dividend money in cash each month so that will represent quite of a sacrifice. But I plan to do so.

This past Friday, the TSX pop up the 15 000 points, just like where we were back in 2008. Will the stock market crash again anytime soon, like if the 15 000 mark is the mark of the Devil, of the capitalist many failures. And when I think of 2008, I cannot help it but getting back into that same state of mind of when my portfolio hit on the ground as the TSX was losing points like crazy... I didn't have any problem about moving on, I felt an urgent need to invest more to cover up the mess. I was upset that it had to happen just when I was jumping into stocks, just shortly after I began working on a stock portfolio. If a crash would need to happen again, I would just repeat the same thing; invest even more because in a crash, its the best way to face off and capitalist is such a bitch that it win every time.

My non-registered portfolio is at $135 786, with $13 364.60 left on my margin. I very tempt to transfer my National Bank stocks over my non-registered. To keep the fun safe, I need a 15k margin left, and if possible even more but a 15k is much more what I am looking for. Just a 2k is needed. I feel the obligation to protect my margin in case a crash happen, or even just a tiny correction.

I don't like that TSX at 15 000 points because it make me think too  much.

My investment portfolio on date of June 14, 2014

Non registered Investments:
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.22
Blue Note Mining (BNT.H): $2
Bank of Nova Scotia (BNS): $7 755
Hanwei Energy Services (HE): $19.50
Methanex Corporation (MX): $6 813.45
Fortis Inc. (FTS): $3 459.66
Pembina Pipeline Corporation (PPL): $20 619.06
Just Energy Group Inc. (JE): $4 878.27
Pengrowth Energy Corporation (PGF): $1 720.4
Enbridge Income Fund Holdings Inc. (ENF): $9 406.54
Corby Distilleries Limited (CDL.A): $2 403.50
Davis + Henderson Corporation (DH): $6 752.16
Premium Brands Holdings Corporation (PBH): $9 648.54
EnCana Corporation (ECA): $5 512
iShares S&P/TSX Capped REIT Index (XRE): $2 494.80
Horizons Gold Yield Fund (HGY): $1 302.03
Canfor Pulp Products Inc. (CFX): $1 315.44
New Flyer Industries Inc. (NFI): $1 312.20
Exchange Income Corporation (EIF): $4 922.44
Colabor Group Inc. (GCL): $381.48
TMX Group Inc. (X): $472.16
K-Bro Linen Inc. (KBL): $3 842
Westshore Terminals Invest Corp (WTE): $6 681
WesternOne Inc. (WEQ): $3 074.20
First Majestic Silver Corp (FR): $1 039
Kinross Gold Corp (K): $673.46
TransCanada Corp (TRP): $1 272
Canadian National Railway Co (CNR): $6 111.90
Firm Capital Mortgage Investment Corporation (FC): $492.40
Enbridge Inc. (ENB): $1 429.68
Agrium Inc. (AGU): $2 557.36
Canadian Utilities Limited (CU): $1 654.80
Crescent Point Energy Corp (CPG): $1 031.36
JFT Strategies Fund (JFS.UN): $2 480
Geovencap Inc. (GOV.H): $0.40
Black Diamond Group Ltd (BDI): $857.75
Emera Inc. (EMA): $843.75
Cineplex Inc. (CGX): $1 023.75
Barrick Gold Corp (ABX): $734.80
BCE Inc. (BCE): $1 086.80
Stella Jones Inc. (SJ): $619.80
Saputo Inc. (SAP): $1 237.40
Toronto-Dominion Bank (TD): $1 083.40
Lassonde Inc. (LAS.A): $1 090.20
Loblaw Companies (L): $567.72
Lumenpulse Inc. (LMP): $955

(LB): $983.20

(NWC): $1 172.50

TOTAL: $135 786.48

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 227.74
Cash: $4.12

TOTAL: $1 231.86

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $36.06
Dumont Nickel Inc. (DNI): $115
Sprott Physical Silver Trust UTS (PHS.U): $1 733.27
Sprott Strategic Fixed Income Fund (SFI.UN): $371.50
Healthlease Properties Real Estate Investment Trust (HLP.UN): 
$1 045
RioCan Real Estate Investment Trust (REI.UN): $967.37
Precious Metals and Mining Trust (MMP.UN): $498.60
Sprott Inc. (SII): $3 460.55
Chorus Aviation Inc. (CHR.B): $644.28
Data Group Inc. (DGI): $551.42
AltaGas Ltd (ALA): $1 473.90
CT Real Estate Investment Trust (CRT.UN): $1 119

National Bank of Canada (NA): $1 059.61

Cash: $77.74

TOTAL: $13 125.68

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 399.59
iShares Gold Bullion Fund (CGL): $3 836.30
Emera Incorporated (EMA): $7 897.50
EnCana Corporation (ECA): $2 809
Sprott Physical Silver Trust UTS (PHS.U): $577.76
Toronto-Dominion Bank (TD): $1 625.10
Barrick Gold Corp (ABX): $918.50
Stella Jones Inc. (SJ): $3 099
Telus Corp (T): $2 065.50
Tim Hortons (THI): $590

Cash: $290.60

CIBC Dividend Growth Fund: $725.56
CIBC Emerging Markets Index Fund: $327.23
CIBC Monthly Income Fund: $1 270.83

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

GIC National Bank: $1 274.70

Manulife Fidelity NorthStar GIF CAP B: $1 351.38
Manulife Simplicity Growth Portfolio: $1 103.69
Maritime Life CI Harbour Seg Fund: $1 257.70
Maritime Life Fidelity True North Seg Fund: $977.02
Manulife GIF MLIA B World Invest: $912.90

Great-West – various: $2 378.61

Various other mutual funds: $1 333.07

TOTAL: $41 100.90

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP + Online Income ($100):

$191 344.92

My deb situation on date of June 14, 2014

$68 822.82 at 4.25% (margin money coming from my broker account) = 
$2 924.97 in annual interest

$3 392.20 at low interest rate loan at 5.50% (student loan) = 

$186.57 in annual interest

TOTAL: $72 215.02

TOTAL in annual interest: $3 111.54

[In date of June 14, 2014]

Revenu Québec said no Solidarity Tax Credit for the Dividend Girl

I received lately another letter from Revenu Québec. Almost as much shitty than the previous one. This time, they wanted to let me know that I won't received any money coming from the Solidarity Tax Credit (and they name it "Solidarity")... Quebec is a province full of shit.

My non-registered is poping up to the $134 435.21. I have left $12 093.76 on my margin. This is huge, but for how long? The TSX is close to the 15 000 points. I keep reading a bit everywhere about a huge market crash coming up. If it happen, I won't have much cash to save my margin, but I have mountains available in credit lines. And also a new investment coming up tomorrow! 

Exchange Income Corp (EIF) is now trading back in positive territory and I couldn't be happier. I am desperately trying to sell a few units of my JFT Strategies Fund (JFS.UN) at $12.55... It went there before, maybe it can make a comeback and give me a few hundred dollars. What do you think?

I am also very proud of my New Flyer Industries Inc. (NFI). It seem like I won't have to worry about that one from now on like many other stocks that I hold, the list is long.

Tomorrow, a new investment will be from my non-registered portfolio, Quebec shit or not.

Revenu Québec is still on the back of the Dividend Girl

At now less than $6 per share, Just Energy Group Inc. (JE) now trade among its lowest ever. But despite it all, my non-registered portfolio is at $133 700. I kind of have no choice to put in more money into my non-registered account to stabilize the value of my margin. In two weeks from now, my next investment will be a $1 500 in The North West Company Inc. (NWC).

Currently, I am waiting for JFT Strategies Fund (JFS.UN) to pop back to $12.55 per share to sell for $514.55 in units of JFS.UN. A $500 is not that much money knowing everything I want. I would like to put money aside to move in another apartment and for a few furniture... And I would like to put money aside for my vacations. So see, $500 won't be enough. And with JE going down, I need to be careful with my money to keep my portfolio on track.

I sometime think of getting a part-time job but I am too weak, I adore my free-time, especially when I am on the mountain of Mont-Royal watching hot guys doing their jogging. Ant-Quebec, but maybe not anti-Quebec males if you see what I mean.

I have received a letter from Revenu Québec saying that I didn't do my tax declaration in 2011.... Dear Dividend Girl Readers, you know that right, I was in New Brunswick in 2011! WTF Revenu Québec, eat your own caca please.

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.