TSX taking a hit low down, market looking like something brown once again

A TSX at more than 15 000 points, my non-registered portfolio happily popping up to the $145 000... It was just too good to last and a taste of in deep market shit is now coming to live for real. My non-registered portfolio closed today session at $138 147 and a few cents...

 

Right now is just a good to pay down my student loan and look forward to keep some cash away in my bank account. I really don't like when the market is down, it make me wanna run! BUT, its a good time to buy, and a few stocks that I currently hold could be good investment ideas at this time - like Black Diamond Group Limited (BDI).

 

Other than that I had colored my hair in a dark shade of red... if you would see me, you wouldn't even recognize me lol...

 

This post needed to finish in a positive way. 

GoodBye David Alward blue face, Hello New Prime Minister of New Brunswick Brian Gallant!

Its not exactly a good bye to ex-Prime Minister David Alward because he got elected and win his seat. However, it will probably be quite an humiliation for David Alward to be there just as another Deputy. I hope the humiliation will be big. While he was the Prime, Alward was acting like an idiot, pushing over the gas shale like a dog. He never had the intelligence it take to control New Brunswick finances. We don't want to have finance being out of control like stupid Quebeckers. They might have all the richness of the word, mines and mines of gold, the capacity to produce 100% of their electricity needs and so on. But no matter what, Quebec finances are in the deepest red ever. WHY?

 

Like right now, Quebec and New Brunswick are in the same deep red. And its the strangest thing. Quebeckers got what they deserved, their arrogance had killed them. But in New Brunswick, the red is in place because of  people having to leave to find work. Cost of university is extremely high in New Brunswick. We don't have enough job. Youth is going away. There're so many problem. But the biggest problem is having too many debt for the little resources we have available. We have just little left to do. But one good thing that could be done is downsize the government. We don't need that many number of deputies to represent the people. Just in the north of New Brunswick, a small place like the North West is being represent by at least 3 deputies and that area barely have a population of 20 000. So let's go Brian, cut in the butter! There're too many bastards in New Brunswick politic. Less will be better.

 

We may be poorer, but we are smarter. We really need a political change in New Brunswick and we got what we need now to move forward. Brian Gallant is a sweetheart of only 32 years old - that's right, my Prime is younger than me - but am I getting that old??? No, I am a sexy 34!!! aha!

 

Anyway, New Brunswickers always know which choices they need to make. Remember when Hydro Quebec try to get his hands over New Brunswick electricity business? People said NO and there was a nice cute little crowd in front of the parliament. Us New Brunswickers, we have the intelligence to take the good decisions when needed. We won't ever get control by rats who are unfaithful to the Canadian country, among other things. We need to keep the control no matter what.

 

I had just no doubt in my mind. I knew Liberal Party was going to win in New Brunswick. Conservatives had treat New Brunswickers like shit. And they got what they needed to have. BOOM. Liberal is a majority, nothing will hold Brian Gallant behind. The young man has a lot of work waiting for him. I hope he'll have the intelligence to listen to the people and make us proud. I hope he stays out of any corruption. I will pray for him and his family. May God bless Brian Gallant.

Voting machine going nuts in New Brunswick

I am desperately trying to follow live the results of the elections in New Brunswick... but seem like a server was down somewhere on the Acadie Nouvelle for a few minutes... lol. Servers are down, and voting machines going f nuts. Its going to be a tough and rough fight. But Liberals are probably going to win - just like expected. David Alward won't be in for a second mandate. I am pretty sure. That's also what I had announced yesterday.

 

The fight is not only rough in New Brunswick right now. The Canadian stock market is quite racy too at this time. My non-registered is at only $140.

 

I am now finally watching live Radio-Canada channel and imagine what... votes will need to be count one by one... but so far, Liberals are in the game and Conservative pretty much out.

 

Love the elections, but got to go to bed.

Saying yes to CIBC Visa 0% promotional credit card balance transfert

I know you haven't heard of me really often lately. One reason being because of the summer - I had been enjoying the sunshine. I have to say that when the stock market is on a positive note, I used to stay away from my laptop. Another reason being that I have a mini laptop with only a 1 GB drive and it sometime give me a headache. When it want to, the little machine can be quite slowww.

 

But now, the stock market is down. My non-registered portfolio used to be at $144 000+, its now at $141 000. Summer is over... sniff sniff...

 

The only good thing these days is that I bought a new laptop. That one had a 8 GB memory so its much faster. I can easily go on the Web and do all of my stuff. Its quite life changing. And also, my screen is bigger, so its overall much better. The deal was too good to miss, this Acer laptop at the Source was only $380.. about $420 after taxes. I don't regret buying it... especially knowing that CIBC Visa - one again - decided to be extra generous by offering me a 0% credit card balance for 6 months. But there's a catch, a onetime 1% fee apply.

 

I know I once said I wasn't interested by CIBC Visa promotional offer but I am not going to used much of my CIBC Visa, just what I currently have as expenses on my BMO MasterCard. By doing so, I still can pay off my student loan like plan by the end of October. Also in October, I have a few days plan in New Brunswick. And at the time, I hope that at that time, David Alward will only be a bad souvenir.

Provincial elections on September 22, 2014: Welcoming our New Prime Brian Gallant

Its too bad I cannot be there to vote, but I have no worries. New Brunswickers are smart people and watch out my prognostics: a big kick in the ass to the Conservative and a very good welcome to the Liberal under Brian Gallant. Go Brian go!

 

In New Brunswick, we had experimented many problems with the Conservative. New Brunswick has among the highest number of individuals who benefit from the unemployment insurance - and that being for many reasons. One reason being the lack of opportunities. Before being able to find a job in my very own province, I had been offered a job in Montreal after I guess less than 12 weeks while being under the unemployment benefit. That was about 2 years ago. The contract turned into a permanent job here in Montreal. But back in the time, the only jobs offer I found coming from New Brunswick were contracts. It seem like New Brunswick workplace is built just in order to give us the number of weeks required to get the unemployment benefit - that's what I figured out...

 

Poor seasonal New Brunswick workers had lost their dignity under the Conservative government and come a time where their voices will be heard. And that time is tomorrow.

 

In New Brunswick, we rely on our natural resources more than anything else and someone of the name of David Alward want to all f it up and open the door to pipelines - but there's much much worst, like shale gas. And the only reason why we don't have any shale gas exploitation in New Brunswick is because of the courage of our Indian people who massively come over to protect the province and said no to shale gas. New Brunswick has a lot of problem to deal with right now. Let just don't add another shit plan to everything else. I want to be able to go back live in New Brunswick one day.

 

Under Stephen Harper, New Brunswickers who work in seasonable industries, like in the fisheries and forest related stuff have suffer from very tighten laws and regulations related to unemployment benefit. Workers who are involved in lobsters, fisheries, forestry, tourism etc. cannot work all year long.

 

Without being there, I know New Brunswickers will do the right choice and massively vote for Liberals because its really the only thing to do.

Paying off that student loan once for good

I currently have a $1 300 available in cash, but I didn’t do anything with it so far – which is very unusual. I made a very painful decision: to pay my student loan by the end of October of this year. The balance of my student loan is of $3 147. Its quite a bit of money, but not that much either. I find it painful to pay off my student loan because its money that I won’t be able to invest inside my TFSA and I didn’t invest in something new in quite some time. My latest investment in Stantec Inc. (STN) doesn’t count at all because it was made inside my RRSP.

I had in mind to pay off my student loan but I never been really super enthusiastic over the idea. But I am now very serious about it. Currently, its $98 every month that goes as payment on the student loan. If I can erase that debt and leave a 1k in my bank account, I will be saving $101 per month. $101 is quite a lot of money to get in term of dividend money, its the reason why I decided to pay off my student loan and later on in November, I will have a 1k that will be laying on my bank account.

Following what, I will only have my rent, grocery and extra to cover up, all extra money will be put on my margin account and/or new investments. By the way things look now, I could only have 10 years left to do on the workplace. Not that I expect to retire at 44, but I want to have the choice to retire or not at that age, and please trust me on that one, I really don’t want to work until my late sixties… Or if I do, its because I will want to, not because I will have to.

Dividend investing is a good shit plan cover off. A shit plan is something you put on place in case shit happen, like a lay off or any kind of other shit that could happen. And the Canadian stock market is a good place for shit plan. The idea to have investment working for me for the rest of my life is just terribly sexy and I cannot wait for my non-registered portfolio to hit on the $150 000 value. And the Dividend Girl will be forever and employers could only kiss me good night.

Hey, Stantec Inc. (STN), welcome baby to my RRSP portfolio

My non-registered portfolio closed today session at $144 680.41 - still very good for a day down on the TSX. And since a very long time, I have a margin left over of $20 498.02 - SSS. without any new update, I am pretty sure that my overall portfolio is now exceeding the $200 000. Its not a net worth of course, but I wasn't expecting to come so soon. 

I currently have a $1 300 to invest inside my TFSA and a $1 200 inside my RRSP that are just waiting to hit on the stock market. So what's going to be my next investments?

I talked of Stantec Inc. (STN) a bit previously before. But now I am really into Stantec Inc. (STN) because the company declared a 2 for 1 stock split. This is making the perfect occasion to finally invest in Stantec! If you want to be part of the deal, you need to invest at least 3 business days BEFORE October 31th.

Stantec Inc. (STN) is the perfect stock to in a RRSP portfolio - partly because its not with a dividend yield of 1% that I am going to be able to buy that Aldo purse that I am just dying to buy! The best place to dumb Stantec stocks is inside a RRSP portfolio. Leave it there, and maybe later on the company will worth much more than now.

I invest through my employer inside my RRSP but I don't plan to add extra money into it as my motto is: I NEED MONEY NOW. PRINCESS NEED THE CASH """NOW""" PLEASE. Aldo purse now please.

I had money available to invest inside my RRSP after I sell my Tim Horton stock. I just hope that Stantec will be the hot deal that will make me look fabulously hot.

I didn't invest in my non-registered portfolio or TFSA in a little while and no longer remember what I had as wish list for upcoming portfolio. Or maybe all I remember is... that Aldo purse.

Saying goodbye to my Tim Hortons (THI) shares. Bye bye!

Long weekends are the perfect time to just do all the laundry and cleaning that need to be done before hitting for real in the month of September.

August 27th was my birthday as you know and I spent the special day at work and I had one thing running in my mind, not the fact that I was turning 34 since there's no sign of aging on my pretty face and I don't feel any difference between 24 and 34. My problem on that extra special day was not with aging, but on what to do with my Tim Hortons Inc. shares now that Burger King in on the way to buy the company.

I have to say I was very surprise with that acquisition. Is there any other companies more Canadian than Tim Hortons. It's almost an outrage to see our American friends getting their hands on our Tim Hortons! The world is all so f up anyway... And now its just even more lol... Anyway, you got the idea of what this mean. My concern was: to sell or hold my Tim Hortons Inc. (THI) shares?

I went through a few acquisitions deal with other stocks I had been holding in the past so I knew how it was going to work. First the company that buy the X company offer an amount per share to buy all of the shares of X. At the time, I went through an article saying that Burger King was buying Tim at something like just a bit more than $60 per share - $63 I thing. shortly following that Burger King made its coming out about buying our Canadian Tim, Tim Hortons stock value pop up to $88 per share. That had never happen before. So what was the best thing to do: let Burger King buy Tim at $63 or cash in high profits like now... I knew I had to act fast. My idea was pretty much set on selling all of my Tim Hortons shares now, but I had a little doubt. While hitting back home, I had received in my emails Derek Foster latest newsletter. Derek Foster was selling his Tim Hortons shares or already did. From that point, I had no more doubt, if Derek Foster was selling his Tim Hortons, I was going to do the exact same thing. And in the morning of August 28th, I was flushing all of my Tim Hortons shares and cashing in the cash!

In my case, I did not made a fortune out of the deal. I was holding just a few shares of Tim Hortons inside my RRSP and I decided to buy Tim because its a stock that Derek Foster had in his portfolio. If Derek hold a stock and that's its a Canadian stock and as long as its not Manulife or Power Corporation - I am going to get the same things as the guy. 

My story with Tim Hortons ends on August 28th 2014.

I currently have a $1 200 in cash in my RRSP just waiting to be invest again, but no idea yet.

My non-registered is on the $143 658.20. It seem to me like this baby is going to hit on to the 150k all by itself without the help of new investment! YEAH! The investment game is like a bit too easy these days but sexy is not going to complain.

Make a wish: TODAY IS MY BIRTHDAY

34 old, always the same sexy thing! ;-)

At my age - was it - Derek Foster was retiring. Its not going to happen anytime soon for me lol...

Anyway, enjoy the day, time to buy a lottery ticket and eat diner at a restaurant.

Enjoy the day, I will do the same.

Saying hello to my first 200k worth portfolio (excluding debt, of course)

The weather is very hot these days in Montreal, especially today. But there's nothing that a cold beer cannot take care of and I wouldn't mind to spend another weekend at the Parc Jean-Drapeau beach this weekend. I cannot go there during weekdays. I could, but it will only give me one hour to swim. Enough for a quick swim. I am enjoying the last couple days of summer.

This past weekend, I knew, that my investment portfolio was at its highest value ever, so I did what I usually do when my portfolio reach its highest of its highest value ever - I update my portfolio. And surprise, I am very close to the 200k worth portfolio - I reached the $199 863.28 value, and my net worth is of $128 868.77. Those are very good numbers, especially knowing that I didn't invest in a little while.

The Canadian stock market is a real paradise these days. But will things remain the same for really long? I don't know, I only wish. and imagine my surprise... Today, my non-registered portfolio hit on the $143 680.82 portfolio. Which mean that I am currently sitting on a 200k worth portfolio, no doubt about it. 

An this being done 2 days BEFORE my birthday.

August 27th is the date!

My investment portfolio on date of August 24, 2014

On date of August 24, 2014:

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.44
Bank of Nova Scotia (BNS): $8 078.40
Hanwei Energy Services (HE): $75
Methanex Corporation (MX): $7 601.40
Fortis Inc. (FTS): $3 647.14
Pembina Pipeline Corporation (PPL): $22 462.44
Just Energy Group Inc. (JE): $5 161.42
Pengrowth Energy Corporation (PGF): $1 536.40
Enbridge Income Fund Holdings Inc. (ENF): $10 782.20
Corby Distilleries Limited (CDL.A): $2 401.20
Davis + Henderson Corporation (DH): $7 169.04
Premium Brands Holdings Corporation (PBH): $10 547.83
EnCana Corporation (ECA): $4 996.16
iShares S&P/TSX Capped REIT Index (XRE): $2 571.80
Horizons Gold Yield Fund (HGY): $1 316.52
Canfor Pulp Products Inc. (CFX): $1 259.28
New Flyer Industries Inc. (NFI): $1 487.16
Exchange Income Corporation (EIF): $4 087.50
Colabor Group Inc. (GCL): $392.70
TMX Group Inc. (X): $437.20
K-Bro Linen Inc. (KBL): $4 061
Westshore Terminals Invest Corp (WTE): $7 293
WesternOne Inc. (WEQ): $3 271.80
First Majestic Silver Corp (FR): $1 078
Kinross Gold Corp (K): $650.81
TransCanada Corp (TRP): $1 397.50
Canadian National Railway Co (CNR): $6 840
Firm Capital Mortgage Investment Corporation (FC): $508
Enbridge Inc. (ENB): $1 526
Agrium Inc. (AGU): $2 645.24
Canadian Utilities Limited (CU): $1 651.44
Crescent Point Energy Corp (CPG): $984.50
JFT Strategies Fund (JFS.UN): $2 032.02
Black Diamond Group Ltd (BDI): $720
Emera Inc. (EMA): $862.50
Cineplex Inc. (CGX): $1 018.75
Barrick Gold Corp (ABX): $798
BCE Inc. (BCE): $1 068.54
Stella Jones Inc. (SJ): $610.40
Saputo Inc. (SAP): $1 314
Toronto-Dominion Bank (TD): $1 152.40
Lassonde Inc. (LAS.A): $1 225
Loblaw Companies (L): $632.16
Lumenpulse Inc. (LMP): $1 000
Laurentian Bank of Canada (LB): $1 027
The North West Company Inc. (NWC): $1 224

TOTAL: $142 603.29

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 232.45 
Cash: $4.12

TOTAL: $1 236.57

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $40.95
Dumont Nickel Inc. (DNI): $115
Sprott Physical Silver Trust UTS (PHS.U): $1 755.13
Sprott Strategic Fixed Income Fund (SFI.UN): $370
Healthlease Properties Real Estate Investment Trust (HLP.UN):
$1 420
RioCan Real Estate Investment Trust (REI.UN): $950.60
Precious Metals and Mining Trust (MMP.UN): $568.80
Sprott Inc. (SII): $2 944.05
Chorus Aviation Inc. (CHR.B): $717.60
Data Group Inc. (DGI): $425.78
AltaGas Ltd (ALA): $1 548
CT Real Estate Investment Trust (CRT.UN): $1 183
National Bank of Canada (NA): $1 139.65
Cash: $182.73

TOTAL: $13 178.56

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 542.02
iShares Gold Bullion Fund (CGL): $3 853.20
Emera Incorporated (EMA): $8 142
EnCana Corporation (ECA): $2 546.12
Sprott Physical Silver Trust UTS (PHS.U): $585.04
Toronto-Dominion Bank (TD): $1 728.60
Barrick Gold Corp (ABX): $997.50
Stella Jones Inc. (SJ): $3 052
Telus Corp (T): $1 934.50
Tim Hortons (THI): $687.70
Cash: $365.21  

CIBC Dividend Growth Fund: $757.77
CIBC Emerging Markets Index Fund: $338.64
CIBC Monthly Income Fund: $1 321.18

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

GIC National Bank: $1 285.65

Manulife Fidelity NorthStar GIF CAP B: $1 400.82
Manulife Simplicity Growth Portfolio: $1 097.35
Maritime Life CI Harbour Seg Fund: $1 304.16
Maritime Life Fidelity True North Seg Fund: $1 400.82
Manulife GIF MLIA B World Invest: $895.69

Great-West – various: $2 539.73
Various other mutual funds: $1 467.71
Other: $445.60

TOTAL: $42 322.77

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP + Online Income ($36.49):

$199 863.28

Summer is ending on a good positive market note

While enjoying the last couple days of summer, my non-registered portfolio decided to hit on the $141 523.52. I just to be able to stay on top of the 140k. I have a margin value left of more than 18k now and I feel I should make another sexy  investment move inside my TFSA. I am looking forward for very secure and solid investment stuff, like maybe Canadian Tire. Or maybe some more stocks of TD Bank - I have no clear idea at this time.

But what I know for sure is that the past couple days spent in New Brunswick were fun fun fun. And soo COLD! The weather is always colder in New Brunswick, but still, I had my bathing suit and it was useless. The nights are cold and so are the mornings. Sometimes in the afternoon, I could feel the heat of the sun over me but it was a tiny little heat feeling compare to what I am used to in Montreal. Basically, Montreal is shitty but the weather is warmer. 

Next time I will be in New Brunswick it will be in October and I except the weather to be cold at that time. Once I will be "home" (Montreal is not my home but its is now), I will have to get over my autumn clothes and stuff. I may be able to have a few sunny days while being "home" this week but after that, it will be over. And be ready for anything because on the 27 of this month, something very unique will happen: I will be turning 34 years of age. I have to deal with it but at 34, with no wrinkles, I don't look my age. I just need to lose a bit more weight and you'll think that I am a real sexy 20 years old or something... I have good Acadian genes and myself and my body were built to take all the shit of the word on my sexy shoulders.

These days, the shit is easy going. Like I am full-time employed, I am going to have a pay next week and stuff. I don't have any wrinkles in my pretty face and I can easily lose weight when I get into the mood so life isn't that hard but I am not taking for granted the job that I have and my current situation. Its the reason I want to play safe with my next couple investments. The idea of hitting on a portfolio of 200k is not something that I dislike and it doesn't bother me at all to have a net worth of 125k+. It won't take forever before I hit on my thirst $50 000 net worth. It won't be long.

Now that the summer is over, it will be easier to save money. As I am hitting back home, I am thinking of a plan to save the max of cash possible in September. I don't think that I am that in great needs of autumn clothes but I will have to check that out, maybe just one pair of pants and one top - very limited, but I need to cut out those expenses. Figuring ways to save up some  money is not that easy and respecting a ttight budget is not easy either way, but what need to be done need to be.

I have to say its not easy for women to save money because more than men, we have specific beauty needs. Hair coloration need to be done at least once every month. Currently, my color is darker than usual, its because I picked and did the coloration all by myself and it SHOWS and its less pretty. I also need powder and foundation - I am ruining out of foundation. I lost weight so I don't know how my pants of last year will fit. As the weather is going colder, to keep it up with my diet, I will need to get a gym membership at some place - that alone is expensive. I am hitting back to New Brunswick in October - that's another $200 only for meal ride and the bus ticket... AND SO ON.

So see, its terribly difficult to save up some money because of all of those excuses. Pretty or not, next coloration will have to wait until October before my vacations. Saving money is more difficult now that I make more money and I really have to think and stick to plan. So the f wish list is only what it is lol.

However, I am good at following plan, even if do change the plan - quite often - among the way. Like for example that student loan. Sometimes, I want to pay it, and sometimes I don't. But at this point, since the amount concern is so little, it doesn't really matter. I way prefer to invest and get richer rather than throwing money away on debt payment. Who knows when I will need the money anyway with those little bastards. Shit is just turn ON. ALWAYS. And always be ready for the worst of your life. Fight for those who can't and invest for those who don't have any money. It's all about taking up all the chances of the world.

Its time like these that I usually left y credit card home and play on in cash only. The upcoming weeks are going to be difficult.

My left margin value is now of $16 000

Its now getting even better! My non-registered portfolio is at $139 399.28 and I in 2 weeks and one day I will be turning 34. You'll have some big celebration ahead and if you want to offer me something, my wish list include a new laptop, a smartphone, a camera, Ici perfume, a new apartment (bigger than one and a half please!), some furniture (to go with the new apartment). And in case I have a millionaire reader who really like me like crazyyyy, I want a condo ok? And I am all yours.

;---)

While dreaming, you'll find a few pictures of the Jean Drapeau beach in Montreal. Its quite a cool place to beat up the hot heat of the summer.

I did my nails and my coloration tonight so I am all ready to go for my New Brunswick vacations, all ready to leave Montreal behind - I only wish it will be for good.

Montreal is certainly a nice place to visit for "tourist", but living in Quebec province is certainly far from being a dream. In our country, Quebec had destroyed all sense of Canadian patriotism. We are united united as one country and we have a lot to blame to the selfish Quebeckers. And suddenly, while facing the failure of their poor choices with the Partie Québécois of Pauline Marois, well suddenly, the bastards decided it was time to be "nationalist" again and here come again the Liberal party... a real show.

Quebeckers took away too much time from our federal leaders. Too much efforts had to be put into "trying" to to keep Quebec in good faith over Canada and that is truly for me unforgettable. I hope Quebec will never join the constitution because they don't deserve to be in Canada. And I truly prefer to have Stephen Harper - again - in power for 4 years rather than having a Quebec cheater and liar for Prime Minister. If Justin Trudeau become Prime Minister, you can say hello to massive deficit. The guy doesn't have what it take to be Prime Minister. He's of an extreme arrogant and insouciance that is difficult to describe.

Stephen Harper cut massively into federal jobs and he should only cut more. I had been to Ottawa in my twenties and there's way too much jobs where people have little to do. The government should reform itself more and banish jobs that don't serve at anything. I think there's a lot more that could be done. Citizens shouldn't rely on government for jobs, that's just a basic of any powerful economy.

While we were f with Quebeckers, all energy put in the wrong place should had served our very own Canadian interests. That's why Quebeckers need to be banish.

In the mean time while living in Montreal, I am a honey money sucker and I enjoy what Montreal have tlo give but I am not in any way a promoter of Quebec - I am just sucking until the end and while doing so, my margin is explosing to a 16k value. The best thing I ever done in my 33 years of life is all right here.

All you need is money and summer love

As I am getting ready for a few vacation days, my non-registered suddenly decided to pop up to the $139 082 value. Now, its not a joke, I really getting ready to hit on the 140k mark. Not kidding! I am enjoying the last days of summer - that's why you don't get to hear a lot of this sweeettttt Dividend Girl soon turning 34 years old of life on earth. The heat is not bothering me that much. I spent all weekend long at the beach of the Parc Jean Drapeau - I really like the beach there. I got some nice pictures for you later on.

Anyway, for now, the big news were all about the 139k$ non-registered portfolio value.

CIBC Visa offer to the Dividend Girl: 0% interest for 6 months... but watch out the 1% fee

I had received today a promotional offer from CIBC Visa; 0% interest for 6 months, but an initial 1% fee apply. The 1% fee is what is f it all. No way, I won't pay a 1% fee just to get a 6 months at no interest. No Sir.

This make me remember the time when I used to have a 0% with TD Visa. At a point, the promotion stop and I decided to pay off the credit cards. I now only have my student loan and margin as debt, and its a real challenge to pay down those debt already, so I won't add up a credit card debt on top of that!

I had quite heavy on the expenses so far in August so I decided that the necklace I bought at La Baie was going to be the only thing I will buy this month for my birthday. I rack up at $550 already and the month is not even half pass and please don't ask me to skip the morning coffee please because I can't. But I can however control my expenses. Other than coffees, I have a thing for makeup, hair products, clothes... Today, I left my credit card home and I didn't buy anything except my morning coffee. And I only bought that single coffee.. So I feel I had made a great deal of efforts today.

I now realize that its not because I make more money now that it make it easier for me to save money. I always have to stay alert. I have a few vacations days coming up, and I don't want to spend more than another $500 for this month, that include the cost of my bus ticket. But lucky me, I have a tiny - but still, a $147 in cash coming from the dividend earns inside of my TFSA... hello mercy cash. The dividend cash coming from my non-registered account is also helping.   

But what is helping the most is to leave my credit card home and stop spending.

In Montreal, the temptation is EVERYWHERE. And I don't understand how middle class folks can afford a condo AND regular basic living feels + EXTRA curricular summer EXPENSIVES. I mean, impossible. Even while on a 50k annual income before tax. 

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.