I am only missing 9 153.28$ to reach My first 50 000$!

Today was quite a fun day as I was off all day and I really enjoy my free time. It was still cold in Montreal, but the sun was out. I wake up late and went… shopping! I might had spend 250$ or so lol. Among other stuff, I purchase a nice pair of Nike running shoes. They are black with a bit of pink, very comfortable. I was really in need of a band new pair as my feet were hurting on my old shoes lol. This day off had been so much fun that I was thinking about taking Sunday off on each week – for the whole summer. Which mean I will work 5 mornings and the whole Saturday for that job. As for the evening job, there’s ups and downs, but I decide to stop worrying for now and just take whatever come by to me – a lay-off (again?! lol) or not. I am just that tired.

I am now confident – I might be able to reach my first 50 000$ in investments by the end of 2009. Of course, I have a bit more than 16 000$ in debts, student loans for the major part, as 1 000$ had been borrow to pay my taxes (that will be done and completed by tomorrow) and also a 5 000$ on my credit line that I use for leverage (another good idea of mine). After my first 50 000$, I will focus on paying my debts.

My real overall value is only of 24 227.03$ (40 855.02$ - debts of 16 627.99$) but I plan to catch up later on about debts. For now, investments are too much fun and I really want to invest in the Energy Savings Income Fund (SIF.UN).

I had received my Pembina Pipeline Income Fund dividend for April

I had received 13$ in dividend from Pembina Pipeline Income Fund. And this is how I earn a one “free” unit of the ultra-ultra fantastic Pembina Pipeline Income Fund! I still wonder how Derek Foster could let this one go from his portfolio. But for myself, I know one thing; I am certainly going to purchase more units of this marvelous Pembina! Way too hot. I am still waiting for Pengrowth dividend, but I didn’t receive anything yet.

Since I registered to an automatic DRIP, I was told it could take some more times to receive dividend sometimes. It’s something I am always looking into, just in case… Because with TD Waterhouse… well, with TD lol. Just joking.

My nightmare with 2008 taxes is almost over. I have an appointment on Monday and after what, everything will be complete. I have everything prepared in my bank account just in case I need to pay big in taxes. I have a bit more than 3 200$ ready. I just cannot wait to see how much I will need to pay in taxes this year.

I had 1 600$ of my own money ready – I took a 400$ from my credit line at TD and another 1 000$ from my 10 000$ credit card I have with RBC. I withdraw the 1000$ from the bank machine and pay off immediately after with a check I had luckily received a couple of weeks ago from TD Visa – an around 5% deal for 6 months on balance transfer. I have a 5 000$ limit on my TD Visa.

And I actually have another 3 000$ I could take way from my RBC Visa and pay it off with Visa TD check and I was willing to do so and purchase SIF.UN or PIF.UN that way lol. Like at a point, it’s just doing any sense. I just cannot stand it too much longer. I want to make another investment. My last investment with Pembina was on a Friday, on the 13 back in March.

If I decide to move on with this major move, I will probably be working on paying back credit cards for the next 6 months – or even more.

I almost already reach 5 000$ on my credit line. If I add 4 000$ to this amount, it make 9 000$ that is needed to pay it all off within the next 6 months. In order to do so, a payment of 1 500$ per month will be needed. Not impossible, but I will have to cut on my daily expenses.

I am self-confident with the whole investment deal and I thing I am doing well, even by looking at my broker account. I calculate and I actually lost more than 12 000$. But even if I had lost great deal of money, I still want to continue to invest as long as I have enough money to do so.

I am playing and playing, I just hope to win big at the end.

I finally gave up on my taxes declaration

I renew my taxes this last Sunday and at the end of the day, it was not 2000$ or something that I had to pay back in taxes… But it was 3000$. The more time I spend on my taxes declaration, the more I had to pay in taxes!

After what, I told myself it was time to get some help! I get organize and just yesterday, I bring my paper to the proper professionals’ lol. I still consider the fact that it cold happen I might have to pay 3 000$ on taxes, like if I had not paid enough already! Tomorrow with my newest pay, it’s 1 600$ I will have in my banking account, so I plan to use some checks I got form my credit card to raise the rest of the sum of money – in case I need it. This year is very awful for my taxes. But I will survive. Doing personal taxes can really be annoying and exhausting. The worst that can happen is that I actually have to pay 3 000$ in taxes, which I will be surprise. Nightmare. But is worst is paying taxes or having to give my $$$ away to some Quebec government that is now mine? LOL!

I learn a lot by trying to do my taxes and I am looking to share what I had learn really soon. Cool exciting projects coming on.

Go Hanwei go!

Hanwei Energy Services (HE) is up up up! Not that I stop believing in Hanwei, but it was a lovely surprise to see its value rise to 1.71$.

I cannot access my broker account at this time, but from what I remember, I had purchased 300 units of HE at the price of 2$ or so per unit. And of course, this investment – like other that I have – made me lost some money! Now, HE is at 1.70$ - which is extraordinary. I might even be able to make money from this investment one day. And one day, Hanwei Energy Services could even begin to distribute dividends to its shareholders. Maybe in a close future.

I really like Hanwei Energy Services and I believe it have good potential to grow over time. Hanwei is a BUY and HOLD forever lol!

Why? Hanwei has present in emerging markets, more especially in China and the company promote green energy. And this might be one of the reasons why Hanwei price had been rising lately. Among their activity, Hanwei deliver Wind turbines and had growing business opportunities in Asia. Hanwei is also having interests in coal power, among other.

I am looking forward to see the price rising in the upcoming weeks.

Dividend Joy in April… and it’s not over yet!

I was very happy to received 75$ in dividend from Sprott Asset Management. But great news – the dividend earnings for April is not over! In the upcoming weeks, I am expecting a 51.20$ from Pengrowth Energy Trust (PGF.UN), 13$ from Pembina Pipeline Income Trust, 4.28$ from Livingston International Income Fund (LIV.UN) and 49.49$ from Bank of Nova Scotia (BNS).

Which mean its make almost 200$ I will earn in dividend earnings for the month of April. Very great!

I now have a 1 300$ sleeping in my bank account but that’s money is taxes money. I did my taxes – all by myself – and it wasn’t too difficult. But very exhausting and very long, but the software I use is quite good and I plan continue to work on my taxes declaration this weekend and finish it up and move on.

I was entering the data and I was getting anxious while entering my T4 for my 3 jobs because once they were all enter – it was making almost 4 000$ I had to pay extra in taxes! From that point I told myself, I will continue to do it by myself and if I see I still that much to pay, I will make someone else do it for me. But at the end, once I enter my RRSP amounts for 2008, everything turn out well, as I only have to pay 1 800$ in taxes. Which of course, it’s a lot of money, but in 2008, by running everywhere, I make a bit more than 44 000$. After 41 000$, I get into a higher level for the taxes and from my point of view, the whole thing make sense.

But at the same time, I am quite disappointed in having to pay almost 2 000$ in taxes because I really wanted to purchase 100 units of Energy Savings Income Fund (SIF.UN), like next week or so. But it’s seemed it won’t be before next month. Life sometime is boring like that.

I just received a "free" 75$ on April 6th

I just come from my new morning job. Well, not exactly new because I was working there only during weekends. The supervisors seem to be surprise to see on weekday’s lol. The survey is ok and I hope to be working 36 hours at that job until the end of August. I just hope everything will go well. As for the rest, I still had my evening job. We begin to receive a bit more calls, and I am feeling better now as I was beginning to worry about loosing another job of mine... again lol. Look like recession is no more just "as seen on TV" deal for me...

Wonder what’s that free 75$ is all about? I received yesterday 75$ from Sprott Asset Management (SII). They had provided a special dividend – 15 cents per stocks. Since I own 500 stocks of SII, I just earn a fantastic 75$. It’s not that much, but it makes a nice little deposit on my credit line and around those times, I need money – whatever the provenance lol. So basically, I just transfer the 75$ as a payment on my credit line.

My first 50 000$ is now from Twitter

Check my cool profile:)

http://twitter.com/myfirst50000

Twitter is very fun to use. You write short paragraph and just post them, to whoever is reading you. I find out about Twitter first by watching Rick Sanchez on CNN. But it’s just very recently, yesterday actually, that I register. And of course, I am following Rick Sanchez on Twitter :)

My watch list

This post is about stocks and units I would like to purchase next.

I watch the index and of course, I am looking to extend my portfolio and invest more and more into current and other companies. Those are the stocks and units I would had purchased right away… if I would only have some money left.

My love’s one:

Bell Aliant Regional Communications Income Fund (BA.UN)
Current value: 24.73$
52 Week High: 30.55$
52 Week Low: 21$
Annual dividend: 2.904$

Time to buy before it’s become unaffordable!

I really like BA.UN. That’s actually a real one from the Maritimes and it rock! The annual dividend is huge! Almost 3$ per unit. This is an optimum BUY and HOLD lol :)

Great-West Lifeco Inc. (GWO)
Current value: 18.58$
52 Week High: 35.94$
52 Week Low: 11.21$
Annual dividend: 1.232$

For me, it’s seem a good one. Great-West Lifeco offers services to other companies like RRSP along others. GWO is a BUY.

Manulife Financial Corporation (MFC)
Current value: 16.40$
52 Week High: 40.59$
52 Week Low: 9.020$
Annual dividend: 1.04$

A buy? Maybe, maybe not. Analysts seem not to thrill about Manulife. I personnaly prefer GWO rather than MFC. But other than that, if I had a lot more than what I have now, I would have for sure invest in MFC. But in the conditions that are mines, I prefer Great-West Lifeco.

Energy Savings Income Fund (SIF.UN)
Current value: 11.25$
52 Week High: 15.40$
52 Week Low: 6.32$
Annual dividend: 1.236$

This is a good one. SIF.UN is kind of like Pembina Pipeline Income Trust on the sense that they plan to keep paying dividend (and no plan to cut) to their shareholders and its sound – by reading different press release – very well organized and stuff. It’s all I kind say about them, with all the knowledge I have. Among other, I would also like to purchase some other PIF.UN units and Fortis stocks. PIF.UN is affordable and pay good dividend. I just cannot imagine DF at the moment he had sale his PIF.UN units! Unimaginable!

On what happen at the job interview

I had an interview this late Friday, on April 3 for the job I had been referred to by the place I used to work during the morning. It was not what I expected and I was badly hurt to be offering such job. I was expecting something better. It was my first job interview in about near a year now.

Basically, the job was as a self-employed and it was about calling CEOs, directors of bank (was TD in the list, I don’t know lol) and others like that. I was about asking questions; see if they qualified for a project and than, ask if they were available to come for a one hour interview on site. I find it incredibly stupid, asking such things to supervisor and other. I was very upset to be referring to such job. I left the job after saying I didn’t want to occupy a job as a self-employed – that’s a good excuse that cross my mind. That’s excuse came by after she asked me if I it was because I was not feeling like I could do it. Wow!

The job was very terrible like that and I cannot imagine one minute asking a CEO some questions but worst part being me asking them to come onsite and so on.

And the worst being that I wake up early that morning to print a copy of my update resume. As I was leaving, I was feeling a lot of sadness in my heart and during that time, in the state of New York, 13 innocent persons were shot to dead.

After learning those 2 bad news, I was able to catch up with my weekend job and by finally saying I was available to do some hours during day time. Which had been accepted.

On my lovely weekend

I just cannot believe such individual can posts such comments on my blog! Like this is not a professional blog or something like. It’s just something I am doing for myself and for the fun of it. And I really enjoy blogging. I have several blogs and it might be poorly written, but I am not looking into winning a literature prize. Some individual can really be disturbing. And I am talking here about a comment that I had been left on my last posts. Anyway, I got the picture right. But what actually I like about this is how much I can write and tell in this sort of basic by nature English of mine. It could surprise since I am from New Brunswick but I am not originally from the English part of the province. Anyway, let’s pass on.

But something worst disturb me this week. It shouldn’t be something disturbing but it did disturb me – because I had been very tired in the last couple of days. I am tired of my daily routine, tired of it. Of me working so hard for my money. And I got stress about the taxes I have to do. This is stressing me more than anything else. Sometimes, just the accumulation of different things just make it too much at the end. And for me, I meet the end when I received the package to vote for Methanex. Like enough and enough. I want some free time. And this remains me of the old days when I was only working on weekdays with one pay check. Like everything was nice and gees, what did I did with myself.

And this weekend was one of them, like I had the whole Saturday for myself. I was working – thankfully – this Sunday. I really need the money to pay off my credit line. In this difficult time, it might had been better if I would had just pay more on my student loan, but I am too excited about reaching 2000$ in dividend earnings – probably by the end of the summer.

I confirm the deal, I will be able to work 36 hours weekly at what used to be my working job. The plan almost got ruined because of my morning job. Where I used to work on the morning, they refer me to 2 jobs. First I got excited, I taught it was going to be a good job and all that but gees, it was 12$ per hour, « under the table » lol – as a self-employed and it was really just occasionally, very temporary work. But I didn’t accept the offer. It wasn’t paying enough and the reason I gave for refusing was because it was a job as a self-employed.

I do not care about the jobs I am doing or what so ever. What I need is continuous amount of money coming in my banking account. And for that, I need stable jobs, no matter are bad paying they are. But I do not complaint. I can easily myself go like this for another 2 years or 4, depending on how things are working for my portfolio. That occasion job I had been offered could had disturb the plan of me reaching 8 000$ in extra money by end of the summer. That make valuable money I can invest in Pembina or other if I want to. But I had other plan than Pembina Pipeline Income Trust. Those are from my watch list and I am going to write next about it.

My top performers: Pembina Pipeline Income Trust and Crestsreet Alternative Energy Fund

I didn’t calculate my overall value for quite a time (like do I really care), but I did it intentionally, knowing I might be close to the same amount of money – still after several weeks of waiting for the TSX to come up again. The market had move a lot like always, but no drastic change still in my portfolio. Pembina and Crestsreet are the exception for the rule and they are both very, extraordinary amazing.

Pembina and Crestsreet Alternative Energy Fund are about the only 2 investments who had took some value in my portfolio and I am still impress by the fact that, well, it had taking some value!!!! LOL.

I was very proud of my choices: purchasing 100 units of Pembina Pipeline Income Trust was one of the best ideas I ever had. I purchased 100 units of PIF.UN back on March at 12$. For now, each unit worth 13.42$. Since that time, the highest Pembina reach was something like 14.50$. I was like wow! Like its way too much fun! And for each unit, I earn 1.56$ per year, as the annual dividend is of 1.56$ per unit.

In date of April 3, my 1 000$ initial investment made in Crestsreet Alternative Energy Fund now worth 1 042$! I just hope it will continue this way. It’s seem like in my portfolio, Crestsreet Alternative Energy Fund had taken the place of Sprott Canadian Equity Fund. But that’s now wanted from me. It’s just how things went by.

For me (a while ago lol), Sprott Canadian Equity Fund was the "investment" or was supposed to be the one. Sprott Canadian Equity Fund was supposed to be my mine of gold. But nothing happen. Instead, I lost half of the money I invest in it and I am just upset about it. Anyhow, there is no – officially – no "money lost" until the investment is being sold, so for now, I stick and hold. But eventually, the goal would be to make a huge amount of cash from Sprott and than sell it to purchase high dividend paying stocks. But the question that remain is if Sprott Canadian Equity Fund still represent a good investment and to this question well, I do not have the answer.

Rock on :)

My first vote as a shareholder of Methanex Corporation

I previously vote as a shareholder of Bank of Nova Scotia (BNS) a while ago. Now it’s the turn of Methanex Corporation (MX). Actually, my vote for Bank of Nova Scotia was my first vote as a shareholder. I wasn’t prepared to vote for another company any time soon and I was quite happy to have the opportunity to vote for another company… that I own lol. Most hilarious part is that I had received the voting package… in English lol. Very funny. But I understand English enough to take "clearly" decisions or what I believe will be a good decision.

I didn’t begin the reading of the document yet. I am way too exhausted on what had happen to me lately. I am going to explain it all. But for now, my portfolio is taking form and it’s beginning very interesting to be… an investor lol!! No matter how bad the economic situation is, companies like Bank of Nova Scotia, Fortis, Pengrowth Energy Trust, Livingston International Income Trust, including Methanex Corporation among other, continue to pay dividend to their shareholders. And this thing is real. I had received a little more than 300$ in dividends money and I cannot wait to earn more.

If small investor were doing the same thing as me, we could boost the Canadian economy. But unfortunately, it’s not something I can do by myself alone, me and my little thousands of dollars here and there. But the whole investment thing begins to be more and more interesting. The portfolio I own at a broker now worth an average of 20 000$ in value right now and I expect to see it’s growing over the next couple of months. If only the TSX could reach 15 000 points again, my overall value could reach 75 000$ and maybe even more. And what I like about the stocks market is that there is no discrimination of what so ever. You invest in a company, it give you automatically the right to vote for it, to earn dividend and so own. And nothing is done to stop the process by anyone among the way.

And there’s no more powerful tool than the stocks market. I saw it from my own eyes. In a day, I could had make close to 500$ or so by selling some of my investments. This is fantastic.

Earning New Dividends

I just received new dividend from Livingston International Income Fund (LIV.UN) and Methanex Corporation (MX). I earn one extra stock of LIV.UN and another one of MX. And I earn an extra 14$ in cash to pay off my credit line. I really can pay off the interest of a 5 000$ credit line following Derek Foster strategy as he explains in his latest book Money for Nothing. Now, knowing that, will I be able to follow his strategy regarding optons?

I previously wrote that I began to understand the "options strategy", but really, I find it still difficult. I once call the Options department of TD Waterhouse. I spoke to an Indian I believe. Cute accent, good explanations. But in date of today, I find it still difficult. Would I be able to live from my dividend one day? And no siminar are being offer regarding options in the Montreal area. So what do I do now? :)

Good news

I just got very good news. It was yesterday actually. But yesterday morning, I was so tired; I did not even take time to check who was calling. It was for a job offer – not permanent but occasionally part-time. I got refer by the person in charge of the human resources at was used to be my morning job. I was quite happy. I was finally able to reach the person who had call me just a few hours ago and we will meet tomorrow at 10AM, which is not too early lol. I don’t exactly know what’s the job about, but I will learn more tomorrow. As long as I am getting paid… This is better than today because I am still very exhausted. And the more I sleep, the more I am exhausted lol.

That’s terrific news as the job is located on the same building and I know the place pretty well. I just hope it will turn out ok. Which mean that for now, my weekend job will remain my weekend job. Like for now, it’s very funny because it’s all about jobs, money and socks. And I am running everywhere. I still have my taxes do to. I was thinking do to it by myself with a software, and I had my taxes paper of last year which can help me but I think the best will be just to see someone to do my taxes paper for me and I might go at the same place I went last year. I wouldn’t like to do any mistakes. But I am still thinking on what do to.

And yesterday, I was quite surprised to see Methanex Corporation (MX) to rise at more than 10$ per sock. The situation is not totally desperate :) And Sprott (SII) gone up a bit at 4.60$. If everything can remain relatively the same, it will be nice knowing how much I am working hard to gain money, which mean more money more stocks, if everything can just remain the same, I might be able to purchase more stocks. I was thinking of purchasing more PIF.UN and FTS. I plan to earn +/- 860$ in new dividends by the end of this summer. It’s going to be hot :)

This morning was my last morning

…at my 3rd job.

I did from 9AM to 3PM and when I was done, I said goodbye to ones who where still there and I left. And it actually did something to me when I left even knowing how exhausting the job was mentally and physically – mentally because for the past couple of months I basically never knew if, for the day after, there was going to have work for me – that was pretty exhausting. And physically well, physically burn out because I had to wake up early, latest 7h30 AM after arriving at around 1 AM from my evening job.

But I won’t complaint too much about it, I was able to make it anyway, it wasn’t that exhausting. And for a while – almost a year – in April it would had make one year I had been working there. The workplace was always super clean, in a beautiful building near a metro and really, it was quite nice but the pay was low. I wouldn’t have take it as a full-time job but it was almost a perfect part-time job, only part that was rough it not knowing how many hours I was going to work each week. If I would have working only there, I would have probably freaked out. It’s terribly difficult to work in those conditions. It does remain me back of the times I was in Ottawa working for staffing agencies. Just the worst part of my life I want to forget.

Now, I am almost in a vacation until April 6th. Until that date, I won’t be working during the mornings which mean I will have... free time! I also having this Saturday off and it’s going to be real nice to have all this free time for myself as I enjoy surfing the Web so much.

I wish to make 36 hours at my weekend job and work full-time and – I wish some overtime will soon be available at my evening job. As for the rest, nothing changes; expect I had given up on Gomez PEER. I had waited and wait and wait and the status of the registration was still pending. So what I did is that I remove the program from my laptop. I guess I will just have to find new ways to make money online lol.

Having fun with my multiple Tax-free savings accounts and why TD Waterhouse is not that bad after all

Because they are getting pretty good at dealing with people like me! And I will go through it all in this post.

I got sooo confused on the Tax-free savings account. I taught I had understand it all – but just one little thing that I didn’t understand correctly – I taught that withdraws made during the year could be reinvested during the same year in the Tax-free savings account. But unfortunately for me, withdraws can only be reinvest during the next year following the withdraw – and never on the same year the withdraw were made. Here was my mistake.

Back in January of this year, I open a Tax-free savings account at RBC. And in it, I transfer some of my non-RRSP investment. They were mutual fund investments and in total, the money I transfer in the account was very close to 5 000$ - which is the limit authorize for 2009. I was very happy with the transaction. Everything went well and smoothly, without any problems... until… I got this bright idea.

A couple of weeks pass – it was time to invest in my RRSP and I suddenly realize I didn’t have planned anything for my 2008 RRSP. What I did was the following: I took some of my investments I had in my brand new Tax-free savings account at RBC and transfer them into RRSP. Everything went fine, well not perfectly fine, but I post previously about this, let say “learning experience” with bad agents of RBC trying to make money out of me.

Anyhow, a couple of weeks after, I decided to open another Tax-free savings account, but this time with TD Waterhouse. I complete the form and a few days after, the Tax-free savings account was from my TD Waterhouse. Once I call to see if the account had been created (I barely connect to the Internet on weekdays as I am running from 9 to midnight at my jobs) – the agent at TD told me that the Tax-free savings account was now from my TD Waterhouse account. All happy that I was, I ask him to immediately transfer my Crestsreet Alternative Energy Fund in it. But I didn’t talk to him about what I had done previously at RBC. The agent proceeds. I really taught I was doing right, until I contact RBC later on – asking what was left from my Tax-free savings account and than – but only at that time – I begin to ask question and I find out that well, I have to say it, I had done a mistake lol.

After what, I call TD Waterhouse, telling them all about what I done. And I suggest if it will be better just to get the Crestsreet Alternative Energy Fund out of the Tax-free savings account and the agent told me no. That was during a weekday’s afternoon.

Later on during the evening, I call back RBC to confirm the information of what I had been told during the afternoon and after – once again I call TD Waterhouse and the answer was still the same – I didn’t have to take off the Crestsreet Alternative Energy Fund from my Tax-free savings account. How confusing! And than, I ask the courageous agent if I could had move my Sprott Canadian Equity Fund into the Tax-free savings account at TD (like I never get enough or something lol) but he told me… NO… lol

I still do not understand in date of today – why it’s ok for me to leave Crestsreet Alternative Energy Fund into my Tax-free savings account at TD. I just hope things will turn all right. I am kind of having confident in them now.

But what I dislike about TD Waterhouse and main reason I keep “bitching” after them most of the time is that even if I ask for general info, the agents – but not all of them – keep asking for my name, my account number… And one time, I get very mad and I told the agent that I didn’t want to provide the info since I was just asking for general info. But it never works… I had to identify myself.

And by the way, their TalkBroker do not work in French but exists in French… Like anything cannot be perfect.

(and especially not at TD Waterhouse lol!!!!!!!!!!)

On what's going on with Blue Note Mining

I didn’t have too much time to do my search, but I read that Blue Note Mining had declared bankruptcy. Not that I was very surprised about the news as I knew things were not doing to well at Caribou (New Brunswick). But when I learned about them having discovered some gold near Caribou, I taught things were going to get a bit better… but it didn’t happen…

Its heartbreaking news and I was very sad to learn that Blue Note Mining had been delist from the TSX. BN had been moves into the TSX Venture, which I have no clue what it is about. The delist will be complete on April 1st. Now, I wonder if I should sale the investment or if I can still hold and if I hold – will the money remain? Just sooooo confusing. I didn’t receive any information on this what sort ever – a letter or anything. So I guess the only solution to know exactly what’s going on is… to contact TD Waterhouse! (lol!!!!!)

But what happen in my broker account is…extraordinary…

Blue Note Mining still appears in my account, no problem. But the amount is different. Back a couple of months ago, I had purchased 12 000 stocks of Blue Note Mining – main reason behind the purchase was because the company had a mine in New Brunswick. Which I find cool since I am from New Brunswick myself. It would have been too great if I could only had make some money of the investment. Anyway, in the late days, the current value of my investment had been less than 200$. But now, the amount that show up as current value is 600$ - which is almost the value of the initial investment I made back than; exactly of 689$. Let’s say that with Blue Note Mining, I would only had lost 89$ at the really end.

Now, what I think happen is maybe Blue Note Mining had given some money back to their shareholders. But I wonder where they took the money, since they had declared bankruptcy. I do not plan to sale Blue Note Mining anyway unless I have too. I wouldn’t like to loose that 600$ of mine.

This is a valuable example on why its always better to purchase, stick and hold until the end, just like Derek Foster learn me to do. Because of this I save 29$ (the cost of the transaction that it will cost me to sale the investment) and more than 400$ value on the initial investment. Like WOW. I am just lucky like that sometimes.

I do not wish this of course, but wouldn’t be nice if the same thing could happen with Timminco? The initial value of my purchase use to be of 4 065$ and now, it’s worth 554$! This is worst investment I ever made of my young life as an investor. But I do not wish a bankruptcy for Timminco (TIM), no company deserved to live a bankruptcy. It’s awful for investor, CEO and employees. Because I guess the employees of Blue Note Mining may had been lay-off. And I should be careful on what I write – or say – remember what happen with my morning job? Just too hot.

And, if I continue to look into my portfolio, I just can only laugh at myself about Bank of Nova Scotia. I taught it was a so smart move of mine to purchase BNS at 44.94$... but now each stock only worth 31.60$. Just so hilarious. It’s just show how markets are difficult to follow… even for an expert like myself lol.

TSX forever.

About Derek Foster selling his investments or what love is all about

Wild, unconscious and with a lot of sex appeal. That’s the DF I known from Stop Working. But it’s seemed like the Derek Foster of the old days is gone with the wind. Or something had happen to him. But what? I am late in the news. Derek Foster had soled out of all his assets a couple of weeks ago, middle of March from what I understand.

I do not judge him on what he did, but I do have an opinion on it. I read an article online of the Toronto Star. DF was explaining that he had soled it all because of some search he did. I do not know what he had found, but gees, he is totally out of track lol. Like if I know what I am talking about or something lol. I do not know what he had learned about, but no matter what he did, its clear for me that I will never sale my precious little assets. Those are going to stay with me until the end. And I still plan to invest more in stocks in the next upcoming months – unless I got lay off from the 2 jobs I had left lol.

I guess I have to respect his position. And its true is position is not the same, knowing he had a family to support. I guess he did what he believe was in the best interest for him and his family.

In that article, at the question if he would continue to sale his books, DF answers yes. And this disturbs me. He continues to sale his books on his Web site (http://www.stopworking.ca/), free of any kind of advertisements by the way lol. Like man, you are selling a strategy you do not even believe in yourself! Come on!!! That’s disturbing. But who am I to judge. It’s not now or ever that I am going to say bad stuff on the man who makes me discovers the fabulous and painful (lol) world of stocks. And make me discovers TD Waterhouse bad services.

DF is out of the stock market, but I am still in. And I plan to invest at least 30 000$ per year for the next 4 years or so in order to achieve financial freedom. I might continue to work just to have more cash to invest and become, basically, a multimillionaire lol.

It’s true I own DF a lot like: awful services from TD Waterhouse and lol, loosing more than 10 000$ of my very own money in the stock market. But more seriously, what DF did – trying to explain the stock market to small people well, its extraordinary, its give strength to proceed and just « go for it » lol. If it wouldn’t be of his books, I would probably still and only investing in mutual funds. My Td Waterhouse portfolio had an initial value of about 30 000$ and now, the 30 000 worth 20 000. Which I consider still good knowing the stock market conditions. It’s not like my initial 30 000$ worth now 5 000$ or so. The stocks market worth it a try.

I do not have the best portfolio ever – but it’s not the worst one either. For me, my portfolio is – well, let’s say... show up some great potential to grow overtime – lets say it that way lol. And I am never going to sale any part of it.

But what’s nice about DF is that he decided to go public with it. He could have sale and not telling no one – it will only had been between him and… those guys at TD Waterhouse… lol. His public move is very courageous. I wonder what his projects are now. He might be trying to do some money online lol!! Just hilarious knowing that’s what I had been trying to do those last days.

It’s hard to believe he had decided to grudge into his 400 000$+ for his living. If DF had decided to move out of the stock market, it might be because things might be pretty rough out there. But of cause, I know almost anything about it.

Why investment is also about love and on why I love the stocks market

I believe in Barack Obama more than anything. That’s basically why I am still in « it », because I believe in him and in his administration. More than anything else. And knowing how much we, as Canadians, depend on the US, just knowing that its BO who’s taking care of business, I sleep well at night and I never intent to sale any of my investments – ever since I saw Barack Obama the first time on television lol. For me, I believe Derek Foster lost that confidence and that’s what make him sale all of his investments. Maybe because he is a man and didn’t fall in love with BO like I did. It’s pure love. BO is a black angel and he’s going to fix EVERYTHING. This is how a strong believer I am.

And a true believer like myself do no fear the market in bad times. But this is the perfect timing for me. This is what I had been waiting for! A bad stocks market, low prices and a lot of time ahead. And right now, the combination of those 3 elements are united for my own benefit.

I had been following the stocks market since something like 2005. Back than, I had purchased Fidelity Frotiere Nord with Desjardins. It was a 1 000$ initial investment. Its not now that I am going to sale anything for sure.

About me loosing one of my jobs on March 31

And it’s going to be alright. I am really not into the job searching kind of mood at this time and I will soon be running out of some good cash to invest more. But I had a pretty easy solution that came directly from my brain (lol!!!): doing more hours of what I had been so far my weekend job lol. And I am lucky (I really I am!) – some work will be available during weekdays on the second week of April.

I plan to do 36 hours there starting in April and I will also be doing 37.5 hours at my current full-time evening job. Which is for me a nice solution since my weekend job is close to where I live and I really didn’t want to be job searching. Really not. And the workflow should continue until August. For the period April-August, it will be more than 8 000$ I will be able to save and invest in a place where maybe I shouldn’t invest: the stock market. I just pray nothing will happen to my evening job.

Everything will just turn out perfectly well if things can just continue this way.

It's over

I just had a rough conversation with my mom. She knows I am working during day time and she calls me at 1pm this afternoon, which really annoyed me. I told her that she knew I was at work. Why to call in the afternoon while I am working? It’s like she’s not giving me any respect.

And than she asked me – again – if I ever take a day off, and I get made at her, saying that I was working. What drive me crazy is like she’s always like: are you tired? Something might be wrong with you, you never call. You should come back to New Brunswick. You are working too hard and stuff like that. All the time! Instead, she should be proud, but for her, life is just about free-time and not working too hard. And I am so the opposite and I dislike her so much for saying those words to me: you are working too hard, it might be tough on you. But what’s tough on me is not the work: it’s her! And it’s been going on like this since I finish my studies. It’s kind of unfortunate I cannot find a better job, but I do not mind, knowing that I am in Quebec and hey, in Quebec, foreign doctors are stuck in taxi driver jobs… So should I be very surprised of my own situation?

And tonight, the nightmare went over, I told her not to call me, just for emergencies only and I continue saying that if I wanted to have a friendly chat with her, I will call her. And than she said, but you never call… You bet I never call; I am getting annoying of her comments and her pushing me down – without giving me any encouragement. But now, it's over. I am done with her.

Than she continue asking me what I was doing. I didn’t answer to her question. The reason is quite simple: my own mom is ashamed of me being stuck in simple jobs. Like once I went down to New Brunswick, when people asking what I was doing, I told them exactly what I was doing and than my mom, ashamed of me, told me: don’t say that, say that your working in translation. Like me working in translation like before? Like I barely speak, write and understand English lol. Anyway, she asked me to lie to save her proud and from there, things for me toward her never been the same. I discover her true nature: superficial, selfish and arrogant. The same arrogance as Brian Mulroney.

Pembina is now at 14.25$ and I had lost my morning job

I was so right! Pembina Pipeline Income Trust went up – just like I expected it will! It’s seem like I just make a lovely profit of 225$ right there – and its truly needed. This makes all my week and I didn’t expect Pembina to grow so fast – or actually its share to gain value so much. And once again – my only regret is not being able to invest more more more in Pembina! The lack of money really makes me feel miserable. But seem like I am going to suffer more and more of lack of money in the upcoming following weeks because I will get laid-off of my morning job on March 31st. Seem like... I am going to have a lot of time to write on my blog for now on lol! Its not a totally desperate situation since I still have my full-time evening job and also my weekend job but it’s going to make a major difference in my life not to wake up early in the morning and for the money right, because my life is all about that lol!

On what happen at my morning job and why I do now believe in God.

God exist – I now have a formal proof lol! And it’s H-I-L-A-R-I-O-U-S! This is actually one of the most interesting things that never had happen to me of my entire life!

You can imagine, I got very tired during the last couple of days. And during my evening shift I sometimes get very but very tired. On that day, I told to a co-worker of mine from my evening job something that probably changes my life forever (like I guess I will have to go to church or something lol). This had happened just this last Monday.

My or what had been my morning job is quite easy. But sometimes, customers can really disturb me and are acting like I-m-the-customer-and-your-the-poor-employee kid of thing. Anyway that’s basically why I am following Derek Foster strategy like hell because gees, I have enough of all this and working hard for my money I want this to stop.

Anyway, on Monday morning, what happen is what something happen. That’s all. End of the explanation. I just don’t want to re-live the even against like whatever. I had been working at my morning job for 11 months now, in April, it would had make a year. And I never had any troubles before. And of course, the incident happens with a.. QUEBECKER lol.

And than see, I continue to chat with my co-worker complaining about what happen to me and how I was tired about the job. And after what, I said the following. I said it in French, but in English, it would have been something like: « If God exists, they will fire me, I am tired of the job and I need a rest ».

But little that I know on what was going to happen next. And this if the most interesting part.

The day following the incident, I learn that my last day of work at my morning job will be March 31st. Believe it or not. God exists.

This lay-off affects me and the other workers as no more jobs will be available after March 31st. People working during the day had the possibility to work during the evening as work will me available during evening but for me, the option is not good because I am already working during evenings.

The problem being that the company we had been working for is based in the US and they have decided to move a project to Asia. Anyway… Maybe an Indian will do the job I was doing. It might be better this way – as for me and for them. Someone else will conduct satisfaction surveys to Americans and Canadians that’s all.

I wasn’t shocked about the news by itself. I was prepared and aware. I just knew or doubt something would happen as satisfaction surveys and more kind of an extra. So let’s say I was ready for anything, but I was not expecting a sign of God…

Ignatieff calling Mulroney: WHY? (or happy birthday criminal)

So far on this blog, I haven’t written at all on politic. But this time, I just had too, as I find the event very disturbing.

Ex-prime minister is a financial criminal (everyone will learn that once the public inquiry will be completed) and the one that is now the Liberal – what leader? - Michael Ignatieff might have thought he had done a pretty good thing by calling Brian Mulroney to wish him happy birthday.

WHAT A SHAME!

Weak, superficial and arrogant, this is how I describe what a Mulroney family spokesperson had called a "class act."

That poor man accept more than 200 000$ to promote a friend, arms dealer Karlheinz Schreiber, and in date of today, did everyone forget about this? In this affair, Brian Mulroney had been very arrogant. And from my point of view, Mulroney DO NOT deserves any public reconnaissance – especially coming from a politician. Now, if Michael Ignatieff thing he will get closer to Quebeckers because he had wished a man without loyalty and desperately suffering from a lack of judgment, well, Ignatieff than, is not better than Mulroney and I wish him GOOD LUCK. He will need some! How disturbing!!! I just hope Mulroney will be send to jail!

One day, people in Canada will wake up and stand up, but seem like that time didn’t come yet.

When will Michael Ignatieff get laid off? Are politicans are the same like that. Willing to please to get what they want – just more power?

I want Dion back!

Seem like he’s been teaching at Concordia University. A colleague of mine saw him at the metro Guy-Concordia. If I could ever see him by any chance, I will just say to him: PLEASE HELP US!

Like politic really suck and the Liberal party did a terrible bad move by doing what they did to Stephane Dion. But a day will come when some others, like me, will realize and I wish that, when that day will come, Liberal Party people will feel ashamed.

Shame on Brian Mulroney and may the public inquiry reveal all about his stupidity.

But the funniest part is that – even if Brian Mulroney definitely suffers from a lack of judgment, he is chairman of Quebecor.

Am I a stockholder of Quebecor of any Quebec business? OF COURSE NOT BECAUSE I AM TOO SMART FOR THAT.

(And smart people just follow Derek Foster strategy.)

Same thing for Henri-Paul Rousseau who had been CEO of the Caisse de dépôt et placement du Québec. It’s hard to believe – but after making losing millions of dollars to Quebeckers, the poor man had been hired as a vice chairman at the Power Corporation of Canada. It’s like hello! Who had been involved in this hiring? Come on!

First thing I learn as a very amateur investor is diversification. But its look like Henri-Paul Rousseau never heard of diversification of his entire life. Like I might purchase all 3 books and had it ship to the new CEO of the Caisse de dépôt et placement du Québec – could it be helpful, don’t you think? It could had make a good leaving gift for Henri-Paul Rousseau, instead of him touching more than 200 000$ in leaving bonus. Ah!

Like for myself, I read the 3 books of Derek Foster so many times – just in order to UNDERSTAND INVESTMENTS and how to do things the right way. But its look like some of today’s leader does not get simple things right like that.

I DO NOT LIKE QUEBEC. I truly deserve a better place to live, pay my taxes and invest. And talking about leaving Quebec, I might be able to leave soon since I will lose my terrifically boring and annoying morning job (I am actually the one who is getting lay-off for now). But that’s another story.

Waiting for my Pengrowth dividends

Tomorrow, I will received 50.50$ in Pengrowth Energy Trust (PGF.UN) dividend. I just hope the stock price remain low – if possible less than 7$ – so I can earn 7 brand new units at no cost.

After what, I will have 512 units or so. I enroll in a DRIP for all stocks or unit I have in my portfolio and expect to DRIP until I have enough to financially live from the income but I guess I will have to work for while to see such things happen. And than I could move someplace else than in Quebec! Problem being that there’s just no easy way. And its not easy for me to have to stay in Quebec. And with this recession going on, I just feel more miserable, like I am stuck here forever. Just as miserable as that. But one day I will have my revenge and I will be able to leave and never came back to this horrible province. And I will get back on the reason why I dislike Quebec province – maybe as much as I dislike TD Waterhouse – but even on a upper lever lol.

For now, I just continue the way I am doing right now and I hope to see positive results in my portfolio. At this time, its almost the only thing who make me happy and I can’t wait to see my portfolio to grow from a couple of more units of Pengrowth.

A beautiful weekend spend... at work

I was basically depressed all weekend long! The sun was out, the weather was perfect to enjoy the beginning of spring, but I was inside, working at doing surveys lol. I would like to enjoy the weather a bit more. On Saturday evening, I finish my shift at 18h, so I went out after that. I went to see the new movie Watchmen. After what I walked on St-Catherines, and I got back home. And it was about it of what I did exciting during my weekend. I believe winter is over and I just hope I won’t have to wear any heavy boots anytime soon.

I was looking at a local paper and I find an interesting job offer, part-time job this on, located near my evening job. I was thinking maybe to apply to the job to replace my morning job that just keeps cutting my hours. It will be so nice to have a fix part-time income of, let say, 300$, or even more if it can pay more. I just don’t know if the time is right. It’s kind of a rough decision. Like I don’t know what to expect anymore from my current morning part-time job and I feel so lost. Like for tomorrow, I don’t even know – again – if I am working or not.

My status of registration with Gomez PEER is still Pending. And after all this time past, I wonder if the program is just a scam of what’s going on with it. Not that I make tremulously money from the program; I am actually at 2 cents now. But before getting the program run on my computer on a regular basis, I want to find out if I will actually get approved. Anyway, I find the delay annoying.

And talking about delays, I am waiting to have a tax-free savings account with my TD Waterhouse account. And at the same time, I was thinking of switching to a cheaper broker. At 29$ per transaction, TD Waterhouse is not cheap. Like me who trust no one, and especially TD Waterhouse lol – I need to get a broker who will be cheaper than 29$ for my little transactions. I just can't wait to me completly done with TD Waterhouse.

On the special dividend of Sprott Asset Management on April 6th

Special dividend for A SPECIAL LADY.

I just learn the great news a couple of days ago. And I was like WOW! This is what I need. Especially after loosing so much money with Sprott Asset Management (SII). I have the good idea to purchase 500 stocks of Sprott when the price stock was of 10$ or so… lol… And now each unit worth less than 5$. On April 6th, the dividend is supposed to be of 15 cents per share. And since I hold 500 stocks of Sprott, its 75$ I will receive on April 6th, in real cash…. Not Internet money lol. A 75$ just for me.

Will there be a special dividend for my other investments?

And about Internet money, my status for Gomez PEER is still pending… And so far, I didn’t enroll in any other money making online. I just been working like hell and I just don’t have any time left to invest in it. It’s possible to earn some money online, but its take a lot of time and energy to start with at first and right now, I am missing both of those things, time and energy. But sometimes, I wonder if it’s just some laziness of mine. One day, I will wake up, fully determine and I will say to myself: let’s do it, like right now. It’s been a tough week for me. I got a cold and have to buy some medications. I complete a form to have a tax-free account with TD Waterhouse. And here am I, this morning, at my morning job – there was no work. But it was a good week – only for this morning, I wasn’t able to work. And I wasn’t too upset about it – I was feeling tired because of the cold medication.

Knowing I lost so much money in the market, it makes it quite nice and enjoyable to earn a bit here and there from regular and special dividend. Only it’s not possible to DRIP from Sprott Asset Management (and their dividend is super low!). I guess I will transfer the money over my credit line to pay it off a little. I am not really preoccupied by the market volatility, but I am more getting frustrating on dividend cuts. But it worth it to purchase and hold.

I would like to be able to reach 3 000$ in dividend earning by the end of 2009, but I don’t know if it’s another impossible goal to reach of mine. Like I had been working to reach 50 000$ in investment for about… 3 years now lol!

And talking about dividend earnings, let’s calculate them again, for the upcoming year to keep us motivated:

Bank of Nova Scotia (BNS) [1.96$ annual dividend]: 197.96$

Fortis (FTS) [1.04$ annual dividend]: 105.04$

Livingston International Income Fund (LIV.UN) [0.504$ annual dividend]: 50.904$

Methanex Corporation (MX) [0.7975$ annual dividend]: 80.5475$

Sprott Asset Management (SII) [0.10$ annual dividend + 0.15$ special dividend]: 50$ + 75$

Pengrowth Energy Trust (PGF.UN) [1.20$ annual dividend]: 606$

Pembina Pipeline Income Fund (PIF.UN) [1.56$ annual dividend]: 156$

TOTAL: 1 321.45$

I am in love with my portfolio.

$$$

I post in my blog a new section call My Dividend Earnings Calendar Year 2009. Its show up somewhere on the right column. I post in it the dates of the supposedly dividend earnings. I find the question mark (?) pretty hilarious. My calendar is unfortunately incompletes. I cannot find the dividend distribution dates for MX and my brand new PIF.UN. But the information is essential.

I just purchase 100 units of Pembina Pipeline Income Fund at 12$

And now, the price unit is of 11.92$... lol

When I learn I was not working, I did another payment of 329$ on my TD credit line. Just the day before, I had gave 700$ on it. Than I took the metro, when back home, connect to the Internet…. And did what I had to do lol…. I purchase 100 units of Pembina Pipeline Income Fund. Unfortunately for me, I didn’t have enough money to purchase more.

I just couldn’t wait until April. Since I saw the price rising again, I was afraid the units’ price will become just too high in April…

I was quite tempting by PGF.UN, which is lower than 7$ per unit at this time, but I felt it was important to diversified a bit my portfolio and Pembina is a good choice from my point of view for different reasons, but mostly for its rich dividend of 1.56$ per unit.

And I think I did a great move because the lowest price for the past 52 weeks was of 11.68$. And I purchase the units at 12$, which is quite close to 11.68$. As soon as I can pay at less 1029$ on my credit line, its just too tempting to purchase something else and I am now happy to have Pembina Pipeline Income Fund in my portfolio.

I am officially trying to make money online

Why it’s cool? Because with Gomez, my computer is doing all the work for me. And I have absolutely had nothing to do. It’s like Money for Nothing of you know who kind of deal! Basically, with Gomez PEER users get paid while their computer is connected to the Internet. It’s possible to earn money even when you’re not actually actively surfing the Internet. Like me right now.

The only thing that is needed is to download software. And the program is really easy to download. It’s work with Windows 2000/NT/XP/2003.

Once the download is completed, it’s taking up to 14 days to get fully registered in order to earn cash. I download the software about 4 days ago. I didn’t how it works, but than, I register my user name and the type of connection I am using for the Internet in a Window that appears. Starting from there, the process began. It’s possible to see the earnings in real time. For 120 minutes I had been connected to the Internet, I earn 0.01 cent. This, of course is really nothing at all. But the concept is really interesting. From the search I did on Gomez PEER, some people consider it as a SpyWare. But I install the Gomez PEER program on my laptop in which I have Kaspersky Internet Security, all new from this year, and nothing happen, and I run updates and virus searches quite often.

My account status with Gomez PEER is still Pending so I don’t know if I will ever be able to touch that 1 cent I already earn from the program lol. But even in the meantime, I let the software run. It doesn’t even slow down my laptop – which is not that new – I have the same machine since, I think 2005. Trying to make money online is fun fun fun. After reading this post, if you decide to give Gomez a try, don't forget my referral: JulieSky.

Pembina Pipeline Income Trust all the way in April!

Thanks to DF, I know about Pembina Pipeline Income Trust. I really want to see my dividend earnings rise and the only thing I want right now is to add Pembina Pipeline Income Trust to my portfolio. To see my dividend earnings rise, I need stability, and Pembina can probably provided what I needed – good continously amount of cash!

PGF.UN really put it hard on me. I was expecting something like an annual dividend of 2.70$ and now, almost half of it had been cut off. Experiment dividend cuts at an early stage make me realize that I really need more than just 50 000$ invested in all PGF.UN in order to earn 15 000$ - as I wrote in one of my previous post.

Because dividend earnings is not stable at all, I will probably need way more than 50 000$ and probably need other things than PGF.UN. But things are just sooo simple when it come to investments - it’s all about picking the right stocks – and, also, have enough money to cover the cost of those investments. I expect to invest again in April.

About Pembina – I read somewhere in a title of Stockwatch the following:

"Globe says Blackmont recommends buying Pembina Pipeline". Who’s Blackmont? I don’t know. But that’s not what is more likely to turn me upside down.

Here where things are getting interesting and hot:

"Pembina’s established reputation of delivering stable and reliable distributions to unitholders is supported by premium, energy, infrastructure assets; diversified services; strategic expansions and additions; prudent financial management; and strong stakeholder relationships".

There you go! Seem like Pembina understand it all and if it’s the way Pembina is being managed, my relationship with Pembina will last forever.

And even more interesting:

"As a result of the changes in the way the Canadian government plans to tax certain flow-through entities, including Pembina, commencing Jan. 1, 2011, Pembina’s board of directors has determined it is in the best interest of unitholders to convert Pembina from an income trust to a corporate entity in the latter half of 2010. Based on Pembina’s internal projections and certain assumptions, the fund expects that the current level of cash distributions ($1.56 per unit, annualized) is sustainable through 2013, after the planned corporate conversion. This positive outlook is founded on Pembina’s attractive business fundamentals and substantial inventory of growth opportunities, including the estimated $400-million Nipisi and Mitsue pipeline projects."

I just like that stuff!

Pembina = $$$ lol.

At this time, I am working hard to pay off my credit line in order to be able to use some money from it back and purchase – if not 300 units – at least 200 units of PIF.UN. But for that, I need more cash and save more money.

And after Pembina, what’s next?

Grest-West Lifeco (GWO)! Especially at not even 13$ per stocks! Hope it remain at the same price until… May or June until actually I earn enough to make another purchase. I definitely need more cash!

About Livingston International Income Fund and why I am getting tired of it

I really dislike Livingston International management at this time. I just get through the reading of a press release in date of February 27 – which kind of old now, but it’s better now than never I guess.

In that press release, LIV.UN management explains what they had decided to do in order to face the crisis. The 3 major measures being the following: "Company-wide salary and hours reduction", "Elimination of salary increases", "Voluntary resignation incentive".

I am ok with the "Elimination of salary increases" and with the "Voluntary resignation incentive". But what I am way concern about is the salary and hours reduction. Like wow. Before cutting on the hours of their employees, it will be so much more intelligent to just cut completely off the dividend until things came back to a more normal state.

Because anyway, from 100 units, I will only earn 4.20$. Since the return is so little, I will way find it more professional from them to just announce a dividend cut instead of cutting the working hours of their employees. But life is like that. For me, it's sound almost like LIV.UN is close to bankruptcy.

And it’s in time like those that I am happy to just have purchase 100 units of LIV.UN.

Out of work again

My morning job really begins to drive me crazy! I had been off on Monday morning. Yesterday I work the whole shift, 4.5 hours, but today… there’s no work for me! Let’s say it’s not tomorrow I will be able to purchase my next 100 bundle of stocks! I need more cash.

I was glade to have off on Monday morning as I took an appointment to get an hair cut that I was desperately in need. It’s good to have some free time, but at this time, I really need money as I want to purchase more stocks or units – whatever they are! And there’s also my brother who wants to visit me here in Montreal, that’s just fine with me, but I will feel mean if I don’t pay for a diner or something. My bank account is dry; all the money is invested in mutual funds, stocks and other. And my dividend earnings are automatically being reinvested to purchase more stocks. I enroll in a DRIP.

I complaint a lot here about my morning jobs, but it’s really releasing and I had my laundry to do anyway. And I am looking for ways to make some big cash online lol.

My first article submitted to Associated Content got rejected

But good news: it wasn’t because of my poor writing skills (!!!). It’s just I had that idea to write a bit on the new Air Miles toolbar that allow users to collect Air Miles through Yahoo! Search. From there, no problems, until I submit the article – which got rejected. But I had the possibility to re-submit the article – but enough is enough, I work 5 hours on that little article lol. Gees! That’s why I post the article write here on my blog - Collecting Air Miles through Yahoo! search engine: the dream now reality. But I won’t be able to re-submit the same article to AC.

I find very cute, like the way its sound, like I am all excited about Air Miles and stuff. Just another marvelous-marvelous post of mine.

Other than getting rejected on my really first submission (which I will explain the reasons for – I didn’t read the guidelines submissions first – part one), I find Associated Content very interesting. It’s a nice way to earn a little extra income via the Internet – way better than just a way-too-boring pay-per-click program!

Unfortunately for me, because I am in Canada – Associated Content do not pay as much as if I will be a US member. It’s part of the reason why I decide just to post the article on my blog – like whatever lol. But I will try again to submit an article to AC later on.

My article got rejected because I insert a Web site address in it. That’s all.

Collecting Air Miles through Yahoo! search engine: the dream now reality

Canada's largest loyalty program now offers a new way to earn rewards! Yahoo! search engine now offer the possibility to earn Air Miles, at no price. I first learn about this exciting opportunity on the cover of free newspaper Metro.

The best marketing combination of all times: Air Miles and Yahoo!

I use Yahoo! search engine on a regular basis. I am also a user of its email and Messenger services. (...).

Air Miles is my favorite rewards program because it’s allowing to redeem loyalty points in order to receive a discount on bus tickets (among other things). Examples: For as low as 150 reward miles, Air Miles program allow users to receive 40% off on regular Greyhound Canada bus ticket. And for only 50 reward miles, it’s possible to receive 40% off on Orleans Express tickets. And here’s where the Air Miles program is getting very rewarding.

The new Air Miles toolbar allows member to collect up to 30 Air Miles per month. Which mean, each month, it makes it almost possible to reach 50 Air Miles in order to purchase an Orleans Express bus ticket at 40% off. Interesting!

Both combined, Yahoo! search engine and Air Miles rewards program are getting very powerful.

How it work?

First, a toolbar is needed. The download is free of charge! The toolbar is available at the following address:

https://www.airmiles.ca/arrow/Toolbar

As an Air Miles member, your collector number will be needed. It’s actually being requested before downloading the toolbar. And if you’re not an Air Miles member yet, registered now! The new Air Miles toolbar make it even more rewarding to enroll to the Air Miles program. The toolbar download can be done through Firefox or Internet Explorer. And it takes less than 2 minutes to be completed.

Once the download is completed, restart your computer, and start searching! As soon as the minimum of 50 valid searches is completed, you will earn 5 Air Miles. It’s that easy and rewarding.

And if, like me, you like to track down your Air Miles account balance, you will no longer needed to log in into your rewards account – a simple look at the toolbar will allow you to find out how much Air Miles you have.

As a Canadian resident, I had below described my views on the Air Miles program offered in Canada. The same program is also available in the US, United Kingdom, Netherlands, Spain and the United Arab Emirates.

Out of work again

This morning, I wake up as usual, prepared to get to work, and gave my morning call to see if there was worked from a pay phone close to the workplace… just to learn that there was no work available… It’s always the same crazy story each morning. From that part-time job, I now earn more or less 200$ per work. Before, it was better, I was able to work most of my hours and earn 250$. I was quitted happy with it.

I am really in need of a better – if not a better pay – a better stable part-time job. But I am in a mood for job searching. I am just too lazy at this time to do so. And I was happy to go back home this morning to enjoy my Internet connection. I order the Portable Internet of Rogers. Its not high speed Internet, but it’s allowing me too listen to music and surf the Web – basically the 2 major things I do with my computer. I had been working from Monday to Sunday non-stop. I enjoy a free morning.

There so much possibility right now in the market! Especially now, when the market get so low, PGF.UN is now less than 8$. Even if the dividend had been cut, PGF.UN represent for me a nice source of income, and it should only get better over time, knowing that once, dividend was of 2.65$.

My first 50 000$ is now from Associated Content! I registered a couple of days ago just for the fun of it. I just submit my first article - it took me 5 hours to write a 462 words article lol. I just hope the English is ok. Since like I am having some free time, it take something to occupy myself. It’s not easy to come with original ideas and write in English because it’s just not my language.

Super-super Creststreet Alternative Energy Fund

While some companies are announcing dividend cut, my Crestreet keep going up up up! So high it make me want to invest another 1 000$ in this magic fund. Well, not that high, but my original 1 000$ now worth 1 016$. And in this difficult time, it’s almost a miracle that this investment is not making me loosing some big cash. Actually, the Creststreet Alternative Energy Fund is the only investment that makes me gain some capital among all of my investments. But here, I am thinking about the value of the investment only, not any dividend earning.

The Creststreet Alternative Energy Fund in the kind of fund I would like to have transfer into a Tax-free savings account, since its look like this in a US fund kind of. I don’t really know too much about this particular fund. And at a point, I don’t care about knowing more about it for 2 reasons: I just don’t have enough time to educate myself on the basic of the basic as I have other things to do and, second, as long the fund is making me gaining some money, I am quite happy here. No major search involves. Only cash is needed. And with Creststreet Alternative Energy Fund, only 1 000$ is needed. It’s the minimum required, unless they have change the rule with their new Class B. Because now Alternative Energy have a twin.

Creststreet Alternative Energy Fund was just one other great move of mine :) lol

I really enjoy my investments.

Me and Nadya Suleman

No that we have that much in common - but I will get back this part a bit later - but I have been very shocked, no that much about her giving birth to 8 cutties - but very more on the bad press she had received from those Americans. I listen to her interview and than - suddently - it all make more sense - it wasn't plan - she was not supposed to give birth to 8 babies. It's mostly the fault to her doctor than herself - but she, of course, never said such things in any of her interviews.

As for me and Nadya Suleman, we do not have in common, but:

She like children - I like children too

She's single - I am single too

She had a lonely children - growing up in New Brunswick was not the best

She's a look-like Angeline Jolie - but I am not lol

And I am looking to donate her some money.

Her Web site:
http://www.thenadyasulemanfamily.com/

Facing dividends cut... again

This new dividend cut is making me laugh so much because I got that little piece of paper I made. On it, I carefully write my dividend earnings for the upcoming year. But, now, with the bad news coming from Pengrowth Energy, it’s look like I will have to throw away the precious little piece of paper.

It’s now the turn of my famous PGF.UN to announce dividend cut. But still, I am going to earn 50$ from this investment on the next distribution, which will be in March Just in February, with the DRIP I enroll in, I earn an extra 5 shares of PGF.UN. I would like to earn an extra 5 units in March also. But at the same time, I wouldn’t say no to a monthly 50$ in my pocket. It will pay for my Internet and extra coffees. As little money that I can make from those investment, I prefer just to DRIP from them at this time. Over time, I will accumulate more and more of those marvelous.

I am really looking into purchasing extra 500 units of PGF.UN. That way, I could earn 100$ per month - at this only condition - no more dividend lol

Everything is going fine for now at my jobs and at the full-time one, we begin to receive calls like crazy again like in the old days, which is good. Maybe some overtime will be available soon...

Hot news

I very happy with my new 200 Pengrowth Energy Trust (PGF.UN) units of this week. With now 500 of those marvelous, I am now in business lol. And now I am a real investor. :)

I work a lot this week at a couple of different things and I actually didn’t quite any of my jobs yet, but at a point, I am getting very mad and frustrated. But never mind for now. The only thing I need at this time is another good year of income. And I feel very happy to have my blog at this time just to get rid of all those stupid jobs frustration. And working during weekend is very annoying. I would prefer to stay home. I just got my place a bit cleaner lol and I have mass of papers. My taxes papers are not all ready yet. I finally set up an appointment with Desjardins for my RRSP.

And thinking of it, I calculate again my upcoming dividend income, and it should make an average of 1 500$ as Pengrowth Energy Trust is at 2.04$ dividend now. Which make an average of 125$ per month. I just find out that UN like PGF.UN pay a monthly dividend lol. What hilarious.

I now have an eye on Pembina – PIF.UN I think it is because the company had announce that the 1.56$ dividend per share will remain until – something like 2013 or 2014. Which mean that Pembina dividend is practically 100% sure for the next 4 years. This is super great. And the company is about to close a 400 millions deal. Hopefully, I will earn enough soon to purchase at least 200 shares – but it might be only in 2 months. Problem being that Pembina is not that cheap, at 14$ and I wouldn’t be surprise if the price just keep rising as good news are coming from everywhere for Pembina.

Pembina is THE mine of gold. And talking about mine of gold, things are getting better for Sprott Canadian Equities, which is up at a bite more than 27$ now. It was about time. But what I really loose money into is Timminco.

So I get in mind to forget those advices I read in the Globe and Mail, Canadian Business and other junk lol, and just continue the way it is. And the way it is is DF way. Again and again and again!!! It’s from the latest Money for Nothing I learn at first from Pembina. Maybe it was from Stop Working and the Lazy. I never before closely look into his portfolio until a couple of months ago.

But one good thing at least I learn from Canadian Business in an edition of their magazine, they classifies Pembina by being one of the best manage company. TD also figure in the list, but I thing they shouldn’t appear there lol.

Anyhow, a lot is going on right now and if things can just keep going, I might be able to build something very nice for the future, before I hit the magic 30.

Dividends update

LIV.UN : 100 x 0.504 = 50.40$
PGF.UN : 500 x 2.70$ = 1 350$
SII : 500 x 10 cents = 50$
MX : 101 x 0.769 cents = 77.669$
BNS : 101 x 1.96$ = 197.96$
FTS: 100 x 1.04$ = 104$
= 1 830.029$

Last time, when I calculate my dividend earnings, I forget about FTS..... I know PGF.UN might not pay 2.70$ this year in dividend, but as a strong believer, I prefer to believe the dividend will be 2.70$... And here I am, with 1 830$ income for life, every year of my life. I am just missing little to reach the goal in 5 000$... But it will be preferable if I could just completely pay off my credit line and get a better job ;)

New PGF.UN: 200 stocks

I just purchase 200 new units of PGF.UN at 10.03$, which I am very excited about. I now have a total of 500 stocks in it. I previously had 300. I was looking on YLO.UN, but the dividend is very low and I really like PGF.UN anyway. Now my credit limit is almost full. lol I refund 1230$ on it this week, but now I just purchase PGF.UN.

Crazy am I to do such things, but I really like PGF.UN. Next purchase might be Pembina PFI.UN I believe it is. But I just hope prices will just false down...

Worst day ever

The day went just fine, but at a point, I get upset at some point of the day. It take a lot of self control to ge through things like I am getting through and I am really happy to have my blog to at least be able to, if not doing something concrete about it, just to get some kind of a compensation. Anyway, what happen just show the stupidity of the whole thing and maybe some of my own stupidity. I was at my morning job – I was actually working this morning. Everything went super fine. At 1:30pm, at the time I usually finish, one of the supervisors tells something about me, that I could stay until 3PM if I wanted.

Which I was quitted happy of, but than, the other supervisor just told the exact opposite, that I had to go. That what piss me off. And I get to a point that I now have enough. Most of their major projects got cut off anyway and they are not very kind to anyone. They have as excuses that its because of the recession that’s going on in the states, but if they were just a bit more professional in their manners, maybe a lot would had been done in a much better way. I know them to well now and I know they did it just to piss me off. They were running out of numbers anyway and I could see that there was not going to have that much samples for the bunch of people we were. And anyway, I got tired of survey job. My life just makes any sense.

I get through the reading of the documentation I had received from BNS today and I have to say, I find it very interesting. I will probably vote FOR all the propositions. I just find it very cheap from the administration board of Scotia Bank to come along and say ok, here is why you have to vote AGAINST… It’s having the complete opposite effect on me. And when I go through the reading, from what I cam over from my very little interpretation is that the administrative board is suggesting voting AGAINST the different proposals because they do not defend their causes. And there that lady over there who do not even hold 200 stocks of BNS and she’s from the administrative board. Which I find totally out of the track. How can you be on the board of a society if you not only hold 200 stocks? That one had to get out of there and I want her out of there. Oh lol. With me, everyone is going to loose their job. I want them all out of there.

Since I am not working tomorrow, I could take the time maybe to go to an hospital for my left hand because its so weird, I don’t know what to think about it, if its broke of what. Its not getting any better or worst. But knowing myself, I will probably just stay up all night ans writting about everything and anything.

Tomorrow, I have no excuses, I can do my RRSP and all the other little thing I need to do. That's including searching for another job! Starting from right now!

Creststreet Alternative Energy Fund Class A, and now a Class B

Since I purchase my parts in this fund before they had opened the Class B, I believe my parts are in the Class A lol. I just notice a couple of days ago a Class B in the Creststreet Alternative Energy Fund and I think it’s a good sign. I think its mean that maybe the Class A is close, and maybe they have opened a Class B because their Creststreet Alternative Energy Fund is a star fund.

I invest in this fund because of its 142,69% returns in one year – in a year of recession. I consider Creststreet Alternative Energy Fund as almost as a mystic fund. And I was very happy when the fund finally arrived in my TD portfolio. It took like forever and the poor guy who sale me the fund never told me about the special delay. Usually, you purchase a fund, it get inside you portfolio – not immediately of course, I know that at least, but let say the next day or something like that. But for this purchase, it took forever, and the representative never says one word about it. This is another reason why I dislike TD Waterhouse – for their lake of caring.

Maybe TD is treating me like shit because they dislike me as much as I dislike them. Another idea of mine.

I have that jerk at my weekend job who is now listing to our interviews and I just cannot believe. The place is incredibly dirty, the pay is low, and it’s their buddy who received promotions. I am not talking like this because I wanted to listen to interviews myself; I have absolutely no interest in their business, especially in Quebeckers business. But hey, when a jerk has the authorization to evaluate your work, well that’s a living hell. And I am living in hell in Quebec. And their new person in charge of their Human Resources is like – wow – incredibly out of her mind. And I am seriously thinking about stopping to work there during the weekend. I do not have any free time and I miss sleeping in late and just walking around, doing nothing at all. I don’t want to deal with losers anymore. But at the same time, I earn an average of 300$ bi-weekly – it make it enough to cover the cost of my rent and pay part of my metro pass.

I am here in a shadow. Can I continue another year or 2, I don’t know. But for sure, I want to get out of here if not before, at least at 30. I am just in need of a change. The reason why I didn’t leave yet is because of my jobs situation. I make an overage of 750$ per week after taxes, but it’s true I work 70-80 hours per week. But the only thing I care about is the money, nothing else. And it’s now been going on like this for years.

I am just so incredibly in control of myself that all of it is doing so smoothly and so well even with some difficulties.

But all that talking about Quebeckers just makes the pain in my left hand more painful.

:)