My investment portfolio on date of January 6, 2012

Savings: 201.10$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII)
Timminco (TIM)
Blue Note Mining (BNT)
Bank of Nova Scotia (BNS)
Hanwei Energy Services (HE)
Methanex Corporation (MX)
Fortis Inc. (FTS)
Pembina Pipeline Corporation (PPL)
Just Energy Group Inc. (JE)
Pengrowth Energy Corporation (PGF)
Enbridge Income Fund Holdings Inc. (ENF)
Corby Distilleries Limited (CDL.A)
Davis + Henderson Corporation (DH)
Premium Brands Holdings Corporation (PBH)
EnCana Corporation (ECA)
iShares S&P/TSX Capped REIT Index (XRE)
Horizons Gold Yield Fund (HGY.UN)
Canfor Pulp Products Inc. (CFX)
New Flyer Industries Inc. (NFI)
Exchange Income Corporation (EIF)
Rogers Sugar Inc. (RSI)
Student Transportation (STB)
Colabor Group Inc. (GCL)
TMX Group Inc. (X)
Data Group Inc. (DGI)
K-Bro Linen Inc. (KBL)
Westshore Terminals Invest Corp (WTE.UN)
WesternOne Equity Income Fund (WEQ.UN)
Atlantic Power Corp (ATP)
First Majestic Silver Corp (FR)
Kinross Gold Corp (K)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Firm Capital Mortgage Investment Corporation (FC)
Sprott Strategic Fixed Income Fund (SFI.UN)
Enbridge Inc. (ENB)
Agrium Inc. (AGU)
Canadian Utilities Limited (CU)

TOTAL: 115 947.38$

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

TOTAL: 2 293.12$

Tax-free savings account (TFSA)
EnerCare Inc. (ECI)
Dumont Nickel Inc. (DNI)
Sprott Physical Silver Trust UTS (PHS.U)

TOTAL: 4 058.15$

RSP investment portfolio:
Sprott Canadian Equity Fund
Claymore Gold Bullion ETF (CGL)
EnCana Corporation (ECA)
Emera Incorporated (EMA)
Sprott Physical Silver Trust UTS (PHS.U)

CIBC Dividend Growth Fund
CIBC Emerging Markets Index Fund
CIBC Monthly Income Fund

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

GIC National Bank
GIC Plus TD

Maritime Life International Equity Fund
(Templeton)
Manulife Simplicity Growth Portfolio
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
Manulife GIF MLIA B World Invest

Great-West – various

RBC Canadian Dividend Fund
RBC U.S. Mid-Cap Equity Fund C$
RBC Global Resources Fund
RBC O'Shaughnessy International Equity Fund
RBC O'Shaughnessy All-Canadian Equity
Fund
RBC Global Precious Metals Fund

Employer RRSP program

TOTAL: 38 184.66$

Social Capital at Desjardins Membership share: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(77.25$):

160 801.66$

Welcome in my investment portfolio Canadian Utilities Limited (CU)!

Between yesterday and today, I had enough time to rethink my position in Colabor Group Inc. (GCL). I had been holding GCL in my portfolio since February 2011. Since that time, I was holding more than 200 stocks of GCL, which I consider being too much in today’s market condition. Today, I sell some stocks of GCL at 10.82$ and 10.80$. It felt very good to do so. I saw GCL going upside down within a matter of just a couple of months.

I still own some Colabor Group Inc. (GCL) stocks in my portfolio, but I do not hold 200+ stocks anymore. I was getting tired of GCL and now was the perfect time to sell a few bunch of GCL.

I reinvested the money coming from the sell in Canadian Utilities Limited (CU). I bought some CU stocks at 61.20$ and I was very pleased. Boost by my investment, Canadian Utilities Limited (CU) closed this Friday session at 61.38$.

Canadian Utilities Limited (CU) nicely completes my collection of blue chips. I am happy and very release. Holding too much of a troublemaker stock like GCL had created an unhealthy financial portfolio stress. Fact is, no matter how much a portfolio is diversified, no matter on how many blue chips I hold, I am always exposed to the market volatility. Knowing that, I think it’s important to reduce the whole thing to a minimum of risk by trying to avoid small caps with a high dividend yield. At a point, I don’t want to have to worry about my portfolio, my holding, my margin account situation, etc.

Today I took a first step in reducing my portfolio stress. I reduce my portfolio stress and... also my dividend income. However, knowing that I mostly invest in a non-registered account because of my margin, I don’t mind reducing my dividend income. Not at all.

I had experienced the small cap high dividend payer stock in Superior Plus Corp. (SPB), Yellow Media Inc. (YLO) and many other. All troublemaker stocks. Now, I want to establish my portfolio for good. No more trading, just lay back, enjoy the dividend income and I will be done. Once establish, I won’t be trading as much as I had done in 2011. Or should I say, I WILL TRY not to trade that much.. lol..

I just realized now, I had placed today my first investment of 2012!

And there’s many more to come! (See, it’s very hard to control those kind of impulses).

Following what, it seem like my non-registered portfolio is now at 115 947.38$. Quite good!

Next thing coming up is my RRSP contribution.

Did you know? Gordon Pape net worth exceeds the 2 million of $$$

Look who's rich and have super cash! And this is the kind of info that people and the Dividend Girl just LOVEEEEEEEE to know. Of course. Because life is all about money. You must know that by now.

That’s quite impressive! Jonathan Chevreau of the Financial Post reported that at 75 years of age, Gordon Pape is 2 times millionaire. I am not looking to have that much zeroes, for me, the ultimate please will be reach 200 000$ value in investment value will be just enough for me and 2012 could be the year where the 200k POP from this blog!

A new Gordon Pape book in on the way: Retirement’s Harsh New Realities, Protecting your money in a changing world.

I just hope I won’t need any hearing aids when I will be 75.

The Dividend Girl knows best

My non-registered portfolio is doing very well! I hit the 116 191.27$ today, which is quite amazing. I never taught I would be hitting the 116k anytime soon. The 120k is not too far away, that’s for sure.

At this point, I need to be extra careful on how I invest, in what I invest and also I need to be careful with the current investments that I hold. I once wrote a blog post about my troublemaker stocks. Among those troublemakers, I have Colabor Group Inc. (GCL).

Colabor Group Inc. (GCL) is the perfect example of what a troublemaker stock is. A troublemaker stock is an investment that is not secured. The problem with Colabor Group Inc. (GCL) is that the company made a bunch of acquisitions one after the other, very very quickly. The Fonds de solidarité FTQ has offered an unsecured subordinated loan of 15 millions. Nice, but it could not be enough to secure Colabor high dividend yield of 10%.

I won’t recommend to any of you readers to invest in GCL at this time. Richard Dufour of La Presse reported that GCL may be paying a too high dividend. Could Colabor Group Inc. (GCL) be the next Yellow Media Inc. (YLO)? It could be. Before falling into the state of a penny stock, YLO was paying a generous dividend of 12%.

I consider myself lucky. Currently, I am experiencing a capital loss of 185.60$ on Colabor Group Inc. (GCL). I am looking forward to reduce my position in Colabor Group Inc. (GCL).

In a lot of ways, my investment in Colabor Group Inc. (GCL) has a lot in common with another Quebec company I unfortunately hold in my portfolio, Rogers Sugar Inc. (RSI). RSI value price is under what I had paid for it. At a bit more than 6%, the dividend yield is reasonable, but the RSI is not a stock that grow in value, no matter how good or how bad the economy is going. From what I remember, I never made a capital gain on this one. I am currently experiencing a capital loss of 37.87$ on this stock, which I have to say, is not too bad. However, I would like to reduce my position in Rogers Sugar Inc. (RSI).

In the past for me, it was a dividend rally. My goal was to increase my dividend income. But focusing too much on the dividend income can be a trap. Some small caps can turn into very ugly situation. Here on the dividend girl blog, we have experiment a variety of ugly situation. Remember Yellow Media Inc. (YLO)? That was very nasty ugly. And just recently, Heather Munroe-Blum, the principal and vice-chancellor of McGill University herself resign from involvement in Yellow Media inc. (YLO). I wonder if she’ll resign from Royal Bank as well. Anyway, I don’t care about RBC, I do not hold RBC Royal Bank (RBC) in my portfolio and I don’t suggest RBC as an investment. Back on May 12, 2011, Heather Munroe-Blum was purchasing 10 000 stocks of Yellow Media Inc. (YLO). This is the kind of very fresh lady getting overpaid for what she does and making McGill University students overpaying for their tuition fees.

Heather Munroe-Blum is certainly not a reader of the Dividend Girl blog because on May 3, 2011, me, the Dividend Girl, I was selling ALL of my YLO stocks at 4.65$. It was a genius move. I had been able to cash major part of my investment and following what, I had reinvested the money in Exchange Income Corporation (EIF). A brilliant move that Heather Munroe-Blum certainly didn’t follow. I don't think that Heather Munroe-Blum have a good pulse of the stock market.

Some people are dumb enough to enrol in those so calls best universities. McGill University is considered as one of the best university of the country. But is it the case? I don’t think so. You need to be a dumb to enroll at McGill University, agree to pay thousands of $$$ in tuition fee. I mean come on.

I decided to do better than that. :)

No matter what readers are leaving as comment, I perfectly know what I am doing. When I invest in a stock, the stock is perfectly selected to fit in the gem that is my investment portfolio. I am publishing all of the comments to show the stupidity of the readers. I don’t have anything to proof, I don’t feel like having to debate my points because guess what, the stock market, it’s the kind of stuff I handle well and it’s always getting better, better and better.

Let the Dividend Girl be and EXPLOSE in profit.

Is it a plane, a jet, a rocket? No, it’s my non-registered portfolio!

Extraordinary gains today for my portfolio! My non-registered portfolio is at... 115 365.97$! The TSX is performing well and my portfolio is simply following the waive and it’s quite cool.

I received Corby Distilleries (CDL.A) special dividend payment today: a really good 190$! I just can’t wait to see this baby DRIP. I should get a good 11 extra stocks. I had been holding CDL.A for quite a while and their recent special dividend payment is a reward I am getting for having the intelligence to hold the company in my portfolio. I know, I know. Holding can simply be the work of a pure genius. LOL! I also received a 17$+ from Methanex Corporation (MX).

I had been holding for quite sometime and I just cannot wait to see MX flying back to the old 30$ per stock. I made my purchase at half of that price a couple years ago. There’s big profit on the way, especially if the TSX decided to fly straight to the 13 000 points. Which I hope will be soon. If the US can create more jobs and if the situation remain stable in Europe, I may have my chances to get a 200 000$ portfolio value by the end of 2012. Stay tune, we’ll see what happen next.

Data Group Income Fund (DGI.UN) is now turning into a corporation of the name of Data Group Inc. (DGI). In result, Data Group Inc. (DGI) had fly to the very closed 4$ today, closing oday January 3....2012 session at 3.99$.

I had indirectly loss 1 647.87$ with this investment. I made my purchased at 6$+ per share. I am losing a lot on this one but it’s not something that upset me because when I made my investment in DGI.UN sometime in 2011, I was pleased to invest in the company. I loved what I had read about them and I also appreciate their dividend yield. If you had bought this one at an appropriate time, DGI could turn into a gold of mine for you. But if, like me, you had invested in DGI when the units were at 6$+, well, patience my dear. DGI had confirmed that their dividend will remain the same and that they are able to pay it. The dividend yield is now at 17.25%, because of the low value of the stock.

If I wasn’t already holding DGI, I wouldn’t be investing in DGI because I had now turned myself into a blue chips junkie. And it had paid off. Seek for yourself:

Agrium Inc. (AGU)

Investment made: 950.79$

Investment value now: 1 009.54$

+58.75$

Canadian National Railway Company (CNR)

Investment made: 2 144.40$

Investment value now: 2 390.10$

+245.70$

TransCanada Corporation (TRP)

Investment made: 1 016.74$

Investment value now: 1 097.75$

+81.01$

Enbridge Inc. (ENB)

Investment made: 999.51$

Investment value now: 1 057$

+57.49$

Those are among my latest investments and because they are all high quality blue chips, they had provided a really good return in almost no time. I plan to continue this way. The blue chips strategy is working very well for me. I am rocking the TSX as always. The stock market? It’s all MINE. It’s an absurdity under my own power. Fact is, a regular Beauty Queen Next Door can easily make big bucks on the stock market. Investing is simple as ABC once you get the real basics.

But what are the real basic rules of investing by the way?

A few things: diversification in different companies, in different sector. Do not invest too much of your money on the same spot. Derek Foster old picks of the Stop Working and the Lazy Investors are still good for today’s market condition. Don’t be afraid of the market volatility. The stock market goes up-and-down, up-and-down, up-and-down, it’s always the same scheme, especially in a very rough economic situation, so you are better getting use to it. Invest in blue chips. Don’t focus exclusively on dividend yield. Beware of high dividend yield (like the one that used to offer Yellow Media Inc. (YLO). Don’t invest in Quebec companies: Le Château, Yellow Media, all poorly manage companies who only exist to make you lose money. Boost the Canadian market, not the Quebec one.

I guess it’s about it for now when it comes to the stock market super rules. I might be the only goodness investors out there who still hold Timminco (TIM) is her investment portfolio. It was just a matter of time before it happen but it’s happening now: Timminco (TIM), the ex-darling of a so call investor of the name of Eric Sprott ok, well the ex-darling had been suspended.

I guess Timminco (TIM) will go under a major reorganization. Fact is, Timminco (TIM) never recover from the 2008 stock crashes.

Lesson learns from this Timminco (TIM) disaster. What’s the lesson I learn from Eric Sprott who indirectly made be loss 4k of my own cash?

THIS IS THE LESSON LEARN:

No matter who in the world had recommended you a stock, it doesn’t matter that it is Eric Sprott or anyone else. No one will be there to help you once you face capital loss. Eric Sprott won't be there for you. No one will. Billionaires like Eric Sprott are the modern gansters. Remember that.

And also remember that:

WHEN A STOCK IS IN DEEP TROUBLE, SELL.

Now that you know all that, you should be doing fine :0)

I follow that tip when troubles began for the really shitty Yellow Media Inc. (YLO) and I had been able to save thousands of dollars. Luckily, I reinvested at the time the money in Exchange Income Corporation (EIF) and just go see for yourself how well Exchange Income Corporation (EIF) is doing at this time.

Exchange Income Corporation (EIF) is among my top performers. Exchange Income Corporation (EIF) is doing better than ever.

I know, I am pretty amazing.

Capital loss? Hummmmmmm. Seem like my top performers like EIF are simply going to simply erase all that.

I am a bit heartbroken to learn that Timminco (TIM) had declared bankruptcy. I was hoping for a recovery. I just hope that Timminco won’t get delisted from the TSX. If it does, I will be losing all my chances of recovery. But in a way, I had enough of having that poor little Timminco in my portfolio.

So bye bye Timminco (TIM). See you next time. See you in hell.

How to win big bucks on gambling slot machines... or almost

To celebrate the first day of the year 2012, I went for a visit at my local casino. I usually go there once in a while. It was my second visit in a matter of couple days. On my last visit, I had lost 15 bucks. But today, I catch up nicely, as I made 56$. I had feed the slot machine of 20$ and it decided to treat me nicely, ranking to the 76$.

My favorite slot machine game is Cherry Rain. Cherry Rain is a fun slot games. Among the way, I came with some tips that I now followed each and single time I visit the Casino to play at Cherry Rain.

It’s only a game, nothing more

First of all, when visiting a casino, you have to understand that you are not there to make big bucks. The whole thing is a game made for entertainment purposes only. 

Leave your banking and credit card at home

For the past couple weeks, I never played more than 20$ each time I visit the casino. I played 40$ once and lose it all and learned my lesson. I bring my purse and wallet with me, but it never crossed my mind to withdraw money from one of those ATM machine available right there at the casino to just feed up more the machine. To protect yourself, you might like to leave your banking cards and credit cards at home while visiting a Casino.

Cash out when you win

I played the Cherry Rain game a multiple times on slot machines and my best advice will be: whenever you win 20$+, simply cash out.

Each and single time I continued to play following a major winning gain (that would be 20$ and up for me), and that I continued to play, each and single times, I lost everything.

If you make a 20$+ on a slot machine, remember: CASH OUT or you’ll lose ALL the cash. It’s really important to stay in control. Don’t have the slot machine have the last word on you.

That’s how I made 56$ out of nothing today!

Bid more and less, drive the slot machine gambling crazy over you

I like to bid at 45 cents per shot. I sometime decreased the bid at 35 cents. Following what, I increased it at 45 cents, decreased it to 25 cents, and after, increased it to 45 cents. I go on a yo-yo basis. I increased the bid, I decreased the bid, I increased, I decreased, etc. Usually, those casino slots answered well to such treatment.

The following post was made for entertainment only. Don’t ever think that you can make money at the casino or you’ll fall into a gaming trap that can be very evil and ugly.

Investment ideas for the year 2012: newest stock picks

Following good investing moves like the one places on TRP, ENB, MX, FTS and many other, does the TSX has anything else to offer me? Well, a special reader came to the rescue and look at what I find in the list of special stocks that are supposed to perform well in 2012:

Barrick Gold Corporation (ABX)
Current value: 46.15$
52 week low: 42.06$
52 week high: 55.36$
Dividend yield: 0.988%

Canadian Real Estate Investment Trust (REF.UN)
Current value: 35.40$
52 week low: 30.32$
52 week high: 36.62$
Dividend yield: 4.068%

Canadian Tire Corporation, Limited (CTC.A)
Current value: 65.90$
52 week low: 51.80$
52 week high: 68.93$
Dividend yield: 1.821%

Canadian Utilities Limited (CU)
Current value: 61.54$
52 week low: 47.95$
52 week high: 64.36$
Dividend yield: 0.403%

Empire Company Limited (EMP.A)
Current value: 59.11$
52 week low: 50.66$
52 week high: 64.24$
Dividend yield: 1.523%

Toromont Industries Ltd. (TIH)
Current value: 21.32$
52 week low: 15.39$
52 week high: 21.46$
Dividend yield: 2.064%

Yamana Gold Inc. (YRI)
Current value: 15.02$
52 week low: 10.87$
52 week high: 17.39$
Dividend yield: 1.35%

I pick those following their chart for the past 10 years. YRI chart is not exactly of a rocking rocket, but the stock seems to be a great performer despite all. Otherwise, the 10 year chart for Barrick Gold Corporation (ABX), Canadian Real Estate Investment Trust (REF.UN), Canadian Tire Corporation, Limited (CTC.A), Canadian Utilities Limited (CU), Empire Company Limited (EMP.A), Metro Inc. (MRU.A) and Toromont Industries Ltd. (TIH) has all pretty awesome chart.

As you can see, the dividend yield is very low.

The only exception will be Canadian Real Estate Investment Trust (REF.UN). REF.UN offered a good 4.08% dividend yield. Fact is, in those difficult financial times, better focus on quality stock rather than running after high dividend yield. High dividend yields are too often associated with what I had named around here “troublemaker stocks”. Remember my investment in Yellow Media Inc. (YLO)? This poorly managed Quebec company was offering a dividend yield of more than 10%. I had held the stock for a while but I had sell YLO just before in take an in deep plunge. That was a couple of months ago in 2011. I was lucky in my move. Do you realized what would have happen if I would have hold YLO? I would have lost thousands of dollars. Currently, YLO is in real bad shape and is nothing more than a penny stock. Remember: better to stay away from Quebec companies when it comes to investment. You’ll have to satisfy your taste of glory somewhere else than in Quebec province, that’s for sure.

Susan Brunner fabulous stock analysis

I have a long way to go before I can analyse stocks the way Susan Brunner does. Her analysis’s are always very good and I have pick stocks on her blog without her authorization (lol) more than once. When it comes to stocks, I will take everything I can, I will press the lemon until there’s no juice. I had picked ATP from Susan Brunner by the way. I did great on the stock.

According to Susan Brunner, Gordon Pape had a good word for ABX at the 2011 Money Show. Good.

Luckily, Susan Brunner is actively following Canadian Real Estate Investment Trust (REF.UN). Overall, Susan is pleased with this investment. A1

Ok. NEXT.

Did Susan Brunner review Canadian Tire Corporation? Let see.

Yup!

And what Susan Brunner has to say about Canadian Tire? To do it quick, I will just say her yearly return on the stock: 11.2%.

WOW.

Susan Brunner does not hold Canadian Utilities Limited (CU) but she says that CU is known to be well-managed. Good enough!

Next.

According to my search, Susan Brunner did not review Empire Company Limited (EMP.A) yet.

When it comes to Toromont Industries Ltd. (TIH), it’s another story. Susan had been holding TIH since 2006 and made a fantastic return of more than 6% on the stock. You can read her review here.

Susan did not review Yamana Gold Inc. (YRI) yet. I don’t think so.

Overall, all of the stock mentions below have a fantastic chart. Most of those stocks had been reviewed by Susan Brunner and they could eventually join in my portfolio because they had what I considered a positive review.

This is probably going to be my last post of 2011.

Nothing better to begin the New Year with new investment ideas. Don't you think so?

Happy New Year!

Goodbye 2011, hellllllooooo 2012!

Today is the very last day of 2011 and I find it quite hard to believe.

2011 had been marked by the market upside-down. For me who had followed the stock market every single day, like many others, well, I have to say, I find that the Canadian stock market had been very EXTREMELY difficult to follow and at some point, well, you know, F U the stock market!

But wait..... It’s not the good time to flush the stock market and left it behind. 2011 had been the year of the extreme. Big gains had been followed by big capital losses. Overall, 2011 had tested the patience of investors. We had to face the market adversity and the extreme volatility.

My holding strategy had always paid off. I started investing in stocks shortly before the 2008 stock crash. Following the 2008 stock crash, I was disappointed of course because I had just invested thousands and thousands of dollars on the Canadian stock market. My goal was to make money, not to lose some! Before 2008, I had previously invested in GICs and mutual funds, so I knew kind of how to handle the market shit (there’s really no better word to describe the stock market at this point!!!).

When you invest in quality stuff that you truly believe in, when there’s no interior or exterior signs that the treasure you had invested in is in trouble, than, at that time only, the best way to beat that beast that is the stock market, well, the best of the best thing to do is to simply HOLD. There’s no other solution. You could always sell, buy something else and cross your fingers hoping that the new investment will, one day, gain so much that you’ll be able to recover from your capital losses but if you decided to do so, well, good luck because you’ll need some! Anyone who invested in stocks these days have to be seriously insane (like me) or be a stock addict (again like me).

Over time, I had become the best HOLD investor of all time. Nothing more, nothing less.

Following the 2008 stock crash, I decided to hold everything I had and it was the best decision I could ever take for my money. I hold, and I totally recover from my losses.

2009 and 2010 had been good years. But 2011...... 2011 DRIVE ME CRAZY.

Japan tsunami was among the worst experience ever. And I live it while being in Canada. Imagine for 2 sec being in Japan when it actually happen. The worst nightmare ever.

Following the Japan tsunami, I spent a lot of time trying to figure out if my portfolio would be strong enough to survive. Part of this stress comes from the unfortunate fact that I had bought some of my stocks using my margin account. My point was: the country with the third-largest economy being hit by a tsunami, this is going to take the Canadian stock market down down down, this is going to hurt my portfolio very badly.

Strangely, the TSX didn’t go down following the Japan tsunami. It was like nothing was happening. I actually stop trying to understand this nonsense.

The August 2011 stock crash was very ugly. I went to New Brunswick during the last 2 weeks of July for my summer vacations and when I came back... that was it, the stock market crash, right after my vacations. LIKE WOW.

I don’t remember the first couple months of the year 2011. I will have to read my post of the January-April 2011 to remember lol. Fact is, life was boring with my 2 jobs in a call center. But oh surprise, I left Quebec forever in August 2011. Bye bye shitty Quebec province. Bye 4 EVER.

I got a job right here in X town of New Brunswick. Better pay, better everything, but it’s not perfect. A place cannot be perfect unless I am the manager if you see what I mean. I got my mother old 2002 Toyota Echo car. In 2012, the car will be 10 years old. I will drive that car until it doesn’t pass the inspection anymore. Getting back into driving had been quite of a challenge.

What else happen in 2011?

I invest a lot of money. Some of my investments had turned out to do extremely well, like Exchange Income Corporation (EIF) and some other, like the Data Group Income Fund (DGI.UN) haven’t done so well. However, while mixing trading activities and investment activities well, luckily at the end, I haven’t loss money, I haven’t make any either. The situation is stable, and it’s absolutely very good the way it is.

2011 had been the direct continuity of 2010. In 2010, just like in 2011, I had trade a lot. I had reached in 2010 100k worth in investment, it was cool.

At this point, it had become more and more difficult for me to find the perfect investment to add to my portfolio. That’s because I already have everything I ever wanted. So it’s getting real tough!

What’s next for 2012?

First of all, for the period of January to March 2012, I will be concentrate over my RRSP account. I don’t like RRSP because that’s money invested for 30 years of now. The only reason why I invest in a RRSP is because of the tax credit it provides, no other reason. I have more than 7k that I want to invest for my RRSP 2011 contribution.

I don’t expect to trade that much in 2012, but I will certainly be investing in new stuff. I already spot some new investments! We’ll discuss more about them in a next post. Following what, if nothing else catches my interest, I will be paying off some debt of mine.

I really hope to hit the 200k value in 2012!!!

We’ll see what happen.

Today was the last trading day of the financial year 2011...

I just received some interesting dividend distribution:

Canadian National Railway Co (CNR): 9.75$

Davis + Henderson Corp (DH): 65.10$

Atlantic Power Corp (ATP): 21.94$

It’s looking good for the 7k in dividend income for 2011 that’s for sure.

On top of that, Corby Distilleries Limited (CDL.A) recently announced a special dividend of 1.85$ that will be paid on January 3. A 1.85$ is quite impressive! Because I am registered to a DRIP, I am going to get a good 9 extra stocks coming from the special dividend distribution. That’s quite some $$$. But that’s not all. Corby Distilleries Limited (CDL.A) increased its regular dividend from 0.14$ to 0.15$. Very impressive. I guess Derek Foster most regrets selling its CDL.A stocks now! I always enjoyed CDL.A. It’s a good reliable stock and the value it’s quite stable, the dividend is great too.

I am very curious to see if Sprott Inc. (SII) is going to have a special dividend for 2012. Sprott Inc. (SII) special dividend had been quite generous in 2011. Currently, Sprott Inc. 9SII) title had decreased in value, as well as the Sprott Physical Silver Trust UTS (PHS.U) and Sprott Physical Silver Trust ET (PSLV). Eric Sprott precious silver is not performing well at this time but remember, Eric Sprott said that silver is going to be the investment of the decade so we have the whole decade to catch up... LOL. Way to go Eric Sprott! Love u always no matter what. I got screw up with your Timminco (TIM) and now, I am having it hard with your silver. See what you have done to me. And your Sprott Canadian Equity Fund is not performing well either these days. Retirement? Eric Sprott, it’s time to shake up things like in the old days! GO BACK TO WORK ERIC SPROTT. GO BACK TO WORK LIKE RIGHT NOW. AND MAKE BE RICH OK?

Ok, so this is all pretty interesting isn’t? But that’s not all.

Prepared yourself, because there’s going to have MASSIVE inside trading for the very marvellous Just Energy Group Inc. (JE)!

Not that long ago, Just Energy Group Inc. (JE) announced that it will gradually buy some of its own stocks because according to Rebecca Macdonald and his fellow business partner Ken Hartwick, who’s by the way, very handsome AND he’s also from the board of directors of another company I hold, Atlantic Power Corp (ATP), the JE stock is undervalued. Currently, JE trades around 11$. Last year, when I was on a Just Energy Group Inc. (JE) real buzz (I wrote many many times about JE and it kind of got into the eyes of some fellow investors-bloggers), well Dividend Lover sent me a document coming from CIBC and it was saying about JE that my VERY precious JE was outperforming (whatever, some people really don’t know what they are talking about) AND.... watch out right here.... the target price for Just Energy Group Inc. (JE) was 17$ PER STOCK!

In the meantime, we got hit by the trouble in Europe, kind of a recession in the US, etc. etc. etc.

Because of external factors, Just Energy Group Inc. (JE) was not able to hit the 17$ per stock but one day, that day will come. And Rebecca MacDonald knows that as well. In result of their internal acquisition, Just Energy Group Inc. (JE) had decided to cancel their dividend reinvestment plan. I am not very upset about it because this will allow me to keep a 69.75$ directly into my pocket. Rock on.

Today is the last trading day of 2011! Can you imagine?

And to celebrate, I really really wanted to invest in something. I did several searches, trying to find something that will catch my interest, but I didn’t find anything. I had a 600$ to play with. The 600$ will have to remain on the margin account at this time because I really didn’t find anything.

I am still through the same thing: it’s getting harder and harder to find interesting Canadian stocks to invest in. Because of my margin situation, I mostly invest in a non-registered broker account. Forget about TFSA. I have a bit of money in a TFSA broker account, it doesn’t count for the margin value.

It’s become more and more difficult to pick stocks for my portfolio, I had faced that difficulty before. At this point, i am at 7k in dividend or almost and I really want to extend the dividend to hit higher than just a 7k. Because a 7k is just a 7k. See what I mean?

Tonight, I am going out to our local casino located on a Malecite reserved. I need to win the jackpot. Something needs to happen.

I just watch at the news that the TSX loss 11.3% this year! I am happy with my result despite not being able to shine with extraordinary gains. But a girl does what she can do.

Wish me good luck, tonight is Casino night! 

Thank you and goodbye 2011 financial year.

In 2012, back to basic: buy-and-hold portfolio strategy

The TSX may have lost close to 200 points today, it doesn’t matter, my non-registered portfolio closed today session at a bit more than 113k. I consider this as being quite good knowing the circumstances.

I will remember 2011 for the years to come. With all of my trading experiences made in 2011, I didn’t make money, but I didn’t lose any either. And this is quite extraordinary. I am not a professional, I am not a specialist. I simply try to do my best for my money.

The fact that I didn’t lose money on the stock market is just so spectacular because in 2011, the TSX past 52 weeks highest was 14 329.49 and lowest, 10 848.19 points (so far, at least). We are talking here of a difference of 3 481.30 points! In those market conditions, I consider myself very extremely lucky to be able to breathe without having to deal with capital losses. This show off the power of the TSX and we need to appreciate the quality of the Canadian stock market. With all the risks I took, I didn’t lost money. This is absolutely HUGE.

In 2011, I certainly over-trade, over-invested but I think that if I hold what I have in my non-registered portfolio at this time, chances are that I could gain in capital value. In 2011, I learned that it doesn’t worth it to go on a buy-and-sell, buy-and-sell over and over again. Its way better to simply hold, appreciate the capital gain and cash in the dividend. Simple things are sometimes too easy to follow. By buying-and-selling on and on and on, I exhausted myself and I could have used that time to do better things rather than being too active on the market and gambling my money.

However, I love the experiencing of trading. At the end, I feel it’s just something that isn’t made for me. It’s even easier to just stick-and-hold and cash in the dividend.

Merry Christmas!

Merry Christmas and Happy New Year investors!

My 2011 investing year in review

I am in vacations for the next couple of days. It’s currently snowing in the X town of New Brunswick were I am and I am currently still in my pyjama, watching Ellen show and blogging, doing absolutely nothing at all or almost. This is the perfect time to review how this 2011 year went financially speaking! Yeah!

I was EXTREMELY pleased yesterday. Imagine this: my non-registered portfolio hit the 113 243$. WOW WOW WOW. Only less than 4k is missing before I totally recover from my internal capital loss. And right now, it’s even getting better, I am at 114 035.37$. It’s all going pretty well and looking great for a complete recovery.

You’ll see below my BUY activities for my new investments add permanently I hope, in my portfolio:

Buy: iShares S&P/TSX Capped REIT Index (XRE)

Investment value (including commission fee): 1367.99$

Buy: Sprott Inc. (SII)

Investment value (including commission fee): 4 679.99$

Buy: CFX

Investment value (including commission fee): 1 479.99$

Buy: NFI

Investment value (including commission fee): 2 371.99$

Buy: EIF

Investment value (including commission fee): 1 998.99$

Buy: RSI

Investment value (including commission fee): 1 674.99$

Buy: CPA.UN

Investment value (including commission fee): 1 978.99$

February

Buy: STB

Investment value (including commission fee): 1 281.99$

Buy: GCL

Investment value (including commission fee): 2 353.99$

Buy: JE

Investment value (including commission fee): 1 575.99$

Buy: JE

Investment value (including commission fee): 3 132$

Buy: X

Investment value (including commission fee): 4 206.99$

Buy: DGI.UN

Investment value (including commission fee): 1 341.99$

Buy: DGI.UN

Investment value (including commission fee): 2 664$

Buy: WTE.UN

Investment value (including commission fee): 4 631.99$

March

Buy: KBL

Investment value (including commission fee): 2034.99$

Buy: WEQ.UN

Investment value (including commission fee): 2061.99$

Buy: DH

Investment value (including commission fee): 2107.99$

Buy: Sprott Inc. (SII)

Investment value (including commission fee): 4 974.99$

Buy: PSLV (US $)

Investment value (including commission fee): 2 039.25$ US

May

Buy: FR

Investment value (including commission fee): 1 943.99$

Buy: ATP

Investment value (including commission fee): 1 499.99$

Buy: PSLV

Investment value (including commission fee): 1 035.91$

Buy: EIF

Investment value (including commission fee): 2 399.99$

Buy: TRP

Investment value (including commission fee): 1 016.74$

Buy: K

Investment value (including commission fee): 1 667.99$

Buy: CNR

Investment value (including commission fee): 1 183.41$

Buy: FC

Investment value (including commission fee): 510.79$

Buy: CNR

Investment value (including commission fee): 960.99$

Buy: SFI.UN

Investment value (including commission fee): 486.99$

Buy: ENB

Investment value (including commission fee): 999.51$

Buy: AGU

Investment value (including commission fee): 950.79$

Those are the new comers in my portfolio for 2011! This was for the investment part, for what I plan to hold on to as long I won’t need the cash. Let see for the BUY for the day trading part:

Trading, short buy-and-sell for 2011

SPB

Buy: Investment value (including commission fee), January 27, 2011: 2 405.99$

Sell value (after commission), February 22, 2011: 2 252.01$

-153.98$

110 days x 0.2801495205479452 $ (interest of 4.25% x 2 405.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -30.82$

TOTAL: -186.08$

FTN

Buy: Investment value (including commission fee), on January 27, 2011: 1 029.99$

Sell value (after commission), on February 9, 2011: 1 050.01$

+20.02$

13 days x 0.1199303424657534$ (interest of 4.25% x 1 029.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -1.56$

TOTAL: +18.46$

HOD

Buy: Investment value (including commission fee), May 6, 2011: 674.99$

Sell: Value after commission fee, June 15, 2011: 675.01$

+0.02$

40 days x 0.0785947260273973$ (interest of 4.25% x 674.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -3.13$

TOTAL: -3.11$

YLO

Buy: Investment value (including commission fee), August 2009 + DRIP: 2 602.56$

Investment value on May 2011: 2 297.10$

-305.46$

No margin involved, for once.

FR

Buy: Investment value (including commission fee), May 6, 2011: 2 702.99$

Sell: Value after commission fee, May 9, 2011: 2 785.01$

+82.02$

3 days x 0.3147317123287671$ (interest of 4.25% x 2 702.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -0.94$

TOTAL: +81.08$

TD

Buy: Investment value (including commission fee) on February 14, 2011: 1 985.99$

Sell value (after commission) on May 9, 2011: 2 040.51$

+54.52$ + 16.50$ (dividend)

23 days x 0.2312454109589041$ (interest of 4.25% x 1 985.99$ / 365 = the interest per day (I made the investment using something name MARGIN): -5.3176$

TOTAL: +65.70$

HZU

Buy: Investment value (including commission fee) on March 7, 2011: 5 027.49$

Sell value (after commission) on March 23, 2011: 5 126.01$

+ 98.52$

16 days x 0.5853926712328767$ (interest of 4.25% x 5 027.49$ / 365 = the interest per day (I made the investment using something name MARGIN) = -9.37$

TOTAL: +89.15$

HZU

Buy: Investment value (including commission fee) on May 10, 2011: 2 912.49$

Sell value (after commission) on May 10, 2011: 2 942.51$

+30.02$

HZU

Buy: Investment value (including commission fee) on May 13, 2011: 2 942.01$

Sell value (after commission) on May 13, 2011: 2 934.99$

TOTAL: -7.02$

HZU

Buy: Investment value (including commission fee) on May 18, 201: 1 903.99$

Sell value (after commission) on May 18, 2011: 1 930.01$

+26.02$

HZU

Buy: Investment value (including commission fee) on May 19, 2011: 2 961.99$

Sell value (after commission) on May 24, 2011: 3 056.01$

+ 94.02$

6 days x 0.3448892465753425$ (interest of 4.25% x 2 961.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -2.07$

TOTAL: +91.95$

Buy: HZD

Investment value (including commission fee) on May 5, 2011: 2 669.99$

Sell value (after commission) on May 5, 2011: 2 730.01$

+60.02$

Buy: HZD

Investment value (including commission fee) on May 11, 2011: 2 729.99$

Sell value (after commission) on May 11, 2011: 2 750.01$

+ 20.02$

HZD

Investment value (including commission fee) on May 12, 2011: 3 125.99$

Sell value (after commission) on August 18, 2011: 1 878.01$

-1 247.98$

98 days x 0.3639851369863014$ (interest of 4.25% x 3 125.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -35.66$

TOTAL: -1 283.64$

SII

Investment value (including commission fee) on January 17, 2011: 4 679.99$

Sell value (after commission) on February 7, 2011: 4 967.31$

+ 287.32$

21 days x 0.5449303424657534$ (interest of 4.25% x 4 679.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -11.44$

TOTAL: +275.88

JE

Investment value (including commission fee) on February 7, 2011: 4 707.99$

Sell value (after commission) on February 14, 2011: 6 279.69$

+1 571.70$

7 days x $ (interest of 4.25% x 4 707.99$ / 365 = the interest per day (I made the investment using something name MARGIN) = -3.84$

TOTAL: +1 567.86$

PHS.U

Investment value (including commission fee) on February 14, 2011: 5 424.91$

400 units at 13.49$

Sell value (after commission) on February 15, 2011: 3986.94

300 units at 13.72$

+46$

PHS.U

Investment value (including commission fee) on February 22, 2011: 7 017.60$

Sell value (after commission) on March 1, 2011: 7 049.68$

+ 32.08$

7 days x 0.8171178082191781$ (interest of 4.25% x 7 017.60$ / 365 = the interest per day (I made the investment using something name MARGIN) = -5.72$

TOTAL: 26.36$

OVERALL TOTAL: +648.87$

I know, I rock the place. With all the risk I took, I am extremely lucky to finish the 2011 year on a positive trading note. I work a big part of the day of this, so I hope you enjoy!

Overall, including the proper investment and day trading, I bought for over 114 000$ value in stocks this year! Funny fact, my non-registered portfolio currently worth 114 222.08$! 2011 had been a chaotic trading year. I had bought, I had sell, made money, lose money. I won’t be ever again trading like that of my life that’s for sure! Aie, aie aie!

2012 is going to be much soother for many reasons. First of all, it’s not anytime soon that I am going to buy stocks by using money from my margin account. The experience was fun, but I am extremely lucky to have gone through the whole thing without getting deep into losses. This was suicidal! I totally assume my entire investments move despite the craziness.

The whole day trading began shortly following November 2011, when Sprott launch the very fantastic Sprott Physical Silver Trust UTS (PHS.U). I began to buy and sell PHS.U on a regular basis. At the time, silver was a rocket, it was going up-up-up!

I always promised myself that if I would be to lose control over my investments, if my loses exceed my gain, than, at that time, I will stop investing and of course, stop blogging.

At the time, I am on a negative note but I find I did very well knowing:

a) All the trading involves in 2011.

b) The level of risk I took (day trading is RISKY).

c) Bad economy worldwide.

Let’s calculate the overall if you don’t mind:

Amount of money made on trades (non-registered): +648.87$

Non-registered portfolio current value: 114 257.34$

Securities book value: 117 836.15$

-3 578.81$

Interest on debt that are part from the non-registered portfolio: -3 564.03$

Dividend gain so far: 6 768.30$

+648.87$ -3 578.81$ -3 564.03$ + 6 768.30$

= +274.33$

This means that I am finishing the year 2011 with a POSITIVE gain of +274.33$ inside my non-registered portfolio.

This is actually VERY VERY good.

Why should be happy about a gain of +274.33$?

BECAUSE AT LEAST, I AM NOT LOOSING MONEY.

Don’t forget: if my loses exceed my gain, its game over.

No more investments, no more blog.

As usual, I am invincible. I consider myself lucky for not finishing on a negative note actually. I know my way to calculate is like unconventional, I am not counting the 30% taxes on the dividend income ok, but a girl does what she can do.

Will 2012 be as much WILD?

We are going to find out soon...

Hot chick with a 112 738.93$ non-registered portfolio

Who's that girl?

ME THE DIVIDEND GIRL.

Of course........

I think we may be on the road to finish the year 2011 on a positive note. The situation seems to get better in Europe. At least, the situation is getting stabilize. And that’s a good thing. And all the good things going on right now are just adding up to my portfolio. I am at a very good 112 738.93$ in my non-registered portfolio. I have the possibility to hit the 115k very easily in a good market condition. I feel the overall 200k is SO NEAR BY! We’ll see how it goes, but my feeling is good. I am going to go back to the 117k really soon. It’s now just a matter of when. And when it will happen, it will be a day of celebration.

My latest investment in Agrium Inc. (AGU) had been one of the greatest moves EVER. On December 14, I invested in Agrium. At the time, I bought stocks at 67.20$. Agrium Inc. (AGU) closed today session at 69.76$! This is very good and stuff like this really helps me to beat the internal capital loss I am experiencing right now in my portfolio. I don’t mind handling that shit of stock market we are in right now but I need to see a recovery and at 112k+, I am actually seeing a sign meaning: you bitch know how to invest FOR SURE. KIND OF.

Are you Christmas ready?

I am :)

Remember the name: XOXOX – Part 2

It doesn’t seem like it, but I am currently very busy. It’s the 2011 year count down! Only less than 2 weeks to DO EVERYTHING that needed to be done for 2011! CRAZY! LOL!!! Anyway, one of the thing I had to do and was a real misery is to contact Revenu Québec regarding the letter they send me the other day. I call the Mrs. XOXOX who handles MY case. Well, the lady that I previously exposed the name instead of this ridiculous XOXO was.... in vacations! Thank YOU! Very extremely helpful! I spoke to someone, explain I need a delay to have the case close and classify... I took the name of the guy of course but I won’t write it in here LOL! I call them because I try and I try to speak to someone at my old job but could only reach voicemail.

So I call Revenu Québec saying I couldn’t reach no one and that I needed more than just 21 days to lode the thing. So than I was told that the insurance could provide the letter needed. I call the insurance company I had at the time, which was Desjardins and it didn’t take long, I was told I will be provided a letter really soon. I didn’t have too many explanations to provide, as I was told those kinds of letters are quite common. So Quebeckers are not that full of shit after all. :)

All this is concerning the medical insurance related to the RAMQ. Something happen. No matter what, I am ready to fight and FIGHT hard. So by ready! I am going to start with the letter and if it turns out to be ugly, I am going to move to the next level, if you see what I mean. The name will simply be put back on my blog. I know, but if you decided to be a bad girl, need to be very very badddddddd.

Quebec province is not going to get a single penny out of me. NO WAY! I must admit, at a point, I was eligible to get my employer insurance but I didn’t want to get it. Remember me: I am the lady who’s NEVER sick. And this is true! I was in Quebec for the past eight years or so and I NEVER went to the hospital, never went for a medical visit at a clinic, never went to a CLSC. I never benefit from anything of that damn Quebec health system. So I paid and I paid like crazy, but I never benefit of ANYTHING. And forget about getting medications. I don't need any of that either, luckily.

I look pretty sharp like that, but each single time I get something from that Revenu Québec shit, I am the one who`s wrong, like all the time F*! Anyway, I cannot wait. While being with the phone with a probably very hot guy from Revenu Québec, I asked if he known how much I own Revenu Québec. He couldn’t tell because the letter was needed. I have other things to do than just talk to some probably very handsome gentleman over the phone you know!... WHATTTTTTTTTTT. LOL.

It seems like that Mrs. XOXOX is specifically assigned to the RAMQ cases like mine. Must be a very badly boring jobbbbbbb! AHHHHHHHHHHHHH!

Merry Christmas Quebeckers and Happy New Years....... even to YOU! LALALA.

Tim Hortons (THI): a Gordon Pape super stocks. Really?

So far for 2011, Gordon Pape super stocks selection is: Enbridge Inc. (ENB), Canadian National Railway Co (CNR), BCE Inc. (BCE), Toronto-Dominion Bank (TD) and Fortis Inc. (FTS). To this selection, Gordon Pape recently adds Tim Hortons (THI). Why oh why? But hey, Gordon Pape is Gordon Pape. He’s certainly not the Dividend Girl! lol! I appreciate Gordon Pape but sometime, I totally disagree on what he says. However, you cannot have better TFSA advices than those provide by Gordon Pape. He knows it all when it comes to the financial non-sense literature, so got to pay the guy some respect. At least.

Among Gordon Pape super stocks, I hold ENB, CNR and FTS. During the 2011 financial year, I had invested in TD Bank, but I sold the investment at profit after a couple of weeks of holding. I am not a fan of everything related to finance. I only hold a couple of financial stocks: Sprott Inc. (SII), Bank of Nova Scotia (BNS) and Davis + Henderson Corporation (DH). The reason why I don’t like financial stocks is because they are too sensible to the stock market volatility to be massively hold inside a valuable investment portfolio.

And what about BCE Inc. (BCE)? I exposed my view on BCE Inc. (BCE) before. I don’t think BCE is a good stock to invest in for multiple reasons that you can read on here.

Is Tim Hortons (THI) a good investment? I do go to the Tim Hortons once in a while. For Christmas, I bought my father a 50$ Tim Hortons card. I really didn’t know what to offer and a Tim card was perfect because he goes to the Tim Hortons quite often. So when it come to Tim Hortons, I know the place, I know the products.

However, at 49.03$ per stock, I find Tim Hortons (THI) stock price quite expensive for a company only selling coffees, bagels and donuts among other. On top of an expensive stock price, the dividend yield is low. Only 1.387%. Who’s making profit on Tim Hortons (THI) lucrative business? Certainly not the investors – and certainly not the employees either who are, for the vast majority of them, probably receiving a minimum wage salary. The company is not really generous in term of wage and dividend. Those are 2 factors to take into consideration. Here’s something else that will help you understand better my position regarding Tim Hortons (THI).

At 30.27$, my Pembina Pipeline Corporation (PPL) is much lower in term of stock price or value, but pay a lot more in dividend – 5.154%. I began to invest in PPL when stock price was under the 15$. Enormous gain $$$.

We cannot compare Tim Hortons (THI) to Pembina Pipeline Corporation (PPL) in any way, but you can certainly get better for your money than THI. At this point, THI is in among its highest value. I don’t think that Tim Hortons worth 49.03$ per stock. I don’t believe in that over rated stock value.

It could be a good idea to eventually add a few stock of Tim Hortons (THI) in my portfolio to add up to my internal diversification, but at 49.03$ per stock, it’s something that really needs to be think of. I prefer to invest in other companies. Agrium Inc. (AGU) was my latest investment and it was a good one. Now, my only problem being what’s going to be my next investment? That's the eternal question.

Fact is, it has become a real challenge to invest these days. I do my best to add new stuff in every month but it’s really not easy. It’s getting more and more difficult to pick stock. 

More money, more problems.

Look who has a non-registered portfolio worth 110 554$!

Of course, that person is ME! This is quite good compared to the 109k of a couple of days ago. My newest investment in Agrium Inc. (AGU) is performing well. Overall, my situation is improving. Currently, in my non-registered portfolio, I am experiencing a loss of 7 246.30$. I had invested a total of 117 800.30$.

117 800.30$ - 110 554$ = 7 246.30$

Not too long ago, the capital loss was only of 5k. It’s doesn’t take that much in order for me to stabilize the situation. Once the market rebound, that 7k capital loss will simply not be there anymore. This is paper stuff related.

I am not experiencing a direct capital loss of 7 246.30$ in my portfolio. A capital loss is direct when it results from the sale of stocks. However, while holding, everything is possible, especially with a blue chips oriented portfolio. And that’s exactly what I am looking into: to get a maximum of high quality Canadian blue chips in my already super-super portfolio to stabilize the value, upgrade the dividend income and rock the TSX ok.

While facing capital loss in stuff you hold, it’s really important to analyze the situation. With my actual position, I feel comfortable. I can go to work during daytime and I know for sure that my portfolio value won’t collapse overnight. Fact is, we live in a capitalist system and retail investors like you and I need to take advantage of the shitty system. Being exposed to the stock world involved dealing with a lot of risk, but it’s also rewarding. However, it takes good nerves to be able to support the market volatility. Just that part will decide if you are going to win or lose on the market. For 2011, I am not winning, but I am established for the long term. And while waiting for my portfolio to BOOST in value, I will simply to another thing that I do best: I will just keep the entertainment ON.

For 2012: a net worth of 100k and a portfolio value of 200k

With the help of my latest investment in Agrium Inc. (AGU), my non-registered portfolio closed the day exceeding the 110k. It takes a LOT of money and a LOT of investments to be able to make it to the mark of 110k. It’s not getting any better and I have a feeling that I may have to close the year on a negative note. However, the recent blue chips I add on lately, like AGU, CNR, TRP and ENB, just to name those few, increased my chances to be able to register great gain. But that will have to be considered for the long term only.

2011 had been a chaotic year. I will remember for a very very long time the year of 2011. The first year of a new decade. Very complicated, complex year overall. I had invested a lot of money. For a little while, my portfolio was doing very well. But during the year, there’s been a couple of crash, and my portfolio got badly hurt. I think I can possibly get a net worth of 100k by the end of 2012 and, why not, a 200k portfolio value.

One of my best investment moves of 2011 would have been certainly in Canadian National Railway Co (CNR). I initially invested in CNR when the stocks were only at somewhere to 65$. Westshore Terminals Invest Corp (WTE.UN) and WesternOne Equity Income Fund (WEQ.UN) were also 2 very good investments.

Financially speaking, the most significant event was the proposal made by the Maple Group to acquire the TMX Group (X). The whole thing is pretty much disgusting and the closure of the deal is being pushed every 6 months. Instead of giving a reasonable delay, like one year for example, the TMX prefer to treat foolishly its investors. Well, I am going to tell you, at this point, if the deal go through, I will be cashing in a 50$ per stock and if not, I will just keep TMX in my portfolio. TMX dividend is not exactly awesome, but is quite reasonable and X had earned great value this year. The TMX Group is not a very well manage company, but you need to take your chances on it like I did. But I wouldn’t recommend you to invest in TMX Group (X) at this time because its situation is far from being reasonable and stable. You can get better for your money.

Liberal MP Justin Trudeau: another Quebecker full of sh*t

For those are you who are strictly interested in this blog because of my wonderful super-powerful investment abilities, the following post is not for you. I must admit, the title of the present post has exactly the kind of PUNCH I am looking forward to have on this blog. Here are the facts: I am the anonymous blogger looking forward to provoke readers with my bad writing and a “graphic language”. I even prefer “coarse language”.

Your better stick to your words or I won't vote for the Liberal Party ever again of my life!

On the other hand, Justin Trudeau is a political figure who’s supposed to know how to behave publicly. However, seem like Justin Trudeau is opting for a provocative behaviour that is not ok for an MP to have. If you haven’t heard about what happen, you can read about it here.

Justin Trudeau doesn’t work hard for his money. No matter that he work well or not, he’s getting paid as long as he’ll be an MP. Look at his fresh face, wrinkles-free. I mean, that’s not the face of a hard working man who knows how to behave in the House of Common. Justin Trudeau has a baby face. The face of an immature man.

Do you really want an immature man to become the leader of the Liberal party? Come on!

You need to face adversity in loyal manners if you want to become a leader. Justin Trudeau should take example on Barack Obama. Gentle and kind, totally in control, but fight likes a bulldozer. Actions can change the world. Not bad words.

Justin Trudeau is desperately in need of attention. Desperately in need of media-people attention. Want to become a leader? BACK OFF. I don’t want a Quebecker full of what you can imagine to become leader of a federal political party.

Leave the coarse language to bloggers, Justin Trudeau. Learn by your mediocrity.

Welcome in my investment portfolio Agrium Inc. (AGU)!

Ok, I know, with this week pay cheque, I was supposed to convert Canadian dollars into US ones and following what, I was supposed to invest in a US blue chips. That was actually BEFORE the TSX began to drop some points AGAIN.

Because of my margin situation, I need to be very careful the way I handle my finance. I really need to add up to the value of my non-registered portfolio. That way, I decrease my chances to get a margin call or worst, having part of my precious portfolio sold out. I don’t have too many choices, I need to pay off my margin or invest in Canadian dollars. I decided to invest in Canadian dollars. That’s how I invested in some stocks of Agrium Inc. (AGU) at 67.20$. AGU closed today session at 67.13$.

A sign that this worldwide economy is in a real bad shape are the numbers coming directly from the U.K. Personally, I always taught of the U.K. as being one of the best economies worldwide. But seem like no one can go intact of this bad economy. According to the Globe and Mail, Britain’s unemployment rate hit its highest level for 17 years!

Too bad. Love those British people!

While having those things in mind, it’s important to adjust to the overall situation. It was a good idea to get more of those fantastic US dollars – I was certainly happy about the idea – but with those circumstances, I preferred to stick to Canadian stocks.

Sorry US dollars!

My investment made in Agrium Inc. (AGU) today is close to 1 000$. This amount only provides me a couple of stocks – even less than 20. But no matter how much stocks I hold of AGU now, AGU certainly bring a nice diversification in my maybe too pipeline oriented portfolio. Agrium Inc. (AGU) is a potash producer. The company announced today an annual dividend increased from 0.055$ to 0.225$. Nice, but Agrium Inc. (AGU) dividend is not exactly what I will name as being generous.

However, I think that Agrium Inc. (AGU) can bring a great deal in my investment portfolio.

Also today, Agrium Inc. (AGU) announced that measures had been taking for the company to increase its potash production of 50%. That’s quite something right there.

Overall, AGU chart is impressive. In the past 52 weeks, AGU lowest value had been of 63.93$ and highest 98.02$. I place my trade at 67.20$. At 67.20$, I am not that far away from AGU lowest value of 63.93$. There could be some volatility on this stock, but the try really worth it. Imagine if my stocks reached one day 100$! My investment in AGU could turn out to be very lucrative in the future.

Even following this new investment, my overall non-registered portfolio value is under the 110k. Sad but at least, I am still holding to a job. I am not from the statistic. At least for now.

Remember the name: XOXOX

Want to get another proof of Quebeckers very limited intelligence?

Ok, here we go again.

XOXOX.

XOXOXO is the person from Revenu Québec who’s currently reviewing my 2009 tax declaration. I have absolutely nothing to hide. I don’t have any problem at getting verified, but please, don’t act stupidly. I generally make 40k+ a year, quite not bad salary. The woman is going to get the hell of a job to do on my declaration because while living in Quebec province, I had been working at different jobs at the same time, on top of that, I had a mix of investment incomes, RRSP contribution, TFSA, I also had a little income coming from this blog. Absolutely EVERYTHING had been declared. Absolutely everything. I am clean. I am not into dope. 2009 had been quite a good year financially speaking.

I am not a cheater. I am not a liar. I am like that on this blog and as well as in life.

I am perfect, just like my investment portfolio is.

I am not that perfect actually. I cannot take any bullshit coming from Quebeckers!

I had received a letter from that lady asking me to get a letter from the insurance company I had at the time. It’s concerning my contribution to the Régie de l'assurance maladie du Québec (RAMQ). She wants to know how much the insurance company had contributed to the RAMQ. In English, you could translate the RAMQ by the provincial health insurance.

I unfortunately lived in Quebec province for many years and I know too well that their system does not worth shit! No want can actually came here and say that I am saying wrong about this! You really need to experiment Quebec mediocrity by yourself to have a real sense of what the shit is all about.

While living in Quebec for several years, I NEVER had the chance to benefit from the health system. I never been to the hospital, I never been able to find a family doctor, I NEVER had my annual check-up down, I NEVER went to the CLSC, I NEVER went to a Quebec hospital of my life, NEVER. I NEVER received any services coming from the Quebec provincial system.

I am very lucky, I am actually NEVER sick. I am a kick-ass investor and my “ass” is in good shape thank you very much. You don’t know what you read here until you get a real sense of what this whole blog is all about. It’s about money, it’s about power, it’s about being Canadian.

I don’t want to have anything to do with a province that is not loyal to Canada. Fact is, Quebec province cannot handle its provincial health system. I had paid for a service that I NEVER of my years living in Quebec been able to benefit. And now, those idiots of Quebeckers are asking me a proof that I had paid for a service that no one allow me to benefit!

What the hell!

Only Quebeckers can be that dumb.

The letter include my social insurance number. Not very intelligent to add in a letter my social insurance number.

What I am going to do is fill a complaint and ask why I am getting verified over a service I never been able to benefit. I am going to sue the poor Quebec government with a small claim just to really pissed them off. You’re not going to pissed on me but on yourself!

Quebec system is all fuck up. Living in Quebec was a total waste of time for me. The taxes are extremely high and on top of that, the social environment is crap.

To XOXOXO; go check the 2009 tax declaration of Brian Mulroney to see if he had steal money from Canadians once again!

Check declaration of criminals like Brian Mulroney but don’t after me playing it smart with you RAMQ.

I am not a criminal and the RAMQ had been paid by the insurance of my employer.

Stay away from Quebec province if not, the same thing could happen to you!

Want to get EXTREME about dividend investment?

I have this reader that I name in here as being the mountain lion hero (killer). You got to read about this one if you ever had. It happens that the mountain lion hero is quite of an interesting sophisticated investor.

One day, following the sending of what I will call “junk mail”, I asked him if he had anything related to stock to send me as info instead of his junk mail lol. It turns out to be a completely hilarious email from my part, of course. And I think he found it quite funny because the reply I got from him was just fantastic.

I did even worse than this once. A man sends me an email one day and without knowing more about him, I simply reply the following:

WHERE DO YOU LIVE AND HOW OLD ARE YOU?

:0)

This is exactly how I make male readers go crazy about me.

It’s not anytime soon I am going to show part of the beautiful me on the Web, so I have to find away, other than money, to get the attraction and interest going.

Ok, so here we go. Are you ready?

I am just going to copy and paste the fabulous content. I don’t feel like writing much, I didn’t have breakfast yet.

The hot stuff is in here:

“OK my girl.....check this out....

Call these up and look at the yield: (HEE) (HEJ) (HEX). These are "Covered Call" ETF's. The yield varies from month to month.........Highest yield yet was for (HEJ) in November 36% (yearly)

Don't jump in until you study how they work for a few months

Here is my tracking on (HEE)

Horizons Enhan. Inc En (HEE) Monthly Dividend paid shown below
Nov $1.56/yr (21.09%) or $0.13011 for just that month
Oct $1.66/yr (21.58%) or $0.13886 for just that month
Sept $1.59/yr (21.06%)
Aug $1.42/yr (18.81%)
Jul $1.50/yr (19.87%)
Jun $1.46/yr (19.34%)

Here is my tracking on (HEJ)

Horizons Enha. Inc. Intl. (HEJ) Monthly Dividend paid shown below
Nov $3.50/yr (35.55%) or ($0.29135) for just that
month
Oct $2.77/yr (26.88%) or ($0.23112) for just that
month
Sep $0.92/yr (16.21%) or ($0.07639) for just that
month

Note: the yearly dividend amount is theoretical and is 12 x the actual dividend paid for that month so:

(HEJ) paid $0.29135 for the month of November so for theoretical yearly numbers multiply this by 12 and this gives us numbers that can be compared to other stocks and ETF's - all of which are shown for a year.

The calculations have to be performed each month because of different cash payouts each month.

Here is the website to explain how the energy one works: “Horizons Enhan. Income En. ETF (HEE)”:

http://www.theglobeandmail.com/globe-investor/markets/stocks/summary/?q=HEE-T

Go here to see ALL Horizon dividend payouts to compare (it's an address not a link - you will have to copy it and paste it to the address bar in your browser)

http://www.theglobeandmail.com/globe-investor/news-sources/?date=20111020&archive=cnw&slug=C6232

The rest of his email was regarding his junk content he had sent previously. But just if you want to know:

“"Meat Glue" itself isn't unhealthy.......But when it's used to make a "pretend" steak you must cook it to at least well done or the bacteria trapped inside could survive and you could get sick from that.”

Meat glue is scary.

What do you think about the stuff of the mountain lion hero? Pretty impressive isn’t?

His ETFs are in US dollars.