This is a great number: $166 750.25

I haven’t invested my investment portfolio since a little while and the time had come to make a little refreshment. My overall portfolio value is of $166 750.25, which is very good knowing I had cashed in more than 4k through the Maple Group deal over the TMX Group Inc. (X). I am carrying a $83 259.17 on my super strong back J And my net worth is about the same amount, so it’s a pretty sexy half-and-half.

The RBC mutual funds that I used to have in my RRSP had been sold out. I still hold the money in fresh cash, I didn’t have time to reinvest it. But for now, cash will be just fine. And if you have note, we are welcoming a new investment: Geovencap Inc. (GOV). Don’t ask me anything about it because I am really not interested. It’s a stock related to Blue Note Mining (BNT). One more time, the Quebeckers of BNT are trying to save their furnitures. Blue Note Mining simply CANNOT deliver. SO PLEASE, do not invest in BNT or GOV. It will only be a waste of time and money.

For the past couple weeks, I have been cashing on the dividend. I do not have any DRIP, only for the RRSP broker account part. So I am happily cashing in the dividend. I am looking forward to decrease my margin to 50k. Really soon, that goal will be meet.

I would like to invest in some TD stocks. OK, I know what you are thinking. Yes, TD Waterhouse brokers sometimes are pissing me off, but no matter what TD Canada Trust is a good bank. It’s recently been classed within the 20 safest banks in the world. Chances are that TD will soon increase its dividend. And let’s face it, I always got a good service from TD. I may buy some TD stocks real soon.

I don’t get alone very well with TD Waterhouse male broker; it might be just a sexual thing or something going on. LOL. A girl, a guy and some stocks… Got the picture? I am slowly going to broke the bones of those lovely brokers and give them a French kiss.

Anyway, I am doing very very fine. On the stock market, you can count on the Dividend Girl to make some valuable cash and cash in all the dividend of the world.

You are just so lucky to be reading this blog at this moment. I envy you.

My investment portfolio on date of August 17, 2012

Savings: $535.94

Non registered Investments:
Stocks and Units investment portfolio $CAN
Sprott Inc. (SII): $4 493.55
Timminco (TIM): $1
Blue Note Mining (BNT): $12
Bank of Nova Scotia (BNS): $5 860.80
Hanwei Energy Services (HE): $18
Methanex Corporation (MX): $2 990.09
Fortis Inc. (FTS): $3 665.67
Pembina Pipeline Corporation (PPL): $12 705
Just Energy Group Inc. (JE): $9 190.24
Pengrowth Energy Corporation (PGF): $1 656
Enbridge Income Fund Holdings Inc. (ENF): $7 915.96
Corby Distilleries Limited (CDL.A): $1 965.35
Davis + Henderson Corporation (DH): $4 207.68
Premium Brands Holdings Corporation (PBH): $8 049.31
EnCana Corporation (ECA): $4 600.96
iShares S&P/TSX Capped REIT Index (XRE): $2 721.18

Horizons Gold Yield Fund (HGY): $1 875.42
Canfor Pulp Products Inc. (CFX): $988.20
New Flyer Industries Inc. (NFI): $1 593.28
Exchange Income Corporation (EIF): $8 255.28
Rogers Sugar Inc. (RSI): $599.45
Student Transportation (STB): $1 401.70
Colabor Group Inc. (GCL): $873.12
TMX Group Inc. (X): $381.52
Data Group Inc. (DGI): $2 896.70
K-Bro Linen Inc. (KBL): $2 775
Westshore Terminals Invest Corp (WTE): $5 314.20
WesternOne Equity Income Fund (WEQ.UN): $3 268
Atlantic Power Corp (ATP): $3 275.90
First Majestic Silver Corp (FR): $3 456
Kinross Gold Corp (K): $1 242.73
TransCanada Corp (TRP): $1 139.25
Canadian National Railway Co (CNR): $2 746.20
Firm Capital Mortgage Investment Corporation (FC): $533.60
Sprott Strategic Fixed Income Fund (SFI.UN): $430
Enbridge Inc. (ENB): $1 107.12
Agrium Inc. (AGU): $2 570.36
Canadian Utilities Limited (CU): $1 470.63
Veresen Inc. (VSN): $852.06
Chorus Aviation Inc. (CHR.B): $591.24

Crescent Point Energy Corp (CPG): $920.70
JFT Strategies Fund (JFS.UN): $1 950
Keg Royalties Income Fund (KEG.UN): $708

Geovencap Inc. (GOV): $1.70

TOTAL: $123 270.15

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 796.08
Cash: $4.12

TOTAL: $1 800.20

Tax-free savings account (TFSA)
EnerCare Inc. (ECI): $26.07
Dumont Nickel Inc. (DNI): $862.50
Sprott Physical Silver Trust UTS (PHS.U): $2 329.68
Cash: $4.75

TOTAL: $3 223

RSP investment portfolio:
Sprott Canadian Equity Fund: $4 627.34
Claymore Gold Bullion ETF (CGL): $4 887.48
EnCana Corporation (ECA): $2 256.24
Emera Incorporated (EMA): $7 584.22
Sprott Physical Silver Trust UTS (PHS.U): $776.56
Cash: $6 003.02

CIBC Dividend Growth Fund: $561.86
CIBC Emerging Markets Index Fund: $298.16
CIBC Monthly Income Fund: $1 052.99

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

GIC National Bank: $1 242.70
GIC Plus TD: $500

Maritime Life International Equity Fund
(Templeton): $584.15
Manulife Simplicity Growth Portfolio: $878.84
Maritime Life CI Harbour Seg Fund: $1 061.14
Maritime Life Fidelity True North Seg Fund: $1 012.92
Manulife GIF MLIA B World Invest: $631.76

Great-West – various: $1 957.04
Various other mutual funds: $675

TOTAL: $37 795.87

Social Capital at Desjardins Membership share: $40

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
($85.09):
$166 750.25

My debt situation on date of August 17, 2012

$7 875.45 at a low interest rate of 4.75% (RRSP credit line rates) = $374.08 in annual interest

$4 900 at a low interest rate of 4% (credit line rates) = $196 in annual interest

7 900.38$ on a credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = 229.11$ in annual interest

6 593.61$ at low interest rate loan at 5.50% (student loan) = 362.65$ in annual interest

5 000$ at 8.75% (credit line) = 437.50$ in annual interest PAID OFF

$10 000 at 9.30% (credit line rates) = $930 in annual interest PAID OFF

$54 162.26 at a low interest rates of 4.25% (margin money coming from my broker account): =
$2 301.90 in annual interest

$1 827.47 at 0.99% for a year (with American Express) = $18.09

TOTAL: $83 259.17

TOTAL in annual interest: $3 481.83
[In date of August 17, 2012]

A $122 303.87 that look very great

My non-registered portfolio is at a very great $122 303.87. My book value is of $124k. I have over 15k available on my margin account. And I have 51k borrowed on the margin. The data are quite good. I would like to decrease my margin to 50k over the next few months. It won’t be now, because I have some plans ahead for my fabulous margin money.

Today was a very great day on the market. The TSX exceed the 12 000 point. I hope it will last. With the acquisition of Maple Group over the TMX Group Inc. (X), I had cashed in several thousands of $$$ this week. I am really not in a rush to reinvest that money, especially now that the market is on a super peak.

Currently, I only have less than $2 800 to pay on my RBC credit line. You remember the one at 9.30%? Well, I had decided that tomorrow will be the day. I will pay off my RBC credit line using my margin money. I am currently waiting for a paycheck for my freelance work of close to $900. I also have like $220 available on another credit line. I will be able to reapply a bit more than a 1k on my margin account really soon. And following what, I would like to have not more than 50k in used on my margin account. So I will have just a 1k to reapply in there. All pretty realistic goals.

My contract may end in September, so I need to be extra careful with my next money moves, even if I am going to touch unemployment. Better be careful with money these days. And strangely, as said, I am not in a rush to reinvest. I am just happy to have a little cash flow to rely on. I have received something like $200 in dividend money lately. I haven’t time to enter any dividend on my we will all it calendar. I am quite busy and I am really into dark when it come my next investment move. Too busy and tired. My bad side of the past days coming from right there.

So it’s about all for the good money news. Getting rich and richer despite a sexy bad taste of humor.

TD Waterhouse Brokers: Sexy voice, but bad customer service

YEAH!

What I had been waiting for so long finally happen: I had received my $50 per stock for my TMX Group. Owning less than 200 stocks, I taught TD Waterhouse would had the common sense it take to sell all of my TMX Group see at $50, but NOT. Don't expect too much from TD Waterhouse. TD is part of the Maple Group, so they are not really reliable anymore.

I have more than 90 stocks of TMX Group Inc. (X) that got sell at $50 per stock, but I have a few stocks remaining in my portfolio while I wanted ALL of my XXX stocks to be sell LOL. See what I mean? Maple Group is only garbage and I told so to the TD Waterhouse broker. I was talking to a smoothhhh voice, but not an intelligent one. I wanted a $9.99 credit so I can sell the remaining left of TMX Group sh@t. But the TD Waterhouse monster broker REFUSED to credit me 9.99 so I can freely sell the salvation stocks of TMX Group remaining in my portfolio.

I am really disappointed at TD Waterhouse and I am SERIOUSLY thinking about switching of broker.

RBC Royal Bank is a criminal bank: DON'T DEAL WITH RBC

RBC Royal Bank is far from being a reliable bank. First of all, back in March, I had received the following news: for no reason at all, the interest rate on my credit line had been increase of 3%. I always paid on time, I never missed one single payment. My response to the f@ckers? I SOLD OUT ALL OF MY RBC MUTUAL FUNDS. It’s not anytime soon that I am going to invest again with RBC Royal Bank. Never of my life that is going to be very longgggggg and very healthy is you see what I mean $$$ am I going to invest with RBC Never Ever Again. I am about to transfer the fund to TD Waterhouse (I am just missing the F statement that need to be F print out). LOL ahaha (this is supposed to be a diabolic laugh).

And now, the bunch of losers of RBC Royal Bank have to pay 500k to the victim of Earl Jones.

NEVER INVEST UNDER SOMEONE ELSE THAN YOURSELF. NEVER.

The case of Earl Jones was pretty scary. Some really rich has lost a wholly bunch of money. Earl Jones wasn’t even a financial planner. He was just a poor man good at playing the I-know-all-the-stock-market-trick.

I wrote it many times before, there is no real stock knowledge. The stock knowledge doesn’t exist.

So basically, you are going to invest, and you are going to keep the fingers CROSS all the way because NO ONE knows what will happen NEXT. Got it? From the time you get it for real, you are on the road for a successful $$$ investment portfolio. Get it real.

I HATE QUEBECKERS.

See, Quebeckers are among the poorest and the most taxable people on Earth. In result, their people are pretty dumb. Never put your faith and trust in Quebeckers.

Latest example would be SNC-Lavalin.

You just have to see how Quebeckers handle the student strike. They make lost thousands and thousands of dollars to students coming from New Brunswick, Ontario, Manitoba, Nova Scotia, etc… Are those poor students going to be refund? HELL NO. Don’t count on it. Quebeckers are among the most hypocrite people you’ll ever meet. Trust me on that one.

To be successful on the Canadian stock market, don’t invest in Quebec companies. I lost hundred and hundred on companies like Timminco (TIM), Blue Note Mining (BNT) and Colabor Group Inc. (GCL). Quebeckers are cheaters and liars and are very well represented in the persona of Jean Charest.

Canadians shouldn’t do any business with Quebeckers. They are dumb enough to believe that they can do better by their own, by being a country of their own. GO FOR IT MY BUNCH OF IDIOTS. Quebeckers are not reliable and they have been cheating on the Canadian country like forever now. It’s time for Canada to move forward, to say goodbye to the little bunch of F@ckers. It’s time to move forward for a stronger Canada, without having to deal with parasites.

One of the reasons why I started my business is that I hope that Canadians will be intelligent enough to leave Quebeckers behind. I am dreaming of a Canada without Quebec and that dream is going to happen soon. And I am going to make a whole bunch of money on that dream.

Amazing Montreal Street Dancer

Ready? I am

Hello, dear readers of the Dividend Girl? Missing me? I had been unusually quiet these days but that’s because I am unusually busy. My day-time contract will end by the end of September and I am trying to “plan” the rescue-me-that-pretty-girl plan. Either way I have my unemployment benefit valid and available to me at any time until March 2013 (THANK YOU UNCLE HARPER!), I am looking forward to, well, you know, do something with my life. At this point, my dividend earnings are doing great, but it’s not enough to support my living. So I am looking for freelance stuff and I am actually doing well since May.

Now, work is getting more and more available, so I am just like working most of time. I began that new thing, “trying” to wake up at 5 am to work until 8:45 am, going to my daytime job from 9 am to 5:30 pm, reading emails during my lunch break, hitting back the freelance table from 6 pm to until I can take it anymore. I am actually able to wake up at 5 am a few times during the week, but not every single day. I am making that X huge amount of cash, but I am spending too. I rack up to $900 in expenses on my credit card! But that included the little July 1th weekend trip to Ottawa. I realize now that I didn’t even post a single pic of my adventures in Ottawa. You’ll have to wait because I didn’t even download the pictures from my iPod yet. Just tooooo busy.

But I have enough time to tell you this: the mountain lion hero man is back! For the active readers of the Dividend, this is only for you, our hero is doing well but suffers from health problem; that’s why the man had been quiet. But he’s back in the stock game so watchhhhhh outttttt!
The only question being: are you ready for what will follow?

Want to hear the voice of the man?

Ready? Ok, GO:

“Hi Sunny (that's me!)

From now until at least March 2013 or even Sept of 2013 are going to be pretty bad. (I am not expecting a good stock market, I had been working at paying a 10k credit line at RBC for partly that reason) Greece & Spain are messing with the market (I knew that) and now China's market has hit a low matching March of 2009 ("the crash") (I didn't know that!)

I've gone to 30% cash. (WOW!)  There should be some good buying opportunities in the next
6 to 8 months.  TSX could drop below 10,500 (maybe more). What do you think? (I think so too, it won't get better anytime soon, too much euro shit)

Ive been converting to dividend paying stocks (I love dividend too, easy breathy beautiful extra $$$) because I don't believe there will be much growth for a few years.  Ive moved into pipelines (I am into pipelines for a while too, ENB, ENF, PPL = my very love super stocks), power and REIT stocks (5% to 11% div) (be careful with stocks paying over 6% div. High dividend yield are yummy, but sometimes dangerous, just my advice. You know I appreciate you right? BE Careful PLEASE)

Have you got any good Div payers?

Dundee REIT (D.UN) keeps on growing (just bought a big bulding in Toronto) (oh lala Toronto, I never been in Toronto) Check it out (thank you for the pick!)

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

I've bought "Two Harbors Investment" (TWO) - an American REIT that looks to hold
or grow a bit (only 300 shares below $10.50) - Check it out. (I only invest in Canadian dollars at this time because I am on a big fat margin)

http://www.theglobeandmail.com/globe-investor/markets/stocks/chart/?q=TWO-N

I've been picking up some "Big Bank Big Oil Split Corp" (BBO) 800 shares so far.
I've been paying $9.50 and less.  I think it's a good long time hold.
I have an order in for 300 more at $9.37 right now.  Check it out: (I LIKE THIS ONE. the title is a bit volatile, but adding a few stocks in is of an interest for the Dividend Girl LOVE IT)

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

I have had some luck by finding good stocks with LOW volume.  I put in a bid for a month
that is 20% low and every once in a while I'll pick up 100 to 300 shares from someone, on
a day that he just HAS to sell - and I get them. it seams to work 10% of the time.  It's a lot
of work. (you are such a good investor!)

If you have the ability to record TV you should record a US financial program:
CNBC "Squawk Box" (3:00 AM Pacific time) (I don't have TV)
Lot's of information and interviews with top economic and political experts.
Another good program on Saturday is CNN "Your Money" (politics & Finance) (Thanks)

So where are you living now - where are you working - how are you doing?
(I am in Montreal until the end of September, contract what I do? I won't post it here lol)

I had a mild stroke 4 months ago (oh no!) but all is fine now (ouf!!!).  Had kidney problem, it's fixed now.

Summer has been strange - much cooler - way to much rain (6 months rain in 2 hours)
Floods and landslides in the area (we're okay so far).

You HAVE to see the movie To Big to Fail” (I will try to rent it)


We all like u, mountain lion hero.

We are now going to change of topic, if you don't mind.

In his "The pursuit of yield" letter, Gordon Pape is trying to explain that the only way we can get interesting dividend yield with low risk is by purchasing his newsletter or going for under-paying dividend of the like of 2%. Well, I can advice you that Gordon Pape knowledge of what is available out there is very very low.

My secret name itself Sprott Strategic Fixed Income Fund (SFI.UN). SFI.UN is in the category of the safest kind of investment available on the stock market scene: fixed income. Usually, fixed income are extremely boring. The asset type is GIC, bonds, treasury stuff... You see what it is? All the extremely LOW paying stuff that you don't ever want in a portfolio.

However, Eric Sprott is among the genius an his team is able to generate extra powerful dividend yield on the fixed income class. Look for yourself, SFI.UN dividend yield value is of close to 8%. SFI.UN value is stable. Units were in sale at the time of its release at 10$ per unit. Of its life so far, SFI.UN never went under the 8$ per unit. The investment if pretty reliable. However, don't expect the investment value to grow, at least not at this time. However, SFI.UN is a good investment to feed you in what the Dividend Girl like the most: DIVIDEND.

So see, you don't need to give one single buck to Gordon Pape to learn more about how you can enjoy the stock market by regulating the risk.

I was quite disappointed by reading in here that an MBA help people manage their money. MBA diplomas don't worth anything. What worth something and bring in cash is the market experience. No need to spend 100k on a diploma to learn. Individuals need to learn the power of their money by themselves. No teachers can never teach you what I am giving you right now as information.

YOU are a lucky reader of the Dividend Girl. Don't be an idiot follower. The stock knowledge doesn't exist. Its only a trap to make you spend thousands to hear some arrogant teachers. Don't believe them. Be aware. Now, you know.

Looking for cool day trading moves? Right now, Agrium (AGU) and Just Energy (JE) has the hot stuff

I added Agrium Inc. (AGU) to my portfolio for the first time on December 14, 2011 at the price value of $67.20. OH MY! Since that time, AGU has been among my very top performers.

The company increased its dividend, it’s been, so far, very interesting to hold Agrium Inc. (AGU). Today, the title explodes in profit and established itself at a very EXTRAORDINARY SEXY $96.69. I remember saying that I had a feeling that AGU could hit the $80 without any problem... Well, now, it’s kind of supa easy to see that yeah, you na, supa chitta knows best. The $200 000 worth portfolio?

IT’S JUST AROUND THE CORNER BABY. F_I_N_A_L_L_Y!!!!! We had fun among the way, that’s for sure! My non-registered portfolio is at a very good $123 585.69 right now. Ok, I can now hear you scream from here: yeah, but you haven’t done so well on your silver investments.

Yeah yeah yeah.

That’s true, but I still HOLD ALL of my silver stuff. Which mean that when the silver goes UP, I go straight UP too. Easy right? Well, it is really that easy. Eric Sprott is confident that silver will raised against the machine sooner or later. And TD Waterhouse too. Ok so now, what’s the point of adding on TD Waterhouse in the silver game? Well, on my American Sprott Silver Sprott Physical Silver Trust ET (PSLV) that investment worth right now less than 2k. But no matter what, TD Waterhouse is giving me a US margin value of more than 1k!

TD Waterhouse wouldn’t be giving that kind of margin value to the American Sprott silver Sprott Physical Silver Trust ET (PSLV) if the value of silver would be = $0. See what I mean? There’s a value in silver, but right now, that value hide behind the economic crisis we are in right now. BUT, because the margin loan value on the PSLV is SO high, we can certainly believe in the words of Eric Sprott. Quite interesting.

There's a hiding relation in stuff sometime what you won't even believe. Sprott Physical Silver Trust ET (PSLV), Sprott Physical Silver Trust UTS (PHS.U), Agrium Inc. (AGU) and Just Energy Group Inc. (JE) are the tops of the tops. La crème de la crème. And I like frost...

As for Just Energy Group Inc. (JE), well, there’re been some urban rumors, the stock is not doing well and other blabla. That’s all bullsh@t. Someone is trying to destroy my Just Energy Group Inc. (JE), but it won’t work. NOW is the time to buy Just Energy Group Inc. (JE). Its the best time ever. There's a real buzz around JE right now and its going to bring extra value in. It could be the good time to perform a quick buy-and-sell, just like in the old times...

$$$

I am very tempted to buy some Just Energy Group Inc. (JE) stocks at a bargain price. And now could be a good time. I am even tempted to buy some more Agrium Inc. (AGU) stocks. I am very very tempted. The temptation is too high.

More dipp PLEASE.

I do not hold any RBC Royal Bank mutual funds anymore

Some really nice dividend had kicked in lately. Watch below:

Student Transportation Inc. (STB): $9.92
Premium Brands Holdings Corporation (PBH): $130.24
Pengrowth Energy Corporation (PGF): $16.42
New Flyer Industries Inc. (NFI): $14.91
Firm Capital Mortgage Investment Corporation (FC): $3.12
Enbridge Income Fund Holdings Inc. (ENF): $34.81
Crescent Point Energy Corp (CPG): $5.16
Colabor Group Inc. (GCL): $18.36

And best news is, the month is not over yet!

A long time ago, Premium Brands Holdings Corporation (PBH) was Jean-François Tardif number ONE stock. PBH is still a good runner today. PBH is kind in the same industry as Colabor Group Inc. (GCL). I do like PBH, but not GCL as much.

In a portfolio – at least in mine – there’s stuff performing VERY extremely amazingly well and others, like GCL are the so-so stocks. But who care? The extraordinary of the extraordinary are performing sooo well that they just pushed away all capital loss. Its a reason why I LOVE the JFT Strategic Fund (JFS.UN) because just like my extraordinary stocks, the extraordinary JFS.UN will simply push away the result of the capital loss on my portfolio.

I just have like less than 5k in capital loss in my non-registered portfolio. So its not too bad. I have my chances to go over a +++ value instead of just a + value. See what I mean? ;)P

ADIOS, RBC BANK ROYAL MUTUAL FUNDS. I flush you yesterday!

I used to hold some RBC Royal Bank mutual funds inside my RRSP, but I sold them all this past Monday. So you won't ever see again ANY RBC Royal Bank mutual funds inside a portfolio value update of mine. NEVER AGAIN. I wasn’t going to do so, but I did this to protest against the 3% interest increase made over my RBC line of credit. A 3% increase for no reason. I never miss a payment on it, I have a great net value, probably a great credit score too, and there’s no change for our prime rate. I find it very insulting. 

No change over the prime rate, but RBC Royal Bank is still increasing the interest rate on my credit line? What the heck RBC Royal Bank? Who do you think you are?

Well, watch out RBC Royal Bank because I am FLUSHING u forever from my life.

I have more than 5k in RRSP money that I will transfer to a competitor. Should we say the same? Who’s going to get the RRSP money? The answer: TD Waterhouse! Following what, I plan to inject the money in the JFT Strategic Fund (JFS.UN), but that’s not exactly closed yet.

That’s what happen when bankers little F mess up with the Dividend Girl! :0) Come baby darling, come and mess up with me!!!

Lovely, isn’t?

Job done and completed.

Watch out for the disastrous Maple Group or The Salvation Group

My non-registered portfolio closed yesterday session $122 799. I had been waiting for this for a very long time, and it’s going to happen, the destruction is among the way. Canadian authorities had been dumb enough to approve the Maple Group acquisition plan over the TMX Group Inc. (X). I am not a supporter of the Maple Group. What I want is to benefit from the situation. $50 per share for the TMX Group Inc. (X) and no selling out commission fee to pay out. Following what, I will be free to partly restructure my portfolio. Hello money! 

Westshore Terminals went from a .UN company status to a newly incorporated or what so ever. There’s nothing much to say. The transformation happens and you can now invest Westshore Terminals under the ticket symbol WTE. I invested in WTE a little way back. Best thing about a blog is getting reader emails and getting those really good investment ideas. It’s been the case with WTE, EIF and WEQ.UN among other. I get the best stocks in and just keep watching the wild ride. I am note done yet.

Some beautiful dividends had arrived for July, magna cash. I think July is going to be a very great month.

I want to be an attorney too. Meet Chloe Wolman

It’s not often that I wake up at 5 in the early morning dawn… but today I did. I have some freelance stuff to complete. It’s now done finish and completed. And I am just waiting for more… I really began to be addicted to the work. It was far from being easy to get use to the job, but once in, I am in and ready to make some cold rough cash! 

The best part of being a freelancer is the: after waiting over 30 days to receive payment, well, the really best part is: pay me within 2 weeks or you’ll have to deal with a small claim! I feel like a boxer in the ring! Ready to PUNCH whenever the occasions present. JUST BE READY! And gees, I might be a pretty cutty scary damn thing because well, it worked. At least this time. I am going to tell you all about how to freelance really soon and how to deal with the shita that might and will certainly present by itself among the way. Because shita is my specialty!  

Being a freelancer is not easy, especially when trying to combine freelance to a regular full-time job. In my case, I don’t really have any choices; I need to create a good cash reversed because by the end of September, my full-time contract will end. I am currently waiting for payments that were due for MAY. Yeah, I know. In my case, nothing is really easy, but as I was reading the Globe and Mail and reading the story of the Nikita Chloe Wolman. You can read it too right here. She’s an attorney and has lost her job in Beverly Hills. She has over 100k in student debt and might have lived the vida loca in Beverly Hills. She must be living off. And unfortunately, I guess that while being an attorney, you have the attorney lifestyle. 

The lifestyle part is very dangerous. I wouldn’t have the portfolio I have if I wouldn’t have control my expenses. My wanted to fit in too much, people take wrong money decisions. By wanted to be somebody, people spend thousands on MBAs. I personally don’t need any of that shita. And I am not afraid to push down what I don’t want in my life and I am ready to fight HARD for what I really want. It’s a matter of education too. Being from a well fair background certainly doesn’t help in the process. Being well off created unnecessary needs. Like the big car, big apartment, designer clothes and etc. etc. etc. Being plastic is soooo boring. While listening to the Desperate housewives of Vancouver, I couldn’t help it but find those women, at a point, despite being pretty, being so plastic, overdone, overrich, overplastic. And somewhere, so desperately boring, unreal, fake.

Life is all about choices. If you make the wrong ones, you are going to fail. Going to the best schools, holding the MBAs of the year won’t ever make a change on how you are successful in life. Universities are money s@ckers. Take McGill University right here in Montreal. A real joke. Those types of institutions want make us to believe that while attempting their programs, we’ll become somebody, the big cash will just show up like that. Come on.

I feel sorry for Chloe Wolman, but at the same time, she has to assume her decisions.

People like her, and I know I am judging super hard – are from the freak universities junkees show. If you are stupid enough to spend thousands and thousands away for an education, well, at the end, it’s no surprise that you’ll pay the price. It’s all about values and the society of today is totally missing the point. Don’t come after and cry ohhh I have $100 000 in student debt!

I have close to 100k in debt too and I have no problem living with that. I assume myself and my decisions.

Another problem is that people are way too naïve and gave have way too much confident in the systems and institutions while they should just stay as far possible and use only what they need.

Relying on other people than yourself is a big no-no. See, I am pretty sure that somewhere, Chloe Wolman employer could have keep her, but they preferred to keep the big bucks for themselves. Selfishness is everywhere, even here on this blog. Never forget that.

Some stuff going on for our Westshore Terminals

According to TD Waterhouse:

"Westshore Terminals Investment Corporation Stapled Units
TERMS AND CONDITIONS:Please be informed of a Plan of Arrangement between Westshore Terminals Investment Corporation and Westshore Terminals Holdings Limited. As a result, holders will receive one (1) common share of Westshore Terminals Investment Corporation (WTE (TSX)) (96145A200) for each stapled unit of Westshore Terminals Investment Corporation held."


We'll talk about this later.

To be or not to be a sexy anonymous blogger

My portfolio closed yesterday session at a very good $123 840. Oh, not exactly… $123 840.98. LOL. It’s all in the power of the cents. And right now, the cents are quite powerful. So far for June, my dividend income had been of $669.99. I have no regret over breaking my DRIP on my non-registered portfolio. I am quite busy, it’s harder than ever to follow my stocks. However, the portfolio is doing quite well and I am very pleased.

As you know, I spent the weekend of the 1th of July in Ottawa. I haven’t seen my brother in almost a year. It was a fun weekend and the weather was perfect. I went to the Van Gogh exhibition, the Casino of Lac-Lemay, the Maya exhibition on Quebec side. I shopped at the Rideau Centre, went to the By Market, got my Obama cookie (once every year, that’s a good treat lol), I ate at fabulous restaurants and I probably gain weight. If you go to Ottawa, go to Radisson or Rodisson at the end of Spark, it’s really good. I also went to a Vietnamese restaurant in Somerset (?), all you can eat Japanese food on Rideau I think and I walked downtown, went to the Ottawa Jazz Festival and, of course, I was at the July 1th celebrations. It was quite impressive to see Jully Black live. Remember the HubPage article I wrote about her while back and remember that she wrote me on Twitter? Well, I finally got the chance to see a live performance of her. She was fabulous. Rock Voisine, Acadian icon was there live too and many other. All this to say that yeah, I had a fun time in Ottawa. I may visit again in August.

As you can see, I am doing well like a charm, the dividend income is quite good and my 4 months contract will end in September, bye bye la visite, bye bye Quebec. I am about to cash big on the Maple Group deal. Everything seems to be in order for the Maple Group to acquire the TMX Group Inc. (X). I had picked the maximum cash option, $50 per share. Following what, I will restructure my portfolio. Remember, I plan to hit the 6-6-6, 8k in dividend income. That’s about to happen soon. I just need to take some time to study. It’s quite a job on itself to invest in stock. Time is flying by and I have organization problem. Especially during summer.

Imagine what, I have received an email from Cimon Plante. That’s what he wrote me:

“Hi Sunny,

I've just stumble upon your website and I really enjoyed it! I am an investment advisor, in Montreal, for 7 years now and I applaud your financial acumen.

If you need info for a stock or you want to grab a cup of coffee, let me know!

Cimon”

By the way, Cimon Plante works in the same building where is located Blue Note (BNT).

First, we need to admire the gut of the guy. Mr. Cimon Plante wants to meet the Dividend Girl. Oh lala. Does he really know what he’s getting into? I mean, despite being married, I have to say, it was quite tempting to meet Cimon Plante to see what he would have to say. Fact is, yeah the man is married (I did my search – remember that I want to do like the Desperate Housewives of Vancouver now and married a millionaire) and I don’t like to lose my time in meeting that will just drive me no where. Why will I go have coffee with a married man? Also, meeting someone like this will rip off me as being a sexy anonymous blogger. A man will know who I am, what I look like. Do I want that to happen? Certainly not. Do I want to meet Cimon Plante? The answer is not no, but I prefer to stay away from married men. Because married men are what they are: married.

LOL.  

Fact is, no matter how charming they sound and no matter how good looking they are, please, for the sake of God, stay away from investment advisors, especially Quebec ones. Here in Quebec, society suck. Just follow the education crisis in Quebec, follow those students coming from outside Quebec who are getting ripped off by Quebec society, listen to the outsiders like myself getting over-tax while living in Quebec and not being able to benefit from health care. Listen to the anarchists, those who have no respect to our Royalties, to our roots. I mean come on. Quebec society is a whole piece of shit. Never give your trust to a Quebecker, never give directly ANY of your money to ANY financial advisors of the like of Cimon Plante. Quebeckers are not trustable. They are vulnerable, they don’t pray God, they have no religion. The Quebec popular mass is completely disgusting. They are selfish individuals who only think for themselves.

Cases like Earl Jones are not isolated here in Quebec. In their freshness, people think that advisors are there to help. It’s not true. They are only sale people who touch commission on investment they sell out and, even worst, it’s easy to lose your money. In a case like Earl Jones, some people never gained back the totality of the money they had lost in the hands of the criminal. So wake up, be smarter than the 99%.

Go there, invest by your own and kick some ass. It’s easier than what you think. My blog is the real proof that anyone can save money no matter how little they gain. Take in consideration that we live in a capitalist world, there’s nothing you can’t do about it, if not just to fully take advantage of it. Poor don’t have to become poorer. If you can eliminate all luxuries from your live, big car, big house and big whatever else, you’ll be able to make it. Myself, I am almost there. How would you feel not having to rely on an employer or anybody else other than yourself to make a living? That’s what success is all about. Not having to deal with stupid employers, not having to deal with laid off. Your financial security will be your big finger over all that. Of the poison of life. No investment advisor is able to do that for you. They are working themselves their ass off to pay their big mortgage and luxuries etc. Why would you trust financial advisors? Do you know who they are? Do you know what they hold as investments? No, you don’t know anything about them. They are completed strangers. In front of strangers, don’t have any money talk, if not just the Dividend Girl because well, you know me now.

No one knows what will happen tomorrow on the stock market. There’s no magic trick with the investment game. For that only, I own Derek Foster big part of what I have today. It’s unbelievable how much his books help me to build in a portfolio by my own.

I wrote about my experiences with Quebec financial services, with banks, Desjardins, BMO Bank of Montreal, Manuvie etc. It’s really important that you read them all (in other word, you need to read all of my posts of 6 years of happy financial blogging). Get in touch with Quebec reality read about all the shit I went through to build myself a portfolio. They wanted me to fail, but I succeed. Ok, well, it’s not anytime soon I will stop working but more than ever, the whole investment game is getting interesting. In other word, I seriously begin to kick some ass.

LOL. So for that reason, sharks are around. RBC Royal Bank is increasing my credit line of 3% and Cimon Plante wants to meet me. In your wildest dream baby.

The only Quebecker I trust from the heart is Jean-François Tardif. I trust him and only him for many several reasons. I don’t think I will get rip off by him, sincerely. It’s not all Quebeckers who are bad of course; I speak in general terms, but please, watch your back. Don’t trust anyone, if not just a man. I like JFT because he doesn’t hold a stupid MBA title. AND he went back on the public investment scene after making millions. He didn’t need to come back, if not just for me (I KNOW LOL). To help me increase my overall income through his JFT Strategic Fund (JFS.UN). So see, in other word, Jean-François Tardif is all mine and I don’t want to get out of the anonymous blogging scene because being anonymous is HOT and Jean-François Tardif is F hot too.

Your Tuesday evening doesn't have to be boring

Listen now, live.

Hello Ottawa!

Look where I was yesterday at 8:30 PM :

I arrived at the University of Ottawa and I went straight across the Rideau Centre. I wanted to take the bus to go to my brother place. I wait, wait, wait... and finally decided to take a taxi. We went out. My brother took me to a drum & bass place. That's how it look and sound:

Interesting...

That's my bro. Everyone is sleeping in where. I may escape to the Van Gogh exhibition in Ottawa. I  have a feeling that my young brother is going to sleep in until early afternoon... I will leave him a note to call me when he wake up. Isn't fantastic, a Van Gogh exposition at the Musée des Beaux-Arts?! I am happy to me here.

Otherwise, beautiful day in Ottawa, its going to be fun! A bit of shopping, an Obama cooky maybe again on my way and some walking around. The last time I was here was a year ago, in August of last year. I don't come here really often.

I have received new dividends. The non-registered is at 121, almost 122k. It's not too bad, but I am off of a couple thousands.

Oh lala, the JFT Strategies Fund (JFS.UN) is hot hot hot!

An email coming from a reader of myfirst50000.com:

Hi Sunny,

I love your blog. Keep it up!

Just had a quick question regarding;

JFT Strategies Fund (JFS.UN)

I was planning on buying some of this fund because you are always hyping it up.  But it doenst pay dividends, do you think it will pay dividends in the future?

Hyping it up? YES for sure. ;)))))

Charming isn't? Because of me, more people are investing in the JFT Strategies Fund (JFS.UN). I am Jean-François Tardif personal broker. The fund will explode in value soon. Watch out!

And for the question, I don't think the fund will pay dividend in the future. Just my idea.

In need of credit? Forget about going with RBC Royal Bank. Read my story

I have a $10 000 credit line at RBC and the interest rate used to be 7.52%. But that all change a couple of months ago when I received a letter from RBC Royal Bank saying that my interest rate was going to be increased of 3%, from 7.52% to 10.52%. I never missed a payment on my RBC credit line, I have a very good credit score, I never missed a credit payment as far I am concern. A couple of months ago or even now, the prime rate hasn’t change. So what had changed?

The way RBC Royal Bank does business has changed. Unfortunately, among the process, they might have taught I was someone to mess with but unfortunately for them, they had knocked at the wrong door. That happens when I was in New Brunswick. I went to my local RBC branch and was told by the manager, a poor guy, that the cost of borrowing had increased, so the bank had no other chosen than to increase interest rate on their products. He also told me that other banks were going to follow soon.

I wasn’t exactly impressed by RBC for doing that to me. The manager of the branch was a f idiot, but the representative I was dealing with had made efforts to decrease the interest rate a bit for me, but I wasn’t able to get better than a 9.30%. I told him it was ridiculous, that the prime rate hasn’t change, that I never missed a payment what so ever, and I told them that if I wasn’t getting my old interest rate back, that I will sell my mutual funds and transferred everything to someplace and that I will never used RBC products, banking accounts etc ever again. I told him that they were going to lose all of my business.

Time passed by and nothing else had been done to facilitate my life. RBC decided to keep their f 9.30% right there and RBC decided to lose a customer.

Right on.

I was waiting for the TSX to perform better before selling my RBC mutual funds, but I may act now, whenever I am in the vibe to say a big F U to the RBC Royal Bank.

My investment portfolio is performing very well and those investments I have in different RBC mutual funds never performed as well as my portfolio. On top of that, RBC is charging very big management fees and it simply doesn’t worth it for me anymore to have money invested at that bank. I just cannot wait to have the money transferred over TD Waterhouse and have some new investments made in my very own RSP account.

RBC Royal Bank should have known better.

Now, they are losing business over my RBC mutual funds fee, but on top of that, they are losing business over interest fees on my RBC credit line. Because believe it or not, I have decided to pay off that RBC credit line. Why? Its not because of the pressure made by RBC by increasing their interest rate on MY credit line. No no. No one have control over me. I have decided to pay off my RBC credit line because I have extra money and I am running out of investment ideas. So instead of just throwing the money away in stuff I have no real interest in, I have decided to pay off the credit line.

On my RBC Royal Bank credit line, I currently have left $4 485.66 that need to be paid off. I plan to have it clear off by the end of the summer and I also plan to have the mutual funds sell and transferred by the end of the summer.

Its going to be a fun summer right? RBC Royal Bank bunch of little F@ckers shouldn’t have messed up with me. I am finally going to get rid of those mutual funds after all.

Anyone facing the problem, interest being increased on a product for no reason, no change in prime rate, no payment skipped, should do exactly the same thing: sell off, paid off and closed the f account and let the F@ckers know how you are.

My debt situation on date of June 22, 2012

$7 946.88 at a low interest rate of 4.75% (RRSP credit line rates) = $377.48 in annual interest

$4 900 at a low interest rate of 4% (credit line rates) = 196$ in annual interest

$7 952.57 on a credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = $230.62 in annual interest

$6 734.65 at low interest rate loan at 5.50% (student loan) = $370.41 in annual interest

5 000$ at 8.75% (credit line) = 437.50$ in annual interest PAID OFF

$4 485.66 at 9.30% (credit line rates) = $417.17 in annual interest

$55 513.38 at a low interest rates of 4.25% (margin money coming from my broker account): =
$2 359.32 in annual interest

$1 795.54 at 0.99% for a year (with American Express) = $17.78 

TOTAL: $89 328.68

TOTAL in annual interest: $3 968.79
[In date of June 22, 2012]