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Saturday, June 14, 2014

My deb situation on date of June 14, 2014


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

$3 392.20 at low interest rate loan at 5.50% (student loan) = 
$186.57 in annual interest

TOTAL: $72 215.02

TOTAL in annual interest: $3 111.54
[In date of June 14, 2014]

Thursday, June 12, 2014

Revenu Québec said no Solidarity Tax Credit for the Dividend Girl

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

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

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

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

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

Tuesday, June 3, 2014

Revenu Québec is still on the back of the Dividend Girl

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

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

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






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

Tuesday, May 27, 2014

Bye bye Canada Bread Company Ltd. CBY no longer trade on the TSX. No more.

Canada Bread Company Ltd (CBY) stop being trade on the TSX. CBY had been buy by a foreign company and in result, it no longer trade. I didn't make much money on this trade. following the departure of Canada Bread of the TSX, I got back in hand a good $2 500. For now, the usage of my margin is reduce to $68 000. I have left just over 9k of available cash on the margin. I am not tempt by any other investment at this time so life is little boring. 

Now that CBY is gone from my non-registered portfolio, my dividend income is down to $6 155.83 or the equivalent of $513 per month. Not too bad. I had spent quite some money in May. My next investment will only be made in the second week of June. I am thinking of The North West Company Inc. (NWC). A $1 500 investment in NWC will only add me up to what I use to be before CBY took the door.

My Encana Corporation (ECA) shares are slowly but certainly going back to its old original value. I didn't have it easy on that one. Slowly after investing in ECA several years ago, it value went down, and it had been hard to get it back on track, but I knew it was the right thing to hold. Its new IPO could indirectly bring in some value to the title, its something to watch and it definitively deserve a hold.

We barely ever heard of my man Jean-François Tardif but his fund is doing well inside my portfolio. Unfortunately, the JFT Strategies Fund (JFS.UN) doesn't pay any dividend. The strategy to have with the JFT Strategies Fund (JFS.UN) of Jean-François Tardif is very very simple: use the man and his fund as your cash cow.

What is a cash cow? Let me explain it all. ;--0) ahah!

I had been holding on to JFS.UN since its IPO. Since that time, my investment grow of $490. The thing with a cash cow is to keep the initial investment in the stock market and once a reasonable profit is made, $500 or more, you sell what is left over. JFS.UN is performing well, but it doesn't gain value as quickly that I would like it too. But patience pay off. For that reason, it could be of a very great idea to make an investment of at least 2k in JFT Strategies Fund (JFS.UN) inside a TFSA. That way, each time you do the cow cash thing, you won't get tax on the capital gain. I plan to do that one day.

Without really knowing, I have a lot to do with my little money.

I haven't heard from Jean-François Tardif for a very long time so I had transformed him as an animal.

Wednesday, May 21, 2014

Welcome in my non-registered portfolio Laurentian Bank of Canada (LB)!

I made a new investment today, a few shares of Laurentian Bank of Canada (LB) for my non-registered portfolio. Since Just Energy (JE) had declined in value and that will sooner or later affect the value of my margin, I kind of had no choice - or 2 choices: to invest inside my non-registered to boost my margin value or simply inject cash with a 100% inside my margin.

Just adding cash in was too boring so I taught about going on with an easy girly fancy stock: a bank stock. Quite a surprising move coming from the anti-Quebec that I am, but I need something relatively stable and with a yield of at least 4%. I am still anti-Quebec, no matter what, but I am happy with my move. I like to welcome in some new stocks. My non-registered is now at $135 607.68.

Go baby go.

Monday, May 19, 2014

Just Energy Group Inc. (JE) title hitting the ground and eating it in full s

Winter had been too long and too cold, so now I am enjoying the nice weather and I don't spend too much time in front of my laptop in my free time. I didn't even take time to do my hair coloration yet and I need it. I need it now. Now its too late, everyone know that I am not a real red hair girl. Toooo badd.

I enjoyed my Monday Holiday and now just 4 days to go before another weekend, ok I can do this lol. Especially knowing that last Friday was pay day, and in result I now have a bit more than 1k to invest. And what will be my next investment? You'll find out next.

Lately, I had been watching very closely Exchange Income Corporation (EIF). For the past couple weeks, EIF had been going down... What's going on? I don't know. Its not the first time that EIF is playing with me like that. But now, everything is back to normal or almost. I think EIF will recover. On the other hand, things are not so great right now for Just Energy Group Inc. (JE) and I don't if JE will be able to recover anytime soon. Tooo bad.

And its all for the hot news.

Maybe just another thing, I did not sell CHR.B yet.

Monday, May 12, 2014

Thinking about selling Chorus Aviation Inc. (CHR.B)

At $136 951.89, my non-registered portfolio is at one of its highest value ever. EVER. i cannot wait to hit on the 140k. Its for reasons like that one, very explicit, that I decided to stop throwing away money on my student loan, or even worst - on my margin. NO NO NO.

One of my big holding, EnCana Corporation (ECA) is doing much better. I am confident I will recover from my loses on that one by simply doing nothing and let it go. Shortly after I invested in ECA a couple years back, the stock lost in value. It was hard to take, but I think its looking good for a recovery.

Another stock that is on the go is Canfor Pulp Products Inc. (CFX). I am now only experiencing a loss of $185 on this one, much less of what it use to be. I am catching on profit with New Flyer Industries Inc. (NFI) - I had been holding that one for a very long time.

Currently, I am thinking of selling my Chorus Aviation Inc. (CHR.B) stocks. I am currently experiencing a profit of more than $200 on that one and I would reinvest in something more secure, like, because I am now a sexy bank girl, it could goes on Laurentian Bank of Canada (LB), for example.

Sunday, May 11, 2014

From Super Sexy Dividend Girl to Super Sexy... Bank Girl

Its been a wonderful weekend here in Montreal. These past couple days, Spring is here and I don't spend too much time online. I saw The Amazing Spiderman 2 on Friday and its was real good. And because the weather was so nice I did a bit of shopping. I spend the whole weekend outside. The weekend had been too short.

Davis + Henderson Corporation (DH) had changes its name to DH Corp (DH). I don't like this new name at all because of the double effect - DH in the name and DH as ticket symbol. The + between Davis and Henderson was super hot. And Davis with Henderson sound cool. Davis is one of my major holder. It worth something like a good 3k in margin value. I am very disappointed by the name change. I will be missing the "+".

With my latest investment in National Bank of Canada (NA), my dividend income reach out the equivalent of $518. I have to say that with all of the stocks that I hold in my portfolio, its hard to get in something new that will being an interesting dividend and, at the same, will be a safe bet. Well, no matter how great my portfolio is, I don't have it all yet, there are still some great investments I can add on to bring on strong value and dividend income. Do I decided to turn into a massive bank stock holdings and invest a one thousand in Laurentian Bank of Canada (LB). At 4.35%, LB dividend yield is super attractive. And I need money for more shopping.

Tuesday, May 6, 2014

Welcome in my TFSA portfolio National Bank of Canada (NA)!

I had bought a few shares of NA at $45.33 for my TFSA. My next investment will be for... next week. There's 3 pay in May, pretty hot.

Sunday, May 4, 2014

For dividend easy cash, easy investment choices

In this rainy weekend, I calculate my dividend income by counting only the regular dividend that supposed to be paid quarterly or monthly. It make a total of $6 177.71 for both my non-registered and TFSA, an equivalent of $514.81 per month. Not too bad, but I want more! But how to do it while staying away of those stocks that pay too super high dividend yield?

Stocks that pay super high dividend yield - more than 6% - tempt to decrease their dividend overtime and at the same time, they decrease in value. And I don't want that to happen in my portfolio anymore. So I came with a DIVIDEND SUPER HOT PLAN.

With only $3 562.73 on student loan debt and $70 466.39 margin debt, I decided to invest all extra money available rather than paying debt because paying debt doesn't provide the same excitement as investment. In my search of new investment, I look at Susan Brunner investment list and made a few picks. Among my requirements: a good looking chart going all the way up-up-up for the past 10 years, a dividend yield of not more than 6% and not less than 4%. Basically, it was it. Also, I find I already have some REIT stocks in my portfolio so I ignore all REITs from Susan list.

I first came around with those stocks:

National Bank of Canada (NA)
Stock price: $45.65
Dividend yield: 4.04%

Inter Pipeline Ltd. (IPL)
Stock price: $29.85
Dividend yield: 4.33%

Morneau Shepell Inc. (MSI)
Stock price: $16.19
Dividend yield: 4.851%

Parkland Fuel Corporation (PKI)
Stock price: $20.12
Dividend yield: 5.235%

Thomson Reuters Corporation (TRI)
Stock price: $39.20
Dividend yield: 3.629%

The North West Company Inc. (NWC)
Stock price: $25.34
Dividend yield: 4.578%

Chemtrade Logistics Income Fund (CHE.UN)
Stock price: $20.51
Dividend yield: 5.851%

Russel Metals Inc. (RUS)
Stock price: $32.53
Dividend yield: 4.304%

Valener Inc. (VNR)
Stock price: $15.78
Dividend yield: 6.333%

Following what, I reduce my list for two immediate investment: National Bank of Canada (NA) and The North West Company Inc. (NWC).

I have a contribution room of more than 21k inside my TFSA and its very terrible. In the immediate time, I hold a few things in my TFSA that had slow down the raising value. The only thing I can do right now is to invest in high quality stocks inside my TFSA and National Bank of Canada (NA) is an easy and good option. Another option would be Inter Pipeline Ltd. (IPL). And also Thomson Reuters Corporation (TRI). I find that Thomson Reuters Corporation (TRI) is an enigmatic company.

Wednesday, April 30, 2014

Rain goes well with junk food

I was curious to update my portfolio and its how I found out that my net worth is now of $115 434.88. Not too bad, but I was more set on a 120k net worth. Also, back in January, I had a portfolio of like 190k and now I am down to 189k. I had sold some investments to pay debt, that's explain why my net worth is higher.

Its raining in Montreal, the weather is not nice at all. And during that time, I am picking on Susan Brunner stuff for some investments ideas. But right now, my very own Lumenpulse Inc. (LMP) is hot.

My debt on date of April 30, 2014

$70 466.39 at 4.25% (margin money coming from my broker account) = 
$2 994.82 in annual interest

$3 562.73 at low interest rate loan at 5.50% (student loan) = 
$195.95 in annual interest

TOTAL: $74 029.12

TOTAL in annual interest: $3 190.77
[In date of April 30, 2014]

My investment portfolio on date of April 30, 2014

Non registered Investments:
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.22
Blue Note Mining (BNT.H): $0
Bank of Nova Scotia (BNS): $7 326
Hanwei Energy Services (HE): $21
Methanex Corporation (MX): $6 992.67
Fortis Inc. (FTS): $3 509.80
Pembina Pipeline Corporation (PPL): $19 898.34
Just Energy Group Inc. (JE): $7 046.39
Pengrowth Energy Corporation (PGF): $1 637.60
Enbridge Income Fund Holdings Inc. (ENF): $9 004.32
Corby Distilleries Limited (CDL.A): $2 515.05
Davis + Henderson Corporation (DH): $6 855.84
Premium Brands Holdings Corporation (PBH): $9 369.45
EnCana Corporation (ECA): $5 281.12
iShares S&P/TSX Capped REIT Index (XRE): $2 502.50
Horizons Gold Yield Fund (HGY): $1 337.22
Canfor Pulp Products Inc. (CFX): $1 315.44
New Flyer Industries Inc. (NFI): $1 254.96
Exchange Income Corporation (EIF): $4 048.26
Colabor Group Inc. (GCL): $354.96
TMX Group Inc. (X): $461.92
K-Bro Linen Inc. (KBL): $4 000
Westshore Terminals Invest Corp (WTE): $7 266.48
WesternOne Inc. (WEQ): $2 850
First Majestic Silver Corp (FR): $1 040
Kinross Gold Corp (K): $671.95
TransCanada Corp (TRP): $1 277
Canadian National Railway Co (CNR): $5 778
Firm Capital Mortgage Investment Corporation (FC): $483.20
Enbridge Inc. (ENB): $1 480.92
Agrium Inc. (AGU): $2 737.02
Canadian Utilities Limited (CU): $1 700.58
Crescent Point Energy Corp (CPG): $980.98
JFT Strategies Fund (JFS.UN): $2 472
Geovencap Inc. (GOV.H): $0
Heroux-Devtek Inc. (HRX): 
Black Diamond Group Ltd (BDI): $861.50
Emera Inc. (EMA): $847.50
Cineplex Inc. (CGX): $1 032.75
Barrick Gold Corp (ABX): $765.20
BCE Inc. (BCE): $1 073.60
Stella Jones Inc. (SJ): $599.20
Shoppers Drug Mart Corp (SC): 
Saputo Inc. (SAP): $1 172.20
Toronto-Dominion Bank (TD): $1 054.60
Canada Bread Company Ltd (CBY): 2 528.40
Lassonde Inc. (LAS.A): $1 045.10
Loblaw Companies (L): 571.80
Lumenpulse Inc. (LMP): $950

TOTAL: $135 973.04

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 204.19
Cash: $4.12

TOTAL: $1 208.31

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $33.30
Dumont Nickel Inc. (DNI): $100.63
Sprott Physical Silver Trust UTS (PHS.U): $1 705.48
Sprott Strategic Fixed Income Fund (SFI.UN): $364
Healthlease Properties Real Estate Investment Trust (HLP.UN): 
$1 012
RioCan Real Estate Investment Trust (REI.UN): $953.05
Precious Metals and Mining Trust (MMP.UN): $486
Sprott Inc. (SII): $3 357.25
Chorus Aviation Inc. (CHR.B): $538.20
Data Group Inc. (DGI): $544.44
AltaGas Ltd (ALA): $1 401
CT Real Estate Investment Trust (CRT.UN): $1 140

Cash: $73.63

TOTAL: $11 708.98

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 303.88
iShares Gold Bullion Fund (CGL): $3 873.48
Emera Incorporated (EMA): $7 864.80
EnCana Corporation (ECA): $2 691.34
Sprott Physical Silver Trust UTS (PHS.U): $568.49
Toronto-Dominion Bank (TD): $1 581.90
Barrick Gold Corp (ABX): $956.50
Stella Jones Inc. (SJ): $2 996
Telus Corp (T): $1 931
Tim Hortons (THI): $601.20

Cash: $257.32 

CIBC Dividend Growth Fund: $710.12
CIBC Emerging Markets Index Fund: $314.28
CIBC Monthly Income Fund: $1 258.61

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


GIC National Bank: $1 277.70

Manulife Fidelity NorthStar GIF CAP B: $957.19
Manulife Simplicity Growth Portfolio: $1 083.03
Maritime Life CI Harbour Seg Fund: $1243.85
Maritime Life Fidelity True North Seg Fund: $1 330.66
Manulife GIF MLIA B World Invest: $891.86

Great-West – various: $2 378.61

Various other mutual funds: $1 333.07

TOTAL: $40 484.25

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income ($50):

$189 464.58

Monday, April 28, 2014

At TD Waterhouse, Lumenpulse Inc. (LMP) has a margin value. Yeah!

Its been a quiet weekend, including a lot of cleaning going on in my tiny apartment. I am almost done with my Spring cleaning. And I got my hair cut. The weather is not super fun in Montreal, I still have to wear a good jacket. Yesterday, it was very cold and raining, so I just jump in my cleaning tasks, putting away most of my winter clothes away and cleaning my wardrobe, among other things.

Following my freshly made investment of last week in Lumenpulse Inc. (LMP), I had been noticing that TD Waterhouse had giving a good margin value to Lumenpulse Inc. (LMP). I think it might be a 70% value or something like it. And this is a really good sign. When JFS.UN started training, it didn't get a margin value right away, it took a little while to get something valuable in term of margin. I am happy that Lumpenpulse Inc. (LMP) had a margin because I would like to have at least 10k of margin value left. I am at something like close to 8k right now. With the month of May hitting in soon, I probably use all of my money left from paycheck to go on my margin. Eventually, a margin of 15k would be perfect. And having those goals in mind make it difficult to just invest inside my TFSA.

Other than margin management, I had subscribed to my employer RRSP plan. I am contributing just a tiny 1.5% of my salary and in exchange, my employer is giving a 1.5% of my salary. I am getting a free $690 by doing so. Even if I am not a RRSP believer, I decided it was time to subscribe and I will benefit from it at long I will stay on this current job. The RRSP plan is not super generous but I guess its better than having at all and anyway, soon before you'll know it, I will be ranking on the $300 000 portfolio and be super rich.  

Lumenpulse Inc. (LMP) is suppose to be THE STOCK that will make be rich - we'll see how it turn. In the meantime I don't have an interest for any other stocks at the present time. Maybe JFS.UN units for my TFSA one of those days.

And this will be all for tonight, have a good week. Tomorrow is Monday. Just don't think about it and it will be ok.

Thursday, April 24, 2014

Welcome in my non-registered portfolio Lumenpulse Inc. (LMP)

I stopped my decision and decided to invest in Lumenpulse Inc. (LMP). I got a few shares at $19.57. The remaining money went to pay down my margin.

I kept thinking about placing this investment so I decide to go for it.

Crescent Point Energy Corp. (CPG) is on a halt trade

There's a new Trailer Park Boys movie that is currently playing and I couldn't help it, I need to see it! It was a fun stress releaser. I just adore The Trailer Park Boys. So hilarious! :)

I am busy at work these days and my mind is not straight up on what should I do with that 2k in cash that I have available. Is Lumenpulse inc. (LMP) is a safe bet? Should I simply use the money to pay down my margin debt? Pay down my student loan? Or invest? Its not that easy to make the move for several reasons. Strange work situation and too many choices!!!

I was surprised to see my non-registered portfolio down to 132k and a few dollars... but its all because Crescent Point Energy Corp. (CPG) is on a halt trade. 

Wednesday, April 23, 2014

What to do with a $2 000?

I went to New Brunswick for a few days, I just came back yesterday. I will try to post some pictures later on. Before going, I went for my taxes and it went find, with only $500 extra pay in tax money - not too bad. Again, I pop up the 50k income for this year if I remember.

I didn't update my dividend income for April yet but it make a good $527.40 so far. With that money, I currently have at my disposal $2 000 and I keep thinking about what to do with the money. I have that $3 600 student debt that I was looking to pay back until.... I find out about Lumenpulse Inc. (LMP). I was thinking to invest a 1k in LMP inside my TFSA. But with only $3 600 in student debt, I could pay it down veryyyy quickly.

However, investing in Lumenpulse Inc. (LMP) is very tempting because I am very sure that this stock will just grow and grow and grow...

So I have that new idea, to leave a 1k in my bank account and just invest 1k in LMP.

One problem being that I prefer to invest and leaving money in the bank because some serious shit is happening at work, its unbelievable. We had once received an email previously this year saying that we were going to get a raise for April. Great, but a girl that been there for 5 years had been refused the raise for no specific reasons. I was quite shocked to learn the news because I don't know if I told you but I got a raise of more than 6k at work. The girl could had get a 1,5-2% raise I guess but nothing had been provide to her, even if we had received an email from the President saying that we were all going to have a raise. Why would the president write that kind of email to all employees if not all employees were not giving a raise? Soo cruel!

I find it a complete stupid act of cruelty and extreme arrogance. The girl is leaving at the end of the month, I guess she had find something else. Some other rude stuff like that had been going on for a while and its really sad. One day, the people responsible will have to pay of those cruel acts.

Stuff like this make me wanna leave just like her as fast as I can.

You have said shitty job in Montreal? Oh fuck yes.

Thursday, April 10, 2014

The Father of the TFSA died today. RIP Jim Flaherty and thank you for the tax free dividend cash

We all knew the man was sicked - I even suspected him to be alcoholic when he was alive. Just a few weeks after he retired, Jim Flaherty died at home from a heart attack. It would had been great to watch his career in the private sector, but unfortunately, the father of the TFSA is no longer with us. Its been said that  he had children. My mom and dad are about the same age, and I wouldn't like to lose them so soon in life.

I had been quite busy since last week as I am trying to put more efforts on my freelancing activities. Its going on well and I could make 1k - $1 500 just my working part-time. Once job I had 2 years ago was suddenly cut off, but it started over again lately. Its rough to get back in the routine because a lot had changed. I have one project completed... so I slowly moving on. 

Even if I got a raised of more than $6 000 at work (yeah, yeah, you are reading correctly), I prefer to have something on the side because I don't trust my employer. See, my student loan will soon be paid off. After that, only my margin account will remain. I have a margin debt of $70 000. If I can save $30 000 a year or about, my margin could be paid in less than 3 years... And that's possible now because of my current raised and self-employed work. When figuring that out, I was quite impress. I could actually save enough to retire by 40. Maybe. And if now, I will have my dividend and self-employed to make my living.

You could imagined that I have a super job because I got a raised, but co-workers can be very fresh, just like the superiors. They are Quebeckers, so I barely talked to them, the strict minimum, a little talk, just what is needed. Its not a pleasure to be living in Quebec province, especially now that the Liberal Party had been elected. I don't know what the hell Quebeckers were thinking, but gees, this is getting grotesque. Just watch Quebec province flying sky high into debt. This is just another proof of how stupid the Quebec mass is. Some had forget that Liberal are all about bullshit. Short term memory, I guess. I mean really, everything I write about Quebec is true and of a very honest opinion. I am giving the view of an insider who's heart is outside Quebec and belong somewhere else. I cannot stand the level of selfishness. I cannot stand their lies.

Quebec can be what it is, sometimes, good thing pop up from the shit. Like Jean-François Tardif, for example. Celine Dion, if you like her. But here, at The Dividend Girl blog, we are about money. And I have find what could be my next pot of gold. And the pot of gold is right here in Montreal! In shit town. Exciting, ohhh yeah! 

The extraordinary thing is name: Lumenpulse Inc. Its an extreme interesting company - I will let you do your search. Once of its competitor in the US, Philips, currently trade at $35 per share. The thing is that Lumenpulse is about to pop up from the initial public offering on April 15. Unfortunately the IPO is not available at TD Waterhouse. Lumenpulse is starting at $16. I think this company had good chances to grow in its sector. The CEO is super interesting, kind of the like of Jean-François Tardif, very smart, could afford retiring because he's already millionaire, but won't because he want to see his business grow. And why seeking for retirement when you can be the king of the world? At least, Jean-François Tardif is MY king. But I guess you all knew that from now, unless you are not really reading or are blind from an eye, left or right.

Thursday, April 3, 2014

Goodbye, little Shopper Drug Mart (SC) shares...

Today, most of my Shopper Drug Mart had been sale and I also received a few Loblaws shares. In result, my non-registered portfolio is at $133 897.78. My margin usage is down to $70 937 and I have a margin left-over of $6 896.44.

Wednesday, April 2, 2014

Shoppers Drug Mart Corp. (SC) no longer trade on the TSX

This is getting exciting! Its official, Shoppers Drug Mart Corp. (SC) no longer trade on the stock market. My SC shares are frozen, and I cannot wait to received the maximum cash possible. Now that SC shares are frozen in ice, its just a matter of a few days before I get my $$$.

My non-registered portfolio is at a great $136 408.12 value right now. Once my SC shares will be sale off, my portfolio value will be lower, unfortunately. If I am lucky enough I could used a 2k of the sale to pay off my student loan but it will depend of my margin.

Tuesday, April 1, 2014

Wanna make money on the stock market? JFT Strategies Fund (JFS.UN) is a good option

Good dividend earnings in March with more than $500 in earnings. My non-registered portfolio close today session at $135 958, which is quite good. Lately, stocks like Black Diamond Group Ltd (BDI), Stella Jones Inc. (SJ) and Pembina Pipeline Corporation (PPL), among other. Even my Just Energy is going up up up so things are pretty hot. And Enbridge Inc. (ENB) is what we could consider a hot stock right now according to Rob Carrick. But before Rob Carrick, someone else taught about Enbridge Inc. (ENB) as good investment: Derek Foster! :) Smart investors who had followed Derek Foster from the start are really rich now.

With my upcoming paycheck, I will have 2k at my disposal. My tax declaration cost me $70 to be done. After what I probably going to have to pay max 1k extra in taxes. I would be surprise if it will be more. I have a 1k at my disposal. But to do what? I already have a good collection of stocks, I hold the best (yes!) :including JFT Strategies Fund (JFS.UN) of the love Jean-François Tardif. I check on the man - only on Google unfortunately - once in a while and in my latest search, the latest news about Tardif was a BNN interview, back in December 2013 I think. And at that time, he was saying that the US was the place to be - no matter if the market goes up or down. Well done, because nothing seem to beat the US. 

JFT Strategies Fund (JFS.UN) started with a slow grow, but I think the fund had proven now to be quite stable in value and grow, which is quite something. Other funds like the Sprott Canadian Equity Fund are only  good to make you lose money.

Derek Foster is almost 100% invested in the US market, smart guy, I could picks from his US picks and tadam, no problem, hello nice and easy cashhhhhhhh, marvelous cash. With only 1k, the dividend income wouldn't be much in the immediate so I have a better plan.

The balance of my student loan is of $3 634.25 and the monthly payment is of $98. I am much more interested in paying down my student loan to finally get rid of that monthly payment. I had paid off my credit lines, credit cards... I currently have no monthly payments to make if not my student loan and rent. Its getting interesting to pay off my student loan for that reason. After what, I could easily live on $1 200 per month, and I could push it down to the $920 per month. That could become true in 2 months from now (June)... So why not? Its the main reason why I am so interested in paying off my student loan now.

Monday, March 31, 2014

Ready to say good-bye to my Shoppers Drug Mart shares. Go go go!

The Shoppers Drug Mart acquisition by Loblaws was supposed to go through on - was it March 27 or something like it??? - but I still have all of my Shoppers shares right in my portfolio and its quite boring. So I am currently waiting and still waiting. I had been waiting for a really long time now, so I hope to deal will move on so I can lower the usage of my margin and I will try to stay that way.

I had been busy lately. A old part-time gig I used to have 2 years ago is about to get back to live and I could make good cash. And I will need it because this past Saturday, I went to do my tax declaration and its going to cost me $70 right there, not to include what I will need to pay extra in taxes, I am getting ready to pay an extra $800. It will be ready in 2 weeks. And in 2 weeks I will get another paycheck. Money is flying away but its not a bad thing.  

Stay tune to find out if I will get my cash from Shoppers Drug Mart - not time to write more unfortunately.

Sunday, March 23, 2014

Shoppers Drug Mart acquisition by Loblaws to be completed to March 28th

It took a very long time, but it will finally happen. The Competitive Bureau approved Shoppes Drug Mart acquisition by Loblaws. I had picked the maximum of cash option way back, and I hope to get a few thousands in cash - maybe 3 if I am lucky - and only, please, a few Loblaws share. This remind me of the TSX acquisition deal. At the time, I had picked a maximum cash option too, and I was left with only a few TMX shares - which I don't mind holding now. Those shares are there to remind me of the shit deal - bankers holding on to the end to the Canadian stock market. And now, after selling the TSX to bankers, Thomas Kloet, certainly all proud of his accomplishments, is now calling for retirement. Happy retirement, loser! Bye bye, go retire to North Korea Thomas Kloet please, where you really belong.

I wouldn't mind to hold a few Loblaws shares - there will be no more SC shares when this come to real. This move will help me to lower the usage of my margin. I am currently at $72 687.86 on my margin. It would be nice to get it lower eventually. But with a margin at of more 70k, I have a long way to go before it get paid off. However, it never been a preoccupation of mine. What I do care is to keep my margin under control. Currently, I only have left 5k of unused money margin. Its not a lot. To keep things nicely secure, I need to inject 5k - and 10k would be actually much better to keep my margin secure and safer. But 10k is quite an amount, you understand, so I have fix myself to only 6k.

I own less than 4k on my student loan and its a complete shame not to pay it off. So here is the deal, I only need $9 634 to inject 6k on my margin and $3 634 to pay off my student loan. With 9 months left to go for 2014, I can do both of those things with $1 070.44 per month. So now you know what will happen for the next 9 months. I could deliver a baby in the next 9 months if I get pregnant like NOW. That's not going to happen anytime soon. I wish to get pregnant in my forties only, when all of my sexy youth be wild done and I guess that at that time, I will have nothing better to do than changing diapers, doing laundry, and cleaning, cooking and so on and on. Later please, only later and even never, I wouldn't mind.

I used to have some cash lying in my bank account - years ago. I only keep the minimum required in there now. I may be able to find a 2k to remain in my banking account so I can be just like in the old days and that way I won't have any banking fees. I don't have any cash and before putting any more money down to my student loan or margin, I would very much keep a 1k for each of my 2 banking accounts - that would make 2k.

Following what, a 6k payment on my margin and the repayment of my student loan...

2014 = painful year

 
     

Thursday, March 20, 2014

Welcoming Spring, Investors!

Spring! Winter had been very long this year. Usually, winter in Montreal is not so bad but this year, it was like if the New Brunswick winter was in Montreal. I never went to a so cold winter in Montreal, it was quite surprising. Other than that, 2014 had been great so far. I paid off a credit line, credit cards and as you know, I only now have left my margin and student loan to pay off as debt. 

With only left $3 638.07 in student loan, paying it off is my next priority. However, before making any more extra payment on debt or whatever, I need to do my tax declaration for 2013. I certainly earn $50k this year + because I work all year long. I think I will have something like 1k or around to pay extra in taxes, and also, I probably going to have a few days of vacation for Easter in New Brunswick. 

I listen a bit to the Leaders Debate for Quebec next Prime. Nothing too much exciting. Quebeckers are paying millions for this election and the result will probably going to be the same. I don't think Liberals are strong enough to win. No Party have what it take. Legault, Couillard, Marois, David are not very interesting. And I don't find Quebec interests very interesting anyway. They are very fool selfish people and I do not belong here. Stucking in the money and one day I will be out of here.





Monday, March 17, 2014

House owning is for suckers

My grandmother is 91 years old and lately, it appear that she could no longer digest food. She couldn't keep in her stomach the normal portion of food that she normally eat for a meal. And as a result, she went to the hospital (in New Brunswick, of course, - she wouldn't be alive today if she would had been hospitalized somewhere in Quebec province!!), stayed there a couple of days, went better, was sent back home. Once back home, it started again. And at that time, I prayed for her and after a while, she has doing better and began to eat normal food again.

In Quebec, they have a Catholic show name Les Victoires de l'amour ??? or something like it. And yesterday, there was that girl in a wheelchair, saying that she was spiritual, but didn't believe in the Bible. And once again, I taught: those poor little f Quebeckers. They don't go to church, they don't believe in the Bible and they thing that God will help them anyway among the way? Forget about it. Deal with your own salvation. God won't answer.

There's nothing much more stupid than Quebeckers, that's for sure, and I have new proof of that day after day after day....

House owners are suckers and I am a suckers myself for working full-time in Quebec province, for stealing jobs to Quebeckers and for hating Quebeckers so damn much. And God is giving anything I want. So call money, so call b*itch. Is it really how its working? Oh yeah. After giving birth to many babies, a woman of 91 years old deserve to go in the last years of her life without too much pain.

Finally, Derek Foster got a few hours off from changing diapers and everything else to FINALLY write a nice letter to all of his readers and that including of course the famous me. Personally, I never dream of owning my own place. And that being for many reasons. 

In a place like New Brunswick, you can buy a very nice house for $150 000 and even less. Sound great at first but in New Brunswick, you got to clean the roof of the house a couple times in the winter. And if only it was the one and only expense... Taxes, which usually go up every year or so can hit a tight budget. When you become a home owner, you become a slave of the system. Once the tax go up, you have no choice, you have to pay more. you cannot battle that in any ways.

And once you want to sell, consider yourself lucky to sell at the initial price pay. I am not a believer of house owning to create richness. That is pretty much all bullshit. Mortgages are there so banks can make money and pay their CEOs millions and millions of dollars. The mortgage system is not there to help the middle class to make money. Its much more of a trap that can easily ruin your financial future. 

Its much more better to invest, make a 7k income or even more in dividend and have money to pay off yourself and your living expenses rather than bank and the corruptible financial system we live in here in Canada. Because if you lose your job, trust me, its not the bank who is managing your mortgage that will help you find a new job. No situation is secure. And that, Derek Foster is not saying a word of how much a house can diminished you financially. Derek Foster, now father of many  babies, has lost in intensity among the way.

You can compare a mortgage to the situation of my brother with his student loan. Student loan required close to $500 per month to my brother. That's what I call money sucking. The student loan suck $500 or close to my brother every and single months, and a mortgage, its even more, non stop for 25-30 years. Money sucking mean that it take money out from you, money that could be use to for much better things.

Money rule the world, but it doesn't have to control your every moves. Home owning is time and money sucking.

And yes, it was the post of the day!


My debt situation on date of March 17, 2014

$72 759.68 at 4.25% (margin money coming from my broker account): = 
$3 092.29 in annual interest

$3 638.07 at low interest rate loan at 5.50% (student loan) = $200.09 in annual interest

TOTAL: $76 397.75

TOTAL in annual interest: $3 292.38
[In date of March 17, 2014]

Sunday, March 16, 2014

Sprott Inc. (SII) is on a chou-chou train

This past Friday, I decided to partly sell my investment in New Flyer Industries (NFI), I currently hold just half of what I used to have. I used the money to pay off completely my CIBC Visa. Other than my margin, I now only have my student loan debt left, which is at $3 634.25. It could be paid off very quickly...

Lately, I had been surprised on how much Sprott Inc. (SII) had gained in value. How knows, it could possibly catch out its old $10 per stock value. If I am lucky, the Shoppers Drug Mart acquisition by Loblaws will go on and I will be able to cash out some money from the deal. but its been report, report, and report again... what is the problem? I want my money now and I cannot wait! This is very exciting. I could used the cash to pay off my student loan and pay if off forever and bye bye debt (except for margin of course).

I don't blog on a regular basis these days. Its because I have a part-time job online, I earned $750 from it so far. Its helping to pay extra expenses, like my trip to Quebec city last week and etc so I am quite happy about it. However, work doesn't come on a regular basis. Sometimes I got work, and sometimes now.

Its been a short and relaxing weekend and watching the elections going on in Quebec is making me laugh. We Canadians are watching the social destruction of Quebec province and believe it or not. Shit doesn't come for nothing. It pay back happy time.

Sunday, March 9, 2014

Its going to be paid off one day

I went for a quick shopping trip to Quebec City yesterday and it was fun. I met my old folks at the Place Laurier where their travelling bus was waiting for me and I arrived just on time! I was able to spend the day with my mom and dad, my aunt and a few friends. We haven't seen each other since Christmas, so it was a fun time. 

I need to make a payment on Monday, but after that, my CIBC Visa will be down to $984. With my student loan being at $3 634.25, I only have left $4 618.70 to pay off - excluding of course my margin. In 6 months from here - which lead us to October - my CIBC Visa and student loan will be paid off. Why only October? I have vacations days in April, and after that I probably going to pay 1k more in taxes or around that. And I also have vacations during the summer... But with that part-time job I have now, it probably going to be much earlier. 

And where its getting interesting is that one I get my CIBC Visa and student loan paid off, I will be able to live on less than 1k a month. I am working hard to make it happen. the sooner, the better.

Wednesday, March 5, 2014

How much it pay to follow Susan Brunner, Derek Foster and Jean-François Tardif

I don't know exactly what's going on, but my non-registered portfolio is popping up to a mega pow-wow and its on the $137 792.82 that I am playing hard. Back on January 1st, my non-registered was at 130k and my overall value was at $183 000. I could be sitting on a 200k right now, but I don't have enough time to work on an update. But I can certainly imagine, very easily a 200k and a net worth of 120k+. When the TSX is on the high, absolutely everything become very extra easy and achievable. Its way much easier to become rich on a smooth good looking TSX market rather than a rocky bear whatever else stock market.

With only $320 in dividend income for February, the richness was low in February, but I am looking forward for a very good dividend income in March. I already received FTS, ENF and CU dividend so far. I am making that debt payment on my CIBC Visa, and once that baby is all paid off, I am thinking of investing inside my TFSA. I am a Susan Brunner follower like I am a Derek Foster follower and a Jean-François Tardif follower. When I like, I just get stuckkkkkk innnnnn. And I really like Susan Brunner, she's, like DF and JFT one of the financial persona behind my successful 111k net worth. 

I had invested in KBL, ABX, CNR - among other - after reading about those great stocks on Susan Brunner stock. And today I read that Susan lost a love one - very unfortunate - life follow after dead but the money don't follow. However, I had the investing taste too in deep now to not invest from time to time and right now, I am in deep of something new, something fresh. And Susan Brunner came to the rescue. I find her Canadian Real Estate Investment Trust (REF.UN) interesting and it could be a nice fit for my TFSA. Once my CIBC Visa is completely paid off, I will reward myself with a nice and sexy new investment and it could be REF.UN because whatever Susan Brunner invest in, I want the same. The very same as her.

All this to say that everyone and get a net worth of 100k very easily and it doesn't take a 50k a year salary to make it. It took me a few years, but I went there. I begin with not even 35k a year. Its not a matter of how much you earn, its a matter of how you spend your money, and how you save in invest. For example, take Quebec province. It has all the richness in the world, mines, its produce its own electricity. We do not produce all the electricity we need in New Brunswick. But no matter what, Quebec province is full of debt and not to add to this full of shit too. Taxes are way higher is Quebec than in New Brunswick. And you don't want ever have to go to a Quebec hospital. The whole social system is insufficient in Quebec, but they have all the possibilities in the word. 

We may not be that rich in New Brunswick, but we understand the power of religion, we respect God and our government respect it citizens. Never you'll see in New Brunswick taxes going as hard and far as Quebec province do. And now, Quebec province is simply running more its economy by going under elections. How much the upcoming provincial elections will cost to Quebec? Certainly a couple millions. And Quebeckers certainly don't deserve any better.

By ruining the identity of other with their anti-religion law, Quebec is currently dealing with much more problems we could ever imagine and this is the revenge of those who are suffering for being religious and having to be ridiculed by stupid Quebeckers.

Its not always the richer who are the smartest ass. 

Us New Brunswickers, we are the best, Quebec can be throw to Hell where its belong. And just watch me catching the 200k portfolio real soon. Watch me baby, watch me.

Tuesday, March 4, 2014

Scotia Bank (BNS) increase its dividend distribution

My non-registered portfolio close the session at $137 438.68. Quite good, but it seem too good to stay on like that. Pappy Gordon Pape is still saying that we are going to have a correction, blablabli, blablabla, friends of the Golf Club will get richer, and I probably going to be poorer. Anyway, hit it on baby, I am ready. Crash baby crash. 

This upcoming Friday is going to be interesting because I am waiting for my pay and that money will go on to pay my CIBC Visa. I guess it will be something like $1 200. on top of that, add my dividend income for March - maybe something like $500. If lucky, its something like $1 700 I will be able to pay on my Visa, leaving a tiny balance of $704 behind.

Oh, and I don't know if you have catch the news, but Scotia Bank is making so much money that they decided to increase its dividend of 2 cents........ Quite hilarious, whatever.

The best thing I can do for now is to pay my CIBC Visa and after time, my student loan.

Monday, March 3, 2014

Does it really make any sense at all?

I knew my brother own a lot in student loan, I was still shocked to learn yesterday that he owned close to 40k in student loan debt.  He has to pay close to $500 pet make month just as minimum payment only. It just doesn't make any sense. As her sister, I told him to give the f student loan a call and shake up things. My brother live in one of the worst place in Canada: Ottawa. Ottawa is a shitty expensive place where public transportation suck. Ottawa only get exciting on one day per year: 1th of July. The Hill is full of shit and the whole renting area is super upper expensive and the workplace is extra fresh and arrogant and many workers are under paid because too much jobs are being managed by staffing agencies. I lived a few years in Ottawa and I was really happy when I left if you see what I mean. I very dislike my time in Ottawa, but I like to go there once in a while, but not very often.

So knowing all that, and especially knowing that my bro live on less than 50k per year, knowing he live in an extra expensive fresh f arrogant Ottawa are, hell in the world, why does he have to pay close to $500 per month on a F student loan. Does it make any sense at all?

My bro decided to follow the flow and do like too many other young people do: enroll to a Canadian university, be clean and and go deep into debt by enrolling into student loans. And what did he got in return? A holly bunch of debt. And a job, sure, but not a 50k a year salary. I don't think the Canadian educational system worth the debt it cost.

Sunday, March 2, 2014

February was an awesome investing month

Already the month of March coming in! Another rent to be paid, and bills, oh yeah. I rank up to a total of $1 681 in expenses for March. I have bought a new office chair for $191 in February. I didn't have any comfy chair, but now I have one so just be ready to read on some more interesting blog posts!

My credit card rank up to $895. Oh lala. I plan to control more my expenses in March and cut off morning (and sometimes) afternoon coffees and stuff. Its not outrageous spending, but I plan to be more careful and not buy any coffees at work - or at least I try. I don't like to rank close to the $900 on my credit card.

I am going to Quebec City next week for a shopping trip as my folks are going there so hopefully, we'll be able to meet without too much trouble. I have a cell phone, but of course, they don't. Anyway, the goal is not to spend more than $500 for the month of March on my credit card. Or maybe 600. Budgeting is HARD.

Even after a deposit of $1 600 on my student loan, my monthly payment is still the same $98, it didn't actually reduce the amount. But in result, my student loan balance is now of only $3 6030 and 42 cents. Not a fortune at all and I would very like to get rid of my student loan sometime by the end 2014. My brother own closed to $50 000 in student loan and believe it or not, his monthly payments are close tot he $500 per month! Students loans staff are retarded for sure.

In the immediate time I have my $2 404.45 credit card balance at 0% with CIBC that soon will expire. I will be ok to pay it off by the end of April. But wait, in April, I am going home for Easter and April is also the TAX month.

For the second year in a row, I have pop up the 50k in income for 2013. I probably going to have something close like the $600 to $800 to pay extra in taxes. I may need to use my BMO credit line for a limited time, I don't know. But the good news is that April will probably be a very good month for my dividend income.

Other than the usual money problem, I stop coloring my hair and my natural color is slowly showing and I don't dislike what I see. Its been 2 months since I didn't color my hair and I don't regret. I had been coloring my hair for close to 10 years now and the whole process of getting my hair colored is taking long each time and it need to be done every single months. So I got enough and stop coloring my hair, saving about $25-$30 each month. But I am not doing this to save money, its just that I really have enough of hair coloration.

To close February in all in strength and fabulous beauty, my non-registered portfolio finish the session at $137 516.02! In result, I have left $7 633.77 on my margin. I like to see the TSX at more than 14 000 points. I hope things will remain as good for the upcoming months as I am working at paying down my debt.

Wednesday, February 26, 2014

Its the RRSP season and you shouldn't care about it

Its the big RRSP season  once again and personally, I am not a fan of RRSP. I have 40k worth invested in RRSP and I can say that if I regret one thing in my life, its all that money that I invest inside RRSP. 

I am not a fan of RRSP for many reasons. First of all, you never can plan what kind of shit will put itself on your way. When you invest inside a RRSP, you cannot benefit that money until you retired at an OLD age. 

Investing in RRSP will provide an immediate tax benefit, but when you get old, and withdraw the money, you'll need to pay tax on that money + all gain made! Awful right? I think that all the money you can possibly save should go to pay down debt and inside a TFSA and after, a non-registered account.

I need money now, not when I will be old and grey.

The name of this B**** is M-O-N-E-Y, Honey

And you are all going to understand really quickly why. Its a mega portfolio pow-wow! My non-registered portfolio is on the $137 226 value right now, its highest value ever. I own this success to some good old stocks of mine. When I say old stocks, I mean stocks that I had been holding on to for a veryyy longggg time. Those extra special stocks are like Methanex (MX), which I bought at close to $16 per stock back in sometime like,,, 2008. And in 2008, I was a 28 year old chick. As the year pass by, I luckily only got richer. MX closed the day at close to the $75 today. That's right, that baby is going to stay with me forever. Hello, no not diamonds, but hello very expensive $$$ cash.

Another stock that totally turn me on at this time is Premium Brands Holdings Corp (PBH), currently trading on the high at $23.60, I got in the game at $16.66. I own this one to Jean-François Tardif. And talking about the Jean-François Tardif, is JFS.UN fund is finally kicking some ass and making me a very very rich girl.

Other stuff like AGU, BNS, PGF, CNR, oh yeah CNR, DH and sooo on had made of me a lucky girl.

Richness is relative. For some, being rich mean being a millionaire. For others, a $50 000 is all they need.

Monday, February 24, 2014

Saying hello for the first time to a $190 000 portfolio

I haven't post nothing in about 2 weeks, which is quite unusual, but I had been busy with a part-time activity. I made I guess around $700 from it so far and I already been paid for one project. I plan to use the money to pay down some debt. I have update my home office chair to a new one, it make it more comfortable to spend those long hours in front of my laptop, or even for blogging.

Even while being busy at other stuff, I kept my eyes on the stock market and I saw it going up up up. The TSX pop up the 14 000 points mark, like WOW! And I knew at that time I was on the $190 000 value at that time. I was very excited. My net worth is now at $111 472.91. If the rhythm stay the same, who knows, I could easily get on the $150k net worth by the end of 2014. Wouldn't be great?

My debt repaying plan is going on well. Other than my margin, I only have left $3 723 on my student loan and a balance of $2 508 on a 0% credit card that I need to pay by the end of May. $2 500 is quite an amount and my priority is now to pay it as soon as possible. The month of May is coming in a hurry! And some vacations in Easter too...


Sunday, February 23, 2014

My investment portfolio on date of February 21, 2014

In date of February 21, 2014:
Non registered Investments:
Stocks and Units investment portfolio $CAN 
Timminco (TIMNF): $1.56
Blue Note Mining (BNT.H): $2
Bank of Nova Scotia (BNS): $6 954.10
Hanwei Energy Services (HE): $21
Methanex Corporation (MX): $7 430.42
Fortis Inc. (FTS): $3 346.30
Pembina Pipeline Corporation (PPL): $18 387.60
Just Energy Group Inc. (JE): $7 200.10
Pengrowth Energy Corporation (PGF): $1 727.30
Enbridge Income Fund Holdings Inc. (ENF): $8 561.54
Corby Distilleries Limited (CDL.A): $2 265.50
Davis + Henderson Corporation (DH): $6 199.20
Premium Brands Holdings Corporation (PBH): $10 255.45
EnCana Corporation (ECA): $4 370.08
iShares S&P/TSX Capped REIT Index (XRE): $2 417.80
Horizons Gold Yield Fund (HGY): $1 376.55
Canfor Pulp Products Inc. (CFX): $1 383.48
New Flyer Industries Inc. (NFI): $2 296.32
Exchange Income Corporation (EIF): $4 915.90
Colabor Group Inc. (GCL): $476.34
TMX Group Inc. (X): $401.52
K-Bro Linen Inc. (KBL): $3 750
Westshore Terminals Invest Corp (WTE): $7 344
WesternOne Inc. (WEQ): $2 850
First Majestic Silver Corp (FR): $1 341
Kinross Gold Corp (K): $877.31
TransCanada Corp (TRP): $1 222.50
Canadian National Railway Co (CNR): $5 577.30
Firm Capital Mortgage Investment Corporation (FC): $476
Enbridge Inc. (ENB): $1 335.60
Agrium Inc. (AGU): $2 620.02
Canadian Utilities Limited (CU): $1 637.58
Crescent Point Energy Corp (CPG): $854.92
JFT Strategies Fund (JFS.UN): $2 412
Geovencap Inc. (GOV.H): $0.40
Black Diamond Group Ltd (BDI): $758.25
Emera Inc. (EMA): $820.25
Cineplex Inc. (CGX): $1 002.25
Barrick Gold Corp (ABX): $931.60
BCE Inc. (BCE): $1 051.60
Stella Jones Inc. (SJ): $527.40
Shoppers Drug Mart Corp (SC): $2 991.50
Saputo Inc. (SAP): $1 071.80
Canada Bread Company Ltd (CBY): $2 527.70
Lassonde Industries Inc. (LAS.A): $1 156.20
Toronto-Dominion Bank (TD): $993

TOTAL: $136 130.24

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 384.74
Cash: $4.12

TOTAL: $1 388.86

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $30.15
Dumont Nickel Inc. (DNI): $129.38
Sprott Physical Silver Trust UTS (PHS.U): $2 004.40
Sprott Strategic Fixed Income Fund (SFI.UN): $363.50
Healthlease Properties Real Estate Investment Trust (HLP.UN): $1 057
RioCan Real Estate Investment Trust (REI.UN): $926.45
Precious Metals and Mining Trust (MMP.UN): $565.20
Sprott Inc. (SII): $3 522.53
Chorus Aviation Inc. (CHR.B): $594.36
Data Group Inc. (DGI): $474.64
AltaGas Ltd (ALA): $1 252.50
CT Real Estate Investment Trust (CRT.UN): $1 131
Cash: $73.09

TOTAL: $12 124.20

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 555.86

iShares Gold Bullion Fund (CGL): $3 978.26
EnCana Corporation (ECA): $2 227.06
Emera Incorporated (EMA): $7 546.30
Sprott Physical Silver Trust UTS (PHS.U): $668.13
Toronto-Dominion Bank (TD): $1 489.50
Barrick Gold Corp (ABX): $1 164.50
Stella Jones Inc. (SJ): $2 637
Telus Corp (T): $1 939
Tim Hortons (THI): $582
Cash: $196.33

CIBC Dividend Growth Fund: $677.13
CIBC Emerging Markets Index Fund: $329.88
CIBC Monthly Income Fund: $1 198.75

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

GIC National Bank: $1 277
GIC Plus TD: $500

Manulife Fidelity NorthStar GIF CAP B: $1 200.26
Manulife Simplicity Growth Portfolio: $1 076.65
Maritime Life CI Harbour Seg Fund: $1 211.17
Maritime Life Fidelity True North Seg Fund: $1 304.12
Manulife GIF MLIA B World Invest: $872.74

Great-West – various: $2 189.08 
Various other mutual funds: $1 333

TOTAL: $40 133.08

Social Capital at Desjardins Membership share: $40 

Savings + Stocks, units, mutual funds + Tax- 
free Savings account + RRSP + Online Income
($123.95):
$190 040.33

Saturday, February 22, 2014

My deb situation on date of February 21, 2014


2 508.45$ for 6 months at 0% (credit card) = $0

$72 335.03 at 4.25% (margin money coming from my broker account): = 
$3 074.24 in annual interest

$3 723.94 at low interest rate loan at 5.50% (student loan) = $204.82 in annual interest

TOTAL: $78 567.42

TOTAL in annual interest: $3 279.06
[In date of February 21, 2014]

Tuesday, February 11, 2014

CIBC Visa decided to treat the Dividend Girl like a Queen... and you should all do the same!

Not so long a ago, a reader was asking if I finally got my credit check and what my score was. Well, I didn't get my credit check yet, but I guess I have one of those very good credit score because once again, CIBC Visa decided to treat me like a Queen.

With CIBC Visa, I am currently under a 0% credit card balance promotion. Nice, but it seem not to be enough for CIBC Visa. I received the following offers by mail today: CIBC Visa offer to increase my credit card limit to close to 10k. And that's not all! CIBC Visa is offering me 1.99% interest rate for 6 months. Both offers are nice, but I am not accepting one or the other as I have more debt that I need on my back. The 1.99% offer for six months is not that much interesting because a 1% immediate fee need to be paid off, and to that you need to add 1.99% interest rate. Not to interesting.

I haven't mail my $1 600 to the Student Loan yet, and I guess its the best thing I can do for now, rather than getting into a credit card limit increase and stuff.

Sunday, February 9, 2014

For those cold winter nights, try David Tea The Spice is right

The weekends are always a nice time and the day FOLLOWING a paycheck is always extraordinary. Yeah! I had discovered an extraordinary David Tea name The Spice is right, a spicy orange green tea with 0 calories and the taste is absolutely amazing, its my new favorite tea. While drinking The Spice is right, you could thing that the tea contain sugar, but no sugar, only a very great taste! The mix of orange and cinnamon is very good! Check on the Spice for those cold winter nights.



While drinking that awesome tea, I wonder: what am I going to do with that money? In total, I have a $1 600 available to do whatever I want. Excluding my margin, my debt include a $2 500 credit balance at 0% for 6 months and a $5 381.54 student loan. My margin situation is stable for now, and I have plenty of cash available - $20 000 available on my different credit lines and I have an immediate access to $15 000 in case of need. So no excuse, I have no excuse. I haven't done extra payment on my student loan in a very long time and with only $5 381.54 left to be paid, giving an extra push on it wouldn't hurt at all. I don't have much debt excluding margin, so paying off as much possible, why not.

I currently have to make a monthly payment of $98 on my student loan. With an extra payment of $1 600, it could lower my payment to $69 a month and lower my student loan to $3 781.54.

I have establish a minimum monthly budget that goes like this:

Rent: $615
Grocery: $200
Internet: $39
Cell: $41
Laundry: $18
Student Loan: $98 $69
Banking Fees: $6
Credit card at 0%: $53
Total: $1 041

Knowing my habits, a more realistic budget should include an extra $300 for other expenses like coffees and stuff like hair products, makeup and clothes. A more realistic is $1 350. Its getting more and more interesting. 
 

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