My investment portfolio on date of March 4, 2016

On date of March 4, 2016:

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.24
Bank of Nova Scotia (BNS): $6 720.11 
Blue Note Mining Inc. (BLNMF): $0.01
Hanwei Energy Services (HE): $16.50
Methanex Corporation (MX): $4 738
Fortis Inc. (FTS): $4 396
Pembina Pipeline Corporation (PPL): $16 127.37
Just Energy Group Inc. (JE): $6 759.54
Pengrowth Energy Corporation (PGF): $298.75
Enbridge Income Fund Holdings Inc. (ENF): $10 354.83
Corby Distilleries Limited (CSW.A): $2 190
Davis + Henderson Corporation (DH): $8 188.40
Premium Brands Holdings Corporation (PBH): $20 657
EnCana Corporation (ECA): $1 562.2
iShares S&P/TSX Capped REIT Index (XRE): $2 342.34
Horizons Gold Yield Fund (HGY): $1 166.83
New Flyer Industries Inc. (NFI): $2 806.92
Colabor Group Inc. (GCL): $93.84
TMX Group Inc. (X): $347.44
K-Bro Linen Inc. (KBL): $4 549
Westshore Terminals Invest Corp (WTE): $3 173.44
WesternOne Inc. (WEQ): $163.40
First Majestic Silver Corp (FR): $646
Kinross Gold Corp (K): $599.47
TransCanada Corp (TRP): $1 231
Canadian National Railway Co (CNR): $7 088.40
Enbridge Inc. (ENB): $1 369.48
Agrium Inc. (AGU): $2 985.32
Canadian Utilities Limited (CU): $1 444.38
Crescent Point Energy Corp (CPG): $396.88
JFT Strategies Fund (JFS.UN): $2 361.15
Black Diamond Group Ltd (BDI): $114.50
Emera Inc. (EMA): $1 149
Cineplex Inc. (CGX): $1 247.50
Barrick Gold Corp (ABX): $731.20
BCE Inc. (BCE): $1 264.56
Stella Jones Inc. (SJ): $934.60
Saputo Inc. (SAP): $1 572.80
Toronto-Dominion Bank (TD): $1 073.20
Lassonde Inc. (LAS.A): $1 550
Loblaw Companies (L): $841.56
Lumenpulse Inc. (LMP): $792.50
Canadian Imperial Bank Of Commerce (CM) : $1 390.50 
Hydro One Limited (H): $2 340

TOTAL: $129 776.16

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $965.55
Cash: $4.12

TOTAL: $969.67

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $47.46
Dumont Nickel Inc. (DNI): $12.92
Sprott Physical Silver Trust UTS (PHS.U): $1 673.64
RioCan Real Estate Investment Trust (REI.UN): $918.75
Precious Metals and Mining Trust (MMP.UN): $388.24
Sprott Inc. (SII): $2 274.76
Data Group Inc. (DGI): $6.98
AltaGas Ltd (ALA): $991.50
CT Real Estate Investment Trust (CRT.UN): $1 460
National Bank of Canada (NA): $904.59
Canadian National Railway Co (CNR): $3 150.40
Exchange Income Corporation (EIF): $5 950.80
Firm Capital Mortgage Investment Corporation (FC): $519.60
Brookfield Infrastructure Partners L.P. (BIP.UN): $2 255.85 
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 152 
JFT Strategies Fund (JFS.UN): $1 930.50 
Laurentian Bank of Canada (LB): $927 
The North West Company Inc. (NWC): $1601

Cash: $349.99

TOTAL: $26 515.98

RSP investment portfolio:
iShares Gold Bullion Fund (CGL): $3 775.46
Emera Incorporated (EMA): $11 398.08
EnCana Corporation (ECA): $788.40
Sprott Physical Silver Trust UTS (PHS.U): $557.88
Toronto-Dominion Bank (TD): $1 609.80
Barrick Gold Corp (ABX): $914
Stella Jones Inc. (SJ): $4 673
Telus Corp (T): $1 958.50
Stantec Inc. (STN): $963.84
JFT Strategies Fund (JFS.UN): $3 712.50
Cash: $397.70  



CIBC Dividend Growth Fund: $665.86
CIBC Emerging Markets Index Fund: $430.95
CIBC Monthly Income Fund: $1 207.68

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 305.54

Manulife Fidelity NorthStar GIF CAP B: $1 558.68
Manulife Simplicity Growth Portfolio: $1 156.13
Maritime Life CI Harbour Seg Fund: $1 146.04
Maritime Life Fidelity True North Seg Fund: $1 379.29
Manulife GIF MLIA B World Invest: $1 007.89

Other various: $6 249.15

TOTAL: $47 538.42

Social Capital at Desjardins Membership share: $35 Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$204 835.23

My vacations at Mercure Playa de Oro in Varadero, Cuba - Part 1

I came back from my trip in Varadero last week. Going back to work in the snow, rain and slush was quite rough and it seem like I saw nothing yet because a big snowstorm is about to hit Montreal tonight. My portfolio is doing better now than before I left. My non-registered portfolio is now at a good $130 024.33. I should definitively go to Cuba more often! I have to say, during my week in Varadero, I went to Havana one day and there touch the water from a so call magic water fountain next to a church. And I sadly wish it all about money... but it seem to be working!

Here' the fountain:

I was in a hurry, with a tour guide, and some pictures are... dancing. But its all very authentic.

Vising a communist country where people live poorly and have access to barely nothing was never in my plans, and I am still against the principle, but my mother really wanted to go to Cuba, and I was the only one who could go with her. By visiting massively Cuba, foreigners encourage the current system. Cuban people are just too nice and sweat to begin a revolution and fight against their poor living conditions. They don't know anything else, but they are perfectly aware of what they don't have and don't have access to. This being said, Varadero and Havana seem to me like being 2 very safe place to visit. Cuban are poor, but there's no sign of any aggressiveness in them. They are happy people, but they are struggling to survive and to make ends reach. Havana is very magical and despite everything, I think we should all visit Havana at least one time in our life. I visit once, but it wasn't enough. I would like to spend a 5 days in Havana, maybe for a next trip, now that my portfolio is doing better. 

The good thing about Cuba is that trips in all inclusive resort are cheap. For a 7 days at Mercure Playa the Oro with Air Transat, I pay $929 + an $80 for insurance. So this was quite cheap in my sense. If I would had book one week earlier, I could had pay only something like $850.

My father suffer from severe asthma, so I didn't push for him to go with us. I had no idea how he could react to a hot environment and sincerely, if you are not in perfect health, don't go to Cuba, Mexico or any south destination. Since the environment is not the same, someone who is more vulnerable physically may catch some other type of germs to which him or her could react badly in reason of an existing sensibility. One thing for sure if you go to Havana and anyplace else in Cuba: don't drink any water. Asked for drink with no ice. Eat moderately. Water can be easily replace by Crystal beer or any delicious alcohol at any time of the day while being at the resort. And bring a thermo cup, coffee cup or something similar to keep your drink free of any sand.

I stayed at Mercure Playa de Oro located in Varadero Cuba for one week. The hotel was nice. Our room was actually nicer than the one and a half apartment I have in Montreal. I was in the room 1237. No hotel room was a direct view to the sea, even if the sea is about 5 minutes walk from the hotel. When we enter in the room the first day, a strong humidity smell came out from the room. We quickly open the patio door. After what, I check the bathroom - everything was fine. Toilet and shower in very good conditions, like new. We had a safe in the room, which was descent. The door of the room closed perfectly. We had to leave a towel on the ground while taking out shower because water was going on the bathroom floor, no matter what. There was a lot of humidity. Nothing would dry. We left the patio door open during out stay. Also, probably because of the strong humidity, we had some very small insects on the bathroom sink, but on the bathroom sink only. Not very much, but still noticeable despite being very small, maybe 1 mm. So we never left our toothbrush or anything in the bathroom.

Here are some pictures of the room 1237 of Mercure Playa de Oro:

The safe that work with the room card.

We had a nice TV in our room, we had a US and one French Quebec TV channel. But of course, we didn't watch a lot of TV. We were there for the beach! The beach next to the Mercure Playa the Oro was very nice, very clean. And when we hit the beach, usually, there was one hotel employee who asked were we wanted our chairs and brought it where we wanted. A real princess treatment.

The beach was very beautiful and the sea was nice.

However, there must some days had some beach bugs or something because I had some irritation at some points and I got a few bites on my sexy thighs. I no longer suffer from irritations but my skin is quite dry. During our first few days, it was really windy, I couldn't even wear my cute little beach hat. The sea was quite violent too. At the end of our stay, the earth elements finally became more human.

Brian Gallant is stealing the show at Tout le Monde en Parle. Way to go Brian!

New Brunswick economy never been on a golden road, and it seem like now more than ever, my hometown province is suffering from the current financial environment. Its a fun game when you have to leave your province just to be able to have a job and earn some money. At least, a compensation is coming forward for your favorite Dividend Girl as I am soon going to fly to Cuba Varadero for a week of sun, sea and beach.

New Brunwsick Prime Minister Brian Gallant was at Tout le Monde en Parle this evening - a popular French Quebec show. He was there to talk about Energy East project. He had an interesting talked. Oil need to travel in some ways. If its not pipeline, it will be by train. I know my home province is desperately in need of jobs, but I am not ready to accept Energy East project just because it will create jobs in New Brunswick. I cannot believe that we are still today rely so much on oil. No matter what, I am very proud of Brian Gallant, he did a nice job with that interview, New Brunswickers are being nicely represent. His job is so hard. New Brunswick has to deal with a lot of issues. Energy East is an easy solution for New Brunswick lack of economical prospect, but Brian Gallant needs to seek help somewhere else. There's no easy solution.

In the meantime, the TSX is not going through an easy time. I would just like to see a more stable stock market environment. It would make me feel less powerless. My non-registered portfolio is now at $124 348.94. Not too bad, I seen worst days.

I didn't have time to call back TD Direct to find out about JFT Strategies Fund (JFS.UN) dividends that I never earned. Back in December 18, 2015, this was the announcement made for JFS.UN:

"For the Fund listed below (JFS.UN), the Estimated Special Distribution will be paid on or before January 15, 2016, to holders of record on December 31, 2015. The Estimated Special Distribution will be paid by the issuance of units of the Fund, and immediately thereafter, the issued and outstanding capital of the Fund will be consolidated such that the number of issued and outstanding units of the Fund does not change."

???

I understood from this that I was going to earned direct dividend. But it seem like I can only dream. It was too complicated for the JFT Strategies Fund (JFS.UN) to please its investors.

Again, JFT Strategies Fund (JFS.UN) playing with my nerves

Sorry to begin this new post this way, but I still didn't received my JFT Strategies Fund (JFS.UN) dividend. Tomorrow, I am going to call again TD Direct and this time, I am going to push over the use of my sweetest, sexiest kitten voice ever and BEG for my dividend. PLEASE SIR. PLEASE!

One thing for sure, I am not going to give up on my JFT Strategies Fund (JFS.UN) dividend.

Another short post.

JFT Strategies Fund (JFS.UN): where are my dividends from the January 15 special distribution???!!!

It was a released to see the TSX going back to almost 13 000 points. My non-registered portfolio almost closed at 125k. It actually closed at $123 656.42. The stock markets are playing with investor nerves. Its not a good financial environment. Its disgusting. And when I read articles like this one, it make me laugh. Life is getting more and more expensive, you can't never save ENOUGH money. It wasn't long ago when I saw cauliflower at $10 each... At that price, you better buy frozen ones. In my hometown in New Brunswick, grocery can get really expensive.

I am very very disappointed, I didn't received yet any dividend distribution for my JFT Strategies Fund (JFS.UN) units. I should had received my dividend on January 15, $0.811 per units. I call TD Waterhouse to find out what was going on. As you know, I book a trip to Cuba and I especially need my money now. 

See, this is the reason why you always need to always check on EVERYTHING. I like to note in my agenda my upcoming distribution date. Because distribution date = fresh new cash to pay for my diet pills, makeup, anti-cellulite cream and so on. :-)

I just hang up the phone with TD Waterhouse - which is no longer TD Waterhouse, but I found that name much more elegant than just a boring TD Direct. The broker create a ticket and I need to call back in 2 business days to find out what's going on. This is the first time that I am not receiving expected payment. So I wonder if its not a problem going from JFS.UN, who suddenly decided to keep the money in their pockets. I had received some JFS.UN special distribution in the past, but not this year. I am upset. And all that for a bit more than $230... What can I say? I want my every pennies. That amount is actually paying a part of my Cuba trip, so sexy keep running for money wherever it can be found.

I will of course keep you update regarding the situation with JFT Strategies Fund (JFS.UN).

The only condition to received JFS.UN special distribution was to be holder of units since December 31, 2015.

You don't need Weight Watcher to lose wait, common sense is the key

My non-registered portfolio closed today session at $119 098.23 - which is way better than what I had been on lately. These days, I spend a lot of time at the gym and a lot less in from of my laptop. Its been announced that Weight Watchers stocks jumped after Oprah announced losing 26 pounds on the program. To lose weight, eat less, and go to the gym every single evening of the week. No need to enroll in an expensive problem like Jenny Craig or Weight Watcher. Keep your money for investment purposes, no Weight Watcher super junk weight loss program.

This post was short.

All in a bad day for the stock market

While the TSX kept losing points like crazy, I was at work, and following that, I hit the gym. As I was upset because the TSX went all down, I burned down 700 calories and went back home. At a point, I taught that the TSX was going to hit the 10 000 points, it was going all the way down, what a misery. The weather is quite cold in Montreal these days so I am quite happy to be able to move my booty at the gym rather than outside. Imagine, I train at the gym 2 hours everyday.

This being said, my non-registered closed this bad day at $114 245.91. I did not received yet any special dividend distribution from the JFT Strategies Fund (JFS.UN), I am still waiting.

Thank you JFT Strategies Fund (JFS.UN) for the special dividend distribution

Rough day on the stock market as the TSX closed today session under the 12 000 points. In result, my non-registered portfolio finished the day at $112 999. But I have at least a good news, the JFT Strategies Fund (JFS.UN) is about to pay a massive special dividend to its investor: $0.811 per unit. It may sound like its nothing at all, but its not. I hold some JFT Strategies Fund (JFS.UN) units inside my non-registered portfolio, TFSA and RRSP. Only from my non-registered and TFSA, I will be earning $234.38. I just wonder if the distribution will DRIP or not - and I hope not because I need money!

I currently hold $262.84 in cash inside my TFSA. With that extra $234.38 coming it, its about half of my Cuba trip that will be paid off. Recent reviews on Tripadvisors.ca of the resort I book continue to be so-so. I bought a little first aid kit as well as stuff against the mosquitoes - just in case. I also brought some Imodium (!!!) and Benadryl pills, and Advil as well. I don't want anything bad to happen, but at a point, there's nothing much I can do.

While the TSX seem going all the way down, I continue to train daily at the gym. I can do more than 2 hours without any pain now, which wasn't the case last week. I like the gym machines because they show how much calories are burn. This evening was a good 700 calories burn. While burning calories, I don't think of all the money I lost, had lost, or will lost on the stock market. I walk/run, walk/run and I sweat a lot, but I don't get to think a lot. Its the beauty of training. After work, if you train let say like me 2 and a half hour, following that, you won't have much time left to see how bad is going your portfolio and trust me, it might be better this way.

Personally, I would like to invest again in one of my longtime favorite, CNR.

These days, the stock market doesn't deserve any attention

This past Friday, my non-registered portfolio closed the session at a horrible $115 282.07. 

If I don't write a lot lately, its because I am very busy. Its busy at work, but I try to leave as soon 5 pm arrived so I can hit the gym and burn some calories before hitting to... Varadero Cuba. 

I registered to my local Econofitness and I had been working out every single day ever since, at the exception of today, because the gym is closed on Sundays. Working out is like a drug., but a good one. Its easy to get in the rhythm of work-gym-bed time. I really like working out.

I am expecting to continue even following my Cuba trip - if I ever come back lol.

The stock market is very disturb. In the meantime, I prefer to put my energies someplace else other than watching the tragedy taking place. I barely pay attention to what is going on right now, believe it or not. My portfolio can go as low as it wanted too, as long I can cover my margin account, I will have the rest of my life to recover. 

Things are extremely shacked up because, among other, the drop in the value of oil. CNR, RY, could worth right now the investment. It take a lot of resilience to invest in those down markets. Its when the markets are down that we need to invest - try to remember that.

I am getting my suitcase for Cuba ready.

How to deal with yourself when the stock market becomes frightening: investors don't panic

These days, the stock market is a rough place to be. My non-registered portfolio closed the session at $117 577.57. Its better than the 116k I was on not too long ago. During those hard time, its important to stay a bit detach. Of course, we all follow our stock, but it shouldn't be of a great concern when the markets are down. Its not anytime soon that the markets are going to recover. I never saw such terrible financial conditions since I started investing. Its frightening and its ugly.

While dealing with problems that never seem to come to an end, its important to stay focus on other things, if not, its going to be ugly. We all take at heart our finance, but there's when nothing much can be done. As for myself, I decided to let it go. I let my portfolio take whatever direction it want. Despite my detachment, I can feel your pain, I can feel my pain. And its quite of a maybe too hard symbolic to learn that someone like David Bowie died recently. He must have been a good fellow. What a voice and what an enigmatic star.

Now is the perfect time to invest your time and energy in all kind of activities. Now more than ever, its a good time to do it like a Dividend Girl:

-plan a cheap trip (like in Cuba, like I am doing now).

-do an in deep cleaning of your house/apartment (I did so the weekend ago).

-sort your clothes and give away things you don't wear anymore (done!) 

-registered to a gym and train (I registered this evening after work to Econofitness, tomorrow will be my first ever gym session!)

-read a good book

-start a blog (like me!)

 

 As you know, I book a week at a Varadero, Cuba resort and ever since, I am checking the reviews on TripAdvisor. Most of the reviews are good, but in the last one or two, its been said that some rooms got in fire following a storm and left tourists without electricity. True or not? Its barely possible to know. I gave a call to Air Transat, and from their ends, everything is ok with that resort... So I really don't know, but I am bringing a little flashlight with me in my backpack, who knows, I might need it. 

I have more than one month still left before leaving for Varadero, but I am already preparing my stuff. Once I will be back, you'll know where I had been. I will do a full completed post on my experience. Until that time, I am getting ready.

Regarding the currency, its better to bring in Canadian cash rather than US one. The money bills need to be in good shape - like new - so that way, they won't be refused. According to Air Transat, the best place to exchange the money is at the hotel (CADECA?), where they have a place there to exchange money - their rate is lower than the one at the airport - but that is difficult to know.

Yesterday evening, I was at the Trudeau airport - my brother was taking a plane to go to New Brunswick. As I left him so he could take his plane, I stopped by Currency Exchange ICE and just for fun, I asked about CUC Pesos. Its coming, soon they will offer it. The rate is $1.60 for 1 CUC - which is very expensive. Currently, $1,42 = 1 CUC.

That is for Cuba news for now.

In a desperate stock market environment, real cash is hard to save

Today was supposed to be an important day. I was supposed to hit the gym (yes!), but before going, I check online, and the local Econofitness where I wanted to registered was closed... Too bad! I was going to respect one of my many New Year resolution, but it just didn't happen. At least not today.

However, I did exercised anyway, despite the rain. I went for a walk on the Mont-Royal Avenue. On my way back, I stop by the Renaud-Bray library on Saint-Denis to read magazines, like I usually do, and to my surprise, I saw a "Quebec celebrity" with his young baby: Guy A. Lepage. I wasn't sure if it was him or not, but I check later on his Twitter account, and I saw that he had post a message about pushing a stroller... and taking note of all the stores that are closed in the Plateau Mont-Royal... It was the man. People left him alone. Only New Brunswickers like myself can get really excited when seeing a celebrity! hahaha! And it honestly very often happen when I am at my worst, wearing   jogging and no make-up on because its Sunday. I didn't learn my lesson yet. 

Plateau Mont-Royal is among one of the most expensive places in Montreal, its not a surprise that many stores have to closed. Rent for business owners might be extra expensive. At a point, there's too many restaurants and little boutiques, all cannot survived. And I think that this reality will be more present in 2016. As the stock market go down, people are getting scare and spend less. Its actually how I react to the very stressful climate we are in right now. Its not something that will be fix overnight. Some compare what we are living right now to 2008 but its far different. 2008 was about the US mortgage crisis. Lately, we had been facing a big drop in the value of oil, many jobs lost in Western Canada, China is coming out with a bunch of new problems that we never had to deal before - or choose to ignore. In all this what 2016 will be like? What I feel is that 2016 will be another very rough year.

You can imagine, now more than ever before, I am extra careful with my spending and I am currently writing down in my agenda how much I am spending and for which purposes... It could seem quite drastic, but I lost thousand of dollars on the stock market alone, I had book a trip to Cuba in February, and I am trying to put away some cash that would eventually stay in my bank account... Possible or not? Montreal itself doesn't make it an easy place to save money. It need a lot of self-control. Everything become possible only from the minute you put time and efforts into it. For the week of January 3th, I spent $120.73.

I don't have any formal cash reserved; its been the cased for the several past years. My dividend earnings bring in some cash, but all the extra money I earned in the past years went directly to buy new investments or to pay down some debt. I would like to have a couple thousands saved at the bank. My worst fear would be to have to sell some of my investments to cover some emergencies spending. Be 100% invested is not a good thing, for the simple reason that money is always and will always be needed. This is really not easy for me because the thrill of my next investment move is what used to keep me going. But in a market with such volatility, its my own little world that is collapsing under my feet and its not fun. Its not fun at all.

Varadero Club Karey for as low as $529 with Air Transat: is there a catch?

The stock market keep going ugly and uglier each day! My non-registered portfolio closed today session at... are you ready... a super low $116 973.90. For once, I will be happy when my portfolio will be back again at $120k... 116k is my new low. Its certainly not a good time to be an investor, but its a good time to go to Varadero, Cuba with Air Transat!  I have a fun time checking on all included resort. Some trips are really cheap... but hotel review are really bad. If you are adventurous, you can always go to Club Karey located in Varadero, a 3 stars resort. Air Transat currently offers 7 nights, all included to Club Karey for only $529... One reviewer had described Club Karey as a Al Capone resort... But there are also good reviews. From what I saw, Club Karey in Varadero is a big no-no. I don't even understand why Air Transat is offering such a disgusting resort option to its clientele.

If you shop around for trips, always add $100 on top of the trip fee - it will give you an idea of how much it will cost. You cannot entered Cuba without showing a proof that you have health insurance. I am keeping a look at the reviews online for the resort I book. I saw one bad review, but some others are really good so I no longer know what to think! It will be a surprise! A f amazing surprise LOL.

In times like these, its better to stay away off the market, completely off, and stay away from any laptop, computer, tablet or cell phone. Cuba is the perfect place to be, its almost impossible to place trades from there, as Internet connection appeared to be slow and access very limited. Can you truly imagine living in a place where WiFi is not available????

I continue my preparation for my trip. I stop by an Exchange Currency spot, but there, I learn that Cuba pesos is a restricted currency and that it can only be purchased at Cuba. I wanted to have a few 1 pesos because I read that its impossible to get small dollar bills at the hotel. Don't expect me to tip $5 each time. I am losing money like crazy right now, I am poor too! Isn't a good excuse not to give any money tips? I won't be making any friends in Cuba, that's for sure! Cheap cheap poor Canadian tourists. I plan to bring a couple of things for the room maids and leave a little something on the bed each day. But don't expect much coming from a broke Dividend Girl!!! 

In the meantime, I am watching closely my expenses. I spent a bit more than $1 000 on my Cuba trip, insurances included. My mom left me with many frozen stuff - she had cook many things while I left her alone during the day - because I was at work. In result, I have all my lunches for next week done and best of all, I still have some groceries left. I will try to spend not more than $300 for what we have left of January. My expenses in December went up quickly, with Christmas gifts, bus ticket to New Brunswick, and the week with my mother in Montreal...

Money is flying away these days and the stock market is not helping me in any ways.

Varadero, Cuba: be ready, I am coming!

As the TSX keeps going down, I am preparing my first Cuba trip with my mother. We plan to go sometime in February. These past days, I had been checking Air Transat Web site. You just need to click there to book your next getaway! The resort I spot was about $100 cheaper last week... I have to do quickly!

I plan to go to Varadero, in a little resort well located, closed to Varadero airport and, most important, close to the beach. I have to say, I wasn't very excited to go to Cuba this year when my mom present the idea, but now, I am into it. Especially when its -16°C outside. All included insurance (which is needed), is $95 (taxes include). The trip itself, including insurance, is, at this time, a bit more than $1 000. But prices vary day-to-day. 

Its very simple to book a resort package. You pick your week, the city and your hotel, everything is included. You call Air Transat and you book over the phone with a credit card. You get the tickets by email, one month before the trip. And you need to be at the airport 3 hours before the flight.

I need to quickly confirm my vacation and closed the trip as soon as possible. Prices are very expensive in March!!

Finest Sherry ever: Regency Fine Old, Canadian Apera, Fortified Wine, 20% alc.: drink your life while you can

Sometimes in 2016, I will be turning 36.

(Off topic).

When its a cold -17°C outside, that Montreal sidewalks are on ice and that the TSX closed at less than 13 000 points, when all of those events happened on the same day, well, in such a day, you have the right to finish the day with a glass of sherry, or a beer if you don't have anything else, in front of your laptop. Its what I am doing right now. Not that I am trying to escape from the reality, but I am seeking for a consolation price. While the world is all falling apart, the worst is to follow it.

The year 2016 start the wrong way.  I didn't update my portfolio in a very long time but since April 2015, the TSX just kept going down. In the real life, the TSX is a hard place to be. It take good nerves. But its how it goes. In some years, the TSX is heaven, in other, hell, and in some other, you can only dream you would had never EVER invested a single penny out there.

(If you ever get tired of the present post, you can always tune to this one).

I do no longer update my portfolio online because in that fantastic month of April 2015, I was on top of my game. I was at my highest value ever registered. I did not update my portfolio because ever since, the value of it went down. I never again exceed that value, but I have a lifetime to recover.

In the meantime, following Christmas, the holidays, and my mother visit in Montreal for the New Year Eve, better watch out, Santa Close is out, but debts are in! Not exactly debt, but the credit card statement in coming and it need to be pad on January 11.

After surfing on a very difficult year on the stock market, trust me, it won't be very difficult for those who are extra serious investors to respect a very tight budget in order to pay debt, or inject fresh hot new money into a portfolio or to pay down an investment margin.

Currently, I am doing all right, I always said that I was feeling ok with a margin usage of 65k - but not everywhere exceeding it. And currently, I am at $64 512.17. And I also always said that I was feeling comfortable with a margin left-over of at least 13k. And my margin left-over is exceeding a bit 13k. Everything is awesome. But I want more money, I need a net worth of at least 200k to be happy. There's no magic trick. With an annual salary of something like 50k, choices need to be made. Never forget, life is a bitch and is hard. But who can you beat if its not yourself?

I came with this budget:

Monthly living budget:
Rent: $635
Internet: $48.50
Cell phone: $40.24
Coffees: $51
Grocery: $320
Entertainment: $76
Total: $1 170.74 x 12: $14 048.88

This is the budget for my basic covering needs - this doe not include: my Cuba trip sometime in February, my numerous visits to my hometown province, gifts, clothes, hair cut, coloration... Life is expensive, but only your personal choices will make of you a loser or a winner, not the market TSX ugliest bitch on earth.

Happy New Year 2016 Investors!

Finally, 2015 is now part of the past forever! 2015 had been very rough. The stock market had been too volatile. There was nothing that could be enjoyed. Until April 2015, everything was super great, but following that... NIGHTMARE. Ohhh my goshhh!

I haven't wrote anything in a little while, I was away on vacation during Christmas week and after that my mom came from New-Brunswick to spend a week in Montreal with me. We have a nice time. As we arrived at Berri-UQAM bus station, we needed to take a taxi to go to my apartment. But there, it was a bit crazy, taxi drivers were fighting to take us. One of them had his hand on my bag and my mother began to freak out as two taxi drivers were fighting over us. I told to the fucker to leave us alone. My mom was disturbed by the incident, but I told her that while facing disturb people like that, you need to scream and fight back. Stuff that she's not use to in our very peaceful, perfect and wonderful New Brunswick province. And to that she replied: what would you had done if he had continue? I told my mom very seriously: I would had punch him in the face! She was surprised by the answer and laugh hard. Ahahah! I always dream to have the opportunity to beat up someone one day, but for a good reason. If someone attack my mother, no discussion, you'll see hell. I have an angelic look, but I am no angel, and I don't have any mercy. I could eventually be an excellent drug dealer, among other.

Now, this being said, this incident speak to itself. In 2016, we'll need to fight in different ways in our life. We'll need to handle the rise cost of food, and probably again in 2016 the volatility of the stock markets. We'll need to spend our money wisely. And more than ever before, it will be very important to save money and pay debt. Its been said that paying down debt is among Canadians top financial resolution for 2016 and its a great thing that it is.  

My non-registered portfolio closed 2015 session at only $121 406.07. To talk seriously, I am getting very tired of the stock market. When I invest, its to shine, not to feel like shit. While investing, I want to feel important and be on top of my game. But lately, nothing good from the market is coming for me so I will need to find love and valuation someplace else.

I am personally getting ready for another difficult year on the market.

Cash will always be king

Today, I find a 5 dollars bill on the ground on my way to work and it make my day! It was all wet because of the rain but never mind, I used the $5 to pay for my morning coffee. Its all I needed to forget about how bad my portfolio is doing right now. I am good to find things on the ground. I once find 2 $20 bills outside a bar, $10, $2. I found several metro pass, credit cards, debit cards, health cards... Finding money on the ground is one of the most exciting things ever at the time it happen.

Today TSX gains made things easier for my very delicate non-registered portfolio - it closed today session at $119 151.15. Its really not easy to be an investor these days. My portfolio look ugly ugly. While being 100% invested, its really hard to face such market volatility. Investing is fun when the stock market is gaining points, but it become less interesting when the market points on the opposite direction. 

In those difficult times, I like to put my focus on other things, among other, on my beauty blog, on my weight loss, on my job???!!!

Yes. Also.

It doesn't feel good loosing a chuck of money on the stock market. You get to feel empty inside and like real shit. While being stuck right in a stock recession, our weakness appears more. My financial weakness is to be 100% invested and not to have more money in my bank account. But an investor remain an investor - its hard to resist the appeal of the stock market. And its even harder when you had experiment the best like the worst of what it had to give.

This year, the TSX stole Christmas

Christmas is coming soon, but no matter what, the TSX is not treating its investors very kindly lately!! My non-registered portfolio closed at a terribly low $118 185.74. But no panic. Its just money.

!!!

I don't know for you, but when I see how deep low the TSX is going right now, its just wanna make me... RETURN MY CHRISTMAS GIFTS RIGHT DOWN TO THE STORE. (I am just kidding, of course). So far, I spent $140 on Christmas gifts. Once completed, I guess I will be around $240, very reasonable. I only have my bus ticket to pay for after that.

We can say that this year, the TSX stole Christmas! This is a nightmare coming to live.

I really wanted to see the year closed on a more positive note, but its seem like 2015 had been the shittiest of the shittiest of all.

And what if Donald Trump was right after all regarding his Muslims ban proposal?

Yesterday, my non-registered portfolio closed at $121 220. Today, my non-registered portfolio closed at $120 595.97. Is it going to continue going lower and lower like that or what??!! This is rough and not fun at all. At 35 years old, I was imaging myself as pretty as I am, but in much much better financial situation! Anyway, when the market drop like this, I know the drill. The best is to ignore what's going on and act like it doesn't matter. 

While we are waiting to "welcome" 25 000 Syrian refugees, our stock market is going all the way down, real Canadians are losing their jobs, Liberal party had cut our TFSA contribution to $5 500, we'll soon going to face deep red deficit from that same government... Should we really welcoming as many refugees? Canada is not strong enough financially speaking to cover such heavy costs. The mayor of Montreal Denis Coderre had hired a special adviser to co-ordinate Montreal's efforts to welcome Syrian  refugees. And to do so, Micheal Dorais, our new refugee coordinator, will earn $1800 per day! Its so scandalous, especially knowing how heavily tax are the homeowners here in Montreal. 

I would be curious to know how much it will cost us, Canadians, to welcome 25 000 Syrian refugees. But this is not a straight cost. Because it will take several years for those refugees to learn the language and find a job. And during that time, it will be our tax money that will feed those Muslims. 

There's a lot of common sense in the message that is trying to deliver Donald Trump these days. While facing the possibility of having to deal again with terrorist attacks, its just really logical to ban everyone who's Muslim from entering the country. Its of a perfect logic. Its unfortunately not possible to tell who are the good Muslims from the bad. And while facing the possibility of a "maybe" a another terrorist attack could happen, well, its the government to play its role and protect the citizens.

After all, look at what had build Muslims around the world. There's no success stories to tell. The Muslim religion itself had grow strong and stronger while facing wars. Muslims have to deal with their heritage. Its not our duty to live and pay for them.

At a time of incertitude, we need to fight for ourselves, not for Muslims that we don't know anything about. Life and the well-being of our country is to precious to take any chances, but Justin Trudeau is truly disconnected and live in a world of dreams.

What we need to remember from Guy Turcotte second trial

It took a second trial, but at the second one, Guy Turcotte received a second degree murder verdict. My wild guess is that if a third trial would had been launched, it would probably caused mental illness to Isabelle Gaston, but Guy Turcotte could had received the sentence he truly deserved: first degree murder for killing his two children. But hey, I am wondering, since Quebec justice is so unsubstantial and incompetent, I am surprise to see that things are going to stop here. Is the show really over now?

In Quebec, the justice system is as sick as the criminals who directly benefit from its lack of intelligence and integrity. While living in Quebec province, outsiders like myself are directly exposed to a reality in which its not good to live. Quebeckers are really sick people. Never put your trust in them. 

Guy Turcotte trials were the mirror of Quebec society of today: selfish, of pure arrogance and miserable. I can read all of the stupidity of Quebec society in the conduct of what had been a second long trial - one wasn't enough, it took a second one. And during that time, other causes cannot find their way to a judge. A man killed his children, and he haven't been punished. And still today, Guy Turcotte did not received the sentence he deserved. In Quebec, justice doesn't exist. Its not possible to have a good life here.

And its exactly the kind of things that define Quebec province. In many ways, I find that Denis Coderre shares a lot in common with Guy Turcotte. Not that Denis Coderre had killed anyone - at least not of what we know of - but I find Montreal mayor has the same deep arrogance as Guy Turcotte. Denis Coderre believe he's capable of everything, and so did Guy Turcotte. He had the power, and used it to defend his own interests.

Education, health and justice system - they're a bunch of stuff that is not doing ok in Quebec. A poorer province like New Brunswick is much more efficient. In New Brunswick, it doesn't take days at the hospital to see a doctor. In New Brunswick, we don't let our children go in schools who are rotten to the core. Fact is, Quebec arrogance had build many disparities over the year and with these disparities come the incapacity of dealing with their own richness.

I thank God everyday for making me a New Brunswicker.

AMEN.

Can the TSX stock market hit on back the 14 000 points by the end of the trading year?

For one day - yesterday - we were back in business! The TSX gains almost 200 point yesterday. Its feeling good, and in result, my non-registered portfolio closed the session at $127 074.61. I am secretly dreaming that the TSX will closed this super shitty trading year on the 14 000 points. But am I dreaming too much?

**If you dislike my writing about personal finance, always feel free to click right on here to try something new**

Oil sectors had left many unemployed. Its truly heartbreaking to read testimonies of Alberta workers who are having a real hard time. The value of houses had decreased in area of Fort McMurray and time will come when banks will suffer from all the monetary loses. Recently, BMO and Scotia Bank announced enormous profits. I guess that helped in yesterday gains.

But sooner or later, the TSX is going to go down hard - one more time. Liberal government is not helping in any way. We are dealing with real issues in Canada. We cannot afford to overspend - but already - Justin Trudeau is hiring TWO nannies to take care of his 3 children. But why is that? Hew wife Sophie Grégoire doesn't currently have no real job, she doesn't have any occupation. Grégoire is a stay-at-home mom. So why does Justin Trudeau is employing two nannies to take care of his family? Its because Sophie Grégoire is a lazy bitch who want to play her first lady role and want all the advantages associated with it, including employing nannies using our tax money. And more than anything else, Sophie Grégoire want to be "a lady of the world". But she's not. When that woman speaks, she sound retarded.

I am not a fan of Justin Trudeau. He's not the man Canada needs but Canadians were not bright enough to see that clearly. We are going to go down in mountains of debt, oil sector will probably remains as it is for a while, banks are going to make less money and... the stock market will go down, again and again and again.

Dror Bar-Natan: this immigrate lied at the Canadian citizenship ceremony and we let him be

How many little bastards like Dror Bar-Natan do we welcome in Canada as new citizens each year? Don't tell me or you'll make me cry.

Dror Bar-Natanwas is born in Israel. If you watch the news just a bit, you might know that Israel is not a country in peace. I don't quite understand this, but apparently, he's a professor at the University of Toronto Department of Mathematics. That kind of give you the very poor level of education giving at the University of Toronto.

Dror Bar-Natanwas is a big fat liar. Soon after stepping out from his Canadian citizenship ceremony, "professor" Dror Bar-Natanwas recant oath to the Queen. This mean that during his Canadian citizenship ceremony, that man declared to be faithful and bear true allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors. That is a rule to become a Canadian citizens. However, Dror Bar-Natanwas wasn't true to his words. Right after getting out of his Canadian citizenship ceremony, Dror Bar-Natanwas disavowed the mandatory Oath of Allegiance to the Queen.

How come we tolerate those kind of things? Take that Dror Bar-Natanwas and put the bastard on the first plan to his so love Israel country - we all dream of living there right? 

The allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors is very important. Canada wouldn't be the country that it is today. I am myself born and raised in fabulous New Brunswick, I wear a classic Acadian family name. My ancestors probably came from France. There's almost no doubt about it, I am a real pure blood Acadian. I was once told by my dad that our  ancestor came form Nova Scotia... So right there,  chances are that I am probably from Acadian roots. 

You may know a bit of Acadian history. In 1755, Acadians started being deported from their land where they had build their home and cultivated the ground. The British took it all.

I didn't live all those atrocities, but I am very sure that our well-being that we have today in Canada directly results from the British heritage. This is why today I have money to invest and that I can make money on the TSX.  

Check out for yourself: Commonwealth countries are all good rich countries. On the other side, look what happen to France colonies - they are all poor. Each year, many immigrates come directly from France - they come here massively and take jobs that don't belong to them here in Canada. They enrich themselves on our back and during that time, some Canadian suffers, like the workers from the oil sectors, for example, or even new "real blood Canadian" young graduates.

We are extremely weak to let immigrates like Dror Bar-Natanwasto make fun of us, to not respect our heritage. Because our heritage is what had made the Canada of today.

Dror Bar-Natanwasto: go back to your lovely in war Israel country and finish in hell!

These days, boring is the usual on the TSX stock market

These days, the TSX could be what we could say "stable". No real gain, no real lost. Just a stock market that is there to annoy investors. Such stock market conditions are really not interesting at this point.  2015 is about to pass over and nothing much will be left of it in my memory.

On this Black Friday, my non-registered portfolio closed the session at $125 720.31. Nothing to be much excited about, but still, I am exceeding the 125k. My margin usage is at $65 844.02. I try to stay on the 65k. So let say that my financial situation is "ok" at this time. the stock market is not giving u the chance to get very enthusiasm and excited. This had become the usual these days. Very BORING.

I went to the Black Friday, but I didn't need anything. And it was raining like crazy and I didn't have an umbrella so I hit home quite quickly. I currently have everything I need to face the winter and I am trying to control my expenses. I bought a new pair of boots last year. I recently bought a new pair of jeans (really needed) a new purse at Aldo (no so needed) and a winter little hat. Those were the Christmas gifts from me-to-me. When a girl has a new purse, its like she has change of skin. Like a sexy snake.

Black Friday makes it the perfect time to buy a winter coat, boats or whatever else - but only if you need it.

 

When you have one winter coat, one pair of boots, one pair of shoes, a few nice tops, a few pair of pants, makeup, a few fake jewelries... Really, a nice girl doesn't need more. And that leave plenty of place for investment, or at least it make things much easier. However, I do spent a bit more than what is post on here - that being really the minimum. Control is the key and if you can control the way you spend your valuable money, you'll become powerful, and very sexy.

Have a nice Saturday.

Syrian refugees shouldn't be welcome in Canada

France, not only because of its recent terrorist attack, know what is like to deal with immigration problems. They have "HLM" where immigrants are jam pack, a lot of them are Muslims. People who live there live in hell. Drugs, prostitution, radicalization, school dropout... Its very sad, but while opening our doors to immigration, we also open the door to those kind of problems which cost a lot of money to deal with.

Immigration problem is one of the reason why France is so economically poor.

Canadian society is not made for Syrian immigrants. First, there's a religion problem. In Syria, they have their little Muslim routine, they pray, etc... But here in Canada, we live our daily live free of any religion. Our society system is not strong enough to welcome refugees because we let people do whatever they want. If a girl want to wear a hijab, she can. And see the results in France.

In France, immigration problems have nothing to do with Paris terrorist attack. The problem is so more complex and bigger than that. When you remove individuals from all they know to put them in a new environment they don't know anything about, don't expect things to go well. Its not ok to take poor refugees, bring them to Canada, force them to learn English and French and expect them to make a living by their own. By doing so, we are condemning Syrian refugees to eternal poverty. 

In the meantime, who is helping the workers who lost their job in the oil sector? What are we doing to help our own citizens? Nothing is being done. But we are willing to spend millions of dollars to welcome poor Syrian refugees who don't practice a decent religion and who don't speak either French or English.

Syrian refugees need help, but its not Canada responsibility to take. It doesn't make any sense to bring those people here. Syrian should reside in Muslim countries. Many of Syrian refugees live in Jordan. They should simply stay there. We could help Jordan to build infrastructures, schools, etc for those refugees, but taking them and bring 25 000 of them in Canada is foolish. Syrian refugees had to give up on their country, do they really have to give up on what is being left of them? I don't think so. Welcoming refugees is certainly good for Justin Trudeau image, but it will create all kind of problems, to Syrian refugees and Canadians people.

We'll have to do like in France, build HLM for Syrian refugees to live in because they don't have enough to pay their rent. And they cannot pay rent because they cannot find work... they cannot find work because they don't speak and don't understand our language... Its a vicious circle and I don't think Justin Trudeau truly understand in what kind of shit he's driving us in. Its very arrogant in a way. Its a decision made without any sensibility and without any respect to us.

Hydro One Limited (H) is giving a nice little punch to the TSX

After being left almost constipated by Montreal flushgate, I was hoping for better days. But after that came Paris terrorist attack. However, the stock market went in the opposite direction and surprise, gains in points.

YES. Today world is a crazy hell.

At now $126 120.14, my non-registered portfolio is in a better posture, but its still behind the usual 135k where I should be. Especially after investing a bit more than 2k in Hydro One Limited (H). I do not regret my investment in Hydro One, it make a great addition to my portfolio. Best thing of all, my investment in Hydro One Limited (H) had gain 2.86% in value. And I have a few stocks like that who are performing very well. Thanks to all of them, my non-registered portfolio is exceeding the 125k value. Its a good step in the right direction, but I need a stronger TSX before I can see the same good results as of April 2015. 

From what I read so far, financially speaking, 2016 should be a better year. I am not an anxious person, but the taught of having my shit going straight to St Laurent river had impacted on my way of living for a few days. And the stock market volatility had an impact on my everyday life. St Laurent River? The moron who is the Montreal mayor Denis Coderre don't give a damn. Reactions haven't been very strong on what was happening. This is so disgusting. We are going to die in hell for letting this happen.

Reality check being, I am very happy not be a Quebecker. I couldn't live with myself if it was the case.

Currently, since the flushgate is over, my only concern of the time is my margin which is at $67 296. Its a bit high for margin usage.

While dealing with a mix of insecurities, saving money is the best you can do. Advice of a Dividend Girl

The stock market is by itself is very strange, like if the world wasn't strange enough by its own. The stock market only enhance everything up. On Friday, Paris suffers from a terrorist attack and on Monday, the TSX was gaining closed to 2%, and in results, my non-registered closed yesterday session at $126 567.19. Today, my non-registered portfolio closed at $126 353. 

From a day to another, the market go up or down... its a real circus out there. No need to rush to invest my money because:

1) I have no ideas in what to invest.

2) Markets are frightening. Each business day, I hold my breath.

3) I need more savings.

With today world being all upside down, one of the most valuable thing to have is savings. A mistake that can be easily done is to think of your investments who are on the stock market as savings. Investments are not savings because investments are out of reach. I would never sell my stock portfolio, no reason what. Knowing that, what would I do if I need money?

I don't know, I only have 1k in my banking account.

This is not a normal situation. I have a non-registered portfolio of $126 353 on the stock market and I barely have no savings at all.

I am such a bad bad girl. We can all agree on that one and single thing at least.

During time of insecurity, focus should be made on savings.

Save, save and save.

My annual dividend income is now at $6 173.34

Even with my latest investment in Hydro One Limited (H), my non-registered portfolio closed Friday session at a low $124 582.79. Normally, in a good stock market position, I probably be on the $135 000 mark right now. Its no surprise, with a TSX as low as 13 075.42 points, no one can really be on top of the game. And this way, part of the great good excitement and magnificent of investing in stocks is being lost. We all invest to make money, but sometimes, it take more time than what it was initially expected. 

I am willing to take the time it will take. In the meantime, with the addition of Hydro One Limited (H), my annual dividend income is at $6 173.34. Hydro One Limited (H) will probably pay a dividend yield between 4 and 4.4 percent. This is a reasonable dividend distribution. Overall, I think that Hydro One make an interesting investment to any portfolio. I like the idea of holding a company that is partly also own by the province of Ontario. That was my main reason behind my turn on.

The second half of 2015 had been very rough for me. For the first time in several months, something "new" catch on my attention. I felt the same good old excitement as before. Each time you invest should be a celebration and its definitively bring on some good vibes. I felt a bit of that withe my investment in Hydro One Limited (H). From I saw inside my non-registered portfolio with TD Waterhouse, Hydro One Limited (H) has a margin loan value of 50% - which is very good.

A good margin loan value doesn't necessarily mean that an investment is of good quality, but its certainly a positive indication. I don't think that TD Waterhouse would had gave a margin loan value of 50% to Hydro One Limited (H) if that company didn't have value at all. See what I mean? TD won't never openly admit it, but margin loan value can certainly use as in indicator of how well a stock is doing.And with my little knowledge, I like to rely on straight indicators like margin loan value.

Canada needs to fight the Islamic State

I learned about the terrorists attack in Paris with a great sadness. Its hard to imagine what actually happen there, in such a beautiful city that I had the chance to visit a few times in my life. Charlie Hebdo attack was less frightening in the sense that it was more understandable. 

Its very unfortunate, but we need to actively fight the Islamic State. If Canada remain just a peacekeeper without taking part in the combats - the Islamic State could one day become reality. And if it happen, we'll be stuck with it for the long run. Canadian military absolutely need to stand up and join the rank of the Kurds to irradiate terrorists. Justin Trudeau position is weak, and not one of a true leader. If we don't do nothing, Islamic State will grow and we could find ourselves in the same position as Syria one day - even if its seem something impossible right now. 

Its not true that such atrocities cannot happen here, especially knowing that 25 000 Syrian refugees will arrive in Canada soon. We could suffer badly from not taking charge now. And welcoming so many refugees is a very bad idea. Those people need to stay in Europe. ONU need to take care of them and build refugee camps. Its a stupid move that those poor people are doing each time they take the road to hit another city. But the worst is to see them pack in small boats, desperately trying to reach another land. Why the international community is watching and letting them do such thing? Of course, I would be doing the same if I were in their position, but what is not understandable, is that Canada is watching without doing nothing. Welcoming refugees won't solve the problem and I don't think we should welcome any of them.

Its again very unfortunate, but among those refugees, there's terrorists and its mostly impossible to detect the good from the bad people. And for that specific reason, ONU need to take charge, build up some camp, or a city somewhere specially made for those refugees. Its the only honest and tangible solution to such dramatic problems. But we cannot take the problems and bring them to Canada.

That is my position regarding the Islamic State and Syrian refugees.

Welcome in my non-registered portfolio Hydro One Limited (H)!

Surprise... This past week, I bough some shares of Hydro One Limited (H) for my non-registered portfolio. This wasn't really plan. The year 2015 is coming to the end and I want it to end in a great way. I didn't invest much in 2015. Overall, 2015 had been a shitty year for the Canadian stock market. 

Following April 2015, everything went wrong. But on April 2015, I was on top of my game, I had $205 871 invested, with a new worth of $139 599. I was on my way for a net worth of $150 000 when the stock market began to show serious signs of extreme volatility. My dream of getting on a $150 000 net worth fly away.

Anyway, I got very excited about Hydro One Limited (H). H had been a market for less than a week, but its exciting because its going to pay between 4 to 4.4 dividend yield distribution. I like what I read so far about Hydro One Limited (H). For a moment, I remember what it was to feel excited about something. 

Yes, Hydro One Limited (H) turn me on.

RRSP investments might be a good thing after all

I call my mother this evening and she had bad news. Its regarding her teeth. My mother family side suffer from a condition, genetic I guess, that slowly attack the health of their teeth as soon they get in their late 50s, 60s. With age, the root of their teeth seriously rotted. Not because they don't brush their teeth, but its a condition that attack their teeth from their inside. My mother had one of her back teeth remove last year. This year, she had a tooth fix, but no matter what, the tooth remain sensible and she feel something when, for instance, she drink her coffee.

And guess what, the poor girl that I am have the same teeth as my mother family side. I can say that because our teeth look alike. We almost have straight teeth, but not exactly because of one left front tooth is higher than the other ones... Its one of my mother family side trademark. So I guess I will be suffering from the same condition when I will hit my fifties but keep reading until I reach that venerable age. My mother doesn't have health insurance, so this is going to cost her a bunch of money.

That was the bad news. Imagine having extra sensible teeth. It must be a daily pain. It seem to me that my RRSP money is going to serve at something after all one day... I prefer teeth problem rather than having earring problems like Gordon Pape.

Otherwise, its seem to be the only default to my beautiful genetic.

Welcome in my TFSA JFT Strategies Fund (JFS.UN)!

Finally, I now hold some JFT Strategies Fund (JFS.UN) units inside my TFSA. It happen early this morning. I am very busy at work these days, so I didn't have time to do the fantastic investment move earlier.

JFT Strategies Fund (JFS.UN) won't bring in any dividend - but it could pay a special dividend like it did in the past. However, I dream of holding JFS.UN inside my TFSA for a very long time now because I wanted to get my hands on some capital gain - free of tax.

My thing is to sell a few units of JFT Strategies Fund (JFS.UN) whenever my investment gain $510 in value. This could happen every 2 years or so if lucky, on a 2k investment.

Following this new investment inside my TFSA, I still have left a contribution room of $18 225. Its a shame, but because of my margin account situation inside my non-registered portfolio, its sometime hard to invest inside a register account.

Lou Schizas review MY stock darling: New Flyer Industries Inc. (NFI)

In his latest column in the Globe and Mail, Lou Schizas reviewed a stock that I hold inside my non-registered portfolio: New Flyer Industries Inc. (NFI). Personally, I had been holding on the NFI since January 2011. The beauty of writing a financial blog is that it help to keep track of absolutely everything. Really everything.

It haven't always been easy to hold on to NFI, but I hold and collect dividend, as well as capital gain. For those of you like me who had been holding to New Flyer Industries Inc. (NFI), NFI is a good investment. The holding absolutely worth it. However, for those who are not invested in NFI and are thinking about jumping it now, I don't know if its a good time. In the sense that NFI currently trade at its highest and bus business is like jet and airplane business - talk about it to Bombardier Inc. - it can be volatile.

Unfortunately these days, the stock market is a volatile place. So its very hard to say invest in this or that. OR don't invest in this...

Gold and silver are definitely a big NO NO - at least from me.

Sign Working Canadians petition to keep the TFSA contribution limit to $10 000

Liberals of Justin Trudeau had won the majority and unfortunately for investors, the Liberal party is looking forward to decrease TFSA annual contribution to $5 500, which is very sad. A $10 000 annual contribution is very perfect. It leave plenty of room for saving. Saving grow tax free and best thing of all, if a back luck happen, you lose your job or you just need money to cover whatever purpose, you can withdraw any amount wanted without facing any penalties.

Is not the case with RRSP and its the main reason why I stop adding money to my RRSP. I need money now. When I will be old and grey, I don't care. I will eat in the garbage if I don't have any money left! No one should ever care about senior days because when youth is all fade away and that you need to face lift just to look presentable, well, I guess that it just not a life. It is certainly not the type of older days I want. Money need to be enjoy and invest now.

Sorry for all the seniors who might be reading. But no worries, plastic surgery DO exist.

On a more serious note.

In order to keep all the privileges associated with the TFSA, especially its generous $10 000 annual contribution, we all need to act and act now mean to do like I did and sign the Working Canadians petition. 

Act now before its too late.

Bombardier Inc. (BBD.B): another Quebec flop

Long time ago, I used to hold some Bombardier Inc. (BBD.B) stocks inside my non-registered portfolio. I used to be quite excited about the CSeries and all of that Bombardier stuff. But I didn't like Bombardier lack of leadership. I mean, when you make announcements, and later on, you cannot even respect your initial engagements... Even if such lack of engagement is not surprising coming from a Quebec business, I was hoping for something better coming from one of my investment choice. Because after all, I am an investor princess and I make great decisions.

I am adventurous. I like to invest my hard earn money, its in my nature, I cannot help it. Anyway, later on, I sell at profit. And I never came back to Bombardier Inc. (BBD.B) ever again.

And now, Quebec government came up with a very bad idea: to help Bombardier Inc. using Quebec taxes. Unfortunately, I live in Quebec, its not by choice. Its not because I like it here. Its strictly and only for monetary reasons and nothing else. However, Quebec want to use my tax money to help a company that only had showed bad leadership moves one after the other and cannot handle it.

When government decided to help x or x company, its always for a good reason. Its mean deep trouble. And you should always stay away from businesses who cannot survive by their own selves. Stay away from trouble.

Couting every dividend pennies: update on my annual dividend earnings

Its not easy to be an investor these days. This past Friday, my non-registered portfolio was about to hit on the 130k mark. At $129 297, I was super close! But what was hot and true yesterday is today no more... Today, my non-registered portfolio closed at $125 247.25. What is that??!!! I feel like screaming, just like Adele: HELLO... Yo which I could add: where had gone my money....

I used to be much more glamorous. I used to be a super investment girl. Remember these old days, not so old? Back on date of April of this year, my non-registered portfolio was was at $137 000 - its highest value ever recorded. I was about to hit on $140 000 when everything collapse. What a bad surprise. I can't wait to see a TSX going back to the 15 000 points. Is it too much to ask?

During volatile times, my portfolio goes up and down. And in those hard time, I am not the best investor. When the market is down, I don't like it. I don't feel it as a great time to invest. I am just in the mood to invest. But without investing, my life get very boring and ordinary. Believe it or not, I have $2 000 available to invest and guess what, its not yet invested!!

I hold JFT Strategies Fund (JFS.UN) in both RRSP and non-registered account. I am thinking of adding some more of those gold units one more time in my portfolio, this time in my TFSA. For any investment portfolio, JFT Strategies Fund (JFS.UN) is bullet proof against the stock market volatility. The fact that the stock market goes up and down like crazy barely have any effects on the JFT Strategies Fund (JFS.UN). The capital gain on JFS.UN had been super great. Personally, what I like to do with the JFT Strategies Fund (JFS.UN) is to watch up it gain $510 in capital gain and when it does, girl do her thing, she sell and enjoy the free cash.

I always knew I was going to make my bucks on the back of Jean-François Tardif. HELLO SUPER CASH. In the immediate, my investment in JFS.UN won't bring anything in term of dividend, but I do remember one time when the fund had proceed with a special dividend distribution. When everything collapse around you, JFS.UN just keep going.

Recently, a bad surprise was the lost of Sprott Strategic Fixed Income Fund (SFI.UN) inside my TFSA. Following what, I was curious to see at how much I am at in term of dividend earnings. After calculations, my annual dividend income is of $6 089.34, the equivalent of $507.50 per month. I wasn't earning much from Sprott Strategic Fixed Income Fund (SFI.UN), but still, dividend money being so hard to earn, every penny counts. I was earning $23.50 per year from my old SFI.UN.

I would be very happy to reach a dividend annual income of $12 000. And that make me regret all of the money I had invested in my RRSP. If I could go back in times, I wouldn't invested anything inside my RRSP.

October 21, 2015: The Future start HERE

I adore the Back to the Future movies. I don't get tired of it. And today, we are in the future!

I just would like to be a little richer. Otherwise, future is almost perfect.

Sprott Strategic Fixed Income Fund (SFI.UN) is terminated. Done. Over

During my vacations in October, something happen to Sprott Strategic Fixed Income Fund (SFI.UN). SFI.UN is no longer active on the TSX. They are such a bunch of losers at Sprott Asset Management LP that they decided to terminate the Sprott Strategic Fixed Income Fund (SFI.UN). I had been holding SFI.UN in my non-registered portfolio 2011. Do no ever invest in any of Sprott Asset Management LP investment products because if you do, you'll only lose money. I also lost a great deal of money by investing in Sprott Canadian Equity Fund.

Make sexy proud and DO NOT INVEST in any of Sprott Asset Management LP products. They are only "products" and don't conduct to any richness at all. Please learn from my mistakes and be f aware.

Since Sprott Strategic Fixed Income Fund (SFI.UN) no longer trade, the losers at Sprott Asset Management decided to sell of shares and provide cash tot heir investors. The Sprott Strategic Fixed Income Fund (SFI.UN) is now behind me. And the cash I received from SFI.UN left me with more than $600 cash inside my TFSA. I currently have a $1 400 available on cash, so a 2k+ will go for investment.

The stock market is very volatile right now. Like we are like so f! Options are limited. Everyone agree with this point: 2-15 is the year to maximize your TFSA contribution because after that, starting 2016, the TFSA annual contribution would drop from $10 000 to $5 500. I currently have $19 625 left available to invest inside my TFSA. Soon, $1 400 will get transfer my TFSA. Following what, I will have $18 225 left... Its still a lot of money, where am I going to take the money from? Well, this bitch is full of resources, staring with a 5k at 3.5%. Great, but I will still have $13 225 left... 

But hey, read this article, and tell me after if you are still interest in the TFSA.

SOooooo confusing! Like always. LOL.

On another note, my non-registered portfolio is getting better. at $128 306.30. I am looking forward to hit on the $130 000.

Bye bye Stephen Harper! And hello... Justin Trudeau?!?!!

I went to vote this evening and I discovered something - I am no longer in Laurier-Sainte-Marie, so I didn't have the opportunity to vote for Hélène Laverdière. However, I vote for Tom Muclair. And he win in Outremont, with the help of my vote.

Middle class across the country massively vote for Justin Trudeau. anything would be better than Stephen Harper, but I don't like Justin Trudeau. Now that Trudeau had been elected, everyone will be waiting for their paycheck. He's not disciplines and strong enough. When he talked, he's always all over the place and he don't really know what he's doing. His counselors are putting words into his mouths. He learned the words, but what will happen now that my worst fear had become Prime Minister of Canada? We didn't need a Quebecker as Prime Minister of this country, its sooo UGLY. 

I never been a fan of Justin Trudeau. The guy is a dumb gummy.

Like expected, the sweet Hélène Laverdière kick off Gilles Duceppe out to the woods! I like that bitch. Her only fault is to be what she never asked to be - a Quebecker.

LOL.

Derek Foster is voting for Stephen Harper. Really?

Tomorrow is a big day, its elections day in Canada. And since I am located in Laurier-Sainte-Marie district, I will be voting for Hélène Laverdière of the NDP - New Democratic Party. For the second time in history, I am pretty sure that Gilles Duceppe will be defeat, one more time baby. Go go go Hélène Laverdière! Yeah! This is exciting. I adore Hélène Laverdière.

On another note, someone that I really like decide to vote... for Stephen Harper! Nooo! This is a real nightmare. My Derek Foster is voting for Stephen Harper! NOOOO! I couldn't believe. Its in his latest newsletter that Derek Foster announced that he was going to vote for Harper. His reasons for voting for Stephen Harper appear to be strictly for monetary reasons. And a vote should never be only about money. How in the world can anyone ever vote for Stephen Harper?

The only reason why Derek Foster is voting for Stephen Harper is that we want to see the annual $10 000 contribution to the TFSA being maintain. But that's not a good reason to vote for Stephen Harper. I haven't been able so far to maximize my own TFSA contribution. $10 000 is a lot of money. $5 500 is a more realistic amount for the middle class.

Stephen Harper is not the Prime Minister that Canada need. We need someone more like Tom Muclair who is showing more positiveness and who actually care for Canadians. Stephen Harper haven't been there for Omar Khadr. Stephan Harper closed our door to Syrian immigrates. And there's so many other things that went wrong with Harper. Its almost like we a ghost of our own self. We are not a strong and brave country anymore. Like Derek Foster, the Canadian mass is impotent.

You can vote to whatever candidate you want but at least make me proud and go sign online the petition to free Omar Khadr.