Dividend, overtime and job interview

Other dividend earnings

Earlier this week, I earn 27.08$ from Yellow Pages Income Fund (YLO.UN) and 13.13$ from Pembina Pipeline Income Fund (PIF.UN). I was very happy to finally receive my dividend. And I can’t simply wait for next month. It’s going to be just even better. For the month of October, I am only missing 2 dividend incomes. I should received sometimes next week or so 65$ from PGF.UN (that I now had sold) and BNS (50.47$).

Job interview

I have my final interview tomorrow. I hope to get the job. The weekend went pretty smoothly. I went to work yesterday and I took it off today. I did some cleaning (amazing my apartment is super clean lol), I later on went downtown for a little while and buy a pair of earrings. It was beautiful in Montreal today, the sun was out, and the weather was perfect. A nice autumn day, just the way I like them.

With the overtime I did this weekend, I hope to get around 900$ paycheck. I would had need 1 100$, but I didn’t do enough extra hours. But I will catch up on next pay. For the job I am going to an interview tomorrow, the training start in November. Its giving me some time ahead to do some overtime.

Is there a way out?

If I get the job I am going to for an interview tomorrow, I hope to do the training, which is suppose to be during daytime and keep my evening job. I would like to work at both jobs for the upcoming months… until I hit the 150 000$ in investments. And looking things this way, I am not too far away from my goal. I am currently, let say roughly at 55 000$. I am currently only missing 97 000$. If I am lucky enough to work at both job, I could probably invest close to 30 000$ per year in my investment portfolio. Which mean that in about 3 years, I could have 150 000$ and even more I hope, in assets. I am willing to give this plan a try.

At this time, I would like to reach the 60 000$ in assets by the end of the year. This could work if the TSX remain stable until that time and that I get hired at the job I am going for an interview tomorrow… It’s quite stressful, job interview always stress me. It’s about getting my social insurance number and stuff, giving my papers for diploma, present 2 pieces of ID. I guess it’s just for a background check… And everything should be fine since I am a very rich-lucky-girl. :))))

Dividend week for Just Energy Income Fund

I just received 21.08$ on today for the dividend of September for Just Energy Income Fund (JE.UN). I earn one extra unit. I am now at 405 units of Just Energy Income Fund.

My investment portfolio of stocks and units is currently at 26 628$, up of 109$. My Sprott Canadian Equity Fund if also up t more than 31$ per unit, for the second day of the row. I guess I might be around 53 500$ right now or somewhere close. Anyway, I won’t recalculate the whole thing again, it’s require way too much of work lol. I am just glad everything is going well. At this point, I need more cash to extend my investment portfolio and I need the TSX to gain more points. The combination of both (salary and TSX gain) could make my gin thousands of dollars more. I could easily reach the 65 000$ without too much work. 50 000$ is a fun goal, but wouldn’t be fun if I could reach the 100 000$? It’s not an impossible goal.

As for now, I am happy with the gain made so far. My Great-West Life portfolio is now up to 1 678.07$. 100$ over here, 100$ over there… at the end, all those little gain can easily make 1 000$ in gain. At this point, My first 50 000$ is taking form and all this worth actually something. My motivation is not to come and say: hey, look at how much I worth! I like my blog because it’s offer me the possibility to explain that it’s possible to accumulate mass of money, even at a middle class salary. And it’s also possible to make money from money (that will be the dividend). Not that I like Derek Foster that much that I want to do just like him lol, but what I like, is the possibility, the possibility to make a living from my investment. And what come next for me as a step is now: will I continue, does it worth it to invest all my savings on the stock market? Sometimes, I told myself wow, 50 000$ is a lot of money, what am I doing here, investing in stocks and units? But that impression never last for long. I always told myself that if I would loose too much, I will stop. Currently, from my stocks and units portfolio, I had lost a bit more than 8 000$. So far, in my broker account, I had invested just a bit more than 40 000$. From that money, I lost 8 000$. I lost the money in Timminco, Sprott (SII) and in Sprott Canadian Equity mutual fund. Also with Blue Note Mining. Even while facing money lost, am still not at the point where I am not going to invest anymore. I believe I will be able to recover from those loses pretty easily. I still believe in my chance and its look to me like the stock market was made just for me, so I can win big at this game.

For my next investment, I want BRC.UN, Enbridge, BA.UN among other. I don’t think I can lose with those picks. As long as I remain with dividend payer stocks and units and forget about penny stocks, I won’t loose money. As long my portfolio keep growing in all kind of crazy directions, I won’t loose, I will gain. And reaching that 50 000$ in investment had made myself felt that I cannot remove myself from the market because I have too much too earn and gain from it. That’s exactly how I feel at this point.

My job interview of today went fine

I went to my job interview today. I was asked different questions regarding job in a call center. They were mostly general questions, situation questions kind of like. The interview went ok and I was told I will receive a call by the end of the week for a second interview. And to my surprise, I received a call when I was at my evening job. I call right back away. There was a spot available tomorrow, but it was too close to my evening shift, so instead, I took the interview for Monday morning.

It gives me a bit of time ahead just to prepare myself a bit more for an interview. Not that I wasn’t prepare for today interview. But with the fatigue, stress, etc., the interview of today wasn’t spectacular. My problem is I am feeling very tired at this time, even if I sleep well. Maybe it’s the weather change that is affective me. Until Monday, I have a lot to do as I want to do some overtime and catch up with different things I need to get done. If, by any chance, I got the job, I will be one of the happiest girls of the world. Working at 2 jobs during weekdays will be tough, but if I do not work 2 days straight, I think I will be able to handle it. The training will be during daytime, and during the evening, I will be working at my current job… And money will finally arrive. It’s been quite a long time now that I had been living on one salary only and I miss the money.

I cannot wait to have my bank account and other stuff with the bank I will be working for. I am just hoping for a discount for a broker account too. Just very curious about the free bank stuff employees can get. I never heard of it before. Maybe not free, but at a discount price. That part is pretty intriguing. Going for bed for now, exhausted by my day and I didn’t do that much at all.

Free Saturday and District 9

Today was a funny day. I wake up late. After, I clean my place. I might had pass around 3 hours cleaning my one and a half apartment. I just now have some laundry left to do. I am glad I am done with the cleaning. I hate to clean my place, but I « try » o do it at least one every 2 weeks. The benefit of living in a tiny 1 ½ is that it’s doesn’t require that much cleaning and that’s perfect for me lol. A 2 and half might be better for me. A one and half apartment is quite small and I am missing some storage room. I hope to one day move and get a 2 and half apartment somewhere on Montreal Island, close to a metro. So, after the cleaning, I go out for lunch and went downtown. Later on I went to the theatre and saw that strange movie, call District 9. Certainly didn’t worth the 12$ I pay for, but it was kind of ok. It’s a lost colder outside now. It’s just sad that summer went so quickly.

Tomorrow Sunday I have overtime available, I will try to go to work in the morning. And after, I will try to prepare myself for the interview. Always so much to do. I would like to have the job even if the pay is low. Advantage (including health insurance) are available on the first day we start working. So for sure, I will take my time to go to the dentist. At my current job, we have social bonus, but I never sign up for them… Its just one of those things I never took the time to do. For now, what I really wish for is that the interview went well and that I will be able to work at those 2 jobs at the same time. I was told already that the training is during the daytime. Wouldn’t be nice if I could the training there during daytime and work my regular night shift just like usual? That could mean a lot of cash in order to purchase BRC.UN and maybe even Enbridge… Finally! I just cannot wait to add something new to my investment portfolio.

And I cannot wait for Tuesday to come.

I am now at 52 833.37$

We are already Friday! I didn’t perform anything good today, but at least, I present myself to work lol. I wanted to wake up early to do everything I had planned to do, but I didn’t do that much. I want to pay my RBC credit card. In date of today, I no longer have credit card debt. At least major one. I expect to pay everything by the end of October.

I was planning to do some overtime tomorrow Saturday, but seem like there’s none, and its better that way. I have way too much to do, a day off won’t even be enough. And since I am not working tomorrow, I calculate my overall earnings. With the latest changes that happen in my investment portfolio lately, I couldn’t wait to see how much my portfolio worth. I am currently at 52 833.37$, which is not bad at all. Almost at the 55 000$, even without Livingston International Income Fund (LIV.UN) and Pengrowth Energy Trust (PGF.UN) in my portfolio.

Going to bed for now.

My investment portfolio in date of September 30, 2009

Savings:
2.69$ (ING Direct)

Non RRSP Investments:
Stocks & Units portfolio
Sprott Inc. (SII): 1 937$
Timminco (TIM): 270$
Blue Note Mining (BN): 66$
Bank of Nova Scotia (BNS): 5 036$
Hanwei Energy Services (HE): 315$
Methanex Corporation (MX): 1 957$
Fortis (FTS): 2 570$
Pengrowth Energy Trust (PGF.UN): 7 157$
Livingston International Income Fund (LIV.UN): 674$
Pembina Pipeline Income Fund (PIF.UN): 1 551$
Just Energy Income Fund (JE.UN): 2 811$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 217$
TOTAL: 27 020$

Mutual funds (outside RRSP)
Sprott Canadian Equity Fund: 4 385.87$

Tax-free savings account
RBC O'Shaughnessy Canadian Equity Fund: 2 446.65$
Creststreet Alternative Energy Fund: 1 186$
TOTAL: 3 632.65$

RRSP:
CIBC Dividend Fund: 478.48$
CIBC Emerging Markets Index Fund: 459.32$
CIBC Monthly Income Fund: 957.44$

Energy and Base Metals Term Savings (Indexed term savings): 503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$

GIC National Bank: 1 098.49$
GIC Finance Plus: 1 513.97$
GIC Plus: 500$

TD Canadian Bond: 110.95$
TD Monthly Income: 99$
TD Emerging Markets: 78.70$
TD Energy: 79.41$
TD Precious Metals: 92$
TD Latin American Growth: 88.71$
TD Entertainment & Communications: 98.83$
TD Dividend Growth: 188.30$
TD U.S. Mid-Cap Growth: 94.29$

Maritime Life International Equity Fund (Templeton): 675.57$
Manulife Simplicity Growth Portfolio: 831.89$
Maritime Life CI Harbour Seg Fund: 984.23$
Maritime Life Fidelity True North Seg Fund: 931.83$
Maritime Life Trimark Europlus Seg Fund: 609.50$

Great West - Various: 1 577.81$

RBC Canadian Dividend Fund: 484.07$
RBC U.S. Mid-Cap Equity Fund C$: 1 707.96$
RBC Global Resources Fund: 753.68$
RBC O'Shaughnessy International Equity Fund: 657.16$
RBC O'Shaughnessy All-Canadian Equity Fund: 893.47$
GIC Canadian Market: 1 000$
TOTAL: 18 050.58$

Social Capital at Desjardins Membership share for 3 accounts:
40$

Savings + Stocks, units, mutual funds + Tax-free savings account + RRSP + Online Income (35.23$):
53 167.02$
[In date of September 30, 2009]