I did some overtime today. I was completed exhausted, until I went out for a coffee late in the evening. My goal is to do 6 hours extra tomorrow AND on Friday… I really need the money. I would very much like to earn as much as I can on the next paycheck. Really crazy put the overtime is full-open, I finally ask. So I did 4 extra hours today, plan to do 6 hours extra tomorrow on top of my regular shift lol… I just have a few hundreds dollars left to pay on my TD Visa and CIBC Visa so I really want to pay it all. And after, no more expenses. I need to do my lunch and drink my own tea instead of drinking coffee. But I have to say, I am not suffering too much from my expenses. And this night is pay night… just received a 1 033$ paycheck. Which I was really in need of. I might have enough to cover the totality of my TD Visa actually. But after (counting after the rent of November…) I will have left 73$... I prefer to only have left 73$ in my banking account and pay out my debts. I am so close of being out of credit card debt. I really need to focus and control my expenses. And for me it’s me cut on junk. I might fit better in my jeans after that… To my surprise, my investment portfolio – the stocks and units one – is doing just fine. I am just praying to see Sprott Canadian Equity to reach the 35$ per unit. I want to see this now 50 000$ reach in investment to continue to grow until I start loosing weight.
Thursday, October 22, 2009
Tuesday, October 20, 2009
My 6 units of Pengrowth Energy are now in!
Fun PGF.UN dividend
This is really funny. I had sold my units of PGF.UN previously this month. I had than sold all of my units, because PGF.UN had cut their dividend distribution and is wasn’t fitting well in our dividend goal. I am happy with the changes in my investment portfolio. Just yesterday, I had received 65$ in dividend from PGF.UN. But the dividend came in form of units…. So I now have 6 units of PGF.UN in my portfolio… And I will earn a few cents from their very tow low paying dividend lol. That was for the funny part. Stuck with PGF.UN forever… But PGF.UN is not a bad investment. It’s just the dividend cut that is annoying.
Work and overtime
As for the work part, I will try to arrive early (12PM) at my job today. Those are my only 2 weeks left. There was a problem with the system yesterday, so I guess today we might receive a lot of calls and a lot of calls = overtime. My throat is bad today. It may be time for a scarf and gloves…
Investment: Timminco going better
Timminco (TIM) is gaining is value! This is the first time since a very long time that the value of Timminco gains in price… Timminco had increased their production and had called back their employees for work. Very good news! Since we still hold Timminco, we hope for the best and any increase in value will be welcome coming from our part. Also, Sprott Canadian Equity Fund is going better too. Currently, our stocks and units portfolio is at 27 142.06$! Which is an increase of 623.06$! Even better than yesterday. We really deserve this! Hope things will continue this way.
Is it the beginning of a new financial crisis?
I read somewhere that the increase of the price of gold and the too quick increase of the stock market might be sign of another crisis… But didn’t I get enough yet? Lol… So is it time to sell my valuable investments? NO… We will deal what is next to come, with anxiety and stress………. But investing is that much stress. Sure it’s awful to see the TSX loosing points, but with all the money the governments across the world put into companies, into the stock market, I remain confident. I taught we were out of it now. And my way to see it is that the crisis had affected the richest among us. Which mean they had valuables left, like cars, boats, etc… And that once sold its providing money… So they cannot be left without any money to spend, since they continue to live……. Isn’t a crazy taught? But my taught was that because the crisis had affected a country like the US, people might had savings, if not goods they can live on while being under their employment benefits for a short period of time. Things might not come like it was before in less than 2 or 3 years, but still. 2 or 3 years is not that long. It’s not the end of the world. It’s the beginning of a new world. Hope institutions will look deeper into things and make sure it will never happen again.
Other than that, exciting times for me as I continue to wait for news from my new job but I guess it should be ok because after doing all the papers and opening what I had to open well, if I am not definitely hired… It just the waiting delay is annoying. But a security check is just a security check, right? Like I don’t want to spend my weekend at studying over something that might not happen.
This is really funny. I had sold my units of PGF.UN previously this month. I had than sold all of my units, because PGF.UN had cut their dividend distribution and is wasn’t fitting well in our dividend goal. I am happy with the changes in my investment portfolio. Just yesterday, I had received 65$ in dividend from PGF.UN. But the dividend came in form of units…. So I now have 6 units of PGF.UN in my portfolio… And I will earn a few cents from their very tow low paying dividend lol. That was for the funny part. Stuck with PGF.UN forever… But PGF.UN is not a bad investment. It’s just the dividend cut that is annoying.
Work and overtime
As for the work part, I will try to arrive early (12PM) at my job today. Those are my only 2 weeks left. There was a problem with the system yesterday, so I guess today we might receive a lot of calls and a lot of calls = overtime. My throat is bad today. It may be time for a scarf and gloves…
Investment: Timminco going better
Timminco (TIM) is gaining is value! This is the first time since a very long time that the value of Timminco gains in price… Timminco had increased their production and had called back their employees for work. Very good news! Since we still hold Timminco, we hope for the best and any increase in value will be welcome coming from our part. Also, Sprott Canadian Equity Fund is going better too. Currently, our stocks and units portfolio is at 27 142.06$! Which is an increase of 623.06$! Even better than yesterday. We really deserve this! Hope things will continue this way.
Is it the beginning of a new financial crisis?
I read somewhere that the increase of the price of gold and the too quick increase of the stock market might be sign of another crisis… But didn’t I get enough yet? Lol… So is it time to sell my valuable investments? NO… We will deal what is next to come, with anxiety and stress………. But investing is that much stress. Sure it’s awful to see the TSX loosing points, but with all the money the governments across the world put into companies, into the stock market, I remain confident. I taught we were out of it now. And my way to see it is that the crisis had affected the richest among us. Which mean they had valuables left, like cars, boats, etc… And that once sold its providing money… So they cannot be left without any money to spend, since they continue to live……. Isn’t a crazy taught? But my taught was that because the crisis had affected a country like the US, people might had savings, if not goods they can live on while being under their employment benefits for a short period of time. Things might not come like it was before in less than 2 or 3 years, but still. 2 or 3 years is not that long. It’s not the end of the world. It’s the beginning of a new world. Hope institutions will look deeper into things and make sure it will never happen again.
Other than that, exciting times for me as I continue to wait for news from my new job but I guess it should be ok because after doing all the papers and opening what I had to open well, if I am not definitely hired… It just the waiting delay is annoying. But a security check is just a security check, right? Like I don’t want to spend my weekend at studying over something that might not happen.
Monday, October 19, 2009
I "may" got the job
I went to the interview. I had trouble to talk lol. I am always very bad in interview. Not that bad, but still. I am always so nervous! To my surprise, I am hired! I just have to pass the security and reference check. Which I should pass. I guess the most important part is the security check. As for the reference, I just hope it will go fine. I am quite happy, I guess I will study the bank Web site while waiting for a response. After, if I have a positive answer, it will be a lot easier for me.
Currently, my stocks and units portfolio is up to 26 951$, an increase of 432$. I am not even making that money in one day. I just hope the day end this way! Or even higher. I guess I am around 53 000$ if not more at this time. If I get hired at the bank, things are going to be a lot more complicated on my blog. The goal of my blog was to expose every investment I had on the first place. But now, blogging about the whole thing will be difficult. Because I don’t wan to get undercover. So I might simple expose the investment, without exposing the name. See the bank offer a stocks program. I don’t know how I am going to be able go keep writing about investment while working for a bank. Maybe I shouldn’t tell it here on my blog at the first place… But it’s too late now…lol... I am getting a free banking account... but I didn't have the courage to ask if we were getting a free brokerage account... like I don't want to ask too much and appear weird. But couldn't be so nice, no commission fee?!!!!!
Because purchasing stocks and investing in the TSX is not for me - especially for someone who's middle class see - but I do it anyway. So I didn't ask, and I didn't told them yet either that I want to manage one their mutual fund yet.. because you know, I was only joking while I wrote that.. previously... lol :)))) So I guess, just blogging in general terms without naming name or other stuff related to the bank won't get me into trouble. Or maybe am I already in trouble?
Currently, my stocks and units portfolio is up to 26 951$, an increase of 432$. I am not even making that money in one day. I just hope the day end this way! Or even higher. I guess I am around 53 000$ if not more at this time. If I get hired at the bank, things are going to be a lot more complicated on my blog. The goal of my blog was to expose every investment I had on the first place. But now, blogging about the whole thing will be difficult. Because I don’t wan to get undercover. So I might simple expose the investment, without exposing the name. See the bank offer a stocks program. I don’t know how I am going to be able go keep writing about investment while working for a bank. Maybe I shouldn’t tell it here on my blog at the first place… But it’s too late now…lol... I am getting a free banking account... but I didn't have the courage to ask if we were getting a free brokerage account... like I don't want to ask too much and appear weird. But couldn't be so nice, no commission fee?!!!!!
Because purchasing stocks and investing in the TSX is not for me - especially for someone who's middle class see - but I do it anyway. So I didn't ask, and I didn't told them yet either that I want to manage one their mutual fund yet.. because you know, I was only joking while I wrote that.. previously... lol :)))) So I guess, just blogging in general terms without naming name or other stuff related to the bank won't get me into trouble. Or maybe am I already in trouble?
:))))))))
Sunday, October 18, 2009
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. :))))
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. :))))
Thursday, October 15, 2009
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 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.
Wednesday, October 14, 2009
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.
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.
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