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Sunday, January 17, 2010

Quebeckers have no work ethic

This week had been quite awful at my new job. I kind of received a first and last notice the kind of those who mean you-have-to-improve-or-you-are-fired. My direct supervisor is one of those poor bitch. She doesn’t give a damn about the good feedback I had received so far from customers. It’s seem like it doesn’t mean anything to her. She wants more sales, shorter calls. I done a very bad mistake. I guess its all start from there. At this point, I shouldn’t do mistakes and my calls are supposed to be shorters and I have to be more quick. But the worst happen when she asked questions regarding my background, the job I had been into before, why I had left them, what happen and so on. She doesn’t have the right to ask me such questions. I had been hired, I went to 2 interviews and I had been asked some questions, I had provided some references. My criminal record had been checked also. I am clean. I am an honest person, hard worker. The questions she asked about my employers and so on were not appropriate and I am going to report this on Monday morning. Like you can see, I have a lot to do. But I want to act now and do something about it now. And I want to report this situation to their highest authorithy.

I had been told by my supervisor that the situation was going on since the integration period. Like wow! How come no one ever talk to me about it? And than she goes and said: No one told you? Like dahhhh NO. Whatever! So now am I like on a last minute thing to fix myself up lol. But we cannot fix something that’s already broken, right? lol... So just get out of my way. I am an investor after all, I don’t want to spend too much of my precious time around some dumb ass. Like come on! I don’t want to spend my entire life here in Quebec province anyway. Could it be a good time to move? I don’t know. I will see more on Monday. I guess my supervisor would very much like it if I would just quite the job. But I won’t, just to piss her off. And if it happens I got fired, it’s going to be pretty messy. You want to mess up with me, I am going to mess up with you – I am going to be a bit more than just a pain in the ass lol. I am going to be your worst nightmare… Pretty funny isn’t?

At that bank job, they really do have their little favorites. Like one co-worker of mine – we had started at the same time – was able to change her work schedule into a day time shift! I never had been able to get the shift I wanted since the beginning. AND I AM AN INVESTOR.

I won’t accept anything like this coming from my supervisor. But knowing she’s a Quebecker, should I be surprise? For her, I am really slow, and she told me the following: I had 20 years experience in call center; it’s hard to imagine that you had been working in a call center before and so on. I had been doing sales, but not as much as she wants. I try to handle calls quickly, but sometimes, its just doesn’t make it. She told me she was disappointed, that I wasn’t going to be successful and so on. And she finally end the conversation by saying that this upcoming week was going to be one where she will see if I continue or not. This is how Quebeckers are: stupid. Their behavior reflects their intelligence: very poor. So I am going to report the situation to the human resources (who could be Quebeckers too lol). And my supervisor also told me I had to change my behavior, but I have a good behavior at work. So now what? I am going to deal with those poor Quebeckers.

It’s like my supervisor want to make me loose my self-esteem. I guess she wanted to make me cry. But I didn’t cry. I find her way very mean. And I am going to fight back.

I might be one of the greatest small investor out there and this is how me, Sunny from My first 50 000$ I am being treated by Quebeckers. Please take note. Anyhow, my investment portfolio is doing very well. Even if I loose my job at the bank, I will be able to survive on one job and I may cash out the dividend I am currently earning instead of having them reinvested in the DRIP. I will be able to make it after all. I might stand on bread and peanut butter for a little while. This is just what I need: dieting. I need to loose a good 20 pounds. Voila… seem like I am going to loose that baby fat of mine after all lol.

I am having a hard time, but I keep thinking about people in Haiti. I am very devastated and sad to see what happen in Haiti. We see that beautiful pure blue sea, but all around, the country is devastated. Horrible. May we just pray from them.

Saturday, January 16, 2010

My investment portfolio in date of January 9, 2010

Savings for my next investment:
2.69$ (ING Direct)
1 007$ (savings in regular banking accounts)
TOTAL: 1 009.69$

Non RRSP Investments:
Stocks & Units investment portfolio
Sprott Inc. (SII): 2 404$
Timminco (TIM): 276$
Blue Note Mining (BNT): 44$
Bank of Nova Scotia (BNS): 4 924$
Hanwei Energy Services (HE): 228$
Methanex Corporation (MX): 2 272$
Fortis (FTS): 2 984$
Pembina Pipeline Income Fund (PIF.UN): 7 147$
Just Energy Income Fund (JE.UN): 5 791$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 297$
Bell Aliant Regional Communications Income Fund
(BA.UN):
2 792$
Pengrowth Energy Trust (PGF.UN): 64$
Enbridge Income Fund (ENF.UN): 3 885$
Corby Distilleries Limited (CDL.A): 1 520$
TOTAL: 37 088$

Mutual funds (outside RRSP)
Sprott Canadian Equity Fund: 5 270$

Tax-free savings account
RBC O'Shaughnessy Canadian Equity Fund:
2 632.43$
Creststreet Alternative Energy Fund: 1 229$
TOTAL: 3 861.43$

RRSP:
CIBC Dividend Growth Fund: 490.43$
CIBC Emerging Markets Index Fund: 458.76$
CIBC Monthly Income Fund: 965.79$

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

GIC National Bank: 1 154.83$
GIC Finance Plus: 1 513.97$
GIC Plus: 500$

TD Canadian Bond: 110.29$
TD Monthly Income: 98.49$
TD Emerging Markets: 83.04$
TD Energy: 85.54$
TD Precious Metals: 110.36$
TD Latin American Growth: 98.89$
TD Entertainment & Communications: 103.41$
TD Dividend Growth: 189.96$
TD U.S. Mid-Cap Growth: 97.11$

Maritime Life International Equity Fund (Templeton):
673.73$
Manulife Simplicity Growth Portfolio: 862.51$
Maritime Life CI Harbour Seg Fund: 1 028.49$
Maritime Life Fidelity True North Seg Fund: 971.49$
Maritime Life Trimark Europlus Seg Fund: 600.70$

Great West - Various: 1 577.81$

RBC Canadian Dividend Fund: 491.57$
RBC U.S. Mid-Cap Equity Fund C$: 1 792.13$
RBC Global Resources Fund: 898.92$
RBC O'Shaughnessy International Equity Fund:
624.71$
RBC O'Shaughnessy All-Canadian Equity
Fund:
990.35$
GIC Canadian Market: 1 000$

TOTAL: 18 578.80$

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

Savings + Stocks, units, mutual funds + Tax-free savings account + RRSP + Online Income (49.11$):
65 897.03$
[In date of January 9, 2010]

Thursday, January 14, 2010

Welcome Davis, I now hold 100 units of Davis + Henderson Income Fund (DHF.UN)

I now hold 100 units of Davis + Henderson Income Fund (DHF.UN). I am quite happy with this new comer in my investment portfolio. I purchase the 100 units at a fair price of 16.88$ per unit. The value will probably reach 17$ per unit really soon. So time to invest some Davis + Henderson Income Fund (DHF.UN). At 1.836$ in annual dividend (per unit!!), the dividend of Davis + Henderson Income Fund (DHF.UN) is quite juicy if you see what I am mean. Davis + Henderson definitevely deserve to be from my portfolio.
I am now at 39026.98$ for my stocks + units investment portfolio lol..... everything nice under the sun. $$$.
Can't wait this weekend to calculate my overall value. Got to run for work now.

Wednesday, January 13, 2010

Finally, my Just Energy Income Fund (JE.UN) dividend are in!

With the DRIP, I now own 3 new units of Just Energy Income Fund (JE.UN). I now own 414 units of Just Energy Income Fund (JE.UN). this mean that I should received 82.80$ from the Just Energy Income Fund special dividend! Yeah!

I am very happy that the TSX had lost some points since the time I gain an awesome 340$ and something. Because tomorrow, we are investing in 100 units of Davis + Henderson Income Fund (DHF.UN) and I need the lowest price on a short period... The value of each unit is under 17$ right now - very great, perfect price, perfect opportunity for our investment portfolio.

Monday, January 11, 2010

My investment portfolio gain 359.73$ in just a few days

Ok, this is quite exciting times! Compare to January 9, 2010, my stocks and units portfolio alone had increase in value. It had increase of 359.73$! My stocks and units portfolio is currently at :
37 447.73$! I am quite happy with those increase and I am just hoping it will continue this way as well for the upcoming weeks, no matter what Eric Sprott had to say about the wrong shape of the economy!

Sunday, January 10, 2010

Sticking to the plan until the end: the 100 000$ investment goal in review

In date of January 9, its official, I own 65 897.03$ in valuable assets. Kind of cool, but no early retirement plan still on the go. Early retirement is definitely appealing, but until I can get there, if only I can, we have to go through multiple stages. We reach the 50 000$ this summer. And on date of January 9, 2010, we have exceed 65 000$. And we are not done! Still a lot is going on, still project on the go and new adventures coming on lol.

One of those project is to reach 100 000$ in assets. Just like for my dividend income, I may review this 100 000$ goal from time to time...

The 100 000$ goal in review

100 000$ goal – current assets 65 897.03$ = 34 102.97$

This may sound a bit strange, but I am actually waiting for my next paycheck to purchase 100 units of Davis + Henderson Income Fund (DHF.UN). This new investment that I will make on Friday will add around 900$ to the current 65 897.03$ that I currently own:

34 102.97$ - 900$ = 33 202.97$

33 202.97$ - 2010 annual dividend of 3 047.19$

= 30 155.78$

I plan to invest 2 000$ per month for the period February to December 2010:

30 155.78$ - (2 000$ x 11 months) = 8 155.78$ left to reach the 100 000$ in assets.

From my new investments of the period February-December 2010, I will probably be able to earn around 2 500$ in dividend (if not more, but it could be difficult). An extra 2 500$ in dividend income add to the current 3 047.19$ seem quite realistic.

8 155.78$ - 2 500$ = 5 655.78$

Only missing 5 655.78$ left in order to reach the 100 000$ in assets. Will I be able to make it?

100 000$ - 5 655.78$ = 94 344.22$

Let’s calculate an increase of 6% for this 94 344.22$ assets… A 6% return is quite possible and realistic….

94 344.22$ x 6% = 5 660.65$

94 344.22$ + 5 660.65$ = 100 004.87$

Conclusion: The 100 000$ goal of mine is achievable.
 

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