On the road for a second 50 000$

The weekend pass by very quickly – especially after passing almost the whole Saturday sleeping… I do not working in the evening for the next 2 days. Maybe I wasn’t schedule by mistake. But I really do not mind at all. It’s just my paycheck will suffer from it. I am at a point were I would like to be working at one job only. But if I do so, my plan won’t work. I won’t be able to hit the 100 000$ in investment and I truly believe that this could happen for me in 2010. Forget about the 75 000$ or something – I am looking for the 100 000$ starting from now on. It’s not actually the first time that I am talking about a 100 000$ portfolio. And it’s not the last time either.

Each time I could work more hours or do some overtime, I feel sometimes bad about it because I know that I didn’t do all I could to make things happen. Same thing with my expenses. But even if I didn’t do the best that I could, I saw some fantastic results. So can you only imagine what it would had been if I would had done my best – work all the extra hours I could AND spending more carefully my money? I could be on 70 000$ portfolio right now. And that’s disappointing me, but in another hand, I feel I am at the right place at the right time. I could had done better, but I am doing well, still. That’s really a from me to me speech. I am just looking at how things goes right now and I have a feeling that I can possibly each the 100 000$ investment portfolio for my 30th birthday.

My new job is quite stressing. I had brought all of my stuff this weekend to study – but I didn’t read anything. I had enough for now, but I will try to go though a quick reading tomorrow early evening.

I am facing a dilemma: my mental health or a 100 000$ investment portfolio for 2010. Guess which one I had choose… a 100 000$ investment portfolio. ;)

More about my next investment: Corby Distilleries (CDL.A)

It’s with great pleasure that I am announcing my next investment: 100 stocks of Corby Distilleries (CDL.A). At 14.95$ per share, Corby Distilleries stocks are affordable.

Corby Distilleries (CDL.A) had been trading on the TSX since 1969. There’s actually 2 Corby Distilleries. They are CDL.A and CDL.B. The category A are voting shares and the B are non voting. No different between the 2, but if you are willing to invest in Corby Distilleries and think like an investor, 100 stocks or more, you might like to vote, since as soon as you purchase stocks, you own a small part of the company. Small, but still, powerful as you can vote!

The benefits of adding Corby Distilleries (CDL.A) to my investment portfolio

Dividend!

Corby Distilleries (CDL.A) provides an annual dividend of 56 cents per stock.

Stability!

I had been looking into Corby Distilleries (CDL.A). Their usual value seems to be 15$. I was actually surprised to see CDL.A at 14.95$ on Friday. There are no drastic ups and downs when talking about Corby Distilleries (CDL.A). Corby Distilleries (CDL.A) own 25% of the “alcoholic” business that is out there…

Some data regarding Corby Distilleries (CDL.A)

52 Week High: 17.24$
52 Week Low: 13.16$

17.24$-13.16$ = 4.08$

I consider Corby Distilleries (CDL.A) as a stable investment. Because the variation between the highest and lowest is not major. Period. The little analysis stop right here.

Do it like Derek Foster

I wake up at 4PM and been blogging since I wake up lol. I think I am brain dead lol… Yesterday, I was very tired; I was having terrible back pain. But now, after sleeping more than 12 hours in a row… I am alight lol. It was a bit cold in my apartment so when I felt the breeze, I just continue sleeping… I didn’t want to wake up. When I am sleeping like this, I am not doing any shopping, so I am not spending my precious money around. And talking about precious money, I have a lot of projects going on! I am not totally brain dead. I was tired because we start receiving calls at my new job and its gave me a lot of stress. We are terribly poorly train – and the trainer was kind of suck too – to do the job we are desperately trying to do. The trainer we had was basically a wanna-be-superstar and she’d once of the most annoying woman I had never met of my life. But no surprise there, I wasn’t expecting much more coming from Quebeckers. My expectations were not really high. And some co-workers are really arrogant and disrespectful (worst than me!).. but oh surprise, they are… Quebeckers lol. Nothing more than just poor Quebeckers. They should consider themselves lucky to have someone like myself – one of the best do-it-like-Derek-Foster-investor out there working for them. That’s it. Very funny isn’t?

LESSONS LEARN: Don’t expect your co-workers to be as smart and gentle as you are.

It’s actually more difficult that I taught, at some points, to work from 9 AM to midnight. I was doing it before, last year, but the difference with this year situation is that I don’t have any break between the 2 jobs. I finish one job at 5:30PM and begin the other one at 6PM. I am lucky enough to only have to take the metro and the 2 jobs are close from one to another. The shift of my evening job had been changed for next week, so I will be working during the day and my new job is during the evening. But once I will no my new job better, it will be much better and I will be less tired.

LESSONS LEARN: You can work around the clock and sleep as little as 6 hours per night if you are really into money

Great surprise, my stocks and units portfolio had increased to 34 027$ (compare to the 33 898$ on December 5th). Which represent an increase of 129$. Those numbers and this increase could be seemed at first some kind of ridiculously low. BUT – here’s my point: the TSX, when closing Friday, had lost 40.64 points and the value of my stocks and units portfolio had increased of 129$... We have something very special right here. I AM BEATING THE INDEX lol. Beat the steel when it's hot.... :)

LESSONS LEARN: You can beat the index without too much trouble.

Money projects or what to do with my money… paying debts or invest?

I currently have 1 500$ lying in my banking accounts, doing nothing. This mean that 1 500$ of my very own precious money is not working for me right now. I have to do something about it! But what should I do, pay off some debts or invest?

Take a guess, and a very wild one…

But just before revealing what I am going to do next, here’s an update regarding my debt situation:

-Student loan: 8 644.75$ at 4.75%
Yearly interest: 408.80$
-TD line of credit: 4 686$ at 8%
Yearly interest: 374.88$
-CIBC Visa: 2 979.44$ at 3.99% for 6 months
6 months interest: 59.44$
-Credit line at super low interest rate: 3 537.13$
Yearly interest: 132.64$
TOTAL IN INTEREST: 975.76$

As you can see, I had for now transferred the money I had available to invest on my credit line at a super low interest.

The total in interest is of 975.76$.

Interest rate money vs dividend money

Do I really care for in interest while my investment portfolio will provide me, in the upcoming year, close to 3 000$ in dividend earnings? I have to say, I don’t care about my debt situation, and I will ever will.

Right now, I am desperately looking forward to increase the value of my portfolio, eve we are just talking here of 1 500$. I had opened a broker account at where I currently work and it might be time to experiment their platform. And their very cheap commission fee! Starting from now, I will purchase all of my new investments through them.

LESSONS LEARN: Paying off debts is boring.

We are now talking about a new investment! What would it be?

I am giving you fee worlds: wine, vodka, gin, rum… No, I didn’t turn into an alcoholic… Those words stand for Corby Distilleries (CDL.A)! Remember that I had purchased Derek Foster latest book Stop working too, you still can!: safe beginner strategies from Canada’s millionaire investor and that I really like it? As always, Derek Foster adds the content of his investment portfolio at the end of his book. Corby Distilleries (CDL.A) is about one of the only non .UN investment that Derek Foster hold that I can afford at this time!

It makes me laugh to read some articles like: What went wrong with the Derek Foster Strategy; Is Dividend Investing dead? The Derek Foster Story and so on… Nothing went wrong with Derek Foster. It’s just at a point, the markets were scary and he decides to sell his portfolio because at the time, he taught it was the best thing to do.

In a few years from now, those same individuals will probably look at things differently. I had been reading a lot of stuff about finance and other and never before that had I read a book about finance that was almost like a user guide on how to escape from hell (hell being, of course, the work place lol). But not only. His books are not only about on how to Stop Working, it’s about understanding investment and the risk. And I add the risk in here because it’s the most important part.

I will take a personal example. My father had around 30 000$ put aside in his RRSP account. The money had been lying for about 25-30 years in an account that was providing – and still provide him – a low interest rate. Why? Because my father doesn’t want to risk his money. Reason why: never of his life he gets some investment knowledge. He doesn’t understand the notion of risk in investment.

You might know how financial planner and others work: they suggest investment products by respecting your investment profile. But by respecting their investment profile only. They don’t get into the subject into deeper manners because the law is strict. If the individual does not get the financial knowledge he needs to understand the notion of risk by himself, ever of his life he will received good return on his money. And that's very sad.

Before reading Derek Foster books, my investment life was mostly involved in mutual funds and GIC. After several reading of Stop Working: Here’s how you can!, I decide to move forward and open a broker account. I guess that in the meantime, I might had forget all about of my reading of Derek Foster books because shortly after opening my broker account, I was investing in Timminco (TIM) and Sprott Inc. (SII). My first investments were the worst one I could ever make of my life! But shortly after, I was going back on track and I had purchased all of those marvelous investments you can see on the right column of my blog…

Anyhow, after several, multiple reading of Derek Foster 4 books, I understand the notion of risk and my life will never be the same.

LESSONS LEARN: Derek Foster will probably make Canadian history. Read, learn, invest and get rich.

Early December money dividend

For the first time today we had some kind of serious snow in Montreal! My winter coat is still living in its dirt of last winter and my winter boots are still in their box… lol I am not ready for the winter. I just don’t want any snow. This is showing how much time is passing by quickly. It’s like everything come passing by very close to me, but I don’t have time to catch anything and I am empty.

Believe it or not, I have 3 weeks of vacation who are already plan for 2010! I was thinking of a little trip or something but just like usual, it will probably be a last minute kind of deal thing.

I got out of my evening shift earlier this evening. Today was my first integration day at my new job, so hitting 6 hours of work after all this was not exactly what I had on mind. These days, I had been asking to leave earlier and most of the time, they let me leave earlier. Once my regular shift will start at my new job, I had requested to work during day-time. So my old evening job will become my day-time job and my new job will take place as an evening job… But money is good, and I am basically working during all of holiday’s day… That’s right, I am working on December 24, 25, 26 and 31… and also on January 1 and 2nd… But I am not complaining. The only day I would have like to have off is the Boxing Day.

Otherwise, so far, the money is good, the work is not so rough and I am able to manage the whole working part-time and full-time kind of silly plan of mine but its working. With both jobs I have one paycheck per week, which is very great. And I can’t wait to extend my investment portfolio more and more! The value of my stocks and units investment portfolio is currently of 33 937$, which is an increase of 39$ compare to December 5. It’s quite surprising because the TSX lost a couple of points today. I believe we are living in a world of great changes right now and I am excited about what’s going to happen next. I would like to make money from my investments and I would like to see my value increase over the next couple of months.

I am slowly looking into my RRSP for the tax year of 2009. I already have 500$ aside that is waiting in my banking account. For 2009, it’s more than 10 000$ that I can invest in my RRSP and I am looking forward into investing 10 000$ for my 2009 RRSP. My goal is to save 6 000$ from the period of December 2009 to March 2010 for my RRSP… And the 4 000$ extra will be taking from my stocks or units convert into a RRSP account.

And a dividend update…

I just notice today, I had earned 3 new units of Just Energy Income Fund (JE.UN) and one stock of Fortis (FTS). I am very happy with those extensions of my little dividend earnings.

I just renew my sell order - again - for Dumont Nickel (DNI). I want to sell my 23 000 stocks at 4 cents. I have to renew my sell order every month and I have completely forget about it. Nothing much had change regarding Dumont Nicket and I just cannot wait for the sell order to be process!

Dividend income update

My dividend:

Bank of Nova Scotia (BNS): 104 stocks x 1.96$ = 203.84$
Fortis (FTS): 103 stocks x 1.04$ = 107.12$
Just Energy Income Fund (JE.UN): 408 units x 1.405$ = 573.24$
Methanex Corporation (MX): 103 stocks x 0.685$ = 70.56$
Pembina Pipeline Income Fund (PIF.UN): 404 units x 1.56$ = 630.24$
Pengrowth Energy Trust (PGF.UN): 6 units x 0.84$ = 5.04$
Sprott Inc. (SII): 503 stocks x 0.10$ = 50.30$
Yellow Pages Income Fund (YLO.UN): 415 units x 0.80$ = 332$
Bell Aliant Regional Communications Income Fund (BA.UN): 100 units x 2.892$ = 289.20$
Enbridge Income Fund (ENF.UN): 300 units x 1.142$ = 342.60$

TOTAL: 2 604.14$ + lets say an extra 150$ coming out from our super powerful DRIP strategy:
2 754.14$
(average of 229.52$ per month)

I am only missing 295.86$ before reaching the 3 000$ in dividend income… Yeah!

Money talk: I now own 61 095.40$ in assets

I didn’t think I was going to reach the 60 000$ in assets by the end of 2009, but I did… with the help of leverage. So I am now at 61 095.40$, believe it or not lol… I am very happy with the whole thing. The stock market is not too bad, companies continue to pay dividend… I am in a perfect position right now to achieve whatever I want in my financial life. My dream would be to have a 6 figures portfolio by the end of 2010. If the market remain relatively stable and if I continue working at the jobs I have right now, and if I continue to follow Derek Foster tips and tricks well, I could be in a good shape to reach the 100 000$ value investment portfolio in 2010. It’s not impossible, truly achievable. So as you can see, the reading of Derek Foster 4 books had been quite helpful!

I am aware of the situation of the .UN investments I hold. Derek Foster had actually written an article about it in one of his newsletter. I am not afraid for PIF.UN, either JE.UN. But regarding YLO.UN, BA.UN, I am not too sure what to thing. Thanks to our fantastic federal government (lol!), I have a lot to worry about. This is about MY dividend. It’s my earnings we are talking about right now… lol…. Since I don’t know what to do, and since I have purchase all of those beautiful .UN investment, in the meantime, I will enjoy their juicy dividend.

I make another investment purchase this week with 300 units of Enbridge Income Fund (ENF.UN). I know… another .UN investment… But since Derek Foster had this investment himself, I told myself, why not? Some follow Buffet, Eric Sprott or other superstar of the market, but me, My First 50 000$ kind of girl, follow Derek Foster. And it work!

Need any examples of my success because I carefully follow Derek Foster tips and tricks? Here we go:

-I invest in some PGF.UN, got some dividend (an average of 50$ per month for a couple of months), but when the company cut their dividend for the third or second time for a dividend of 7 cents per month… I was done with PGF.UN.. I sell, and I make a profit, small still, but a profit is a profit, out of the sell.

-I invest in PIF.UN. And currently, I gain more than 1 000$ out of my investment! And PIF.UN provide an annual dividend of 1.56$ per unit!!!

-This week, I invest in 300 units of ENF.UN and the next day, my gain were more than 75$. In date of December 5th, I gain more than 100$ from this investment – and it’s only been a week.

-I invested in LIV.UN a while ago, earn dividend for a little while. After they cut their dividend, I was tired of having LIV.UN in my portfolio… So I sell, and make a profit (small, but still, a profit is a profit) out of the sell…

-I never lost any money by following Derek Foster tips and tricks! This is true!

So I truly appreciate Derek Foster books for all of those reasons. 2010 will be the year where we will be able to discover more about the market and find out if my idea of following Derek Foster was good or not… But so far so good!

My investment portfolio in date of November 21, 2009

Savings:
2.69$ (ING Direct)

Non RRSP Investments:
Stocks & Units investment portfolio
Sprott Inc. (SII): 2 037$
Timminco (TIM): 326$
Blue Note Mining (BNT): 52$
Bank of Nova Scotia (BNS): 5 066$
Hanwei Energy Services (HE): 216$
Methanex Corporation (MX): 1 934$
Fortis (FTS): 2 753$
Pembina Pipeline Income Fund (PIF.UN): 6 702$
Just Energy Income Fund (JE.UN): 5 214$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 216$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 701$
Pengrowth Energy Trust (PGF.UN): 61$
TOTAL: 29 800$

Mutual funds (outside RRSP)
Sprott Canadian Equity Fund: 4 944$

Tax-free savings account
RBC O'Shaughnessy Canadian Equity Fund:
2 490.29$
Creststreet Alternative Energy Fund: 1 137$
TOTAL: 3 627.29$

RRSP:
CIBC Dividend Fund: 478.86$
CIBC Emerging Markets Index Fund: 476.21$
CIBC Monthly Income Fund: 956.79$

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

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

TD Canadian Bond: 111.04$
TD Monthly Income: 99.19$
TD Emerging Markets: 82.18$
TD Energy: 80.44$
TD Precious Metals: 107.18$
TD Latin American Growth: 96.92$
TD Entertainment & Communications: 100.56$
TD Dividend Growth: 187.49$
TD U.S. Mid-Cap Growth: 92.64$

Maritime Life International Equity Fund (Templeton):
675.02$
Manulife Simplicity Growth Portfolio: 839.63$
Maritime Life CI Harbour Seg Fund: 1 001.35$
Maritime Life Fidelity True North Seg Fund: 948.33$
Maritime Life Trimark Europlus Seg Fund: 619.62$

Great West - Various: 1 577.81$

RBC Canadian Dividend Fund: 482.88$
RBC U.S. Mid-Cap Equity Fund C$: 1 671.27$
RBC Global Resources Fund: 786.61$
RBC O'Shaughnessy International Equity Fund:
643.62$
RBC O'Shaughnessy All-Canadian Equity
Fund: 930.13$
GIC Canadian Market: 1 000$

TOTAL: 18 163.75$

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

Savings + Stocks, units, mutual funds + Tax-free savings account + RRSP + Online Income (44.63$):
56 622.36$
[In date of November 21, 2009]

Everything is fine with Sprott Inc. (SII)

I actually call TD Waterhouse, asking them why I didn't received a DRIP from my dividend. My problem was that I was supposed to received the Sprott Inc. (SII) dividend in form of a DRIP, in order to acquire new stocks. But instead, I had received the whole dividend (12.57$ exactly lol) in cash. So I call TD Waterhouse once this weekend - but they couldn't help because of the weekend so I call back yesterday and I was told it should had probably put in a DRIP, but didn't... So I was all f*** up as you can imagine. But not later than this morning, what did I see... tadammmmm 2 brand new stocks of Sprott Inc. (SII) in my portfolio yeah! There you go. It was pretty easy to deal with TD Waterhouse regarding this situation, but I had to control myself not to start screeming at them... :)

So I was all wrong, Sprott Inc (SII) is definitely a good company and they are not s******. I am one, but not them... :))))))))))))))))

I had purchased yesterday 300 units of ENF.UN - Enbridge Income Fund and guess what, the investment increase of 75$ or so in one day.... Some got it and some doesn't lol

I place an order to purchase 300 units of Enbridge Income Fund

Yesterday, I took more than 3 500$ from my credit line and transfer the fund into my broker account and... I place an order to purchase 300 units of Enbridge Income Fund. My max price is 12$... So I am pretty happy with this purchase. After what, I won't invest again until next year.. So let's say my portfolio is now close and complete for 2009.

No news for Sprott Inc. (SII)

I don't know what's going on with Sprott Inc. (SII). I call TD Waterhouse, but I was told to call on Monday to find out what's going on, so verification can be made. But from my point of view, it's appear clearly: Sprott Inc. (SII) had canceled their DRIP program without letting know their shareholders. It's appear to be almost impossible that an error occur at TD Waterhouse since all data, DRIP, non-DRIP are being treated via their informatic system. So my Sprott Inc. dividend didn't DRIP because the DRIP program had been cancel by those f****** lol. Guess I won't be purchasing any Sprott mutual funds and/or any of their stocks anytime soon. I just cannot wait for their stocks to increase to the old 9$ so I can eventually sale all of my stocks and also, I want to sell my Sprott Canadian Equity mutual funds. The fund s*** just like managers are, s******. Got it? :))))

Lazy Sunday

I am having problems with Sprott

I didn’t find yet what’s going on with my Sprott dividend as I just wake up… Let’s say it’s an easy Sunday. But as soon as go outside, I am going to call TD Waterhouse, to ask what’s going on. I also have to make sure my DRIP is still on for all of my other investments. Remember what I said about the DRIP last time? It’s allowing me to earn an extra 100$ (more on less) directly from my investment portfolio.

Derek Foster fourth book: Stop working too, you still can!: safe beginner strategies from Canada’s millionaire investor a review by My First 50 000$

Yesterday was an easy day and I didn’t do much. Right now, I am just in need of time where I don’t do anything. I had purchased Derek Foster latest book: Stop working too, you still can!: safe beginner strategies from Canada’s millionaire investor. At first, the title sound weird at first for me, Derek Foster wasn’t a millionaire, but with his house which is mortgage free and his car, well, Derek Foster IS a millionaire. The title is catchy and funny. I had purchased Derek Foster book at Chapters on St-Catherine St. There’s still a couple of Derek Foster books waiting for you lol. I get through the reading of Stop working too, you still can!: safe beginner strategies from Canada’s millionaire investor easily. This one is easier than the Money for Nothing, which, I had to admit, didn’t understand too much. But as Derek Foster explains himself, Money for Nothing is more for sophistical investors, which I am truly not lol. So I prefer to stick to the basic and with things I can understand. Right now, a thing that I don’t understand is my Sprott dividends… And I am going to find out in a couple of minutes.

The reading of Stop working too, you still can!: safe beginner strategies from Canada’s millionaire investor was very funny for me because there’s a pat where Derek talk about banks and it make me laugh because well, I am now working for a bank lol.

Derek Foster had started a new project earlier this month: newsletters. There have been 2 so far, interesting as always published on his web site: stopworking.ca. Very nice and I think it’s good for him. So far, Derek Foster was making a great contribution on Canadian Business forum. So it’s good he gets to work a bit more for himself than for other and get a place where he can write over the Internet without being judge or attack.

There just one little thing I don’t understand about Derek Foster: where in the world are his Google AdSense ads?

As always at the end of his book, Derek presents an update of his portfolio. I made a lot of cash on Pembina Pipeline Income Fund (PIF.UN). And I first purchase Pembina Pipeline Income Fund (PIF.UN) because it was from Derek Foster portfolio. I had more than 3 000$ available to invest on my credit line. As you know, I wanted to invest in Brookfield Renewable Power Fund (BRC.UN) for a very long time. Earlier this week, I wanted to invest in 200 units of Brookfield Renewable Power Fund but I had to say, I wasn’t so sure of the pick and well, I didn’t invest in BRC.UN. While looking at Derek Foster portfolio update, I take a look and I find out that Derek was investing in Enbridge – put in their unit fund. So I guess I will be placing an order for 300 units of Enbridge Income Fund. But will place the order later on this evening, after calling TD Waterhouse.

Investing using my TD credit line: why do I do so? I love leverage

My 5 000$ loan at 8% with TD credit line require a minimum payment of 150$, which I can easily afford at this time with my 2 jobs. The other credit line I have at my job (at a super low interest rate) require a minimum of 100$. I can afford those payments. I am using leverage – but I only using what I can afford to pay.

Those it worth it? For me, the answer is yes, because the dividend covers the payment of the interest and it worth it all the way because my dividend are being reinvested. Reading Derek Foster fourth book just boost my confidence is the market.

About my latest investment and their dividend:

Bell Aliant Regional Communications Income Fund (BA.UN): 100 units x 2.90$ (yearly dividend) = 290$
Enbridge Income Fund: 300 units x 1.15$ = 345$

290$ + 345$ = 635$

5 000$ at an interest rate of 8% = 400$ in interest

635$ - 400$ = 235$

I win 235$ in free money by using leverage. I will definitely place an order to purchase 300 units of Enbridge Income Fund. Units of Enbridge are cheaper than the real deal – Enbridge stocks (ENB). ENB stocks are at more than 40$ per stock… Can I afford it? The answer is no…. lol.

In conclusion for now

For now, I am going to call TD Waterhouse to find out what’s going on with Sprott and also, I am going to read my banking stuff at a café. And later on, I will place my order for 300 units of Enbridge Income Fund.

What’s going on with Sprott dividend?

So far, I had received Sprott dividend for its company Sprott Inc. (SII) without any problem. Just now, after giving a quick look to my very awesome stocks and units portfolio lolllllll, I just saw something new: my Sprott dividends were in. A little but very welcome 12.57$. No problem there. Extra cash is always welcome. But, the only problem is that I received the whole 12.57$ in cash. No dividend had been reinvested. How come?

Last time, my dividend of Sprott were reinvested, which allow be to get new Sprott stocks. But this time, the money was there, living in cash in my broker account. Maybe would they be reinvested on Monday? I really don’t know, but the whole thing is very strange. All of my dividend are being reinvested and a 12.57$ would had normally let me earn 3 extra stocks of Sprott. Could me that the DRIP program had been cancel by Sprott Inc. (SII)? I have to call TD Waterhouse tomorrow. I could call them now, but it’s cold outside and to tell the true, I am some kind of tired, even if I wake up late in the afternoon. My 9AM to midnight schedule is killing me.

I guess it’s possible. But in this case, as soon as the stock price of Sprott increase to the old 9$, I will be selling all of them. That’s for sure. I cannot talk for now since I don’t really know what’s going on but if Sprott cancel its DRIP plan without my authorization, it’s not going to be pretty at all lolll. I am in fire.

Money, dividend and life

I finish my evening job ealier today, as I ask to leave earlier, and I was able to leave early… I took my first calls during the afternoon at the new job I have on today, and it was quite of a challenge. It’s not easy at all for me. For now, everything is fine, I pass my third exam. They are not always very kind at my new job, but I don’t bother that much. My expectations were not very high since I am in Quebec. Sometimes, just a little something splash in my face and remind me that, yeahhh I am in Quebec, in a « country » where foreign doctors had to become taxi drivers to make their living and where idiots like Brian Mulroney and Henri-Paul Rousseau get easily forgive for their wrong actions… Bunch of juicy details righ here lol.With my 2 jobs, money is good, my portfolio is doing well. Basicly for the year 2009 so far, I had reached all of my investment goal. I had reached my first 50 000$ in assets and I had reached the equivalent of 200$ per month in dividend income. Next step will be to work on paying up some debts, while continuing to increase my portfolio from time to time. I also want to put some money aside in my ING Direct account. So many things going on. Everything seem to be possible. I find out about Derek Foster fourth book just recently and I plan to purchase it this weekend. Cannot wait to find out about new tricks on how to become a millionnaire :))))

I am now at an investment portfolio of 56 622.36$

I now have reach 56 622.36$ in investment. Really fantastic. I am very happy with my brand new investment – 100 units of Bell Aliant Regional Communications Income Fund (BA.UN) I purchase earlier this week.

I have 18 019.62$ in debts. I calculate the amount of interest I will pay for a full year, and it make 885.56$... Which is not enormous, but still…

Sadly, here are my debts: :)

Student loan: 8 719.08$ at 4.75%
TD credit line: 2 718.76$ at 8%
TD Visa: 1 681.78$ at 4.9% for 6 months
New credit line: 4 900$ at a super low interest!
TOTAL: 18 019.62$

I will be working at paying my debts in the upcoming months; I just have to stop buying stocks or units whenever some money becomes available on my credit line…

Imagine it : the interest rate on my new credit line is lower than the one of my student loan! Isn’t fantastic? So here is the plan: to pay off my TD credit line, after pay of my TD Visa at 4.9% and after, pay off my student loan. I can achieve this in about 6 months or so… I will have to watch out my expenses carefully and slow down on coffees, junk and everything else…

At this point, since my stocks and units portfolio is slowly taking form, it’s important to pay off some debts and more important part is that I need to remain debt free and stop investing using my credit line. It’s very difficult for not to invest and just pay off debts… I find paying debts very boring because it doesn’t bring anything new to my portfolio.

And talking about my investment portfolio, let’s upgrade our yearly dividend income!! Yeahhh

Bank of Nova Scotia (BNS): 104 stocks x 1.96$ = 203.84$
Fortis (FTS): 103 stocks x 1.04$ = 107.12$
Just Energy Income Fund (JE.UN): 408 units x 1.405$ = 573.24$
Methanex Corporation (MX): 103 stocks x 0.685$ = 70.56$
Pembina Pipeline Income Fund (PIF.UN): 404 units x 1.56$ = 630.24$
Pengrowth Energy Trust (PGF.UN): 6 units x 0.84$ = 5.04$
Sprott Inc. (SII): 503 stocks x 0.10$ = 50.30$
Yellow Pages Income Fund (YLO.UN): 415 units x 0.80$ = 332$
Bell Aliant Regional Communications Income Fund (BA.UN): 100 units x 2.892$ = 289.20$

TOTAL: 2 261.54$
(average of 188$ per month)

My goal was to reach the equivalent of 200$ in dividend. I can easily say the goal will be reach in 2010, because of the DRIP I am register to with BNS, FTS, JE.UN, MX, PIF.UN, SII and YLO.UN. With those DRIP, I should earn an extra 100$. It’s not anytime soon I will be able to retired lol, but its fun to try to…. Early retirement on the way... 911

My investment portfolio in date of October 10, 2009

Savings:
2.69$ (ING Direct)

Non RRSP Investments:
Stocks & Units investment portfolio
Sprott Inc. (SII): 2 270$
Timminco (TIM): 258$
Blue Note Mining (BNT): 56$
Bank of Nova Scotia (BNS): 4 868$
Hanwei Energy Services (HE): 243$
Methanex Corporation (MX): 2 013$
Fortis (FTS): 2 622$
Pembina Pipeline Income Fund (PIF.UN): 6 107$
Just Energy Income Fund (JE.UN): 5 616$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 270$
TOTAL: 26 519$

Mutual funds (outside RRSP)
Sprott Canadian Equity Fund: 4 588$

Tax-free savings account
RBC O'Shaughnessy Canadian Equity Fund:
2 473.86$
Creststreet Alternative Energy Fund: 1 170$
TOTAL: 3 643.86$

RRSP:
CIBC Dividend Fund: 478.44$
CIBC Emerging Markets Index Fund: 456.69$
CIBC Monthly Income Fund: 951.39$

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: 109.05$
TD Monthly Income: 98.87$
TD Emerging Markets: 78.47$
TD Energy: 81.11$
TD Precious Metals: 97.58$
TD Latin American Growth: 91.62$
TD Entertainment & Communications: 95.73$
TD Dividend Growth: 186.68$
TD U.S. Mid-Cap Growth: 91.94$

Maritime Life International Equity Fund (Templeton):
660.47$
Manulife Simplicity Growth Portfolio: 827.03$
Maritime Life CI Harbour Seg Fund: 988.14$
Maritime Life Fidelity True North Seg Fund: 929.15$
Maritime Life Trimark Europlus Seg Fund: 589.65$

Great West - Various: 1 577.81$

RBC Canadian Dividend Fund: 480.53$
RBC U.S. Mid-Cap Equity Fund C$: 1 674.91$
RBC Global Resources Fund: 781.78$
RBC O'Shaughnessy International Equity Fund:
644.26$
RBC O'Shaughnessy All-Canadian Equity
Fund: 913.37$
GIC Canadian Market: 1 000$

TOTAL: 18 002.65$

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

Savings + Stocks, units, mutual funds + Tax-free savings account + RRSP + Online Income (37.17$):
52 833.37$
[In date of October 10, 2009]

BA.UN, exams and other stuff

This week pass by quickly. So far at my new job, I got one quiz and 2 exams. I didn’t pass the quiz (which didn’t count), but I pass the 2 exams, which I was very happy. But there are 2 more to come… And by the end of next week, we will take our first calls… I hope it will go ok because right now, with the combination of the 2 jobs I have right now, my old evening job and this new one, I am making more than 3 000$ after taxes, which allow me to do a lot of things.

As I wrote previously, I pay off one of my student loan debt. The debt was of 1 087$. On Monday, I had received my new credit line with the bank I am working for. I use that credit line to pay my TD credit line. For about 4 days, there’s been no activity on my TD credit line lol. But it didn’t last for long. Yesterday, I purchase 100 units of Bell Aliant Regional Communications Income Fund (BA.UN) as, let’s say, a Christmas gift from me to me… BA.UN is not cheap. I took 2 729$ from my TD credit line to pay for the investment. BA.UN dividend payments are interesting. BA.UN yearly dividend is of 2.94$ per unit. My TD credit line is at an interest rate of 8%. 2 729$ at 8% make 218.32$ in yearly interest. And my BA.UN investment provides me an income of 294$, which is more than the cost of my interest on my TD credit line… This is actually a principle that Derek Foster cover in one of his book. Nice, but I still need to make the minimum payment on those loans! Anyway, for now, I can afford. If something would happen, I could always sell my investments… But so far, it’s seemed to go well.

The 60 hours per 2 weeks that I am doing at my evening job gave me 650$ after taxes. I was pretty happy when I saw the amount of my pay. I can basically afford my living with that job alone. All the other money I make can be spend at whatever I want. And what I truly want right now is to extend my investment portfolio. And right now, everything seem to be align in a way I can achieve my goal

This weekend is going to be a relax one. Like always, I am going to review my banking stuff lol, but I cannot wait to take pictures all over the place with my new digital camera… I didn’t got the chance to try it yet. It’s going to be fun. Also have to update my portfolio (what you see at the right column), but I am just too tired to do it right now.

My order to buy 100 units of Bell Aliant Regional Communications Income Fund

This week was really fantastic. I pay my little student loan (the amount was of 1 087$, which is now pay off). I also pay my TD credit line with the money I had receive from my credit line at a very low interest. But I couldn't help it, I just place an order to purchase 100 units of Bell Aliant Regional Communications Income Fund (BA.UN), at the maximum price of 28$... FINALLY!!!! I wanted to own some BA.UN for so long!!!! Their dividend is so fantastic! 2.9004$ per year per unit!

I wanted to stay at 0$ on my TD credit line, but I wanted to extend my stocks and units portfolio, and I could'nt wait. I wanted to purchase some Bell Aliant Regional Communications Income Fund for a very long time now, and this seem to be the perfect occasion. I calculate roughly, and I should earn around 2 500$ in dividend for the year 2010... Which make my 200$ per month I wanted to achieve and which make now more than 55 000$ in assets, and just a little bit of debt...

I just can't wait for the weekend to come, I really want to calculate how my investments worth now. A TSX at more than 11 600 points, isn't great? IT HAVE to remain the same until the weekend!!!

Busy-busy week

I had many things this week with my training for this new job I have and also the exam I got.. I pass the exam! By looking at my mistakes, I think there’s some stuff I taught I had understood but didn’t understand… So I guess I will read again banking stuff this weekend… Time goes by too quickly and things are getting pretty rough. Very difficult to follow a training, study for it, work 30 hours on top of that at my regular evening job… But money really worth it.

I also transfer money into my banking account in order to pay off one my student loan, at 1 087$... I am almost done with this, I only need to contact my Caisse on Monday to get the payment done and completed.

So far so good, I pass the exam, I continue the training. I might open an account with them in order to trade online very soon.

I received my Just Energy Income Fund (JE.UN) for the month of October. I now own 3 new units of JE.UN. Very nice. I am now at 408 units… Nothing extraordinary yet, but my portfolio slowly taking form and I am always amaze when I received my dividend. Currently, my stocks and units portfolio is at 26 725$, an increase of 206$ compare to October 10th… A little increase is better than nothing at all…

I got the loan, but failed my first quiz

I don’t have any training tomorrow; which is perfectly fine with me. I have so much to do, excluding studying. And surprise, my credit line of 5 000$ at a super low interest had been approved! Today, I provided some proof of incomes. But my credit line is not open yet as I had to take an appointment. By Friday, my credit line at TD will be all pay off, I won’t have to pay the regular TD interest rate of 8%. So I am quite happy with that part. I also ask a question of what will happen if I loose my job at the bank (which is not TD by the way lol), if the interest rate will remain the same, super low? And I was told yes, over the phone… But I would be quite surprise if it would be the case… Anyway, I don’t really mind for now. It make a lot of things to do for me to do at the same time and at a point, I won’t be very sad if I got fired because I had failed the exam or what so ever. Of course I will do my best not to fail, but I mean, if I fail, I won’t be too sad, because I miss my free time, I miss getting up late, drinking coffee late at night, I miss HubPages… Even if I fail, I am pretty happy with all the things I had been able to do. With the pay I will receive this week, I will pay off one of my student loan. After what, I will only have left less than 9 000$ in student loan. For the upcoming months, I would like to pay off some student loan debt, invest in something new for my portfolio, like BRC.UN or EMA, and plan something for my RRSP contribution of 2009. I will probably turn non RRSP investment into RRSP, just like I did last year. But this time, it will be with stocks and units. I have around 10 000$ to invest in RRSP and I will contribute to the maximum into it, in order the save as much as I can on taxes. I have a lot to do and I don’t like too much the training I am following right now because it’s a bit too much of fast food training as everything is being explained quickly and a lot of information is being provided at the same time. Everything is just not fitting well all together and to tell the true, I am not too happy with this. Low salary, great benefit and a training on-the-go. Really not for me. Anyway, I will continue. I am just praying my investment plan will work out and that everything will work out at the end. I really dislike living in the province of Quebec and I just want to escape from here. In God I trust.

Work-work-work, shop-shop-shop

I didn’t blog during the whole week that just pass and at a point, I really wanted to just open my laptop and write up something, but I couldn’t, since I was in training for my new job from 9AM to 5:30PM. After that, I was working at my regular evening job from 6PM to midnight. It’s not as terrible as it can be seen at first sight. I actually went thought this without too much problem. So far so good… The week and the weekend pass way too quickly.

I am getting my first exam next week, just after November 11. Since we are off that day, I will have major part of the day to study. I didn’t work this weekend as I was studying. I also went shopping. I purchased an external DVD player (mine from my laptop just doesn’t want t open anymore, after 5 years of usage). The external DVD player was under 80$.

I purchase a Banana shampoo and conditioner from The Body Shop. You read it right, Banana shampoo and conditioner! Isn’t cool? I just cannot wait to see the result on my hair. My hairs are actually oily. I have to wash my hair every 2 days if not… Its itch, my hair get oily and it’s simply disgusting lol. Tomorrow when I wake up, I will take a shower and try my new Banana shampoo and conditioner.

I also purchase something that I wanted for a really long time now: an external disk drive of 1 TO, which was at 129$. Both items were purchases at Staples. I find Staples a lot cheaper than FutureShop. I already begin to use my external disk drive and it’s allow me to save 1 GB on my laptop so far. I want to save all of my pictured on the external disk drive too eventually and all of my files… Just a lot to do.

And I also purchased, just today actually, a brand new camera! My current digital camera was very old. I purchase a new one, it’s a really cool Kodak EasyShare Z915. It has a 10X optical zoom with optical image stabilization. And the Koday EasyShare Z915 had won the Best-in-Class picture-capture speed! The camera I had before was also from Kodak, so I just wanted to purchase a brand new model of digital camera. I am use to their EasyShare software, and really like it. I just cannot wait to try it. I should be able to do that on this upcoming Wednesday.

I plan to work Saturday the whole day next week if overtime is available. Studying is good, but after a while, all of those banking terms just don’t make any sense after 3 hours of reading. So I read a lot, write a lot… It’s all new and it’s difficult. But even if it’s all new, I apply for a credit line. I just cannot wait to see if I am going to be accepted for it. I should know within the next 2 days. My plan is to use that new credit line (at a very low interest rate that I won’t expose here) to pay off my TD credit line. Would it work or not? I don’t know. But at the salary they are paying, and knowing I have a pretty good credit score, I should be able to get it. Those people now know everything about me! I told the agent who create the request how many credit card I have, how many debts I had and also, how much money I have… So there’s someone out there who actually know that I own more than 50 000$ of my really own money in investments and that’s pretty scary. So if I don’t get the credit line, it’s going to be toooo bad for them, not for me lol. It will be bye bye and I am out of here! LOL!!! But really, if I got refused, I am just going to ask for another consideration and so on. I am going to make them hate me very very much.

Regarding the shopping of this weekend, it all went to by CIBC Visa. And since I had received an offer for a balance transfer coming from TD Visa at an interest rate of less than 5%, guess what will happen very soon? Another balance transfer! I just want to pay off the 6$ left to pay on my TD Visa before…

Just MARVELOUS. This balance transfer should be around 1 500$, including the shopping of this weekend. It’s nice to accumulate investment, pay off debts and stuff, but it’s actually nice to spend some money over stuff I want. But those are not major debts. I currently have 700$ I want to make in deposit to pay part of my student loan. It’s really annoying because I have 2 student loans, from the federal government and the other one from my fantastic province, New Brunswick. So what I want to do, is pay off my provincial student loan, which is only of 1 087.40$. Once completely pay off, I will only have 98$ per month to pay in student loan. Eventually, it will completely be paid off.

I know I should pay the loan with the higher interest first but gees, I am getting tired of that debt, of having 2 student loans to pay each month, one at 65$, the other at 98$. So I am paying off completely the student loan I can pay off. And that’s my provincial student loan. Just a problem: I wanted to pay online 700$ on my student loan, but the ACCES-D system is not allowing me to do so, so I guess I will have to call those really charming people of Desjardins once again… which s***.

I notice that my stocks and units portfolio is at a bit more than 26 600$ right now, which is really great, because I am exceeding the 26 519$ had back on October 10… So I should be around 53 000$ or more right now. Isn’t great?

Let’s say I am taking care of business here, live from Montreal lol.

Until I hit the 150 000$ in investment that will allow me to stop working just like Derek Foster :)))) I will continue working, studying and praying for my loan at a really cheap interest rate to be approve. Does God want this to happen or not?

Tomorrow is the day

It’s been one of those weekends. I enjoy my shopping days. Today, I wake up late, clean my place, do some laundry and dye my hair. I actually hate my last coloration. Within a month, roots were showing up. So I color my red, dark auburn today. It’s a beautiful rouge dark auburn and I think I wear it well. I am very happy with all the things I was ale to do this weekend. Those were things I was not doing for a couple of weeks now, while being busy with my overtime. And since I hate to do cleaning, laundry and stuff like that, I always pushes those tasks to the last minute… Or until I got enough. After dying my hair, I just return the 3 DVDs I couldn’t listen to because the DVD player in my laptop is not coming out… I always took pretty good care of my laptop, so I don’t know what happen. But after 5 years of intense usage, at one point, my laptop got enough. And I have enough of my laptop. So I guess I will be purchasing myself a nice Christmas present: a brand new laptop.

I can now focus on my 2 jobs. Tomorrow is the big day: my first day of training at my new job.

Hot hot hot.

A very busy weekend and a lot fun

My schedule for my evening shift had been arranges. So I will be doing from 6PM to midnight, from Monday to Friday I have my training during daytime between 9AM until 5:30PM. I will be off on Saturday and Sunday. And since there’s always overtime during the weekend, I can always do extra hours if I want. This being, of course, the situation at my evening job.

I had been quite busy lately. I went for some shopping. I purchased 2 pair of pants greatly needed. I also purchase a pair of shoes. We are aloud to wear jeans, but I couldn’t see myself in a bank atmosphere wearing my very old jeans and my black and pink Nike shoes on, even if they are pretty cool. I did a lot of stuff today, I took it off from my job, I wasn’t schedule, but I wanted to do overtime. My goal was to do overtime and reach the 1 000$ paycheck, but I decide to do my shopping and stuff on today. I also did some of it on Friday afternoon, so I didn’t overtime either on Friday. I finish the day by renting 3 DVD but my DVD player on my laptop is not working anymore. It’s just won’t open, and I try several times. Anyway, I might quickly going to check tomorrow if I can purchase an external DVD for my laptop and if it’s cheap, I am going to buy one. It’s just too frustrating, having those great DVDs and not being able to listen to them. I don’t even own a TV. It’s been 2 years since I had been living without a television and I don’t miss.

I am in need of a new laptop. The one I own had been purchased back in 2005. It’s an Aspire 3502 WLCi, just 60GB HDD and 512MB DDR… I saw some laptop with a 250GB HDD at a fair price. Or was it DDR? I don’t remember, but it was certainly better that what I have now. If I see that things are going well with my new job, I will probably spend some cash on a new laptop. This drive us to Christmas, and there’s always good deal around at that time.

Or I might simply return them without having the chance to see them. Guess I won’t wake up early tomorrow as it’s already pass 1AM.

I try to do the shopping, laundry, cleaning and grocery shopping in one day but it was too much for me. And when I couldn’t listen to my DVD, I was upset and went to bed. I just wake up, trying to do some laundry… I have tone of laundry to do! I am glade I wake up. My places had been a real mess and I try to get it clean. I don’t like doing my usuals, but I have to do them. I hope its going to work out at the job I am going into. Everything is working well so far, at least with the schedule of the 2 jobs. I did some spending over the weekend, but it was stuff that was really needed and that I didn’t have.

So it’s now almost 1:30AM and I still have stuff of mines in the laundry room. Just crazy. It doesn’t seem like it, but working 50 hours weekly take all of my time. It doesn’t provide me any time for laundry, cleaning, etc.. or so little. So I now have to do everything in one little weekend. Tomorrow is going to be cooler, I will only have my cleaning and my cooking to do, which I should be able to do very quickly, and will have time for myself. I am quite happy to be almost done.

I wanted to give a check at my TD Waterhouse portfolio, but I forget about their Saturday night maintenance. For the month of October, I am only missing my Bank of Scotia (BNS) dividend. But I guess they are not in yet, not during the weekend

I received my new credit card. It’s at the rate of 11.5%. My credit is of 4 000$, which is ok. I would very much like to open a broker account at where I will be working because we are eligible to trade at a discount price. I would very much like to invest in 100 units of BRC.UN. I really want to extend my portfolio as much as I can. And I would like to reach the 80 000$ in investment by my next birthday – I will be 30. Is 80 000$ too much asking? It will depend on how things turn out for my current investment and for the next one I am planning to do. But the 80 000$ is a nice goal.

The time just change on my laptop, now 1:04AM while it should be 2:04AM. Hour change. My laptop is smarter than me lol.

Things are getting better for now

I wake up at 9AM while I wanted to wake up at 7AM. Soon after I begin my day, I went to see the person I wanted to see regarding my schedule. I don’t know which schedule I will got, but something will be done about my request. So far, seem to me that me schedule problem will be resolve. It’s always difficult to deal with such things. But I was told it was going to be alright and I didn’t have to argue… Which, of course, I was ready to do. So I consider lucky because I will be able to work at both job and I am very happy about it.

But I am glade I did something about it today. My investment portfolio lost a lot of value, but I don’t worry to much about it. The stock market is so volatile. Myself, most of time, when I invest, I invest in order to hold. I am not a major seller. But seem like some other fellow investor are selling like crazy because all of my investments, in different sectors, had lost in value today. But that’s how the stock market is. The key is to invest in dividend paying stock. That’s what Derek Foster said in an interview. Even if he sold his investment portfolio, Derek Foster is so right about everything.

If I take a look at my portfolio, all the money I lost came from investments I pick, some penny stocks and other. I lost money from companies who were not paying dividend at the time I purchase them. This is the case with Timminco (TIM), Sprot Inc. (SII), Hanwei Energy Services (HE), Blue Note Mining (BNT) and Dumont Nickel (DNI). Those companies were not dividend payers at the time I had invested in them and I lost money from them. I still want to invest in more in stocks.

I am currently doing overtime again at my job. I am desperately looking for a 1 000$ paycheck. I will be able to do it, but only if I do some hours again tomorrow and again Saturday lol. I really need the money and money is so difficult to earn, but so easy to loose… I am very temps by a 100 units of PGF.UN right now, since I have 6 units of them in my investment portfolio right now… So many things I want to do and so little money available! I know this can sound strange, knowing I sell my 650 units not too long. But remember I sell at profit? I want a little slow down for PGF.UN. PGF.UN target price is 12$. If I can purchase 100 units at 10$, I could possible sell them later on at 12$ and sell again if I want, to make a profit. Wouldn’t be marvelous? I have the possibility to open a broker account and my trading will be under 10$... So I really need to open the account as soon as possible and get ready. But just too many things to do right now.

Work problems

I have so much to say on what happen today! My evening job really sucks! They are so rude! Or I should say one of the managers with no education was rude with me today. I know the schedule for next week is not out yet, so it’s giving me all the time of the world to have my schedule change to the new one I wanted to submit. But I was told I couldn’t select my own schedule and so… Just of a remembrance of whom I am: a simple employee… So when I ask for an update of my request later on in the afternoon, I was told by the poor man that he had a meeting…

After 2 years being at that job, I never took vacations, I never miss one single day of work, I had always been available to do some overtime. And now what? In return, I am being treated really disrespectfully. Not to talk about the shift trade I had been generously being doing with my colleagues when they where in need of a weekend days. I did several times those kinds of shift trades while I was out of my weekend job. I never ask for anything. And now, with my only request in 2 years, I am being rude. I do not do drugs, I don’t hold a criminal record, I am always at work. And what do I got in return? NOTHING.

More than a year ago, I ask for a regular shift, from Monday to Friday, I ask for the evening shift, and I got it. Now, I am asking for another shift, and nothing is happening. Why? Because the poor guy didn’t want to submit my request right away. Just too lazy. I know he didn’t. Because more than a year ago, the exact same thing happen to me. It took me 2 weeks to get my regular schedule. But this time, it’s going to go faster, I am not done with them. No one have the right to refuse a shift change to me knowing how hard I had been working for them. So guess that tomorrow I will have to wake up early to see the supervisor in charge, another one of course. And we’ll see from there.

Some managers are so lazy; they are not willing to do anything to support their team. But their employees should be their top priority. There’s just no caring in their manners something. Just too often. If I would be a manger, had an employee who never miss a day of work always doing overtime asking for a favor, of course I will provide whatever the employee want. I should be their top priority ad that’s what I am going to say and explain tomorrow: your employees should be your top priority. The schedule change I am asking is not that much as a change. Sure tomorrow I am going to wake up early and go see someone else. And I am going to filed out a bunch of complaints. So lazy, so disrespectful!!!! A I am very upset right now because it’s the second time ever I am facing problem with my schedule at that job.

But could it be it, wouldn’t be just the time for me to move on, concentrate on my training and than, when I get my fix schedule after the 6 weeks training look for a second job if I want to? This could be the perfect solution, depending of the answer I will be getting from my evening job tomorrow.

I got the job!

I call 3 times today for my upcoming job. I had enough of waiting! I couldn’t wait any longer! So I call… And I call 3 times. On the third call, I told myself I could probably never get hold of the person I wanted to speak to… So I left a message and got a return phone back shortly after… And that’s how I learn everything was ok for me to follow the training for the job next week! And I am pretty happy about it. I am feeling a lot better now, that’s for sure.

Until that time, I have mass of things to do! Like my usuals (too much cleaning and boring stuf like that ;) and also, giving my schedule for my evening job… That schedule will be valid for 6 weeks, after, I will have to make it change again. Just hilarious. The training is during daytime, but we finish late, so I won’t be able to do my regular evening shift… I will probably be able to arrive 2 hours later. So tomorrow, I will try to begin my day earlier to see someone for my schedule.

As for the other thing, too bad, my stocks and units portfolio investment is currently under 27 000$. It was doing a lot better just before I went to work today. In the meantime, I don’t know what happen. Guess we are still in that recession…

Today update

I just wake up by the sound of my pager at 11:30AM. Just received a call, but it wasn’t the one I was expecting! Its actually for another job. But that job even lower paying that the one I waiting for a call… I try to call the person I saw last Monday at the interview, but no answer… So I will try again, and if I cannot reach him, I will left a message or email… But the security check should definitely be ok. If not, someone had done a mistake somewhere… lol.

My stocks and units investment portfolio is currently at 27 176.07$. Which is always better than what we got in date of October 10th. And compare to last Friday, I gain 45$! Super great. At least everything is going ok with my investment portfolio. And how about the job? I truly don’t know. I am going to call again this afternoon, if I am lucky, I might be able to reach the person if not well, life goes on.

For the next following days, I will try to do the things I wanted to do and will do them, even while waiting, and waiting, and waiting…

Getting back on track

This weekend, I didn’t do nothing much. I was in a mood to nothing at all. I wake up late on both days, went to bed way to late too. It was a nice time off I have to say, especially today. The weather was beautiful today in Montreal. I went for a walk to the Park Lafontaine. The sun was out and it was pretty cool.

This weekend, I could have did some hours at my job since there’s currently overtime available, study the bank Web site for which I am probably be working for, got a hair cut, do my grocery, my laundry, clean my cutty little apartment, cook for my lunch… But guess what, I didn’t do anything of the above. Nothing at all lol.

At a point, I have too much things I am giving myself to do and well, at the end, I am ending doing nothing at all. But I have to say, I feel tired. True I walk a lot today, but I shouldn’t feel tired, especially after a weekend, but I do feel tired. Part of this laziness of mine coming from the other job. Like I am still waiting for a formal confirmation. Is a security check supposed to be long? I got my interview last Monday. I felt out the form, got the letter saying I am employed, but I was told I have to wait for their call before showing up to the training. But I cannot stand waiting anymore. It’s the reason why I cannot do anything right now. I need to know as soon as possible or I am going to die… Of course I am not truly thinking this – but its partly describe my state of mind at this time. Also, I need to give a notice for my schedule at my evening job. I want to continue to work there, but it’s just my hours will change a bit, but I am confident it won’t be a problem. At this time, I just want to know where I am going. And still, giving them a call won’t look like I am doing too much as they know I am currently working…

If the whole situation turn good for me, I will be giving an answer while calling tomorrow, I will be tell that everything is ok and for the hours giving at my evening job well, it’s going to work fine too lol….

I didn’t hear from my weekend job in a really long time now, so I guess there’s still no work available. Those times are kind of stuff. I am still able to manage, but it’s tough and rough. And having a job without really knowing if it’s official or not is even harder. Stupidly, I sign on for a credit card with the bank – maybe too quickly. But I like credit card, I just couldn’t say no to a credit card offer.

And just to come back to my credit card debts, I completely pay off my TD Visa. Since I am not working as an escort girl lol, I plan to do a balance transfer for the 500$ (which couldn’t get higher soon) from CIBC Visa to my TD Visa, at the rate of 4.9%. With only 70$ or so left in my banking account, I am very happy to have that balance transfer available. I am saying that my credit card could get higher, because if I have my banking job, I might be in a mood to do some shopping. But it won’t be too much. If I can finally have an official yes. So tomorrow is the true day, the day if I am going to know (or not) what’s going to happen next to my little person. In case of a negative answer, it won't be the end of the world, I will register to a dating site and start dating, just to do something with myself. Sure someome out there somewhere want to date me....

Other than the stress of not knowing for sure, I am pretty happy with everything right now. My investment portfolio is doing well. I just cannot wait to purchase more stocks. As soon as I receive the confirmation that I got the job, I will definitely look into open a broker account with the bank and I will try to put money aside for future trading. Looking good for a first 60 000$.

The investment of a lifetime: Pembina Pipeline Income Fund (PIF.UN)

I did around 4 hours extra on top of my regular shift today. It’s very difficult to do more hours than that lol. For now, everything is going fine. I would very much like a 1 300$ paycheck, after taxes of course. For that, I am willing to go to work on Sunday. I will definitely take my Saturday off. I need it to study some stuff for my upcoming job. My stocks and units investment portfolio is now at a fantastic 27 208$! Up of 689$ compare to October 10th! Not bad at all. Pembina Pipeline Income Fund is so just fantastic. For the first time ever since I have that investment in my portfolio, Pembina Pipeline Income Fund (PIF.UN) exceed the 16$ per unit. That was on today!

I was just looking at my TD online account and saw I had been offer a transfer at 4.9% for a transfer of balance… So I might pay my current TD Visa balance which is currently at 460.26$, keep around 80$ in my banking account and... tadam… transfer the 504.13$ I have on my CIBC Visa over my TD Visa at 4.9%... I couldn’t live without credit card balance transfer. Like that thing.

Until I can pay it all. But that will have to wait for my next paycheck… So everything is going so fine right now. Just so much fun. It’s not going so bad with my overtime either. What I learn from myself by working at the job I have right now: I can work 12 to 14 hours on a row without screaming at any of my customers… Isn’t sweet?

Pay night

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.

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.

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?

:))))))))

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]

My job searching progress

I begin my job search and I got a first interview next week for a job. Problem being: I might not be able to work someplace else while working for them (a major Canadian bank). I couldn’t lie, the job require experience in a call center as a customer representative and the only place I got that kind of experience is at my current job. Normally, when I apply at a job, I am pretty smart, I don’t expose my newest experience and until now, it work pretty well, and it allow me to work at several jobs at the same time.

But the job of today required experience as customer representative and I was asked if I was still working there, and I answer yes… I couldn’t lie, especially on that. Over the phone, the interviewer told me that I probably wouldn’t be able to work someplace else while working for them. But hey, at the salary that they are paying (less than 30 000$), how can they imagine I will stick with only one job? Anyway, I didn’t discuss much over the phone as I didn’t want to ruin all of my chances right from the start. As for the salary, it’s the salary I was told over the phone, which I said was ok. They have evening shift available, which are perfect for me, it will allow me to work daytime at the job I am right now. I could probably work something out and I could possibly earn more than 40 000$ this way. Wouldn’t be cool? Will God let me do this for my own faith? Anyway, I don’t know what God want from me, but what I want is some cash. And I want it right now!

But remember, this is my first interview, which I am pretty happy about. And I am thinking about taking the offer. I am not looking specially to work with a bank. It’s just happen that way. Actually, I should explain to them that I don’t want to be a simple CSR (customer rep), but I actually want to become one of their mutual funds manager lol. No one is better than me, right?

I should probably explain that to them at the time I present myself to the interview next week. Sure I am going to get the job right away this way. Crazy.

About my stocks and units investment portfolio

It’s getting better and better and I am proud of my move (selling PGF.UN), even if PGF.UN increase in value today. After loosing so much money with Sprott Inc. (SII) and Timminco (TIM), I didn’t want the same story to happen again. So I sell PGF.UN. And truly, I don’t regret it because this awesome move had saved our dividend annual income. Awesome! I am actually really proud of that. And I would be even prouder if I could find any cash to invest in BRC.UN.

And what’s next?

Job searching! Cleaning, cooking and laundry. And a visit to my PO Box. Overtime… I want today at the RBC of Ville-Marie downtown Montreal, but something happen during the afternoon at Ville-Marie and the RBC Bank was close. I cannot wait to pay of my RBC Credit card. I have 469.10$ to pay off. By the end of October, I will be credit card debt free.

Job searching for the money

I work on my French resume and I probably begin my job search right today. I wake up early today! It’s currently 8:38AM… I might be very motivated by something…. Might be the money lol. I need cash to bring some 100 units of BRC.UN in my portfolio. I want those!

Yesterday, JE.UN close at 13.98$ when I had purchased 200 units at 13.84$. I made a little profit right here in just in a day. I am happy that all those transactions are now over. Feeling better now, but it make me laugh because since I sell, PGF.UN price continue to rise… until 10.71$. I could had made an extra 475$ in profit if I would had sell at that price but anyway, I will say that life not just all about money. I guess some other investors might had done the same thing as myself.

I cannot wait for tonight to come, as I am expecting a big paycheck of at least 1 100$. After what, tomorrow I will be able to pay off my RBC credit card, a major part of my CIBC Visa and maybe just the minimum payment for my TD Visa. I will pay as much as I can, but I need to keep 200$ in my pocket for my next month as I don’t know if there’s overtime available.

I saw colleagues of mine who really have enough of that job as their vacations had been refused. I never asked for vacation and I am close to the 2 000$ in vacations pay. I would like to cash in the money – or leave the vacations money there until I leave and cash it out… But at a point, I feel I might need, someday, those vacations lol.

Anyway for now, what I have enough is that there is no ventilation and its smell and its too hot. But most of the time, its relatively ok. For now, I am job searching. I would like to find something in my field and if not well, I will continue the way I am.