American Express credit card is a girl best friend: super promotional interest rate of 0.99% for one full year

I went to a shopping trip to Quebec City. I needed a pair of boots but I didn’t get them because everything was full price and it didn’t worth it from my perspective. But today, we got our first snow in New Brunswick and I regret not buying a pair of boots, even full price.

Anyway, great news is that American Express is going to help me to get a decent pair of boots. For all purchases made between November 30, 2011 and November 29, 2012 on my American Express credit card, I will get the special interest rate of 0.99% until December 9, 2012. This involved making the minimum payment every month on the American Express. But for the balance left, the rate will of a very fantastic 0.99%.

Don’t you find that 0.99% is pretty much close to the 0%?

I do.

I am just going to get the strict stuff I need and that’s all but still, I very happy to be able to benefit of an opportunity to shop and look dividendly lovely. Just like that. I rock this place.

What happen when the Canadian stock market decided to flush me... I flush too

Today, we had our first snow in New Brunswick. On the same day, the TSX lost more than 200 points to establish itself to a very poor 11 571.71 points. I know, that’s hurt.

Major part of me turn around stocks, the stock market, my personal finance. So when the TSX down it’s all me that is down too. However, I can easily detach myself from what happen on the stock market despite being 100% invested. Despite being 100% there. My biggest mistake could turn out to be to have no cash, no savings in term of real cold cash left at the bank. I manage my budget dollar after dollar. Maybe in another life I had been a very brilliant accountant. Maybe.

Biggest part of my savings no longer belong to me. Over the year, I invested thousands and thousands of dollars on the Canadian stock exchange. I never doubt of what I was doing. I never doubt of myself. I never doubt of my investments. Never. Each time a stock of mine drop in value, it’s a surprise. And trust me, that happen more than once.

I am never scared of losing my money. That’s in reason of my relationship to money. Money is not a problem to me. That’s probably why I don’t mind holding more close to 90k in debt. Money paid my bill, but it happen that all of my life, I always had more than needed and at a point, I find all of that investment hobby very interesting. And what if I could eventually make a living from my dividend like Derek Foster?

It’s a real good thing that he’s married because it’s the only reason why I leave him alone.

LOL.

See, that idea quite of obsess me since 2007. In my 5 years of obsession, I trade and trade, buy stocks, sell stocks, got in all the directions. Since 2007, my passion never stops growing and it’s not now, because of a stupid economic situation that I am going to stop now.

The stock market? I control it (or almost). It’s in my mind. It’s in my Dividend Girl spirit.

I know I know I know! :0)

If you ever think that I am going to stop now, you are wrong.

Wow, I don’t quite get what’s happening like right now. It must be what I had eaten for supper. It’s name magic mushrooms.

LOL.

In case you want to know, my always fabulous non-registered portfolio closed today at 107 947.50$ and I am going to stop here because I have an idea for another post.

Review of Derek Foster newest book The Worried Boomer: No Pension? Not wealthy? Here’s your plan!

Derek Foster 6th book is the direct continuity of his first book, Stop Working.

But this time, 6 years later, Derek Foster is taking a different path. For people who had problem to manage their money, Derek Foster had included financial exercises of the like of those proposed by Gail Vaz-Oxlade, author of many “debt books”, including Debt Free Forever. I would like Derek Foster to skip that boring part to really deliver exclusively at what he does best: stock investment.

If you want my point of view, someone how cannot manage its own money have a long way to go before being able to invest. Derek Foster should leave the manage-your-money-and-debt part to authors like Gail Vaz-Oxlade who don’t really have anything to say when it comes to the real stuff: investment. Because if you are wise enough, you’ll become quickly rich by closely following Derek Foster moves. I may not be rich yet, but I can push the vanity to write that yeah, I, the Dividend Girl, well, I have a net worth of close to 70k. And 70k is quite a lot of money! And don’t forget my 7k in annual dividend income that I should hit by the end of 2011...

If you are intelligent enough, you’ll get Derek stuff pretty quickly and his stuff will blow your mind.

Derek Foster first book had been published in 2005. I only read Derek Foster Stop Working master piece in 2007-2008. Following what, I start investing in stock and my portfolio seriously starts growing. I won’t denied, I had lost money on the stock market. I did day trading, I trade silver like if it was bananas, I over trade... But great news, I still have that close to 70k in net income and I am currently experiencing a capital loss of somewhere of 8 or 9k. For all the risk I took, I find myself extremely lucky to be just behind of 9k or so. But if I would had simply follow Derek Foster advices, I wouldn’t have experience of a capital loss of 9k or something for 2011. Maybe just 7k. I never took time to calculate but I should, of course. Overall, I don’t have any problem to follow the pulse, I accept my mistakes.

I am a serious type of girl but nothing much scared me, and especially not the stock market. In life, I do what I want. Let say that I had paid the price for being an adventurous investor-gambler. BUT – because I am now back in track, because I kept investing every month in blue chips, because I had read Derek Foster latest book The Wealthy Boomer (!) now more than ever, my chances to recover from my mess are actually pretty good. But of course, I need to have the stock market by my side. I will only be able to move on in a good stock market condition. If not, I have all the rest of my life to work on this and recover.

Otherwise, Derek Foster 6th book is not very different of his other books. However, it definitively worth the reading because even I miss-know-it-all learn some great new stuff by reading The Worried Boomer: No Pension? Not wealthy? Here’s your plan! In the past books, if I am not mistaking, Derek Foster had mostly cover stock investment. In The Worried Boomer, Derek Foster covers some other investment products that can help investors to, if not, retire early, well at least earn a few extra pennies and enjoy life while still being on a 9 to 5 lifestyle.

The only thing that is missing is an update of Derek Foster portfolio. THE DEREK FOSTER PORTFOLIO is more than an ordinary portfolio. I build the most part of my fortune on stuff like PPL, ENF just to name those 2. PPL and ENF are Derek Foster stocks. Usually, Derek Foster publishes at the last pages of his book an update on his portfolio. Unless I am mistaking, Derek Foster is not talking of his portfolio in his newest book and that is quite dramatic. Forget about all the blabla on debt and on how to manage money and spending... I don’t care!! What I want is the real deal. What I care about is to know on what Derek Foster is currently holding to in order to generate an income to support his family.

Also, in this new book, you’ll find be please to learn that Derek Foster is the proud father of a baby girl. I remember that picture from the Toronto Star where we had an article about Derek Foster with a nice family picture of him, his wife and their 4 little boys wearing sunglasses. Derek Foster daughter is now 3 years old.

And no, I won’t tell you more about anything related to the content of the book, but you can always buy it here.

Welcome in my non-registered Enbridge Inc. (ENB)!

Today, the TSX crash again. Personally, whenever the TSX lost more than 200 points in a day, well, I can that kind of events more of the like of a stock crash rather than just the market volatility. Today stock crash was the first thing.

Secondly, I finally invested in Enbridge (ENB). I invested a bit less than 1 000$ at 35.34$ per stock. ENB closed the day at 35.93$, which is quite good. I really like it when the stock I invest in suddenly decided to grow just because I am now in.

My non-registered portfolio closed today session at 109 704.45$. I am below the 110k mark, but whatever.

Third thing, I had received today Derek Foster new book The Worried Boomer: No Pension? Not wealthy? Here’s your plan! I almost complete the reading in one shoot because I really wanted to know what this new book was about. Now I know. I will certainly give it a second more in deep reading. I learn a great deal and PLEASE, check it out at page 103, you’ll learn something very awesome for your RRSP. Just for that new founding, it really worth it for me to buy The Worried Boomer.

Fourth thing, tomorrow is FRIDAY.

Fifth thing, have all a good weekend and don’t feel too bad about the stock market crash of today.

:)

Show me your money, I will show you mine

What look at first be a bad market day turns out to be quite a good day after all. My now famous all over the world non-registered portfolio closed today session at a fantastic 110 240.17$. At this point, if my non-registered portfolio can exceed the 110k, I will be just pleased with that.

I had invested every single pennies I own just to be on top of everything and right now, I am on top of world. Or kind of.

In just 2 days, I will be investing again! So far, I am pretty set to move into the grove of Enbridge (ENB). For the past couple months, I had been quite careful with my stock picks. I had been quite of an adventurous investor. It’s difficult to focus on blue chips because in the immediate, the dividend is boring and the stocks not very exciting BUT reward could come later.

I can easily see myself hitting the 200k by the end of 2012 if 2012 turn out to be better than 2011.

I am no longer in front of my laptop during daytime so I need an extra reliable portfolio that I don’t have to worry about. So hitting the jackpot by buying extra boring blue chips is what I am doing at this time. But believe it or not, it haven’t been this great since I got a taste of hell in August 2011. A taste of a completely retarded stock crash. Some will have to pay for that and it’s not going to be me. Like Ffffffff offffffffffff. It’s simply not going to happen the way it was meant to be. So be ready! :)

Experiment the power of nickel with DNI Metals Inc. (DNI)

DNI Metals Inc. (DNI) closed today session at 29 cents, for an increase of close to 30%. I made my initial investment in my non-registered portfolio on June 2009 of 23 000 stocks at 3 cents of the old Dumont Nickel (DNI). Dumont Nickel had become DNI Metals Inc. (DNI) following a restructuration. Following the transformation into DNI Metals Inc. (DNI), I transferred what I had left of DNI into my TFSA.

From the start, I knew that I was going to make money from this stock, but the strategy change among the way. At first, I wanted a quick buy-and-sell scheme. I wanted a 200$ profit to have extra money to spend for the summer. 200$ is not that much, but I wasn’t really looking for more. In the month of June 2009, for whatever reason, DNI make a nice little jump. So I taught I could easily make a profit from that one. But...

I was 28, wild as I am now, I wanted a profit, but I barely knew what I was doing.

Not that I am much better now, but I learn a few things among the way.

Because see, DNI is the kind of stock that jump a couple of times during the year for no special reason. That being a couple of times a year ONLY. The trading volume on DNI is very light. It’s extremely difficult to make a quick buy-and-sell deal on this one for that reason.

In June 2009, I became a trader. I wasn’t an investor anymore.

And in June 2009, I didn’t know what I now know.

I happily bought 23 000 stocks of DNI in June 2009 without knowing what I was doing.

However, I turn out well. Fact is, DNI Metals Inc. (DNI) turn out to be an interesting company to hold, especially inside a TFSA. Previously this year, DNI jump to the 40 cents per stock. But when it happen, I decided to hold. It was clear for me that I could make much more than 40 cents per stock on DNI. As for now, DNI is under the 40 cents, but I am confident that DNI could became a dollars stock soon instead of a penny stock, meaning DNI could eventually reached the 1$ per stock in a matter of if not months, a couple of years. I have all the time of the world and I am certainly not in a rush to sell my precious DNI Metals Inc. (DNI) stocks. From penny stock to a dollars stock, DNI can make it!

My investment portfolio on date of November 11, 2011

Savings:
240.17$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 355.37$
Timminco (TIM): 46$
Blue Note Mining (BNT): 32$
Bank of Nova Scotia (BNS): 5 547.96$
Hanwei Energy Services (HE): 39$
Methanex Corporation (MX): 2 516.29$
Fortis Inc. (FTS): 3 622.32$
Pembina Pipeline Corporation (PPL): 12 474.66$
Just Energy Group Inc. (JE): 7 184.84$
Pengrowth Energy Corporation (PGF): 2 337.04$
Enbridge Income Fund Holdings Inc. (ENF): 6 656.60$
Corby Distilleries Limited (CDL.A): 1 833.40$
Davis + Henderson Corporation (DH):
3 517.50$
Premium Brands Holdings Corporation (PBH):
6 881.16$
EnCana Corporation (ECA): 4 198.32$
iShares S&P/TSX Capped REIT Index (XRE): 2 279.20$
Horizons Gold Yield Fund (HGY.UN): 2 046.26$
Canfor Pulp Products Inc. (CFX): 1 209.10$
New Flyer Industries Inc. (NFI): 1 237.60$
Exchange Income Corporation (EIF): 6 425.26$
Rogers Sugar Inc. (RSI): 1 624.47$
Student Transportation (STB): 1 216.80$
Colabor Group Inc. (GCL): 2 196.72$
TMX Group Inc. (X): 4 555.32$
Data Group Income Fund (DGI.UN): 2 356.62$
K-Bro Linen Inc. (KBL): 2 084$
Westshore Terminals Invest Corp (WTE.UN): 4 780$
WesternOne Equity Income Fund (WEQ.UN): 2 485.20$
Atlantic Power Corp (ATP): 3 171.70$
First Majestic Silver Corp (FR): 1 751$
Kinross Gold Corp (K): 2 163$
TransCanada Corp (TRP): 1 020.25$
Canadian National Railway Co (CNR): 2 423.40$
Firm Capital Mortgage Investment Corporation (FC): 514.80$
Sprott Strategic Fixed Income Fund (SFI.UN): 477$

TOTAL: 110 260.16$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 512$
US cash: 4.12$

TOTAL: 2 516.12 $ US

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): 25.17$
Dumont Nickel Inc. (DNI): 632.50$
Sprott Physical Silver Trust UTS (PHS.U): 3 253.80$
Cash: 3.08$

TOTAL: 3 914.55$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 644.08$
Claymore Gold Bullion ETF (CGL): 5 424.90$
EnCana Corporation (ECA): 2 058$
Emera Incorporated (EMA): 6 811.56$
Sprott Physical Silver Trust UTS (PHS.U): 1 084.60$
Cash: 124.25$

CIBC Dividend Growth Fund: 538.85$
CIBC Emerging Markets Index Fund: 340.09$
CIBC Monthly Income Fund: 1 058.79$

Energy and Base Metals Term Savings (Indexed term savings):
577.30$
Natural Resources Term Savings (Indexed term savings):
502.06$

GIC National Bank: 1 219.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 593.08$
Manulife Simplicity Growth Portfolio: 866.09$
Maritime Life CI Harbour Seg Fund: 1 042.13$
Maritime Life Fidelity True North Seg Fund:
1 002.21$
Manulife GIF MLIA B World Invest: 602.44$

Great-West – various: 1 834.72$

RBC Canadian Dividend Fund: 533.88$
RBC U.S. Mid-Cap Equity Fund C$: 1 969.91$
RBC Global Resources Fund: 1 082.40$
RBC O'Shaughnessy International Equity Fund: 594.67$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 167.31$
RBC Global Precious Metals Fund: 952.15$

TOTAL: 39 125.17$

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

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(137.39$):
156 233.56$

My one day trip to Quebec City

Yesterday, I was in Quebec City! It was a one day trip that went off really too quickly. We went at the Place Laurier and went to the other mall there’s there, Place Ste-Foy and Place de la Cité. Fun, but shopping was difficult. There were so many things to see and doing it all in a couple of hours only was too much asking. It has been a little while since I went to Quebec City so I barely remember how the malls were. In my memory, there was 2 malls one behind the other, not 3. The third one actually look pretty new, so it could be a new mall. It has a huge Gap store and also an Apple store. The pictures I took from my iPod are not that great, but I am posting anyway.

Also, while being in Quebec City, I notice in a store that Mariloup Wolfe, a Quebec actress was going to be at a specific store in the afternoon. Too bad, but I could not relocated the store when it was time. lol!

I didn’t need anything expect a good pair of boots. The boots I spot were about 350$ after taxes. So I went to the girl and said if you make a rebate of 50$, I will buy those boots right away. Unfortunately, my offer had been refused. But I gave it a try! The girl didn’t give me a funny look, but I guess it’s not everyday that she received that kind of offer.. YEAH. But that’s not the most hilarious thing.

Fact is, I find 350$ too expensive. I could have bought a pair of boots whatever price they were. But 350$ was kind of too much. I have a special foots condition and I cannot wear any kind of shoes. The shoes need to be as comfortable as running shoes. For my work shoes, I got in Montreal way back Naturalizer dressing shoes. I pay 70$ for them and I can wear them every day without hurting my foot.

I wanted a pair of boots from the same brand, but unfortunately, there wasn’t a Naturalizer store like in Montreal. There was some Naturalizer at La Baie but they were not what I was looking for. I try different pair of boots but they were not soft in the inside and I knew they were going to hurt my foot. So I didn’t purchase any boots.

I went shopping like I wanted to buy but I didn’t find any bargain. I was lucky in August because there was a lot of sales. It was the perfect time to shop in Montreal but at this time of the year, it doesn’t really worth it to shop and buy.

However, me and my mom stop by the Body shop store where I bought some stuff for my hair. My mom bought herself a pair of boots. I bough myself some cute earrings, but just one pair:

That's a part of the Dividend Girl pretty face you are seeing in here... I know, you probably just curious to see more right? But that won't happen!

I also got some chocolates, 1.35$ a piece:

The day went fine. They received snow in Quebec City yesterday.

Shopping trips are great, but doing it in one single day is a challenge. Also, the timing was not that appreciate, personally speaking, as I never pay full price for clothes. But it worth to go there for the 26 of December and if possible stay a couple of days to go to the île d’Orléans and also visit the Old Quebec. One day is definitively not enough and you leave while wanted more. Actually, that what happens to me. However, my 2 ways ticket was cheap, less than 50$. I don’t take trips really often.

Oh, and this is the hilarious part. Before leaving, me and my mom went to the Cage aux sports for a beer and my mom asked to be serve right away because we had a bus to take lol... You should have seen the girl... Priority service for those people coming from New Brunswick please!

The place wasn’t full, but there was a football game going on and the waitresses and waiters were busy. We wait, but then I notice the bar so I went directly. We drank our beer quickly and on the way out took the wrong direction, went out, and went the bus stop.......

We got St-Hubert for supper. We don’t have any St-Hubert restaurant here in NB, at least not in my town. We don't have any Body Shop stores either. So this was a little trip that was fun to take.

Radio Radio Cargué dans ma chaise music video

One of the Atlantic hottest band, Radio Radio, just launch today, on this mystical date, 11th day of the 11th month of 2011, their latest music video.

At first, it could seem strange for a band to launch a video on Remember Day, but knowing the Maya theme of the video, the special date of today just perfectly match with the vibe.

You had been reading in English a blog wrote by a real NB French speaker. Good. But are you ready for Radio Radio now? That's what we're going to find out. Be ready..

Remember the date: 11th day of the 11th month. The year? 2011

 

I went to the remembrance ceremony this morning. It was quite cold, but at least, there was no snow. You can check it out on the pictures I took. The TSX is open today. My non-registered portfolio is hitting the 110 535.19$! That’s very good actually!

And I have a major announcement to make!!!

I had hit the 6k in dividend income so far for the year 2011!!!!

Yeahhhhhh

And the best is that next week is pay day so I will have some cash to invest. So another investment(s) is/are about to join in very soon! It could be interesting to add some Canadian Tire Corporation (CTC) stocks in my portfolio. I think it could add diversification. And I also wanted to invest in Potash Corp. of Saskatchewan (POT).

For December, I could easily see myself invest in Enbridge (ENB) and also in Bell Aliant (BA), but we’ll see.

Following what, for the first time of my life, I will be more or less out of investment stocks idea. It will be the perfect time to pay off some debt... or go shopping.

And talking about shopping, I am going tomorrow to a shopping trip to Quebec City. I need a good pair of boots and a pair of earrings. And I am sure, I will get some other stuff.

Remember, money had been made to be spend.