Future new comers for my portfolio. Be ready.

I was glad to see the TSX on the 12 000 points mark. And it seems it will remain there for now. My non-registered portfolio closed today session at $121 577.82. I now have the new TD Waterhouse template display in my account. So I can tell you that my non-registered is at -3.02%.

I have $51 709.54 of money used on margin and on date of yesterday, I have $14 427.60 left on the margin. The numbers are not so bad. I am looking to decrease my margin at 50k and on the long term, 45k.

Yesterday, I have send a request online asking TD to increase my credit card from 8 to 16k. I will use the 1.99% promotion on credit card balance transfer to pay half of my RRSP loan and use the rest of the money to invest. Fact is, RRSP loans are not eligible for tax credit. I had been carrying that loan for quite a while and I would like to see it out of my face, even partially.

The stock markets and both US and Canada are getting better and from what I read, analysts are confident that we are just going to rock it almost like in the before 2008. I read very optimistic review, maybe even too optimistic. Anyway, I decided to follow the flow and I have many stocks I want to invest in.

Here are my wanted stocks list:

Central Fund of Canada (CEF.A). Gordon Pape talked about CEF.A in one of his latest article. I find it a great way to invest in gold and silver. By investing in the Central Fund of Canada, you are getting into a diversify product, and not only in silver or gold, but a mix of both and even more.

Labrador Iron Ore Royalty Corp (LIF). The Maritimes are the home of the Dividend Girl but not only that, they have some good companies to invest in. Labrador Iron Ore Royalty Corp (LIF). The dividend is not much, but a Maritimes stock will bring in luck ion your portfolio because hot and smart chicks like myself can only come from one place on earth: the Martitimes.

Black Diamond Group Ltd (BDI). I discovered this one all my myself (just too smart) by entering in the letters B-D-I. And there I got Black Diamond popping out. I like this one, don’t ask me why. The Web site of the company look a bit underground, like kind of old. I like it and it just keep my interest in the company. Just like you and pink blog... Simply Irresistible.

I have a long term love story with Jean-François Tardif. I first invested in Premium Brands Holdings Corp (PBH) when the company was still, if I remember correctly, a .UN company. Ever since, the investment perform well in my portfolio. So now, I am looking forward to get a bit more of Jean-François Tardif in my portfolio since I cannot get him in my bed.

LOL.

BAD and DCI – both on the TSX are stuff that I am looking into.

As you can imagine, it take a great deal of cash to keep myself going on the market. At this time, I would like to pay off my RRSP loan and continue to invest in my non-registered portfolio because its the only way how I will be able to get a + instead of -.

Say No to spending

I am slowly getting back on track. I went from a 118k to a $120 412, Oups no no, $120 412 AND 48 cent. Not so bad. My margin is at $51 530.06. Now that my American Express is paid off, I would like to see my margin at not more than 50k. I might be able to do so by the end of January. With December coming in, I have a bunch of expenses to take care of. But even worst, when I checked out my MasterCard not even 2 days ago, I had ranked something like $1 100. Problem being that my expensive of my little trip in New Brunswick add on to the everything else. And my looking a bit more closely to the operations, I had been spending on eating out, movies, coffees, beauty products, etc... The list is long. Way too long. But the good news is, I am done with my Christmas gifts. I am actually just missing one for my grandmother as I feel cheap to just give her a boring chocolate box. I saw those nice lotion at Occitane or some name like that and I may buy something out. What I spot is like $37. That will be the last of the last gifts. But just to make things worst, my brother may come visit me this weekend and if he does, I will have to show him around and that include of course more $$$ if you see what I mean. But that’s life. And just to make things really worst, he’s probably just going to let me know at the last minute if he’s coming or not. 

I always been careful with my spending, but now it seems it went a bit out of control. So now I am aware and I am watching more carefully. The most important part being to eat breakfast home, get the morning coffee home, do my lunch for work, bring an apple or two and ONLY get ONE coffee during the day. I need to get back in that routine and stop fooling around. And I may even leave my MasterCard home. Montreal is unfortunately a beautiful TEMPTING city for EVERYTHING. LOL. Try to live a frugal lifestyle in Montreal, you’ll see, it’s very tough as Montreal is hot hot hot.

I usually see me credit card going from $500 to $700 monthly, generally speaking. If I can work carefully on my spending like I was going before, I will be back on track. I am just happy to have a few hundreds kicking in each month with my dividends. That will save me for the month of December. And for 2013, I will be more careful. I don’t know how it will turn out with my current job. It’s a job among the most stressful I never had in my life and for sure, I won’t cry if I get kicked out of the place. I will do just like last time, I will pursue the employer and earn a few thousands. Just like before. Going to court is among the most fascinating experience. 

Lawyers play it cool and its kind of a real joke knowing the amount of cash people are ready to put on them. You need to be a complete jerk to give away thousands to a lawyer. Keep it simple. you are authorized to defend yourself in court. F the judge and the system and go there by yourself. And when you go, I want you to have a hard figure. Don't ever smile, have a face to kill your enemy. I defended myself alone and it was among the best decision of my life. No need for a lawyer. The do-it-yourself scheme is much much better and much sexier too. Imagine a chita defending herself alone in front of a judge and the lawyer of the other party. I mean, come on, there’s nothing more sexier. Now you know that I am sexy. Good night.

One day, you'll be as smart as me and maybe even a bit more.

And how about a $12 special dividend by McGraw-Hill Ryerson Ltd. (MHR)?

I just add a new page to my blog name My Monthly budget. Now that I clear off my American Express because their wonderful 0.99% interest rate had come to an end, I want to control my expenses so I can just invest MORE MORE MORE. I have to stick to that budget.

I only have 2 Christmas gifts to purchase. Once my bus ticket will be purchase, I will be pretty close to the $600 in expenses. Now you know why hot chick needs the dividend cash flow. I NEED IT AND I WANT IT. Lol.

Yesterday when I checked my TD Waterhouse account, my data appears differently. I could see in an instant on which investment I did very good and on which I have done very bad lol. And when I checked again today, I had the old display in my portfolio. The only thing negative is that you can only view the account value in real time. The past market view seem to have disappeared. Anyhow, I prefer the new view, it provides more data on how good and how bad the portfolio is doing. In my case, my overall non registered portfolio is at a MINUS 6%. It’s not so bad knowing the market situation. Even my Fortis (FTS) went down a little.

Now is the perfect time to invest in blue chips like TD bank, Fortis, all those good stuff. Now is not the time to invest in volatile stuff like Sprott (SII), Just Energy (JE) and the other ones name by a reader in a previous comment. Now is the time to secure your portfolio.

This is quite funny and interesting. Ok, here at the Dividend Girl we have invested in HRX ONLY to  get our hands on the 5$ special dividend which was just TO HOT just to get away without it. So I invested in some stocks of that company and now, guess what, McGraw-Hill Ryerson Ltd. (MHR) is joining the POW-WOW by offering NOT $5 but $12 per stock in form of SPECIAL DIVIDEND. I am in for a $500 investment. The stock seems to be strong and offer a strong value and what else can I say if not that I AM IN BABY. I am in.

And to be in you have to invest in McGraw-Hill Ryerson Ltd. (MHR) at least 3 business days BEFORE November 27, 2012. To be sure of the limit date to invest in MHR, contact your broker.

Personally speaking, MHR will bring in it something new around because I don’t hold nothing really in term of publishing if not Data Group.

Thanks to the blogger Not working for the super hot tip.

My American Express credit card balance is about to be paid off REAL soon

I wasn’t expecting the money so soon, but I actually received the money of my provincial court appearance in New Brunswick. I received a cheque, which I am going to do a photocopy of a frame as a souvenir that well, you know, I am a fighter and you truly don’t know me. I am might had scared them to death. The other party was represented by a lawyer, I wasn’t. But it’s not because I didn’t have a lawyer that I was to let it go. In my world, you need to give me what I want. And what I want is what I get. LOL. 

This is great because I am going to have enough to money to pay off entirely my American Express. I have that special interest rate at 0.99% good until December 7. I am going to pay it all by the end of the week. I am waiting for a paycheck this week, so I am even going to have a leftover to put on my margin account.  

These days, the stock market is very rough. I did a risky investment move in Héroux-Devtek Inc. (HRX) earlier this week, but I don’t regret it. I was very aware from the start. Special dividends are the invisible diamonds that I wear every single day. How in the world can a girl, especially a Dividend girl by the way, resist the temptation of receiving a 5$ special dividend? Explain please. There’s no explanation to be provided, you must know the girl by now. It’s kind of wild, isn’t?

My investment in Héroux-Devtek Inc. (HRX) will provide me close to $300. It will barely be enough to cover my Christmas gifts, my bus ticket to New Brunswick and Gravol pills for the run. Its feeling great to be able to clear up the balance on my American Express. Their 0.99% interest rate for one year or something like it was very generous. Thank you, American Express credit card!

My money problem is quickly being resolved. I will be back in the investment game in December! One thing doesn’t wait for the other one. At this time, I want to secure my portfolio. The only way to secure it would be to pay off that 50k margin that I have on my non registered portfolio. Nicely said, but do I only earn 50k in a one year salary? The answer is NO. Until I married a rich man or until I finished dead rich – until that time – we’ll have to take it one step at a time. I always had been an extra lucky girl. I even should get a few bucks from my freelance work by the end of December. My American Express is my only consumer debt. Being able to get rid of it is a blessing. What I need now is a few more weeks (not to say YEARS) of full-time employment work and I will be just fine. 

In other words: don’t expect me quitting the workforce anytime soon.

Bye for now.

Welcome in my portfolio Héroux-Devtek Inc. (HRX)!

I made my move this past Monday morning when the stock was at more than $13. It hasn't been even 3 days that Héroux-Devtek Inc. (HRX) closed down. This is a tricky one. Its probably my last risky investment... I wouldn't like be sitting in your place right now. But at the same time, being a Dividend girl reader = lot of surprises among the way! ahah

In case you wonder what I am doing blogging during daytime, I am not fired yet, I am on my laptop enjoying a one hour + 15 minutes lunch.

I have my American Express to paid off my December 7. I have like $2 700 to clear off. I still have a bit of time. While being in this mess, I totally forgot the most important thing of all: welcoming Héroux-Devtek Inc. (HRX) in my portfolio. So there you go Héroux: WELCOME in my portfolio Héroux-Devtek Inc. (HRX)! Come on in, gave me my 5 bucks per share and make me happy :)

The stock market is not doing well at all. That's why I bring my laptop with me this morning. I wanted to take a quick look at things. Europeans have problem accepting the fact that they will have to live the next few years on an austerity mode. Is Canada any better? Harper government is sooo uncapable of anything. And while our deficit is growing under the power of that jerk of Stephen Harper, the TSX is going down.

I Promise I won't play the stock market ever ever again.

Héroux-Devtek Inc. (HRX) declared a special dividend of 5 bucks per share

Looking to make a quick and easy $500? I may have exactly what you need.

I didn’t know about this company until 5 minutes ago. It’s quite a benefit to be bilingual. I just completed the reading of an article of La Presse published online. You can read it here. In that article, we learn that Héroux-Devtek Inc. (HRX) occupies the third rank in its industry (f landing gear systems), that the company did very well lately and that, best of all, the board of directors had decided to be extra generous, maybe even too generous, by giving away $5 per share in special distribution.

Being a business owner, I wouldn’t be that generous. But what the heck, Quebeckers can be sooo strange with no logic at all and I think they are more than well-known for their extremely poor judgement. And we, ladies and gentlemen, the very bright Canadians, its our duty to take advantage of the stupidity of our enemies. Just go for it.

So here’s how to make a quick $500: Invest in 100 stocks Héroux-Devtek Inc. (HRX) at least 3 business days BEFORE November 20. I recommend investing in Héroux-Devtek Inc. (HRX) by November 14 the latest. I highly recommend contacting your broker in order to not to mess out with the deal and just to make sure that November 14 is a good date to qualify for the special dividend. The date you invest in HRX is super important; it will determine if you qualify or not for the special dividend.

Am I going to invest in Héroux-Devtek Inc. (HRX)? Well, you must know me by now, special dividend is kind of being my thing and yes, of course, I am going to invest in Héroux-Devtek Inc. (HRX), a company that decided to blow their money in the hand of their investors by paying a terribly high $5 per share.

I don’t know if you are getting it at this point, but this is how to make an easy $500. Here’s the trick: invest in 100 shares Héroux-Devtek Inc. (HRX) by November 14 (that date need to check with your broker PLEASE), hold the investment until November 21. You ABSOLUTELY need to hold Héroux-Devtek Inc. (HRX) the whole day on November 20. That’s super important. If you want to quickly sell Héroux-Devtek Inc. (HRX); that will have to wait until the morning of November 21. 

Following what, on December 19, you’ll received a fantastic $500 in cash! This is super important: if you have an automatic DRIP for everything that you have in your account, follow the following. Following the purchase of your 100 stocks of HRX, once the purchase operation is completed, call your broker and ask them to remove the DRIP exclusively on the title of Héroux-Devtek Inc. (HRX). Why? If you don’t do so, the 500$ earn in term of special dividend will simply roll over and DRIP. And trust me you don’t want that to happen because between you and me, you are in EXCLUSIVELY for the cash, not for extra shares!

Christmas is coming and an extra $500 is just what I need to pay my bus ticket Montreal-X town in New Brunswick and for a few gifts for my old folks.

Got it now? LOL. This is how to make easy money on the market. The Héroux-Devtek Inc. (HRX) title appears to be quite volatile. I will try to sell off the investment as soon as possible by setting an automatic sell order. 

WARNING: be aware that things could get complicated and you could get stuck with Héroux-Devtek Inc. (HRX) following November 20, even if you set up an automatic sell order. Problem being that starting November 21, HRX could trade at a lower value than what you actually paid the investment for. See what I mean? That’s part of the game.

You know my financial situation. I am 100% investment. I do not hold cash. I live paycheck per paycheck and I actually have a balance of $2 700 on my American Express at 0.99%. That 0.99% was a special offer that’s going to expire on December 7. 

Just to make it shorter: I don’t have fresh new cash available.

However, I have an option. Now that I have a permanent job, I could possible asked TD Visa to increase my limit to $10 000. That will give me room to transfer the $2 700 I have on my Amex over to TD Visa. The best part being that TD Visa currently offers me 1.9% on credit card transfer. Kind of nice, isn’t? So if that work, I am going to invest in 100 stocks of Héroux-Devtek Inc. (HRX) following (this week is payday at work). If my plan doesn’t work, I am only going to invest in 50 shared of Héroux-Devtek Inc. (HRX). 

And to tell you the true, I feel much more comfortable going on with a 50 shares rather than 100. But between getting $250 or a free $500, I prefer the free $500, thank you. Free money is never enough.