I had
set up an automatic purchase order in the morning of December 31 to get my
hands on some Black Diamond Group Ltd (BDI) shares before the end of 2012...
And now, I am a proud Black Diamond Group Ltd (BDI) investor. Be ready, 2013 is going to be hot hot hot!
Today
was a very relax day. I was working yesterday until 6 pm. I haven’t anything
plan for the New Year. Each year, there’s something going on in the Old
Montreal, so that’s where I went. I didn’t want to stay outside from 6 to
midnight – 4 hours outside in the cold weather. So after done with work, I went
to the movies and I saw This is 40. This is 40 is a nice comedy. A dirty one,
but a really nice one. I have a couple of good laughs. I truly recommend, it
worth the $12.99 ticket.
After
the movies, I went to the Old Port and walked around and I finally stopped
close by the stage where a band call something like Rafi was playing. The band
was really good, but I couldn’t wait for midnight to kick in. I WAS COLD. I
have a good pair of boots, but despite it all, my feet were cold.
Midnight
finally kicked in, hello 2013! And then the beautiful fireworks, very nice and
then I walked my way back home as quickly as I could. I could no longer stand
myself in the cold weather. Today I was off and I stay all day in ALL DAY in my
pyjama counting my money...
As you
can see, I update my portfolio and my debt situation, so we have in the result
for the year end of 2012. My non-registered portfolio closed the year 2012 at $122
421.19, for a book value of $125 147.65. I am experiencing a loss of -2.18%.
So far
for 2012, my dividend income is of $7 714.78. I am saying so far because I am
just missing a few dividend payments for December 2012, like iShares
S&P/TSX Capped REIT Index (XRE).
My net
worth is of $87 633.44. I hold $78 010.31 in debt. The interest own on the
money is of $3 086.11. Of that interest money, I have a $342.99 interest on my
student loan, which qualifies for a tax credit. I also have $2 591.12 in interests
that I can declare for a tax credit because the money was used for investment
purposes. So to talk roughly, I have a $2 934.11 that I can and will declare
for tax credit.
Overall,
I don’t care if you agree or disagree with me on the point that is about to
follow, but if I add my dividend income and my tax credits, I am making a
profit of about 6% for 2012. Can anyone do better than that? I doubt. You won’t
find any better on the whole Wild Web. I am beating the TSX index ONE MORE
TIME. With everything that is going on in the US, (and even Canada), and
especially for the Euro zone, I mean, 2012 was a difficult year. However, I did
some very smart investment moves, like in Agrium Inc. (AGU) and Chorus Aviation
Inc. (CHR.B).
A
couple of months ago I received a voting package for AGU, asking if I wanted to
sell some of my shares for something like $90 or something. I taught it was a
joked. AGU baby, do you really think that I am that dumb and leave you alone
out of my portfolio? I just ignored the paper. I spoke to a nice lady of TD Waterhouse
regarding this situation. Even if it was in French, I couldn’t understand what
the paper was about, but she explained it to me. A sell offer for AGU? ARE YOU
CRAZY? AGU is among my best stock performers! It’s not anytime soon that I will
let it go.
Thanks
to my mommy, I have a clear mind and I can distinct – most of the time – a good
move from a bad one. AGU will remain in my portfolio as long as I want.
In 2012
like for the past like what, 5 or 6 years now, I have invested in new stocks.
Here’s a list of my new stock comers for the year 2012:
Canadian
Utilities Limited (CU)
Veresen Inc. (VSN)
Chorus Aviation Inc. (CHR.B)
Veresen Inc. (VSN)
Chorus Aviation Inc. (CHR.B)
Crescent
Point Energy Corp (CPG)
JFT Strategies Fund (JFS.UN)
Keg Royalties Income Fund (KEG.UN)
JFT Strategies Fund (JFS.UN)
Keg Royalties Income Fund (KEG.UN)
Geovencap
Inc. (GOV)
Healthlease
Properties Real Estate Investment Trust (HLP.UN)
Bombardier
Inc. (BBD.B)
Heroux-Devtek
Inc. (HRX)
Black
Diamond Group Ltd (BDI)
I am
very happy because my last investment of 2012 was made in Black Diamond Group
Ltd (BDI). I have a great feeling about this company. I won’t earn that much in
dividend with this one, but what matter for me now than ever is quality. I try
not to focus exclusively on dividend income – even if I am the Dividend Girl. That
is what I call being smart.
My 2012
year in review
2012
had been an adventurous year. I left my hometown for Montreal after I have been
laid off from my job because they could no longer manage to pay me. I was
promised a permanent job in New Brunswick, but shortly after, only after 6
months of full-time employment, I had been laid off. Basically, I was giving
money that was laying in their what we could say their emergency fund. The
company was in bad shaped even before I stepped in. So I was laid off. And I
later on pursue to court the gang of bastards and I win my cause in October
2012, all alone, without any stupid lawyer money suckers. Je les ai bien torchés.
(Sorry, no English available for that sentence).
A
couple of weeks after, I open my very small business (you are reading right, I
am a business owner (but a very small one). In the meantime, RBC Royal Bank
increased the interest rate on my line of credit. I had (and I still) have good
assets (physically and monetary) so I went there, crash in, make a scene to a
RBC representative in New Brunswick. He was able to reduce the interest rate of
something like 1%, but I was still under an increase of 2%. Got the picture? So
the bitch that I am and will always be wasn’t too happy out it. I even call RBC
and I was told that because i was now out of job and I was a self-employed,
they needed something like a 5 years record of my self-employment to be able to
reduce my interest rate.
So I
told myself, what the f, and I decided to accept whatever job will present to
me and I sent a couple of résumé here and there. In the meantime, I was working
as a self-employed. I had that idea to start gardening. I bought everything
needed to make grow tomatoes, flowers and everything you can think of in term
of veggies. My grandmother has a huge land. I had the land and the desire to start
a HUGE garden. But I wasn’t able to take care of the garden of my dream in the spring-summer
of 2012 because... I left my New Brunswick behind and I moved back to
Montreal!!!
I was
very surprised, but I received a response from a Montreal office, for a contract.
I accept the job, keeping in mind the 5 years record for self employment coming
from RBC. This is true with RBC, but also with other banks. As soon you are
self-employed, it’s harder to get things from banks. You need a good and long record
history of self-employed.
Just
before leaving for Montreal one more time, I found something great as self
employed that provide me some cash for a few months, until September 2012. So
from May to September 2012, I was working on a full-time position AND I was
also working as a self-employed. That’s why you didn’t hear me very often in
2012 (not that many posts compare to 2011 and 2010). Later on, the contract
leaded to a permanent job and I am still there at the present time and I take
it one paycheck at a time (it’s really how I am taking it). The work can be
very hard sometimes, including long hours. I am grateful but I would have
prefer to stay in New Brunswick gardening.
That’s
what my life was like in 2012.
And for
2013? Bah, you know, the usual money stuff.
It’s
weird! 2013... OH GOSHHHH. Another year where I am wrinkles free. So that the
year past by, I don’t care. As long as I don’t see direct sign of aging on the
pretty chalala me, I don’t care about getting older. I am still looking if I
will be in my twenties for now. The older I am getting, the better I am getting
on the investment game. It’s like an old Stoch (sorry I cannot find the correct
spelling at this time, obviously I don’t drink it) – only getting better with
age.
For
2013, I would like to invest in some Emera Inc. (EMA) stocks for my
non-registered portfolio. I already own some Emera Inc. (EMA) stocks inside my
RRSP portfolio. However, adding on more ne serait pas de refus. (I wouldn’t say
no to some more Emera Inc. (EMA) stocks). Other than Emera, in the immediate, I
don’t have anything I want for my non-registered portfolio.
For
2013, I will do my best to focus on quality stocks. I will try to reduce my
impulsive stocks buy and I will do my best to control myself and my investment
hunger. And I won’t purchase stocks using leverage. Enough is enough. I am in
78k in debt for God sake! Ahah!! I certainly won’t borrow more money. I would
like not to use more than 50k on my margin to keep it safe. I have left 14k of
unused margin money.
The numbers
are looking and are great.
I am
wishing me the same for 2013 and, if possible, even better. Go go go!!!
Once again, have a Happy New Year
2013. For once, I love you all.
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