My deb situation on date of February 21, 2014

2 508.45$ for 6 months at 0% (credit card) = $0

$72 335.03 at 4.25% (margin money coming from my broker account): = 
$3 074.24 in annual interest

$3 723.94 at low interest rate loan at 5.50% (student loan) = $204.82 in annual interest

TOTAL: $78 567.42

TOTAL in annual interest: $3 279.06

[In date of February 21, 2014]

CIBC Visa decided to treat the Dividend Girl like a Queen... and you should all do the same!

Not so long a ago, a reader was asking if I finally got my credit check and what my score was. Well, I didn't get my credit check yet, but I guess I have one of those very good credit score because once again, CIBC Visa decided to treat me like a Queen.

With CIBC Visa, I am currently under a 0% credit card balance promotion. Nice, but it seem not to be enough for CIBC Visa. I received the following offers by mail today: CIBC Visa offer to increase my credit card limit to close to 10k. And that's not all! CIBC Visa is offering me 1.99% interest rate for 6 months. Both offers are nice, but I am not accepting one or the other as I have more debt that I need on my back. The 1.99% offer for six months is not that much interesting because a 1% immediate fee need to be paid off, and to that you need to add 1.99% interest rate. Not to interesting.

I haven't mail my $1 600 to the Student Loan yet, and I guess its the best thing I can do for now, rather than getting into a credit card limit increase and stuff.

For those cold winter nights, try David Tea The Spice is right

The weekends are always a nice time and the day FOLLOWING a paycheck is always extraordinary. Yeah! I had discovered an extraordinary David Tea name The Spice is right, a spicy orange green tea with 0 calories and the taste is absolutely amazing, its my new favorite tea. While drinking The Spice is right, you could thing that the tea contain sugar, but no sugar, only a very great taste! The mix of orange and cinnamon is very good! Check on the Spice for those cold winter nights.

While drinking that awesome tea, I wonder: what am I going to do with that money? In total, I have a $1 600 available to do whatever I want. Excluding my margin, my debt include a $2 500 credit balance at 0% for 6 months and a $5 381.54 student loan. My margin situation is stable for now, and I have plenty of cash available - $20 000 available on my different credit lines and I have an immediate access to $15 000 in case of need. So no excuse, I have no excuse. I haven't done extra payment on my student loan in a very long time and with only $5 381.54 left to be paid, giving an extra push on it wouldn't hurt at all. I don't have much debt excluding margin, so paying off as much possible, why not.

I currently have to make a monthly payment of $98 on my student loan. With an extra payment of $1 600, it could lower my payment to $69 a month and lower my student loan to $3 781.54.

I have establish a minimum monthly budget that goes like this:

Rent: $615

Grocery: $200

Internet: $39

Cell: $41

Laundry: $18

Student Loan: $98 $69

Banking Fees: $6

Credit card at 0%: $53

Total: $1 041

Knowing my habits, a more realistic budget should include an extra $300 for other expenses like coffees and stuff like hair products, makeup and clothes. A more realistic is $1 350. Its getting more and more interesting. 

Saying goodbye to Heroux-Devtek Inc. (HRX)

I am late on the post, but I didn't take time yesterday to make it publicly announced... yesterday, I have sell all of my Heroux-Devtek Inc. (HRX) shares for $11.70. I cash in $633.51 after commission. Its a good move for me because I need to lower by debt and also at this point, Heroux-Devtek Inc. (HRX) doesn't pay any dividend. I had collected dividend from HRX in the past, but it was only one time, 2 years ago at the time a special dividend of 5$ per share was distributes. Two years is a long run to be able to sell back a stock on a profit, but this was only a tiny small investment and I had all the time of the word. I can be very patient when needed.

My non-registered portfolio closed today session at $130 659.67. The markets are quite difficult these days and hyper sensible to the situation for the emergent market. I don't have too much left on my margin (just something like 3k), so I decided to put my upcoming paycheck on my margin instead of my student loan or anything else. Following what, I will only own $73 558 in debt - including margin, student loan and my current credit card balance at 0%. 

I am watching the French Quebec TV show L'Épicerie, thanks to my antenna, and there's a guy that live on a $60 grocery bill for one month..... Oh lala... The goal was to eat for $2 a day, he was able to make it, lost 12 pounds among the way, but wasn't much interest in repeating the experience because it requested a lot of shopping time. No, its not something I am interested in.

TD Bank Two-for-one stock split is now completed and Heroux-Devtek Inc. (HRX) wake up from the deads

Today was the lucky day, but nothing spectacular happen in term of value. On this special day, TD bank stock split in 2. Currently, TD bank is about $50 per share, when it used to be close to $100. Its a cool move coming from TD Canada Trust. I find the stock have a feeling of being less arrogant now compare to the other big banks like BMO and Royal Bank, just to name those two. This split make TD more accessible to any type of investors, big or tiny little and that's real sexy.

A less sexy thing: my non-registered portfolio close down to $131 076.39 today. The TSX lost 200 points today and its unfortunately impact the value of my portfolio.

Another very sexy thing: I had set up an automatic sell option on a couple of stocks, but they had expired, because it was only set up for one month, the month of January... Here are the stock sell moves that were automatically set up, but I forgot to renew them for the month of February :

-Heroux-Devtek Inc. (HRX) at $11.23

-New Flyer Industries Inc. (NFI) at $11.75

And I also had one for CFX and CPG, but I didn't not down the selling price that I put out there.

Anyway, something very awesome happen today with Heroux-Devtek Inc. (HRX)! That's right, HRX finally wake up out from the deads, from the actual monstrosity that crack happen today.

Back on November 2012, I bought some Heroux-Devtek Inc. (HRX) after the company declared a $5 per share special dividend. Ever since, I had been holding on to HRX, hoping that its value will eventually go up and make a profit by selling the shares. And the special event happen today, but the problem is now a sell or hold status. Heroux made a major acquisition of a player in its sector. And in result, the stock gain 8.21%. 

Now could be a nice time to sell. But now could be a nice time to stick and hold to Heroux-Devtek Inc. (HRX) and never ever sell...

On one hand, I have a mountain of debt and i could use the tiny amount made by selling HRX to pay on some debt. Also, HRX doesn't pay any dividend at this point. Aeronautic is a risky sector... If be rich, i will probably hold to HRX, but because I am poor, I am very tempted to sell it right now... I am not exactly fix on the move I should made, but I have a new series of post about frugal living and tips on how to save some money so stay tune.

Welcome in my non-registered portfolio TD Bank and Lassonde Industries Inc. (LAS.A)

I recently sell some stocks off my portfolio, like Bombardier, Veresen, Student Transportation and Rogers Sugar. Once sell, I used the money to pay off my debt, and I now see the too very direct impact on my margin. In result, I have left $3 862 on my margin, its not much, so for my next investment move, I will be investing inside my non-registered. To make my margin more secure, I will need to have at least between 10 and 15k on. Once that step completed, I will be able to invest in my TFSA, which didn't happen in quite some time.

This past Friday, I did something I was looking to do in quite some time. I partly sell my investment in Exchange Income Corp (EIF), and I reinvested in some TD and  Lassonde Industries Inc. (LAS.A) stocks. Following what, my non-registered portfolio is now at $132 100.18. Not too bad. I will be happier with a 135k valie. 

I am very excited over my TD stocks because real soon, the stocks will split in 2. Two-for-one stock splits are always very exciting event because the value seem to jump a bit and its always very exciting stuff. Telus and Stella Jones, among other, are stocks that I hold that went through a stock split and it went all. Its all about making the stock more affordable to investors and its nothing more than positive stuff to me. I would like to have a stock split with Lassonde Industries Inc. (LAS.A) too. At more than $100 per stock, LAS.A is reallyyyy expensive and the dividend income is tiny little, but its the kind of quality stock I need in my portfolio.

I am so so glad that I got rid of Rogers Sugar! RSI just lost 9.82% value this past Friday session. It feel good to know that I sell right on time before it fall right down. It seem like I am always right on everything. (I cannot wait to read reactions about that one!!!) Seem like I am doing all right.

With soon another 1k to invest in my pockets, I am in the search of a new stock to invest in, but I have to say, its quite difficult. I cannot get in something that could be a good match. I had trouble to find new investments in the past, and its happening again. Seem like the only very great thing to do with my money right now is pay off debt. And since I cannot get my hands on a new fantastic Canadian stock, I am more and more thinking about maybe putting a 1k payment on my student loan... And after that I think why not a 2k since I earn closed to 1k alone with my January dividend. I could go form a $98 monthly payment to almost half of it, if its the way it work.

Living without having any future investment ideas is killing me. Its like I don't have any dreams. There's nothing more I want from the thing. Is that really all? Is this the end?!!! Don't count on it. There's nothing wrong about paying off debt but i find the phase boring without new excitements... but I still can excited about the fact that I am slowly reducing the amount of cash I need every months... And its something really interesting. Once all my debt are paid off, I could live on as low as $1 000 a month, even $900 per month. To make it happen, I only have $7 681 in debt to clear off; really nothing at all... So I am telling myself, why not? Especially while going dead on investment ideas. 

Sooo my new turn on for the month of February is to live on not more than $1 000:

My rent: $615 (why does it have to be so expensive). 

Grocery and other: $291

Internet: $35

Cell: $41

Laundry: $18

That is the challenge for February.

Its time for another investment, let's think of Lassonde Industries Inc. (LAS.A)

Did you miss me all of my belove and wonderful readers? I try to connect online yesterday, without much success. Videotron Internet connection wasn't working. While I was away, the stock market didn't deliver much and in result, my margin value go down to less than $3 000. Scary, but during that time, I was busy at other stuff, I had a little something for my self-employed work.

My non-registered portfolio closed today session at $132 764 and so far for January, I earn $900 in dividend. Since my BMO credit line is now paid off and that in another I will be getting my paycheck , I was thinking of making my first investment of the year 2014. I was thinking of finally getting into my Lassonde Industries Inc. (LAS.A). It will be a small investment and only made in my non-registered account. Without knowing, LAS.A probably get into a 70% margin loan value, so it will help to stabilize the value of my margin that had been quite low lately. Nothing worth more than cash of course, but since a reader put LAS.A on my way, I had been fascinating and it will be a nice fit to my portfolio despite the fact that, hell yeah, LAS.A is a Quebec company. Hoolly mollly. 

At this time, I have eyes also on Quebecor (!!!) and also some TD stock - could be nice to invest in TD before its value pop up the $100.

Seem like my very own Jean-François Tardif is being love by hot boys and hot girls. Latest thing I notice is a comment by a so call moron lawyer saying I should look up for certificate s. Come on, BS lawyer. Lawyers are among the worst BS of all, making money on the back of poor people. I don't think they are valuable.

For the first time ever, my BMO credit line is paid OFF. BANG!

Another week is about to end reallll soon, the weekend will soon be here. Since I am getting my paycheck tomorrow, I decided to pay my BMO credit line in advance and I used my margin to pay off my $647 balance. After my American Express, my BMO credit line is now pay off. What at will happen won't be much more exciting! I had changed a bit my initial January plan to pay off debt, but not drastically. The next couple months won't be much exciting. I am just waiting for my Shoppers Drug Mart to be sell (acquisition by Loblaw) and see the result on my margin. If I get a good cash amount and decrease a bit my margin, I could easily invest for the for time of 2014 in March. If everything goes well, it will be in my TFSA.

My next big debt payment will be in May, to pay off my $2 300 CIBC Visa at 0%. CIBC Visa had been quite generous with me lately. I actually have another offer available, 1.99% for 6 months. I didn't received any offer from TD Visa - I used to received credit card interest rate balance transfer every months. Anyway, it doesn't really matter now that I am crashing off my debt. But I will always remain the credit card balance transfer Queen. AE, CIBC, RBC, TD... They all have gave me good offers in the past and it still continue.

Now that all of my credit debt is about to be pay off, it can only benefit my credit score and the big fatty margin, well, it doesn't appear in my credit score! It could be one of the numerous benefits of holding on to a sexy margin.

After recently dumping a few stocks, my non-registered value is just a bit more than $133k. Of course, the dividend income is decreasing among the way, but it worth it. I no longer have a minimum payment of $70 to do on my American Express, I no longer have a $100 to pay monthly on my BMO credit line. I mean come on, really, does that girl really rock the place or what?

No matter what your thinking is, my minimum budget is now only of $1 061. And it will get even lower once my CIBC Visa and student loan are paid off. 

If it happen that you get really bored of reading about this chick paying off debt, well, you can always read the f comments. Have fun.

Saying goodbye to Bombardier Inc. (BBD.B)

On this beautiful very cold winter day, the TSX close session close to the 14 000 points! And on the same day, at the market opening, I was selling off all of my Bombardier Inc. (BBD.B) shares. I do no hold to any BBD.B shares and its a good thing because as time pass by, BBD.B could go all the way down and I am scare of what could happen. And since I had a few debt to pay... I happily sell off and I am now down to $647 on my credit line. By the second week of February, it will be all paid off. Finally!

Its real cool in Montreal and I am just get out of the shower so I won't have take it tomorrow morning. So you are reading a wet Dividend Girl super hot in her pyjama. And I am going to bed now.

A stock that: worth to be dumb: Bombardier Inc. (BBD.B)

While Bombardier Inc. (BBD.B) titre continue all its way down down down, I seriously begin to think to dumb the stock, just like I recently did to VSN, RSI and STB. If I sell now, I can still make a profit - not big - but still a profit out of the sale. Knowing I only have a balance left of a bit more than 1k on my credit line, I am very tempted to sell Bombardier Inc. (BBD.B), cash in the cash, and make another $500 deposit on my credit line...

If what Pappy Gordon Pape said is true, that we are going to have a stock market correction by the end of the winter-beginning of Spring, than, it could be that of a good idea to dumb troublemaker stocks now that it's still possible and reinvest once the market will correct itself. I guess Gordon friends of the gulf club will be happy once the market get in a correction. But no worries, once it happen, I will be ready. I will have a few thousands to invest and hello darling cha-cha the $200 000 net worth... Its so much easier after the 100k, did you know that by any chances?

Even after selling VSN, RSI and STB, my non-registered value is $134 531.49, +$21 457.67, 18.98%. So dumping a few stocks did not affected my value. At this very moment, I am tempt to sell my Bombardier stocks. Who knows, maybe it will be possible to get back in Bombardier once BBD.B hit the low $2 per share...

When you think about it, Bombardier Inc. (BBD.B) is just another Quebec company that couldn't deliver, that is very all. And your Dividend Girl, does she deliver or not? 

Let's go baby, let's go.

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