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Tuesday, March 31, 2015

Getting rich is easy with DH Corp (DH)

I didn't blog in a little while, I had been busy at living stuff, but its not because I am posting nothing that I am not watching the stock market shit. Yesterday, I got scared, my non-registered portfolio was down to $124 000. What???? But that's only because there was a hold apply to my DH Corp (DH) stocks. I had purchased my DH stocks many years ago and since that time, the stock grow like crazy, showing up to the world how damn good I am. Years may pass by, but good stuff are here to stay FOREVER.


According to some analysts, DH could hit on the $45 per share... Can you imagine!!

Today, my non-registered closed on a $133 502.73, which is where it should be. I have left $16 573.03, which is very good knowing that I try to stay around 13k but the higher is the better. I am no longer investing on margin and I try to do my best not to go pick on the 16k left. $67 087.12 is what I hold in debt. I don't expect to really pay it down because the amount is too huge and I already sacrifice enough by paying my student loan and all the other debt I used to hold in my trouble past. Don't ask me where I am going, but I can say for sure that I will no longer get into debt more that I have now.

I am going on a vacation and after that, I will be doing my tax declaration and after that, I will do my best to invest in something new for my portfolio, probably RBC stocks like announced previously.

The JFT Strategies Fund is doing quite well and I am just looking to sell off a few units to get my hands on some cash, but that will not be for now. My invisible rule is to sell off each time I get a $500 in profit. I had been holding JFT in my portfolio since its initial public offering and since that time, I had made a one time $500 profit - it happen once. I hope it will happen a second time. Free cash for the summer would be fun.

Tuesday, March 17, 2015

Save and easy investment: Royal Bank of Canada (RY)

With the cold wither weather, my hair turn dry and when I went for an hair cut, I have them cut shorter than usual and I have problem to get use to it. It's not super short either way, but I miss my longer hair. Winter had been really rough this year, making it impossible to enjoy the weather at some points. I just started taking again some walks and stuff. Its been crazy and not a very enjoyable time.

I have a few vacation days plan ahead and I am going to happily leave this Quebec province behind for at least a few days. Life is too hard.

While Derek Foster is at home doing home schooling to his many children and writing a newsletter about it and publishing it, I for my part, I haven't invested in something new in quite a while. And since Spring is in the air, I am in the mood for new investments for my portfolio!

The idea is not new, I had my eyes on Royal Bank of Canada (RY) for quite a while. Its still on the $76 and I just have one idea, its to buy a few shares of RY while the price is still right. As always, the stock market is all mess up with a bunch of up and down. But good thing is, its a great time to buy stock for the long run. And again, it should be done inside a TFSA.

Royal Bank of Canada (RY) is an easy and simple choice. At this point, the yield is 4%. Do you know a lot of investment that pay out a 4% guarantee? Its really the way to see it. At this point, I am really amaze because I thing I have my chances to reach the $140 000 in net worth by the end of 2015. I believe in the chances. It make quite a bunch of cash.

For new investment, I also had my eyes on Progressive Waste or something like it, a Canadian stock, but Susan Brunner had a bad experience with it. Let say that its not a killer stock. I also had my eyes on Dorel, but I am very happy to not be invested in Dorel because of it current situation. One stock that I mention before and that I still have interest on today is Alimentation Couche-Tard Inc.

I had bought a new lipstick at La Baie today, Baiser Velours Nude Kiss by Lise Watier and I love the shade.

(Sorry for ending being off topic but it cannot be worst than a millionaire writing about home schooling instead of stocks. 

Cannot get enough of M. Derek Foster).

Tuesday, March 3, 2015

Two contributions in kind to my TFSA at TD Waterhouse

A few days ago, Derek Foster finally gave sign of life and wrote a newsletter about the TFSA, and that we should all contribute to it, that too much people do not invest inside their TFSA. Well, it happen that I am one of these people. 

To start the year 2015, I had $23 738.83 contribution room left for my TFSA.

I even have more contribution room inside my RRSP, but I no longer want to invest inside a RRSP. First of all, RRSP is complete bullshit. You get a tax credit for the year you invest in the RRSP, but 30 years later, bad surprise, heavy tax come once its being touched, so there's no real gain. And anyway, I don't want to benefit from my money when I will be old and grey and that my whole sexy body will be hurt because of gravity. I want to benefit from my money now while my body is still fresh and shining. And for that, the TFSA is the perfect tool.

We never know when a bad luck can happen, job loss, or health problem, or whatever else. And when those things happen, we need money NOW. Not later. That's one of the biggest reason why I am against the idea of investing inside a RRSP. I do invest in the RRSP with my current job, but that's all.

So today, I listen to Derek Foster and I decided to invest inside my TFSA. I did a contribution in kind of my current investments in Exchange Income Corporation (EIF) and Firm Capital Mortgage Investment Corporation (FC) that I hold inside my non-registered account.

To make a contribution in kind - that mean to take existing investments that are from a non-registered portfolio and make them transferred to a TFSA - is really easy. You just need to call your broker, tell which stock you want to transferred, give your order and in a day or two, the investment will be inside the TFSA. The broker will ask a funky question: do you want to place the transferred for the stock at its highest or lowest level value of the day? To that, I suggest to always answer the lowest because the lowest you go, the more you have left in contribution room for the TFSA. Also, if you currently experience a capital gain on the investment you want to get transferred over the TFSA, you'll pay tax on that - that's another reason why to always answer the lowest value of the day.

With EIF, I was experiencing just a few dollars gain and for FC, it was a small capital loss.

EIF had a margin value loan of more than 1k. If you have a non-registered account with a margin, you need to make sure to have enough in cash reserve inside the non-registered portfolio to take the place of that 1k value that will be soon gone.

A contribution in kind is free of charge at TD Waterhouse.

While holding a margin link to a non-registered, stuff are always complicated, but things will go smoothly if you enjoy dealing with stress and if you are good dealing with market shit.

I guess everything had been said. lol

I had applied to a job. So far, I got a phone interview. And I also did a test. No answer yet, but I believe in my chances because I prayed God to help me.

Wednesday, February 25, 2015

Stéphanie Grammond and Rob Carrick: two losers in war against the TFSA

Lately, so call "financial journalists" of the name of Stéphanie Grammond of La Presse and Rob Carrick of The Globe and Mail had decided to come forward and testify against the raise of the TFSA contribution limit.

I love my country because its possible, even while earning very little to hit big on the stock market. Proof is, I my non-registered portfolio is now EXCEEDING the 140k. My non-registered portfolio is now at $141 156.13. Which mean that yeah, any sexy girl and boy can make huge $$$ on our very dear Canadian market. Knowing that we have the best stock market in the world, we should take advantage of every tools available at our disposal. 

I stop caring about the RRSP long ago. At 34, I need my money now, and I need to have my money working for me now, so that SOON (not not in 31 years from oh no) I can enjoy myself and be free of any kind of salvation. And for that, the TFSA is the perfect tool. We currently can invest $5 500 per year in a TFSA. That's great. But imagine that the Tories - yeah! Stephen Haper - want to DOUBLE the amount admissible in a TFSA when our federal deficit will be paid off. It mean $11 000 per year that can be invest in a tax free way! AMAZING.

But those two losers that are Stéphanie "flop" Queen Grammond and Rob "I know it all" Carrick go public about being against the idea, saying that it will only benefit a minority, only tot he rich. Well, to that, I say,you are wrong, bad journalists!

I am a middle class Dividend Girl and I am far from being rich. However, I can very easily save 10k per year - even more. I earn thousands in dividend per year and I plan to earn many thousands more. And I am far from being rich. I guess it might be hard for a Quebecker like Stéphanie Grammond to understand this, but Canada is the land of opportunities. In Canada, its easy to save money, its easy to make money. And in Canada, we should have all of the tools available to push it.

So hell yeah, in Canada, there're too much losers in the public scene.

Sunday, February 22, 2015

Dieting with Oasis NutriSolution meal replacement of Lassonde Inc. (LAS.A)

The month of March is slowly coming by and with it a better weather. This weekend temperature in Montreal allow some activities outside. With the cold weather we have this winter, I stay in more and I haven't walk as much as I regular do. So no surprise, I gain a few pounds.  There's a free public swimming pool close to where I live, but in the cold weather, I really don't feel like going swimming. I also taught of going to a gym, but I am on a budget and I really dislike the idea of spending a few hundred dollars on a gym membership - I am way smarter than that.

I used meal replacements to lose weight in the past and it work pretty well for me. I went for a walk downtown this afternoon and in my way back home, I stop by a Jean Coutu. I taught of buying some meal replacements to help me lose a few pounds while waiting for Spring to hit on. And I made an interesting discovery.

Some meal replacements taste like shit - let say it. You might not be very appeal by them. The no name brand of Shopper Drug Mart work well for me, but the taste is not very extra good, but its not disgusting. However, I discover a new meal replacement: Oasis NutriSolution. Its made with fruit juice and a few savors are available. I went with a 6 packs of wild berry at $11.99. It might feel expensive, but the product seem to be of good quality: there's no artificial flavour or colour, its gluten free and no sugar added. Each bottle of the wild berry flavor contains 230 calories - exactly what I am looking for.

When I dieting on meal replacement, I eat a normal breakfast like usual, most of the time two slice of brown bread with peanut butter. It help me stay full until 11 h. In the morning, I like to take one glass of juice to get my vitamin c for the day. And I also take a one capsule of multivitamin. 

For my day at work, I like to cut 2 apples - strangely, I don't eat apples unless they are cut in slices. I also add white mushrooms, radish all together, but I don't add any salad sauce. I also bring a one small 0% yogurt (individual portions). When I begin to feel hungry, I eat my yogurt. Later on, I will drink my meal replacement. I will eat my slices apple in the afternoon. I also like pineapple, they really help to stop the craving. I usually eat pineapple by the end of the day, to make sure I don't feel hungry while leaving work. Once home, I try not to get a heavy meal. I usually get cereal or again toasts. I walk to go to work and on my way back home. And I try to walk again in the evening. If not, I don't lose weight at all... There's unfortunately no magic trick.

And REALLY important, is to drink at least 1,5 L of water during the day - that one is hard because I am not naturally tempt to drink that much... My trick is that I make myself tea at my arrival to work and by noon, again some tea and again in the afternoon... but if I do it at least 2 times during the day, its because I tried hard.

I think the worst thing to do is not to bring lunch at work. Because than, you eat at the food court and there's plenty of salt in the food that restaurant are serving. And plenty of junk too! I am getting back on track and we'll see how it goes. I was quite please by my finding. Oasis NutriSolution is made by Lassonde Inc. (LAS.A), a company that I own inside my portfolio.

Wednesday, February 18, 2015

More on the JFT Strategies Fund (JFS.UN)

These days, my non-registered account is performing well these days. I closed the day at $140 687. I now have closed to $190 000 investment at TD Waterhouse. It begin to make a lot of money invested in the same spot. For that reason, I think I will apply to a RBC trading account.

Currently, RBC have that promotion, 22 free trades - or something like it - for a year. Its a great promotion. Not that I don't trust TD Waterhouse no more, its just a matter of not having too much at the same spot, in case some problems happen, like any kind of problem you can imagine of. Fraud or really anything else. 

Because if something happen at TD Waterhouse let say, and that all of my investments are made there, well, it would be quite of a stressful situation. I really think that having more than one broker account is a good precaution to have. So far, nothing happen to me at TD Waterhouse, but seeing my going slowly going up to the $200 000, its like gees, how that happen? The amount begin to be outrageously big and I don't like that.

I am probably going to open a broking account at RBC, but with that one, I won't open a margin account because we all know what happen when a girl have too much money.

Jean-François Tardif is really quiet these days so I am going to speak for him. The JFT Strategies Fund (JFS.UN) is doing as well as my portfolio these days :-) Good job Tardif.

Tuesday, February 10, 2015

I am now debt free

Or almost... I had paid off my CIBC Visa and BMO MasterCard. I no longer have any student debt or any credit card debt what so ever... The only debt I have is invisible. It doesn't appear on my credit score. So what is that debt? Its my margin. Even if I have a margin debt of $68 282.49, it doesn't appear ANYWHERE. And banks just keep sending credit card balance offer over and over again. It took me such a long time to pay off my debt, its not anytime soon that will enroll in a loan or any kind of debt.

Eventually, I would like to see my margin usage go under the 60k. I hold Glentel Inc. (GLN) inside my TFSA and non-registered account. Since BCE acquisition of Glentel had been approved, very soon, I should have some new cash flow.

At less than $80 per share, Royal Bank of Canada (RY) look pretty attractive. I am surprise to see that even with a TSX at 15 000 points up, RY still trade way below the $80 per share.

I am watching my expenses, like I watch movies here instead of paying $12.99 to go and I didn't purchase new clothes in a little while. And I am trying not to spend too much. My non-registered portfolio close the day at $139 904.77. Can I make it at $140 000 by the end of the week? I hope so.

Tuesday, January 27, 2015

Canadian National Railway Company (CNR) is paying a treat to investors

That's quite nice, Canadian National Railway Company (CNR) had increased its dividend by 25%.

And its not the only fantastic news. My non-registered portfolio closed today session at $139 408.14. I could barely believe. I hold CNR in both my TFSA and non-registered portfolio and watch out the fantastic gain. Back in October 2014, I had invested in CNR and since that time, I made more than $300 in capital gain, a 10% gain.

I was disappointed to see my precious Exchange Income Corporation (EIF) down, but its part of the game. This one is a bit more volatile. The TSX gain a few points, but no matter what, Royal Bank of Canada (RY) is also down. At this point, RY appears to be attracting.

I find it quite hilarious to read over the Internet that a household that make $120 000 is being considered "middle" class. That is certainly not a middle class history... If would make 120k a year, I would be rich, not part of the middle class. But that's where we stand. Under the Tories of Stephen Harper, a Canadian middle class salary is $120 000. Really? Will I really have to vote for Justin Trudeau for Prime Minister? Hell no.

Shake up Tories, don't make me vote for a damn Quebecker. PLEASE.

Monday, January 26, 2015

Good profit on the TSX, but for how long

Once again, its terribly cold in Montreal and New York, Boston and part of the Maritime are soon getting a heavy storm. 

My non-registered portfolio closed today session on a nice $139 515.04. I even have a left-over of $16 550.19 on my margin. I was quite surprise to have my non-registered value so high. I guess Bank of Canada rate cut of 0.25%  might play in something.

I had came with a little money plan and by the end of February, I will have my CIBC Visa and BMO MasterCard paid off. I only have left $720.85 balance on my CIBC Visa and a $1 087.39 on my BMO. Not huge amount, but it's required me a lot of effort to pay it all down. But by the end of February, it will be thing done. And by the end of March, I will have something I haven't have in a very very long time: money in the bank! I plan to leave in a 1k in my bank account to cover, at least, my monthly banking fee.

With a rate cut and multiple promotional credit card balance flying by to me, it would be quite tempting to do the exact opposite. In time like now, we could thing its the best time ever to borrow to invest, but I don't think so. There's too many people loosing their jobs. Target is closing, Mexx no longer exist (I got my hands on a Mexx purse as a souvenir...), Jacob had closed most of its store, Sony is about to close its few stores... I always found that Target was too much in the landscape. There's just too many stores out there and all those closing all came up naturally. I went to Target a few times, but it never became my favorite shopping spot. Its just sad because thousands are going to lose their jobs and I doubt that there're going to all be relocated to... Sears...

We live in a strange word were we combat terrorist by saying we defend the freedom of speech. All of the I am Charlie is all bullshit. We never live in a more depress, individualist word. A newspaper as Charlie Hebdo who published very disgusting cartoons against not only Mahomet, but Christianity  - in the name of freedom of speech - well, you know what? I am not Charlie and at the end, those journalists had what they deserved. Anyone who make fun of religion should prepare to die in horrible ways. That's is my freedom of speech. I am certainly not a Charlie asshole. I am the Dividend Girl.

Wednesday, January 21, 2015

RBC Visa is offering 1.99% credit card balance transfert to the Dividend Girl

Isn't funny? Just at the time that I am very desperately trying to pay off my CIBC Visa, RBC Visa had just come up with that promotion to me, 1.99% interest rate + a one time fee of 1% and that's good until October 2015. So really people. I begin to think that the providence doesn't want me to pay down my debt at all!

The timing was perfect RBC Visa, but I will pass on that one. But I have to admit, the promotion is pretty dirty attractive. But no worries, I am now really turning into that perfect sexy girl and I am really slowing down on debt. And I no longer get excited when I received a credit card balance promotional offer. OR almost.

Not to long ago, I had a 6k on a CIBC Visa at 0%. My 0% interest rate is valid until March, but that come is a hurry... I now only have a $1 500 balance on that same CIBC Visa. I found it very difficult to pay off that debt. Among the way, I even sold a stock I no longer wanted to hold inside my non-registered portfolio, Canfor Pulp Products Inc. (CFX).

I had another huge surprise today. Even now that I no longer hold CFX, my non-registered portfolio closed today session at $136 741.33, which is pretty good knowing all the yo-yo going on the stock market and the oil crash.

No matter what, I am a pretty sexy good investor.

And thank you for reading.

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