BMO Bank of Montreal is also upselling customers

The TSX gain some valuable points today and it help my non-registered portfolio to reach the $152 233.41. My TFSA closed at $60 194.68. I estimate my net worth to be at $190 400. Its a good step forward. I was pleased today to see Just Energy Group Inc. (JE) closing at $8.06. If even JE is taking up some strong beef, its because everything is really possible. Like if this super babe could have everything she wants.

TD is currently under fire. A few days ago, CBC came with a story of ex TD Bank Group employees saying they had been put under pressure to sell and make clients sign up for products and services that they didn't need or even ask. Banks CEO received millions and millions in "compensation". That money need to come somewhere. In the financial industry, where everything is really focus on money, bonus and performance, at the end, the pressure to upsell customers is quite common. Customers are paying the price. The need to be smart is needed.

I had invested in the past in mutual funds and I have deal with financial advisers in the past and I got more bad than good experiences. I had the experience of a financial sector extremely fresh. I once had invested in Manuvie products. I wanted to invest 5k in RRSP related product. but I had a bad surprised, the advisor only but 3k in RRSP. I had to called Manuvie to have the mistake corrected and I was really pissed off. Did I ever bought some financial products with Manuvie ever again? Hell no.

Once at Mont-Royal Desjardins, I wanted to invest in mutual fund for my RRSP. Even if I had the correct investor profile and the money, I was denied access to the product that I wanted. Do I make any business with Desjardins now? Hell no.

I am just telling quickly a few stories but I had lived many others. You may go through the hundred other posts wrote in the past couple years.... you have too. ;-)

I have several thousands of dollars at my disposal to invest and play with, but from my experience, its way better to be a self doer because in Quebec, there's no good financial advisers or bank or firm that exist. Quebeckers are people who are very fresh, selfish, careless and have no class. When it come to money, they are extremely incompetent. I never put my money and trust in the hand of any Quebeckers and I strongly advice to outcomers to be extremely careful. Living in Quebec is not easy or fun. But if I am now so close to hit on the $200 000 net worth, its only because I am top sexy smart.

Generally speaking, the Quebec mass is not good and shouldn't be trust in any way. This is really important to know. Its a matter of education and Quebeckers are not well educated and that being in every field, especially when it come to money management.

Several years ago, I was working at BMO Bank of Montreal. I had followed an entry level training to work at their Montreal call center. The pressure for sales was really intense. Basically, I had to do sale in every single calls and by "sale", it meant the opening of a credit line or credit card, the opening of a bank account, the "update" of a banking account, etc. When you transferred a call for a credit line to another service, the supervisor knew who had transferred the call and if the customer had open a credit card or anything else, the sale was put under our name. There was a real competition going on by sector and by shit. A client could call simply to check on his or her balance let say, but land up with a credit line because it was pitch at their face... Stuff like that.

Toronto-Dominion Bank is being accused right now, but BMO Bank of Montreal has a lot to be ashamed of. What a bunch of little fuckers.

I prefer to be a self-made rather than having to deal with some idiots. Please kiss my assets.

The $200 000 net worth is on its way

The TSX may had lost 165.21 points today, but my portfolio reaction was quite smooth and I was surprised because I was really expecting some loses and felt bad about it, as always. I am not in to lose money. I need to make money, especially at the time where I am just so very close to hit on the $200 000 net worth. Sooo close that the only thing I find to keep it cool is to sweat all of my body evening after evening like if I were going to marathon or something like that. And I kept thinking that if I would be Eugénie Bouchard tennis star best pal, I would had transformed her into a beast like I am and she'll be winning her games one after the other instead of losing them. I don't know what shes does at the gym but she needs to wake up and listen to Eminem songs on her iPod and this is it. And yes, mine (booty) is getting all shake up these days. I guess it oxygen my brain a lot because I am on top of my game and there's nothing I love more than winning. And nope, you cannot beat me up. You cannot do close better on the market right now. Sweet secret love: sometimes, I am at my best like now..... when I keep it nice and quiet and don't trade. But don't tell anyone.

It wasn't looking good from the outside today. Just to make things just a bit more rough, the weather is currently really bad in Montreal. A major winter storm is on. I forgot to call my old folks to check on them but its too late to call now. I got busy watching tv and time pass by. The bad weather was just a good excuse to skip the regular I-like-to-burn my ugly sport gears ritual at the gym until I see holes. One day, nothing will be left and I will have no choice than to buy a couple of t shirts that actually fit me and are not too flare. And I would like some long leggings too please. Those at Gap look so pretty nice. The jogging pants are about to be put in fire. And its too hot to exercise in jogging anyway.

But oh no, cannot buy too much right so the ugly clothes will remain for now for many reasons as I just have a few thousands to go for my little emergency fund project. Easter is coming up and no way I am going to stay here. So far, sexy lucky girl with the ugly sport gears was able to spend all of Easter in New Brunswick for the past couple years. If after that you still believe that God doesn't exist, its just really not my problem.

Best thing is, the TSX lost close to 170 points and my non-registered portfolio closed at $151 067.24 and TFSA $59 901.56. I currently don't trade, but I would like to have Atco Ltd. And TIH is still the hot stuff too. I didn't sell Stornoway Diamond (SWY) yet. I prefer to keep it for now even if I taught about selling it.

The next hot TSX stock for my portfolio: Atco Ltd

I have to say, Atco Ltd (ACO.X) is an interesting stock, there's great articles that cover the family  business history online, you might want to read this one at least. ACO.X chart is certainly rocky. However, many aspects play in my advantage. At 59 years old, I am not under the impression that Nancy Southern will leave behind her father and grandfather legacy anytime soon. What I like about stocks is that it make me benefit of all the super hard work of individuals like Nancy Southern and in return, I don't need to do anything at all, if not to be smart as always, buy some company stocks and hold on it tight like precious jewels, collect dividend, enjoy the cash and if lucky, the capital gains. 

I mean, it would be dumb not to have Atco Ltd in my portfolio, especially knowing how good of an investor I am - right? This is the kind of game I like to play. Nancy Southern is no longer "only" the CEO Atco Ltd, she's about to be at my very own personal service without even knowing. No one really know what that woman is capable of and soon enough, Atco Ltd will turn my portfolio into fire. So let's go.

I guess that over the years, my instincts served me well. I can recognize a good stock when I see one. And when love hit me on, there's nothing that can stop me from getting what I want. And right now, too bad that the stock market is closed, because I only want Atco Ltd in my portfolio. Its going to be sweet dreams tonight. When money is in your mind, you can only sleep too well.

Sometimes, I fail at my duty. And its a good thing in a way because at a point, I could get scared of my own self if I would only make great investment moves after the other - but like said its almost, very almost the case. The TSX is my place to be and I want to hold on to everything susceptible to turn me into a very spoil rich girl. I won't be giving up anytime soon, I promise.

I guess you understand by now, I absolutely need Atco Ltd in my portfolio.

About a stock that didn't turn in my favor, there it come: Stornoway Diamond (SWY). 

I am thinking about selling my SWY stocks to buy Atco Ltd. I have to check on the ticket, as I would like voting shares of Atco Ltd so I can put a bit of pressure on Nancy Southern shoulders. Just a little bit.

Happy WOMEN day, investors

Day like this, with no clear market direction, is not an ordinary day. It can be as stressful just like if the market would had lose 150 points. Maybe the worst is to come, maybe not, but a day with no direction leave all suspense possible. DRIP helping - and I forgot that I hold CM in both non-registered and TFSA portfolio - my dividend income is now at $7 016.39. Getting closer to 8k, but my main concern at this time is not to see outstanding dividend gain. Its simply to keep my head out of the water.

Its a good thing that I began to put cash away. This way, if a good opportunity present, I will have original money to buy something - other than just margin money, which I only have left available 15k+ at this time.

One of today top gainer hit me on: Atco Ltd (ACO.X). I began a new page on my blog, a Watch List were I can throw all the stocks that catch my interest, but its not showing up strangely. Technical problem. But no worries the secret page is here for your review. You'll have to put it in your bookmark and check it from time to time if you don't want to miss the best I have to offer. Because I really hope you only read me for what I am best at: finding good new investment ideas.

Tomorrow is women day, which is obscene in a way to come with a "women day" - just to distinct us a bit more. We don't need anything of that nature. Does guy have a "men day"? It make pity. I guess it would be a good thing to say that the CEO of ACO.X is a woman, Nancy Southern. Yeah. This is certainly not common but I so don't care. I know only one stock of mine that has a woman as CEO: Just Energy Group Inc. (JE), CEO being the founder of the company, the one and only Rebecca MacDonald. I adore Rebecca MacDonald, and she's a woman. Hourra.

Anyway, women still have a long battle when it come to CEOs position like that, and even in finance. I am not familiar with any female investor, if its not only Susan Brunner. But its because I am the best female investor. Its only because of that. LOL

Only time will tell if I am very good or not but so far, I will say that I made descent money, and I could live by working part-time at the minimum salary if needed so if I can do that, its mean I am a sexy star.

Happy WOMEN day.

Toromont Industries Ltd (TIH): a major turn on for investors

Following Donald Trump speech to the Congress, the TSX reaction was quite good. It didn't hit back to the old very luxurious 15 800 points, but still, a 15 608.5 points is quite nice to be on. My non-registered portfolio closed Friday session at $150 582.99 and my TFSA at $60 313.2, all quite good for me. Overall, my net worth is probably around 187-188k right now.

Its hard to believe, but I currently have $2 880.49 in cold fresh cash in my banking account. One of my secret goal for 2017 was, for once in many years, to leave some money in my banking account, and the amount set was money survival for 6 months, $1 250 (minus my dividend income), which make about $4 000. If I ever need to, I may be able to live on less than $1 250, but it will be tough rough life. 

By the end of March, I hope to have at least $4 000 in my banking account. And that will be it. It wasn't easy at first to see a few thousands being there doing nothing, but its all for a good cause - mine. Very awful to have so much put on the stock market, knowing that its the riskiest place to put any money, and have no cash hiding somewhere safe. This all come at the right time because my portfolio is "almost" a work of perfection. My latest investment, Toromont Industries Ltd (TIH) came as a revelation and its probably among the best investment moves I have ever make in the past couple years, if not so far in my life. There's really investment that change life and ever since I had been in contact with TIH, I know it was it. 

Only time will tell if I am right but I am very confident and I have good hope for this investment. Starting April of this year, I would like to invest a couple thousands more in Toromont Industries Ltd (TIH) just to satisfy my taste for self-satisfaction. And just to bring that self-satisfaction feeling to another level, I am the one that bring Toromont Industries Ltd (TIH) to life on Internet. Go on Google, search for TIH on the Web and you'll see it for yourself: no one expect me to write about TIH, no so call financial bloggers, no so call journalists, no so call fund managers. Just no one. Just the so call Dividend Girl lol. But now you know at least the existence of TIH. According to the Globe and Mail, TIH shares have outperformed the S&P TSX by 29.83% during the last year. What a spectacular stock to hold in a portfolio, isn't?

So far, 2017 is a glamorous year for my dividend income. Canadian banks announced one after the other that they were increasing their dividend. Latest one was Toronto-Dominion Bank (TD). My latest dividend increased + the new stocks collected by DRIP made it easy to reach the 7k in dividend income. My annual dividend income is now at $7 007.86. Finally popping up the 7k mark. Investing more in TIH won't bring in a lot in term of dividend, but I am in for the capital gain on the long long run.

Toromont Industries Ltd (TIH) just be ready to be on my side for years to come.

Donald Trump is rocking the Congress and Bank of Nova Scotia (BNS) is increasing its dividend distribution

Right now, the TSX is playing games with my heart. Just like if I didn't already eat enough dust. The stock market is not a place for little girls. I cannot make money if the TSX is not all high up. Its the way it is. Each time the TSX lose points, my 200k net worth is fading away. My non-registered portfolio is now down to $149 332.92. I have left $13 790.97 on my margin. Lower than 13k is a critical point. No worries, all my eyes are on him, just like if my margin would be a very nice looking Cuban man. So I am watching this very very closely. The only way to go through is to remember that one day in life, I was on top of everything. Right here.

While waiting for my great returns to come back, I am currently watching and listening to Donald Trump addressing the Congress. And so far, Donald Trump is making me proud. Its an interesting talked and he introduced the story of American citizens in his speech. His words are clear, make all good common sense. Its being said that Donald Trump finally found his voice and that this might be the best speech of his political career - so far. I didn't catch his wife in the audience - she had missed something.

Ivanka Trump is there wearing a pink dress, probably of her brand, sitting right next to a woman who lost her husband at war. I think Ivanka Trump husband is sitting at her left. Trump is giving the speech the US nation was is need of. Tomorrow, I am pretty sure that stock markets a little bit around the world probably going to go up, just like I need it to be so I can be successful and really beat it up one more time. I am getting too use to be on top of my game like most of the time and arrogance has become my new vice. So back off ok.

Recently, Royal Bank of Canada (RY) and Canadian Imperial Bank Of Commerce (CM) decided to increase their dividend. And now, BNS is following the dancers. Let's go, make me rich.

Saying hello to a $7 000 annual dividend income

The TSX was on it way to make me on top of my princess game - once again - and happily hit on the 16 000 points for the first time in history. But I guess it was just too much too soon. The TSX pulled off back and closed this past Friday session at 15 533.47 points. My non-registered portfolio closed at $149 466.72 and my TFSA at $60 382.61. At this time, I estimate my net worth to be around 187k. Still solid like a rock and beautiful as gold, or if you prefer, God.

The pot of gold is not on the $190 000 right now, however, its now official, my annual dividend income reached the 7k: $7 003.86. This exclude the dividend income coming from the RRSP. This is happening because my non-registered and TFSA portfolio are set up on DRIP. And also, fact that Canadian Imperial Bank Of Commerce (CM) and Royal Bank of Canada (RY) announced dividend increase recently also help my cause.

One of this past Friday top gainer on the TSX catch my attention: Colliers International Inc (CIGI). It will be difficult to ever beat up my last investment, Toromont Industries Ltd (TIH), but I like to seek for other investments. Even after finding TIH. And that being for many reasons. One of the reason is that ever since I had been investing in stocks, I always been searching for new stocks to invest in. It became something very usual overtime. But the more time pass by, the more difficult the task had become. Its also clear to me that the search for THE stock need to continue, rather it is on the US or Canadian market. The best that have the stock market cannot resume itself to what I already know. 

Too bad for the little Quebeckers. Fact that I am holding Toromont Industries Ltd in my non-registered and RRSP portfolio make me the greatest investor on earth. Its really that simple.

TSX can lose all the points it want, arrogance is here to remain.

Again this year, I won't invest in my RRSP portfolio

Actually, this is partly true. I contribute to my RRSP, but only at a very low level through my bi-weekly pay. I cannot simply rely on that for my retirement. But l like always, I learn a long time ago to take care of business myself. Especially since Jean-François Tardif seriously began to piss me off with his damn JFT Strategies Fund (JFS.UN) just going no where. Nice man, good heart, good looking, but no fun profit! And no nice dividend! So when a man doesn't give me what I want, I stay away. Love you but bye bye bye Jean-François Tardif. I am going to get rich all by myself, just like it was expecting to be.

RRSP is good - but only if you are rich. Like real rich. Personally, I don't like RRSP and I really regret having invested in RRSP when I was "younger". Why? Well, if I would had made those investments inside a non-registered account, I could touched the dividend money. Currently, my dividend income is of $6 995.66 (non-registered and TFSA portfolio dividend). Now, imagine what could be that income if my RRSP stocks would be invested inside my non-registered portfolio. Like so frustrating! I don't care of what my needs will be when I will be old and gray. I want to have all the cash possible and ENJOY it NOW. Tomorrow is another day that I don't necessarily care about.

You are reading the Dividend Girl Blog, its not here that you'll read about seriously good stock review. My investing style is one of a voodoo princess. It watch catch my attention and my choices are base mostly on impressions and feelings. And of course, I check if the chart is all the way up, if the stock exceed the value of the before 2008 stock crash, the dividend yield is not too excessive, a good stock history, mostly something that been around for a couple of years. I made mistakes among the way, my portfolio is not perfect. If you are getting tired of the voodoo method, there's other option. Stockopedia is quite interesting. And for real stock reviews, serious ones, Susan Brunner has what you need! Check out her latest post, quite interesting. After reading, you'll have all the buzz needed to save all the cash in the world to invest and make your way to thousands and thousands in net worth. Very dangerous post.

Getting ready for my first 200k net worth

When I saw Friday that my non-registered portfolio was popping up to the $152 000... I knew something special was going on. I was hoping to finally be sitting on the $190 000 net worth. So I update my portfolio as quickly as possible to find out and it when I discovered that I was so almost sitting on a 190k net worth.... almost. At $188 996.88, its now reality, the 190k net worth is just around the corner. If I can just make other great discoveries like my newest Toromont Industries Ltd (TIH), it won't be long - unless something catastrophic happen on the stock markets.

My feelings toward TIH is the same I got years ago when I invested in my precious Premium Brands Holdings Corporation (PBH). I invested about 5k in PBH years ago and today, on date of February 19, the investment worth more than $32 000. I would like to invest another 1 pr 2 thousands in TIH, sit on the investment like a sexy hen and wait for capital gain to come in. No more work is needed, just the right stock pick, that's all.  

So far, 2017 announced itself as being THE year for my first $200 000 net worth. It wasn't that long ago that I reached $100 000 in net worth. It was actually in January 2014. We'll see if I can make $100 000 every 3 years or so. 

I read somewhere that some illegal immigrates had reached out New Brunswick, only 3 for now. But even with 3, the Maine-New Brunswick border is only decorated by very small cities and I couldn't help thinking that policemen in New Brunswick might just don't know what to do if they catch illegal immigrates crossing the border. Its quite problematic, even if its only 3 immigrates. Where are they going to put these 3 people? We have enough to deal with in New Brunswick including poverty that is present. We are really not arm to welcome illegal immigrates. Like not at all. And I don't even feel compassion for those immigrates invading New Brunswick. Its just not their place to be. New Brunswick is a too poor province to welcome refugees. There's many people who are in great needs and we should not spend one single penny for those people. Rich or poor, I am against the principle and I find it totally disgusting.

My investment portfolio on date of February 17, 2017

Non registered Investments:
Cold cash: $2 571.82


Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.13
Bank of Nova Scotia (BNS): $9 572.94
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 821.69
Fortis Inc. (FTS): $4 968
Pembina Pipeline Corporation (PPL): $21 344.28
Just Energy Group Inc. (JE): $6 907.95
Enbridge Income Fund Holdings Inc. (ENF): $12 333.60
Corby Distilleries Limited (CSW.A): $2 803.64
Premium Brands Holdings Corporation (PBH): $32 401.12
iShares S&P/TSX Capped REIT Index (XRE): $2 536.38
New Flyer Industries Inc. (NFI): $4 753.08
TMX Group Inc. (X): $572.88
K-Bro Linen Inc. (KBL): $4 400
WesternOne Inc. (WEQ): $12.60
TransCanada Corp (TRP): $1 556
Canadian National Railway Co (CNR): $8 446.50
Enbridge Inc. (ENB): $1 539.16
Agrium Inc. (AGU): $6 239.44
Canadian Utilities Limited (CU): $1 540.56
Black Diamond Group Ltd (BDI): $126.50
Emera Inc. (EMA): $1 131.75
Cineplex Inc. (CGX): $1 281.25
BCE Inc. (BCE): $1 292.72 
Stella Jones Inc. (SJ): $827.20
Saputo Inc. (SAP): $1 830.80
Lassonde Inc. (LAS.A): $2 039.90 
Loblaw Companies (L): $818.28
Savaria Corporation (SIS): $5 451.72
Stornoway Diamond (SWY): $1 398.55
Open Text Corporation (OTEX): $1 754.80

Canadian Imperial Bank Of Commerce (CM): $3 494.70

Toromont Industries Ltd (TIH): $1 884.40

TOTAL: $152 082.53

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 156.39
American Outdoor Brands Corp (AOBC): $1 345.40
Cash: $163.68

TOTAL: $3 748.08 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $56.94
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): $941.15
AltaGas Ltd (ALA): $940.50
CT Real Estate Investment Trust (CRT.UN): $1 552
Canadian National Railway Co (CNR): $3 754
Exchange Income Corporation (EIF): $9 365.30
Firm Capital Mortgage Investment Corporation (FC): $562.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 181.83
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 155
Laurentian Bank of Canada (LB): $1 222.20
The North West Company Inc. (NWC): $1 494.50
Andrew Peller Limited (ADW.A): $3 695.10
Barrick Gold Corporation (ABX): $1 056.40
Canadian Imperial Bank Of Commerce (CM): $1 747.35
Hydro One Limited (H): $2 407.84
Toronto-Dominion Bank (TD): $1 388.80
Boyd Group Income Fund (BYD.UN): $2 668.20
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 239.30
Keg Royalties Income Fund (The) (KEG.UN): $1 421.70
Data Communications Mgmt (DCM): $16.32
Westshore Terminals Invest Corp (WTE): $6 127.50
Morneau Shepell Inc. (MSI): $1 766.70
Royal Bank of Canada (RY): $3 963.60
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 160
Parkland Fuel Corp (PKI): $1 783.68
Stornoway Diamond (SWY): $1 518.90
Park Lawn Corporation (PLC): $972.60

Cash: $163.06

TOTAL: $59 337.22

RSP investment portfolio:
Emera Incorporated (EMA): $11 543.85
EnCana Corporation (ECA): $1 749.60
Toronto-Dominion Bank (TD): $2 083.20
Barrick Gold Corp (ABX): $1 320.50
Stella Jones Inc. (SJ): $4 136
Telus Corp (T): $2 196.50
Alimentation Couche-Tard Inc. (ATD.B): $491.12
Royal Bank of Canada (RY): $1 981.80
Savaria Corporation (SIS): $2 182.86
Thomson Reuters Corporation (TRI): $2 354.80
Park Lawn Corporation (PLC): $3 242
Richards Packaging Income Fund (RPI.UN): $825
Toromont Industries Ltd (TIH): $329.77
Cash: $11.21                                  

CIBC Dividend Growth Fund: $804.24
CIBC Emerging Markets Index Fund: $494.71
CIBC Monthly Income Fund: $1 382.74                                        

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 312.89                                  

Manulife Fidelity NorthStar GIF CAP B: $1 542.74
Manulife Simplicity Growth Portfolio: $1 270.55
Maritime Life CI Harbour Seg Fund: $1 216.95
Maritime Life Fidelity True North Seg Fund: $1 220.50
Manulife GIF MLIA B World Invest: $1 040.40

Other various: $8 583.27

TOTAL: $54 396.95

Social Capital at Desjardins Membership share: $35
Pending online income: $124.18
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$272 295.78

My debt situation on date of February 17, 2017

$83 298.90 at 4.25% = $3 540.21 in annual interest

[In date of February 17, 2017]

*For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

The newest date to be remember: February 16, 2017

The TSX set a new record high today, closing the session at a very comfortable 15 864.17 points, and making me at the same time richer than I never been before. Its quite shocking to see the TSX battling up records like that bang bang bang. And beating up the mark of 15 800 points is quite something. Its actually unbelievable. Why is the TSX suddenly going all the way up like that? Anyway, as you know, I stop trying to understand it all a very long time ago. Someone very famous, very rich (and very old too!!) once said that you should only invest in stocks that you understand. I so don't agree with this line of thinking. Not at all.

Investing in stock can be quite intimidating, but nothing should stop anyone to invest in stocks. If I would had wait to actually understand the stock market, understand how the system work, what it is, understand the stocks I invest in, I still wouldn't be investing because its all too complicated stuff and the only thing I am into is making money. I don't  So once I kind of get the picture, I jumped it. No need to know anything, the only thing required is a great taste for danger, adventure, and of course, MONEY. Remember, its all about capitalism. I want a slice of the cake on my side when I sleep at night.

MONEY, MONEY, MONEY

:-)  

Right now everything is so on the high, but can the TSX jump back very sharply too? Oh yes it can! But I don't worry too much about that. Stock market around the world goes up and down all the time, that's what they do. But in the meantime, give me a break, I am richer than I ever been before and I suspect to be sitting on a net worth of $188 000. My non-registered portfolio is at its highest, sexy as ever, standing at a strong $151 968.72 and my TFSA portfolio is enjoying itself at $59 224.55.

What can be consider as one my major achievements of the past couple years, my latest investment in Toromont Industries Ltd (TIH), is not a joke. Since February 9, TIH had grow by 2.22% in my now famous non-registered portfolio. So far in 2017, I invested $2 668.20 inside my TFSA. Since I have contribution room left, I am thinking about taking my Toromont Industries Ltd (TIH) stocks and proceed with a contribution in kind to my TFSA with TIH. 

Knowing that Toromont Industries Ltd (TIH) gained 2.22% since only February 9 and especially knowing that TIH shares have outperformed the S&P TSX by 31.22% during the last year, proceeding with a contribution in kind on that stock is a very good move.

Why am I so smart?

A date to remember: February 10, 2017

The TSX closed last Friday session by popping up the 15 700 points! February 10, 2017 was  an historical date. The TSX closed at its highest ever, at exactly 15 736.64 points. And during that time, my non-registered portfolio closed the session exceeding 150k. It look like the TSX could soon welcome the 16 000 points. 

A good TSX in shape always bring easy money for investors. I am curious to see how the market will react to Justin Trudeau little trip in Washington. So far, I am not very impress by the announcements made. Trump want to discuss about the place of women at work. I mean really? Its not like we are a third world country in Canada. Women have a place at work. There's nothing much that need to be debate in regard of that topic. I am a single woman at work and I mean, I don't think Canadian women suffer at work or are facing major discrimination. Anyway, that's a stupid topic to talk about when there's so much more that need to be cover. ???

Trump should think about building a wall to protect the USA-Canada border because right now, there's some illegal immigrant coming from the US that are entering Canada and ask for the refugee status. Those immigrants are taking time, energy and money out of our pockets. That is something that need to be address to Donald Trump. Its only his fault if those illegal are coming to Canada. And while they are here, they have to stay somewhere, eat 3 meals a day, need to get proper clothes, and, even worst, get medical cares. And who pay for those immigrants? 

My tax money goes for that.

Welcome in my RRSP and non-registered portfolio Toromont Industries Ltd (TIH)!

Its too bad, but I couldn't resist! I had to invest in Toromont Industries Ltd (TIH) and I did. I am currently under the impression that TIH is THE HOT STOCK that was missing from my portfolio for too long now. Now, only now, my investment portfolio is a perfect, but certainly complex, piece of work. You have to look at it like a very big tree And I have the very strong feeling that I did what was for the best. Its true that every time I buy a stock, I am always confident about my move. But this time, its a different story. I am going to make a lot of money with this investment. Who live will see.

Fact is, Toromont Industries Ltd (TIH) is not a well-known stock. Its a good thing that I find out about this stock because from now on, TIH is from my portfolio and in result, the world wild Web will get a taste of what real Canadian quality stocks is all about. I didn't find any reviews of Toromont Industries Ltd (TIH) and no financial blogger - expect me because I am the very best of course - wrote about this stock or even mention it! Its a real shame.

On Stockopedia, Toromont Industries Ltd (TIH) has now a StockRank of 91. Finally at least, TIH now appear in one single Stockopedia screen - at least. Toromont Industries Ltd (TIH) is currently making its debut on the 52 Week High Momentum Screen. Great! Another fabulous that I hold, but this time in my TFSA portfolio, is in the same screen, its: Morguard North American Residential Real Estate Investment Trust (MRG.UN). So far, my capital gain on MRG.UN exceed the $200, and that capital gain doesn't include the dividend earned so far on the stock.

I was checking on my banking account and I currently almost have 2k in there. And I taught wow, looking good! Why I don't try to keep the money in there for once? I will try to keep as much money possible in there. Fresh fun cash have diamonds value. But during that time, I am getting fatter on my margin.

As you may doubt, I had invested in Toromont Industries Ltd (TIH) inside my non-registered portfolio by using magic margin money. As for my RRSP investment in TIH - its a small investment made by using dividend left-over earned inside my RRSP.

GOOD JOB SUPER BABE.

(lol)

GO go goooooooo!

Oh Toromont Industries Ltd (TIH), wonderful, beautiful stock

Toromont Industries Ltd (TIH) is THE investment I had been missing in my portfolio. In reason of this new beautiful, the plan of setting up a small emergency fund is about to go straight to the garbage! YEAH. I hate emergency funds. I have no real desire to build one. Living paycheck per paycheque is good enough for me. Emergency fund is against my nature. I cannot fight the in deep need of investing, especially now. But what's the rush to invest in TIH now? The rush is MONEY.

According to the Globe and Mail, last year, Toromont Industries Ltd (TIH) outperformed the S&P TSX by 32.78% during the last year. I believe that TIH is on the road to similar extraordinary results for 2017. The only way to benefit from TIH is to invest in some TIH stocks - and that cannot wait. It need to be done NOW.

I would like to invest a 2k in TIH inside my TFSA since I have contribution left.

Quebec puppets upset for Washington Post article by J.J. McCullough

Quebeckers are quite funny people. A good article in regard to recent terrorist attack that happen in Quebec City was published in the Washington Post. Whenever someone tell to Quebeckers right in their face who they truly are, the reaction is immediate. They always react like a bunch of clowns. Quebeckers massively comment the articles denying all relevant facts. They are Quebeckers are just not smart enough to accept the true. And personally, I can assure you that the article published by J.J. McCullough is accurate and is a good portrait of Quebec province. 

As a "distinct" society, Quebeckers have problem to deal with who they are. But the true had now been exposed to the world. Quebec is well known for being a corrupted province with extremely bad leadership in field of education, health care and provincial administration. That lack of education is the cause of many diseases in Quebec province. I previously wrote that when it come to terrorist attacks that happen in Canada had been committed by Quebeckers, and that it wasn't surprising. Well, it happen that J.J. McCullough also talked about that in his article. In many ways, Quebeckers themselves are much more dangerous for our country than Muslims. However, for many reasons, I am against Muslims.

I previously wrote on this very good blog that I am against Muslim and I explain why. This is not racist. I am expressing the voice of common sense. New Brunswick may be a poorer province, but we don't let our children go to school in buildings that are about collapse. We don't let our seniors stay in their shit all night and they get to have more than just one bath a week. We can stay proud despite our problems because we know who we are and we don't let bad things happen to our people. We are not hypocrite like those Quebeckers. Forget about all my money, being a New Brunswicker is what I am most proud of in my life.

Get to know your enemies.

My newest everything is: Toromont Industries Ltd (TIH)

The weather is getting bad in Montreal, so I decided to go straight home after work. I can only miss Cayo Coco beaches. And most of all, I am missing the SUN. And Cuban guys. There's just something irresistible about those Cuban men, just so very hot. I have a thing or two for everything that is Spanish. Anyway, I am surviving. And right now, I finally catch on a stock of interest! Hourra!

Be happy for me.

Excuse me, but I can live without Cuba, without its fabulous, but I cannot make it too long without having any investment dreams. When it come to make money out of the stock market, I hit it on the easiest way possible. Forget about essays or fooling around trying to come with a very very complex strategy that will just blow your mind. I don't care. I have nothing of that matter to share or to prove. I want straight to the point easy investment moves ONLY.

So here it is, come and meet my newest extraordinary finding, a gem in the jungle that is out there: Toromont Industries Ltd (TIH). It wasn't hard to hit on TIH, especially today, since the title closed today session at fabulous 5.2% gain. Once again, I had it easy but it was just a matter of good timing, I needed to be online and check out my portfolio tonight if not, there would had been no TIH finding. I did my duty and here come my reward. Thank you my Lord.

Toromont Industries Ltd (TIH) basically answer to all of my criteria. It has a rocking chart since its inspection, its a dividend payer stock, its a stock that had increased its dividend over the years, its a company that been around for many years and that had survived the 2008 stock crash and now exceed the value of the before 2008 crash.... I cannot dream of having more in the same stock. Sure, TIH dividend yield is low, but its the only negative thing. And never forget: don't focus on big dividend yield, focus on quality, its where you'll find your richness and you'll be happy.

Its not easy to find such quality stock but I am very happy that I did. Strangely, TIH doesn't appear in any of Stockopedia screens. Its one of the reason why I didn't know about TIH until now. I keep scrolling and scrolling and going on to all stocks featuring in Stockopedia screens on and on and on... At a point, I mean, I didn't find my next everything. There's something wrong about Stockopedia because I am really sure that TIH should had feature in some of Stockopedia screens. To play only in my favor, Stockopedia StockRank of TIH is 90, which is very good I guess. But don't ask me, I know nothing and I am careless.

It seem like a very very lucky girl next door had finally hit on her next everything. TIH be ready, you are all MINE.

I have a brand new credit card: CIBC Dividend Visa Infinite Card

Its now been a week since I left behind Cayo Coco sun, nice sweat beaches, and my favorite drinks: pina colada, mojito, margarita, Spanish coffees and not to forget good looking Cuban guys. I am slowly surviving, but my whole body is screaming its hate of winter by giving really bad dry skin. As for alcohol, I don't have problem to stop drinking overnight, even if I am quite something on vacation. Just stay tune for my review of Melia Jardines Del Rey, which I should post soon.

 

My newest saving goal could give me a break from my eternal search for good investments, but I am quickly seeking for stocks on Stockopedia anyway and its fun as always. Nothing new catch my attention so far. I guess its because my portfolio is pretty much at the best I could possibly pushed it. Right now, I am only praying for relatively stable stock market that will keep me away from any in deep problems.

Currently, my non-registered portfolio is at $148 026.17 and my TFSA portfolio is at $57 713.66. Great results, but party will be on when my non-registered will be at 150k and my TFSA at 60k. 

A few days before leaving for Cayo Coco at the Melia Jardines Del Rey, I checked on a few credit cards that I wanted to bring with me just in case of emergencies. I have a credit line with RBC Royal Bank and I wanted my RBC debit card to be link to the credit line so I could withdraw money in case of need but guess what, that wasn't possible with RBC Royal Bank. I mean, that's stupid! RBC missed an opportunity to make money on my back!!! What kind of bank is that???

Anyway, its not the first time that I am getting pushed away by RBC. Don't want of me? No worries boys, I will go somewhere else! 

But no worries, I quickly turned around and look over with CIBC. What a better service! CIBC offer to treat me like the princess that I really am and increased my credit card limit - YEAH - and link the credit line to my debit card - thank you CIBC. My credit line needed to be reactivated because I never used it. It took 24 hours before getting reactivated. And just to push over the love a bit more, CIBC gave me the CIBC Dividend Visa Infinite Card without any fees, at least for one year. 

The CIBC Dividend Visa Infinite Card is interesting. It gave away a nice cash back of 4% on groceries, 2% cash back on Tim Hortons and TELUS purchases and 1% cash back on everything else. With my spending habits, I am expecting to cash back around $350 annually if not a bit more.

Thank you CIBC.

On the road to financial success with Open Text Corporation (OTC)

I may be on a starvation mode, desperately trying to build up a small emergency fund, but no matter what, I have all eyes on the stock market and my stock portfolio. And currently, Open Text Corporation (OTC) have all my attention. I invested in OTC back in September 2016. I wasn't able to hit on very good profit with OTC right away. Sometimes, patience is key.

I wrote before on the fact that I really like stock split. The general rule - but its not always the case - is when a stock split, the stock generally gain in value. Open Text Corporation (OTC) split had refreshed and regenerate the spirit of the stock. OTC finally hit on a + value and that mean more cash for me.

Lately, Saputo Inc. (SAP) is also in my radar. I like SAP because its dairy activities are diversified within multiple companies and also in different countries, Argentina and Australia, and not to forget here in Canada. Its just a matter of time before SAP get it hands on the missing Australia's Warrnambool Cheese and Butter shares. Its been a tough road but here again, patience is key. And again, plenty of cash for your favorite blogger.

Money is everything.

Working at building a boring, but so needed, emergency fund

A cash portfolio is what I have in mind these days. I am not a fan of "emergency fund", its why I am using the term "cash portfolio". Why should you put away some cash without investing it??? Well, because life is all about money. It take money to pay for rent and everything else right. In the past recent years, I never been able to actually build a a decent "emergency fund". I am 100% invested and I never been ashamed of it. I love to invest, I like the stock market. My obsession is always to find a new sexy stock to invest in. I want my money to work for me. All good, all good. I have a net work of now close to $190 000 and I came to the conclusion that time had come for me to put some cash aside.

Its hilarious in a way, to have a 190k net worth, but nothing in cash. Its actually not hilarious, its the demonstration of my disease, of my investing addiction. I unfortunately don't suffer from stock market anxiety in my everyday life. I can easily go for a week without any access to my broker account and stock market news and it don't hurt my spirit. I am in for the wild ride if you see what I mean. And you'll be all surprise to learn that I actually begin to build up a boring cash emergency fund. Luckily, not being a sexy momma is helping because I have no one to care of except my own self. I had set up my minimum monthly cash need to $1 250.

A decent emergency fund should include the minimum required to live on for 6 to 12 months. And actually, the more cash you have, the better you are. Cash is very important. And the term "cash portfolio" should remain in your mind. Because cash is needed in any portfolio, including mine - and especially mine.

Ok, so $1 250 for 6 months = what, you mean I need to put $7 500 in cash OUTSIDE the stock market???

NIGHTMARE.

lol!

I am a bit a cheater but I am a good cheater because I always tell my favorite readers. 

Don't forget my dividend income! (Because there's no way I can possibly keep $7 500 out of the market). Currently, my annual dividend income is of $6 932.32, a rough equivalent of $577 per month.

This lead to our conclusion:

$7 500 - ($577 x 6) = $4 038

To build a 6 months emergency fund, I need to put away, far way out of reach, $4 038 in my banking account.

See, smart girls are full of tricks.

 I will be done building the stupid emergency fund at the of March (of this year of course). I JUST CAN'T WAIT.

Enough of Muslims in Canada: will Justin Trudeau wake up?

I came back Friday from a one week vacation spent at Melia Jardines Del Rey located in Cayo Coco in Cuba. I had a good time. I will post my review about the Melia Jardines Del Rey later on. I won't forget to post pictures, I promise! But quickly, I can say that for a one week stay, we could only book 3 restaurants - but it was a common thing to see Quebeckers coming in without any reservation, gave cash money to the server to come in and eat meal that they were not entitle to. Totally disgusting Quebec shit at its best.

While I was facing a wonderful time, some people in New Brunswick had a real hard time. Some 28 000 residents still don't have electricity. Its very horrible. I put my mom in Montreal bus yesterday evening. When I hit back on, I was watching TV and I learned about the Quebec mosque shooting. Its a very sad even, I am not in favor of terrorism acts or murderer most of the time - the only time that I was "ok" with a murderer act was when the Charlie Hebdo event happen - anyone who draw the Virgin Mary with the legs wild open truly deserve to die and I won't ever tolerate any disloyal act against my religion. I am not in favor of opening our borders to Muslim. I am not in favor of welcoming Muslims in our country. This is a choice that had made the federal government and not the Canadians themselves. Don't ever believe that Muslim countries tolerate the invasion of other religions in their lands. So why should we act the opposite way and accept foreign religions to find roots in our blessed land? So we became as fuck as they are in their home country?

Let me make myself clear, I am not against immigration, I am in favor of good common sense. See, in Canada, we don't have a legislation that is strong enough to protect the interests of Canadians. An employer can decide of who he or she will hire. There's no law to govern employment. First, jobs must and should fill by Canadians and only if there's a need, than, an immigrant can come fill out an empty place. Its terribly hard for young Canadians and older to to find employment. Even at my workplace, they're many immigrants and many of them are not residents or not even Canadians. Those immigrants occupy jobs that could easily be fill by Canadians, even temporary jobs. But the employer doesn't care. Its all about money and nothing else. Hiring is done all over the place and without any judgment. And generally speaking, Quebec mass absolutely have no common sense or either good judgement.

And think seriously for a second. What happen Sunday, January 29 is very sad, but fact is, all terrorist offenses that happen in Quebec territory so far had been done by... Quebeckers. Quebec is a very sick society and the disease show up from time to time taking the form of corruption, crimes and terrorist actions.

As a good Quebecker, Justin Trudeau doesn't care either about the interests of Canadians. He's giving a good speech now, saying that Canada is willing to accommodate immigrants, no matter what their religion is. But what about us? Can we make sure that all Canadians willing to work can actually occupy a full-time job in their field?

We shouldn't have to worry about those kind of things but because our leader is incompetent, we have too. Muslim is just another problem that we have to deal with on top of everything else. Its a shame.

No one care. Justin Trudeau should work at making Canada great again.

My first contribution in kind of the year... 2017

This past Friday, I proceed with my first TFSA contribution in kind of 2017. I took the shares of Park Lawn Corporation (PLC) and Andrew Peller Limited (ADW.A) that I was holding inside my non-registered account and have them transferred. I already had some ADW.A stocks in my TFSA, so it was "kind" of logic to have all ADW.A shares standing together in the same spot. With all those changes, my non-registered portfolio closed today session at $145 547.78.

I got stuck in a messy situation today. I received a call from my bank saying that my rent check didn't have enough fund... I totally forgot about my rent. I had proceed with a money transfer to my margin a couple days ago and I was real excitement because the amount was closed to 3k. Today incident make me think that this time is the good one.

This kind of things happen when you have no money at the bank. Its great to have a net worth of very close to $190 000, but it would be nice to have a couple thousands to show off and no more bank call please and no more stupid money problem.

Its time to proceed with new TFSA contribution in kind investments!

January is a great month for Canadian investors because it allow us to make a new contribution to our TFSA accounts. Investments made inside a TFSA are FREE OF TAXES. Which mean that the capital gain AND dividend earn inside a TFSA account are not tax, and will never be. For 2017, the TFSA contribution limit is of $5 500. Knowing how much I am pack of stocks inside my non-registered portfolio, no need to have new cash available to invest in my TFSA. 

What I like to do from time to time is call contribution in kind to my TFSA. A contribution in kind is when you take an investment from a non-registered account and transfer it to the TFSA. While doing so, when a stock is involved, the broker will ask if you want to invest at the lowest or highest value of the day. I never totally understand that question because at the end of the day, the stock price is fix. Anyway, proceeding with a contribution in kind is the easiest way to contribute to the TFSA when no fresh cash is available.

While doing a contribution in kind, there's a couple of things you need to watch out. The following is basically the TFSA contribution in kind "bible", so please enjoy and read carefully.

-Before proceeding with any contribution in kind, make sure you have contribution room left. If you exceed the amount you have left in contribution room for the TFSA, you'll pay very hard for your mistake. Its going to cost you money. You'll be very badly penalize, and you don't want that to happen because you are too sexy smart for that!

-If, inside the non-registered portfolio, if you have a margin account, you need to watch out carefully the loan value of the investment you think about switching over to the TFSA before doing the famous move. Because once the move is completed, your loan value left on the margin will drop. Personally, I try to only pick non-registered stock that have a low loan value.

-I like to pick non-registered stocks that are dividend payers.

-While proceeding with the contribution in kind over the phone with your broker to the curious question lower or highest level, I suggest to always ask for the lower value, that way, you'll have more room left to make even more investment inside the TFSA!!!

The TSX begins the year in fire and so does Donald Trump

So far, 2017 start the right way. And its very strange because whenever I don't feel it right, the market react very often exactly on the opposite way. If the stock market would be a male, we wouldn't be sexually compatible. I would be left without a lover. Like not at all. On a more serious note, Donald Trump is in my opinion playing with fire and is provoking the leader of North Korea by publicly declaring that North Korea doesn't have the technology it take for their nuclear weapons to reach the US. It take a very incompetent leader to declare such thing. And it scare me to death because its now official like it never been before; Donald Trump is going to drive us crazy!! Its like a Third World War is on the making. Maybe North Korea won't be able to reach the US, but it could hit on South Korea or Japan.

For people of my generation, grandfathers, grandmothers lived the Second Word War. Our parents lived under Korean and Vietnam war, and now, what is coming up for people of my generation could be much worst. We could believe that after so many loses their lives and that we still carry  Syria is already devastated. It could take not that much to provoke a world conflict under Trump.

During the US election, I was mostly in favor of Donald Trump because I just couldn't stand the Clinton. And I taught that Donald Trump would had calmed down once he had the power in hand. Now Trump just keep pushing his luck and if he continues, he could provoked unprecedented conflicts. And he could even get killed.

What is wrong with Donald Trump?

Happy New Year 2017 Investors!

I happily welcome the year 2017. 2016 had been quite major for me. I am praying for a good 2017. 2016 mark my 10 year blog anniversary. After 10 years, its unfortunate, I begin to have quite an history of my own and I am slowly but certainly getting older even if age haven't broke in my skin yet. This being said, 2016 had been the year of the almost $200 000 net worth. I closed the year sitting on a pot of gold of $184 074.35.

In 2016, I realized how bad I can be as an investor - but not in every way. Whenever I try to play a quick buy-and-sell game to make money fast on the market, most of the time, it won't work. It was the case with SWY and my US gun stock SWHC. I cannot be good at everything. Since I began to invest in stock in 2008, my goal was to build a portfolio for the long run, with many many stocks that could take place as beautiful diamonds. This make 9 very long years of investing for the long run, its where my instinct work at its best. I don't make the greatest choices when I picked for the sort term, so I decided to flush on the short term right now and only have the long term in my mind for my 2017 investment brand new fresh year. 

Think about this. In a flash, back in 2014, my net worth was at $101 172.99. 2 years later in grow up to $184 074.35. I haven't invest much in 2016. I expect 2017 to be about the same in term of new investments for many reasons. Two of them would be to leave some money in my bank account for once and try to reduce my usage of margin. But even before paying down my margin, I would be very happy just to have a couple thousands in the bank.