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Sunday, January 14, 2018

Loblaw $25 gangsta compensation for bread price conspiration is cheap shot

I write this post about a week ago, but I guess I forgot to publish it...

After Johnny Hallyday, France Gall is no more. It's heartbreaking. She hasn't the greatest voice, but she certainly has a flare of her own. And more importantly, she has her very unique signature voice, no one could copy her. I like this song, probably her greatest hit from the 80s. I remember listening to that song when I was a little girl, and it always remain like a somewhat fascination.



YouTube is the PLACE to listen to good old songs, but its also a fun place to discover bands that otherwise, you might never listen to. One of my newest find is a cool wicked band of the name of Roosevelt. They have an electric groove of their own and their tunes are all really nice, which you can listen too while reading this very fantastic blog.





Roosevelt even has a cool song title Montreal:


This one is also good.



Now, you are intoxicated for good. Roosevelt is your new love, after me of course.

Its the strangest thing ever, but Loblaw admitted that they have conspired to fix the price of bread since 2001??!!!! And now, to compensate us, poor consumers, Loblaw is now offering a $25 card. The offer started today, you can click here to register and get a $25 card available to spend in any Loblaw/Provigo store. You'll received the card withing 6 to 12 weeks. If you choose to register in any lawsuit, you'll be able to, but Loblaw warns, the $25 that you received within 6 to 12 weeks will be deduct of any new amount that you may received. Formal lawsuits haven't been launched yet, but I hope it did. If so, it could take a while, but each and single consumers who had bought bread between 2001 and today could received $100, maybe $200. Such amount would be better than just a $25. Or at least a $50. Anyhow, I happily register to get my hand on a free $25, especially now that I am dealing with a super compress budget for the next 12 months. Its going to be rough and tough.

Sunday, January 7, 2018

Save money while you can: precious money, precious saving

A new year always welcome new dreams – in my case it’s to hit the 300k net worth by the end of the year 2018. It’s doable, but only in a good stock market environment. 2017 had been so chaotic, it’s quite difficult to predict if 2018 will be a good year or not, especially since the status of NAFTA is not clarify by our “friends” in the USA. Overall, 2017 had been a good year for my investments.
I had spent a good two weeks away from Montreal, which was really awesome. Now that I am hitting back in my regular days, my 2018 resolution is to spend less. I always been a good saver, but in some occasions, I spent more than I should, especially for clothes, make-up and hair products. Hair products is my ultimate weakness, as well as make-up, lipsticks…… Being a girl involved much more spending than just being a simple guy. From the moment we are born, girls face many challenge.

Knowing I closed the year 2017 with a net worth of 221k – I am just so close of the 300k, it would be just very stupid of me if I wouldn’t be trying to save all the money I possibly can in the year ahead. The half million could be all mine by the time I turn 40 – but at probably the only condition that I hit on the 300k this year. Nothing is impossible. There’s no magic trick, saving money is super hard, but I am a natural at it, as I know exactly what are my weaknesses. And ever since my salary start growing, I had become more and more of a spender. It’s something really normal, anyone goes through such things. My 221k is more than I ever taught I could ever have, so why pushing more?
Well for many reasons: the more money you have, the better, 221k is not that much, and I don’t have too much in term of cold cash saving in the bank. And I would like to have a real $300 000 of my own. So why not?

Just the fact that I stop coloring my hair is helping a lot. Visit to the hair dresser and products for color hair are just very expensive. My natural color is showing more and more. After all those years, I had forgot what it was looking like. And it’s not ugly. For my part, I am really done coloring my hair. It’s just too much time and money consuming.

Once I get myself into something, I am getting in completely. And it should be the same for you. Some expose the art of saving money very simply: make your own coffee, bring your lunch to work… Good tips, but to be really efficient, you need to go much deeper than that. That’s why I am writing the following post. We are going to explore some very personal ways that your favorite Dividend Girl has to save money.

1 – Establish your monthly budget

Establish a sharp – but not too sharp budget – this means, establish a realistic budget, that include all of your needs. To do so, you need to know where your money go every month. And after that, try to spend less than plan every weeks.

First, establish your monthly basic budget:

MONTHLY BUDGET
Grocery: $280 - $70 per week
Coffee: $60 - $15 per week
Rent: $665
Internet: $45.34
Cell: $40.24
Weekend money: $20
Gym membership: $14.38

TOTAL : $1 124.96

$13 499.52 for 1 year: very basic fix needs

Your monthly budget should include all your fix charges, like cable if you have it, cell phone, rent, etc…. In my case, the fix charges are limited to a few things. The less you have to pay out the better. This is for the basic expenses. As you doubt, other expenses need to be taking into consideration. But let’s talk money first.

2 - How much do you normally earn in a year
INCOME
In this section, you need to include all your sources of income: job (but only after taxes), online income if you have any and of course, dividend earnings.
Job (after taxes): $35 300
Online: 500 $
Dividend: 7 980 $ (approximately, I didn’t have time t update my dividend income yet)
TOTAL: $43 780

For 2018, I estimate my income to be of $43 780.

Let see how money I will have to play around and to invest:
$43 780 (income) – $13 499.52 (very basic needs): 30 280.48 $

This means I have left $30 280.48 to do whatever I want with it.

I have calculate my very basic needs, but that’s not exactly realist to what I will be spending in a year. Because other than my basic needs, I have other sphere of expensive. In other to track them, you need to know yourself. Do you know how you spend your money? I do. And it’s how it goes for me:

3 - Money spend on vacations
VACATION:

Cuba: $1 370                                                                                        

Easter vacation: $350

Summer vacation: $3 000

Extra spending during the summer: $200

October vacation: $350

Christmas: $820

TOTAL for vacations: $6 090

Establish a budget for your vacations is really essential.

3 - Other regular living expenses

And now, you need to write down all of the other expenses that you’ll be doing in the year ahead.

OTHER EXPENSES:

HAIR CUT: 5 times this year @ $40: $200

CLOTHES: $1 200 - $300 per season, not much, but I already have plenty of clothes…

CLEANING PRODUCTS: I always buy them at Dollorama. To clean my apartment, and floor, I like to use Pine-Sol, it’s at $2.50 at Dollarama. I never calculated how long a bottle last me, same thing for dish soap, windex or cleaning products for the bath room. I estimate 2 products at $3 each per 2 months and 1 product at $3 per month: $72

TOILET PAPERS: $10 per 2 months (let say...): $60

LAUNDRY TICKETS FOR CLOTHES: $6 per week: $312   

LAUNDRY TICKETS FOR SHEETS: $6 per 2 weeks : $144

LAUNDRY SOAP: $10 per 2 months: $60

VITAMINS:
Jamieson 100% Complete Multivitamin for Women: $16 per 2 months: $96
Caltrate with Vitamin D3 Soft Chews Chocolate, Bone Health Supplement, 600 mg Calcium: $102
Jamieson Magnesium: $56

ADVIL: $54

F PADS: $144

BODY SOAP: $27

SHAMPOO AND CONDITIONER: $144

MAKEUP: $480

DRIVER LICENCE RENEWAL: $91.33

Total of the OTHER EXPENSES: $2 042.33

Those are all the expenses I can possibly think of. Let see what is now left for investment purposes:
INCOME – BASIC MONTHLY NEEDS – VACATIONS – OTHER EXPENSES = MONEY LEFT TO INVEST AND SAVE
$43 780 – $13 499.52 – $2 042.33 : $22 148.15

In my current situation, I have the possibility to save approximately 22k this year – and even more if I get myself into it. I cannot cut anywhere in the vacations section, so I am looking forward to cut in the expenses.

Example of what I can do to save money – other than bringing your lunch to work:

For one week, let say that I don’t buy any coffees at work: I will save that way $15. Let’s plan a no coffee week once per month, I will save that way: $180

I had fix my grocery shopping at $70 per week. It will be difficult, but I can certainly lower that bill 2 weeks per month by certainly $10. Money save on a year: $240

In my monthly budget, I had put a $20 each week as weekend money. Let say that 2 weeks per month, I only spend $10 instead of $20. Money save on a year: $240

For the closing expenses, instead of spending $300 per season, let’s skip the spending for the winter season. Money save: $300

With all those below, I could save an extra $960 a year. It’s not 22k, but 23k that I could have at my disposal for investment.

The trick is to spend as less money possible, but reasonably, and to do so, you need to keep track of all of your expenses. Personally, I wrote them down inside my agenda.

One of the not easy point is grocery shopping. What I like to do before going, is to plan the recipes I will do for the week. And I only buy the items needed, to which I add a few things like the usual bread, milk, eggs, apples.

I hope all those tips will help you succeed at the difficult task of saving money!

Friday, January 5, 2018

F USA now responsible for cannabis stocks drop out: and what's next???

For a moment, I taught that nothing was going to stop our Canadian cannabis stocks from growing. Something happen with the US regarding the legislation of marijuana. But who care? I don't. Why our special pot stocks had to lose massive value in result? This is all so screw up. As you know, I took part in the cannabis game not too long ago by investing in Aphria Inc. (APH). I decided to sell APH just before leaving for my vacation. I was going home in New Brunswick for more than 2 weeks and I was feeling anxious because I wasn't going to have access to Internet everyday to check out on my precious stocks. Investment of the type of APH are super volatile. So I sold all of my APH stocks before leaving just to calm me down. And I was happy to have a few extra bucks to pay my bus ticket because I had spent a lot of money in the past few weeks. I also book a trip to Cuba in February, so I am now dealing with a super tight budget on EVERYTHING. 

I am just acting like a very good girl right now, not coloring my hair, and not purchasing any makeup or clothes and I am suffering, especially for the hair. The more my natural color is showing up, the more I want to disappear. I don't know if I will be able to stand it for really long. I am pushing down on the saving money button like a sexy freak. And my only excuse is the willingness to save over $20 000 this year and hit on the magic $300 000 net worth for 2018. Quite ambitious, but not impossible. I am planning on a little post on how to do a budget this weekend. My way is like no others, you'll learn how to stretch your dollars like a real saver. I think people underestimate the power of budgeting for the long run. January is the perfect month

On a day like today, the TSX is showing me all of its love to her very favorite investor and that's being me. Today, my non-registered portfolio closed the session at $185 737.08.

After investing for a couple of years, you get to know a certain feeling on what's good and what's bad for you. Personally, I cannot live long holding super volatile stock inside my portfolio. I felt that Aphria Inc. (APH) was just too volatile to remain in my portfolio while I am away.

Saturday, December 30, 2017

Closing the year 2017 with a net worth of $221 989.65


2017 had been a good and rewarding year for the TSX and its investor, but its been rocky and nothing had been made in silk sheets. At least not this year. The TSX closed the year 2017 hitting on the 16 209.13 points. Now, if the TSX can just continue to push a little, we could be hitting on ahead for the gold road and maybe the TSX could hit, for the first time in history, the mark of 17 000 points, and maybe even more by the end of 2018.

Personally, all I ever wanted so badly for 2017 was to finish the year and proudly sit my sexy ass on a 220k net worth and guess what, this fabulous Duchess got what she wanted! Earlier this year, back in March, I was reaching, for the first time ever, $200 000 in net worth. I closed the year 2017 with a net worth of $221 989.65, on which I am satisfy. My total investment value is of $318 544.64. My margin debt is at $96 554.99.

Now that I am about to open the year 2018 on almost $222k, the dream of a $300 000 net worth doesn't seem so far away. For 2018, I may be able to save about $22 000. It makes $244 000 right there. And following what, I just need 2-3 new good investments and a big push from the TSX - can we hope for a 23% gains for the TSX is 2018? If the answer is yes, super babe is just going to have what she wants one more time: a $300 000 net worth for 2018. So LET'S GO.

The story will only end at my death, but let's hope for the best in 2018.

My investment portfolio on date of December 29, 2017

Non registered Investments:
Cold cash: $5 225.05

  
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.20
Bank of Nova Scotia (BNS): $9 733.20
Blue Note Mining Inc. (BLNMF): $0.50
Methanex Corporation (MX): $7 824.91
Fortis Inc. (FTS): $5 485.90
Pembina Pipeline Corporation (PPL): $27 300
Enbridge Income Fund Holdings Inc. (ENF): $11 156.25
Corby Distilleries Limited (CSW.A): $2 912
Premium Brands Holdings Corporation (PBH): $48 246.03
iShares S&P/TSX Capped REIT Index (XRE): $2 554.86
New Flyer Industries Inc. (NFI): $5 820.12
TMX Group Inc. (X): $562
K-Bro Linen Inc. (KBL): $4 133
WesternOne Inc. (WEQ): $15.20
TransCanada Corp (TRP): $1 528.75 
Canadian National Railway Co (CNR): $9 326.70 
Enbridge Inc. (ENB): $1 376.48
Agrium Inc. (AGU): $6 635.96
Canadian Utilities Limited (CU): $1 564.50
Black Diamond Group Ltd (BDI): $59.25
Emera Inc. (EMA): $1 173.75
BCE Inc. (BCE): $1 327.70 
Saputo Inc. (SAP): $1 806.80
Lassonde Inc. (LAS.A): $2 480.10
Loblaw Companies (L): $818.52
Savaria Corporation (SIS): $9 248.53
Canadian Imperial Bank Of Commerce (CM): $3 672.60 
ATCO Ltd. (ACO.Y): $2 695.80
Jamieson Wellness Inc. (JWEL): $2 210
Northland Power Inc. (NPI): $2 330
WSP Global Inc. (WSP): $2 986
Aecon Group Inc. (ARE): $1 990
BMO Bank of Montreal (BMO): $2 011.60
National Bank of Canada (NA): $3 134

TOTAL: $184 121.21

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 589.36
Coca-Cola Company (The) (KO): $1 561.96
Cash: $66.06

TOTAL: $4 067.09 CAN     

Tax-free savings account (TFSA):

EnerCare Inc. (ECI): $61.35
Dumont Nickel Inc. (DNI): $24.40
RioCan Real Estate Investment Trust (REI.UN): $851.55
AltaGas Ltd (ALA): $856.20
CT Real Estate Investment Trust (CRT.UN): $1 445
Canadian National Railway Co (CNR): $4 145.20
Exchange Income Corporation (EIF): $35.47
Firm Capital Mortgage Investment Corporation (FC): $520.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 762.72
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 314
The North West Company Inc. (NWC): $1 500
Andrew Peller Limited (ADW.A): $2 640.10
Canadian Imperial Bank Of Commerce (CM): $10 405.70
Hydro One Limited (H): $2 261.39
Toronto-Dominion Bank (TD): $1 473
Boyd Group Income Fund (BYD.UN): $3 012.60
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 603.30
Data Communications Mgmt (DCM): $6.66
Morneau Shepell Inc. (MSI): $1 998.90
Royal Bank of Canada (RY): $4 106
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 253
Parkland Fuel Corp (PKI): $1 711.36
Park Lawn Corporation (PLC): $1 369.20
Toromont Industries Ltd (TIH): $2 199.20
National Bank of Canada (NA): $2 507.20
BCE Inc. (BCE): $543.15
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 726
Pure Industrial Real Estate Trust (AAR.UN): $1 352
Sienna Senior Living Inc. (SIA): $1 454.40
Boralex Inc. Class A Shares (BLX): $938.80
Richelieu Hardware Ltd. (RCH): $1 573.66
Savaria Corporation (SIS): 1271.9
Cash: $238.20

TOTAL: $64 162.01

RSP investment portfolio:
Emera Incorporated (EMA): $12 535.65
EnCana Corporation (ECA): $1 810.08
Toronto-Dominion Bank (TD): $2 209.50
Telus Corp (T): $2 379
Royal Bank of Canada (RY): $2 053
Savaria Corporation (SIS): $3 670.34
Thomson Reuters Corporation (TRI): $2 188.40
Park Lawn Corporation (PLC): $4 564
Richards Packaging Income Fund (RPI.UN): $1 027.95
Toromont Industries Ltd (TIH): $384.86
CAE Inc. (CAE): $1 628.20
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 389.80
Boralex Inc. Class A Shares (BLX): $1 173.50
Quebecor Inc. Class B Subordinate Voting Shares (QBR.B): $591.25
Cash: $71.04

Total: $38 676.57                         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 833.69                     

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

GIC National Bank: $1 323.10                          

Manulife Fidelity NorthStar GIF CAP B: $1 584
Manulife Simplicity Growth Portfolio: $1 368.01
Maritime Life CI Harbour Seg Fund: $1 197.81
Maritime Life Fidelity True North Seg Fund: $1 255.22
Manulife GIF MLIA B World Invest: $1 232.12
Total: $6 637.16

Other various: $10 288.50 

TOTAL: $60 838.77

Social Capital at Desjardins Membership share: $35
Pending online income: $95.51
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$318 544.64

My debt situation on date of December 20, 2017

Margin account debt: $96 554.99

Tuesday, December 12, 2017

Getting the hands on the big free bucks on the back of Canadian cannabis business

Today was a day of glorious glory and I just don't know if you are ready for any of this. However, since I blog on very everything I do on the TSX for you really own satisfaction, I just have to choice than to fully expose everything.  With a little lady love and attention, the TSX can do a lot. My TSX is a complete achiever. And right now, Aphria Inc. (APH) is working at making me happy. Fact is, whenever you read about investing is too really often really superficial. You don't get to know exactly when to buy or when to sell, or if you should hold. But no worries, its exactly why I am blogging, so you can blow in gain without having to deal with no one else. Its all between you and me.

What I have find out, is that overtime, you get to know the stock market better and the longest you'll be playing in miss shitty TSX, the better it is for you. Overtime, you can get a sense of where things are hitting - without really knowing. For example, just before I sold my HCG stocks, I knew - and I wrote it, saying that HCG was going to make more gains, and it did. And when I wrote that Eric Sprott involving in Novo Resources Corp (NVO) was a disaster, well fact is, it was a a real disaster! Bad investor like Eric Trump and short sellers like Marc Cohodes - just to name those two - are the kind of people you really need to stay far from. Whenever they are involved in a stock, its really important to stay away, because bad guys like Sprott and Cohodes bring only extreme bad volatility to whatever they touch. In other words, they changed everything they touch into really deep dirty shit.

Following Marc Cohodes illicit activities on the TSX, I wanted to go to California and burn his house... but thanks God I got a big chuck of California burning down in the flames of hell for me, and I had absolutely just really nothing to do, just watch. Its all the fault of Marc Cohodes who just push it to hard. Us Canadians, we should be more protective when it comes to our stock market. American short sellers of the type of Cohodes are causing a lot of disturbance on the market, and its really not a good thing. Canada has the best of everything, and trust me, its not because I didn't try to invest in US stocks. Nothing is interesting and more importantly, nothing seem to be really stable in the US. Its terribly hard to find a US stock with a correct chart like the way I like them: all the way up, and who had exceed the before 2008 stock crash value. When I watch this video, featuring Marc Cohodes, all those little fools listening to him... 


Well it make me wanted me hit him soo hard and broke his nose, and make him eat his teeth. Its not right from Cohodes to wear the color of Canada on his pitty self. It will only bring him bad luck on the long run. Marc Cohodes is so fuck up that his story is not understandable. First of all, Marc Cohodes should have enough on his plate with his handicap son and his chicken farm. After a lucrative career, Cohodes decided to come back to bet against our glorious economy. The Canadian stock market and economy is not Marc Cohodes place to be. The TSX is all mine and is my place to shine. And its not true that I will an American pig do whatever he wants on my market. 

Financial blogger are usually quiet, and are so willing to sound professional. But I am not that type of blogger. I am not delicate, I am not kind. No angel, no mercy. I cannot tolerate having a foreigner getting into our really own shit, just leave that for us to take care of. Anyhow, Americans are well-known to be dumb-dumb, we'll see how smart they'll look when North Korea will finally attack them. Fires in California participate in making the US less of a nation. Trump doesn't believe in climate change, and during that time, US healthiest state is burning to the ground. Destruction lead to destruction and as far as I am concern, seeing all of those really rich properties burning down - it may how things are supposed to be.

My stocks are my hot babies and I love them like if they would be an extension of my soul. They live, they grow, and they are fully alive. And currently........ my non-registered portfolio hit on the magic $186 410.23 chachacha. There's just no end to my luck and its not anytime soon that I will be giving up. Aphria Inc. (APH) for its part is really ALIVE. I had been pushing for the case of APH like a real drug dealer. And money is easy with APH. The stock gains more than 10% so far inside my portfolio. Can this last? My true opinion is YES, and APH has even more place to grow. IF you have money doing nothing right now, the best thing I suggest: invest in APH NOW. A couple thousands, buy, watch and see it for yourself

I wanted to be invested in something concerning cannabis because right now, marijuana is the real deal. Don't overpass this opportunity, money is just too easy. It was important for me to be involved in the medical aspect. Yes, APH is mostly focus on the medical side, but soon enough, APH will also be involved in the entertainment side and soon enough, you'll find your favorite girl with a big fat cannabis joint in her lipstick mouth, skipping up work to day trade the new Canadian gold: WEED.

This is going to be fun. ;-)

Monday, December 11, 2017

Aphria Inc. (APH) gains 2.43% inside my non-registered portfolio


Good news, I estimate my net worth to be at $218 000! My non-registered portfolio closed today session at $186 042.22, my TFSA portfolio at $63 487.59, and my RRSP portfolio, stocks only, at $38 222.78.

I still have chances to hit on 220k by the end of the year, but its going to be only by chance, and I may not even be here to figure it out and celebrate, since I will really soon be away on vacation. So next portfolio update probably going to happen only in 2018, and its only at that time that you'll find out if I made it or not to the magic number. After getting on the $200 000 net worth earlier this year, it would be to great to close this year with a clear $220k. But please, let's hope that it happen in the next couple days so I can enjoy it and be as fresh and aroogant as I can possibly be.

These days, there seem to be no end of my luck. Currently, After getting on the $200 000 net worth earlier this year, it would be to great to close this year with a clear $220k. So far, Aphria Inc. (APH) gains 2.43% inside my non-registered portfolio. Right now, all of my latest investments are in my profit zone: BMO, NA, ARE, and of course APH.

While dreaming of my 220k, I already got my suitcase ready for my vacations. Christmas gifts had been bought a long time ago. I am really all set and I am simply waiting for time to fly by and go home. Thank you and goodbye Montreal... at least a couple of days.

Thursday, December 7, 2017

Aphria Inc. (APH): the newest hot sexy player of my non-registered portfolio

It feel good to have my TSX baby exceeding the 16 000 points - ONE MORE TIME. I can do a lot, but without a stock market in good shape, I cannot do much. In result of today $$$, I estimate my net worth to be sitting on a nice rock of $217 818. The ultimate fun would be to make it to the $220 000 net worth. I can make it, but the TSX will have to go a bit higher. The new gain so needed won't come from my own money because I just don't have any right now. Its going to be harder than expected to actually trade on my latest dividend stocks.

BMO is already up inside my portfolio. My plan was to actually wait for a little while and sell at profit... But its just too hard to sell good stocks that actually go up AND pay an interesting dividend.

On the other hand, Aphria Inc. (APH) is crashing my little heart in its hands just like I would be.. toilet paper?

lol

Lala. APH is going all OVER the place, so watch up.

I am confident APH will learn to behave among to way because that stock, is now mine and I control it.

Tuesday, December 5, 2017

Welcome in my non-registered portfolio Bank of Montreal (BMO) and Aphria Inc. (APH)!


While writing this post, I learned that Johnny Hallyday died!!! Its just so sad. Hallyday was just the pure artist, one of the greatest singer of the world.



The end of 2017 is coming in a hurry and I am just at a point where I am running in circle like a little hamster, not knowing exactly what do to about it!!! Its exciting and exhausting at the same time. I am doing the best I can. I bought today a 2018 agenda. Next year, I will be turning 38. I am just not exactly ready for that or for nothing at all. I may not have that much in term of net worth, but I do appreciate great genetics and I don't see differences between the me of now and the me of when I was 27. 38 years of age is nothing, but a dirty sexy 40 years old of age, that's going to be something my dear friends. No booty or boom jobs required - at least I can keep the money to invest. I am not exactly slim despite spending long hours at the gym. 

Genetic is absolutely smart. Fact is, I need some substance on those bones to protect myself from the stock market stress. And I need to eat junk once in a while, I cannot only eat healthy all the time, really impossible for me. God gave me the perfect protector, like a hallow. You can't ever get ready for any life events, even if you really want to. You have to build yourself with what you are lucky enough to have, whether its money (because you had been born with a silver spoon in the mouth - not my case), or body strength or super fresh temper or a great hunger not for success, but for money itself, in its essence, and nothing else.

I am absolutely ready for nothing, but I am ready to burn in the flames of the TSX because I made some other investments today. I was just laughing at myself, crazy bitch. This is just strange knowing I was more in a direction to pay down my margin. Its really what I was to. But no! STOP! I want money, I want dividend! Welcome again, big fat margin! Go go go! Do you feel all of my excitement right now?

May God protect my poor little soul from my madness, and sometimes, God is really the greatest.

Let's begin with Laurentian Bank of Canada (LB). Back on November 21, just a few days ago actually, I decided to sell all of my LB shares. Laurentian Bank was having trouble with syndicate employees. I learned the LB is the only Canadian bank to have syndicated employees. Why a syndicate? I am against syndicate when the power of a CEO cannot be fully exploited. So I sell my shares.  And I don't regret the move!

Today was supposed to be a perfect day for Laurentian Bank of Canada (LB). LB announced super good profit. And I was really impressed. However, I didn't place any buy order on LB - again, just super good instincts. During the day, LB hit the $62.90 per share. However, some strange news came by and LB closed the day at $56 per share. You can read about the story right here. It didn't took long for that clown of Marc Cohodes to retweet the story regarding LB. I cannot stand the man for 2 minutes.

Maybe I shouldn't do, but today, I invested, using my margin money, in some Bank of Montreal (BMO). BMO increased its dividend. Its profit decrease, but I am confident BMO can catch up. After all, I said that I was going to get rich on Quebec Inc. shares, and so it will happen later or sooner.

I am not in favor of the legislation of the marijuana, but I am in favor of the legislation of marijuana for medical use ONLY. For those who are in need and are suffering, marijuana can help and do a lot of goods. Marijuana oil is also a powerful medication. Recently, actually just yesterday, Aphria Inc. (APH) announced the company will become a medical cannabis supplier to Shoppers Drug Mart.Will APH be the only single medical cannabis supplier to Shoppers, that, I don't know, but it was time I get in the marijuana sector and APH obey to my ethic so let's go Aphria Inc., show me what you got deep inside.
 

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