Air Miles got rid of the Orleans Express travel certificate

I used to order some travel certificate with Air Miles. I travel by bus a couple of times a year to visit my family in New Brunswick. I only had one travel certificate left so I taught about ordering some this evening but unfortunately for me, Air Miles no longer offer the 40% travel certificate for Orleans Express and it kind of suck, oh yeah - especially knowing that I only have one travel certificate left.

For only 50 miles, I could get a 40% rebate on my bus ticket. I used to save I guess around $40-$50 per 2 ways ticket so I am very disappointed. I had been ordering those for many years now, but the fun had come to an end and I am not very interested by the Air Miles anymore because it was my only interest. So I guess I can finally stop using my BMO MasterCard and switch to another card. I will need to check on the options.

Turning 34 in 27 days so be ready

Unfortunately, my non-registered portfolio pull back to the 137k value. Despite everything I wanted for my portfolio, I didn't buy anything else and its probably the best decision I could take. After reading and reading again about an upcoming correction, I began to think it was all a joke... but maybe not after all!

Time is passing by too quickly, the month of July is already gone and in 27 days, I will be turning 34... what about that? I already bought myself one of my first birthday gift - a little necklace I bought at La Baie downtown tonight. I probably give you a picture of it later on.

Knowing how rough its going to be on the market - its already rough - I probably going to try to concentrate on paying of my student loan and I will try to leave a 1k on each of my bank accounts to get rid of the fee. To do so, I just need a bit than a $5 000 - almost nothing at all. I would be nice to clear my student loan debt before I hit... 35. That will be next YEAR.

My new necklace is very pretty, I will wear it tomorrow. And tomorrow is FRIDAY thanks you God for another summer weekend.

My experience at Au Pied de Cochon Food Truck

For the really first time ever, my non-registered portfolio pop the 138k mark! I closed today session at a good $138 253.16. The $140 000 portfolio is not too far away. I didn't know that until now, but let say I celebrate the big boom at Au Pied de Cochon! 

I watch a TV show last night, Les Chefs at Radio Canada. Its a French Quebec TV show were cooks compete between each other. And the special guest was Martin Picard, who run Au Pied de Cochon. Yesterday, the cooks had to do a poutine au foie gras and a twist hot dog home made. It was fun to match and it gave me the idea - I guess like many others - to check on where could be the Au Pied de Cochon food truck today. They have Facebook page where they display their schedule and emplacement. Today, the food truck was at McCord Museum right downtown, the perfect and easy location.

I order a number 2 special but unfortunately for me, they didn't have any Maple soda - I had to switch for a bottle of water - and they didn't have any petite bricohe sucrée (that's a dessert) - I had an unwanted switch to the oreilles de crisse... And I also had a poutine au foie gras (wanted) and something they call a verrat (kind of a pogo that come with a sauce of your choice - I had picked cheddar). The poutine au foie gras came in a small portion - but was very good. All together, the meal was quite heavy.

I am very curious about the maple soda and the brioche sucrée of Gabrielle, so I guess I will have to go back by the end of the summer, and I will try to take a few pictures at the same time.

Could Input Capital Corp. (INP) be my next fabulous?

My non-registered portfolio complete the day at $137 948.72 - so close of the $138 000, its amazing. Lately, I chat a bit on ways to make easy money quick and easy, one way, with Lumenpulse Inc. (LMP), the other way, on JFS.UN. Great, but something catch my attention today on the Financial Post.

There was that article about Input Capital Corp. (INP). Basically what the article say is that INP could easily double in value in a small amount of time... After reading about Input Capital Corp. (INP), I began to feel the say way I did for Lumenpulse Inc. (LMP) a little way back - a must have for quick easy cold cash. INP have something like 6 ranks Buy at TD Waterhouse.

I find Input Capital Corp. (INP) quite interesting. When you hear the name, you could think oh no, not another mutual fund company! But no-no-no. Input Capital is a bank for farmers. They help friendly farmers to expand their business and stuff. Sound interesting? Oh yeah!

Lumenpulse Inc. (LMP): the new Quebec gold mine

My non-registered portfolio hit on the $137 447.52 value today. I have more than 15k left on my margin and I am very tempted by investing a 2k inside my TFSA. I previously explain how I made $500 on JFT Strategies Fund (JFS.UN). For my next investment move inside TFSA, I am still interested by JFT Strategies Fund (JFS.UN), but for now, I have a different plan.

Currently, the Canadian stock market is a real summer paradise. My portfolios are performing well, great dividend and great capital gain overall. For now, the stock market is easy. Its the perfect time to move forward into a brand new investment plan. JFT Strategies Fund (JFS.UN) will always be hot, but right now, I want to make quick and easy cash.

I first invested in Lumenpulse Inc. (LMP) back in late April of this year and not even 3 months later, I made $111 on my investment. If I can make $100 every 3 months on LMP, I will be very happy. It may not be the case, but I think LMP is on a good position to bring generous cash to investors like the Dividend Girl if you see what I mean.

No one can know for sure, but I think that Lumenpulse Inc. (LMP) is a safe bet. With no dividend distribution, LMP can only be trade for the real cold cash.

Make some easy money by investing in the JFT Strategies Fund (JFS.UN)

Getting back to work after a vacation is always very hard. I find it awful to go back in the beat after a week. And even worst after a 2 weeks break, but its how it is for now. But no job mean no money and I need all the money of the world, especially now. I keep reading a bit everywhere about the probability of a stock market crash, a deep correction that could take away 25-30% of the current market value. I had been reading such news for a little while now. With my last paycheck, I had a $1 400 available and I decided to put the cash away to decrease my margin a bit. When the market crash, I hope to get my hands on cheaper stock.

At this point, its not too hard to control myself not to invest in anything because I didn't have any new investment in mind. When I saw I had a $1 400 available I wanted at first to transfer that money + $600 from my margin over my TFSA and make a 2k investment in the fabulous JFT Strategies Fund (JFS.UN).

I had been holding on to some units of JFT Strategies Fund (JFS.UN) since its initial public offering. I first heard of Jean-François Tardif a few years ago when he was still working at Sprott and of course, his performance on the stock market is what got me. And not too long after that, Tardif retired. During that time, I knew he wasn't going to stay away for long. When you had taste glamorous performances, interviews and everything else, can you really stay away from that for long? My answer to that had always be no. When you are a good fund manager, a real one remain in maybe not for life, but for a veryyy long time. The waiting time had been long, but when I learned that my Jean-François was coming back, it didn't take me long to call TD Waterhouse and jump in the IPO of JFT Strategies Fund (JFS.UN). Just sooo terribly smart move!

This time was more interesting to me because when Tardif was at Sprott, the fund he was managing wasn't accessible to small investors: it took $100 000 to enter into his fund. Now, everything is different and JFS.UN is better than any high fund or mutual funds because its easily accessible to any type of investors on the stock market. You can buy and sell some JFT Strategies Fund (JFS.UN) units anytime when the Canadian stock market is open. And I love that accessibility and it match perfectly well Tardif persona.

In a certain way, Jean-François Tardif shares a lot of things with Francis Chou. You won't read a lot about them, both are really not stars wanna be like Eric Sprott, but both are sooo mucch better than Eric Sprott in so many ways! F gold and silver.

Funny thing is that I almost the only blogger who keep writing about Jean-François Tardif so when I try to find out on Google if anything is new about him, well most of the time, I hit on my very own blog in my search results and it make me laugh every time. aha!

The JFT Strategies Fund (JFS.UN) doesn't pay any dividend but that doesn't really matter. I had explained already how I made $500 after commission on JFS.UN. But I am going to explain again to make sure everyone can understand how you can make $500 by $500 without having to do much.

The key is capital gain. But first, you have to know a bit of Jean-François Tardif history. When he was at Sprott, his fund was among the top performer in Canada and the crash of 2008 didn't change that. So what you got by investing in JFS.UN is precious. Not too much managers can exceed the TSX performances and not many of them have the power to protect the value of the money during rough time, and rough time could be ahead soon in a couple of months or less.

So this is how to make big bucks on the JFT Strategies Fund (JFS.UN). Try to get together a $2 010, get the money transfer if possible into your TFSA. By for 2k worth of JFS.UN units. Wait until the investment hit on $2 510. And when it does, sell for $500 value of JFS.UN units. Don't sell the initial 2k investment, that's your investment cash cow money. Repeat the operation every single time your JFS.UN invesment hit on the $2 510 value. Et voilà, that's how to benefit from the JFT Strategies Fund (JFS.UN). And the benefits are better inside the TFSA.

In my case, I made the operation inside my non-registered portfolio. I will have a bit of tax to pay, but i spend a bit during my vacations and I was in need of money. I would love to invest a 2k in JFS.UN inside my TFSA, but right now, my non-registered portfolio seem to be on a decreasing value and I am a bit scare for my margin.

On the other hand, I have $15 000 available on my credit lines and I could - like I did before, transfer some credit line money over my margin and get it back in the credit line one the market close... I did it before, so I can do it again right?

As you can see, I am not done dealing with my demons.

And Jean-François Tardif is my demon so stay tune because you can't really know what could happen next. Watch for it.

Thank you for the free cash Jean-François Tardif

Once again, the automatic sell order I had set up at TD Waterhouse didn't go through and I am quite upset about it - I will explain why. Anyhow, since I am in vacation, I just watch at the  JFT Strategies Fund (JFS.UN) value now on TMX.com since TD Waterhouse is not reliable and tadammm... it was at $12.55. THANK YOU Jean-François Tardif for the "free" labor! I have to say that currently, TD Waterhouse is giving the value of $12.55 per unit to our famous JFS.UN. I once wrote that I was using Jean-François Tardif as cash cow and that's what I did. I wouldn't mind to use him as lover as well but that's something else.

Anyway, noticing that JFS.UN was at $12.55 on both platform, I look at my account activity but the order wasn't going through!!!! So I cancel the automatic sell order, went back in my account activity to see if it had went through anyway.. and no... so I made a sell order at the market for a few units (41 actually) of JFT Strategies Fund (JFS.UN) and the order went through right away!

What happen?

Its not that TD Waterhouse is that of a shitty broker --- its the Dividend Girl who is a shitty investor lol

Its because the bid was at $12.51 - the selling price. I sell at $12.51 and I am really happy because I had ranked with over $1k on my credit card and the $500 I collect today will help me to pay for all of my outrageous vacation spending. 

My mom is enjoying her stay and she's currently cooking lunch. She needs to come more often ;-)

JFT Strategies Fund (JFS.UN) hitting on the $12.54

The weather is quite hot these days in Montreal in the same week that my mom is visiting. I renew my sell order for a couple units of JFT Strategies Fund (JFS.UN) at $12.55. And today was so close! JFS.UN hit on the $12.54 per unit. I am just very tempted to change my order to $12.54 and get my hands on $500. It will only happen if JFS.UN hit on the $12.54. But $12.54 work as well. At a one cent different, its not that of a difference. So I decided to modify my sell order to $12.54.

All this is very strange but if I check JFS.UN value over my TD Waterhouse account, according to TD Waterhouse, JFS.UN hit on the $12.55 today... but its not the case when I check on the TSX.com Web site... I pay a commission fee of $9.99 per sell, and per buy moves at TD Waterhouse, but they cannot even come and provide me accurate data for today highest value of JFT Strategies Fund (JFS.UN). Its kind of shitty knowing that a free Web site (tmx.com) provide more accurate data than TD Waterhouse.. Something is wrong. 

TD Waterhouse suck and this time suck for real.

Wanna say goodbye to Sprott Inc. (SII) 4ever

I just came back from a short vacations (pictures should follow in next post) and the TSX ost 100 points today. My non-registered portfolio is at $136 592.08, it didn't bother much, but if the TSX go lower, I will do lower too.

There's been a halt trading apply on Sprott Inc. (SII). From what I understand, someone somewhere is looking to buy for 60 millions worth of Sprott Inc. (SII). Could Sprott Inc. (SII) hit on the $10 per share like in the old days? Hummm... maybe. I try to place a sell order for $10 per stock but TD Waterhouse didn't want to take the value saying the price difference between the current less than $4 per share and my expected $10 was too high. That stupid TD Waterhouse broker is costing me a f $ 9.99 per operation and the f system doesn't want to execute my orders.

My mom is coming to Montreal soon and I already have enough of that family things. For what I have left as vacations, I want the days all for myself with no one to visit and chat because I have too. it begin to make too much of proximity for my taste.

I am f selfish rich bitch. And rich bitch only get richer. f

lol

In the sunshine, the TSX hit the 15 000 marks

This morning, I found a $5 buck on the ground. It was there in the ground waiting for me. I couldn't believe my eyes!!! But there was other people around. It seem I am the only one looking at the sidewalks for money.. So I got my morning coffee for free. I once find 2 bills of $20 that way outside a bar. It was my happiest find ever. I find $5 sometimes and other times I find metro passes. And I also pick the 25 quarters that hit my road, but I never move for a one cent black penny. I wish I could find a $5 bucks every single day and get my morning coffee for free.

My non-registered portfolio is now at $137 358.53 and my margin value left exceed the 14k. Is there anything else I could ask for? I got a bitch fired at work, but it wasn't intentional from my part. It just the circumstances that happen that way. And it make something to write about. I didn't update my dividend income in a little while. And here its why.

After work I go home, get change, eat, generally cereals and I go do my walking on the Mont-Royal. I walk all the way to the top and I walk back. It make a 2 hours and 30 minutes quick walk. The first few times was hard but now its getting easier and I like to be in the woods like the city was no where close. There's so many people jogging and men just willing to show it all, its unbelievable.

Now that the TSX is hitting over the 15 000 marks for good, I am having some wet dreams about if I will be losing it again.

$137 514.25

Its hard to believe, but my non-registered portfolio is hitting on the $137 514.25, leaving me with a nice 

$14 024.09 value on my margin, very close to the 15k mark I need to feel somewhat secure about my margin. I am getting ready to spend a few days away of the outrageous city of Montreal. I got my hair  cut this evening just after I bought my bus ticket and my curly hair are outrageous soft. 

The weather was hot in Montreal today, but even without air conditioner, I am not too bad. A cold beer just do the thing and a shower tomorrow morning but a shower alone, unfortunately. My sex appeal doesn't work over Quebec males because I hate Quebec too much, unfortunately. I am full of shit and men can feel that, deeply under the skin, there's the shit. lol

I am over impress by my portfolio value. The TSX just continue exceeding the 15 000 points, making me feel crazy like in 2008, back in the time when I was just a hot 28 years old. But I like my life better at 33 because I am richer. I just hope to be still wrinkles free by the time I am 33.

Its even hard to believe that one day my non-registered portfolio will be at 140k but shit use to happen, what is meant to be will just happen and one day, Quebec province will just be a souvenir. A bad one.

Welcome in my non-registered portfolio North West Company Inc (NWC)

I like everything related to the energy sector, the North Territory, the Wild West and of course, home, the Maritime. And welcoming North West Company Inc (NWC) in my portfolio this past Friday was quite rewarding. But after this new investment, once again, I am not quite sure that will be my next investment. I am thinking of getting back on a DRIP on everything, but I enjoy getting the dividend money in cash each month so that will represent quite of a sacrifice. But I plan to do so.

This past Friday, the TSX pop up the 15 000 points, just like where we were back in 2008. Will the stock market crash again anytime soon, like if the 15 000 mark is the mark of the Devil, of the capitalist many failures. And when I think of 2008, I cannot help it but getting back into that same state of mind of when my portfolio hit on the ground as the TSX was losing points like crazy... I didn't have any problem about moving on, I felt an urgent need to invest more to cover up the mess. I was upset that it had to happen just when I was jumping into stocks, just shortly after I began working on a stock portfolio. If a crash would need to happen again, I would just repeat the same thing; invest even more because in a crash, its the best way to face off and capitalist is such a bitch that it win every time.

My non-registered portfolio is at $135 786, with $13 364.60 left on my margin. I very tempt to transfer my National Bank stocks over my non-registered. To keep the fun safe, I need a 15k margin left, and if possible even more but a 15k is much more what I am looking for. Just a 2k is needed. I feel the obligation to protect my margin in case a crash happen, or even just a tiny correction.

I don't like that TSX at 15 000 points because it make me think too  much.

My investment portfolio on date of June 14, 2014

Non registered Investments:
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.22
Blue Note Mining (BNT.H): $2
Bank of Nova Scotia (BNS): $7 755
Hanwei Energy Services (HE): $19.50
Methanex Corporation (MX): $6 813.45
Fortis Inc. (FTS): $3 459.66
Pembina Pipeline Corporation (PPL): $20 619.06
Just Energy Group Inc. (JE): $4 878.27
Pengrowth Energy Corporation (PGF): $1 720.4
Enbridge Income Fund Holdings Inc. (ENF): $9 406.54
Corby Distilleries Limited (CDL.A): $2 403.50
Davis + Henderson Corporation (DH): $6 752.16
Premium Brands Holdings Corporation (PBH): $9 648.54
EnCana Corporation (ECA): $5 512
iShares S&P/TSX Capped REIT Index (XRE): $2 494.80
Horizons Gold Yield Fund (HGY): $1 302.03
Canfor Pulp Products Inc. (CFX): $1 315.44
New Flyer Industries Inc. (NFI): $1 312.20
Exchange Income Corporation (EIF): $4 922.44
Colabor Group Inc. (GCL): $381.48
TMX Group Inc. (X): $472.16
K-Bro Linen Inc. (KBL): $3 842
Westshore Terminals Invest Corp (WTE): $6 681
WesternOne Inc. (WEQ): $3 074.20
First Majestic Silver Corp (FR): $1 039
Kinross Gold Corp (K): $673.46
TransCanada Corp (TRP): $1 272
Canadian National Railway Co (CNR): $6 111.90
Firm Capital Mortgage Investment Corporation (FC): $492.40
Enbridge Inc. (ENB): $1 429.68
Agrium Inc. (AGU): $2 557.36
Canadian Utilities Limited (CU): $1 654.80
Crescent Point Energy Corp (CPG): $1 031.36
JFT Strategies Fund (JFS.UN): $2 480
Geovencap Inc. (GOV.H): $0.40
Black Diamond Group Ltd (BDI): $857.75
Emera Inc. (EMA): $843.75
Cineplex Inc. (CGX): $1 023.75
Barrick Gold Corp (ABX): $734.80
BCE Inc. (BCE): $1 086.80
Stella Jones Inc. (SJ): $619.80
Saputo Inc. (SAP): $1 237.40
Toronto-Dominion Bank (TD): $1 083.40
Lassonde Inc. (LAS.A): $1 090.20
Loblaw Companies (L): $567.72
Lumenpulse Inc. (LMP): $955

(LB): $983.20

(NWC): $1 172.50

TOTAL: $135 786.48

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 227.74
Cash: $4.12

TOTAL: $1 231.86

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $36.06
Dumont Nickel Inc. (DNI): $115
Sprott Physical Silver Trust UTS (PHS.U): $1 733.27
Sprott Strategic Fixed Income Fund (SFI.UN): $371.50
Healthlease Properties Real Estate Investment Trust (HLP.UN): 
$1 045
RioCan Real Estate Investment Trust (REI.UN): $967.37
Precious Metals and Mining Trust (MMP.UN): $498.60
Sprott Inc. (SII): $3 460.55
Chorus Aviation Inc. (CHR.B): $644.28
Data Group Inc. (DGI): $551.42
AltaGas Ltd (ALA): $1 473.90
CT Real Estate Investment Trust (CRT.UN): $1 119

National Bank of Canada (NA): $1 059.61

Cash: $77.74

TOTAL: $13 125.68

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 399.59
iShares Gold Bullion Fund (CGL): $3 836.30
Emera Incorporated (EMA): $7 897.50
EnCana Corporation (ECA): $2 809
Sprott Physical Silver Trust UTS (PHS.U): $577.76
Toronto-Dominion Bank (TD): $1 625.10
Barrick Gold Corp (ABX): $918.50
Stella Jones Inc. (SJ): $3 099
Telus Corp (T): $2 065.50
Tim Hortons (THI): $590

Cash: $290.60

CIBC Dividend Growth Fund: $725.56
CIBC Emerging Markets Index Fund: $327.23
CIBC Monthly Income Fund: $1 270.83

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.06

GIC National Bank: $1 274.70

Manulife Fidelity NorthStar GIF CAP B: $1 351.38
Manulife Simplicity Growth Portfolio: $1 103.69
Maritime Life CI Harbour Seg Fund: $1 257.70
Maritime Life Fidelity True North Seg Fund: $977.02
Manulife GIF MLIA B World Invest: $912.90

Great-West – various: $2 378.61

Various other mutual funds: $1 333.07

TOTAL: $41 100.90

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP + Online Income ($100):

$191 344.92

My deb situation on date of June 14, 2014

$68 822.82 at 4.25% (margin money coming from my broker account) = 
$2 924.97 in annual interest

$3 392.20 at low interest rate loan at 5.50% (student loan) = 

$186.57 in annual interest

TOTAL: $72 215.02

TOTAL in annual interest: $3 111.54

[In date of June 14, 2014]

Revenu Québec said no Solidarity Tax Credit for the Dividend Girl

I received lately another letter from Revenu Québec. Almost as much shitty than the previous one. This time, they wanted to let me know that I won't received any money coming from the Solidarity Tax Credit (and they name it "Solidarity")... Quebec is a province full of shit.

My non-registered is poping up to the $134 435.21. I have left $12 093.76 on my margin. This is huge, but for how long? The TSX is close to the 15 000 points. I keep reading a bit everywhere about a huge market crash coming up. If it happen, I won't have much cash to save my margin, but I have mountains available in credit lines. And also a new investment coming up tomorrow! 

Exchange Income Corp (EIF) is now trading back in positive territory and I couldn't be happier. I am desperately trying to sell a few units of my JFT Strategies Fund (JFS.UN) at $12.55... It went there before, maybe it can make a comeback and give me a few hundred dollars. What do you think?

I am also very proud of my New Flyer Industries Inc. (NFI). It seem like I won't have to worry about that one from now on like many other stocks that I hold, the list is long.

Tomorrow, a new investment will be from my non-registered portfolio, Quebec shit or not.

Revenu Québec is still on the back of the Dividend Girl

At now less than $6 per share, Just Energy Group Inc. (JE) now trade among its lowest ever. But despite it all, my non-registered portfolio is at $133 700. I kind of have no choice to put in more money into my non-registered account to stabilize the value of my margin. In two weeks from now, my next investment will be a $1 500 in The North West Company Inc. (NWC).

Currently, I am waiting for JFT Strategies Fund (JFS.UN) to pop back to $12.55 per share to sell for $514.55 in units of JFS.UN. A $500 is not that much money knowing everything I want. I would like to put money aside to move in another apartment and for a few furniture... And I would like to put money aside for my vacations. So see, $500 won't be enough. And with JE going down, I need to be careful with my money to keep my portfolio on track.

I sometime think of getting a part-time job but I am too weak, I adore my free-time, especially when I am on the mountain of Mont-Royal watching hot guys doing their jogging. Ant-Quebec, but maybe not anti-Quebec males if you see what I mean.

I have received a letter from Revenu Québec saying that I didn't do my tax declaration in 2011.... Dear Dividend Girl Readers, you know that right, I was in New Brunswick in 2011! WTF Revenu Québec, eat your own caca please.

Bye bye Canada Bread Company Ltd. CBY no longer trade on the TSX. No more.

Canada Bread Company Ltd (CBY) stop being trade on the TSX. CBY had been buy by a foreign company and in result, it no longer trade. I didn't make much money on this trade. following the departure of Canada Bread of the TSX, I got back in hand a good $2 500. For now, the usage of my margin is reduce to $68 000. I have left just over 9k of available cash on the margin. I am not tempt by any other investment at this time so life is little boring. 

Now that CBY is gone from my non-registered portfolio, my dividend income is down to $6 155.83 or the equivalent of $513 per month. Not too bad. I had spent quite some money in May. My next investment will only be made in the second week of June. I am thinking of The North West Company Inc. (NWC). A $1 500 investment in NWC will only add me up to what I use to be before CBY took the door.

My Encana Corporation (ECA) shares are slowly but certainly going back to its old original value. I didn't have it easy on that one. Slowly after investing in ECA several years ago, it value went down, and it had been hard to get it back on track, but I knew it was the right thing to hold. Its new IPO could indirectly bring in some value to the title, its something to watch and it definitively deserve a hold.

We barely ever heard of my man Jean-François Tardif but his fund is doing well inside my portfolio. Unfortunately, the JFT Strategies Fund (JFS.UN) doesn't pay any dividend. The strategy to have with the JFT Strategies Fund (JFS.UN) of Jean-François Tardif is very very simple: use the man and his fund as your cash cow.

What is a cash cow? Let me explain it all. ;--0) ahah!

I had been holding on to JFS.UN since its IPO. Since that time, my investment grow of $490. The thing with a cash cow is to keep the initial investment in the stock market and once a reasonable profit is made, $500 or more, you sell what is left over. JFS.UN is performing well, but it doesn't gain value as quickly that I would like it too. But patience pay off. For that reason, it could be of a very great idea to make an investment of at least 2k in JFT Strategies Fund (JFS.UN) inside a TFSA. That way, each time you do the cow cash thing, you won't get tax on the capital gain. I plan to do that one day.

Without really knowing, I have a lot to do with my little money.

I haven't heard from Jean-François Tardif for a very long time so I had transformed him as an animal.

Welcome in my non-registered portfolio Laurentian Bank of Canada (LB)!

I made a new investment today, a few shares of Laurentian Bank of Canada (LB) for my non-registered portfolio. Since Just Energy (JE) had declined in value and that will sooner or later affect the value of my margin, I kind of had no choice - or 2 choices: to invest inside my non-registered to boost my margin value or simply inject cash with a 100% inside my margin.

Just adding cash in was too boring so I taught about going on with an easy girly fancy stock: a bank stock. Quite a surprising move coming from the anti-Quebec that I am, but I need something relatively stable and with a yield of at least 4%. I am still anti-Quebec, no matter what, but I am happy with my move. I like to welcome in some new stocks. My non-registered is now at $135 607.68.

Go baby go.

Just Energy Group Inc. (JE) title hitting the ground and eating it in full s

Winter had been too long and too cold, so now I am enjoying the nice weather and I don't spend too much time in front of my laptop in my free time. I didn't even take time to do my hair coloration yet and I need it. I need it now. Now its too late, everyone know that I am not a real red hair girl. Toooo badd.

I enjoyed my Monday Holiday and now just 4 days to go before another weekend, ok I can do this lol. Especially knowing that last Friday was pay day, and in result I now have a bit more than 1k to invest. And what will be my next investment? You'll find out next.

Lately, I had been watching very closely Exchange Income Corporation (EIF). For the past couple weeks, EIF had been going down... What's going on? I don't know. Its not the first time that EIF is playing with me like that. But now, everything is back to normal or almost. I think EIF will recover. On the other hand, things are not so great right now for Just Energy Group Inc. (JE) and I don't if JE will be able to recover anytime soon. Tooo bad.

And its all for the hot news.

Maybe just another thing, I did not sell CHR.B yet.

Thinking about selling Chorus Aviation Inc. (CHR.B)

At $136 951.89, my non-registered portfolio is at one of its highest value ever. EVER. i cannot wait to hit on the 140k. Its for reasons like that one, very explicit, that I decided to stop throwing away money on my student loan, or even worst - on my margin. NO NO NO.

One of my big holding, EnCana Corporation (ECA) is doing much better. I am confident I will recover from my loses on that one by simply doing nothing and let it go. Shortly after I invested in ECA a couple years back, the stock lost in value. It was hard to take, but I think its looking good for a recovery.

Another stock that is on the go is Canfor Pulp Products Inc. (CFX). I am now only experiencing a loss of $185 on this one, much less of what it use to be. I am catching on profit with New Flyer Industries Inc. (NFI) - I had been holding that one for a very long time.

Currently, I am thinking of selling my Chorus Aviation Inc. (CHR.B) stocks. I am currently experiencing a profit of more than $200 on that one and I would reinvest in something more secure, like, because I am now a sexy bank girl, it could goes on Laurentian Bank of Canada (LB), for example.

From Super Sexy Dividend Girl to Super Sexy... Bank Girl

Its been a wonderful weekend here in Montreal. These past couple days, Spring is here and I don't spend too much time online. I saw The Amazing Spiderman 2 on Friday and its was real good. And because the weather was so nice I did a bit of shopping. I spend the whole weekend outside. The weekend had been too short.

Davis + Henderson Corporation (DH) had changes its name to DH Corp (DH). I don't like this new name at all because of the double effect - DH in the name and DH as ticket symbol. The + between Davis and Henderson was super hot. And Davis with Henderson sound cool. Davis is one of my major holder. It worth something like a good 3k in margin value. I am very disappointed by the name change. I will be missing the "+".

With my latest investment in National Bank of Canada (NA), my dividend income reach out the equivalent of $518. I have to say that with all of the stocks that I hold in my portfolio, its hard to get in something new that will being an interesting dividend and, at the same, will be a safe bet. Well, no matter how great my portfolio is, I don't have it all yet, there are still some great investments I can add on to bring on strong value and dividend income. Do I decided to turn into a massive bank stock holdings and invest a one thousand in Laurentian Bank of Canada (LB). At 4.35%, LB dividend yield is super attractive. And I need money for more shopping.

Welcome in my TFSA portfolio National Bank of Canada (NA)!

I had bought a few shares of NA at $45.33 for my TFSA. My next investment will be for... next week. There's 3 pay in May, pretty hot.

For dividend easy cash, easy investment choices

In this rainy weekend, I calculate my dividend income by counting only the regular dividend that supposed to be paid quarterly or monthly. It make a total of $6 177.71 for both my non-registered and TFSA, an equivalent of $514.81 per month. Not too bad, but I want more! But how to do it while staying away of those stocks that pay too super high dividend yield?

Stocks that pay super high dividend yield - more than 6% - tempt to decrease their dividend overtime and at the same time, they decrease in value. And I don't want that to happen in my portfolio anymore. So I came with a DIVIDEND SUPER HOT PLAN.

With only $3 562.73 on student loan debt and $70 466.39 margin debt, I decided to invest all extra money available rather than paying debt because paying debt doesn't provide the same excitement as investment. In my search of new investment, I look at Susan Brunner investment list and made a few picks. Among my requirements: a good looking chart going all the way up-up-up for the past 10 years, a dividend yield of not more than 6% and not less than 4%. Basically, it was it. Also, I find I already have some REIT stocks in my portfolio so I ignore all REITs from Susan list.

I first came around with those stocks:

National Bank of Canada (NA)

Stock price: $45.65

Dividend yield: 4.04%

Inter Pipeline Ltd. (IPL)

Stock price: $29.85

Dividend yield: 4.33%

Morneau Shepell Inc. (MSI)

Stock price: $16.19

Dividend yield: 4.851%

Parkland Fuel Corporation (PKI)

Stock price: $20.12

Dividend yield: 5.235%

Thomson Reuters Corporation (TRI)

Stock price: $39.20

Dividend yield: 3.629%

The North West Company Inc. (NWC)

Stock price: $25.34

Dividend yield: 4.578%

Chemtrade Logistics Income Fund (CHE.UN)

Stock price: $20.51

Dividend yield: 5.851%

Russel Metals Inc. (RUS)

Stock price: $32.53

Dividend yield: 4.304%

Valener Inc. (VNR)

Stock price: $15.78

Dividend yield: 6.333%

Following what, I reduce my list for two immediate investment: National Bank of Canada (NA) and The North West Company Inc. (NWC).

I have a contribution room of more than 21k inside my TFSA and its very terrible. In the immediate time, I hold a few things in my TFSA that had slow down the raising value. The only thing I can do right now is to invest in high quality stocks inside my TFSA and National Bank of Canada (NA) is an easy and good option. Another option would be Inter Pipeline Ltd. (IPL). And also Thomson Reuters Corporation (TRI). I find that Thomson Reuters Corporation (TRI) is an enigmatic company.

Rain goes well with junk food

I was curious to update my portfolio and its how I found out that my net worth is now of $115 434.88. Not too bad, but I was more set on a 120k net worth. Also, back in January, I had a portfolio of like 190k and now I am down to 189k. I had sold some investments to pay debt, that's explain why my net worth is higher.

Its raining in Montreal, the weather is not nice at all. And during that time, I am picking on Susan Brunner stuff for some investments ideas. But right now, my very own Lumenpulse Inc. (LMP) is hot.

My debt on date of April 30, 2014

$70 466.39 at 4.25% (margin money coming from my broker account) = 
$2 994.82 in annual interest

$3 562.73 at low interest rate loan at 5.50% (student loan) = 

$195.95 in annual interest

TOTAL: $74 029.12

TOTAL in annual interest: $3 190.77

[In date of April 30, 2014]

My investment portfolio on date of April 30, 2014

Non registered Investments:
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.22
Blue Note Mining (BNT.H): $0
Bank of Nova Scotia (BNS): $7 326
Hanwei Energy Services (HE): $21
Methanex Corporation (MX): $6 992.67
Fortis Inc. (FTS): $3 509.80
Pembina Pipeline Corporation (PPL): $19 898.34
Just Energy Group Inc. (JE): $7 046.39
Pengrowth Energy Corporation (PGF): $1 637.60
Enbridge Income Fund Holdings Inc. (ENF): $9 004.32
Corby Distilleries Limited (CDL.A): $2 515.05
Davis + Henderson Corporation (DH): $6 855.84
Premium Brands Holdings Corporation (PBH): $9 369.45
EnCana Corporation (ECA): $5 281.12
iShares S&P/TSX Capped REIT Index (XRE): $2 502.50
Horizons Gold Yield Fund (HGY): $1 337.22
Canfor Pulp Products Inc. (CFX): $1 315.44
New Flyer Industries Inc. (NFI): $1 254.96
Exchange Income Corporation (EIF): $4 048.26
Colabor Group Inc. (GCL): $354.96
TMX Group Inc. (X): $461.92
K-Bro Linen Inc. (KBL): $4 000
Westshore Terminals Invest Corp (WTE): $7 266.48
WesternOne Inc. (WEQ): $2 850
First Majestic Silver Corp (FR): $1 040
Kinross Gold Corp (K): $671.95
TransCanada Corp (TRP): $1 277
Canadian National Railway Co (CNR): $5 778
Firm Capital Mortgage Investment Corporation (FC): $483.20
Enbridge Inc. (ENB): $1 480.92
Agrium Inc. (AGU): $2 737.02
Canadian Utilities Limited (CU): $1 700.58
Crescent Point Energy Corp (CPG): $980.98
JFT Strategies Fund (JFS.UN): $2 472
Geovencap Inc. (GOV.H): $0
Heroux-Devtek Inc. (HRX): 
Black Diamond Group Ltd (BDI): $861.50
Emera Inc. (EMA): $847.50
Cineplex Inc. (CGX): $1 032.75
Barrick Gold Corp (ABX): $765.20
BCE Inc. (BCE): $1 073.60
Stella Jones Inc. (SJ): $599.20
Shoppers Drug Mart Corp (SC): 
Saputo Inc. (SAP): $1 172.20
Toronto-Dominion Bank (TD): $1 054.60
Canada Bread Company Ltd (CBY): 2 528.40
Lassonde Inc. (LAS.A): $1 045.10
Loblaw Companies (L): 571.80
Lumenpulse Inc. (LMP): $950

TOTAL: $135 973.04

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 204.19
Cash: $4.12

TOTAL: $1 208.31

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $33.30
Dumont Nickel Inc. (DNI): $100.63
Sprott Physical Silver Trust UTS (PHS.U): $1 705.48
Sprott Strategic Fixed Income Fund (SFI.UN): $364
Healthlease Properties Real Estate Investment Trust (HLP.UN): 
$1 012
RioCan Real Estate Investment Trust (REI.UN): $953.05
Precious Metals and Mining Trust (MMP.UN): $486
Sprott Inc. (SII): $3 357.25
Chorus Aviation Inc. (CHR.B): $538.20
Data Group Inc. (DGI): $544.44
AltaGas Ltd (ALA): $1 401
CT Real Estate Investment Trust (CRT.UN): $1 140

Cash: $73.63

TOTAL: $11 708.98

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 303.88
iShares Gold Bullion Fund (CGL): $3 873.48
Emera Incorporated (EMA): $7 864.80
EnCana Corporation (ECA): $2 691.34
Sprott Physical Silver Trust UTS (PHS.U): $568.49
Toronto-Dominion Bank (TD): $1 581.90
Barrick Gold Corp (ABX): $956.50
Stella Jones Inc. (SJ): $2 996
Telus Corp (T): $1 931
Tim Hortons (THI): $601.20

Cash: $257.32 

CIBC Dividend Growth Fund: $710.12
CIBC Emerging Markets Index Fund: $314.28
CIBC Monthly Income Fund: $1 258.61

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.06

GIC National Bank: $1 277.70
Manulife Fidelity NorthStar GIF CAP B: $957.19
Manulife Simplicity Growth Portfolio: $1 083.03
Maritime Life CI Harbour Seg Fund: $1243.85
Maritime Life Fidelity True North Seg Fund: $1 330.66
Manulife GIF MLIA B World Invest: $891.86

Great-West – various: $2 378.61

Various other mutual funds: $1 333.07

TOTAL: $40 484.25

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income ($50):

$189 464.58

At TD Waterhouse, Lumenpulse Inc. (LMP) has a margin value. Yeah!

Its been a quiet weekend, including a lot of cleaning going on in my tiny apartment. I am almost done with my Spring cleaning. And I got my hair cut. The weather is not super fun in Montreal, I still have to wear a good jacket. Yesterday, it was very cold and raining, so I just jump in my cleaning tasks, putting away most of my winter clothes away and cleaning my wardrobe, among other things.

Following my freshly made investment of last week in Lumenpulse Inc. (LMP), I had been noticing that TD Waterhouse had giving a good margin value to Lumenpulse Inc. (LMP). I think it might be a 70% value or something like it. And this is a really good sign. When JFS.UN started training, it didn't get a margin value right away, it took a little while to get something valuable in term of margin. I am happy that Lumpenpulse Inc. (LMP) had a margin because I would like to have at least 10k of margin value left. I am at something like close to 8k right now. With the month of May hitting in soon, I probably use all of my money left from paycheck to go on my margin. Eventually, a margin of 15k would be perfect. And having those goals in mind make it difficult to just invest inside my TFSA.

Other than margin management, I had subscribed to my employer RRSP plan. I am contributing just a tiny 1.5% of my salary and in exchange, my employer is giving a 1.5% of my salary. I am getting a free $690 by doing so. Even if I am not a RRSP believer, I decided it was time to subscribe and I will benefit from it at long I will stay on this current job. The RRSP plan is not super generous but I guess its better than having at all and anyway, soon before you'll know it, I will be ranking on the $300 000 portfolio and be super rich.  

Lumenpulse Inc. (LMP) is suppose to be THE STOCK that will make be rich - we'll see how it turn. In the meantime I don't have an interest for any other stocks at the present time. Maybe JFS.UN units for my TFSA one of those days.

And this will be all for tonight, have a good week. Tomorrow is Monday. Just don't think about it and it will be ok.

Welcome in my non-registered portfolio Lumenpulse Inc. (LMP)

I stopped my decision and decided to invest in Lumenpulse Inc. (LMP). I got a few shares at $19.57. The remaining money went to pay down my margin.

I kept thinking about placing this investment so I decide to go for it.

Crescent Point Energy Corp. (CPG) is on a halt trade

There's a new Trailer Park Boys movie that is currently playing and I couldn't help it, I need to see it! It was a fun stress releaser. I just adore The Trailer Park Boys. So hilarious! :)

I am busy at work these days and my mind is not straight up on what should I do with that 2k in cash that I have available. Is Lumenpulse inc. (LMP) is a safe bet? Should I simply use the money to pay down my margin debt? Pay down my student loan? Or invest? Its not that easy to make the move for several reasons. Strange work situation and too many choices!!!

I was surprised to see my non-registered portfolio down to 132k and a few dollars... but its all because Crescent Point Energy Corp. (CPG) is on a halt trade. 

What to do with a $2 000?

I went to New Brunswick for a few days, I just came back yesterday. I will try to post some pictures later on. Before going, I went for my taxes and it went find, with only $500 extra pay in tax money - not too bad. Again, I pop up the 50k income for this year if I remember.

I didn't update my dividend income for April yet but it make a good $527.40 so far. With that money, I currently have at my disposal $2 000 and I keep thinking about what to do with the money. I have that $3 600 student debt that I was looking to pay back until.... I find out about Lumenpulse Inc. (LMP). I was thinking to invest a 1k in LMP inside my TFSA. But with only $3 600 in student debt, I could pay it down veryyyy quickly.

However, investing in Lumenpulse Inc. (LMP) is very tempting because I am very sure that this stock will just grow and grow and grow...

So I have that new idea, to leave a 1k in my bank account and just invest 1k in LMP.

One problem being that I prefer to invest and leaving money in the bank because some serious shit is happening at work, its unbelievable. We had once received an email previously this year saying that we were going to get a raise for April. Great, but a girl that been there for 5 years had been refused the raise for no specific reasons. I was quite shocked to learn the news because I don't know if I told you but I got a raise of more than 6k at work. The girl could had get a 1,5-2% raise I guess but nothing had been provide to her, even if we had received an email from the President saying that we were all going to have a raise. Why would the president write that kind of email to all employees if not all employees were not giving a raise? Soo cruel!

I find it a complete stupid act of cruelty and extreme arrogance. The girl is leaving at the end of the month, I guess she had find something else. Some other rude stuff like that had been going on for a while and its really sad. One day, the people responsible will have to pay of those cruel acts.

Stuff like this make me wanna leave just like her as fast as I can.

You have said shitty job in Montreal? Oh fuck yes.

The Father of the TFSA died today. RIP Jim Flaherty and thank you for the tax free dividend cash

We all knew the man was sicked - I even suspected him to be alcoholic when he was alive. Just a few weeks after he retired, Jim Flaherty died at home from a heart attack. It would had been great to watch his career in the private sector, but unfortunately, the father of the TFSA is no longer with us. Its been said that  he had children. My mom and dad are about the same age, and I wouldn't like to lose them so soon in life.

I had been quite busy since last week as I am trying to put more efforts on my freelancing activities. Its going on well and I could make 1k - $1 500 just my working part-time. Once job I had 2 years ago was suddenly cut off, but it started over again lately. Its rough to get back in the routine because a lot had changed. I have one project completed... so I slowly moving on. 

Even if I got a raised of more than $6 000 at work (yeah, yeah, you are reading correctly), I prefer to have something on the side because I don't trust my employer. See, my student loan will soon be paid off. After that, only my margin account will remain. I have a margin debt of $70 000. If I can save $30 000 a year or about, my margin could be paid in less than 3 years... And that's possible now because of my current raised and self-employed work. When figuring that out, I was quite impress. I could actually save enough to retire by 40. Maybe. And if now, I will have my dividend and self-employed to make my living.

You could imagined that I have a super job because I got a raised, but co-workers can be very fresh, just like the superiors. They are Quebeckers, so I barely talked to them, the strict minimum, a little talk, just what is needed. Its not a pleasure to be living in Quebec province, especially now that the Liberal Party had been elected. I don't know what the hell Quebeckers were thinking, but gees, this is getting grotesque. Just watch Quebec province flying sky high into debt. This is just another proof of how stupid the Quebec mass is. Some had forget that Liberal are all about bullshit. Short term memory, I guess. I mean really, everything I write about Quebec is true and of a very honest opinion. I am giving the view of an insider who's heart is outside Quebec and belong somewhere else. I cannot stand the level of selfishness. I cannot stand their lies.

Quebec can be what it is, sometimes, good thing pop up from the shit. Like Jean-François Tardif, for example. Celine Dion, if you like her. But here, at The Dividend Girl blog, we are about money. And I have find what could be my next pot of gold. And the pot of gold is right here in Montreal! In shit town. Exciting, ohhh yeah! 

The extraordinary thing is name: Lumenpulse Inc. Its an extreme interesting company - I will let you do your search. Once of its competitor in the US, Philips, currently trade at $35 per share. The thing is that Lumenpulse is about to pop up from the initial public offering on April 15. Unfortunately the IPO is not available at TD Waterhouse. Lumenpulse is starting at $16. I think this company had good chances to grow in its sector. The CEO is super interesting, kind of the like of Jean-François Tardif, very smart, could afford retiring because he's already millionaire, but won't because he want to see his business grow. And why seeking for retirement when you can be the king of the world? At least, Jean-François Tardif is MY king. But I guess you all knew that from now, unless you are not really reading or are blind from an eye, left or right.

Goodbye, little Shopper Drug Mart (SC) shares...

Today, most of my Shopper Drug Mart had been sale and I also received a few Loblaws shares. In result, my non-registered portfolio is at $133 897.78. My margin usage is down to $70 937 and I have a margin left-over of $6 896.44.

Shoppers Drug Mart Corp. (SC) no longer trade on the TSX

This is getting exciting! Its official, Shoppers Drug Mart Corp. (SC) no longer trade on the stock market. My SC shares are frozen, and I cannot wait to received the maximum cash possible. Now that SC shares are frozen in ice, its just a matter of a few days before I get my $$$.

My non-registered portfolio is at a great $136 408.12 value right now. Once my SC shares will be sale off, my portfolio value will be lower, unfortunately. If I am lucky enough I could used a 2k of the sale to pay off my student loan but it will depend of my margin.

Wanna make money on the stock market? JFT Strategies Fund (JFS.UN) is a good option

Good dividend earnings in March with more than $500 in earnings. My non-registered portfolio close today session at $135 958, which is quite good. Lately, stocks like Black Diamond Group Ltd (BDI), Stella Jones Inc. (SJ) and Pembina Pipeline Corporation (PPL), among other. Even my Just Energy is going up up up so things are pretty hot. And Enbridge Inc. (ENB) is what we could consider a hot stock right now according to Rob Carrick. But before Rob Carrick, someone else taught about Enbridge Inc. (ENB) as good investment: Derek Foster! :) Smart investors who had followed Derek Foster from the start are really rich now.

With my upcoming paycheck, I will have 2k at my disposal. My tax declaration cost me $70 to be done. After what I probably going to have to pay max 1k extra in taxes. I would be surprise if it will be more. I have a 1k at my disposal. But to do what? I already have a good collection of stocks, I hold the best (yes!) :including JFT Strategies Fund (JFS.UN) of the love Jean-François Tardif. I check on the man - only on Google unfortunately - once in a while and in my latest search, the latest news about Tardif was a BNN interview, back in December 2013 I think. And at that time, he was saying that the US was the place to be - no matter if the market goes up or down. Well done, because nothing seem to beat the US. 

JFT Strategies Fund (JFS.UN) started with a slow grow, but I think the fund had proven now to be quite stable in value and grow, which is quite something. Other funds like the Sprott Canadian Equity Fund are only  good to make you lose money.

Derek Foster is almost 100% invested in the US market, smart guy, I could picks from his US picks and tadam, no problem, hello nice and easy cashhhhhhhh, marvelous cash. With only 1k, the dividend income wouldn't be much in the immediate so I have a better plan.

The balance of my student loan is of $3 634.25 and the monthly payment is of $98. I am much more interested in paying down my student loan to finally get rid of that monthly payment. I had paid off my credit lines, credit cards... I currently have no monthly payments to make if not my student loan and rent. Its getting interesting to pay off my student loan for that reason. After what, I could easily live on $1 200 per month, and I could push it down to the $920 per month. That could become true in 2 months from now (June)... So why not? Its the main reason why I am so interested in paying off my student loan now.

Ready to say good-bye to my Shoppers Drug Mart shares. Go go go!

The Shoppers Drug Mart acquisition by Loblaws was supposed to go through on - was it March 27 or something like it??? - but I still have all of my Shoppers shares right in my portfolio and its quite boring. So I am currently waiting and still waiting. I had been waiting for a really long time now, so I hope to deal will move on so I can lower the usage of my margin and I will try to stay that way.

I had been busy lately. A old part-time gig I used to have 2 years ago is about to get back to live and I could make good cash. And I will need it because this past Saturday, I went to do my tax declaration and its going to cost me $70 right there, not to include what I will need to pay extra in taxes, I am getting ready to pay an extra $800. It will be ready in 2 weeks. And in 2 weeks I will get another paycheck. Money is flying away but its not a bad thing.  

Stay tune to find out if I will get my cash from Shoppers Drug Mart - not time to write more unfortunately.

Shoppers Drug Mart acquisition by Loblaws to be completed to March 28th

It took a very long time, but it will finally happen. The Competitive Bureau approved Shoppes Drug Mart acquisition by Loblaws. I had picked the maximum of cash option way back, and I hope to get a few thousands in cash - maybe 3 if I am lucky - and only, please, a few Loblaws share. This remind me of the TSX acquisition deal. At the time, I had picked a maximum cash option too, and I was left with only a few TMX shares - which I don't mind holding now. Those shares are there to remind me of the shit deal - bankers holding on to the end to the Canadian stock market. And now, after selling the TSX to bankers, Thomas Kloet, certainly all proud of his accomplishments, is now calling for retirement. Happy retirement, loser! Bye bye, go retire to North Korea Thomas Kloet please, where you really belong.

I wouldn't mind to hold a few Loblaws shares - there will be no more SC shares when this come to real. This move will help me to lower the usage of my margin. I am currently at $72 687.86 on my margin. It would be nice to get it lower eventually. But with a margin at of more 70k, I have a long way to go before it get paid off. However, it never been a preoccupation of mine. What I do care is to keep my margin under control. Currently, I only have left 5k of unused money margin. Its not a lot. To keep things nicely secure, I need to inject 5k - and 10k would be actually much better to keep my margin secure and safer. But 10k is quite an amount, you understand, so I have fix myself to only 6k.

I own less than 4k on my student loan and its a complete shame not to pay it off. So here is the deal, I only need $9 634 to inject 6k on my margin and $3 634 to pay off my student loan. With 9 months left to go for 2014, I can do both of those things with $1 070.44 per month. So now you know what will happen for the next 9 months. I could deliver a baby in the next 9 months if I get pregnant like NOW. That's not going to happen anytime soon. I wish to get pregnant in my forties only, when all of my sexy youth be wild done and I guess that at that time, I will have nothing better to do than changing diapers, doing laundry, and cleaning, cooking and so on and on. Later please, only later and even never, I wouldn't mind.

I used to have some cash lying in my bank account - years ago. I only keep the minimum required in there now. I may be able to find a 2k to remain in my banking account so I can be just like in the old days and that way I won't have any banking fees. I don't have any cash and before putting any more money down to my student loan or margin, I would very much keep a 1k for each of my 2 banking accounts - that would make 2k.

Following what, a 6k payment on my margin and the repayment of my student loan...

2014 = painful year

 

     

Welcoming Spring, Investors!

Spring! Winter had been very long this year. Usually, winter in Montreal is not so bad but this year, it was like if the New Brunswick winter was in Montreal. I never went to a so cold winter in Montreal, it was quite surprising. Other than that, 2014 had been great so far. I paid off a credit line, credit cards and as you know, I only now have left my margin and student loan to pay off as debt. 

With only left $3 638.07 in student loan, paying it off is my next priority. However, before making any more extra payment on debt or whatever, I need to do my tax declaration for 2013. I certainly earn $50k this year + because I work all year long. I think I will have something like 1k or around to pay extra in taxes, and also, I probably going to have a few days of vacation for Easter in New Brunswick. 

I listen a bit to the Leaders Debate for Quebec next Prime. Nothing too much exciting. Quebeckers are paying millions for this election and the result will probably going to be the same. I don't think Liberals are strong enough to win. No Party have what it take. Legault, Couillard, Marois, David are not very interesting. And I don't find Quebec interests very interesting anyway. They are very fool selfish people and I do not belong here. Stucking in the money and one day I will be out of here.

Oh lala, I am a star

Check this out.

House owning is for suckers

My grandmother is 91 years old and lately, it appear that she could no longer digest food. She couldn't keep in her stomach the normal portion of food that she normally eat for a meal. And as a result, she went to the hospital (in New Brunswick, of course, - she wouldn't be alive today if she would had been hospitalized somewhere in Quebec province!!), stayed there a couple of days, went better, was sent back home. Once back home, it started again. And at that time, I prayed for her and after a while, she has doing better and began to eat normal food again.

In Quebec, they have a Catholic show name Les Victoires de l'amour ??? or something like it. And yesterday, there was that girl in a wheelchair, saying that she was spiritual, but didn't believe in the Bible. And once again, I taught: those poor little f Quebeckers. They don't go to church, they don't believe in the Bible and they thing that God will help them anyway among the way? Forget about it. Deal with your own salvation. God won't answer.

There's nothing much more stupid than Quebeckers, that's for sure, and I have new proof of that day after day after day....

House owners are suckers and I am a suckers myself for working full-time in Quebec province, for stealing jobs to Quebeckers and for hating Quebeckers so damn much. And God is giving anything I want. So call money, so call b*itch. Is it really how its working? Oh yeah. After giving birth to many babies, a woman of 91 years old deserve to go in the last years of her life without too much pain.

Finally, Derek Foster got a few hours off from changing diapers and everything else to FINALLY write a nice letter to all of his readers and that including of course the famous me. Personally, I never dream of owning my own place. And that being for many reasons. 

In a place like New Brunswick, you can buy a very nice house for $150 000 and even less. Sound great at first but in New Brunswick, you got to clean the roof of the house a couple times in the winter. And if only it was the one and only expense... Taxes, which usually go up every year or so can hit a tight budget. When you become a home owner, you become a slave of the system. Once the tax go up, you have no choice, you have to pay more. you cannot battle that in any ways.

And once you want to sell, consider yourself lucky to sell at the initial price pay. I am not a believer of house owning to create richness. That is pretty much all bullshit. Mortgages are there so banks can make money and pay their CEOs millions and millions of dollars. The mortgage system is not there to help the middle class to make money. Its much more of a trap that can easily ruin your financial future. 

Its much more better to invest, make a 7k income or even more in dividend and have money to pay off yourself and your living expenses rather than bank and the corruptible financial system we live in here in Canada. Because if you lose your job, trust me, its not the bank who is managing your mortgage that will help you find a new job. No situation is secure. And that, Derek Foster is not saying a word of how much a house can diminished you financially. Derek Foster, now father of many  babies, has lost in intensity among the way.

You can compare a mortgage to the situation of my brother with his student loan. Student loan required close to $500 per month to my brother. That's what I call money sucking. The student loan suck $500 or close to my brother every and single months, and a mortgage, its even more, non stop for 25-30 years. Money sucking mean that it take money out from you, money that could be use to for much better things.

Money rule the world, but it doesn't have to control your every moves. Home owning is time and money sucking.

And yes, it was the post of the day!