While dealing with a mix of insecurities, saving money is the best you can do. Advice of a Dividend Girl

The stock market is by itself is very strange, like if the world wasn't strange enough by its own. The stock market only enhance everything up. On Friday, Paris suffers from a terrorist attack and on Monday, the TSX was gaining closed to 2%, and in results, my non-registered closed yesterday session at $126 567.19. Today, my non-registered portfolio closed at $126 353. 

From a day to another, the market go up or down... its a real circus out there. No need to rush to invest my money because:

1) I have no ideas in what to invest.

2) Markets are frightening. Each business day, I hold my breath.

3) I need more savings.

With today world being all upside down, one of the most valuable thing to have is savings. A mistake that can be easily done is to think of your investments who are on the stock market as savings. Investments are not savings because investments are out of reach. I would never sell my stock portfolio, no reason what. Knowing that, what would I do if I need money?

I don't know, I only have 1k in my banking account.

This is not a normal situation. I have a non-registered portfolio of $126 353 on the stock market and I barely have no savings at all.

I am such a bad bad girl. We can all agree on that one and single thing at least.

During time of insecurity, focus should be made on savings.

Save, save and save.

My annual dividend income is now at $6 173.34

Even with my latest investment in Hydro One Limited (H), my non-registered portfolio closed Friday session at a low $124 582.79. Normally, in a good stock market position, I probably be on the $135 000 mark right now. Its no surprise, with a TSX as low as 13 075.42 points, no one can really be on top of the game. And this way, part of the great good excitement and magnificent of investing in stocks is being lost. We all invest to make money, but sometimes, it take more time than what it was initially expected. 

I am willing to take the time it will take. In the meantime, with the addition of Hydro One Limited (H), my annual dividend income is at $6 173.34. Hydro One Limited (H) will probably pay a dividend yield between 4 and 4.4 percent. This is a reasonable dividend distribution. Overall, I think that Hydro One make an interesting investment to any portfolio. I like the idea of holding a company that is partly also own by the province of Ontario. That was my main reason behind my turn on.

The second half of 2015 had been very rough for me. For the first time in several months, something "new" catch on my attention. I felt the same good old excitement as before. Each time you invest should be a celebration and its definitively bring on some good vibes. I felt a bit of that withe my investment in Hydro One Limited (H). From I saw inside my non-registered portfolio with TD Waterhouse, Hydro One Limited (H) has a margin loan value of 50% - which is very good.

A good margin loan value doesn't necessarily mean that an investment is of good quality, but its certainly a positive indication. I don't think that TD Waterhouse would had gave a margin loan value of 50% to Hydro One Limited (H) if that company didn't have value at all. See what I mean? TD won't never openly admit it, but margin loan value can certainly use as in indicator of how well a stock is doing.And with my little knowledge, I like to rely on straight indicators like margin loan value.

Canada needs to fight the Islamic State

I learned about the terrorists attack in Paris with a great sadness. Its hard to imagine what actually happen there, in such a beautiful city that I had the chance to visit a few times in my life. Charlie Hebdo attack was less frightening in the sense that it was more understandable. 

Its very unfortunate, but we need to actively fight the Islamic State. If Canada remain just a peacekeeper without taking part in the combats - the Islamic State could one day become reality. And if it happen, we'll be stuck with it for the long run. Canadian military absolutely need to stand up and join the rank of the Kurds to irradiate terrorists. Justin Trudeau position is weak, and not one of a true leader. If we don't do nothing, Islamic State will grow and we could find ourselves in the same position as Syria one day - even if its seem something impossible right now. 

Its not true that such atrocities cannot happen here, especially knowing that 25 000 Syrian refugees will arrive in Canada soon. We could suffer badly from not taking charge now. And welcoming so many refugees is a very bad idea. Those people need to stay in Europe. ONU need to take care of them and build refugee camps. Its a stupid move that those poor people are doing each time they take the road to hit another city. But the worst is to see them pack in small boats, desperately trying to reach another land. Why the international community is watching and letting them do such thing? Of course, I would be doing the same if I were in their position, but what is not understandable, is that Canada is watching without doing nothing. Welcoming refugees won't solve the problem and I don't think we should welcome any of them.

Its again very unfortunate, but among those refugees, there's terrorists and its mostly impossible to detect the good from the bad people. And for that specific reason, ONU need to take charge, build up some camp, or a city somewhere specially made for those refugees. Its the only honest and tangible solution to such dramatic problems. But we cannot take the problems and bring them to Canada.

That is my position regarding the Islamic State and Syrian refugees.

Welcome in my non-registered portfolio Hydro One Limited (H)!

Surprise... This past week, I bough some shares of Hydro One Limited (H) for my non-registered portfolio. This wasn't really plan. The year 2015 is coming to the end and I want it to end in a great way. I didn't invest much in 2015. Overall, 2015 had been a shitty year for the Canadian stock market. 

Following April 2015, everything went wrong. But on April 2015, I was on top of my game, I had $205 871 invested, with a new worth of $139 599. I was on my way for a net worth of $150 000 when the stock market began to show serious signs of extreme volatility. My dream of getting on a $150 000 net worth fly away.

Anyway, I got very excited about Hydro One Limited (H). H had been a market for less than a week, but its exciting because its going to pay between 4 to 4.4 dividend yield distribution. I like what I read so far about Hydro One Limited (H). For a moment, I remember what it was to feel excited about something. 

Yes, Hydro One Limited (H) turn me on.

RRSP investments might be a good thing after all

I call my mother this evening and she had bad news. Its regarding her teeth. My mother family side suffer from a condition, genetic I guess, that slowly attack the health of their teeth as soon they get in their late 50s, 60s. With age, the root of their teeth seriously rotted. Not because they don't brush their teeth, but its a condition that attack their teeth from their inside. My mother had one of her back teeth remove last year. This year, she had a tooth fix, but no matter what, the tooth remain sensible and she feel something when, for instance, she drink her coffee.

And guess what, the poor girl that I am have the same teeth as my mother family side. I can say that because our teeth look alike. We almost have straight teeth, but not exactly because of one left front tooth is higher than the other ones... Its one of my mother family side trademark. So I guess I will be suffering from the same condition when I will hit my fifties but keep reading until I reach that venerable age. My mother doesn't have health insurance, so this is going to cost her a bunch of money.

That was the bad news. Imagine having extra sensible teeth. It must be a daily pain. It seem to me that my RRSP money is going to serve at something after all one day... I prefer teeth problem rather than having earring problems like Gordon Pape.

Otherwise, its seem to be the only default to my beautiful genetic.

Welcome in my TFSA JFT Strategies Fund (JFS.UN)!

Finally, I now hold some JFT Strategies Fund (JFS.UN) units inside my TFSA. It happen early this morning. I am very busy at work these days, so I didn't have time to do the fantastic investment move earlier.

JFT Strategies Fund (JFS.UN) won't bring in any dividend - but it could pay a special dividend like it did in the past. However, I dream of holding JFS.UN inside my TFSA for a very long time now because I wanted to get my hands on some capital gain - free of tax.

My thing is to sell a few units of JFT Strategies Fund (JFS.UN) whenever my investment gain $510 in value. This could happen every 2 years or so if lucky, on a 2k investment.

Following this new investment inside my TFSA, I still have left a contribution room of $18 225. Its a shame, but because of my margin account situation inside my non-registered portfolio, its sometime hard to invest inside a register account.

Lou Schizas review MY stock darling: New Flyer Industries Inc. (NFI)

In his latest column in the Globe and Mail, Lou Schizas reviewed a stock that I hold inside my non-registered portfolio: New Flyer Industries Inc. (NFI). Personally, I had been holding on the NFI since January 2011. The beauty of writing a financial blog is that it help to keep track of absolutely everything. Really everything.

It haven't always been easy to hold on to NFI, but I hold and collect dividend, as well as capital gain. For those of you like me who had been holding to New Flyer Industries Inc. (NFI), NFI is a good investment. The holding absolutely worth it. However, for those who are not invested in NFI and are thinking about jumping it now, I don't know if its a good time. In the sense that NFI currently trade at its highest and bus business is like jet and airplane business - talk about it to Bombardier Inc. - it can be volatile.

Unfortunately these days, the stock market is a volatile place. So its very hard to say invest in this or that. OR don't invest in this...

Gold and silver are definitely a big NO NO - at least from me.

Sign Working Canadians petition to keep the TFSA contribution limit to $10 000

Liberals of Justin Trudeau had won the majority and unfortunately for investors, the Liberal party is looking forward to decrease TFSA annual contribution to $5 500, which is very sad. A $10 000 annual contribution is very perfect. It leave plenty of room for saving. Saving grow tax free and best thing of all, if a back luck happen, you lose your job or you just need money to cover whatever purpose, you can withdraw any amount wanted without facing any penalties.

Is not the case with RRSP and its the main reason why I stop adding money to my RRSP. I need money now. When I will be old and grey, I don't care. I will eat in the garbage if I don't have any money left! No one should ever care about senior days because when youth is all fade away and that you need to face lift just to look presentable, well, I guess that it just not a life. It is certainly not the type of older days I want. Money need to be enjoy and invest now.

Sorry for all the seniors who might be reading. But no worries, plastic surgery DO exist.

On a more serious note.

In order to keep all the privileges associated with the TFSA, especially its generous $10 000 annual contribution, we all need to act and act now mean to do like I did and sign the Working Canadians petition. 

Act now before its too late.

Bombardier Inc. (BBD.B): another Quebec flop

Long time ago, I used to hold some Bombardier Inc. (BBD.B) stocks inside my non-registered portfolio. I used to be quite excited about the CSeries and all of that Bombardier stuff. But I didn't like Bombardier lack of leadership. I mean, when you make announcements, and later on, you cannot even respect your initial engagements... Even if such lack of engagement is not surprising coming from a Quebec business, I was hoping for something better coming from one of my investment choice. Because after all, I am an investor princess and I make great decisions.

I am adventurous. I like to invest my hard earn money, its in my nature, I cannot help it. Anyway, later on, I sell at profit. And I never came back to Bombardier Inc. (BBD.B) ever again.

And now, Quebec government came up with a very bad idea: to help Bombardier Inc. using Quebec taxes. Unfortunately, I live in Quebec, its not by choice. Its not because I like it here. Its strictly and only for monetary reasons and nothing else. However, Quebec want to use my tax money to help a company that only had showed bad leadership moves one after the other and cannot handle it.

When government decided to help x or x company, its always for a good reason. Its mean deep trouble. And you should always stay away from businesses who cannot survive by their own selves. Stay away from trouble.