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Tuesday, December 15, 2015

Cash will always be king

Today, I find a 5 dollars bill on the ground on my way to work and it make my day! It was all wet because of the rain but never mind, I used the $5 to pay for my morning coffee. Its all I needed to forget about how bad my portfolio is doing right now. I am good to find things on the ground. I once find 2 $20 bills outside a bar, $10, $2. I found several metro pass, credit cards, debit cards, health cards... Finding money on the ground is one of the most exciting things ever at the time it happen.

Today TSX gains made things easier for my very delicate non-registered portfolio - it closed today session at $119 151.15. Its really not easy to be an investor these days. My portfolio look ugly ugly. While being 100% invested, its really hard to face such market volatility. Investing is fun when the stock market is gaining points, but it become less interesting when the market points on the opposite direction. 

In those difficult times, I like to put my focus on other things, among other, on my beauty blog, on my weight loss, on my job???!!!

Yes. Also.

It doesn't feel good loosing a chuck of money on the stock market. You get to feel empty inside and like real shit. While being stuck right in a stock recession, our weakness appears more. My financial weakness is to be 100% invested and not to have more money in my bank account. But an investor remain an investor - its hard to resist the appeal of the stock market. And its even harder when you had experiment the best like the worst of what it had to give.

Monday, December 14, 2015

This year, the TSX stole Christmas

Christmas is coming soon, but no matter what, the TSX is not treating its investors very kindly lately!! My non-registered portfolio closed at a terribly low $118 185.74. But no panic. Its just money.

!!!

I don't know for you, but when I see how deep low the TSX is going right now, its just wanna make me... RETURN MY CHRISTMAS GIFTS RIGHT DOWN TO THE STORE. (I am just kidding, of course). So far, I spent $140 on Christmas gifts. Once completed, I guess I will be around $240, very reasonable. I only have my bus ticket to pay for after that.

We can say that this year, the TSX stole Christmas! This is a nightmare coming to live.

I really wanted to see the year closed on a more positive note, but its seem like 2015 had been the shittiest of the shittiest of all.


Tuesday, December 8, 2015

And what if Donald Trump was right after all regarding his Muslims ban proposal?

Yesterday, my non-registered portfolio closed at $121 220. Today, my non-registered portfolio closed at $120 595.97. Is it going to continue going lower and lower like that or what??!! This is rough and not fun at all. At 35 years old, I was imaging myself as pretty as I am, but in much much better financial situation! Anyway, when the market drop like this, I know the drill. The best is to ignore what's going on and act like it doesn't matter. 

While we are waiting to "welcome" 25 000 Syrian refugees, our stock market is going all the way down, real Canadians are losing their jobs, Liberal party had cut our TFSA contribution to $5 500, we'll soon going to face deep red deficit from that same government... Should we really welcoming as many refugees? Canada is not strong enough financially speaking to cover such heavy costs. The mayor of Montreal Denis Coderre had hired a special adviser to co-ordinate Montreal's efforts to welcome Syrian  refugees. And to do so, Micheal Dorais, our new refugee coordinator, will earn $1800 per day! Its so scandalous, especially knowing how heavily tax are the homeowners here in Montreal. 

I would be curious to know how much it will cost us, Canadians, to welcome 25 000 Syrian refugees. But this is not a straight cost. Because it will take several years for those refugees to learn the language and find a job. And during that time, it will be our tax money that will feed those Muslims. 

There's a lot of common sense in the message that is trying to deliver Donald Trump these days. While facing the possibility of having to deal again with terrorist attacks, its just really logical to ban everyone who's Muslim from entering the country. Its of a perfect logic. Its unfortunately not possible to tell who are the good Muslims from the bad. And while facing the possibility of a "maybe" a another terrorist attack could happen, well, its the government to play its role and protect the citizens.

After all, look at what had build Muslims around the world. There's no success stories to tell. The Muslim religion itself had grow strong and stronger while facing wars. Muslims have to deal with their heritage. Its not our duty to live and pay for them.

At a time of incertitude, we need to fight for ourselves, not for Muslims that we don't know anything about. Life and the well-being of our country is to precious to take any chances, but Justin Trudeau is truly disconnected and live in a world of dreams.

Monday, December 7, 2015

What we need to remember from Guy Turcotte second trial

It took a second trial, but at the second one, Guy Turcotte received a second degree murder verdict. My wild guess is that if a third trial would had been launched, it would probably caused mental illness to Isabelle Gaston, but Guy Turcotte could had received the sentence he truly deserved: first degree murder for killing his two children. But hey, I am wondering, since Quebec justice is so unsubstantial and incompetent, I am surprise to see that things are going to stop here. Is the show really over now?

In Quebec, the justice system is as sick as the criminals who directly benefit from its lack of intelligence and integrity. While living in Quebec province, outsiders like myself are directly exposed to a reality in which its not good to live. Quebeckers are really sick people. Never put your trust in them. 

Guy Turcotte trials were the mirror of Quebec society of today: selfish, of pure arrogance and miserable. I can read all of the stupidity of Quebec society in the conduct of what had been a second long trial - one wasn't enough, it took a second one. And during that time, other causes cannot find their way to a judge. A man killed his children, and he haven't been punished. And still today, Guy Turcotte did not received the sentence he deserved. In Quebec, justice doesn't exist. Its not possible to have a good life here.

And its exactly the kind of things that define Quebec province. In many ways, I find that Denis Coderre shares a lot in common with Guy Turcotte. Not that Denis Coderre had killed anyone - at least not of what we know of - but I find Montreal mayor has the same deep arrogance as Guy Turcotte. Denis Coderre believe he's capable of everything, and so did Guy Turcotte. He had the power, and used it to defend his own interests.

Education, health and justice system - they're a bunch of stuff that is not doing ok in Quebec. A poorer province like New Brunswick is much more efficient. In New Brunswick, it doesn't take days at the hospital to see a doctor. In New Brunswick, we don't let our children go in schools who are rotten to the core. Fact is, Quebec arrogance had build many disparities over the year and with these disparities come the incapacity of dealing with their own richness.

I thank God everyday for making me a New Brunswicker.

AMEN.

Wednesday, December 2, 2015

Can the TSX stock market hit on back the 14 000 points by the end of the trading year?

For one day - yesterday - we were back in business! The TSX gains almost 200 point yesterday. Its feeling good, and in result, my non-registered portfolio closed the session at $127 074.61. I am secretly dreaming that the TSX will closed this super shitty trading year on the 14 000 points. But am I dreaming too much?

**If you dislike my writing about personal finance, always feel free to click right on here to try something new**

Oil sectors had left many unemployed. Its truly heartbreaking to read testimonies of Alberta workers who are having a real hard time. The value of houses had decreased in area of Fort McMurray and time will come when banks will suffer from all the monetary loses. Recently, BMO and Scotia Bank announced enormous profits. I guess that helped in yesterday gains.

But sooner or later, the TSX is going to go down hard - one more time. Liberal government is not helping in any way. We are dealing with real issues in Canada. We cannot afford to overspend - but already - Justin Trudeau is hiring TWO nannies to take care of his 3 children. But why is that? Hew wife Sophie Grégoire doesn't currently have no real job, she doesn't have any occupation. Grégoire is a stay-at-home mom. So why does Justin Trudeau is employing two nannies to take care of his family? Its because Sophie Grégoire is a lazy bitch who want to play her first lady role and want all the advantages associated with it, including employing nannies using our tax money. And more than anything else, Sophie Grégoire want to be "a lady of the world". But she's not. When that woman speaks, she sound retarded.

I am not a fan of Justin Trudeau. He's not the man Canada needs but Canadians were not bright enough to see that clearly. We are going to go down in mountains of debt, oil sector will probably remains as it is for a while, banks are going to make less money and... the stock market will go down, again and again and again.

Monday, November 30, 2015

Dror Bar-Natan: this immigrate lied at the Canadian citizenship ceremony and we let him be

How many little bastards like Dror Bar-Natan do we welcome in Canada as new citizens each year? Don't tell me or you'll make me cry.

Dror Bar-Natanwas is born in Israel. If you watch the news just a bit, you might know that Israel is not a country in peace. I don't quite understand this, but apparently, he's a professor at the University of Toronto Department of Mathematics. That kind of give you the very poor level of education giving at the University of Toronto.

Dror Bar-Natanwas is a big fat liar. Soon after stepping out from his Canadian citizenship ceremony, "professor" Dror Bar-Natanwas recant oath to the Queen. This mean that during his Canadian citizenship ceremony, that man declared to be faithful and bear true allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors. That is a rule to become a Canadian citizens. However, Dror Bar-Natanwas wasn't true to his words. Right after getting out of his Canadian citizenship ceremony, Dror Bar-Natanwas disavowed the mandatory Oath of Allegiance to the Queen.

How come we tolerate those kind of things? Take that Dror Bar-Natanwas and put the bastard on the first plan to his so love Israel country - we all dream of living there right? 

The allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors is very important. Canada wouldn't be the country that it is today. I am myself born and raised in fabulous New Brunswick, I wear a classic Acadian family name. My ancestors probably came from France. There's almost no doubt about it, I am a real pure blood Acadian. I was once told by my dad that our  ancestor came form Nova Scotia... So right there,  chances are that I am probably from Acadian roots. 

You may know a bit of Acadian history. In 1755, Acadians started being deported from their land where they had build their home and cultivated the ground. The British took it all.

I didn't live all those atrocities, but I am very sure that our well-being that we have today in Canada directly results from the British heritage. This is why today I have money to invest and that I can make money on the TSX.  

Check out for yourself: Commonwealth countries are all good rich countries. On the other side, look what happen to France colonies - they are all poor. Each year, many immigrates come directly from France - they come here massively and take jobs that don't belong to them here in Canada. They enrich themselves on our back and during that time, some Canadian suffers, like the workers from the oil sectors, for example, or even new "real blood Canadian" young graduates.

We are extremely weak to let immigrates like Dror Bar-Natanwasto make fun of us, to not respect our heritage. Because our heritage is what had made the Canada of today.

Dror Bar-Natanwasto: go back to your lovely in war Israel country and finish in hell!

Saturday, November 28, 2015

These days, boring is the usual on the TSX stock market

These days, the TSX could be what we could say "stable". No real gain, no real lost. Just a stock market that is there to annoy investors. Such stock market conditions are really not interesting at this point.  2015 is about to pass over and nothing much will be left of it in my memory.

On this Black Friday, my non-registered portfolio closed the session at $125 720.31. Nothing to be much excited about, but still, I am exceeding the 125k. My margin usage is at $65 844.02. I try to stay on the 65k. So let say that my financial situation is "ok" at this time. the stock market is not giving u the chance to get very enthusiasm and excited. This had become the usual these days. Very BORING.

I went to the Black Friday, but I didn't need anything. And it was raining like crazy and I didn't have an umbrella so I hit home quite quickly. I currently have everything I need to face the winter and I am trying to control my expenses. I bought a new pair of boots last year. I recently bought a new pair of jeans (really needed) a new purse at Aldo (no so needed) and a winter little hat. Those were the Christmas gifts from me-to-me. When a girl has a new purse, its like she has change of skin. Like a sexy snake.

Black Friday makes it the perfect time to buy a winter coat, boats or whatever else - but only if you need it.
 
When you have one winter coat, one pair of boots, one pair of shoes, a few nice tops, a few pair of pants, makeup, a few fake jewelries... Really, a nice girl doesn't need more. And that leave plenty of place for investment, or at least it make things much easier. However, I do spent a bit more than what is post on here - that being really the minimum. Control is the key and if you can control the way you spend your valuable money, you'll become powerful, and very sexy.

Have a nice Saturday.


Tuesday, November 24, 2015

Syrian refugees shouldn't be welcome in Canada

France, not only because of its recent terrorist attack, know what is like to deal with immigration problems. They have "HLM" where immigrants are jam pack, a lot of them are Muslims. People who live there live in hell. Drugs, prostitution, radicalization, school dropout... Its very sad, but while opening our doors to immigration, we also open the door to those kind of problems which cost a lot of money to deal with.

Immigration problem is one of the reason why France is so economically poor.

Canadian society is not made for Syrian immigrants. First, there's a religion problem. In Syria, they have their little Muslim routine, they pray, etc... But here in Canada, we live our daily live free of any religion. Our society system is not strong enough to welcome refugees because we let people do whatever they want. If a girl want to wear a hijab, she can. And see the results in France.

In France, immigration problems have nothing to do with Paris terrorist attack. The problem is so more complex and bigger than that. When you remove individuals from all they know to put them in a new environment they don't know anything about, don't expect things to go well. Its not ok to take poor refugees, bring them to Canada, force them to learn English and French and expect them to make a living by their own. By doing so, we are condemning Syrian refugees to eternal poverty. 

In the meantime, who is helping the workers who lost their job in the oil sector? What are we doing to help our own citizens? Nothing is being done. But we are willing to spend millions of dollars to welcome poor Syrian refugees who don't practice a decent religion and who don't speak either French or English.

Syrian refugees need help, but its not Canada responsibility to take. It doesn't make any sense to bring those people here. Syrian should reside in Muslim countries. Many of Syrian refugees live in Jordan. They should simply stay there. We could help Jordan to build infrastructures, schools, etc for those refugees, but taking them and bring 25 000 of them in Canada is foolish. Syrian refugees had to give up on their country, do they really have to give up on what is being left of them? I don't think so. Welcoming refugees is certainly good for Justin Trudeau image, but it will create all kind of problems, to Syrian refugees and Canadians people.

We'll have to do like in France, build HLM for Syrian refugees to live in because they don't have enough to pay their rent. And they cannot pay rent because they cannot find work... they cannot find work because they don't speak and don't understand our language... Its a vicious circle and I don't think Justin Trudeau truly understand in what kind of shit he's driving us in. Its very arrogant in a way. Its a decision made without any sensibility and without any respect to us.

Sunday, November 22, 2015

Hydro One Limited (H) is giving a nice little punch to the TSX

After being left almost constipated by Montreal flushgate, I was hoping for better days. But after that came Paris terrorist attack. However, the stock market went in the opposite direction and surprise, gains in points.

YES. Today world is a crazy hell.

At now $126 120.14, my non-registered portfolio is in a better posture, but its still behind the usual 135k where I should be. Especially after investing a bit more than 2k in Hydro One Limited (H). I do not regret my investment in Hydro One, it make a great addition to my portfolio. Best thing of all, my investment in Hydro One Limited (H) had gain 2.86% in value. And I have a few stocks like that who are performing very well. Thanks to all of them, my non-registered portfolio is exceeding the 125k value. Its a good step in the right direction, but I need a stronger TSX before I can see the same good results as of April 2015

From what I read so far, financially speaking, 2016 should be a better year. I am not an anxious person, but the taught of having my shit going straight to St Laurent river had impacted on my way of living for a few days. And the stock market volatility had an impact on my everyday life. St Laurent River? The moron who is the Montreal mayor Denis Coderre don't give a damn. Reactions haven't been very strong on what was happening. This is so disgusting. We are going to die in hell for letting this happen.

Reality check being, I am very happy not be a Quebecker. I couldn't live with myself if it was the case.

Currently, since the flushgate is over, my only concern of the time is my margin which is at $67 296. Its a bit high for margin usage.

Tuesday, November 17, 2015

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.

Sunday, November 15, 2015

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.

Saturday, November 14, 2015

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.

Sunday, November 8, 2015

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.

Tuesday, November 3, 2015

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.

Monday, November 2, 2015

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.



Thursday, October 29, 2015

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.

Wednesday, October 28, 2015

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.

Tuesday, October 27, 2015

Couting every dividend pennies: update on my annual dividend earnings

Its not easy to be an investor these days. This past Friday, my non-registered portfolio was about to hit on the 130k mark. At $129 297, I was super close! But what was hot and true yesterday is today no more... Today, my non-registered portfolio closed at $125 247.25. What is that??!!! I feel like screaming, just like Adele: HELLO... Yo which I could add: where had gone my money....


I used to be much more glamorous. I used to be a super investment girl. Remember these old days, not so old? Back on date of April of this year, my non-registered portfolio was was at $137 000 - its highest value ever recorded. I was about to hit on $140 000 when everything collapse. What a bad surprise. I can't wait to see a TSX going back to the 15 000 points. Is it too much to ask?

During volatile times, my portfolio goes up and down. And in those hard time, I am not the best investor. When the market is down, I don't like it. I don't feel it as a great time to invest. I am just in the mood to invest. But without investing, my life get very boring and ordinary. Believe it or not, I have $2 000 available to invest and guess what, its not yet invested!!

I hold JFT Strategies Fund (JFS.UN) in both RRSP and non-registered account. I am thinking of adding some more of those gold units one more time in my portfolio, this time in my TFSA. For any investment portfolio, JFT Strategies Fund (JFS.UN) is bullet proof against the stock market volatility. The fact that the stock market goes up and down like crazy barely have any effects on the JFT Strategies Fund (JFS.UN). The capital gain on JFS.UN had been super great. Personally, what I like to do with the JFT Strategies Fund (JFS.UN) is to watch up it gain $510 in capital gain and when it does, girl do her thing, she sell and enjoy the free cash.

I always knew I was going to make my bucks on the back of Jean-François Tardif. HELLO SUPER CASH. In the immediate, my investment in JFS.UN won't bring anything in term of dividend, but I do remember one time when the fund had proceed with a special dividend distribution. When everything collapse around you, JFS.UN just keep going.

Recently, a bad surprise was the lost of Sprott Strategic Fixed Income Fund (SFI.UN) inside my TFSA. Following what, I was curious to see at how much I am at in term of dividend earnings. After calculations, my annual dividend income is of $6 089.34, the equivalent of $507.50 per month. I wasn't earning much from Sprott Strategic Fixed Income Fund (SFI.UN), but still, dividend money being so hard to earn, every penny counts. I was earning $23.50 per year from my old SFI.UN.

I would be very happy to reach a dividend annual income of $12 000. And that make me regret all of the money I had invested in my RRSP. If I could go back in times, I wouldn't invested anything inside my RRSP.

Wednesday, October 21, 2015

October 21, 2015: The Future start HERE

I adore the Back to the Future movies. I don't get tired of it. And today, we are in the future!

I just would like to be a little richer. Otherwise, future is almost perfect.


Tuesday, October 20, 2015

Sprott Strategic Fixed Income Fund (SFI.UN) is terminated. Done. Over

During my vacations in October, something happen to Sprott Strategic Fixed Income Fund (SFI.UN). SFI.UN is no longer active on the TSX. They are such a bunch of losers at Sprott Asset Management LP that they decided to terminate the Sprott Strategic Fixed Income Fund (SFI.UN). I had been holding SFI.UN in my non-registered portfolio 2011. Do no ever invest in any of Sprott Asset Management LP investment products because if you do, you'll only lose money. I also lost a great deal of money by investing in Sprott Canadian Equity Fund.

Make sexy proud and DO NOT INVEST in any of Sprott Asset Management LP products. They are only "products" and don't conduct to any richness at all. Please learn from my mistakes and be f aware.

Since Sprott Strategic Fixed Income Fund (SFI.UN) no longer trade, the losers at Sprott Asset Management decided to sell of shares and provide cash tot heir investors. The Sprott Strategic Fixed Income Fund (SFI.UN) is now behind me. And the cash I received from SFI.UN left me with more than $600 cash inside my TFSA. I currently have a $1 400 available on cash, so a 2k+ will go for investment.

The stock market is very volatile right now. Like we are like so f! Options are limited. Everyone agree with this point: 2-15 is the year to maximize your TFSA contribution because after that, starting 2016, the TFSA annual contribution would drop from $10 000 to $5 500. I currently have $19 625 left available to invest inside my TFSA. Soon, $1 400 will get transfer my TFSA. Following what, I will have $18 225 left... Its still a lot of money, where am I going to take the money from? Well, this bitch is full of resources, staring with a 5k at 3.5%. Great, but I will still have $13 225 left... 

But hey, read this article, and tell me after if you are still interest in the TFSA.

SOooooo confusing! Like always. LOL.

On another note, my non-registered portfolio is getting better. at $128 306.30. I am looking forward to hit on the $130 000.
 

Thank you

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