Thank you TD Visa, I LOVE U

Life if sometimes difficult, but it sometimes worth it. I have received today an overview of my social advantages at work that I will be receiving in December. Those are usually quite costly, but with this job, its actually not so bad, it will be less than $50 per paycheck. I will still be earning a bit more than $1 100 per two weeks. I was scared to go behind that, its the reason why I was happy to learn the low price of my advantages. I won't be getting anything for my glasses, but hey, I have a job. I have been lucky among the way. A pretty girl never has to try very hard while being in Montreal anyway. Imagine if I would be working at a strip club, I probably be making a fortune. I just prefer to keep my clothes on for now, thank you. Vickie Gendreau is a young Quebec author of 23 years old that wrote a novel, Testatment. She's an ex Montreal strip-girl and its quite something to read from such a young voice about the black side of Montreal nightlife. If you are lucky enough to understand French, I trully recommend the reading of the Testament. Vickie Gendreau will fascinate you. In my case, its not anytime soon that I am going to hit a stripclub. At 32, I am almost too old for that kind of easy cash. I prefer another way of earning easy cash: the stock market, and more specifically the dividend way because, you know, I am the Dividend Girl. And right now, I feel like giving a French kiss to the CEO of TD Canada Trust bank.


TD Bank is Canada best bank ever. My TD Visa had a limit of 8k on it. I recently asked for an increased of 8k on it, in order to reach 16k. And guess what, I just been approved for an extra 8k, making my TD Visa reached the 16k.

That make a 8k on which I can do EVERYTHING I want. I want a masseur? I can get them all. A Louis Vuitton bag? A Gucci dress? No no no. It won't be any of those things.

My best advantage is not actually my body, but I was born absolutely perfect, with no taste for luxuries. And that play in my advantage.

See, I had that RRSP loan that I had been carrying for way too long now. And fact is, the interest own on a RRSP loan are not tax deductible. That suck and I want to get rid of my RRSP loan. Things are going great at work and I don't have any signs that its going to end anytime soon. And anyway, you know me, I am already full of cash. My problem being that I am 100% invested. the cash is almost untouchable.

But don't worry, I have more than one trick on my table.

Right now, I have my RBC Visa that has nothing on it. I am going to request from TD Visa to do a credit card balance transfer of $7 500 from RBC to TD (I have a limit of 7.5k on RBC Visa). Once the money is clear on RBC side, I am doing to withdraw the money at a RBC branch, I will but the hundreds and hundreds of dollars on my bra and following what, I will go straight to a TD branch and pay my TD RRSP loan. The remaining left, a few hundreds, will remain on my margin.

Why this? TD Visa is offering a 1.99% percent for 6 months. I have enough of 6 months to pay off 8k of debt and this is what I plan to do. I don't mind that much holding a margin on my non registered portfolio, I don't mind holding student loan debt because I received a tax credit for it every year but gees, a f RRSP loan, I HAVE ENOUGH OF IT.

And this will leave me a $108 on my pockets every single month. Its easier to pay off debt than to earn a $108 in dividend, trust me on that one. The maturity of my RRSP loan is February 2015. Am I going to wait that long to have it all paid off? HELL NO.

May God bless TD Bank, TD Visa and TD Waterhouse and may God bless me.