An in deep look at my non-registered portfolio

Previously on the Dividend Girl blog (which is my blog blog by the way), we comment on the way to add gambling to a regular and boring stock portfolio. Before getting on any gambling game, the first question you need to ask yourself is: can you afford losing any money at all? I know the regular stock blablabla of Derek Foster ok, something like you are not in to lose money or something like it. A blablabla sentence of Warren Buffett.

Personally, I probably trade on the stock market for the next 50 years and possibly even more. This means that I have the rest of my life to recover from my taste to danger and gambling while I gamble. The trick is to gamble moderately.

I post a couple of times about my troublemakers stock. I name “troublemaker stocks” the stock I am losing money on. Investing in stocks is the land of delicious temptations. It makes me laugh hard when I read articles like the one of Rob Carrick, “Keep it simple with ETFs”. The stock market is a word of opportunities, it is not simple and it wasn’t made to “keep it simple”.

At first, losing a couple of thousands on a stock is certainly heartbreaking, but it’s not something that will kill you. Investing in stock is dangerous. Investing in stock is evil. Once you enter in the world of stock, you enter in the world of capitalist salvation. And it doesn’t matter if you’re in the middle class status. I like to invest, buy and sell stocks because while doing so, there’s no direct interaction with others. On the stock market, you have no one to deal with but yourself. You’re alone. You don’t have to deal with dumb heads picking on you all the time for a yes or a no. On the stock market, you are the master mind. It’s a game between you, your money and the market. How well you’ll be doing will only depend on how smart you are. The battle field is widely open and any battle can take place.

Now, personally speaking, for a reason or another, I like to expose my personal finances on the Web. I made and loss great of money while trading on the stock market. Why I continue this game on and on? Well, I cannot stop it. I have no control over it. If I stop, I will be sad.

The stock market has intoxicated my life since 2008 now. I had been investing since 2005. I began with GICS and later on invest in mutual funds. The period of 2005-2007 has been an extremely boring one. I never gave up. I wasn’t able to get what I wanted. It took me Derek Foster and the Lazy Investor to get started. It took me a very long time. I invested in stocks when I was a splendid 27 beautiful bitch. I am lucky because nothing have change of me between the me of my 27 years old and the me at 32 years old. Still wrinkles free, I always think that my stock adventure began at 27 for a reason. The only reason I find is that I didn’t have too money to invest before 27l. I don’t have that much today, but I have a bit more than what I used to have. And it really just what matter. At least, I haven’t been stupid enough to invest in real estate. I don’t own a place. All of my cash is place on the market. We’ll how good or how bad it will turn in a couple of years.

If you decided to take an adventurous road while investing, just prepare to lose money. I am able to understand about those things now because I have experiment it. I now become more able to distinct a good stock that will bring stability value and also a stable dividend income.

Here are they, the marvelous stocks that make my everyday gamble game possible:

Pembina Pipeline Corp (PPL)

+$6 467.29, +91.19%

Enbridge Income Fund Holdings Inc (ENF)

+$2 440.65, +40.64%

Methanex Corp (MX)

+$2 070.90, +127.30%

Exchange Income Corp (EIF)

+$1 913.43, +27.26%

Davis + Henderson Corp (DH)

+$1 598.27, +53.19%

WesternOne Inc (WEQ)

+$1 339.01, +71.53%

Corby Distilleries Ltd (CDL.A)

+$1 219.71, +121.30%

K-Bro Linen Inc (KBL)

+$1 051.01, +51.65%

Fortis Inc (FTS)

+$937.62, +34.19%

Canadian National Railway Co (CNR)

+$927.91, +30.22%

Bank of Nova Scotia (BNS)

+$800.30, +13.71%

Agrium Inc. (AGU)

+$698.76, +35.28%

Westshore Terminals Investment Corp (WTE)

+$593.04, +12.54%

iShares S&P/TSX Capped REIT Index Fund (XRE)

+$554.07, +26.43%

Premium Brands Holdings Corp (PBH)

+$539.29, +7.31%

Canadian Utilities Ltd (CU)

+$313.41, +24.20%

Enbridge Inc. (ENB)

+$257.13, +25.73%

TransCana Corp (TRP)

+$171.51, +16.87%

TMX Group Ltd (X)

+$87.87, +26.14%

Chorus Aviation Inc. (CHR.B)

+$79.23, +14.88%

Rogers Sugar Inc. (RSI)

+$61.69, +11.66%

Firm Capital Mortgage Investment Corp (FC)

+$38.81, +7.60%

Student Transportation Inc. (STB)

+$27.11$, +4.24%

Black Diamond Group Ltd (BDI)

+$27.51, +5.37%

Bombardier Inc. (BBD.B)

+$22.51, +4.49%

Cineplex Inc. (CGX)

+$6.51, +0.79%

TOTAL: +$24 244.55

Pretty nice isn’t? Well, don’t talk toooo fast, wait until you check out the list of my troublemaker stocks. It’s ugly, I am warning you:

Sprott Inc. (SII)

-$6 196.53, -62.17%

Just Energy Group Inc (JE)

-$4 789.01, -43.37%

Timminco Ltd (TIMNF)

-$4 064.86, -100%

Data Group Inc. (DGI)

-$2 934.74, -69.91%

Encana Corp (ECA)

-$2 217.41, -36.31%

Kinross Gold Corp (K)

-$1 327.63, -52.96%

Atlantic Power Corp (ATP)

-$758.25, -23.01%

Blue Note Mining Inc. (BNT)

-$683.60, -99.42%

Hanwei Energy Services Corp (HE)

-$627.50, -93.10%

Canfor Pulp Products Inc. (CFX)

-$470.85, -29.56%

Pengrowth Energy Corp (PGF)

-$399.67, -28.73%

Colabor Group Inc. (GCL)

- $396.77, -33.74%

Horizons Gold Yield ETF Common (HGY)

-$327.88, -15.85%

New Flyer Industries Inc. (NFI)

-$316.75, -12.96%

Crescent Point Energy Corp (CPG)

-$171.69, -16.76%

Veresen Inc (VSN)

-$146.61, -14.56%

First Majestic Silver Corp (FR)

-$145.99, -7.70%

Heroux-Devtek Inc. (HRX)

-$138.69, -22.45%

JFT Strategies Fund (JFS.UN)

-$68, -3.40%

Emera Inc. (EMA)

-$16.49, -1.83%

GEOVENCAP Inc. (GOV)

-$0.60, -42.86%

TOTAL: - $25 441.27

- 25 441.27 + + 24 244.55 = - $1 196.72

I think this illustrate how important it is to have massive asset in good quality holding if you want to fully enjoy the stock market to the max and enjoy a bit of gambling. Gambling might had taken too much place inside my trading life, but I am slowly recovering. I invested in great quality stocks recently, like Cineplex Inc. (CGX), Black Diamond Group Ltd (BDI) and even more recently, RioCan Real Estate Investment Trust (REI.UN). 

The most interesting part is that some investments I made were for gambling purposes at first, but they turn out very well! I am thinking of Bombardier Inc. (BBD.B) and Chorus Aviation Inc. (CHR.B).

There’re a few investments on the negative side that I don’t worry about: Horizons Gold Yield ETF Common (HGY), New Flyer Industries Inc. (NFI), Crescent Point Energy Corp (CPG), Veresen Inc (VSN), First Majestic Silver Corp (FR), Heroux-Devtek Inc. (HRX), JFT Strategies Fund (JFS.UN) and Emera Inc. (EMA).

As for the other stocks, like Sprott Inc. (SII), Date Group (DGI), only time will tell if I was right to hold them tight. Losers may not be losers forever.

This exercise only covers my non-registered portfolio. I hope you enjoy.

Dividend Girl readers need to help Mr. A NOW

I just proceed with two $25 donations on Annie blog, my frugal expert.

I had been reading Annie Brewer Web site for many years now and I was shocked to learn that her neighbor house - she name him Mr. A - had burned down. Mr. A is also another frugal expert and gave Annie many things, including a thing to put her mattress on. The guy is a recycling expert. Just a few days ago, his house got on fired. The only thing Mr. A was able to rescue was his laptop.

If you are a Dividend Girl fanatic and really can't live without reading me on a daily basis, PLEASE, go donate on Annie blog for Mr. A to recover. I like Mr. A very much and it will be very great if my readers would donate on Annie blog for Mr. A. Go now. I gave $50. If every single readers give the same amount, imagine the money for Mr. A who just lost everything. Imagine, we are in the cold winter!!!

Make me happy, and donate to Mr. A.

Celebrating half a million page views!

It happens today. I am actually passing the 500 000 page views. This is quite fun and a bit strange because I never expected to hit the 500k page views on this blog. I blog to defend my very own interests. And live and breath for my money, but I am not exclusively all money related. Because if you know, I don't only write about my personal finance, but this is all about the spectacular me driving Gordon Pape very very mad. Don't expect to give me shit without getting anything in return. I am good in revenge and I breathhhhheeeeee for revenge. I like the feeling of having the ability of getting the last word on everything. Don't ever think messing with a Virgo of the latest decade and a female one. And a French Acadian one with a broken English.

My raw English happen to be that way.

So its seem like there's a bunch of people reading, sometimes by accident, some other by interest. Personally, I never had the pleasure to read that extension of me where I would know someone personal finance, how much you earn, how much you hold, what's your net worth, how much debt do you hold, etc.

So basically, my blog is by far perfect and I am just please to learn that there's some people reading my every words and are just deeply and madly in love with me. Or something like it.

This is all about getting the control over my life. There's no place for forgiveness, just a place to fight the enemies and make them perish, pay and die in hell.

Now, go read someone else blog and try to get the same immediate buzz.

So just keep going and love me madly.

Turning demonitraxixxx.

Welcome in my TFSA portfolio Precious Metals And Mining Trust (MMP.UN)

I got a couple hundred bucks transferred in my TFSA account this morning. I dring dring TD Waterhouse before hitting to work for a too long day. Following the money transferred, a very nice French and male TD Waterhouse broker offer to place my order and it didn't cost me more than the regular $9.99 commission fee.

You got to be careful if you gave order over the phone - make sure you ask for the commission fee because proceeding. Because it could cost you as much as $75 bucks and that's too much.

I got my Precious Metals And Mining Trust (MMP.UN) units at $5.17. I asked the broker not more than $5.20, order valid all day today.

Need to be careful with this investment. Since its a .UN investment, the dividend is not pure and its better to have it inside the TFSA. I cannot wait to have my dividend income increase, totally tax free. If you get it at the right price like now, holding a bit of MMP.UN cannot hurt.

In my case, I did it in order to get the same dividend income as before JE got its dividend to 84 cents...

I am now at $7 030.26 in annual dividend income. I am just missing just a $50 to get back at the sam old thing I used to have when Just Energy dividend was more juicy.

Job suck as always, if not more than ever and I cannot wait to earn even more to leave.

Eric Sprott next hot sexy thing. It’s not the Dividend Girl, it could be Platinum

What you are about to read could be my longer post ever. It explains in details my strategy to get my hand back on a $7 081.80 dividend value. It also explains a nice plan to get yourself a bit richer if you have a few thousands you don’t know what to do with it. Most of the time, I always know what to do with my money.

I am doing the best I can to stimulate the Canadian economy by investing in Canadian stocks. It’s something that is really important for me. But now, I made a fascinating discovery and of course, business like usual, I am telling you all. I am really hoping that you are doing your reader job right now because what’s coming next is HOT. I just hope you have the intelligence it take to read me and not doing what a reader did, like f@ck, reading me once every 6 months... SHIT. I am insulted. Deeply. Massively. (You can read the comments post in the previous post to figure it out, it’s not like I am going to explain everything).

Not too long ago, I can still remember trading silver on and on and on. I buy, I sell, I buy, I sell. It was fun. It was cool. It was lucrative. But for a reason or another silver value collapse. I own silver in my RRSP and TFSA, and also in US dollars. I invested several thousands of dollars in silver, but suddenly, the silver value collapse, so I just kept in what I had, hoping silver value will raised again later on.

For those kind of things, when my idea is fix, I don’t have any problem holding an investment that is not doing well. I went through those kind of things more than one time and at the end, I got my rewards.

The very first stock I ever purchased was Sprott Inc. (SII). I purchased it when stocks were at $10 each – right before the 2008 stock crash. Following what, the stock market crash, my investment went from a $10 per stock value to less than $5. Imagine! My first stock investment was just like BLOWING me off. LOL. I guess you never had read that from your life, blowing me off...

This is what you get from a French girl.

Following the 2008 stock market crash, SII reached the closed to $10, if not back $10. It reached back that value because Sprott had launched the Sprott Physical Silver Trust ET (PSLV) and Sprott Physical Silver Trust UTS (PHS.U). Right now, Sprott Inc. (SII) is below the $5 bucks. But this time, its’ not silver that will come to the rescue of Sprott. It’s Platinum. I read about Platinum a bit here. I get the idea that Platinum is a valuable and needed metal. 

Just like silver is. But because the stock market is all over the place, the economy is weak, silver and gold are not exactly the best of the best right now. But there are alternatives. And one of those alternatives right now is Platinum.

Because Platinum is so hot, Sprott launched Sprott Physical Platinum and Palladium Trust (NYSE Arca: SPPP) and Sprott Physical Platinum and Palladium Trust (TSX: PPT.U). I think that the Platinum Sprott products will have the same effect as silver did. I HOPE.

I don’t recommend to invest in the Canadian version of Sprott Palladium Trust (PPT.U) because just like the Sprott silver, it’s in US dollars, and not Canadian ones. The headache is not at the time of the purchase, but at the time of the sell... It’s complicated and trust me, you don’t want of PPT.U in your portfolio. But SPPP in US dollars, in a US $ broker account, go for it. Its really that much messy.

If I would have a couple thousands, I would invest in SPPP. But not right now. Right now, I want to get to the same dividend earning level I used to be BEFORE Just Energy Group Inc. (JE). I am about to get back on the glorious road very soon. By target is to hit back on at least $7 081.80. It is quite good money made on relatively secured stock position. I know my portfolio very well despite knowing little about such stocks like WTE. I never fail on my duty however, I like to find new stocks to invest in and I like to make my portfolio better and stronger. It’s always a very sad event when a company like JE, for example, decrease its dividend income. I work at one single job right now. I made just a bit of money my blogging and a bit more by doing some freelance. So the money available to invest is just not there. 

As I am getting older, I don’t like the idea of hitting on 2-3 jobs at a time, but this is really how I made it possible to get all the cash needed to invest. Life is not so expensive in Montreal, but I turn down my medium velouté coffees at Second Cup. I cannot turn down on makeup shopping and nail polish. Those represent an average of 1,5k expense per month for my living. 

This is going to be quite an enormous post to read. I am not even done yet!

Back in the days, TELUS Corporation (T) was a Derek Foster stock. Currently, Telus trade at its highest ever, but it’s been said over here that Telus could make a 6% in 2013. The dividend yield is not too bad, almost 4% but not exactly 4..., but 3.775% In my case, you might know it by now, I have a margin account in my non-registered portfolio. So adding something like Telus Corporation (T) in my portfolio will increase the value of my margin without having to inject cash. Of course, the money borrowed on the margin will remain high, a bit more than 51k at this time, for a 16k left. 

Very recently, Derek Foster has announced a new investment he made. I listen to the video. It’s a Canadian company we all know about. The stock recently decreased in value. The stock value is still high, but the dividend yield is terribly low, not even 2%.... I like Derek Foster very much, and I am very happy to see he’s getting back in the Canadian game.... but gees, that stock, I don’t really want of that stock in my portfolio.

It was strange for me to watch Derek Foster latest video because I saw some wrinkles on the left side of his neck and it was strange. How can you get some wrinkles on your neck like that? By having too much babies. ahah That is what it is. When it comes to Derek Foster little kids, I am always getting stuck on the number 6. I just wonder if it means that he’ll get 6 kids or it’s just me who’s imaging some stuff. Fact is, Derek Foster is getting older and I am getting older too. I just get involved in a relationship before my ovaries cannot procreate anymore.

No matter how many children he’ll get, I really wanted to hit the $700 in dividend income by the end of 2013. And I want to get it by investing in quality stock.

I am not a good investor, but I have a taste for gambling and I am adventurous. I know I said the idea of the mountain lion hero was a bad one... But I am extremely tempted to invest in Precious Metals and Mining Trust (MMP.UN). Why? Because with my upcoming investment in Telus Corp and by investing a relatively low amount of money on MMP.UN, I could very easily hit back the old $7 081.80 in dividend income. A low investment in MMP.UN (like $900) + a $1 700 investment in Telus would be enough to push be back on the very close $7 081.80 dividend value... This is terribly tempting. I might transfer another little sum of money inside my TFSA...  and invest in some Precious Metals and Mining Trust (MMP.UN). That will bring be to somewhere close to $7 052.75 in dividend income.

Inside my investment portfolio, I hold a couple of things that don’t pay a damn cent in dividend. Here they are, with their value on date of January 26, 2013:

First Majestic Silver Corp (FR): $1 752

JFT Strategies Fund (JFS.UN): $1 930

Heroux-Devtek Inc. (HRX): $517

Sprott Physical Silver Trust ET (PSLV): $1 943.66 (US $)

Sprott Physical Silver Trust UTS (PHS.U): $2 544.46

= $8 687.12

If I would sell and reinvest that money at 6% yield, it will pay mean annual: $521.22... Quite crazy isn’t? For now, I still hold those investments the way they are because I hope they will eventually gain in value... one day. I have no doubt about this concerning First Majestic Silver Corp (FR). As for Sprott silver, it could eventually go up again, I don’t worry two much about those 2. As for JFT Strategies Fund (JFS.UN), no big gain yet, I am actually losing in that one a bit, but I guess and hope that the fund is well managed  by Jean-François Tardif and you know, one day I will cash big the investment. As for Heroux-Devtek Inc. (HRX), I own it since December 2012 because the company decided to pay a crazy $5 special dividend... CRAZYYY.

No rush to hit on the 8k in dividend income, but I can make it happen. Also, once Sprott Inc. (SII) will gain in value, I will partly sell it and reinvested the money. We are talking here of about a major original 9k that worth a lot less now. I don’t have any problem holding Sprott Inc. (SII) for now. Patience is a virtue that I do have.

I more of a fantastic gambler than a very good investor but I do believe in my choices.

Welcome in my TFSA portfolio RioCan Real Estate Investment Trust (REI.UN)!

These days, Quebeckers are making me laugh very very hard. It’s quite hilarious to read about Pauline Marois saying about herself that she’s bringing richness to Quebec... Euh.... da... it’s quite the opposite way. I am just excessively happy. Quebeckers are finally receiving the punishment that they truly deserved. And this is just about to begin. Just wait to see the whole Quebec economy collapse. I am waiting to see. 

Quebec province has everything for itself. The province is able to produce the electricity it need for its own province and even more. But it happens that they cannot even manage Hydro Quebec properly. Electricity cost is going to rise, tax on alcohol and cigarettes are very high. We are not that much highly taxes in New Brunswick. Why? Is it because we are richer? It’s clearly the opposite. We can barely produce any electricity at all. Bunch of workers are working just a few months every year in my native province.  

Our strength, us New Brunswickers, is that we know where we come from; we are not fresh and arrogant as much as the Quebeckers are. And most important of all: we are proud Canadians.

In Quebec, social values are not as strong as in New Brunswick.

It doesn’t matter how much you are rich. What matter is in the brain. It’s in the intelligence. It’s in the manner you deal with difficulties. It’s in the spirit. It’s in the way you fight your enemies. At this time, my enemy number one is my immediate supervisor and my goal is to drive her crazy. I want to set her up and mess her up. I want to drain her. And yes, I am praying for her hell. I want her to suffer in her bones. I guess you all want to know why. Well, maybe I will have time to write about all that this weekend because right now I have other things I want to discuss about.

Everything related to Quebec is simply disgusting and I cannot wait for Quebec province to financially collapse under the influence of Pauline Marois, if you see what I mean. Quebeckers like to make fun Canadians and now it’s our turn. Look at how dumb they are.

Pauline Marois is a funny clown to watch. She hasn’t received a bullet in the head yet and it’s for a reason: for Canadians to preserve our heritage and for Quebeckers to die young.

And while watching the clown going, the TSX lost about what, 50 points today? 

My stock portfolio is doing quite well. First, I welcome recently in my portfolio a new investment: RioCan Real Estate Investment Trust (REI.UN). 

Remember my investment in New Flyer Industries Inc. (NFI)? Well, the investment is doing much better now. Very soon, I hope to come later on a positive territory with that one. I am pretty sure it will. I always love NFI, even during bad times. It’s not a problem for me to stick to that one.

Stuff like KBL, PPL, CHR.B and many others are doing – like always – very well.

Some, like my now famous Just Energy Group Inc. (JE) are not doing so well. 

Some others, like New Flyer Industries Inc. (NFI) are going in the right direction.

Today is Valentine Day and I decided to give TD Waterhouse a call. Not to say: I LOVE YU to a hot and sexy male broker. But clearly for something else.

Imagine my surprise: Colabor Group Inc. (GCL) worth 0$ right now in my company. 

After learning what really HAPPEN I said to the broker that I was wondering who was f@cking with my account and than I told him you know its Valentine Day.

:) Sex, Valentine Day & TD Waterhouse broker(s)...

You have to understand I hold everything inside the palm of my hand. What I want is what I get.

I want $$$ and I am about to get my big bucks. Colabor Group Inc. (GCL) has a stop on it, its not trading and it’s still closed. GCL management group are bunch of f ass to have close the stock for so long today!!!! 

However, the company made a good acquisition and according to the broker I spoke to, it mean good news. And I find it is good news too. (perfect match).

So right now, I want the GCL stocks to go straight high so I can sell this shitty Quebec company very very very quickly.

I plan to make another move inside my TFSA. Like now, cash is just floating out of my ears and some other stuff just keep coming out.

The mountain lion hero man is playing with silver in his TFSA

Around here, we know a buddy that is now made famous under the name of the mountain lion hero nan.

Here's what he said in his latest email. He didn't take time to personalize his email, we wrote to me and a guy at the same time. This is what he said:

"Take a serious look at this dividend stock (3 charts) for your TFSA (it could be at or near a bottom???) -

 

Important to know:  I have no idea WHY the stock price is falling except that China probably reduced it product purchaseing over the last 2 years - which COULD change back to positive in the next 6 months to a year.

 

If you guys find out why the falling price - let me know.

 

 

Precious Metals & Mining Trust (MMP.UN)

 

Current price is  $5.99 (lowest since June 18, 2009)

 

Dividend is  $1.20 per yeat

 

Current yield at $5.99 per share is 20%

Generally a stock with this high a yield is not safe, BUT - see below in blue print

Fund has not paid a dividend of less than $1.20 per year since July 11, 2007 to present

They continued to pay right through the CRASH when the price got down to $3.12 and the yield was 38.46%

 

Average yield over last 5 years has been 16.20% 

 

Highest price ever was Dec. 30, 2010 was  $11.55 

 

Lowest price ever was Nov. 13, 2008 (The CRASH)  $3.12

 

 

Precious Metals & Mining Trust   (MMP.UN)

 

Go see "The Globe Stock investot"  5 year "chart" at:

 

http://www.theglobeandmail.com/globe-investor/markets/stocks/chart/?q=MMP.UN-T

 

 

Then go see the "Canadian Dividend" daily  quote at:

 

http://ca.dividendinvestor.com/member-quote.php?symbol=MMP_U

 

 

Then go see the "Canadian Dividend" Monthly dividend payments since July 2006 (fund beginning) at:

 

http://ca.dividendinvestor.com/member-historical.php?no=1518 

 

China is looking OK again and the US politicians seem willing to (mostly) play nicer now.  Good stuff.

 

I bought 1000 shares at $6.02

My dividend is $100.00 per month

My yield corrently is 20%

When/if the stock moves up to (or over)  $9.04 - I will sell 500

This will leave me with 500 shares with an average cost of $3.00 (or less)

My yield will THEN be  40.0% (or more)

 

I'm not recommending this (of course) - just telling you what I found.

XXX only (name of the other guy) - Have your investor dude check it out."

 

I got burn my playing on silver and its not anytime soon I am going to gamble again. I just have a 1k transferred over my TFSA, its not to be invested on shit like that. I way prefer my new investmment, which will be made on REI.UN.

 

Mountain lion hero is much more of a gambler than what I used to be.

 

I wish him good luck anyway and please, don't write me if you don't want me to share your shit with everyone else.

 

Love u anyway.

Welcome in my RRSP portfolio Toronto-Dominion Bank (TD)

Since the Dividend Girl is a TD princess (yeah yeah, you read correctly), I decided to invest in the best Canadian bank! I had over 6k available in cash inside my RRSP broker account. so today, before hitting back to work on this beautiful rainy Monday, I decided to place an investment for my RRSP.

As a bank, TD Bank was very good to me. TD was the first bank to provide me a line a credit. That was back somewhere in 2005. I also got my RRSP loan with TD and also a credit card which provides me a low interest rate every 6 months as long as I do the ping-pong thing (credit card balance transfer). I never missed a payment on everything I hold with TD. You treat me well, I will treat you well too. Its just too bad that RBC Royal Bank didn't have the same intelligence.

Fact is, TD bank doesn't care that much even your from the middle class. What they want deeply and very madly is your business. They'll give you everything you want, credit card, RRSP loan, credit line. If I got all those stuff, you can sure too! Its not because I am a TD princess that I am necessarily an exceptional customer with a A+++ credit score. TD is a sexy bank and they want YOU to be their customer. It's really that simple.

Since I made my move below the $85, I think I catch my TD stocks at a good price, something like in the $83. I also have a GIC with TD that had expired. Its been on since February 2008. And guess what, it has expired in February 2013 of this year and I didn't earn one single penny from the investment!!!!! This is unfortunately very true.

Lesson learn: better to invest in the stocks of a bank rather its GIC. The stocks of a bank are not 100% guarantee like a GIC, but at least, you are almost 100% guarantee to get an interesting return...

I have a couple of things to take care of right now and my RRSP is one of them. I am still not done with it. I still have the $500 coming from the GIC to invest and also a few thousands. I would very much like to get in the Saskatchewan Pension Plan. I wrote about this one a very long time ago. Since I am not in RRSP at this time, I never made my move. I am just very curious if its possible to invest in the Saskatchewan Pension Plan through a broker like TD Waterhouse.

Other than that, I don't really have much idea for my RRSP. I am even thinking of getting in one or two of their mutual funds, low risk ones.

I am already taking enough risk with my non-registered portfolio. Don't you think so?

Other plan: I am looking forward to transfer a 1k in my TFSA (yeah yeah, you read correctly) and invest in RioCan Real Estate Investment Trust (REI.UN). Yesterday, I was looking at the list of real estate stuff that belong to REI.UN. And it was just soooo funny when I saw that they 100% own a small shopping mall, a mall where I used to go all the time with my friends when I was a teenager. We must had spent hundred of hours at that place! In result of my finding, I NEED to get RioCan Real Estate Investment Trust (REI.UN) in my portfolio. Its just a mater of dring dringggg to TD and say; transfer a 1k in my TFSA please! Or can I do that myself online? It doesn't seem like I can.

i haven't forgot about the mountain lion hero man. Its going to be the subject of my next post.