Two naked men and a Dividend Girl

Humm... Wonder what this blog title post mean hein? Well, check it out for yourself folks, I was really with 2 naked men...:

After doing my Black Friday shopping downtown Montreal, I walked my way back home. I was at the corner of Sherbrooke and St-Urbain when suddenly I saw two naked men running down the stairs of a Karaoke bar... They run all their way down the hill and came back a few minutes later, still naked..., and get back in the establishment. And of course, I was there! The timing was RIGHT ON! Weird, but isn't a great way to start a weekend? Whatever! LOL!!!

I went shopping and I saw a great Insignia 32" TV for only $212.49 at the Future Shop. the sale is on going until December 5th.

I saw a Toshiba TV at The Source for $272, also a "32 one. I was impress by the Insignia one, very good price and a good quality in the screen, the color were vibrant, clear. So I might purchase that TV. I am very tempted!

During my Black Friday shopping trip, I made a fabulous discovery at La Baie. La Baie is certainly my favorite Montreal store. The place is fantastic and its located in a beautiful building. And its at La Baie that discover a wonderful perfume: Si by Giorgio Armani. What an amazing perfume. Its very hard to describe. It outcast Dior all the way. But Si IS expensive. I didn't check on the price at La Baie, but at Jean Coutu, a 75 ml was $75...

Another perfume that I like very much is Trésor by Lancôme, absolutely stunning. La Vie est Belle is also a good one.

My favorite smooth criminal voice crush of the moment: Jason Statham

Ahhhh JASON, JASON, JASON. There's something about Jason Statham. I saw Homefront tonight and I find it very great. Once again, Sylvester Stallone makes the action vibe in the land of the hot Louisiana, beautiful pictures. Stallone movies are always so great. There's that one actress I haven't seen in a real time: Winona Ryder. And James Franco may had in Homefront the role of his career. You'll see, Franco can be a good actor.

I also went for a little shopping before going to the theater and it was fun. Jason Statham is my new boy toy.

My non-registered portfolio closed at a majestic $128 069.50. Hot and classy, that's what it is! My non-registered portfolio never hit that far. Go go go, all of my stocks of my portfolio, go go go.

So where is the f stock market correction Gordon Pape? WHERE. Tell your rich friends of the gold club its not going happen soon because I am in the game pappy.

See, there's people like that I cannot stand. Gordon Pape belong to another world.

TOMORROW IS FRIDAY. DO I LIKE FRIDAYS oh yeah. F Work.

You can do it Heroux-Devrek Inc. (HRX), up up up! Go go go!

Its a Tuesday night and I am currently doing my laundry because I had so much to do. I am older now and I started realizing that my mom is no longer there to do my laundry and clean the place, cook my meals.... Ah miss you mommy! So since I start realizing I need to care of myself by my own (that happen in my thirties...), I do more cleaning, laundry, cooking. As I grow older I am getting cleaner and cleaner. I am no mommy little girl anymore. While doing my laundry, we are getting our first snow in Montreal! The first snow is always very exciting. But because its getting dark at something like 5 pm these days, no way I will be able to enjoy the view anytime soon before the weekend. But guess what, there's will be another weekend in only 3 days now. Park Lafontaine is my favorite spot to go during the first snow. Its absolutely stunning and marvelously wonderful. I would be damn lucky to be renting and apartment over there. But it's not cheap.

I must be getting older because today I saw a 32'' LG plasma TV on sale at The Source for only $322 before tax. I taught it was a sweet deal and I REALLY wanted that TV and I suddenly was in need for a couch, a TV and CABLE. Isn't this horrible? lol... I don't have a nice fancy chair to put my booty on and its sure I miss comfort at a point. But I never wanted to buy anything for my apartment in case I needed to move to get a job, in case something happen and whatever else. Fact that I live in Quebec and not feeling 100% home is not helping either. I don't necessarily  hate Quebeckers only to hate them, but I dislike very much their politics, their choices and what they had become as a society. Like this is not me. This is not me at all. I am in favor for the rights of religion, but Quebec now decided to follow the footsteps of France, which is totally disgusting. God will forgive those damn Quebeckers, but I will never forgive them. I am the Dividend Girl that I am because God built myself that way. Smart, ingenious and sexy - maybe not as much as Kate Moss but nevermind Kate Moss ok I am tired of her!!! Cocaine made her sexy among the way, not God. That is my view on Kate Moss. No one can pose like that, its not natural. Its the HIGH in the sky effect, I am telling you. I AM TIRED OF KATE MOSS.

And also well you know me, all my money goes over my portfolio, its a real rage, I cannot control it. I need to invest or I don't exist. And this blog doesn't exist too - see what I mean? Bu t the Black Friday is coming and I might shop around for a more comfortable chair for my 33 booty beautiful butt getting confy.

State of mind.

Imagine, I had been checking on my portfolio and I NO LONGER experiencing a loss on my Exchange Income Fund (EIF) investment; I am even at at profit of more $100 now. I was soo release! Because as you know - because I wrote about it - not so long ago, I had experienced a loss of 1k over EIF!

Also recently, HRX seriously begin to kick some ass! I had invested in HRX a little way back in other to touch their $5 per share special dividend - THAT WAS HOT, THAT WAS GREAT - can I have another one like that one PLEASE. I heard that Sears was going to pay a special dividend, which I find very stupid because their losing money like crazy but hey, cannot have it all like the Dividend Girl ok.

So the thing is, I had kept in my portfolio Heroux-Devtek Inc. (HRX) after they pay a dividend because I find the company was cool and now, I am only experiencing a lost of something like $60 on the stock. Isn't great? A loss is a loss, but its getting better. And I notice that all of what I had named my troublemaker stocks, they are all going better, like CPG, VSN, NFI.

Like the old Gordon Pape and his rich friends of the gulf club are waiting for a FF stock corrections, I am, the Dividend Girl waiting for richness to happen and it will happen. Kate Moss had her destiny, I  got mine and time for Gordon Pape to call for a retirement because I don't want to read about a poor dude annoying announcing that a stock market correction is about to happen.

Stock correction happen ALL the time for a reason another, Euro, US, Canada, China. What is wrong with Gordon Pape? Its because of its age.

Dieting, Kate Moss, PlayBoy and my portfolio

It was super cold in Montreal today. However, its the day I had chosen to shop for my Christmas and Holidays cards. I almost done. If you need inspiration on what to buy for family and friends, you can check on my purchases right here.

I started the weekend on Friday by cleaning my place and moving stuff around. I have a bit more space the way things are displayed now. The cleaning continue on Saturday and I only went out to purchased some of my meal replacements at Shoppers - 6 at $6.99, good deal. I am obviously still dieting and its going on great. I am dieting harder these days because I know that with the Holidays season coming, I will be eating some cakes and delicious home meals. So I am getting ready to gain a few pounds, but I need to lose more now... Because I know too well that I will gain weight... that's almost 100 % sure. Drinking is not helping either during that happy period. 

I am still getting on the scale everyday and its really helping me to stay on a diet moon. For breakfast, I usually get oatmeal or 2 raisin breads with orange juice and of course a coffee. For snack, around 10, I get an apple or orange. For lunch, I drink a meal replacement. And when I get hungry again, I eat an apple. Once home, I made myself a soup. And I sometime get some pieces of dark chocolate (it supposed to help lose weight). And truly, its all going great. I sometime get myself some salmon for dinner. I also like cucumbers and a diet classic.... celery. I also try really really hard to drink at least 3 big cups of tea per day but I don't always. I sometime bring 2 bold eats at work. I like bold eggs. And I also like oranges and clementines.

I am dieting since the beginning of September now. I guess I will need an extra 3 months to get where I want to be. Some people made me the remark that I loss weight and I was yeah, I am. I try to lose weight without going to the gym. It will make me feel very bad to spend an $80 if not more monthly on a gym membership. So I prefer to eat much less and drink my meal replacements for lunch. I got use to the taste, its not that bad... And with the mix of vegetables and fruit I am eating, I am getting everything I need. I just bought 2 steaks today at the grocery. I will have one done for dinner tomorrow. 

In order to lose weight, there's no magic trick.

Among the process, I eat a lot less than what I used to. Like today, I got breakfast at Mike's on St-Catherine, I guess it was around 10 h 30 and I haven't eat since that time. Great news, I don't even feel hungry. The best would be for me to eat a little something but I would like to lose those extra pounds as quickly possible. And trust me, I am not the fragile little girl. And I am going to kick Kate Moss ass naked.

So I really hope to get my very own personal naked calendar for 2014. Like Kate Moss, she's 40 and she's doing the cover of PlayBoy and her body line is just as gorgeous as ever. I don't think I wil be able to outpass the beautiful body of Kate Moss, but I can certainly have a beautiful body and kick some ass out there that's for sure.

The cost of the calendar? Its not been fixed yet. And naked calendar, only in your wildest dream fools ya!

I am jealous of Kate Moss. Being 40 and so outrageous, you need to be wild. Another wild bitch like Raymi the Minx.

I haven't proceed with any contribution in kind over my TFSA. Fact is, my Saputo investment injected more than $600 in loan value over my margin... I am very tempted to keep Saputo in my non-registered part, but on the other hand, I have like $15k contribution room left over my TFSA... Its always a mess up and a played game, but I need to get more good stuff inside my TFSA. I don't think I will made new by the end of 2013 because with Christmas coming on stuff, its certainly like $600 that is going away too quickly.

When the name barely meet the standard anymore: Jean-Francois Tardif. And nope, you won't know my name anytime soon

A day after my investment made in Saputo Inc. (SAP), my non-registered portfolio closed today session at $127 823.48, +13.60%. Things are certainly getting better. And I can keep going like this in a good market condition, I will be fine. I am still thinking of adding Stantec in later on.

For now, a few things are catching my attention on fire.

First of all, Exchange Income Corporation (EIF). That stock in a major holding of mine. It crash a couple of weeks ago and I was there in a capital loss of more than $700, maybe even 1k, I don't remember exactly. But what I do remember is that I used to be on the deep red with this one. but for now, I am only at -$271. My position in EIF is getting a lot better now. Its never easy for a face a crash inside a stock but when it happen, ask yourself, the famous question: WHY? 

Where is coming the loses? Is it in result of a stock crash? In my case with EIF, there wasn't a stock crash at that time. Did the company announced bad news? at the time EIF crash, nothing was going on. There was no reason behind this capital loss, if not a massive sale off. Investors had decided to sell in order to benefit some valuable capital gains. The most hilarious part is that I had wrote before on my intention to MAYBE partly sell my holding in EIF... And that crash happen... 

EIF will gain in value again, it just take time to recover from such crash in the value.

The JFT Strategies Fund (JFS.UN) is finally getting into the right direction. It was about time. Will Jean-Francois Tardif be able to perform like he used to be? Ok, I remember the guy saying that a 6% was a good result in an interview. What the. I can do better than a 6%, so why can't he? Its because Jean-Francois Tardif is a lazy Quebecker. That's why. But at least the lazy didn't make me lose any money yet so I will hold on. But I am extremely disappointed because the management fees on JFT Strategies Fund (JFS.UN) are very high. 

I guess many other investors got fool by the famous made.

CDL.A had changed of name and quote symbol. I just find it very stupid because the new name is very similar to what it used to be.

I hope to see my holding in NFI, CPG, VSN in positive territory soon but for that, I need a good stock market condition.

Let's make another post out of this! For the love of those TD Waterhouse brokers

Why not?

I finally got a TD Waterhouse broker over the phone - the English ONLY speaking type of broker - see what I mean? And I explain that I had made an investment in my non-registered account today and that I wanted to take that investment and get it transferred over my TFSA TODAY.

After all, I am a TD princess.

I have the big margin, the big credit card, the big credit lines. What does it take more for those little sexy brokers to take me seriously? COME ON GUYS.

Well, ahaha, sometime, things don't get my way.

I did a couple of times contribution in kind. Contribution in kind is when you take an existing investment of your non-registered portfolio and get it transfer over. And than, the magical question being ask, the highest or lowest point of the day. And after, the transfer is being done.

Ok, cool, but why cannot be done this time?

Because the settlement date need to be reach. So I will need to wait until November 21st.

Its nothing of an embarrassment of anything like that because I had a feeling that a waiting period was needed. No one can do anything with a stock within a day, if not just sell it. To sell and buy, no problem, to get in right on time before for dividend, you need to invest 3 business days before the date giving, etc. etc. etc.

Having a lot of fun with TD Waterhouse.

Anyway, may Saputo Inc. (SAP) bring on a lot of richness to my portfolio and GLOW.

Welcome in my TFSA portfolio Saputo Inc. (SAP)!

For once, you'll be happy, I listen to my readers advice! LOL

Well, not exactly, here's what happen. Saputo first bit in that company located in Australia, but they had lost the deal, but shortly after, they back in into it (last Friday) and now, chances are that its Saputo who's going to win the battle. But nothing is sure still yet. Anyhow, I am pretty sure this deal will go through so this is why I decided to invest in Saputo. 

Stantec still have a hot appeal, but with that deal going on in Australia, I decided I wanted to be part of the fun! 

Since I wake up late, I put the trade in my non-registered account. I am currently waiting over the phone for a TD Waterhouse broker to take my call and I am waiting, waiting and waiting... All that work for a tiny small investment... I mean, hot brokers, I love you all.

There's nothing sexier than a stock broker wearing a suit. It drive me crazy and TD Waterhouse brokers at the Eaton Center are quite hot.

Today, the US stock market hit the 16k mark, so I guess that special event explain why there's such a waiting delay in order to get one of those hot TD Waterhouse broker over the phone. I mean, talk to me baby.

I definitely need to invest in extra quality stocks. It will help me to recover from all my past mistakes. But I have to say, no matter what, most of the moves were great. I am not in a hole here. Its just I need to invest more in quality stock and watch out my gambling taste, hold on, breath. Can I seriously do that? That's what we'll find out!

I am still waiting over the phone for a TD Waterhouse broker!!! 

I can easily see myself investing later on in Stantec that's for sure.

Other than the deal in Australia, another think I consider while looking at Saputo Inc. (SAP) is Susan Brunner blog. Saputo used to be among her biggest hold. If you perform a search on Susan Brunner blog for Saputo, you'll only read some nice interesting stuff. Her search engine is at the upper corner left.

Saputo won't bring on a lot in term of dividend, but it could over the long run and it will certainly bring on a nice capital gain. Despite the fact that I am a Dividend Girl, I try not to focus on dividend anymore while investing. High dividend yield = death row. The key for young investor is to keep playing on for the long run, there's no other options. 

I was kind of lost over my TFSA contribution limit. So I place a call to Canada Revenue Agency Tax information line and I got the answer right away. Once this Saputo investment transfer over my TFSA, I will have left a bit more than 13k left available as contribution room. And in 2013, it will be another $5 500 that I will be allow to invest, for a total of almost $18 000.

Its really important to keep track of your TFSA contribution limit because if you exceed the contribution rights, you'll have a SUPER huge penalty to pay. You really don't want that to happen. To find out how much contribution room left you have, call the number, find out the contribution room allow for 2013 and you MINUS - the amount to what you already contribute to 2013. And voilà, you'll get the magic number.

For my part, I knew for sure that I still had contribution room left, it was just a matter to know how much. And I really didn't want to mess up. I still have over 13k left for 2013, that's quite a lot of money. From now on, all of my future investments will be made inside my TFSA. I have soo much in contribution room, its unbelievable. But its not really my fault, its all the fault of my margin. 

While having a margin, it can be extra hard to invest outside the non-registered part because once you start a margin, all your world get control by it. and to star safe and secure, the only thing you can do is:

1) To invest more inside the non-registered portfolio; or

2) Pay the margin down.

There're not a million solutions.

But currently, I have a 10k credit line at RBC that is completely paid off. I have over 10k credit card at a bit more than 9%. I have a 10k credit line at 9% and also a 5k at 8.75%, etc... I have cash, but its cash available on credit lines and credit cards. 

i have now left more than 17k cash on my margin. That's not exactly a lot, but my personal goal was to have at least a 15k left available on margin so I am now exceeding the goal. This is the reason why I feel comfortable now to place more and more investment inside the TFSA.

The best way to deal with a margin is to know your limits, follow the stock market day-per-day and really, everything should go fine. I don't know for how long I had my margin account now, but its been a little while. And time had come to extend my life to a little bit more than just a f margin account, sorry for the world, but it sound just perfectly at its place with the margin.

I am still waiting online for a TD Waterhouse broker to answer... Will someone answer soon?

Review of my first shopping trip to Target, Place Alexis-Nihon, Montreal

It was a beautiful sunny day today and the weather was nice for a November day. Knowing that the Target store was finally open at the Place Alexis-Nihon, I walked my way to the to the mall very excited. But my excitement didn't worth it. Target is just another version of Zellers, in a real replica state. There is good price on some items, but most items are at the same price, if not higher than what you can find at Shoppers or Jean Coutu. Target is only another store like any other else. However, it make another store to check on for sale and bargains.

For my first time at Target, I bought for $17.83 of stuff find below.

Picture may be upload later on if I don't forget, but I guess you all know what Ivory soap and shampoo look like, among other.

I didn't find any good reduction on makeup so I didn't buy any, but I find a few things at great price. I was impressed by the low cost of their body soap and anti-antiperspirant but that was about it... I bought an Apricot facial scrub (their brand, Up & Up) at $2.69 - I usually buy the St-Yves Apricot facial scrub for a bit more; a Dove Cleartone anti-antiperspirant at $ 3.49 - it can be as much as $5+ at Shoppers (but I also saw some other brands at $2 at Target); a box of Quaker at $2 (good for my diet!); 10 Ivory soaps for $3 (at the Dollorama store, I get 3 soaps for $1,50); Herbal Essence shampoo at $1.99 and an apple cider mix for $2.99 - and it doens't taste very good but I wanted to give it a try.  

Interesting savings can be made at Target, but only on some items. I guess Target is another option for shoppers, but its not the ultimate saving spot.

It could worth it to get an RBC Target credit card. It give a 5% reduction on all purchases. Add that to their normal sales, it could add up some great value, on the purchase of a few items, but not everything they have on store.

I wasn't that much impress by my first stop at Target, I was expecting much lower prices.

Genevieve Sabourin hitting on Rivers Island jail, the most dangerous place in the USA

I like it very much when the TSX closed in the high... and today was one of those good market days. My non-registered portfolio closed the day at $126 794.54, which is the highest ever my portfolio ever ever went to. I taught it was cool when I hit the 100k. I taught it was very good at 120k. And how we're on rad for the 130k. And I just keep thinking: wowwwww that was EASY!  But I know that you know that in fact, it haven't been easy, especially with all those motions, stock keep crashing from time to time, Euro, silver crash, gold crash and you know the rest by heart.

I made a deposit of a bit more than a 1k on my margin account during my lunch time so I was all ready to place a new trade but nothing happen. It was extra busy at work and I just had no time left after I went to the bank. So nothing is getting push and I get on my move closer. Its been a long week and I had been dreaming of this weekend all week long. I need to accumulate good investments stuff in order to move on. And Stantec inc. (STN) is very appealing. Its the power of attraction.

This is exactly what I taught but I had to search to find out that this was really real: the poor Genevieve Saboutin is going to spend 7 months in the same jail were Natalie McLennan spent some
time in when she was 24 years old: Rikers Island. And at Rikers Island, do you know what they do with inmates suffering psychologically like Sabourin? If they are taking too much time out of the officers, they put them in isolation. Rikers Island is known to be one of the most violent prison of the US. And its were Genevieve Sabourin is about to spend 7 months of her life. What will be left of her after?

In both cases, Genevieve Sabourin and Natalie McLennan plead not guilty and that certainly help them in the process. That's another point they have in common. Its all a matter of getting the right lawyer. A good lawyer would had tell tell to plead guilty and their sentences would had been reduced. Because both of them were guilty anyway, its just sometime its hard to face the true.

Anyway, sorry to bring on Natalie McLennan again but she's truly a fascination and her book is really well written. Back in October of this year, a television series came out of her story. i just hope she had touched some loyalties because far are the days were she could make $2 000 per hour just by turning on men. That's double of 2 weeks of my salary....

But hey, we all have our addictions. Some are addicted to crack like Rob Ford, some are are addicted to Alec Baldwin, for other its sex and cocaine... And for me, well, you already know my addictions.

Have a good Saturday.

Up close and personal with Alec Baldwin, the man who couldn't keep his pants on in front of b@tches

Today is a very sad day. I was shocked to learn that Genevieve Sabourin will have to do 7 months in a US prison in her case against Alec Baldwin. But I have to say, her behavior in court certainly didn't. From what I understand, the judge gave her an extra 30 days because she was always interrupting the procedures. Any judges would have do the same. I know the court, I had been there once. And I don't understand why her lawyer didn't advise her to shut the hell up! But I guess he might had done so. 

It seem to me that Genevieve Sabourin had been left behind by everyone. She may had a personal intercourse with Alec Baldwin, and knowing the reputation of the man, she certainly had so, and she may even had sex with him. All those things are very great, but once Alec was no longer interested, she shouldn't push it that far. It appear to me that she might still be in love with him. More than a prison sentence, she need psychological help. And I think Alec did not understand that part and I find it very mean in a way. He suddenly left her and Genevieve had been lost ever since. That's what happen. And now her heart is broken and she could face severe depression in the following months. Because its not even 30 days that the poor girl will have to spend in prison: its 7 months!!! 

She's going to prison, and during that time, Alec is free to go, even if he had cheat on his wife. Life is unfair, but bitches have to deal with that kind of shit. However, Genevieve Sabourin is not a player. Her feeling were real, Alec broke her heart, she wanted her revenge, but it didn't work out.

Of course not. You always have to watch your back when you are around rich people like that. Enjoy what pass by, but when its over, its over. And I wonder why Genevieve didn't understand that. After all, Genevieve Sabourin is not a 20 or 30 something fresh hot chick.. she's old, she's 41!!! So I don't get it that she couldn't put herself together. Didn't she had anything better to do instead of Twitting all day long and giving interviews and so on? Her showtime last for a couple of months but nothing good is now left.

USA prisons are very bad and unsafe places to be. I remember reading Natalie McLennan - another Montrealer who spent sometime time in New York and also spent some time in a US prison - and I remember, even now, how awful it seem to be. And its just very unfortunate that Genevieve have to go through the same rough pattern. And when you think about it, there's quite similarities between Genevieve Sabourin and Natalie McLennan. And its sad, because what do you imagine Genevieve can do now to pay her lawyer fees and everything else? Its not just a 80k like me that she might be in debt. Prostitution? Escorting? Its not by being a yoga teacher she'll be able to make it happen. And prostitution is not an option. So she might declare bankruptcy but I don't know if she can do that while being in prison. I just hope for her she'll get sometime to put her stuff in order before going to prison and once back, it will be time to find work and I hope she'll find peace.

No matter how hard I try, I cannot completely understand Genevieve Sabourin.

That's enough about the other bitches, let's go back to ME please.

My non-registered portfolio is hitting on the $126 081.19. Watching it going over 125k is what? Fantastic. And after that, I am being call a cheap entertainer? WHAT???? Get out of here.

One day, I will follow a yoga class with Natalie McLennan.

Are you money disease free? I am NOT

I am getting paid in 2 days and I have to admit; I had been thinking more and more of adding a new investment in so I can catch up with the losses I am currently experiencing with Data Group Inc. (DGI). I made my investment in DGI a very long time ago. The dividend was just tooo sexy and juicy. I couldn't resist. And the stock by itself was interesting too I mean, it was in field of interest to me. And its not the first time I am experiencing a crash in the value of Data Group. 

Currently, I am much more tempted to invest than just put the money on my margin. We talk about Canadian Tire, a reader talk about Saputo... I mean sure, if I had money, I would be investing in both companies. My interest is to get rich by investing in Canadian stocks. Is that impossible, even for me who's mostly tempt to fall into temptations (money, sex, food...). We don't have that big talk about my sex life here, but you can get at least the vibes of it. As for food, I am still on a diet and I am doing great. I lost close to 15 pounds so far and if I could lose another 15 pounds, if not more, well you know, it wouldn't hurt me, if not only my fantastic curves. Yes, I really have it all, its up to you to get the perfect picture.

So in other words, you are getting the very best of me on this blog. And I know you cannot get enough of me. And I cannot get enough of the stock market. My problem is that even while holding a bunch of debt; I cannot stop investing. I am powerless in front of the stock market. Some have gambling problems, others, like Toronto Mayor, crack problems, some other quite liars, hypocrites. I have that sense of perfection very deep inside of me. I am not jealous or anything else you could imagine. I only have one big hell of a problem. I cannot stop investing. I cannot stop trading. I cannot stop looking at the stock market every hours of the day. I am an addict. And I am ALWAYS trying to get on my next investment. Its an eternal search for finding the next new stocks that will make me rich. Its the eternal try to get back on my feet when I mess up with a bad investment. And I certainly mess up a thousands times. And I also succeeded certainly a lot more times. 

I think I had learned the lessons I needed to learn but I needed to do things my way. But what lesson anyway? I am still super close tot he 100k net work and is that doesn't mean much to you, well it mean of a big deal to me. And I am more than certainly 6k in dividend income. I am not suppose to have those several thousands worth in investments. I am not supposed to have available 4 times my salary worth in credit. I don't have the profile. I am not a money magnet in my essence. I am not earning that much money either.

Its start gradually for the better and worst and the better may be set to come because on Friday, just watch me invest in MY NEXT investment: Stantec Inc. (STN). I know, I also have that disease that make me invest in stocks when they are at their highest value. Sorry, but I am suffering from a lot of money disease.

I hope at least that I kept you entertain.

It's a rough time for Data Group Inc. (DGI) investors

I was happy that the weekend finally was over because I had worked all weekend long on a little job for my self-employed work. I am just happy to be done with it. and this weekend, they had their first snow at home in New Brunswick. These days, when I leave work at 5 pm.... its dark. And its getting a lot colder too. So this is really the perfect time to get back on my feet in term of self-employed work and see what I can find. Despite what I work before, I haven't try to get on anything. Fact is, I love to have my weekend offs and I love to have my evenings... 

But now, because the Stop Working is almost dead in the sense it will require me another 100k to 200k in portfolio to make it easy, I decided its time to go. And especially now, because my Data Group Inc. (DGI) had decreased in value AND dividend income. To catch up from such disaster, there's not too many ways... got to invest again some fresh new cash in a new better investment.

At this point, if I sell my Data Group Inc. (DGI) shares, I will be loosing too much. and there's could be change it got better there. I like what the CEO said about the company, that they had a nice client portfolio but they needed to develop their technical side. If they add Internet stuff with their current printing activities, it could work well. Like a big communication firm. At a point, the company need to make money. I understand that - I have a business myself lol...

I am getting my pay this week, its probably going straight to my margin, which is at $54 500 at this time, with a margin value left of 17k+. I need to decrease the using of my margin to at least 50k, and if possible 40k. I think I am more in control now of my margin, its just I need to decrease its using. 

I haven't update my dividend income because f, its going low AGAIN. So I am just ignoring the numbers for now and I am going to work. I wake up earlier today, that's why you are getting this morning post. And its a surprise because I usually really enjoy my morning sleep beauty. There's no better time, even alone in bed.

Could Canadian Tire be a good fit to my portfolio and what happen on the day that Derek Foster open the blinds and other things

Not too long ago, I invested in CT Real Estate Investment Trust (CRT.UN). Its sexy 6.5% dividend yield is what appeal me. But also, fact that Canadian Tire is generating about 90% of its cash in term of property renting or whatever it is, well, that was also quite appealing. Because see, I am dangerously in need of big dividend yield AND conservative business, steady, easy. 

Canadian Tire alone as stock is a little boring for young and fresh investor like myself because what we want first is the money, we want to big yield, so we are willing to jump on anything among the way that promises that. And 6.5% is an impressive yield knowing that blue chips usually pay a lot less than that. Big yields are always pretty sexy and impressive at first,  but I guess you learn, by reading this very precious blog, that yield is not everything. So I try to invest in blue chips and I did very well with CNR, SJ, TRP among other. And I also did bad on various other stocks but that's another story and anyway, I wrote about those other stories before.

The most recent newsletter of Derek Foster make me realize in what a f mess I was in. Want to make a living out of dividend? GOOD LUCK BECAUSE YOU'LL NEED SOME. With all my efforts, I am only at 6 500+ in dividend income. But why is it so low in regard of the thousands invested? One major problem that young people are facing in today economy is that good quality stock only now pay a very little dividend yield. A safe and reasonable dividend is anywhere below 6%. After 6%, you are dealing with stock players like Just Energy Group Inc. (JE). The dividend yield of JE is more than 11%. That is not really reasonable. I am a mega fan of Just Energy and I probably always be just in regard of the personable story of its founder Rebecca MacDonald. But I know too much on how many problems represent a high dividend yield. Usually, when a company like JE decided to decrease its dividend distribution, its stock value decrease as well. That is what happen to me with Colabor Group Inc. (GCL).GCL decrease its dividend and following what, its stock money value decreased as well. 

But a cut in the dividend distribution doesn't always = to a loss in the value of the stock. This was a long long time ago, but back in the times, PGF had declared a dividend cut and following what, I rush to sell my stocks. But following the news, the stock price remains the same. So those things are a bit unpredictable. No one can really know what will happen to the value of a stock following a dividend cut, but most of the time, the price stock will decline in value.

Ok, well, what all this blablabla really about?

Well, 2 days ago, I realize that I would have to work very very hard to be able to retire from my dividend in a very shocking way. It all happen following the reading of Derek Foster latest newsletter.

In that paper, Derek explains that before 2006, before the income trust begin to be heavily tax, well before, it was easy to make money from dividend. And even before that, the stock market was a gold mine. It appears to me that it was a lot easier before than now. Derek Foster doesn't even hold any of the stocks he talked about in his Stop working book that was first published... in 2005. That was one year BEFORE the bullshit happen to what use to me the most extraordinary cash maker of Canadian history, what I used to call my ".UN investments". I had just a little invested and cash was coming OH MY GOD. It was HOT.

But came 2006 and after that the crash of 2008 and than suddenly Derek Foster got scared and sell ALL of his portfolio. He later came himself an idiot for doing so, but he's been doing even better ever since...

This mean that our mentality have to change. We need to stop focusing big time over dividend yield. Small investors like myself who don't have a lot of cash to invest really have to do it the right way. Because you don't get a second chance. When you lose money on the stock market, the money is loss forever, there's nothing you can do about it. Did I loss money on stock market? Oh yeah! And did I make some? Yeah yeah. 

Being in a circular bear market shit is certainly not helping. Me and Derek Foster, we have exactly 10 years apart. Derek is 10 years older that I am. If I would have invested 10 years ago is stocks, maybe I wouldn't be writing this shitty blog right now. I would had grow fabulously rich! But I was too. young 10 years ago and worst, I didn't have any money. When I complete school, if had about 15k in my bank account, but its all what I had to start my adult life on. 

I think the worst part is that the Stop Working book of Derek Foster is selling a dream that is no longer possible. And believe it or not, I only understood that about 2 days ago. The worst is to sell a dream, an impossible dream.

But the dream is possible. I mean, you just have to look at my very own situation to understand. The dream is not impossible, but FFF difficult!!! OH YEAH!!

Growing up, I never been money oriented, and I still the same now. But I looking to do the best I can with what I have. And we should do all the same. No one was there for me when I was getting those hours cut at this job, or being laid off from this job, going to court against my employer on another occasion etc. No one was there. And its what you have to understand that while facing money problem, no one will be there for you too. We live in a world that is shit. That is why you have to make the commitment to be stronger than your enemies and one big part of the game is get richer than they are. And trust me, even at not even 100k net worth, I am a lot richer than a lot of people that piss on me.

Saving money, investing, none of those things are difficult. Is just a matter of finding your way. One reason I am not leaving Derek Foster alone is that - even if he build up an impossible or FFF dificult dream in the Stop Working, he help to explain how, at least to go somewhere. PPL, CDL.A, ENF, ENB, PGF, TIM, and a few other are Derek Foster stocks. I had build the roots of my portfolio making several thousands on PPL and a bunch of other. I got my shares of Methanex way back at something like $15. And now my margin is left at 18k... Like this portfolio cannot to be vain. It went through all a series of unforgettable stock crash, Japan tsunami, etc, etc. Like remember how many things we went through and survive?

Well it was all because of the blue chips I hold. And in order to remain healthy, I need to invest more and more on blue chips. That's the lesson of the day I wanted to share. There's no way you'll make your way by only buying stuff that pay a yield of 6%+. The dividend dream is vanity, its a blush on your eyes. But time to see clear now. 

The dividend income will be small at first but in a decade of so, it could worth a LOT more. What is the trouble to wait a decade or two to be able to get all of your live just for you?

But before that, a good stock to hold would be Canadian Tire. The company is doing great and has increase its dividend yield of 25%.

Do it like a cowboy and hold to it.

STOP WORKING, but LATER. :)

Dividend investing: for the better and worst

While Toronto mayor John Ford is getting high on crack and alcohol in Toronto, us, on our side, here in Montreal, our dividend income is going down!

Sometime, shit happen. Its sad, but life is like that. Its just a matter of what you are going to do next as sexy move. Get high or work up your ass, its your own choice to make. I made a great start, I did some laundry tonight ;)

Ok, more seriously now.

It may not seem like it at first, but when you begin your financial life, start putting some money aside, start investing and stuff, well, very quickly, that financial part slowly but certainly take more and more place into your life. Well it did actually to me. Just have a quick look at my portfolio and check on all my holdings... I am saying I doing exactly and always the best of the best choices, but I am not that all bad. Again today, my non-registered portfolio closed at 125k+. I will say that things are doing well, but it's difficult. 

Its not that all easy to be an investor and to be a dividend investor. On a day like today, nothing is easy. A while back, I was earning more than 7k in dividend income (that was excluding my RRSP). And today, I am making less income. Why? Because some holders I have made the decision to cut on their dividend distribution. And trust me, when that happen it hurt. It hurt real bad. Because the only source of steady income is steaming away.

Today, EnCana declared a dividend distribution of 0.07 cents per share payable on December 31. Nothing wrong, you'll say? Well usually, EnCana Corporation (ECA) distribution is of 0.2075 per share. It doesn't mean EnCana dividend will remain  this low forever, but let say it sincerely: this suck!

If I consider that EnCana distribution would be of $0.28 annually, after adding my newest CRT.UN in the count, my annual dividend income is of $6 574 excluding RRSP. Its not too bad, but I use to earn more than that. I currently have $7 241.96 invested in stuff like FR, JFS.UN, PHS.UN and PSLV. Those investments don't provide any dividend return. It could be easy to reinvest the money in dividend players and mixing for a 5% yield. Such solution is available. I could do so, but I don't. Because I hope silver will go up again. 

I am really not concern over FR. I am pretty sure First Majestic Silver Corp (FR) will go up again one of these days. Its just a matter of when. It could take sometime, but I am not in a rush to sale. As for the other silver stuff I hold, I had been holding it for quite sometime. There's been that period where I was buying-selling, buying-selling silver on short period of time, and I was making small profits for those trades. It was fun, but came a time where I could no longer make those moves, silver had declined in value - and that being really suddenly, like BOOM. And I got F. lol 

Trading is dangerous because at one corner, when you don't suspect anything, you get stuck. Impossible to sell at profit. That what kill me somewhere. But I am not dead.

You survive from those things but it just take some time to recover. I guess one day in the future I will making 10k in dividend and one day, I won't even remember that I had wrote this post. It is your job to always remember, not mine. 

Welcome in my TFSA portfolio CT Real Estate Investment Trust (CRT.UN)!

I place my call to TD Waterhouse in the middle of the afternoon, I was about to run to their office at the Eaton Centre, but finally someone answer. I had a $715 transferred over my TFSA account. Following the transfer of funds, the broker was able to place the trade for me. I order 100 units of CT Real Estate Investment Trust (CRT.UN) at a max price of $10.40. My order go through immediately at $10.39. And CRT.UN closed today session at $10.39.

I am very please with this new investment. Unless I change my mind or win the jackpot by the end of 2014, this investment will probably be the last one for 2013. So far, 2013 had been a god year overall. I tried to be extra careful on my new investments. I won't make a review of my 2013 investment year yet, but really, so far so good.

Currently my non-registered portfolio is at $125 039.17. Anywhere over 125k is reallll good for me.

I am happy with my investment in CT Real Estate Investment Trust (CRT.UN) because I feel it has a good chance to grow strong. Its not hard for me to imagine CRT.UN trading at $15 per share. Maybe it could be the case in 2-3 years, I don't know. I hope for a grow, for a good steady dividend. For now, CRT.UN has fill all those promises, since its inspection, CRT.UN just keep growing and I guess that the first monthly distribution will be on November 15th. I feel like this is a conservative investment and its the row I want to follow.

I burn myself quite seriously on gold, silver, Sprott Inc. (SII), DGI, Colabor, and a few other. So I have a lot of catching up to do. I hope 2014 will just continue in the same way. Just good investment, nothing too adventurous for once.

CT Real Estate Investment Trust (CRT.UN) belong to my portfolio and now it is. So enjoy.

A REIT of interest: CT Real Estate Investment Trust (CRT.UN)

I am quite please with the current state of my investment portfolio. So far, good results, I have over 17k left over my margin account. What can I ask more? Well, this is exactly where the problem is. While investing, you always want MORE and you can always do BETTER. Currently, I am at an annual dividend income of $6 567.83, for the equivalent of $547. And of course, I am looking t increasing the number. And for that, I need some stuff like CT Real Estate Investment Trust (CRT.UN) in my portfolio. I am naturally attracted by good stuff.

On the TSX, not too many quality stocks overs a yield of 6.5% out of a flash! This is what hold my interest in CT Real Estate Investment Trust (CRT.UN). Canadian Tire is the most significant tenant of this REIT. CRT.UN offers to its investors more than 6%, while Canadian Tire itself distribute a yield of less than 2%...

CT Real Estate Investment Trust (CRT.UN) closed Friday session at a stunning $10.31, even while the TSX was closing on a lower note. CRT.UN was launched at an initial $10 per unit. And we are now at $10.31! We shouldn't wait for this baby to grow more before catching on the flight!

So here's the plan. I have $335 cash in my TFSA. I plan to transfer $715 over my TFSA so I can get my pretty hands on a few units of CT Real Estate Investment Trust (CRT.UN).

Exciting? OH YES.