Easy breathy profit with Stornoway Diamond Corp (SWY)

I like this kind of weather we are having right now in Montreal. It allow me to wear all the makeup I l want without turning looking like a popsicle doll. And today was a good day for Stornoway Diamond Corp (SWY) who suddenly... jumped at $1.20 per share for no obvious reason at all, if not for being maybe a future trading star, who can really know. I think SWY can go higher. So I am sticking to the plan for now. My non-registered closed behind the $143 000 mark, but not too far away. I am looking forward for a cool little jump just to make me happy for the weekend ok.

I am trying to pay off my little credit line debt as quickly as possible, but its not easy. This month, I went to the dentist, I bought new clothes, 2 pair of running shoes... But it was all needed stuff. The only thing I can do now is to be careful with my everyday expense. Starting tomorrow, I will only have a tiny little $1 537 to pay off on that infamous credit line. And trust me, following that, I will NEVER EVER again get back on debt. I will still be holding my margin debt. I want to bring it down to 65k, but basically after that, work is over. DONE. 

EnCana Corporation (ECA) gave a nice little push on the TSX today, but I will need a lot more to recover from my loses. I still hold to some ECA stocks inside my RRSP portfolio. Otherwise, nothing special, if not that I still have in my taste TFI,  JNJ and now especially Bank of America. Fact is, I think Clinton will win the elections in the US and bank stocks like America will gain capital gain. I won't be able to invest until November, and at that time, will know who will be the next President of the States.

In other words, right now, I need all the luck of the world. Things need to be working sharply.

Believe it or not, Stornoway Diamond Corp (SWY) is the hot "s" stuff you want for your portfolio

Donald Trump sniffing syndrome during the debate two days ago took Internet by storm. Some pics I saw were hilarious. Like this one for example. Hard to laugh silently at work with this kind of insanity!!! Ahhh! Funny funny.

The TSX may had lost 60 points yesterday, but my non-registered portfolio decided not to bother and decided to hit on the $143 020.01 all by itself. A gain of $219.47 compare to last Friday value. It may look like no big deal, but try to make gain when the stock market is down. Today, my non-registered closed at $143 030.50.

The "Dividend Girl Effect" finally kick in for Stornoway Diamond Corp (SWY)! SWY gain... 4 cents today. Its actually way much better than what it look like, because that fabulous 4 cents represent a 3.51% gain. Its looking good so far for Stornoway Diamond (SWY). But I need much more than just a $25 profit to become rich, but lets wait and see.

I had been holding Laurentian Bank of Canada (LB) for a little while now inside my TFSA. Now that LB announced the suppression of 300 jobs, LB shares are up. Its hard to say no to a 4.81% dividend yield. And when a big company like this ones cut in jobs, it stock only goes up up up. Cut in jobs, go ahead, and keep the money for INVESTORS please. No sympathy, especially for "something" that is nothing much than a Quebec institution after all. But a Quebec institution that I hold in MY portfolio. And that's making Laurentian Bank of Canada (LB) as precious as it is. Let it watch flushing more employees please, in a very fancy way. Shouldn't expect more coming from a Quebec bank. Its the only way that LB found its way out to grow and gain in exposure for its investor. Its really just a matter of bringing money to the rich, poor are getting flush and the CEO is getting paid millions. Happy sad world. I am just extremely release not to be a f Quebecker. Thank you.

My secret golden ticket for hot fresh money is Stornoway Diamond Corp (SWY)

I am currently watching the US Presidential Debate. Trump just said his first stupid thing: that Hillary had fight Muslim all of her adult life. What does that mean??? It was say out in the air and out of context. He kept pitching things like that and doesn't explain. I don't understand why Trump said that, I don't understand what he meant. Its the only major problem with Donald Trump, he's all over the place, talked too much and act like a big moron. Sometimes, he has a good speech, sometimes not. And sometimes, he can say the stupidest things ever. I don't like Hillary Clinton, but Trump could be dangerous. He's not the best choice in regard of Canadian interests or anyone interest, especially the US ones. Debates like this one are always really interesting. And it make you think that yeah, bitch like me are lucky to be Canadian! Not from Australia, USA, UK, France..... but from Canada with love. PROUDLY CANADIAN. There you go. Being American right now is just as worst as being a Quebecker for those who are. It might just suck.... so much....

BAD BAD GIRL.

And the TSX is the place to be and I am rocking it as always. Its like I am a queen in her marvelous castle. And back off! The stock market? Its all mine to play. And there's not much more that I like than buying and selling stocks, if its not getting a manicure once in a while. I was pleased to see my overall portfolio value at $253 012.57 this past weekend, but I would had preferred a higher jump. Its hard to make steady points. I know for sure that during the past week, I was certainly somewhere in the 255k. My net worth is now at $174 015.04. I am not missing much to hit on the 200k. And a 180k could be possible by the end of the year.

I hope that Stornoway Diamond (SWY) will help me on the way. SWY is a very interesting stock to hold. It doesn't pay any dividend income. I get in a couple days/weeks ago at $1.15. Since that time, it went up and down, but today at least, Stornoway Diamond (SWY) closed the session at $1.15, which is an encouraging sign. For now, SWY may look like just an ordinary penny stock but watch out, because SWY is expecting its first for January 2017 and they are going to sell sell sell diamonds like crazy. So be ready to get rich and get on the ride while you still can.

Strangely, Stornoway Diamond (SWY) is a Quebec stock. Go figure.

:-)

My debt situation on date of September 23, 2016

$2 370.03 at 4% = $94.81 in annual interest

$76 627.50 at 4.25% = $3 256.67 in annual interest

Total: $78 997.53

[In date of September 23, 2016]

My investment portfolio on date of September 23, 2016

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.26
Bank of Nova Scotia (BNS): $8 104.05
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $4 171.50
Fortis Inc. (FTS): $4 829.04
Pembina Pipeline Corporation (PPL): $19 571.26
Just Energy Group Inc. (JE): $5 938.32
Enbridge Income Fund Holdings Inc. (ENF): $11 876.16
Corby Distilleries Limited (CSW.A): $2 730.36
Davis + Henderson Corporation (DH): $6 464.77
Premium Brands Holdings Corporation (PBH): $29 159.40
iShares S&P/TSX Capped REIT Index (XRE): $2 490.18
New Flyer Industries Inc. (NFI): $4 391.28
TMX Group Inc. (X): $478.96
K-Bro Linen Inc. (KBL): $4 280
WesternOne Inc. (WEQ): $20.90
TransCanada Corp (TRP): $1 573
Canadian National Railway Co (CNR): $7 597.80
Enbridge Inc. (ENB): $1 610.84
Agrium Inc. (AGU): $5 552.20
Canadian Utilities Limited (CU): $1 559.88
Black Diamond Group Ltd (BDI): $105
Emera Inc. (EMA): $1 197.75
Cineplex Inc. (CGX): $1 257
BCE Inc. (BCE): $1 333.42
Stella Jones Inc. (SJ): $918
Saputo Inc. (SAP): $1 833.60
Lassonde Inc. (LAS.A): $2 083.80
Loblaw Companies (L): $824.40
Savaria Corporation (SIS): $5 505
Alimentation Couche-Tard Inc. (ATD.B): $2 610
Stornoway Diamond (SWY): $1 003.20
Open Text Corporation (OTC): $1 729.20

TOTAL: $142 800.54

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 160.16
Apple Inc. (AAPL): $2 028.60
Cash: $99.01

TOTAL: $4 328.35 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $56.82
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $960.05
Sprott Inc. (SII): $2 564.10
AltaGas Ltd (ALA): $1 002.60
CT Real Estate Investment Trust (CRT.UN): $1 510
Canadian National Railway Co (CNR): $3 376.80
Exchange Income Corporation (EIF): $8 281.40
Firm Capital Mortgage Investment Corporation (FC): $558.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 049.17
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 230
Laurentian Bank of Canada (LB): $971.80
The North West Company Inc. (NWC): $1 334.50
Andrew Peller Limited (ADW.A): $2 142
Barrick Gold Corporation (ABX): $954
Canadian Imperial Bank Of Commerce (CM): $1 534.80
Hydro One Limited (H): $2 638.12
Toronto-Dominion Bank (TD): $1 162.80
Boyd Group Income Fund (BYD.UN): $2 521.50
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 102.10
Keg Royalties Income Fund (The) (KEG.UN): $1 482.60
Data Communications Mgmt (DCM): $21.60
Westshore Terminals Invest Corp (WTE): $5 077.92
Morneau Shepell Inc. (MSI): $1 703.70
Royal Bank of Canada (RY): $3 254
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $1 891.50
Parkland Fuel Corp (PKI): $1 951.36
Cash: $67.58

TOTAL: $53 414.14

RSP investment portfolio:
Emera Incorporated (EMA): $12 073.32
EnCana Corporation (ECA): $1 293.84
Toronto-Dominion Bank (TD): $1 744.20
Barrick Gold Corp (ABX): $1 192.50
Stella Jones Inc. (SJ): $4 590
Telus Corp (T): $2 145
Alimentation Couche-Tard Inc. (ATD.B): $522
Royal Bank of Canada (RY): $1 627
Savaria Corporation (SIS): $2 202
Thomson Reuters Corporation (TRI): $2 178.40
Park Lawn Corporation (PLC): $3 090
Richards Packaging Income Fund (RPI.UN): $769.89
Cash: $162.47                                                                

CIBC Dividend Growth Fund: $736.18
CIBC Emerging Markets Index Fund: $488.77
CIBC Monthly Income Fund: $1 329.46            

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 307.98                                  

Manulife Fidelity NorthStar GIF CAP B: $1 494.89
Manulife Simplicity Growth Portfolio: $1 234.79
Maritime Life CI Harbour Seg Fund: $1 159.89
Maritime Life Fidelity True North Seg Fund: $1 220.50
Manulife GIF MLIA B World Invest: $1 092.04

Other various: $7 670.34

TOTAL: $52 405.21

Social Capital at Desjardins Membership share: $35
Pending online income: $29.33
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$253 012.57

Saying goodbye to Kinross Gold Corp (K) and EnCana Corporation (ECA)

Spectacular news: Brad Pitt and Angelina Jolie are getting divorce. You can have all the money of the world, have 6 children in good health, be good looking, it doesn't stop people from getting divorce for whatever reason just like if they were just f nobody. Even with the millions of dollars, I wouldn't like to change of place. Its just going to be a very nasty divorce and life will become very complicated for those poor kids.

This being said, I had sold my Kinross Gold Corp (K) stocks, it result in a capital loss. I also sell off the EnCana Corporation (ECA) stocks that I was holding in my non-registered account. Both K and ECA were just going no where, it was time to sell, say goodbye and move on. Some money went down on the margin and some money was reinvested in Savaria Corporation (SIS). Excluding RRSP, my dividend income is probably of $7 100 now, which is good, but I am now only dreaming of a 8k dividend income. Its so so hard to get there, unbelievable.

As for my RRSP, I am thinking about seeling the stocks of EnCana Corporation (ECA) that I have in there and reinvest the money in Canadian Imperial Bank Of Commerce (CM). I was quite impressed by CM announcement today. I am curious to find out what their new partnerships with the National Australia Bank (NAB) will lead to.

After rough calculations, I think my net worth is now at $175 300. These days, I have all eyes on US stock. Facebook (for its research center announcement), Microsoft (for its dividend increase) and Johnson & Johnson (recent new acquisition) caught my attention. They could make good investments for the long term. I am not in a hurry to invest in those companies, as I am trying really hard to pay down my credit line debt. 

For now, the Fed didn't touch to the interest rate, but its being that in December, we could see an increase. And when it will happen, the markets worldwide could go down. There's a couple of things that the markets just hate and its bad news regarding Greece and the Euro, bad news regarding China or US economy. Its pretty much it. Markets don't like changes. When corrections happen, it help to be debt free and have a bit of money aside.

The hot sexy stock of the moment: Savaria Corporation (SIS)

With my most recent acquisitions, my annual dividend income is now at $7 072.54, not including RRSP. Its a good amount, but I am will only be impress when it reach the 10k. Fact that Savaria Corporation (SIS) increased its dividend distribution by 30% had helped giving a sweet push. I have a page for my dividend on this blog, but I didn't update it for a little while now. Mostly because earning dividend is now very usual, part of the routine. 

Savaria Corporation (SIS) have everything that a girl can dream of. Good increasing dividend and extra good capital gain. Inside my non-registered portfolio, SIS grow of 23%. This stock is so hot that it appears in one of the momentum investing screen of Stockopedia. Its nice to see a stock like SIS pomping up by 3.77% in one single day trading. I learn the word MOMENTUM on Stockopedia.

 

I had been lucky, my investment in Apple Inc. (AAPL) grow of 4.67% alone. A nice cute bounce, but I think Apple title can sky rocket higher than that, so hold tight like if you were holding a knife between your teeth to kill a wolf and watch out, because I know I am holding on tight.

I express my desire no to trade anymore for 2016 but with still 4 months left, I don't think it will be possible. I tried to impose a ban because I don't want to over trade and just keep investing and playing with margin money, but a bad bad bad girl remain once for life, nothing much can be done about it. I still have Transforce Inc. (TFI) in my radar and I want to sell Kinross Gold Corp (K), even if it bring in a capital loss. 

Other investment stories to come soon.

Apple Inc. (AAPL) on the road for big greasy profit

Apple Inc. (AAPL) is sky rocking despite the fact that markets are just very flat and boring. While Samsung Galaxy cell phones are exploding a bit everywhere in the world, Apple's iPhone is getting a fresh new push. Its been reported that iPhone ordered are currently at the highest demand it never been. Just wait for profit to... explode. And we didn't received any news for the Mac. Imagine the kind of profit it will make with both Mac and iPhone combine together. To help me kick off at the gym, I bought an Apple iPod shuffle today. Its tiny small, but the sound is very great, and it easy get grip on clothes, a top or bottom. A saw a Sony mp3 players, but the way it was design, I wasn't going able to move easily with it. My choice was based on design and Apple is a runner on that field.

These days, a stock alone like Apple Inc. (AAPL) is performing a 100% time better than my late JFT Strategies Fund (JFS.UN). And best of all, I don't have a hidden fee of 1.5% that is taking away on my back. And best of all, Apple pay a tiny, but still pay a dividend to its investor, while JFS.UN pay nothing at all. While investing in the fund, I wanted an exposure to Jean-François Tardif savoir faire. But I learn my lesson. Never expect too much with Quebeckers.

A couple of days ago, CGI Group Inc. (GIB.A) announced that their current CEO was retiring. That announcement had a negative effect on the stock price. And on date of today, GIB.A didn't recover yet. Today, its W. Galen Weston that announced his retirement. His son is taking over. Today big announcement for George Weston (WN) didn't negatively affect the stock price. I just wonder how Galen G. Weston is going to manage 3 big companies at the same time: Loblaw, Shoppers Drug Mart and now, George Weston. Go figure.

Open Text (OTC) seem to be the very perfect fit for my portfolio. I am quite surprise that AGU remain low, its like investors are not seeking the merger project the way they should or the way I perceived it.

Welcome in my non-registered portfolio Open Text (OTC)!

After the nicest summer of all, the month of September is getting super volatile crazy. Again today, the TSX lost more than 200 points. After being so close to the 15 000 points, we are rather getting closer to the 14 000 mark... It hit hard just like a wake up call. Just for a reminder that I may be a princess and even the queen, but the market has the final word on everything. And no super babe, you won't get your ass on a soft 200k net work anything soon, forget about it and go to f hell bitch! LOL.I guess we all have our little ways to deal with stressful situation. Myself, I especially like to burn myself to the gym until I cannot take it anymore or get very annoy by the exercise that I am doing. But I didn't went to the gym this evening. The gym is a lot more pack now, I was surprised when I went on Monday.

After a little while of this going on all the way down, the corrections are going to metamorphose into an in deep stock crash and its going to be difficult to move from there. If the interest rates going to get higher, its really going to be bad. And it scary! Investors don't like change.

I don't regret for a minute selling my JFT Strategies Fund (JFS.UN) units. Parkland Fuel Corporation (PKI) is just the perfect fit for my portfolio. Even with the loses registered today for the TSX, PKI continue popping up baby like nothing was happening out there. Some stocks I hold don't seem to be at all affected by corrections like this, which is very good, because it help keeping my financial shape out of the water.

I am curious to see how things will turn for Apple Inc. (AAPL). Apple gain 2.4% today, which is encouraging. At a point, I didn't know what to think too much, because the new iPhone doesn't seem like very ingenious. However, recent Samsung recall for their star phone is certainly playing in favor of Apple. There's an Apple Store located downtown Montreal, and there's always people there. And its amaze me. Apple stuff are so expensive, all those people have the money it need to pay for that kind of stuff. Its truly something I don't understand. Anyway, since my new investor buddy Warren Buffett is on Apple, no question to be ask, I am holding for now. I need big USA bucks please Mr. Buffett. Go go go!

See, I am doing the best I can to keep my spirit on the drive. Because if there's one thing that I hate in the world, its stock market corrections and crashes. I like my TSX when its on a smooth note. I like it when its simple and easy. Corrections or not, the stock market is the place to be, its just a matter of doing things in a way you feel comfortable. I place what I consider being one of my last purchase trade for 2016 today: Open Text (OTC). Yesterday, OTC announced the acquisition of a strong asset for their line of business. And I felt it was a good fir for my portfolio since I am not that much tech oriented in my portfolio. Its important for me to have the greatest and coolest business of Canada in my portfolio and what a girl want is what a girl get.

Welcome again in my non-registered portfolio Agrium Inc. (AGU)!

A lot is going on for the TSX right now! Its certainly the place to be for investors. Like expected, the TSX gain in a few points, but nothing to be over excited. We didn't gain back the 200+ points lost on this past Friday and this may be the sign of some rocky times ahead, even for my very darling TSX. Before this past Friday, I basically don't quite remember the last time we have a correction. We have a too nice summer and it all wash away all of my bad market memories.

Despite announcing common merger project to move forward, Potash Corporation of Saskatchewan Inc. (POT) and Agrium Inc. (AGU) both closed lower today. We should all be happy for this upcoming merger for many reasons. POT shares holder will be the one who'll benefit the most - POT seem to be quite volatile. As for AGU share holders, we know the drill, AGU is an EXTREMELY profitable stock. POT is next to nothing is comparison. A merger of common forces is a very good thing, even if AGU appear to be stronger than POT. It keep 2 great Canadian companies on our ground, for the benefit of all. I support AGU and POT merger decision. The company new name haven't been released yet. And even more important, we don't know if the new company issue from the merger will be a dividend payer one. All details, but I am confident and excited. I cannot wait to learn more about the merger. Too little had been said so far.

Actually, I was so excited that today I bought some AGU stocks! Maybe they'll gain on later on, I don't know. I just wanted to be part of the game and have more exposure to AGU while the company still exist.

Don't let the stock markets beat you down

No, there will be no portfolio updates this weekend because I have no good gain to show off. I knew that was about to come sooner or later! While being on our way for a 15 000 points market, the TSX decided to act like a bitch again and lost 263.26 points in the wind this past Friday alone!!! More than 200 points lost always hit hard. I can tell you this: my non-registered portfolio closed at $138 201.46 and my TFSA $51 965.12. Now, its just a matter of knowing if the lowest level had been reach or not. Its something I am literally obsess with when the TSX market go down like this.

I can live with the fact that the markets are down, I had been through that many times since investing in stock of course. I always managed to survive and beat up those poor conditions. I actually bought a lot of my winners stock following the market crash of 2008. It could seem like an easy thing to invest when the markets are down, but its truly not. It take of somewhat of a sexy ass out of a control to do such thing because no one never know if the lowest point had been reached, or when it will be reach. And the eternal question remain: will the market will ever go up again? And what if in the process I lose all my money? 

It never occur to me that the markets would let me down for a really long time. And the markets always go up, no matter what. Its important to keep that in mind. In correction like this one, investors always seek for opportunities and I wouldn't be surprise if the market go up on Monday. We haven't been down in quite sometime. The stock markets being so volatile, there's always light showing up at the end of the dark hole. I always recover from market crash and corrections. Fact is, true investors will become stronger over time while battling corrections and stock market real ugly crashes. And its the case with your favorite Dividend Girl! It take a real life bitch to manage another one after all.

For my 4 broker accounts, US, non-registered, TFSA and RRSP, my past 3 years performance had been of 62.27%, which is an annualized 17.51%. Since inspections for 4 accounts, I am at 54.33%. I could had done better, I know what my mistakes are, but I could had done a lot worst too. But overall, I am happy with my performance. And I know I am only getting better. Its needed, you must focus on the past good things, give yourself a tap on the shoulders and move on while facing corrections. Fact is, the best is always to come, even if its hard to imagine. We live in a capitalist word, I had been watching the TSX going up and down for the past couple years and I must say, there's always rewards. Its the job of all individual to take and make the most of the capitalist. And its why I love capitalist. The market is open to everyone, anyone can trade, buy and sell stocks. Its just a matter to be in the game.

Its during desperate and the hardest times ever that we must show our faith in the fundamentals. The number one rule: buy low, sell high especially apply. Its not time to sell, it time to take a deep breath, and to hold and buy. This is way its a real good thing to have cash asset, to be able to invest when opportunities show up. And in this matter, I am not a good example because I just have no real cold cash reserve. Its unfortunate, but there's always that next paycheque coming on for now.

Parkland Fuel Corporation (PKI): a stock that know how to treat a lady investor

My latest stock investment was made in Parkland Fuel Corporation (PKI) inside my TFSA and for a reason that only concern God and all of the Saints, PKI decided to treat me like queen and gained 3.72%. Just like that, in your face sexy investors! Of course, when the TSX is on good shape, I am on top the world. I just want to continue enjoying the current market state. Because once it will be going all the way down again, my life will be miserable - just like every single time the market go downs. I don't want to hear a word regarding Brexit, Euro.... Europe need to deal with their problems in a very quiet matter.

My TFSA closed the session at $53 017.95 and my non-registered at $140 709.27. Its pretty good. I might be at a net worth of 173k right now. It just seem to all smoothly going to hit the 180k very soon, just like magic. But for that, I need a TSX in positive territory. Can the TSX possibly hit on the 15 000 points anytime soon? When it will does, I will let you know.

I have for believes that no investment portfolio can be absolutely perfect because there's just too much involve. Its a human being with hopes and fears that press the buy and sell button. I made very good investments in the past couple months, PKI, SIS, PLC, BRK.B, ADW.A, BYD.UN, KEG.UN, MSI... You cannot find better stocks anywhere else. 

I am very glamorous, however I carry on some investments that turn out to be some heavy dead stones. Among the way, I made some mistakes. And one of those mistakes was to invest in EnCana Corporation (ECA) inside my TFSA and non-registered account. In my non-registered account, I ECA had been bought at $28.78, and inside my RRSP, $31.09. I lost a lot of money in those 2 investments and I had been thinking lately about selling my ECA stocks, in both my non-registered and TFSA.

But is it a good time to sell EnCana Corporation (ECA) now?

 

This is EnCana Corporation chart since inspection, coming from the Globe and Mail. Today, I wouldn't invest a single penny in a stock that show such a chaotic chart, but unfortunately, those purchases in ECA had been made several years ago. 

However, the past 6 months had been good for ECA:

See, for the past couple months, EnCana Corporation (ECA) stocks value had gone all the way up.

And its the same thing for the past 5 days:

I am seeing encouraging signs and for now, I decided to let ECA be.

However, things are a bit uglier when it come to Just Energy Group Inc. (JE):

I bought my JE shares at $13.24. Just Energy closed today session at $7.24. So I basically lost half of my money on one stock alone. Chart since inspection is just chaotic. But does JE show any encouraging signs of recovery like the once show by ECA? NO.

For the past 6 months, JE went all the way down:

 

And for the past 3 months too:

 

For the past month, maybe we have hit a new time low:

 

For the past 5 days, it seem like JE is very trying hard to go up:

 

If I sell JE, its $436 in annual dividend that will be lost. Its something to think about. Lesson learn: junk stock that pay a too juicy dividend is to be avoid. Its like junk food, to be avoid.