Am I idiot enough to become rich?

My non-registered portfolio closed today session at 124 223.21$. From my impression, it seem like the market is on its way for a situation a bit more stable than what we had used for the past couple of months. While being under that impression, I decided to withdraw 2k from my margin account and apply the money on my 10k value credit line at 7.52%. I apply on it 1k coming from my own money, for a total of 3k. The balance left on my credit line is now about only 2k. In 2-3 months, I will be able to pay it all.

I got that 10k credit line (7.52%) at the RBC Royal Bank a couple of years ago. Since the opening, the interest rate never changed, it’s always been 7.52%. But that’s soon going to change.

This week, I received a letter from RBC Royal Bank saying that starting May 1th, 2012, my interest rate will be increase from 7.52% to 10.52%, which represent an increase of 3%! Knowing the economic situation we are in right now, I was very surprise about this increase. How it work with credit interest rate generally speaking, the interest increase when the prime rate increase.

When the economic situation is chaotic, interest rate remains low. So I knew for sure that there was no change regarding the prime rate. So what I did, I gave a call to RBC Royal Bank. I asked the representative why I was facing an increase on my interest rate.

First of all, my account is in good standard. I never missed one single payment on my credit line and my whole RBC account is in good standard.

I confirm with the RBC representative: the prime rate didn’t change.

So why RBC Royal Bank is increasing my credit line from 7.52% to 10.52%?

There’s no reason why, basically, behind this increase.

RBC just wants to make more money on my back, that’s really all. But that’s not going to happen. I will be able to completely pay off my credit line before the month of May.

I wasn’t happy and I requested no change on my credit line. In order to do so, to keep my old 7.52%, the only solution for the representative was to perform a credit evaluation. I refuse and asked to speak to a supervisor. The supervisor took my complaint, but he couldn’t do much. I had to go under a credit evaluation to keep something that I had been giving to be a while ago.

I find that system very stupid. I refuse to go through a credit evaluation to keep my 7.52%. I won’t be doing more business with RBC Royal Bank NEVER EVER AGAIN. My account ALWAYS been in good standard at the RBC. There’s no reason why I should go another credit evaluation. People at the RBC Royal Bank are a bunch of little jerks. That vice-president Goyers is a piece a s**t.

I had placed my complaint to RBC on March 20.

March 20, 2012 is a date to be remembered. Not because of the complaint I place with RBC Royal Bank, but because it’s on that date that I became a small business owner! That’s right... Like the Rebecca MacDonald and the Ronnie Seterdahl Negus that we found out there, I am now.., a woman entrepreneur, but without the millions and the men ;)

I cannot use my regular banking account for my “business” lol because I have a business name you see. So basically, RBC Royal Bank wasn’t interested in resolving my problem so consequences, I didn’t open my commercial banking account with them. Instead, I call the Caisse populaire. It’s much more affordable. I can have an account per operation to start with, which mean no business, no banking fee. I have my business name, my business registration number (NE). On Monday, I will get the banking account and following what, I will fill out the form to receive my tax number.

And oh surprise, I already find work. Nothing substantial, but it’s a good start. I prefer to work at a lower salary than not working at all. And it’s giving me an experience and it keeps me busy. I cannot say I already have a lot of experience in what I am doing... I prefer to just accept whatever presents to me. And this one was an easy one... I like it when it's easy. :)

You won’t see me spending hundreds or even thousands in publicity or marketing, that’s for sure. But it’s not what the CBDC would like to see me doing. I went to my local CBDC. They have a program for self-employed to start a business while received unemployment. They can provide as much as 50 weeks on unemployment.

Let say I am being approve to received 40 weeks of unemployment, the program will give me 10 extra weeks. However, for the extra weeks, the CBDC only give away 250$, which I find very cheap. And on top of that, the CBDC request a credit check – and that being just to received a 250$ for a few weeks!!! This must be a joke right? No, it's not, sadly. I don't like to be treated like a stupid hot chick.

Nothing much is being done in New Brunswick to help youth. Bernard Valcourt is A FOOL and he’s a one eye man. Harper government S**K LIKE HELL. The Atlantic Canada Opportunities Agency? WHO GIVE A DAMN. I will do without. F U Stephen Haper government!

Like always, I will go the Dividend Girl way style and just like always, it will be JUST FINE. I have the HELL of a good investment portfolio.What I have done to be such of a good investor?

ahaha

I don’t plan to stay in New Brunswick for very long. The CBDC can also provide a loan, but just to present a request for a loan, I need to pay 75$! **AND THE DATING SCENE IS HORRIBLE IN NB!**

Applying for a loan at the bank is FREE. Why CBDCs are requesting a fee for a simple loan request? That's really stupid.

Why? BECAUSE IT’S ALL ABOUT MONEY and only a bunch of super retarded people work at the CBDC, a real bunch of dummies.

And the loan by itself is really not interesting. The max available is 20k. There’s no interest charge on the first year, BUT, a payment of 100$ per month is requested... IT DOESN’T MAKE ANY SENSE. Interest charge begins on the second year. The interest rate is quite high, close to 7%. It doesn’t worth it to get involve with CBDC credit check, fees and stuff. I would have proceed with a request if the loan rate would have been of something like 5%. Higher than that, no thank you, I am not interested.

I am not receiving any kind of help and I don’t need any. I don’t even have a place to print my résumé for free. The Conservative New Brunswick government may think they are doing a great job, but they really not. No support, no service, no public transportation (Acadian Line bus transportation service had been on strike forever now....). I mean come on! New Brunswick Conservative government is hurting the citizens really badly. People of the CBDC, people of the government are just SITTING ON THEIR A*S, doing nothing at all. CBDCs should be completely eliminated. There’s no true services, no true willingness to help and to assist.

I am waiting until the end of April and after what I get the HELL out of here. Why I am not leaving now? Well, I plan to fill a small claim against my employer. I had been laid off because of their financial difficulties. Can you tell me why I was hiring back in September if you had financial difficulties? Like COME ON. My case is so good, I had spoke with several lawyers and I could get 15k, if not get up to 30k in compensation, but certainly a 15k. AND I WILL FIGHT UNTIL THE END and get my big bucks. I cannot wait for Monday to come. Just watch me going.

I am not running after trouble, it’s just that trouble LOVE me. KIND OF A LOT.

Between my portfolio management, small claim procedure, small business opening, and me working on the Web well, in the between, yeah, I had been busy. And oh, I sometime drink.

And here Derek Foster coming on today with a newsletter title: Any idiot can be rich! Ah yeah? Are you sure, Derek Foster?

:)

I wish I am idiot enough to be rich. I WISH. $$$

Maybe I am after all. What do you think? 

I am idiot, but I am not idiot enough to stay in New Brunswick.

TOO SMART FOR MY MONEY, TOO SMART FOR RBC, TOO SMART FOR CBDC AND TOO SMART FOR MY LATE EMPLOYER.

Happy $$$ weekend.