Another busy week

This week was quite a busy one, as I get another step in the 2008 RRSP direction lol. I transfer the mutual funds I had at CIBC into RRSP. I proceed over the phone only and everything went smooth. The guy was super good with me and once, I just cut him off and I ask him if he was going to offer me to take a loan lol! (I was still shock from my experience with RBC!!lol). And than he told me that no, he was just letting me no that he could had work out something better for my RRSP, like one of their portfolios but I said no. But it was gentle from him to offer me that and it’s really the best experience I had with an advisor. And it was over the phone. The name of the guy appears on the paper and it’s seem like it might be a sexy Italian guy. He had a very nice voice.

Even with those changes ahead, even with my new RRSP mutual funds at RBC, I do not reach the 7 000$ I need to save in taxes. Anyway, I try very hard. One thing that didn’t help me at all is the fact that the RBC O'Shaughnessy Canadian Equity Fund is close. Which make it impossible to move it into RRSP. At this time, the only « transformation » left and possible is the Fidelity Frontiere Nord mutual fund I own at Desjardins. Lucky am I if, in total, it make an overall of 5 000$ for my RRSP.

Other than that, I am quite busy with all my jobs and other, but the hardest is my morning job, where I have to call almost 2 times per day on weekdays to see if there work available for the next morning. At a point, it’s really driving me crazy and I got tired. I am lucky enough that when I end earlier or when no work is available, I can run to my evening shift and do overtime, as overtime is available even if we are not that much busy. I find it really strange that’s some overtime is available, but I believe they still need, as a contractor, meet their hours and that’s why overtime is available. But it make it very long to make a 12 hours shift at the same job in one day and sometimes, when I learn in the morning that there’s not enough work for me, I just go back home or I go to a coffee shop or do something.

Like right now, I don’t know for sure if I will be working tomorrow morning, but form my end, I don’t think so. Worst part is not having a phone or cell at home so I could call before actually getting out, but I do not have a phone. So each morning, I get ready, phone in when I close to their office, and if they told me yes, there’s work, I just go in and if not, well, at least, there’s my evening job.

But right now, I am tired and if something happing tomorrow, well, I will just go back to sleep. I will be able to sleep in until 14h30 if I feel like it.

But the worst coming from the inside of my left hand. I have this pain since the end of December. Its all begin when I invite that guy to try to fix my laptop for free to the movie, just for fun. But unfortunately for me, he didn’t know where was located the parking lots – its true it’s was a bit difficult to find. And unfortunately for me again, he park in a place where the snow was in ice and once he wanted to go, he was stuck there for good. So I push and I push so hard on the back of his car, there was nothing to do. We were stock until someone stop by and had the proper equipment to get the car out of the snow.

Not that it’s that painful, but it’s very annoying, that little feeling I have in my left hand. I don’t think my hand is broken, as I have no problem to open or close or move my fingers, but anyway, I feel that pain and its make me realize that hey, inside my hand, there might be muscle or something like that lol.

For now, the overall portrait is not looking so bad, but I desperately need a hair cut lol

Getting ready.... to do my taxes

I contact Caisse Desjardins a couple of days go regarding a problem I had. I didn't receive a tax paper, for Fidelity Frontiere Nord, for the simple and good reason that, according to them, they were not in the obligation to provide one for a reason that I still don't fully understand. But the good news is that now that I have all the papers in hand to proceed with the taxes.

I wanted to do my taxes by myself, but knowing how bad I am at calculating some time, I might just give this job to a professional. I have dozens of papers: from jobs, non RRSP investments, RRSP investments, bank savings account. I also have to declare something like 3 000$ as a freelancer, etc... The only thing I had left to do is to find myself someone who will proceed for me. And I just hope it won't cost me too much.

I have this, and I still have that search for a part-time job that continues. I would like to be able to do those taxes first, and after the taxes, and after open the eServices thing at TD Waterhouse. I could actually do the application online since I already have investments with TD, but as usual, I feel completely lost and I want to make sure I enroll to the right thing, as suggest in the Lazy Investor. So I might want to try to see if I can do this in person instead. I don't have that much to do, but when you work 50 hours weekly, time go past really quickly and I find it difficult to do everything, in reasonable time.

I like the all concept of "lazy" thing because, as it shows in the cover, it's a "no-thinking strategy" and no need to think or to work hard at it, because I already work hard enough. I am just way too curious about the "share certificate". I can't wait to have my first share certificate in hands.

Another week at work

I have receive my pay today, another 1 000$ in my pockets. Today, the weather was so beautiful, I would have spend all day walking around and stuff but I have too much to do this morning.

I had applied on today for 2 part-time jobs and I received a response for one of them. I wasn't able to call back since I notice I had received a call around 4h30 this afternoon and I was at work at that time. So I will call tomorrow morning. I just hope there will be something for me for Saturdays and Sundays and maybe even a few mornings per week. I would like that. Because the part-time job I have right now is not very good, I am only working there this Saturday.

I notice price of units of my mutual funds want up again. I just hope it will continue like that for a while. I would like to recover from my lost. I didn't calculate my overall value for a long time and I am waiting for the good time.

In the overall, things are not going so bad, only thing is that I haven't did my taxes yet. I have one problem to resolve regarding a mutual fund, non RRSP investment I have with Desjardins. The problem is the following: I didn't receive any tax paper for the Desjardins Fidelity True North ® Fund. I have initially invest 1000$ in 2005. For 2007, I didn't receive a tax paper. So I call ACCES-D. I talk to a representative that told me that if the fund had produced an income less than 150$, than, they (Desjardins) don't produce the appropriate tax paper.

And how come?

I am a small investor, I am paying high fees for that Desjardins Fidelity True North Fund and I should receive the help I need in order to be able to fill the forms for my taxes properly. Or at least be able to make it done by someone else with the appropriate information. The problem is that the representative couldn't (or wouldn't, I don't know) provide me the information. The representative told me to call my Caisse Desjardins.

Which I did. But at the Caisse Desjardins, they told me who was kind of in-charge of my field at their Caisse. I call yesterday, left a message to the one I was supposed to talk too and in date of today, still no answer. How come an institution like Desjardins doesn't provide help to their small investors. How come they don't provide a proper tax paper?

At some point, I dislike RBC service (for a reason I didn't write about yet, but I will soon), TD (see previous post... outch) and now, it's Desjardins.

Now than ever, it's time to buy stock, following whatever strategy, and be no more under the authority of some whatever so call financial institution and declare my financial institution free freedom for the rest of my life. No more credit card debt, no more bank stupid mutual funds. JUST NO MORE.

It's going to be quite something for the tax, but I am going to do like Brian Mulroney, I won't declare my income. So it's not going to be really that of a problem next year. My hard time is over.

Of course I am not thinking a word of what I am saying.

Tomorrow, I will call ACCES-D, and ask to speak to a supervisor and drive everyone crazy with what might be an unusual request for them.

When I keep thinking about it, there might be plenty of small investors who, like me, had invest in non RRSP mutual funds. For those, when no paper is given, what are we supposed to do? Am I suppose to do like what I did for my ING Direct acount in 2005 and 2006, not to declare the income because no one ever send me a tax paper, as previously explain...

It is so complicate and I am so complicate myself.

Still no part-time job yet

I am so disappointed, I didn't find a part-time job yet and I am in need of one now. I went to a Linkin Park concert at the Bell Centre on February 22. I gave 40$ to my friend for the ticket, but to that 40 bucks, add money for beer(s), a t-shirt at 35$, and 10$ for stickers… At the end, it do cost a lot, and I gave 1 000$ this month to pay on my credit card. It’s a good thing I don’t go out too much often, it do cost a lot. I am just thinking about my New Year Eve, when I finish the night in an hotel room with the same friend because we couldn’t find a taxi….. or were too … to find one…….. “Taxi, taxi, we need a taxi….”, that’s the way I call for a taxi when I am … But the taxi never come, so we had to find a hotel room, which was easier to find than a taxi…lol!

My 1 000$ check for my credit card, had been taked. I had to say bye bye to a 1 000$. I have been with that debt for a long time now so it was about time I get serious about getting out of credit card debt.

I should be ok to get another 1 000$ on my next pay check. I just hope things will remain the same for the next 2 months. I really want to pay off that credit card debt for goods. But what appear difficult for me now is to remain debt free. Once that credit card is pay off, my student loan will remain. That one doesn’t bother me that much. There was a period of time, was before I start blogging, were I pay 1 000$ per month on my student loan. I did so for about 6 months. Which shortly after I invest in my first fund, Fidelity Frontière Nord. I know I can stay debt free, I just have to stay focus.

My search for a part-time job continues. I had found some part-time job; it could have work out if not of my work schedule. I didn’t really try that hard to find a part time job. I am going to look more seriously this evening. And than, I hope it will work out. I was thinking maybe just work on Saturday and Sunday. During weekdays, my shift at work only begins at 3 pm.

I am off today from my job, but I sleep most of the day. I begin my day at 3 pm, and I have a funny taught, I would like to invest 500$ in the CIBC Monthly Income Fund, non RRSP of course, I don’t want the nightmare to continue… (see previous post “RRSP nightmare” )