My American Express credit card balance is about to be paid off REAL soon

I wasn’t expecting the money so soon, but I actually received the money of my provincial court appearance in New Brunswick. I received a cheque, which I am going to do a photocopy of a frame as a souvenir that well, you know, I am a fighter and you truly don’t know me. I am might had scared them to death. The other party was represented by a lawyer, I wasn’t. But it’s not because I didn’t have a lawyer that I was to let it go. In my world, you need to give me what I want. And what I want is what I get. LOL. 

This is great because I am going to have enough to money to pay off entirely my American Express. I have that special interest rate at 0.99% good until December 7. I am going to pay it all by the end of the week. I am waiting for a paycheck this week, so I am even going to have a leftover to put on my margin account.  

These days, the stock market is very rough. I did a risky investment move in Héroux-Devtek Inc. (HRX) earlier this week, but I don’t regret it. I was very aware from the start. Special dividends are the invisible diamonds that I wear every single day. How in the world can a girl, especially a Dividend girl by the way, resist the temptation of receiving a 5$ special dividend? Explain please. There’s no explanation to be provided, you must know the girl by now. It’s kind of wild, isn’t?

My investment in Héroux-Devtek Inc. (HRX) will provide me close to $300. It will barely be enough to cover my Christmas gifts, my bus ticket to New Brunswick and Gravol pills for the run. Its feeling great to be able to clear up the balance on my American Express. Their 0.99% interest rate for one year or something like it was very generous. Thank you, American Express credit card!

My money problem is quickly being resolved. I will be back in the investment game in December! One thing doesn’t wait for the other one. At this time, I want to secure my portfolio. The only way to secure it would be to pay off that 50k margin that I have on my non registered portfolio. Nicely said, but do I only earn 50k in a one year salary? The answer is NO. Until I married a rich man or until I finished dead rich – until that time – we’ll have to take it one step at a time. I always had been an extra lucky girl. I even should get a few bucks from my freelance work by the end of December. My American Express is my only consumer debt. Being able to get rid of it is a blessing. What I need now is a few more weeks (not to say YEARS) of full-time employment work and I will be just fine. 

In other words: don’t expect me quitting the workforce anytime soon.

Bye for now.

Welcome in my portfolio Héroux-Devtek Inc. (HRX)!

I made my move this past Monday morning when the stock was at more than $13. It hasn't been even 3 days that Héroux-Devtek Inc. (HRX) closed down. This is a tricky one. Its probably my last risky investment... I wouldn't like be sitting in your place right now. But at the same time, being a Dividend girl reader = lot of surprises among the way! ahah

In case you wonder what I am doing blogging during daytime, I am not fired yet, I am on my laptop enjoying a one hour + 15 minutes lunch.

I have my American Express to paid off my December 7. I have like $2 700 to clear off. I still have a bit of time. While being in this mess, I totally forgot the most important thing of all: welcoming Héroux-Devtek Inc. (HRX) in my portfolio. So there you go Héroux: WELCOME in my portfolio Héroux-Devtek Inc. (HRX)! Come on in, gave me my 5 bucks per share and make me happy :)

The stock market is not doing well at all. That's why I bring my laptop with me this morning. I wanted to take a quick look at things. Europeans have problem accepting the fact that they will have to live the next few years on an austerity mode. Is Canada any better? Harper government is sooo uncapable of anything. And while our deficit is growing under the power of that jerk of Stephen Harper, the TSX is going down.

I Promise I won't play the stock market ever ever again.

Héroux-Devtek Inc. (HRX) declared a special dividend of 5 bucks per share

Looking to make a quick and easy $500? I may have exactly what you need.

I didn’t know about this company until 5 minutes ago. It’s quite a benefit to be bilingual. I just completed the reading of an article of La Presse published online. You can read it here. In that article, we learn that Héroux-Devtek Inc. (HRX) occupies the third rank in its industry (f landing gear systems), that the company did very well lately and that, best of all, the board of directors had decided to be extra generous, maybe even too generous, by giving away $5 per share in special distribution.

Being a business owner, I wouldn’t be that generous. But what the heck, Quebeckers can be sooo strange with no logic at all and I think they are more than well-known for their extremely poor judgement. And we, ladies and gentlemen, the very bright Canadians, its our duty to take advantage of the stupidity of our enemies. Just go for it.

So here’s how to make a quick $500: Invest in 100 stocks Héroux-Devtek Inc. (HRX) at least 3 business days BEFORE November 20. I recommend investing in Héroux-Devtek Inc. (HRX) by November 14 the latest. I highly recommend contacting your broker in order to not to mess out with the deal and just to make sure that November 14 is a good date to qualify for the special dividend. The date you invest in HRX is super important; it will determine if you qualify or not for the special dividend.

Am I going to invest in Héroux-Devtek Inc. (HRX)? Well, you must know me by now, special dividend is kind of being my thing and yes, of course, I am going to invest in Héroux-Devtek Inc. (HRX), a company that decided to blow their money in the hand of their investors by paying a terribly high $5 per share.

I don’t know if you are getting it at this point, but this is how to make an easy $500. Here’s the trick: invest in 100 shares Héroux-Devtek Inc. (HRX) by November 14 (that date need to check with your broker PLEASE), hold the investment until November 21. You ABSOLUTELY need to hold Héroux-Devtek Inc. (HRX) the whole day on November 20. That’s super important. If you want to quickly sell Héroux-Devtek Inc. (HRX); that will have to wait until the morning of November 21. 

Following what, on December 19, you’ll received a fantastic $500 in cash! This is super important: if you have an automatic DRIP for everything that you have in your account, follow the following. Following the purchase of your 100 stocks of HRX, once the purchase operation is completed, call your broker and ask them to remove the DRIP exclusively on the title of Héroux-Devtek Inc. (HRX). Why? If you don’t do so, the 500$ earn in term of special dividend will simply roll over and DRIP. And trust me you don’t want that to happen because between you and me, you are in EXCLUSIVELY for the cash, not for extra shares!

Christmas is coming and an extra $500 is just what I need to pay my bus ticket Montreal-X town in New Brunswick and for a few gifts for my old folks.

Got it now? LOL. This is how to make easy money on the market. The Héroux-Devtek Inc. (HRX) title appears to be quite volatile. I will try to sell off the investment as soon as possible by setting an automatic sell order. 

WARNING: be aware that things could get complicated and you could get stuck with Héroux-Devtek Inc. (HRX) following November 20, even if you set up an automatic sell order. Problem being that starting November 21, HRX could trade at a lower value than what you actually paid the investment for. See what I mean? That’s part of the game.

You know my financial situation. I am 100% investment. I do not hold cash. I live paycheck per paycheck and I actually have a balance of $2 700 on my American Express at 0.99%. That 0.99% was a special offer that’s going to expire on December 7. 

Just to make it shorter: I don’t have fresh new cash available.

However, I have an option. Now that I have a permanent job, I could possible asked TD Visa to increase my limit to $10 000. That will give me room to transfer the $2 700 I have on my Amex over to TD Visa. The best part being that TD Visa currently offers me 1.9% on credit card transfer. Kind of nice, isn’t? So if that work, I am going to invest in 100 stocks of Héroux-Devtek Inc. (HRX) following (this week is payday at work). If my plan doesn’t work, I am only going to invest in 50 shared of Héroux-Devtek Inc. (HRX). 

And to tell you the true, I feel much more comfortable going on with a 50 shares rather than 100. But between getting $250 or a free $500, I prefer the free $500, thank you. Free money is never enough.

I am going to invest again someday. Later.

Despite the Sandy Hurricane, the stock market went up for a couple of days. At a point, my non registered portfolio even exceeds the so wanted 125k! Completely exhausted, I wasn’t able to publish an update of the overall portfolio. I taught that this was going to continue until Friday, so I didn’t really push it. My last portfolio update was done... in August! Oh my! Anyway, I was wrong.

This past Friday, the TSX lost more than 100 points. Too bad. I really miss my chance to publish a very awesome update. I was quite disappointed when I saw the TSX falling like that. These days, we have some real problem to have just a couple of days of positive in the TSX territory. It’s getting harder and harder and the harder it get; it became really important to pick the right stocks for a super-super volatile market.

The stock market is not the best place to be. If I would be a millionaire, I would be investing only 30% of my fortune, not even more. It’s too hard.

The next best thing

I have a real thing for Black Diamond Group Limited (BDI). It seems to me that this one is a typical Western Canada company: very rich and very successful and I don’t feel any danger in investing a 1k or around of my very own pure money.

Did you saw my pictures in the last post? Quite hilarious! Ahah! I love hunting. Poor little bird.

This hilarious babe has some real debt to take care ok. I have paid my $1 700 BMO MasterCard, but I don’t have any money left to invest and I even have to take a bit on my broker margin account to pay it all completely. But the overall numbers look ok. Its just I won’t be able to invest for the next 3 months.

My non registered portfolio is at a good $124 496.23 (I taught I was going to close at 123k Friday!)

I have used $51 955.83 on my margin account.

I have left $16 991.79 on the same margin.

I received $705.84 in dividend this month. Great, but I need more more more!

I am trying to keep my margin at not more than 50k to keep it safe. At more than 51k, I am a bit too high. However, I will be able to get it back down to 50k by the middle of December. However, I have another problem on the way...

Remember I had the rate of 0.99% on my American Express? Well, that’s going to end somewhere on December 7 or so. And how much have I ranked it up? I have a balance of $2 462.04 on my American Express that I need to pay by December 7. After that date, the interest rate will be of something like 20%. Pretty scary!

By the end of December, my margin will be down to 50k. I will have to use a little bit more than 1k on my TD credit line at 8.75%. I will try to paid it as quickly as possible. However, December is the month of Christmas and in my world, that’s an expensive month.

I have proceed this week with a credit card balance transfer of $7 500 at 2.99% with TD Visa. I have a limit of 8k on it. Which mean I have left like $500 on it. And guess what! TD Visa is offering me a credit card balance transfer of not 2.99%, but 1.99% on the remaining $500 left!

Isn’t amazing?

Really soon, that TD Visa of mine is going to be FULL.

TD Bank must really love me.

You now know why I am not going to invest anytime soon. I have a new 6k in my TD Waterhouse RRSP. That money came from RBC. That was my response to their increased of 3% of my RBC credit line. Now, I have a 6k that is waiting to be invested. I taught of maybe some stocks of TD, but I really don’t have anything in mind, if not that Saskatchewan mutual fund that Derek Foster talked about in his latest book.

Not having Derek Foster fully invested in Canadian dollars is not the best because I now have less inspiration. I want the same thing that he hold, but it has to be Canadian baby. And I am disappointed by Jean-François Tardif who decided he was going to play low motion.

Anyway, the stock market really really suck. Getting a break until January 2013 doesn’t disappoint me. I have enough of stocks to follow, trust me on that one. And I also a bit of freelance coming in. Eventually, I am thinking of searching for other contracts, but I am missing the energy and the time. An individual cannot do it all, follow a 50+ stocks company portfolio, work full time, entertain a blog and doing a bit of freelance on the side. I mean at a point, the bitch have to be a wonderwoman. And I am a f wonderwoman. I am the best bitch of the universe ahah. Did I scare you?

I am going to the movie again. I want to see Cloud Atlas.

Hunting Babe - Pictures taking in X town somewhere in New Brunswick

Dividend money is never enough

I was pleased to see that my non-registered portfolio hit the very close 125k. I have earned over $800 in dividend this month. The money is greatly needed as I ranked my BMO MasterCard to the $1 700. I spent on stuff that I need and on stuff that I didn’t really need. One thing for sure, the month of November will be much more minimalist, if I can say. And talking about minimalist, you may want to check out Annie Jean Brewer newest book: Minimize to Maximize. It’s about minimalist. I am not a minimalist but I always like to read about that kind of stuff. Let’s say that in November, I will be minimizing to maximize in December... lol. 

I came back on Sunday evening from a few days away in vacations in New Brunswick. It was fun. I saw my family, I went hunting with my dad (the pictures speak for themselves) and I also confront my late employer in court. Back in September 2011, I accepted a job in New Brunswick. It was promised to me as a permanent position. I was happy to leave Quebec province and Montreal for my hometown. So I moved from Montreal to my X hometown in New Brunswick. But in March 2012, they had to let me go because they didn’t have enough money and were not making enough to cover me. So not even after 6 months of employment, I was laid off, while I had been promised a permanent job. I didn’t earn as much as wanted, but at least I won my cause. And it was very great to hear the director saying that he failed at his duty. It was something of a great satisfaction for me. I got revenge.

I didn’t earn as much as I was expected because in New Brunswick, workers are protected in case of vicious laid off, but not in case of vicious hiring. At the time they hired me, the company had lost more than 145k in 2011 and even more in 2012. So they were not in a hiring mode, but they hired me anyway. The judge didn’t sympathise to my cause, however I win. I am a winner and I fight my enemies and I always win on everything. But you got to be one of those fighters those days. I had paid myself revenge. I had been able to protect and defend myself from the devil and I was extremely pleased. Angels always win, even if they are naughty.

As you can imagine, I was quite exhausted at the end of everything. I wasn’t exhausted at the time, but I began to feel exhausted now and I cannot do very much. But luckily, the weekend is coming in 2 days and I have a feeling that this chita is going to sleep in all weekend long and I won’t be doing much. No more shopping, that’s for sure.

So that’s for the hot news. 

See, I know you never have enough and that’s why I am giving you the right to adore me.

You may or may not adore me, but these days, I adore my portfolio. It’s always a stress to go back to New Brunswick at home because I don’t have a direct Internet access. It’s not that bad, I am able to live without checking in my stocks for a few days because I know that as always, I will be just fine. However, I prefer to keep an eye on the stuff.

I know this have nothing to do with stocks, but I went saw Argo, latest Ben Affleck movie yesterday and it was very very good. I also saw his first movie, The town while back and it was also very very good.

This being said, I have a few thousands to invest but I am too tired to think clearly of my next investment. I would like to earn $800+ a month from my dividend. I am so closed and so far from being there.

I was reading Susan Brunner latest posts about the money show and I found a new stock to invest in: Cineplex. The yield close to 5% but not even. So I was thinking of LNF, BDI, Cineplex and also Jean-François Tardif DCI. I have those stocks in mind. It’s just a matter of time before they came in my portfolio. For Cineplex, I might wait. The stock is at a high value now. I am thinking for now of LBF and BDI, but I will see.  

There's many many choices but its important to pick the best of the best.