I finally find a part-time job

I had received a call today regarding a part-time job. I had an interview back in January, but back than it didn’t work out, since I already had an evenings jobs. The part-time begin next week. I just hope it’s an easy job, because when working full-time, with a part-time job at the same time is barely possible.

I now have to do my taxes before next week, because after that, it will make it too difficult. I just can’t wait to make it done. I find it so annoying. I just don’t know how much it will cost me this year.

I call today TD Waterhouse and it’s seem like the info I find in the Lazy Investor are still up to date because I ask a couple of questions and everything was just like it was explained in the book. And good news is no need to take an appointment, I can just present there anywhere I wanted. So I will try tomorrow for TD Waterhouse and next week will be my taxes.

I just hope it will be easy at TD and it will be done quickly and smoothly.

So for next month, I just hope to be able to make around 3 000$ after taxes, but it might be difficult to achieve.

A very occasionally part-time job

I went to my job interview today, I forget to bring a resume with me, but it’s seem like it didn’t bother, and no one ask me for a resume while I was there. Its want fine, but the job is only occasionally on weekend. Like they were open today, but are close tomorrow… I believe they pay the minimum wage, I didn’t ask. I fill out a form, and that was all. Let say my search for a steady weekend part-time job continue. And I won’t mind working a few mornings a week.

So I work from 13h to 16h, and on my way back home, I wanted to go to the Chapters to read magazines, like I usually do when I am downtown and, a few block away, I notice there was a bunch of people in front of a store….. The store was Browns, and Paris Hilton was inside! There weren’t that much people outside, but she had arrived at 15h and she was still there past 18h. Actually, I stay there for a while, I was able to see her, signing autograph. After a while, my foot where hurting, so I went to the Chapter. To sit a bit, than went back to Browns, after back to Chapters as I couldn’t stand staying there too long... And around 20h30, Paris left the store. It might be a very long day for her because outside the store, it was saying she was supposed to be there between 15h and 17h, but she only left around 20h30, and from what I heard, her mother was with her. But I didn’t see her.

I just calculate my income in date of today. I am not doing that extraordinary well, but I am doing ok. I just need more cash, and it’s not by working on Saturdays for 5 hours that I will make it happen. I need more important cash flow.

Trouble co-worker

I had a co-worker of mine who had a trouble past. She’s VIH and had a criminal record, she caught catch buying drugs. And I get very anxious when she told me she had applied to a job at CIBC. The things are that she can be very nice, but at the same time, I caught her taking very nastily in my back. I used to hang out with her a little and we did volunteer work together for a foundation regarding VIH.

So when she told me she had been approved by CIBC to get a job there, I was really anxious because I didn’t want her to get into my investments and my credit card. I didn’t want her to have access to personal information on me. So for a couple of weeks, I wasn’t doing to well, but I felt a lot more better when she told me she finally didn’t get the job at CIBC. We work together at a call center and myself, I would like to work in the call center of a major bank. For now, I am not doing the move, as I feel ok where I am right now and the salary is good with overtime, since I can do so. And I work so hard just to be able to learn only the basic tasks of the job, I won’t go now and anytime soon, unless I get fired.

My trouble co-worker continues to search for another job and she keeps sending me some jobs offer. But I won’t change of job only because she wants me to do so and that she keeps making fun of me on behind my back. During daytime, things are ok, as we receive many many calls and everyone is busy. Our breaks and lunch times are not the same, so I barely see her. She might believe I am a complete idiot because she kept asking me to do volunteer work with her. I went with her one time. After I caught her making fun of me, she asks me again. And I refused to go with her.

Another I don’t like about her is that she touches unemployment insurance while working. Of course, she caught catch, and now, she has more than 10 000$ to pay to the government. She has all the money she needs to pay off the debt, but she keeps it, because she wants to buy a car. I don’t know what exactly she was thinking when she told me that, but yeah, I am a tax payer and she doesn’t have the right to live like a queen when I am paying 350 weekly on taxes of all sort. I just hate her and I don’t understand people like her. Her father is a doctor. I don’t understand what went wrong with her.

But it’s true that Montreal is a big city and there’s all kind of people living in it.

I have an interview Saturday for a part-time job

And it was about time! If it works out, I might be able to work 6 hours on Saturday and another 6 hours on Sunday. It will help out to pay my bills. But the thing is that I will miss Paris Hilton! Paris Hilton will be in Montreal to promote her shoes....... She will be at a shop call Browns or something like that located on St-Catherines... It's too bad I am going to miss her.

I had received a call from my late part-time job, saying I could work Saturday and Sunday of next week. Which I appreciate, but at the same time, I am getting upset, since they didn't give me this Saturday and Sunday. Anyway, I am going to see how things will turn out this Saturday at the interview. It's just too annoying.

To change of topic, my mutual funds are doing great, but I still did not recover from my lost. For some I am doing really well, some other so-so.

I didn't do my taxes yet and I still didn't call TD Waterhouse. I just have too many other things to do for now. Buy I can't wait to get started.

Job job job

It's now the end of March and I did a few things that need to be done for a while, like paying my credit card debt, by just hoping I will ever again have credit card debt.

Everything is going fine at my full-time job for now. It will be my 5th month there and so far so good, I plan to stay there for a while, since I make an average of 1 000$ paycheck every 2 weeks. And that income is after deductions.

But things are not going that smoothly at my part-time job, as they cut me again from work. When I call to give my hours for next week, they told me they didn’t have work for me anymore. I work there for about 7 months last year. They had a major slow down on January, but in March, they email me, saying I could work for them during evening and weekend if I wanted. I couldn’t work during evenings because of my full-time work, but I told them I could work on Saturday and Sunday...

And now, we are the end of March, and they are telling me I won't be able to work for them anymore... I am very upset about this, as I believed I could work on weekend for the next couple of weeks for them. Anyway, let say that, once again, my search for a part-time job continue. I just need to get over this and stop working for them and go on with something else. I am willing to do anything.

I began my search last week, I applied at 2 jobs. The 2 places were interest, but one is on evenings only, witch I can’t because I already work on evening at my steady job. The second one seems to be ok for now, but the thing is I got a hard time to get in touch with the recruiter, since I only have a pager. I return the calls, try to reach him a couple of times, but I wasn’t able to reach, which is very frustrated. I just hope I will be able to reach him tomorrow morning and hope that part-time job will work out.

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.

Getting ready to purchase my first stocks

I just complete my second reading of Stop Working and The Lazy Investor.

I now feel more confident about the whole process regarding the purchase of my first stocks. I plan to follow the method explain in the chapter 9 of the Lazy Investor. I just hope it will work out for me. This is the perfect time for me, as I begin to have enough of mutual funds.

Once I recover from my lost, it could be a good idea to sale my mutual funds part to purchase only stocks. Someone who will have understood something from those 2 books will probably do so. For the money I had invest in mutual funds so far, I might want to keep the money were it is for now. Because once enroll in the whole process, it could be difficult to sale stocks if I am in need of money.

I first need to open a brokerage account. For the rest, I follow point per point the investing method explains in the chapter 9. What a chapter!

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.

Reading Derek Foster Books

I have been quite busy this weekend with work and it didn’t give me too much time to do what I really wanted to do: read Derek Foster two books I have bought from the Chapters located downtown on St-Catherine. It’s a good thing that it’s Eastern tomorrow, because I really need a brake and I really need to continue my reading.

It’s getting hard on me, since I finish work at midnight at my full-time job. And I had quite a few things to do as I didn’t receive the tax paper for ING Direct and for my Fidelity fund I have with Desjardins. As for ING, I find out that since I only made a few bucks with their interest, I won’t receive a tax paper. But the thing is I have that account with them since 2005 and since 2005, I didn’t declare any of the interest income I had received from them because they never send me a tax paper. But for this year, for a reason or another, I worried; I call, and give me the amount of the interest over the phone. So I don’t know what I going to do for 2005 and 2006, since I didn’t declare the interest gain. But does it really matter for less than 20$ per year of interest gain? I am all confused, as usual, and I don’t really need to do about it. Anyway, I am going to talk about it when processing with my taxes. So a lot is going on for me.

Unfortunately, my part-time job do not allow me to work both weekend days next week, which I don’t understand why, as they call be to come back to work. I was going to complain about this to them, but I decide to keep my mouth shut and keep them as backup. It’s really mean to them since I really was hoping to pay my complete rent with that money, but now, my hope is gone. I plan to take the day of tomorrow to apply to some part-time job. But at the same time, it’s not that a bad thing that I only work one day next week too, it gives me a little break. But at the same, I want a part-time on weekend really badly.

I was quite impress with my 2007 income, since I have earn more than 40 000$ in total. It’s quite nice, knowing than about 2 years ago, I barely hit the 25 000$. I really had a difficult time for work, as I once was in Ottawa, and before New Brunswick. I was quite happy to leave Ottawa, as I dislike their temporary contract with government agencies and their low pay. I wouldn’t like to work for the government for anything in the world. I get through a few contracts in Ottawa and I find them all extremely boring and poor work experience, as there was nothing much to do.

I want to post that final check to American Express to pay what I have left to pay, about 65$. So by the end of March 2008, I will be finally free of credit card debt. I continue to pay my regular expenses, with a Visa (I love Visa, it’s not like American Express, which seems to barely be accept where I go shopping). Only places I where able to pay with my American Express is at Wal-Mart and Reitmans. Otherwise, groceries store do not accept AE. But I like AE because of its Air Miles. And I don’t give a damn regarding that report that they didn’t want to translate in French. I just dislike living in Quebec sometime. I don’t like the mentality they have here and their law is too complicated. I just hope I will be able to do like Derek, retired early and move in another province, someplace near the sea. In a cool hot place in the Maritimes.

I really want to follow the strategy of Derek Foster to buy my first stocks and this time seems to be a good time to buy bank stocks. I begin to read The Lazy Investor, which I really like, as it’s describe step by step what you need to do to follow his strategy, which I won’t explain in much details here, as it’s his strategy. I wasn’t able to finish the book yet. And I have trouble to fully understand each steps. But anyway, I am going to study more deeply his books tomorrow. I also buy last week Stop Working, but I wasn’t able to begin the reading. Those two books are the first one I have buy since I graduated. It’s too bad I didn’t pay more attention to his work before because I could have done much better on reaching my first 50 000$. Tomorrow is Easter and it’s a good time to read, but as always, I have other thing to do. And it’s too bad stores are not open because I would had like to shop over for bargains; I need a new pair of jeans lol.

Not easy to work 7 days a week

I was so used to have my weekend off, I find it hard now to adjust and work 7 days per week. And with those taxes thing that need to be done and everything else, I can barely catch my breath. But one good news is that it's look like my mutual funds are not doing so bad, I got my pay yesterday and I am working this weekend, and also next weekend at the part-time job.

And another good news is that I only had left 62$ to pay on my credit card. If only I had known, I would have pay that 62$, I just send a 1 000$ check a couple of days ago. But it doesn't really matter, I will pay that 62$ on this month too and I will be finally over with my credit card debt. It's so easy for me to save money that it make it very easy to pay off that credit card debt I had for too long.

It's been a too busy week as I try to do one thing per day, before hitting back to work. It's not always easy. I had plan a bunch of things that were need to be done today, and I wasn't able to do all of them, but at least I am able to go through.