And now it's Desjardins

After having many issues with TD Canada Trust, now came Caisse Desjardins. I had to update my investment profile with them just because of one mutual fund investment I have with them.

I was really frustrated when I received the letter they send me for that purpose because they told me that if I was not going to update my investor profile, my banking account other asset will be all frozen… No way am I going to invest ever with Desjardins. And this is even worst than what I had last time with TD Canada Trust. Like if I didn’t go through enough yet. Anyway, I place the call, update the stupid profile with them over the phone and promised myself there I would ever again purchase a mutual fund outside a broker account again. It is way too complicated and annoying. And I don’t know if they even realize it, but they are loosing me as an investor and a customer.

When I call to update my profile, I was on my two mornings off and I expect to had nothing to do, but like usual, my plans get disturb and I had to call about 3 times to get this done by an arrogant advisor who was really mean over the phone. Desjardins really suck, just like TD and I am just hoping to find a way out of hell once of these days.

Latest details

For now, I lost of money. And from what I read around, the worst is to come. I didn't sale any of my investment. I might had lost thousands of dollars, but I didn't count how much money I now had, because I know it could happen I only now worth 20 000$ or so. And I probably won't be able to reach my first 50 000$ by the end of the year, but I don't bother. I plan to leave things like they are and invest the max for my RRSP. Which mean I still need to save a 7 000$ by the end of March 2009.

But now, things are more difficult than ever, especially now.

I got flag at my evening job. I laugh at a client, but from my part, it wasn't a laugh in the sense of I am making fun of you; it was a laugh about the situation. Anyway, I learn the hard way, not to laugh at anything. I am pretty serious most of the time, but knowing I work from 9 am to midnight - in 2 different jobs daily, I might got tired at some point and started laughing. After all, maybe I was laughing at myself. Who knows? That’s for the first thing that is going wrong. But luckily, I didn't get suspend - but it was a final written warning. No more laughing. My job is so easy, I am not supposed to loss control.

The price of my monthly rent just gets higher of 15$. When I receive the news, I didn't react. No reaction at all. I am just tired of life and my life in Quebec. I hate Quebeckers and all the rest.

Lack of work at my part-time morning week-days job. I was giving 22.5 hours and since 2 or 3 weeks, I never been able to make my hours.

Other than that, just in date of today, I had another bad surprised at my week-end job as I present myself to work and they told me....... to go back home.... And my whole day was pay. It's the last time I ever present myself there. They went to far my lying to me, saying that they had try to reach me. And I won't accept any lies, just plan to change of week-end job. And good-bye. It's very liberating to use big words in my written. I had a friend of mine who’s under therapy - and for me, instead of exploding, I just use the F word and it's just do the thing. It really does. I just love to use a rude language in writing, as I never used such language in real life. Because my blog is not real, my money disappears and it's really nothing at all.

I am job searching. I didn't search for a job since, I believe - the month of February 2008. It's been 7 months since no job searching. I taught everything would have been ok. Money was coming like crazy. For the month of September, I earn more than 3 000$ after taxes. That's money! I would like to have a job offering 30 hours weekly, flexible, mornings and week-ends. I just don't understand why things are the way they are for me. I sometime laugh at myself by thinking that I am too good for myself, I am too highly skills, my portfolio rock no matter what no one thing, Quebeckers are just too stupid to get that, I am a cool girl and I belong to someplace else.

In the meantime, since I am stuck here, I am job searching and just pray I could find a steady part-time job because right now.

$$$

I finally start to earn good money from my investment. The stocks I purchased yesterday are going up up up. I purchase Bank of Scotia Bank at 44.82$ and now each stock worth 49.40$... Which mean I made 458$ from that investment. I never earn that much, and so quickly, from other investments of my whole life.

And the Hanwei Energy Services (HE) stocks are going up to at 2.20$. I made 15$ from the investment, as originally I purchase the stocks at 2.15$.

Just from yesterday, I made a total of 473$!

WOW!.... Especially that the HE was a wild pick... As I had some money left. I pick the stock in a special edition of a magazine about finance that I don't remember the title. So I "try" to do my search and beginning to think for myself and I came with a list of stocks that eventually provide a good return only if chance is by my side. They are:

BRC DiamondCore Ltd (BCD-T)
Highest: 4.74$
Lowest: 0.70$

This stock look like it's been closed or something. The stocks remain at 60 cents and no trade had been done on it yesterday. I don't know the reason of this.

Chariot Resources Limited (CHD-T)
Highest: 1.32$
Lowest: 0.46$
But I find CHD-T a bit too volatile.....


Antrim Energy Inc. (AEN-T)
Highest: 7.49$
Lowest: 2.10$


Lundin Mining Corporation (LUN-T)
Highest: 13.97$
Lowest: 4.53$


Western Goldfieds Inc. (WGI-T)
Highest: 4.13$
Lowest: 1.59$


And, the current pick:
Hanwei Energy Services Corp. (HE-T)
Highest: 6.29$
Lowest: 2.08$


All data provide below should be modify, as its common from me to make mistakes.....

And for those stocks below, I didn't proceed with any intensive research, just a bit of reading over the Internet and it's about it. Anyway, I like Hanwei, once again for the name, it's sound a bit like Hawaii and it's exotic. That's why I pick it.

I really need that 473$ right now because my famous BN are now down to 0.04 cents, I am still loosing with Sprott Asset Management, TIM, and not to talk about my mutual funds. It's a disaster.

As for my loan I made from my credit line, if I calculate the right way, I will be able to refund within 2 months. I plan to transfer the rate with one a check I had from one of my credit card. I can get the rate of less than 3%, rather than 18% of my credit line. If I calculate right, 18%, for 2 months, make a total of more than 100$ on 4300$... which I could even believe but I guess its what it is. And I don't care if it will affect my credit score. It's really too bad I don't had more money from my own to invest in stocks.

Bank of Nova Scotia and Hanwei Energy Services

I maybe did a wrong move, but I take 4 300$ from my credit line to purchase stocks... I now had 100 stocks of Bank of Nova Scotia (BNS) that I purchase at the price of 44.82$. Since I had some money left, I take the chance on Hanwei Energy Services Corp. (HE), for 300 stocks at 2.15$....

I won't do any more for a couple of weeks, as I want to pay off as quickly as possible and I will possibly pay it off within 6 weeks. I took a look at my investments, SII, TIM and other, and they all go up, so I just hope that it will turn for the best. It's a good thing I invest in Bank of Nova Scotia, it will provide some stability to my portfolio.

There was the TD Canada Trust stocks that were at 59$, but I wasn't having enough to purchase even 100 stocks. Below that, the fees are higher.

I am all happy with my move and I will work hard in the next few weeks to pay it all.

I am doing ok after all

I am still loosing money like crazy today, my Sprott Asset Management stocks value is still low, even with Blue Note Mining, I lost money. But I didn't loss enough to tell myself I won't invest ever again... I have an eye on Bank of Nova Scotia stocks and I might do my move tomorrow. I am just too excited see how things will turn out by the end of the day. If only I could have a 10 000$ somewhere... but right now I still don't have too much in my bank account.... But anyway, I plan to borrow 5 000$ from my credit line and purchase some stocks... I had been waiting for so long to purchase a bank stocks and this is the good time. I am all getting excited and yeah I can't wait.

And talking about banking account, yesterday, I was quite shock about a conversation I learn at my job. It's my full-time job, and it's in a call center. We are being paid 12$/h. It's very low for all the work, but anyway, for now, still I stick with 2 other part-time job and I had a regular schedule, I stay there. And the job is quite easy after a couple of weeks. Anyway, I heard the conversation of that lady, she's in her fifties and she was talking to someone higher and she was telling about the medications she needs and than in the fact that she was living in poverty. When I heard her saying the world something like "my poverty" I kind of freeze there. "Living in my poverty" is what she said. It was so weird to hear her saying something like that. Like if she wanted that we had her in pity. And I once hear her telling to a customer something like "I work 11 hours a day". Is she looking for a some kind of recognition from the customer or something like it? And anyway, if she work 11 per day, in the end of the 2 weeks for the pay, she will get a 1 000$ paycheck after taxes. After that your telling me you live in poverty?

I never, of course, tell her anything of what I was thinking of her behavior. But I dislike it very much and I just hope someone will listen to her calls and tell her just to stop looking for recognition coming from customers. Myself, I am not the type who's looking for some kind of recognition. Not that I am careless, but a job is a job and for myself, the only thing I am into is money.

And sometime, I told myself that if I would had been very great, I wouldn't be working at low salary jobs and it will be really easy to find a well paying job. I am just like that and I like to be mean to myself. Like just for my portfolio. If I loose everything, I am going to loose anything. But from the start, I build everything for a long time commitment and I am not afraid of the stocks market or about anything else as everything had been plan and at the same kind not being plan - for a long time adventure.

And a bad news, other than the stocks market is that I yesterday ask someone if there was overtime available and I was told I need to ask for my supervisor. Usually they put on the board if there is overtime but these days, nothing. And I know a couple of co-workers who are doing overtime without asking. For myself, I am too scare of that - and what if there's no overtime available? They don't seem to be very concern about it, but I am. One of them told me he wasn't giving a damn about it. I am just curious to ask to be able to do my Sunday, especially after what happen to me last week at my little survey job... Like I show up at work but there was no one to open the place. I don't even know what's going to happen to my pay for that day. Anyway, I am supposed to call tomorrow to find out if there's any work available.

I really had the worst and the most miserable jobs in the whole word but the things is mixing them all together make a huge $$$ after the week. The only thing is I am getting annoying of the weekly routine sometime.

This Saturday, I am getting a hair cut.

Loosing money like crazy

I gave a quick look at my investments, and I am loosing money like crazy with my stocks and if things don't get better any time soon, I will probably not be able to reach my first 50 000$. I am loosing money with my investments and also because of my employment situation.

Like today was the worst day of my life. lol. I present myself at work, and like other, we were like about 15 employees to wait outside for a supervisor. And the supervisor never shows up, I wait for about an hour before going back home. I am upset because, like those 15 others, we were told we were working today. I am upset because that's by weekend job, I am getting about 330$ bi-weekly, which is good because it help me to cover my rent and a part of my metro pass... But today, there was no work and I was told there was some for me. So at this point, I really don't know what to do. We are out of work for next week... For that I knew, but for today, it was supposed to be ok. So that is for my weekend job.

It's a bit the same situation for my morning part-time job, I am getting in and out of jobs and it makes it difficult for me to reach my goal. It's really only at my full-time jobs that things are relatively ok. So the plan is too see who things turn out in about 2 weeks from now. After what I will begin my search for at least one other part-time job. I am running out of look and I am sad because I wanted to remain at the same work place to provide some stability to my resume. But is it my fault if I suffer from a lack of work?

I enjoy my free time today. I even dye my hair, which haven't been done for about 3 months and I am looking much better now. For the rest, I will take it one day at a time, since there's overtime available at my full-time job. But refilling 11 hours in a row some prepaid accounts is just giving me one of those headache lol.

My very best picks

I hold more than 30 different investment products. On that bunch of 30 of more investments, only 5 never let me down, in a sense that I never lost money (meaning never lost the initial investment money), even in bad times.

My top 5:

Fonds Desjardins Fidelity Frontière Nord
Energy and Base Metals Term Savings (Indexed term savings) – with Desjardins, but this GIC is now close
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
CIBC Monthly Income Fund

Proof that it's very difficult to find very good investments.

I plan to invest in the Fonds Desjardins Fidelity Frontière Nord for my next coming RRSP.

Blue Note Mining all the way

It’s seemed like my problem with computer partly resolve, so I quite enjoy my evening. And I am quite all proud of myself and with my Blue Note Mining pick. The share jumping from 0.055 cents to 0.07 cents. Which made a profit of 180$, which is more than what I earn in a near 13 hours of work per day.

For now, I keep the stocks, I won’t sale for 180$, knowing it cost me 29$ to invest in those stocks, and it will probably cost me the same thing to sale them.

I just hope things continue to keep rolling and going……

I really like what I read about Blue Note in the following paragraph. The most interesting for me was this specific part:

“We just need metals prices to improve and this mine will kick off lots of cash," said Michael Judson, Blue Note's President and CEO”

Source: http://www.huliq.com/13/67010/blue-note-reduces-costs-caribou-mine

And when I read “Caribou”, it’s just making me laugh, like hey, I know Restigouche, Caribou and all those tinny little places. That’s back home, even if I am not exactly from there!

Rock on New Brunswick.

Summer time is almost over

Now summer is almost over and I didn't see too much of it. But it was quite an exciting time as I just purchase my first stocks, but the fun stop there. Or almost, as I make a lot of fun of myself -me with my 3 low paying jobs, working 7 days a week - how don't know how many hours. I believe that when the time will come, I will do something else. But earning money is quite bad as I just want more and more of it.

I quite enjoy TD Waterhouse now that I am all set up with them. It's quite unfortunate the things that happen previous, but their online system is very easy to use and I really enjoy purchasing stocks by myself. For the first transaction, the Sprott Asset Management stocks, I purchase them over the phone, for the rest, I did everything online, except for the mutual funds of Sprott, which I purchase over the phone, since it was done without any fees.

I would just like to purchase stocks from a bank - from TD, as I read they are the one who are the least affect by the credit crisis we are in. I would had care about Rogers stock, but I still don't know.

I didn't calculate the overall value of my investments, as I believe I had lost money here and there again. But it doesn't matter, as I am ready to lose money - but I want to gain as twice more. I really had faith in the Blue Note Mining. It's kind of a lovely name for a mine and I read things around and the things is it's a good company to invest in. As soon as the price of zinc will start raising, the big cash will come and I might be finally be done with my student debts. As soon as the share can just reach - one more time the 60 cents - I sale, and make $$$ and pay off some of those debts.

That's the plan.

About Blue Note Mining

Yesterday was my birthday, I am now 28 years old and I didn't reach my goal yet... But anyway, I quite happy to where I am at this point and I just hope things will just continue to improve for me.

Really lately, I purchase 12 000 stocks of Blue Note Mining, for no specific reasons, just I find accidentally the company by searching for the National Bank symbol (which is Banque Nationale in French - BN). What I find was quite interesting. Blue Note Mining has a mine of zinc near Bathurst in New Brunswick - which pick my interest because I am myself from New Brunswick. The investment cost me a near of 700$ in total, for 12 000 stocks.

And the fact that the cost of each share is super low interest me, and also the fact that earlier this year, the price reaches 65 cents or 60 cents per share... So if, by any chance, the share price can still reach the same 65 or 60 cents, I will be able to make a lot of money as I purchase each share at the price of 0.05 cents... Since I really don't have that money to invest, I find the possibility interesting and well, if I lost money, I won't lost that much, only 700 or 600$... But the share price is pretty stable, it goes around 5 cents to 0.055 cents.... and I don't understand how a share can reach 0.055 cents as 0.005 doesn't mean anything in Canadian money.

I still have a lot to learn I guess... ;)