My job interview of today went fine

I went to my job interview today. I was asked different questions regarding job in a call center. They were mostly general questions, situation questions kind of like. The interview went ok and I was told I will receive a call by the end of the week for a second interview. And to my surprise, I received a call when I was at my evening job. I call right back away. There was a spot available tomorrow, but it was too close to my evening shift, so instead, I took the interview for Monday morning.

It gives me a bit of time ahead just to prepare myself a bit more for an interview. Not that I wasn’t prepare for today interview. But with the fatigue, stress, etc., the interview of today wasn’t spectacular. My problem is I am feeling very tired at this time, even if I sleep well. Maybe it’s the weather change that is affective me. Until Monday, I have a lot to do as I want to do some overtime and catch up with different things I need to get done. If, by any chance, I got the job, I will be one of the happiest girls of the world. Working at 2 jobs during weekdays will be tough, but if I do not work 2 days straight, I think I will be able to handle it. The training will be during daytime, and during the evening, I will be working at my current job… And money will finally arrive. It’s been quite a long time now that I had been living on one salary only and I miss the money.

I cannot wait to have my bank account and other stuff with the bank I will be working for. I am just hoping for a discount for a broker account too. Just very curious about the free bank stuff employees can get. I never heard of it before. Maybe not free, but at a discount price. That part is pretty intriguing. Going for bed for now, exhausted by my day and I didn’t do that much at all.

Free Saturday and District 9

Today was a funny day. I wake up late. After, I clean my place. I might had pass around 3 hours cleaning my one and a half apartment. I just now have some laundry left to do. I am glad I am done with the cleaning. I hate to clean my place, but I « try » o do it at least one every 2 weeks. The benefit of living in a tiny 1 ½ is that it’s doesn’t require that much cleaning and that’s perfect for me lol. A 2 and half might be better for me. A one and half apartment is quite small and I am missing some storage room. I hope to one day move and get a 2 and half apartment somewhere on Montreal Island, close to a metro. So, after the cleaning, I go out for lunch and went downtown. Later on I went to the theatre and saw that strange movie, call District 9. Certainly didn’t worth the 12$ I pay for, but it was kind of ok. It’s a lost colder outside now. It’s just sad that summer went so quickly.

Tomorrow Sunday I have overtime available, I will try to go to work in the morning. And after, I will try to prepare myself for the interview. Always so much to do. I would like to have the job even if the pay is low. Advantage (including health insurance) are available on the first day we start working. So for sure, I will take my time to go to the dentist. At my current job, we have social bonus, but I never sign up for them… Its just one of those things I never took the time to do. For now, what I really wish for is that the interview went well and that I will be able to work at those 2 jobs at the same time. I was told already that the training is during the daytime. Wouldn’t be nice if I could the training there during daytime and work my regular night shift just like usual? That could mean a lot of cash in order to purchase BRC.UN and maybe even Enbridge… Finally! I just cannot wait to add something new to my investment portfolio.

And I cannot wait for Tuesday to come.

I am now at 52 833.37$

We are already Friday! I didn’t perform anything good today, but at least, I present myself to work lol. I wanted to wake up early to do everything I had planned to do, but I didn’t do that much. I want to pay my RBC credit card. In date of today, I no longer have credit card debt. At least major one. I expect to pay everything by the end of October.

I was planning to do some overtime tomorrow Saturday, but seem like there’s none, and its better that way. I have way too much to do, a day off won’t even be enough. And since I am not working tomorrow, I calculate my overall earnings. With the latest changes that happen in my investment portfolio lately, I couldn’t wait to see how much my portfolio worth. I am currently at 52 833.37$, which is not bad at all. Almost at the 55 000$, even without Livingston International Income Fund (LIV.UN) and Pengrowth Energy Trust (PGF.UN) in my portfolio.

Going to bed for now.

My investment portfolio in date of September 30, 2009

Savings:
2.69$ (ING Direct)

Non RRSP Investments:
Stocks & Units portfolio
Sprott Inc. (SII): 1 937$
Timminco (TIM): 270$
Blue Note Mining (BN): 66$
Bank of Nova Scotia (BNS): 5 036$
Hanwei Energy Services (HE): 315$
Methanex Corporation (MX): 1 957$
Fortis (FTS): 2 570$
Pengrowth Energy Trust (PGF.UN): 7 157$
Livingston International Income Fund (LIV.UN): 674$
Pembina Pipeline Income Fund (PIF.UN): 1 551$
Just Energy Income Fund (JE.UN): 2 811$
Dumont Nickel Inc. (DNI): 460$
Yellow Pages Income Fund (YLO.UN): 2 217$
TOTAL: 27 020$

Mutual funds (outside RRSP)
Sprott Canadian Equity Fund: 4 385.87$

Tax-free savings account
RBC O'Shaughnessy Canadian Equity Fund: 2 446.65$
Creststreet Alternative Energy Fund: 1 186$
TOTAL: 3 632.65$

RRSP:
CIBC Dividend Fund: 478.48$
CIBC Emerging Markets Index Fund: 459.32$
CIBC Monthly Income Fund: 957.44$

Energy and Base Metals Term Savings (Indexed term savings): 503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$

GIC National Bank: 1 098.49$
GIC Finance Plus: 1 513.97$
GIC Plus: 500$

TD Canadian Bond: 110.95$
TD Monthly Income: 99$
TD Emerging Markets: 78.70$
TD Energy: 79.41$
TD Precious Metals: 92$
TD Latin American Growth: 88.71$
TD Entertainment & Communications: 98.83$
TD Dividend Growth: 188.30$
TD U.S. Mid-Cap Growth: 94.29$

Maritime Life International Equity Fund (Templeton): 675.57$
Manulife Simplicity Growth Portfolio: 831.89$
Maritime Life CI Harbour Seg Fund: 984.23$
Maritime Life Fidelity True North Seg Fund: 931.83$
Maritime Life Trimark Europlus Seg Fund: 609.50$

Great West - Various: 1 577.81$

RBC Canadian Dividend Fund: 484.07$
RBC U.S. Mid-Cap Equity Fund C$: 1 707.96$
RBC Global Resources Fund: 753.68$
RBC O'Shaughnessy International Equity Fund: 657.16$
RBC O'Shaughnessy All-Canadian Equity Fund: 893.47$
GIC Canadian Market: 1 000$
TOTAL: 18 050.58$

Social Capital at Desjardins Membership share for 3 accounts:
40$

Savings + Stocks, units, mutual funds + Tax-free savings account + RRSP + Online Income (35.23$):
53 167.02$
[In date of September 30, 2009]

My job searching progress

I begin my job search and I got a first interview next week for a job. Problem being: I might not be able to work someplace else while working for them (a major Canadian bank). I couldn’t lie, the job require experience in a call center as a customer representative and the only place I got that kind of experience is at my current job. Normally, when I apply at a job, I am pretty smart, I don’t expose my newest experience and until now, it work pretty well, and it allow me to work at several jobs at the same time.

But the job of today required experience as customer representative and I was asked if I was still working there, and I answer yes… I couldn’t lie, especially on that. Over the phone, the interviewer told me that I probably wouldn’t be able to work someplace else while working for them. But hey, at the salary that they are paying (less than 30 000$), how can they imagine I will stick with only one job? Anyway, I didn’t discuss much over the phone as I didn’t want to ruin all of my chances right from the start. As for the salary, it’s the salary I was told over the phone, which I said was ok. They have evening shift available, which are perfect for me, it will allow me to work daytime at the job I am right now. I could probably work something out and I could possibly earn more than 40 000$ this way. Wouldn’t be cool? Will God let me do this for my own faith? Anyway, I don’t know what God want from me, but what I want is some cash. And I want it right now!

But remember, this is my first interview, which I am pretty happy about. And I am thinking about taking the offer. I am not looking specially to work with a bank. It’s just happen that way. Actually, I should explain to them that I don’t want to be a simple CSR (customer rep), but I actually want to become one of their mutual funds manager lol. No one is better than me, right?

I should probably explain that to them at the time I present myself to the interview next week. Sure I am going to get the job right away this way. Crazy.

About my stocks and units investment portfolio

It’s getting better and better and I am proud of my move (selling PGF.UN), even if PGF.UN increase in value today. After loosing so much money with Sprott Inc. (SII) and Timminco (TIM), I didn’t want the same story to happen again. So I sell PGF.UN. And truly, I don’t regret it because this awesome move had saved our dividend annual income. Awesome! I am actually really proud of that. And I would be even prouder if I could find any cash to invest in BRC.UN.

And what’s next?

Job searching! Cleaning, cooking and laundry. And a visit to my PO Box. Overtime… I want today at the RBC of Ville-Marie downtown Montreal, but something happen during the afternoon at Ville-Marie and the RBC Bank was close. I cannot wait to pay of my RBC Credit card. I have 469.10$ to pay off. By the end of October, I will be credit card debt free.

Job searching for the money

I work on my French resume and I probably begin my job search right today. I wake up early today! It’s currently 8:38AM… I might be very motivated by something…. Might be the money lol. I need cash to bring some 100 units of BRC.UN in my portfolio. I want those!

Yesterday, JE.UN close at 13.98$ when I had purchased 200 units at 13.84$. I made a little profit right here in just in a day. I am happy that all those transactions are now over. Feeling better now, but it make me laugh because since I sell, PGF.UN price continue to rise… until 10.71$. I could had made an extra 475$ in profit if I would had sell at that price but anyway, I will say that life not just all about money. I guess some other investors might had done the same thing as myself.

I cannot wait for tonight to come, as I am expecting a big paycheck of at least 1 100$. After what, tomorrow I will be able to pay off my RBC credit card, a major part of my CIBC Visa and maybe just the minimum payment for my TD Visa. I will pay as much as I can, but I need to keep 200$ in my pocket for my next month as I don’t know if there’s overtime available.

I saw colleagues of mine who really have enough of that job as their vacations had been refused. I never asked for vacation and I am close to the 2 000$ in vacations pay. I would like to cash in the money – or leave the vacations money there until I leave and cash it out… But at a point, I feel I might need, someday, those vacations lol.

Anyway for now, what I have enough is that there is no ventilation and its smell and its too hot. But most of the time, its relatively ok. For now, I am job searching. I would like to find something in my field and if not well, I will continue the way I am.

I just purchase 200 units of JE.UN at 13.89$

For this purchase, I had to modify my order from for the limit of 13.89$. I just purchase 200 new units of Just Energy Income Fund (JE.UN).

My investment portfolio currently worth 26 441.55$.

So I finally made it. I save my annual dividend income and its really great.

As for the rest, I am tired. Yesterday at work, they hd begin to change the whole call center carpet while we were still in there. It was smelling glue! What an horror. Just what we need to get intoxicated. And here am I this morning, feeling not so bad, but I just want my bed.

I also sell LIV.UN earlier today

And everything went well. I sell my 102 units of Livingston International Income Fund (LIV.UN) at 6.55$ per unit. I didn’t get any extra fees for selling 102 and not 100 units, which I am pretty happy.

More about PGF.UN

As you can imagine, while at work, I quickly check for the value of PGF.UN. And… to my surprise, it’s up to 10.71$! Of course, if I would had known, I would had wait to sell my units of PGF.UN. But still, I was able to make a profit from my sell and personally, I wasn’t too happy about fact that PGF.UN are cutting again their distribution, second time since a couple of months. For nothing in the world I regret my sell of PGF.UN. No one can predict how the market will be. In this case, I was very surprises to see PGF.UN increase today as a dividend cut of 30% had been announced by the company this last Friday.

On Friday, I was very upset, because everything was working so fine. It’s seem like I can never take a complete rest. I was receiving an average of 65$ per month. PGF.UN was my main dividend contributor. I really like PGF.UN. But with our dividend goal of our, I prefer to sell. I do not regret the sell because at the time, on the moment, it seems to be the best thing to do. Probably PGF.UN will gain in value again in the future, but enough is enough, I have enough of distribution cut. And Livingston International Income Fund (LIV.UN) is no longer from my portfolio, same thing for PGF.UN and I am pretty happy about it.

Nothing happen for nothing…

I had prepared myself a check for CIBC Visa of the amount of 350$, a couple of days ago. But I never went at the CIBC to make the deposit because in the last couple of days, I wake up late all the time. And thank God I did! If it wouldn’t be of that extra 350$ available, I wouldn’t be able to place my next order for Just Energy Income Fund (JE.UN). Now, I just have enough to cover 200 units of Just Energy Income Fund (JE.UN). And I will have a little left over to cover the minimum payment on my credit line.

I just placed a purchase order of 200 units of Just Energy Income Fund (JE.UN) at the highest price of 13.85$. I hope my order will go smoothly and that I will find my purchase order completed when I wake up.

So it’s seemed like everything turn for the best for now. Let’s take it one thing at the time. I felt a lot better today, once I wake up before leaving for work. At a point, it was a lot of stress for me as it was my first real sell experience and it went well.

Again, some dividend calculations

Again:

Our current dividend gains so far: 1 466.96$ +

From our new PIF.UN units (300 units): 39$ x 3 months left:

November-December 2009 = 117$
From our new JE.UN units (200 units of tomorrow): 20.66$ x 3 months left:

November-December 2009 = 61.98$

Our current 1 466.96$ + 117$ + 61.98$ = 1 645.94$ by the end of December 2009. Not bad at all. For 2010, we should received around 2 182.96$ in annual dividend earnings. And since we are enroll to a DRIP to all of our investment, we can easily add a 100$ on top of that. Which will make 2 282.96$, for an average of 190$/per month. Really not bad!

I am just hoping that in the meantime, JE.UN and PIF.UN and all the others I have in my investment portfolio will continue to pay dividend.

Some left over…

This is very hilarious and funny situation. Today, we sell all of our 650 units of PGF.UN. Nothing new here. But we are still eligible to receive PGF.UN dividend for this month. Since we were unroll on a DRIP, we will received new units of PGF.UN, probably 5 or 6 new units that will be add to our portfolio while no PGF.UN units are currently in there. See, because we sell after the record date, we are eligible to received PGF.UN dividend for the month of October. Since we didn’t cancel the DRIP before the record date well, we will receive some units – in units form – in our awesome portfolio. I had the confirmation coming from TD. This is not bothering me at all, just I would have preferred to receive the money in cash but I am not the one who fixes the rules… This is going to look crazy in our portfolio. But this is a sign – our relation with PGF.UN is not over yet. Guess I will invest more in PGF.UN in the future. Just that we have dividend goal, see. Going to bed now, if I wake up early enough to do my stuff, might be able to go to the movies.

My new investment: 300 units of PIF.UN

I just purchase 300 units of PIF.UN at 15.21$. Not so bad. Now, I am completely exhuasted and work at 4. For other sell or purchase, I am going to wait tomorrow.

Stress around PGF.UN

Initial investment of PGF.UN: 6 284.57$. I just wake up (at 10:00AM...) you can imagine I wake up all in stress. Like this weekend had been the worst of my live. I was very stress about seeing Pengrowth cutting their dividend distribution. I am very proud of this sell. And watch this out: I was able to sale an make 6 536$ after commission. And even in recession times, I was able to make a nice profit of 251.43$, which cover the cost of my next 2 investments.

TD Waterhouse tools work great, I was able to sell Pengrowth this morning and I didn't want to go lower than 9.70$ - and I sell even at a higher price.

For next time, when come time to sell, I won't stress that much now that I know that well, the whole system seem to be working. Now let's sell LIV.UN.... or see what we are going to do next... Happy times. My first sell of units and it was today, October 5th, 2009. Coincidence? Remember what happen on August 5th? I reach my first 50 000$ in investment.