Today update

I just wake up by the sound of my pager at 11:30AM. Just received a call, but it wasn’t the one I was expecting! Its actually for another job. But that job even lower paying that the one I waiting for a call… I try to call the person I saw last Monday at the interview, but no answer… So I will try again, and if I cannot reach him, I will left a message or email… But the security check should definitely be ok. If not, someone had done a mistake somewhere… lol.

My stocks and units investment portfolio is currently at 27 176.07$. Which is always better than what we got in date of October 10th. And compare to last Friday, I gain 45$! Super great. At least everything is going ok with my investment portfolio. And how about the job? I truly don’t know. I am going to call again this afternoon, if I am lucky, I might be able to reach the person if not well, life goes on.

For the next following days, I will try to do the things I wanted to do and will do them, even while waiting, and waiting, and waiting…

Getting back on track

This weekend, I didn’t do nothing much. I was in a mood to nothing at all. I wake up late on both days, went to bed way to late too. It was a nice time off I have to say, especially today. The weather was beautiful today in Montreal. I went for a walk to the Park Lafontaine. The sun was out and it was pretty cool.

This weekend, I could have did some hours at my job since there’s currently overtime available, study the bank Web site for which I am probably be working for, got a hair cut, do my grocery, my laundry, clean my cutty little apartment, cook for my lunch… But guess what, I didn’t do anything of the above. Nothing at all lol.

At a point, I have too much things I am giving myself to do and well, at the end, I am ending doing nothing at all. But I have to say, I feel tired. True I walk a lot today, but I shouldn’t feel tired, especially after a weekend, but I do feel tired. Part of this laziness of mine coming from the other job. Like I am still waiting for a formal confirmation. Is a security check supposed to be long? I got my interview last Monday. I felt out the form, got the letter saying I am employed, but I was told I have to wait for their call before showing up to the training. But I cannot stand waiting anymore. It’s the reason why I cannot do anything right now. I need to know as soon as possible or I am going to die… Of course I am not truly thinking this – but its partly describe my state of mind at this time. Also, I need to give a notice for my schedule at my evening job. I want to continue to work there, but it’s just my hours will change a bit, but I am confident it won’t be a problem. At this time, I just want to know where I am going. And still, giving them a call won’t look like I am doing too much as they know I am currently working…

If the whole situation turn good for me, I will be giving an answer while calling tomorrow, I will be tell that everything is ok and for the hours giving at my evening job well, it’s going to work fine too lol….

I didn’t hear from my weekend job in a really long time now, so I guess there’s still no work available. Those times are kind of stuff. I am still able to manage, but it’s tough and rough. And having a job without really knowing if it’s official or not is even harder. Stupidly, I sign on for a credit card with the bank – maybe too quickly. But I like credit card, I just couldn’t say no to a credit card offer.

And just to come back to my credit card debts, I completely pay off my TD Visa. Since I am not working as an escort girl lol, I plan to do a balance transfer for the 500$ (which couldn’t get higher soon) from CIBC Visa to my TD Visa, at the rate of 4.9%. With only 70$ or so left in my banking account, I am very happy to have that balance transfer available. I am saying that my credit card could get higher, because if I have my banking job, I might be in a mood to do some shopping. But it won’t be too much. If I can finally have an official yes. So tomorrow is the true day, the day if I am going to know (or not) what’s going to happen next to my little person. In case of a negative answer, it won't be the end of the world, I will register to a dating site and start dating, just to do something with myself. Sure someome out there somewhere want to date me....

Other than the stress of not knowing for sure, I am pretty happy with everything right now. My investment portfolio is doing well. I just cannot wait to purchase more stocks. As soon as I receive the confirmation that I got the job, I will definitely look into open a broker account with the bank and I will try to put money aside for future trading. Looking good for a first 60 000$.

The investment of a lifetime: Pembina Pipeline Income Fund (PIF.UN)

I did around 4 hours extra on top of my regular shift today. It’s very difficult to do more hours than that lol. For now, everything is going fine. I would very much like a 1 300$ paycheck, after taxes of course. For that, I am willing to go to work on Sunday. I will definitely take my Saturday off. I need it to study some stuff for my upcoming job. My stocks and units investment portfolio is now at a fantastic 27 208$! Up of 689$ compare to October 10th! Not bad at all. Pembina Pipeline Income Fund is so just fantastic. For the first time ever since I have that investment in my portfolio, Pembina Pipeline Income Fund (PIF.UN) exceed the 16$ per unit. That was on today!

I was just looking at my TD online account and saw I had been offer a transfer at 4.9% for a transfer of balance… So I might pay my current TD Visa balance which is currently at 460.26$, keep around 80$ in my banking account and... tadam… transfer the 504.13$ I have on my CIBC Visa over my TD Visa at 4.9%... I couldn’t live without credit card balance transfer. Like that thing.

Until I can pay it all. But that will have to wait for my next paycheck… So everything is going so fine right now. Just so much fun. It’s not going so bad with my overtime either. What I learn from myself by working at the job I have right now: I can work 12 to 14 hours on a row without screaming at any of my customers… Isn’t sweet?

Pay night

I did some overtime today. I was completed exhausted, until I went out for a coffee late in the evening. My goal is to do 6 hours extra tomorrow AND on Friday… I really need the money. I would very much like to earn as much as I can on the next paycheck. Really crazy put the overtime is full-open, I finally ask. So I did 4 extra hours today, plan to do 6 hours extra tomorrow on top of my regular shift lol… I just have a few hundreds dollars left to pay on my TD Visa and CIBC Visa so I really want to pay it all. And after, no more expenses. I need to do my lunch and drink my own tea instead of drinking coffee. But I have to say, I am not suffering too much from my expenses. And this night is pay night… just received a 1 033$ paycheck. Which I was really in need of. I might have enough to cover the totality of my TD Visa actually. But after (counting after the rent of November…) I will have left 73$... I prefer to only have left 73$ in my banking account and pay out my debts. I am so close of being out of credit card debt. I really need to focus and control my expenses. And for me it’s me cut on junk. I might fit better in my jeans after that… To my surprise, my investment portfolio – the stocks and units one – is doing just fine. I am just praying to see Sprott Canadian Equity to reach the 35$ per unit. I want to see this now 50 000$ reach in investment to continue to grow until I start loosing weight.

My 6 units of Pengrowth Energy are now in!

Fun PGF.UN dividend

This is really funny. I had sold my units of PGF.UN previously this month. I had than sold all of my units, because PGF.UN had cut their dividend distribution and is wasn’t fitting well in our dividend goal. I am happy with the changes in my investment portfolio. Just yesterday, I had received 65$ in dividend from PGF.UN. But the dividend came in form of units…. So I now have 6 units of PGF.UN in my portfolio… And I will earn a few cents from their very tow low paying dividend lol. That was for the funny part. Stuck with PGF.UN forever… But PGF.UN is not a bad investment. It’s just the dividend cut that is annoying.

Work and overtime

As for the work part, I will try to arrive early (12PM) at my job today. Those are my only 2 weeks left. There was a problem with the system yesterday, so I guess today we might receive a lot of calls and a lot of calls = overtime. My throat is bad today. It may be time for a scarf and gloves…

Investment: Timminco going better

Timminco (TIM) is gaining is value! This is the first time since a very long time that the value of Timminco gains in price… Timminco had increased their production and had called back their employees for work. Very good news! Since we still hold Timminco, we hope for the best and any increase in value will be welcome coming from our part. Also, Sprott Canadian Equity Fund is going better too. Currently, our stocks and units portfolio is at 27 142.06$! Which is an increase of 623.06$! Even better than yesterday. We really deserve this! Hope things will continue this way.

Is it the beginning of a new financial crisis?

I read somewhere that the increase of the price of gold and the too quick increase of the stock market might be sign of another crisis… But didn’t I get enough yet? Lol… So is it time to sell my valuable investments? NO… We will deal what is next to come, with anxiety and stress………. But investing is that much stress. Sure it’s awful to see the TSX loosing points, but with all the money the governments across the world put into companies, into the stock market, I remain confident. I taught we were out of it now. And my way to see it is that the crisis had affected the richest among us. Which mean they had valuables left, like cars, boats, etc… And that once sold its providing money… So they cannot be left without any money to spend, since they continue to live……. Isn’t a crazy taught? But my taught was that because the crisis had affected a country like the US, people might had savings, if not goods they can live on while being under their employment benefits for a short period of time. Things might not come like it was before in less than 2 or 3 years, but still. 2 or 3 years is not that long. It’s not the end of the world. It’s the beginning of a new world. Hope institutions will look deeper into things and make sure it will never happen again.

Other than that, exciting times for me as I continue to wait for news from my new job but I guess it should be ok because after doing all the papers and opening what I had to open well, if I am not definitely hired… It just the waiting delay is annoying. But a security check is just a security check, right? Like I don’t want to spend my weekend at studying over something that might not happen.

I "may" got the job

I went to the interview. I had trouble to talk lol. I am always very bad in interview. Not that bad, but still. I am always so nervous! To my surprise, I am hired! I just have to pass the security and reference check. Which I should pass. I guess the most important part is the security check. As for the reference, I just hope it will go fine. I am quite happy, I guess I will study the bank Web site while waiting for a response. After, if I have a positive answer, it will be a lot easier for me.

Currently, my stocks and units portfolio is up to 26 951$, an increase of 432$. I am not even making that money in one day. I just hope the day end this way! Or even higher. I guess I am around 53 000$ if not more at this time. If I get hired at the bank, things are going to be a lot more complicated on my blog. The goal of my blog was to expose every investment I had on the first place. But now, blogging about the whole thing will be difficult. Because I don’t wan to get undercover. So I might simple expose the investment, without exposing the name. See the bank offer a stocks program. I don’t know how I am going to be able go keep writing about investment while working for a bank. Maybe I shouldn’t tell it here on my blog at the first place… But it’s too late now…lol... I am getting a free banking account... but I didn't have the courage to ask if we were getting a free brokerage account... like I don't want to ask too much and appear weird. But couldn't be so nice, no commission fee?!!!!!

Because purchasing stocks and investing in the TSX is not for me - especially for someone who's middle class see - but I do it anyway. So I didn't ask, and I didn't told them yet either that I want to manage one their mutual fund yet.. because you know, I was only joking while I wrote that.. previously... lol :)))) So I guess, just blogging in general terms without naming name or other stuff related to the bank won't get me into trouble. Or maybe am I already in trouble?

:))))))))

Dividend, overtime and job interview

Other dividend earnings

Earlier this week, I earn 27.08$ from Yellow Pages Income Fund (YLO.UN) and 13.13$ from Pembina Pipeline Income Fund (PIF.UN). I was very happy to finally receive my dividend. And I can’t simply wait for next month. It’s going to be just even better. For the month of October, I am only missing 2 dividend incomes. I should received sometimes next week or so 65$ from PGF.UN (that I now had sold) and BNS (50.47$).

Job interview

I have my final interview tomorrow. I hope to get the job. The weekend went pretty smoothly. I went to work yesterday and I took it off today. I did some cleaning (amazing my apartment is super clean lol), I later on went downtown for a little while and buy a pair of earrings. It was beautiful in Montreal today, the sun was out, and the weather was perfect. A nice autumn day, just the way I like them.

With the overtime I did this weekend, I hope to get around 900$ paycheck. I would had need 1 100$, but I didn’t do enough extra hours. But I will catch up on next pay. For the job I am going to an interview tomorrow, the training start in November. Its giving me some time ahead to do some overtime.

Is there a way out?

If I get the job I am going to for an interview tomorrow, I hope to do the training, which is suppose to be during daytime and keep my evening job. I would like to work at both jobs for the upcoming months… until I hit the 150 000$ in investments. And looking things this way, I am not too far away from my goal. I am currently, let say roughly at 55 000$. I am currently only missing 97 000$. If I am lucky enough to work at both job, I could probably invest close to 30 000$ per year in my investment portfolio. Which mean that in about 3 years, I could have 150 000$ and even more I hope, in assets. I am willing to give this plan a try.

At this time, I would like to reach the 60 000$ in assets by the end of the year. This could work if the TSX remain stable until that time and that I get hired at the job I am going for an interview tomorrow… It’s quite stressful, job interview always stress me. It’s about getting my social insurance number and stuff, giving my papers for diploma, present 2 pieces of ID. I guess it’s just for a background check… And everything should be fine since I am a very rich-lucky-girl. :))))

Dividend week for Just Energy Income Fund

I just received 21.08$ on today for the dividend of September for Just Energy Income Fund (JE.UN). I earn one extra unit. I am now at 405 units of Just Energy Income Fund.

My investment portfolio of stocks and units is currently at 26 628$, up of 109$. My Sprott Canadian Equity Fund if also up t more than 31$ per unit, for the second day of the row. I guess I might be around 53 500$ right now or somewhere close. Anyway, I won’t recalculate the whole thing again, it’s require way too much of work lol. I am just glad everything is going well. At this point, I need more cash to extend my investment portfolio and I need the TSX to gain more points. The combination of both (salary and TSX gain) could make my gin thousands of dollars more. I could easily reach the 65 000$ without too much work. 50 000$ is a fun goal, but wouldn’t be fun if I could reach the 100 000$? It’s not an impossible goal.

As for now, I am happy with the gain made so far. My Great-West Life portfolio is now up to 1 678.07$. 100$ over here, 100$ over there… at the end, all those little gain can easily make 1 000$ in gain. At this point, My first 50 000$ is taking form and all this worth actually something. My motivation is not to come and say: hey, look at how much I worth! I like my blog because it’s offer me the possibility to explain that it’s possible to accumulate mass of money, even at a middle class salary. And it’s also possible to make money from money (that will be the dividend). Not that I like Derek Foster that much that I want to do just like him lol, but what I like, is the possibility, the possibility to make a living from my investment. And what come next for me as a step is now: will I continue, does it worth it to invest all my savings on the stock market? Sometimes, I told myself wow, 50 000$ is a lot of money, what am I doing here, investing in stocks and units? But that impression never last for long. I always told myself that if I would loose too much, I will stop. Currently, from my stocks and units portfolio, I had lost a bit more than 8 000$. So far, in my broker account, I had invested just a bit more than 40 000$. From that money, I lost 8 000$. I lost the money in Timminco, Sprott (SII) and in Sprott Canadian Equity mutual fund. Also with Blue Note Mining. Even while facing money lost, am still not at the point where I am not going to invest anymore. I believe I will be able to recover from those loses pretty easily. I still believe in my chance and its look to me like the stock market was made just for me, so I can win big at this game.

For my next investment, I want BRC.UN, Enbridge, BA.UN among other. I don’t think I can lose with those picks. As long as I remain with dividend payer stocks and units and forget about penny stocks, I won’t loose money. As long my portfolio keep growing in all kind of crazy directions, I won’t loose, I will gain. And reaching that 50 000$ in investment had made myself felt that I cannot remove myself from the market because I have too much too earn and gain from it. That’s exactly how I feel at this point.

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.