Yeah, I got laid off and so what?

I got laid off last week because I am a work genius. I didn’t write about it, but I have to say, I saw it coming. Now that it’s been done and completed, I am ready to move on. I am currently close to 300$ in dividend earning per month. Lay off or not, the journey continues. I have to say, I have more than one trick in my pocket as I am financially speaking pretty safe. I wanted more than one time post the name of the employer who lay off me, but I won’t. I wouldn’t like to face criminal charges and I have to say, I have more important things to do in life than just ding some smart talking around some loooooosers who don’t even deserve me. I am one of the smartest – and weirdest lol – small investor that is out there. I am not the youngest retiree (that’s Derek Foster title lol) but I am the smartest small investor. That’s it! But one day, I am going to make it and than, I will write a book and I am going to let the world know from which bank I got laid off.

See, I am smart enough to have kept my old job while working at the bank because I kind of had a feeling that it wasn’t going to work for the long run as I find their way – at the bank – extremely arrogant and careless. But what is definitively in for the long run is me as an investor. Or me as a dividend girl lol. I have a lot of projects on the way! My life didn’t stop when I got laid off; it’s completely opposite that happen. Laid off or not, I continue to beat the steel…… when its hot, of course.

My work shift is currently kind of difficult to manage around. I might ask for a shift change, but I am just a bit afraid to ask since its going to be my third time asking for a shift change in the last couple of months. So I do not know what to do right now, if it not just working my hours. Anyhow, I also have a weekend job where its going ok there too. So I am not in need of money and I can manage myself quite well. I had been even quite lazy lately as I slept in until 10am or so… and I begin to work at lunch time. That’s how its been going on.

Major projects on the way: changing of broker

With the current investment portfolio that I own, I can trade for as low as 9.99$ with iTrade, no matter how many units are being trade. At 29$ per trade, TD Waterhouse is not cheap. Major benefit from TD Waterhouse: their platform is really awesome. I am a real beginner, but still, I had been able to purchase stocks very easily with TD Waterhouse. Despite some problems, I got a good service. But now, time to move on and invest at a cheaper price.

My way of investing is very strange. I do not have a particular method. My one and only rule: diversification. In this current case, diversification means that I invest very small amount of money in different companies who are, most of the time, dividend payers. My latest investments had been made in dividend payers companies. Why should I pay 29$ per transaction when I can pay 9.99$? I can save money just by changing of broker. So why not? T D Waterhouse charge an annual fee for RRSP investment. But iTrade do not change anything. I absolutely need to invest 10 000$ for my RRSP of 2009. If not….. slashhhhhhhhhhhhhhh. Hello taxes! Provincial taxes are a real headache here in Quebec. I wanted to invest in the iShare for a very long time now! Seem like its going to be in 2010. I also want to borrow money to invest in my RRSP. Usually, those type of loan remain free for the first 3 months (no payment require for 3 months). Also, the interest rate is generally low too. But I guess that in 3 months from now, I would have figure a plan to pay off the loan completely. I am still under the process for a RRSP loan. Life is not easy.

Also, I currently have more than 2 000$ coming out from no where that I want to invest it. I have an eye on Jean-François Tardif top pick of – I think it was of 2009 – Premium Brands Holdings Corporation. At this time, Premium Brands Holdings Corporation represent the perfect investment. The price per stock is under 14$. This investment is quite affordable (just the way I like them!). Very awesome fact: Premium Brands Holdings Corporation annual dividend is currently of 1.176$. Just a couple of months ago, Premium Brands Holdings Corporation was a .UN investment. Premium Brands Holdings Corporation was known under Premium Brands Income Fund. The company had change into a corporation and they still pay a pretty good dividend. This means that there is still hope. There’s hope that my other .UN investments transform themselves into a corporation. If I am lucky enough, once the transformation will be completed, those companies will continue to pay a high quality dividend.

I just cannot wait to purchase 200 stocks of Premium Brands Holdings Corporation! The investment will bring my annual dividend income to an extraordinary 3 390.03$ (282.50$ per month). I am very close to the 300$ per month!!! I really begin to believe that I am going to be able to make it, no matter what! :)

What’s going on? Steve Martin is about to leave Creststreet Asset Management Ltd.

Fellow readers know my admiration for Steve Martin and the extraordinary Creststreet Alternative Energy Fund. What Robert Toole had done to Steve Martin in order to make him leave his firm? It’s seem to be a mystery. This sound so like when Jean-François Tardif left the firm of a guy name Eric Sprott… Might be some s*** going on, that for sure. And now, time for investors to show their support and sell Creststreet Alternative Energy Fund. Why? Because I am pretty sure that Robert Toole or someone from Creststreet Asset Management Ltd. might had done something to Steve Martin.

Steve Martin was managing the Creststreet Alternative Energy Fund for quite some time and his profile wasn’t from the Creststreet Asset Management Ltd Web site. A few months ago only, Steve Martin profile had been add to Creststreet Asset Management Ltd Web site. I notice that and of course, I write down the ino right here on my very own blog. So now, let’s all support Steve Martin and sell the Creststreet Alternative Energy Fund because Steve Martin was the “guy” behind Creststreet Alternative Energy Fund success. I just hope Steve Martin won’t go work for Sprott Asset Management. That would be very horrible... Jean-François Tardif and Steve Martin should get together and open their own investment firm. That's a real good idea!

Seem like I am not the only one who got laid off recently! Coincidence? No! It's destiny! lol.

Let's get physical with Eric Sprott: the Sprott Physical Gold Trust

I know, the title of this post is just so hilarious! Taught that I was going to lay down in depression after getting laid off from XXX? Well, surprise, my sense of humor just got deeper, cleaner and... deeper. Before talking about XXX, let's get a bit closer to Eric Sprott... not to say it again.... let's get physical with Eric Sprott... lol!!!

Ok, so that dear Eric Sprott of mine just copy one of his very own competitors (Claymore Investments Inc. not to name them) and instead of focusing on his Sprott Canadian Equity Fund, well, the guy - let's name him again - Eric Sprott – well, Eric Sprott decide to take advantage of small people - once again - and then, the guy - Eric Sprott (again, and again and again lol...) decide to start a new thing. Just like I am moving on from XXX and starting something new, seem like Eric Sprott moving forward himself too. Eric Sprott and his team got deeper and deeper into gold, and I believe someone might had told Eric Sprott: let’s do it like Claymore Investments Inc. – just like I am trying to “do it” like Derek Foster lol. And there we go, here come a brand new financial product: Sprott Physical Gold Trust. Sprott and Physical, are just 2 words that match very well together lol.

Well, I have to say, Eric Sprott is somewhat brilliant. Gold is his thing and at 10$ per unit, I would very much to get in into his new thing, but now that I got laid off from XXX, its going to be difficult, but I like things like that, I like it when its difficult.. And my relation, physical or not, with Eric Sprott is difficult. Also. lol :)

For more info, you can read my previous post about Eric Sprott: Derek Foster vs Eric Sprott: who's the best investor?

The Dividend Girl on HubPages

I had been an active on HubPages since last summer. Since that time, I had wrote 50 articles on HubPages. Those HubPages articles greatly help to increase my Google AdSense profit. In my latest article, I describe my journey for financial freedom:How to win big on the stock market: learn and earn big from my stock investing methods

I had wrote a couple of finance-related articles on HubPages. Here they are:
Make money from penny stocks trading with Timothy Sykes
Make money from quick and easy trading: penny stocks
Is it a good time to invest in the stock market?
Consolidate debts: use credit card balance transfer for your own interest
Horror stories with financial advisors
The power of a dividend reinvestment plan (DRIP) on an investment portfolio
Credit card or credit line: which one should you choose?

My precious saving money tips:
My best saving tips that can help you save money

Do I like the guy or not? A little something more about… Derek Foster:
Stop Working: learn how you can with Derek Foster

Another retired-early dude:

Retirement made easy with Ernie Zelinski

About financial criminals: Bertram Earl Jones and Stevens Demers:
The mystery surrounding Bertram Earl Jones: another financial scandal?
The mystery surrounding Bertram Earl Jones: another financial scandal? Part 2
Stevens Demers author of a financial crime of $10 million

He’s not a criminal yet, but he’s a bastard:
From hockey player bastard to superficial pop singer: portrait of Jonathan Roy

Like Tim Hortons? Me too:

Tim Hortons, best Canadian coffee getting exported to New York City

If you like indie music, I strongly suggest the following articles:

Punk rock band The Measure (Strictly Analog)

Meet The Defending Champions, underground indie band

Meet The Botticellis, indie band of San Francisco

Karolina Stenström alias Steso Songs, magical artist from Sweden

Sneakers and Soul: Upcoming indie film

Proud Simon, Americana US band

The Music from the heart of Peter Broderick

Palmyra, indie-rock band from Brooklyn

They are pale, they are young, they are gentlemen: the Pale Young Gentlemen

Noble Three, underground indie pop sensation with a lot of vibe

Mathias Hatleskog Tjønn from Olso Norway to New York City

Indie red hair beauty Lindsay Katt debut album Picking Out Boxes

Béatrice Martin alias Cœur de Pirate: underground indie artist

The Honey of Brooke Waggoner: Heal for the Honey, first album

A Canadian icon, Shania Twain:

Shania Twain to be judge on American Idol

Because recession also hurt celebrities:

Pamela Anderson getting a taste of recession: construction debts hunting sweet scarlet

An article about Canadian writer Natalie McLennan:

From top New York escort girl to writer: the story of Natalie McLennan

Writer Nelly Arcan RIP:

Isabelle Fortier alias Nelly Arcan (1973-2009)

Portrait of journalist Nadia Fezzani:

Portrait of a journalist specialized in serial crimes and serial killers: Nadia Fezzani

I like Julie Payette:

Julie Payette: first Canadian female astronaut

A sport icon, Arturo Gatti:

Boxing legend Arturo Gatti (1972-2009)

And of course, more to come...

Talking about beating the steel when its hot...

Today was quite a busy day! I move on with the « ping-pong » thing of mine. So I went to RBC, make a cash advance of 1 000$. But sign a cheque, the one with the promotional offer of 3.9% for 8 month for the amount of 1 400$. I didn’t have my RBC Visa card with me, so I could only withdraw 1 000$ on the spot. The teller was kind enough to take the 1 400$ cheque as deposit anyway. So tomorrow I will be able to withdraw 400$, and make a depost on my line of credit. And save on the interest money. Little saving is better than no saving at all. I took the decision to handle some debts, so now I have to deal with it.

I begin my day this way…. After I went to work. I couldn’ wait or the shift to end because I had a fee things I wanted to do. I have more than 10 000$ that I can invest in my RSP for 2009. I want to make the maximum contribution. Even if my job at the bank is not super, I wanted to take a loan with them for my RSP. The loan on itself is pretty good : no payments are required for the first 3 months. Which is very awesome. I might had an income of a bit more than 40 000$ for the fiscal year of 2009. I really need to invest the max that I can into my RSP – I really cannot afford paying extra taxes this year! So I call RBC about something I wanted to do, not a RSP loan, but my call was about turning into RSP a mutual funds I had with them, the RBC O'Shaughnessy Canadian Equity Fund. Currently, my parts of RBC O'Shaughnessy Canadian Equity Fund are invested into my Tax-Free Savings Account (TFSA). So I call 2 times because the first represnetative told me she couldn’t perform the operaion and I didn’t understand why, the line was cracking from my end. I first call on my break in the afternoon. I gave it a second try later on in the evening, but the answer was unfortunately the same. One possibility would had been to sell my parts of RBC O'Shaughnessy Canadian Equity Fund that I hold in the TFSA and invest the money into my RSP under another mutual funds, but I was not willing to do so. So everything remain the same for now regarding the investment I hold with RBC. Great lol. And now what?

Well, after that, I decide to give TD Waterhouse a call. I explain I wanted to take the Sprott Canadian Equity Fund I have and that I wanted to transform the really same investment into the TFSA account, which its where I currently hold the fantastic Creststreet Alternative Energy Fund. I first ask if I will get any taxes to pay on this, if the move was considered as a sell. The anwer was yes, like I was told before lol. But… Remember that I first invested something like 7 000$ into the Sprott Canadian Equity Fund and that now the investment currently worth less than 5 000$? I would had pay taxes if it would had been the opposite that would had happen. If I would had made money from the investment, I would had pay taxes for moving the investment from a non-register status to a register status. This doesn’t make any sense for me since its not really a sell since I do not cash out the investment, its just a change in the status. But I do not try to understand anymore because finance world just doesn’t make any sense. Anyhow, by tomorrow, my units of the Sprott Canadian Equity Fund will be from my TFSA, among with Creststreet Alternative Energy Fund.

My goal is to evenually sold the Sprott Canadian Equity Fund once it will reach its initial value of 7 000$. When my investment will reach the old 7 000$, guess what will happen? I WILL SELL SPROTT CANADIAN EQUITY FUND. FOREVER. lol…. A 2 000$ lost in my investment portfolio because of Eric Sprott? No no no. NEVER AGAIN. End of the discussion. Let's move on.

So as you can see, today was quite busy and the day is not over yet…. And I have planty of things to say…

Just a few announcements before going to bed

I didn’t have the chance to take a look at my purchase order for 100 units of Pengrowth Energy Trust (PGF.UN). I couldn’t wait to be back from work. My order went through at 11.14$ for 100 units of Pengrowth Energy Trust (PGF.UN). I now own 106 units of Pengrowth Energy Trust (PGF.UN).

I also received my dividend from Bell Aliant Regional Communications Income Fund (BA.UN). I didn’t received any extra new unit, but I had received the whole 24.17$ in cash, which I deposit on my credit line.

Good news! I have a whole week off of my daytime job next week! It’s going to be awesome. I have off tomorrow from my evening job at the bank. But I have so much things to do! It’s frustrating because I want to do everything I have in mind… But on the other side, I would just to do nothing at all… Anyway, next week, I will only be working at the bank if, of course, I do not get laid off in the meantime… What a life…

The Ping-Pong effect: the other way to manage your credit cards balance transfer

Wonder what I mean by the “ping-pong effect”? It’s sort of a credit card debt advice that I never read ANYWHERE.

Before getting in the deep of the ping-pong effect theory, I want to overview my debt situation. Paying debts had never really become one of my top priorities as I prefer to take my money and invest. But I try to keep a decent balance between the two. I have in debt what I can afford. I do not want to have a too tight budget. The best, of course, would be to have to debts at all. But did you know that having debts can actually help the economy? The trick is not to have too much debt and to have debt that you can afford. And also, the interest rate shouldn’t be too high. So there are important points to consider before opening a credit line, credit card or a loan. For now, my rule is simple, I do not want to get much more debts than what I have right now.

Here’s my debt management situation:

Line of credit #1: 4 831.44$ at 8%: yearly interest = 386.52$
Line of credit #2: 4 899.59$ at 3.5%: yearly interest = 171.49$
CIBC Visa: 3 086.91 at 3.9%: yearly interest = 120.39$
Student loan debt: 8 593.74 at 4.75%: yearly interest = 408.21$
Total of debts: 21 411.68$
Total of yearly interest: 1 086.60$

Having 21 411.68$ in debts could be seen enormous, but it’s truly not, and I am going to explain why I keep investing instead of paying debts. 8%, 3.5%, 3.9% and 4.75% are low interest rates. My next investment of tomorrow morning will bring my yearly dividend income to 3 154.83$. Remember? lol.

Let’s calculate:

my yearly dividend income – my yearly interest rate coming form current debts:

3 154.83$ - 1 086.60$ = 2 068.23$.

Now we are in business.

How am I going to benefit from CIBC Visa offer?

My CIBC Visa limit is of 5 000$. I already have 3 089.91$ on it. Which mean that I only have around 1 400$ available. 1 400$ at 3.9% interest for 8 months… How about that?

I am planning to make a 1 400$ payment on my TD credit line, which is at 8%. How am I going to make the payment? Credit card balance transfer won’t work in this case because I am planning to make a payment of 1 400$ on my credit line. This is exactly where the ping-pong effect comes in action.

I am going to make a cash advance of 1 400$ on my RBC Visa. Immediately after, I am going to pay RBC Visa using a promotional cheque coming from CIBC Visa. I won’t own anything to RBC Visa, except a 1.50$ for the cash advance (which I am going to pay right away too). With 1 400$ in my pocket, I will visit a TD branch and deposit 1 400$ on my TD credit line. And voilà.

This payment will reduce my TD credit line at 3 431.44$, for a yearly interest rate of 274.52$. The complete scheme:

Line of credit #1: 3 431.44$$ at 8%: yearly interest = 274.52$
Line of credit #2: 4 899.59$ at 3.5%: yearly interest = 171.49$
CIBC Visa: 4486.91 at 3.9%: yearly interest = 175$
Student loan debt: 8 593.74 at 4.75%: yearly interest = 408.21$
Total of debts: 21 411.68$
Total of yearly interest: 1 029.22$

1 086.60$ - 1 029.22$ = 57.38$ in savings!
Conclusion: lower interest rates = more money in your pocket!

I calculate the amount on a yearly interest rate. Of course, the CIBC Visa 3.9% interest rate is for 8 months only, not one year. But I got special offer for credit card on a regular basis, so I don’t worry too much about what’s going to happen in 8 months from now. As you can see, credit cards balance transfer is part of my debt management plan. The 3.9% interest rate coming from CIBC Visa might be one of the best interest rate for credit cards balance transfer on the market.

This is the reason why I like to have multiple credit cards. If you are willing to have multiple credit cards because you don’t have any yet and you want to do like me lol, be careful; do not open new credit cards at the same time: it will badly affect your credit. I own most of my credit card since 2004 or around that year. Most important part to remain a good level of credit score: make the minimum payment required on time. On that purpose, I recommend to apply for a pre-authorize debit for the minimum require each month. That way, you are being protected if you forget to make a payment. This is being credit smart.

My life goes on, laid off or not

Good news I didn’t got laid off from my job at the bank. But it could eventually happen, they make it clear, with no kind matters. I have a 6 months probation like everyone else (investor or not: they don’t give a damn) you know. Anyway, I don’t want to get too much into the deep because I really have enough of this work problem. But I didn’t’ get laid off this week, but it could be next week... Got the picture? Anyhow, I have much better things to write about for now! I have anyway a second job I can rely on, so I am not that stress. And I don’t like to spend too much time on the negative stuff. I am off today and tomorrow, my life is not just about work, it’s also about investing…

And talking about investing, I have some massive project among the way! To begin, I had received some dividend income in the last couple of days. I had received 42.47$ from Just Energy Income Fund (JE.UN), 28.01$ from Yellow Pages Income Fund (YLO.UN), 52.91$ from Pembina Pipeline Income Fund (PIF.UN), 42 cents from Pengrowth Energy Trust (PGF.UN) and 28.80$ from Enbridge Income Fund (ENF.UN). I earn some extra units among the way because of the DRIP. Which I am pretty please with. So far for the month of January, I earn 157.61$ in dividend passive income! Kind of nice. And keep reading, because we are looking to increase our dividend passive income in the next couple of months.

Thinking about my next stock investments

I have an extra 1 400$ lying on my banking account doing nothing at all. I had been thinking about investing in an extra 100 stocks of Corby Distilleries Limited (CDL.A) so I can benefit of an eventual DRIP, but I have to say, I had been closely watching an old familiar investment of mine: Pengrowth Energy Trust (PGF.UN). Pengrowth Energy Trust (PGF.UN) had been doing quite well recently. Currently, I still own 6 units of PGF.UN. I once hold more than 500 units of this marvelous. The 6 units left were coming from a DRIP that came after my units had been sold… I call those left-overs. Back in the time, I had sold Pengrowth Energy Trust (PGF.UN) when the company declared its second dividend cut in less than a year. Yes, recession hurt, but it doesn’t have to hurt my dividend income. So what I did? I decide to sell all the units I own of Pengrowth Energy Trust (PGF.UN). I reinvest the money in some not stock investments, but in units of Just Energy Income Fund (JE.UN) and Pembina Pipeline Income Fund (PIF.UN).

Welcome back Pengrowth Energy Trust (PGF.UN): looking forward to invest in 100 units of Pengrowth Energy Trust (PGF.UN)

I am investing in Pengrowth Energy Trust (PGF.UN) because I believe that really shortly, Pengrowth Energy Trust (PGF.UN) will be worthing 12$ per unit. And see, I want to be in when its going to happen, no matter if I am going get laid off or not.

I really have to calm down on what I call .UN investment for the only and good reason that they are .UN investment and legislation will soon change everything. I had been told and re-told about the income trusts situation. Derek Foster had been kind enough to warn his readers about the income trusts in his newsletter of December 2009: Income Trusts (Booms or Busts)?

But there’s no real warning, no one can really predict on how the stock market will react to the change – even Derek Foster – and even me lol. But that will only be in 2011.

As a small investor, the difficulty for me comes from the fact that regular stocks are expensive. At this point of my journey, all I want to do is to extend my portfolio and earn more from juicy dividend payers. Will I be able to make it? I don’t know, but I had a lot of fun among the way…

Passive income: yearly dividend income in review

A new investment = new dividend… Let’s refresh the calculation of our yearly dividend income:

Sprott Inc. (SII): 505 stocks x 0.10$ + (let’s suppose Sprott Inc. will provide a special dividend like last year) = 126.25$
Bank of Nova Scotia (BNS): 104 stocks x 1.96$ = 203.84$
Methanex Corporation (MX): 103 stocks x 0.62$ = 63.86$
Fortis (FTS): 104 stocks x 1.12$ = 116.48$
Pembina Pipeline Income Fund (PIF.UN): 410 units x 1.56$ = 639.60$
Just Energy Income Fund (JE.UN): 414 stocks x 1.24$ + the 2010 special dividend =
596.16$
Yellow Pages Income Fund (YLO.UN): 425 units x 0.804$ = 341.70$
Bell Aliant Regional Communications Income Fund (BA.UN): 100 units x 2.904$ = 290.40$
Pengrowth Energy Trust (PGF.UN): 106 units x 0.84$ = 89.04$
Enbridge Income Fund (ENF.UN): 302 units x 1.152$ = 347.90$
Corby Distilleries (CDL.A): 100 stocks x 0.56$ = 56$
Davis + Henderson Income Fund (DHF.UN): 100 units x 1.836$ = 183.60$
+ let’s add 100$, supposing the DRIP system will provide an extra income of 100$
= 3 154.83$

I would very much to see the amount double and be able to – if not retire early – being able to pay my rent on dividend income will be awesome. I am a genius :)

Yellow Pages Income Fund (YLO.UN) dividends for the month of January are in!

I just notice previously today while I was calculating my overall value! WOW! It’s really not that much – I actually received 27.72$ in dividend income this month coming from Yellow Pages Income Fund (YLO.UN). I am not even sure of the amount I had received because I didn’t write it down. Fact is, TD Waterhouse is currently available because of their famous Saturday night maintenance… Yeah, it’s Saturday night, I am in front of my laptop counting my money lol.

I am at a value of 66 410.15$ and I like to invest like never before. This is pretty cool. I like to see my portfolio growing, even of just a few stocks or units each time.

I just cannot sleep – maybe because of my tea – probably… So I am just going to go through a couple of boring things to pass time… My budget! After that, I might be able to go to sleep…

Rent: 545$
Internet: 34$
Metro pass: 75$
Student loan: 100$
Minimum debts payment: 320$
Food: 200$
Minimum require: 1 274$

At this time, by working only at one job, I will be able to make it. But 200$ on food is not that much… So I will have to say no-no to goodies and coffee and junk food… I am pretty good to manage my expenses. The only problem is that when I go for a walk, I like to stop by and buy a coffee. But I guess I won’t be able to do this anymore. So far, I had been able to save a lot of money with little efforts. But now, efforts are needed since I may lose one of my jobs. So good news, I can manage my budget and make a living anyway. It’s just that the 100 000$ goal will have to wait… And if something really bad happen, I will just cash in my dividend income. It will make an extra 250$ as extra money.

Good night….

Quebeckers have no work ethic

This week had been quite awful at my new job. I kind of received a first and last notice the kind of those who mean you-have-to-improve-or-you-are-fired. My direct supervisor is one of those poor bitch. She doesn’t give a damn about the good feedback I had received so far from customers. It’s seem like it doesn’t mean anything to her. She wants more sales, shorter calls. I done a very bad mistake. I guess its all start from there. At this point, I shouldn’t do mistakes and my calls are supposed to be shorters and I have to be more quick. But the worst happen when she asked questions regarding my background, the job I had been into before, why I had left them, what happen and so on. She doesn’t have the right to ask me such questions. I had been hired, I went to 2 interviews and I had been asked some questions, I had provided some references. My criminal record had been checked also. I am clean. I am an honest person, hard worker. The questions she asked about my employers and so on were not appropriate and I am going to report this on Monday morning. Like you can see, I have a lot to do. But I want to act now and do something about it now. And I want to report this situation to their highest authorithy.

I had been told by my supervisor that the situation was going on since the integration period. Like wow! How come no one ever talk to me about it? And than she goes and said: No one told you? Like dahhhh NO. Whatever! So now am I like on a last minute thing to fix myself up lol. But we cannot fix something that’s already broken, right? lol... So just get out of my way. I am an investor after all, I don’t want to spend too much of my precious time around some dumb ass. Like come on! I don’t want to spend my entire life here in Quebec province anyway. Could it be a good time to move? I don’t know. I will see more on Monday. I guess my supervisor would very much like it if I would just quite the job. But I won’t, just to piss her off. And if it happens I got fired, it’s going to be pretty messy. You want to mess up with me, I am going to mess up with you – I am going to be a bit more than just a pain in the ass lol. I am going to be your worst nightmare… Pretty funny isn’t?

At that bank job, they really do have their little favorites. Like one co-worker of mine – we had started at the same time – was able to change her work schedule into a day time shift! I never had been able to get the shift I wanted since the beginning. AND I AM AN INVESTOR.

I won’t accept anything like this coming from my supervisor. But knowing she’s a Quebecker, should I be surprise? For her, I am really slow, and she told me the following: I had 20 years experience in call center; it’s hard to imagine that you had been working in a call center before and so on. I had been doing sales, but not as much as she wants. I try to handle calls quickly, but sometimes, its just doesn’t make it. She told me she was disappointed, that I wasn’t going to be successful and so on. And she finally end the conversation by saying that this upcoming week was going to be one where she will see if I continue or not. This is how Quebeckers are: stupid. Their behavior reflects their intelligence: very poor. So I am going to report the situation to the human resources (who could be Quebeckers too lol). And my supervisor also told me I had to change my behavior, but I have a good behavior at work. So now what? I am going to deal with those poor Quebeckers.

It’s like my supervisor want to make me loose my self-esteem. I guess she wanted to make me cry. But I didn’t cry. I find her way very mean. And I am going to fight back.

I might be one of the greatest small investor out there and this is how me, Sunny from My first 50 000$ I am being treated by Quebeckers. Please take note. Anyhow, my investment portfolio is doing very well. Even if I loose my job at the bank, I will be able to survive on one job and I may cash out the dividend I am currently earning instead of having them reinvested in the DRIP. I will be able to make it after all. I might stand on bread and peanut butter for a little while. This is just what I need: dieting. I need to loose a good 20 pounds. Voila… seem like I am going to loose that baby fat of mine after all lol.

I am having a hard time, but I keep thinking about people in Haiti. I am very devastated and sad to see what happen in Haiti. We see that beautiful pure blue sea, but all around, the country is devastated. Horrible. May we just pray from them.