Today, the TSX gain some valuable points. Just Energy Income Fund (JE.UN) had exceed the 14$ per unit. My recent investment in EnCana Corporation (ECA) had gained a bit of value, my Davis + Henderson Income Fund (DHF.UN) units had exceed the 18$ per unit etc… All very good news overall! And here am I, at a very nice 98 379.26$ in investment value! I could make another investment – I actually have 1 620.74$ available on one of my credit line. I am very almost there but in the same time, I want to keep it safe – remember I have around 8 000$ I have to pay off on January (reason being that the special rate offer on a credit card balance transfer expired on January). Tomorrow, I will be making extra deposits on my TD credit line and once done, I will only have 720$ left to pay off. I really prefer to proceed this way. There’s still overtime available at work so I am really looking forward to do some and do my best to off my TD credit line at 5 000$ limit. After what, I would like to reach the 100 000$ in assets. October would be the perfect month for that.
Thursday, September 2, 2010
My investment portfolio in date of September 1, 2010
Savings:
1 000$
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 2 013.65$
Timminco (TIM): 81$
Blue Note Mining (BNT): 38$
Bank of Nova Scotia (BNS): 5 483.75$
Hanwei Energy Services (HE): 126$
Methanex Corporation (MX): 2 428.74$
Fortis (FTS): 3 180$
Pembina Pipeline Income Fund (PIF.UN):
8 235.81$
Just Energy Income Fund (JE.UN): 10 501.92$
Yellow Pages Income Fund (YLO.UN):
2 366$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 548$
Pengrowth Energy Trust (PGF.UN): 2 173.60$
Enbridge Income Fund (ENF.UN): 4 724.20$
Corby Distilleries Limited (CDL.A): 3 040$
Davis + Henderson Income Fund (DHF.UN):
1 850$
Premium Brands Holdings Corporation (PBH):
2 624$
EnCana Corporation (ECA): 5 922$
Cash: 0.47$
TOTAL: 57 337.14$
Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 669.53$
The Consumers’ Waterheater Income Fund
(CWI.UN): 1 965.24$
Sprott Canadian Equity Fund:
5 395.34$
Dumont Nickel Inc. (DNI): 345$
Cash: 63.81$
TOTAL: 10 438.92$
RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 3 799.12$
EnCana Corporation (ECA): 2 961$
Emera Incorporated (EMA): 5 583.48$
Cash: 38.08$
CIBC Dividend Growth Fund: 506.09$
CIBC Emerging Markets Index Fund: 424.83$
CIBC Monthly Income Fund: 997.24$
Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$
GIC National Bank: 1 192.64$
GIC Plus: 500$
TD Canadian Bond: 118.06$
TD Monthly Income: 104.98$
TD Emerging Markets: 83.51$
TD Energy: 78.55$
TD Precious Metals: 121.94$
TD Latin American Growth: 95.82$
TD Entertainment and Communications: 105.19$
TD Dividend Growth: 193.23$
TD U.S. Mid-Cap Growth: 96.61$
Maritime Life International Equity Fund
(Templeton): 615.47$
Manulife Simplicity Growth Portfolio: 844.51$
Maritime Life CI Harbour Seg Fund: 973.78$
Maritime Life Fidelity True North Seg Fund: 958.44$
Maritime Life Trimark Europlus Seg Fund: 592.75$
Great-West – various: 1 753.62$
RBC Canadian Dividend Fund: 511.52$
RBC U.S. Mid-Cap Equity Fund C$: 1 712.36$
RBC Global Resources Fund: 849.01$
RBC O’Shaughnessy International Equity Fund:
591.04$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 039.25$
GIC Canadian Market: 1 000$
TOTAL: 29 447.64$
Social Capital at Desjardins Membership share
for 3 accounts: 40$
Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(115.56$):
98 379.26$
1 000$
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 2 013.65$
Timminco (TIM): 81$
Blue Note Mining (BNT): 38$
Bank of Nova Scotia (BNS): 5 483.75$
Hanwei Energy Services (HE): 126$
Methanex Corporation (MX): 2 428.74$
Fortis (FTS): 3 180$
Pembina Pipeline Income Fund (PIF.UN):
8 235.81$
Just Energy Income Fund (JE.UN): 10 501.92$
Yellow Pages Income Fund (YLO.UN):
2 366$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 548$
Pengrowth Energy Trust (PGF.UN): 2 173.60$
Enbridge Income Fund (ENF.UN): 4 724.20$
Corby Distilleries Limited (CDL.A): 3 040$
Davis + Henderson Income Fund (DHF.UN):
1 850$
Premium Brands Holdings Corporation (PBH):
2 624$
EnCana Corporation (ECA): 5 922$
Cash: 0.47$
TOTAL: 57 337.14$
Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 669.53$
The Consumers’ Waterheater Income Fund
(CWI.UN): 1 965.24$
Sprott Canadian Equity Fund:
5 395.34$
Dumont Nickel Inc. (DNI): 345$
Cash: 63.81$
TOTAL: 10 438.92$
RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 3 799.12$
EnCana Corporation (ECA): 2 961$
Emera Incorporated (EMA): 5 583.48$
Cash: 38.08$
CIBC Dividend Growth Fund: 506.09$
CIBC Emerging Markets Index Fund: 424.83$
CIBC Monthly Income Fund: 997.24$
Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$
GIC National Bank: 1 192.64$
GIC Plus: 500$
TD Canadian Bond: 118.06$
TD Monthly Income: 104.98$
TD Emerging Markets: 83.51$
TD Energy: 78.55$
TD Precious Metals: 121.94$
TD Latin American Growth: 95.82$
TD Entertainment and Communications: 105.19$
TD Dividend Growth: 193.23$
TD U.S. Mid-Cap Growth: 96.61$
Maritime Life International Equity Fund
(Templeton): 615.47$
Manulife Simplicity Growth Portfolio: 844.51$
Maritime Life CI Harbour Seg Fund: 973.78$
Maritime Life Fidelity True North Seg Fund: 958.44$
Maritime Life Trimark Europlus Seg Fund: 592.75$
Great-West – various: 1 753.62$
RBC Canadian Dividend Fund: 511.52$
RBC U.S. Mid-Cap Equity Fund C$: 1 712.36$
RBC Global Resources Fund: 849.01$
RBC O’Shaughnessy International Equity Fund:
591.04$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 039.25$
GIC Canadian Market: 1 000$
TOTAL: 29 447.64$
Social Capital at Desjardins Membership share
for 3 accounts: 40$
Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(115.56$):
98 379.26$
Wednesday, September 1, 2010
It's been a busy month in August
I was quite happy with the investment I made today in EnCana Corporation. By the end of the month, my TD credit line will be paid off by the end of the month. After, I will be around 40 000$ in debt. I know, this amount of debt is enormous but I am taking the entire responsibility for those debts, it was my choice to borrow money to invest and I don’t regret anything.
At this point, my portfolio is dense. I still have a few other things I want to add in, like 100 new units of Davis + Henderson Income Fund (DHF.UN), as well as 100 new units of Bell Aliant Regional Communications Income Fund (BA.UN). But those 2 investments can wait, as well as the 100 000$ assets goal because I want to decrease my debt level to the same amount as before, which was of around 37 000$. Having 37 000$ in debt is more reasonable than 40 000$. It could be dangerous, at some point, to add more in debt. The month of August had been quite busy, but the month of September is going to be much more relax as I want to completely pay my TD credit line by beginning October, the latest.
Also, I received today CWI.UN dividend, 22.03$ who had bring in 4 extra new units.
At this point, my portfolio is dense. I still have a few other things I want to add in, like 100 new units of Davis + Henderson Income Fund (DHF.UN), as well as 100 new units of Bell Aliant Regional Communications Income Fund (BA.UN). But those 2 investments can wait, as well as the 100 000$ assets goal because I want to decrease my debt level to the same amount as before, which was of around 37 000$. Having 37 000$ in debt is more reasonable than 40 000$. It could be dangerous, at some point, to add more in debt. The month of August had been quite busy, but the month of September is going to be much more relax as I want to completely pay my TD credit line by beginning October, the latest.
Also, I received today CWI.UN dividend, 22.03$ who had bring in 4 extra new units.
Tuesday, August 31, 2010
I just place a purchase order through my online broker account at TD Waterhouse
This is it! I just made a purchase order for 200 units of EnCana Coporation (ECA)! Go baby go! I got a close to 800$ I can use as payment on my credit line so I am kind of already working at paying my TD credit line. Got to run now, got to go to work.
My purchase order had been completed at 9:30am, 200 stocks of EnCana Corporation (ECA) at 29.44$. Great deal. Hope it close at a higher price today. That would be nice. My non registered stocks and units investment portfolio is now at 56 486.55$. That's hot. And it's going to be quite today in Montreal.
Bye for now.
Welcome again EnCana Corporation (ECA), 200 new stocks of ECA in my investment portfolio
Today I wake up early, but not early enough to do everything I wanted to do. I did a couple of transactions but I am looking forward to complete everything tomorrow morning. I would like to have more time for myself or at least get a complete one day off but it’s just impossible at this time. It’s only when I am very busy that things are taking a powerful turn.
My investment portfolio is doing better than ever. My non registered stocks and units portfolio is now at a splendid 50 618.55$. I currently had paid off my TD credit line. Once my TD Visa at 4.9% will expired in January, I will use the money of my TD credit line to pay off the currently close to 8 000$ balance I currently hold on the TD Visa. Yeah, I know, I will be missing a 3 000$ to pay it all right but... I currently own an extra 4 262.14$ that I can use for investment purposes… I am thinking of 200 stocks of EnCana Corporation (ECA)… This represent a 6 000$ investment on which I can make an easy 2 000$ profit. I could be wrong – but even the Globe say it – it’s a good time to buy EnCana Corporation (ECA). So I decide to go for it and add 200 stocks of EnCana Corporation in my portfolio. Yeah, I know, the bad girl that I am will be taking a bit on its TD credit line to make the investment but hey, I have to take the money out of somewhere, and it’s definitively not in my banking account that I am going to be able to please myself lol. But I plan to work on paying pack my TD credit line as soon as possible; I wouldn’t like to be too much in deep in debts. At this point, it’s reasonable and I only have the interest to pay on my new RBC credit line so I should be just fine.
This EnCana Corporation (ECA) is going to be one of the last investments of 2010 I guess. If I am lucky enough, I should be able to later on make that investment in Davis + Henderson Income Fund (DHF.UN). The way things are going is quite funny because I had been talking for a long time about these extra 100 units of Davis + Henderson Income Fund (DHF.UN) I wanted to make… but….. Seem like the plan had change! 200 stocks of EnCana Corporation won’t add that much in my dividend earning. But here, I am adding EnCana for its growth potential and you should do the same, if you want a good advice. Everyone free to do whatever they want with their money but passing by this awesome opportunity would be just like too dumb. Of course I could be wrong, but just wait for the good old Canadian winter to come ahead in a few months and you’ll see….. Easy profit, easy money and EnCana Corporation at less than 30$ per stock is just one of those things – you can’t continue without it. This being said, I am getting ready to make my order purchase – this investment should bring my portfolio to somewhere close to the 97 000$...
Am I very close to the 100 000$ in assets or very close to bankruptcy? What do you think? There’s stuff like that who were just mean to be. So go for it! Go purchase some EnCana Corporation stocks now and if you don’t have any money left, no problem – just do like me – open a credit line with RBC Royal Bank and don’t worry about anything ok. :0)
My investment portfolio is doing better than ever. My non registered stocks and units portfolio is now at a splendid 50 618.55$. I currently had paid off my TD credit line. Once my TD Visa at 4.9% will expired in January, I will use the money of my TD credit line to pay off the currently close to 8 000$ balance I currently hold on the TD Visa. Yeah, I know, I will be missing a 3 000$ to pay it all right but... I currently own an extra 4 262.14$ that I can use for investment purposes… I am thinking of 200 stocks of EnCana Corporation (ECA)… This represent a 6 000$ investment on which I can make an easy 2 000$ profit. I could be wrong – but even the Globe say it – it’s a good time to buy EnCana Corporation (ECA). So I decide to go for it and add 200 stocks of EnCana Corporation in my portfolio. Yeah, I know, the bad girl that I am will be taking a bit on its TD credit line to make the investment but hey, I have to take the money out of somewhere, and it’s definitively not in my banking account that I am going to be able to please myself lol. But I plan to work on paying pack my TD credit line as soon as possible; I wouldn’t like to be too much in deep in debts. At this point, it’s reasonable and I only have the interest to pay on my new RBC credit line so I should be just fine.
This EnCana Corporation (ECA) is going to be one of the last investments of 2010 I guess. If I am lucky enough, I should be able to later on make that investment in Davis + Henderson Income Fund (DHF.UN). The way things are going is quite funny because I had been talking for a long time about these extra 100 units of Davis + Henderson Income Fund (DHF.UN) I wanted to make… but….. Seem like the plan had change! 200 stocks of EnCana Corporation won’t add that much in my dividend earning. But here, I am adding EnCana for its growth potential and you should do the same, if you want a good advice. Everyone free to do whatever they want with their money but passing by this awesome opportunity would be just like too dumb. Of course I could be wrong, but just wait for the good old Canadian winter to come ahead in a few months and you’ll see….. Easy profit, easy money and EnCana Corporation at less than 30$ per stock is just one of those things – you can’t continue without it. This being said, I am getting ready to make my order purchase – this investment should bring my portfolio to somewhere close to the 97 000$...
Am I very close to the 100 000$ in assets or very close to bankruptcy? What do you think? There’s stuff like that who were just mean to be. So go for it! Go purchase some EnCana Corporation stocks now and if you don’t have any money left, no problem – just do like me – open a credit line with RBC Royal Bank and don’t worry about anything ok. :0)
Monday, August 30, 2010
I am now thirty, show me the cash
I knew I was gaining some points on August 27, but I never taught I was going to exceed the 90 000. On date of August 27, 2010 (which was my birthday) I reached 91 007.42$ in assets. At this point, the overall is getting even more interesting. Better than ever actually! And this had happened on the day of my 30 birthday. My new credit line at an interest rate of 7.27% is now from my RBC banking account and I am looking forward to make a couple of transactions, I hope for tomorrow morning:
-pay off my CIBC Visa (the credit card balance on my 1 200$ balance is expiring on September 6);
-My credit card balance transfer of 8 000$ at an interest rate of 4.9% at TD is only expiring in January 2010. In the meantime, I can use the money to pay off my TD credit card. The interest rate on my TD credit line is at 8.25%. I will save a 0.98% in interest rate. Nothing much but sill, a penny saves is a penny save.
After those 2 transaction, I will have left 3 800$ available. I was thinking about investing in 100 stocks of EnCana Corporation (ECA). At this time, EnCana Corporation is at a super low price (around 29$). Usually, ECA is at 35$. EnCana represents a great opportunity and I think I may be able to make a nice profit out of this one. Later on this month, I am hoping for an investment of 100 units in Davis + Henderson Income Fund (DHF.UN).
My projects are going on quit great. Still overtime available at work and I am hoping for another close to 1 000$ paycheck for next week. Just a bit tired for now because a lot had happened at the same time and I am just happy that I had been able to update my portfolio (I knew I was up!) and also clean my place, which really need it. I am just missing my laundry but its already pass midnight and I have to wake up early tomorrow (or I will try to…). It’s always hard for me to wake up early on a Monday morning as I am working all weekend long, but still those annoying things to do like cleaning and stuff. As I am getting older, I prefer my place to be clean. Might be a sign of what so ever maturity. And I also now prefer to wear clean clothes everyday... ;)
Good night, my bed is waiting for me.
-pay off my CIBC Visa (the credit card balance on my 1 200$ balance is expiring on September 6);
-My credit card balance transfer of 8 000$ at an interest rate of 4.9% at TD is only expiring in January 2010. In the meantime, I can use the money to pay off my TD credit card. The interest rate on my TD credit line is at 8.25%. I will save a 0.98% in interest rate. Nothing much but sill, a penny saves is a penny save.
After those 2 transaction, I will have left 3 800$ available. I was thinking about investing in 100 stocks of EnCana Corporation (ECA). At this time, EnCana Corporation is at a super low price (around 29$). Usually, ECA is at 35$. EnCana represents a great opportunity and I think I may be able to make a nice profit out of this one. Later on this month, I am hoping for an investment of 100 units in Davis + Henderson Income Fund (DHF.UN).
My projects are going on quit great. Still overtime available at work and I am hoping for another close to 1 000$ paycheck for next week. Just a bit tired for now because a lot had happened at the same time and I am just happy that I had been able to update my portfolio (I knew I was up!) and also clean my place, which really need it. I am just missing my laundry but its already pass midnight and I have to wake up early tomorrow (or I will try to…). It’s always hard for me to wake up early on a Monday morning as I am working all weekend long, but still those annoying things to do like cleaning and stuff. As I am getting older, I prefer my place to be clean. Might be a sign of what so ever maturity. And I also now prefer to wear clean clothes everyday... ;)
Good night, my bed is waiting for me.
My stock investment portfolio in date of August 27, 2010
Savings:
1 000$
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 1 982.75$
Timminco (TIM): 81$
Blue Note Mining (BNT): 36$
Bank of Nova Scotia (BNS): 5 567.21$
Hanwei Energy Services (HE): 121.50$
Methanex Corporation (MX): 2 239.22$
Fortis (FTS): 3 085.66$
Pembina Pipeline Income Fund (PIF.UN):
8 142.75$
Just Energy Income Fund (JE.UN): 10 247.60$
Yellow Pages Income Fund (YLO.UN):
2 347.80$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 521$
Pengrowth Energy Trust (PGF.UN): 2 121.35$
Enbridge Income Fund (ENF.UN): 4 521.96$
Corby Distilleries Limited (CDL.A): 3 048$
Davis + Henderson Income Fund (DHF.UN):
1 831$
Premium Brands Holdings Corporation (PBH):
2 682$
Cash: 0.14$
TOTAL: 50 576.94$
Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 634.22$
The Consumers’ Waterheater Income Fund
(CWI.UN): 1 921.68$
Sprott Canadian Equity Fund:
5 313.48$
Dumont Nickel Inc. (DNI): 359.38$
Cash: 60.78$
TOTAL: 10 289.54$
RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 3 775.46$
EnCana Corporation (ECA): 2 931$
Emera Incorporated (EMA): 5 336.64$
Cash: 38.08$
CIBC Dividend Growth Fund: 500.43$
CIBC Emerging Markets Index Fund: 420.55$
CIBC Monthly Income Fund: 995.71$
Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$
GIC National Bank: 1 192.64$
GIC Plus: 500$
TD Canadian Bond: 117.81$
TD Monthly Income: 103.84$
TD Emerging Markets: 82.23$
TD Energy: 77.54$
TD Precious Metals: 117.96$
TD Latin American Growth: 93.10$
TD Entertainment and Communications: 103.46$
TD Dividend Growth: 188.66$
TD U.S. Mid-Cap Growth: 95.85$
Maritime Life International Equity Fund
(Templeton): 605.44$
Manulife Simplicity Growth Portfolio: 836.46$
Maritime Life CI Harbour Seg Fund: 963.01$
Maritime Life Fidelity True North Seg Fund: 950.63$
Maritime Life Trimark Europlus Seg Fund: 577.17$
Great-West – various: 1 753.62$
RBC Canadian Dividend Fund: 504.82$
RBC U.S. Mid-Cap Equity Fund C$: 1 684$
RBC Global Resources Fund: 831.70$
RBC O’Shaughnessy International Equity Fund:
574.99$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 027.35$
GIC Canadian Market: 1 000$
TOTAL: 28 985.67$
Social Capital at Desjardins Membership share
for 3 accounts: 40$
Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(115.27$):
91 007.42$
1 000$
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 1 982.75$
Timminco (TIM): 81$
Blue Note Mining (BNT): 36$
Bank of Nova Scotia (BNS): 5 567.21$
Hanwei Energy Services (HE): 121.50$
Methanex Corporation (MX): 2 239.22$
Fortis (FTS): 3 085.66$
Pembina Pipeline Income Fund (PIF.UN):
8 142.75$
Just Energy Income Fund (JE.UN): 10 247.60$
Yellow Pages Income Fund (YLO.UN):
2 347.80$
Bell Aliant Regional Communications Income Fund
(BA.UN): 2 521$
Pengrowth Energy Trust (PGF.UN): 2 121.35$
Enbridge Income Fund (ENF.UN): 4 521.96$
Corby Distilleries Limited (CDL.A): 3 048$
Davis + Henderson Income Fund (DHF.UN):
1 831$
Premium Brands Holdings Corporation (PBH):
2 682$
Cash: 0.14$
TOTAL: 50 576.94$
Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 634.22$
The Consumers’ Waterheater Income Fund
(CWI.UN): 1 921.68$
Sprott Canadian Equity Fund:
5 313.48$
Dumont Nickel Inc. (DNI): 359.38$
Cash: 60.78$
TOTAL: 10 289.54$
RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 3 775.46$
EnCana Corporation (ECA): 2 931$
Emera Incorporated (EMA): 5 336.64$
Cash: 38.08$
CIBC Dividend Growth Fund: 500.43$
CIBC Emerging Markets Index Fund: 420.55$
CIBC Monthly Income Fund: 995.71$
Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$
GIC National Bank: 1 192.64$
GIC Plus: 500$
TD Canadian Bond: 117.81$
TD Monthly Income: 103.84$
TD Emerging Markets: 82.23$
TD Energy: 77.54$
TD Precious Metals: 117.96$
TD Latin American Growth: 93.10$
TD Entertainment and Communications: 103.46$
TD Dividend Growth: 188.66$
TD U.S. Mid-Cap Growth: 95.85$
Maritime Life International Equity Fund
(Templeton): 605.44$
Manulife Simplicity Growth Portfolio: 836.46$
Maritime Life CI Harbour Seg Fund: 963.01$
Maritime Life Fidelity True North Seg Fund: 950.63$
Maritime Life Trimark Europlus Seg Fund: 577.17$
Great-West – various: 1 753.62$
RBC Canadian Dividend Fund: 504.82$
RBC U.S. Mid-Cap Equity Fund C$: 1 684$
RBC Global Resources Fund: 831.70$
RBC O’Shaughnessy International Equity Fund:
574.99$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 027.35$
GIC Canadian Market: 1 000$
TOTAL: 28 985.67$
Social Capital at Desjardins Membership share
for 3 accounts: 40$
Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(115.27$):
91 007.42$
Friday, August 27, 2010
I am now 30 years old!
Yeahhhhh happy birthday to meeeeeeee! I am now 30 years old and feeling great! I am witting this post in a hurry because I had to write down something on my birthday! It's been a busy week. I did a few extra hours at my daytime work. I am also working at my weekend job. I am going to a friend concert this Saturday. I am just sooooo tired and I am just feeling like staying home... I had that new credit line at 10 000$ at less than 8% interest rate. This is saving my life. My credit card balance driving were giving me a headache but now, my life is save. Who had save my life? RBC did.
This been that I could use that 10 000$ to make a new investment and than voilà, my 100 000$ would be reached... But I prefer to "play" safe lol.... Which mean that I am going to wait to make new investment. I am not looking to increase my level of debt. My new 10 000$ credit line is not money to invest, its life saver money.
It's seem like the TSX did quite well today so I will be updating my portfolio this weekend. So many things on the way. I just can't believe another month had pass and that I am now 30.... and rich :)
Wednesday, August 25, 2010
Brad Pitt was in Montreal today and I got my credit line!
I hear it on the radio. Brad Pitt had been seen on St Catherine today. Isn’t that hot? But I have even better news: I got approve for my credit line! Yeah! I finally apply for some credit this past Monday and I had been approved for a 10 000$ line of credit at 7.25% on today.
The interest rate is relatively ok. I guess my credit score is medium because I hold many debts and my salary is not quite extremely good, and on top of that, I don’t own my place. So all those things mix all together, it’s making it difficult to get a lower interest rate. At first, I got rejected and I argue, and I finally got it! So this is very good because this way, I am going to be able to pay off the balance on my CIBC credit card. The balance was at a special interest rate due to a credit card balance transfer. The special interest rate at 3.9% is expiring on September 6. This is a balance of something like 1 200$. Not that much, but I certainly do not have the money to pay off the balance at this time. Also in January, I have an 8 000$ at a special interest of something like 4.9% that will expire (also a result of a credit card balance transfer). I was in great need of a solution, so better now than ever.
So now, it’s going to be much better because I know I won’t have to sell my investment to pay off my debt. It’s all going very well and the last thing on earth I wanted is to actually sell my investment. It’s something I wanted to avoid. Between now and January, I can use my new credit line to pay off my other credit line, the one being at 8.25% interest rate. That’s a 5 000$ right there. And on September 5th, I will be paying my CIBC Visa. Before requesting my credit line, I call CIBC Visa to see if it was possible to get another credit card balance transfer, but I was told to wait until September 1, to see if a new offer will show up… But the way it was going, I knew nothing was going to happen. I guess that with CIBC Visa, it was a one time deal.
I have to get my paper ready for tomorrow and I guess it will be it! I should get it right away. I am just very happy. This Friday is my birthday and it will be a very happy one. It’s almost too much stuff for me at this time with my overtime and everything else but you know, you’re an investor or your not one, one or the either. lol…
The interest rate is relatively ok. I guess my credit score is medium because I hold many debts and my salary is not quite extremely good, and on top of that, I don’t own my place. So all those things mix all together, it’s making it difficult to get a lower interest rate. At first, I got rejected and I argue, and I finally got it! So this is very good because this way, I am going to be able to pay off the balance on my CIBC credit card. The balance was at a special interest rate due to a credit card balance transfer. The special interest rate at 3.9% is expiring on September 6. This is a balance of something like 1 200$. Not that much, but I certainly do not have the money to pay off the balance at this time. Also in January, I have an 8 000$ at a special interest of something like 4.9% that will expire (also a result of a credit card balance transfer). I was in great need of a solution, so better now than ever.
So now, it’s going to be much better because I know I won’t have to sell my investment to pay off my debt. It’s all going very well and the last thing on earth I wanted is to actually sell my investment. It’s something I wanted to avoid. Between now and January, I can use my new credit line to pay off my other credit line, the one being at 8.25% interest rate. That’s a 5 000$ right there. And on September 5th, I will be paying my CIBC Visa. Before requesting my credit line, I call CIBC Visa to see if it was possible to get another credit card balance transfer, but I was told to wait until September 1, to see if a new offer will show up… But the way it was going, I knew nothing was going to happen. I guess that with CIBC Visa, it was a one time deal.
I have to get my paper ready for tomorrow and I guess it will be it! I should get it right away. I am just very happy. This Friday is my birthday and it will be a very happy one. It’s almost too much stuff for me at this time with my overtime and everything else but you know, you’re an investor or your not one, one or the either. lol…
Sunday, August 22, 2010
My last week as a 29 years old
Just 2 other investments and I am done with the stock market.
This week pass by quite nicely. Too bad it had to rain this weekend. I took a nice rest even if I was working. I got plenty of time to think about my investment and stuff and I came with a little plan for the upcoming months. So far so good, I had been able to follow what had been planned and I hope this time won’t be an exception. First, my credit line request… I had been talking about it for about 2 weeks now, but I didn’t take time to actually call and make my request. So I am at the same point regarding my new credit request. That’s the really first thing I need to take care of tomorrow. I would like to get a good 10 000$ credit line at least. Ok, so my CIBC credit card I have to pay soon is at something like 1 200$ only. But I am thinking for January… In January the special offer I have on my TD credit card for 8 000$ will expired and it’s going to be the same thing over and over again. Problem after problem after problem. Investing using money available on credit card balance is nice for the time it last, but on a long term basis, it’s annoying. But using credit card balance transfer to invest in Just Energy Income Fund (JE.UN) was one of the brightest ideas I ever come with. It’s going on pretty well and the last thing on earth I want to do is to sell my units. More credit is not the solution of course but you know, poor people have debt and I am quite poor actually. The 90 000$ and something is just an illusion of richness. But I love the illusion anyway.
Sometimes, an individual had to take responsibility for itself despite the risk, despite the recession and despite everything you could imagine. Despite my sometimes distrustful colleagues, despite a bad job situation, despite my relatively poverty. I am the perfect example that things are possible despite everything you can imagine. All of this is happening to show that the stock market, in reality, it’s belong to small investors, it’s belong to New Brunswickers and everyone else with a soul and mind working well together. I just want to add that this week, I have overtime, so I will try to do the maximum hours I can. It went well last week, it should also go fine this week. Oh and also that later on this week it’s going to be my birthday…. lol. :0)
I will be able to make my next investment beginning of September. As plan, it’s going to be 100 units of DHF.UN. After what, I plan to make another investment in BA.UN, 100 units of BA.UN, in order to benefit from the DRIP. Those might be my 2 last investments. Not that I don’t plan to invest anymore. Problem being that even at this time, my portfolio feel complete. I do not feel the necessity to invest in stocks anymore. Don’t ask me why, it’s just the need is not there anymore, not as much as it was before. So this will close my stock investment – not forever, but just for a little while. While waiting for my stock fever to come back, I will be investing in ETFs. Did you know, some ETF pays a monthly distribution and other pay an annual one? It’s the case of Claymore Gold Bullion who had pay, at least for last year, an annual distribution. ETFs distribution can be as interesting as the one offer by stocks. Here’s where Questrade is coming into action: I plan to open a Questrade online broker account to invest is non registered ETFs. Even while having around 70 000$ at TD Waterhouse, I still have to pay 29$ per trade. It doesn’t have to be that way. That’s why I am willing to open an account at Questrade. At 9.99$ or so per trade, I am going to have a lot of fun with ETFs – it’s coming to be a bit in here, and there, and here again, and there again…. Just the way I like to do things. The US economy is not that great. Canadian one is relatively stable but I have to say I worry and at this point as I said, my portfolio is complete and I don’t have anything left in mind in the sense that I don’t want anymore. I couldn’t be more clear about it: I am feeling complete, despite I am not at 100 000$ in assets yet and despite the fact that I don’t have enough to live on dividend. I cannot explain it, but I guess 90 400$ and something is already a great deal of money for me. I guess my feeling is coming from there. From the fact that I am basically at where I want to be at this time. So it’s not bad as feeling isn’t? Better than my hate for Quebeckers, that’s for sure. Taught that people from New Brunswick were poor and bad at investing? Guess you got it all wrong… So stay tune because things are getting wilder as I am getting close to 30th and close to my 100 000$ assets. That’s pretty much about it for not if not that I am also planning to job search in September, trying to bring more cash in the house to fly to my first 150 000$. I just wonder how I will feel with 150 000$ in my pockets.
This week pass by quite nicely. Too bad it had to rain this weekend. I took a nice rest even if I was working. I got plenty of time to think about my investment and stuff and I came with a little plan for the upcoming months. So far so good, I had been able to follow what had been planned and I hope this time won’t be an exception. First, my credit line request… I had been talking about it for about 2 weeks now, but I didn’t take time to actually call and make my request. So I am at the same point regarding my new credit request. That’s the really first thing I need to take care of tomorrow. I would like to get a good 10 000$ credit line at least. Ok, so my CIBC credit card I have to pay soon is at something like 1 200$ only. But I am thinking for January… In January the special offer I have on my TD credit card for 8 000$ will expired and it’s going to be the same thing over and over again. Problem after problem after problem. Investing using money available on credit card balance is nice for the time it last, but on a long term basis, it’s annoying. But using credit card balance transfer to invest in Just Energy Income Fund (JE.UN) was one of the brightest ideas I ever come with. It’s going on pretty well and the last thing on earth I want to do is to sell my units. More credit is not the solution of course but you know, poor people have debt and I am quite poor actually. The 90 000$ and something is just an illusion of richness. But I love the illusion anyway.
Sometimes, an individual had to take responsibility for itself despite the risk, despite the recession and despite everything you could imagine. Despite my sometimes distrustful colleagues, despite a bad job situation, despite my relatively poverty. I am the perfect example that things are possible despite everything you can imagine. All of this is happening to show that the stock market, in reality, it’s belong to small investors, it’s belong to New Brunswickers and everyone else with a soul and mind working well together. I just want to add that this week, I have overtime, so I will try to do the maximum hours I can. It went well last week, it should also go fine this week. Oh and also that later on this week it’s going to be my birthday…. lol. :0)
I will be able to make my next investment beginning of September. As plan, it’s going to be 100 units of DHF.UN. After what, I plan to make another investment in BA.UN, 100 units of BA.UN, in order to benefit from the DRIP. Those might be my 2 last investments. Not that I don’t plan to invest anymore. Problem being that even at this time, my portfolio feel complete. I do not feel the necessity to invest in stocks anymore. Don’t ask me why, it’s just the need is not there anymore, not as much as it was before. So this will close my stock investment – not forever, but just for a little while. While waiting for my stock fever to come back, I will be investing in ETFs. Did you know, some ETF pays a monthly distribution and other pay an annual one? It’s the case of Claymore Gold Bullion who had pay, at least for last year, an annual distribution. ETFs distribution can be as interesting as the one offer by stocks. Here’s where Questrade is coming into action: I plan to open a Questrade online broker account to invest is non registered ETFs. Even while having around 70 000$ at TD Waterhouse, I still have to pay 29$ per trade. It doesn’t have to be that way. That’s why I am willing to open an account at Questrade. At 9.99$ or so per trade, I am going to have a lot of fun with ETFs – it’s coming to be a bit in here, and there, and here again, and there again…. Just the way I like to do things. The US economy is not that great. Canadian one is relatively stable but I have to say I worry and at this point as I said, my portfolio is complete and I don’t have anything left in mind in the sense that I don’t want anymore. I couldn’t be more clear about it: I am feeling complete, despite I am not at 100 000$ in assets yet and despite the fact that I don’t have enough to live on dividend. I cannot explain it, but I guess 90 400$ and something is already a great deal of money for me. I guess my feeling is coming from there. From the fact that I am basically at where I want to be at this time. So it’s not bad as feeling isn’t? Better than my hate for Quebeckers, that’s for sure. Taught that people from New Brunswick were poor and bad at investing? Guess you got it all wrong… So stay tune because things are getting wilder as I am getting close to 30th and close to my 100 000$ assets. That’s pretty much about it for not if not that I am also planning to job search in September, trying to bring more cash in the house to fly to my first 150 000$. I just wonder how I will feel with 150 000$ in my pockets.
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