Savings:
835.48$
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 2 926.70$
Timminco (TIM): 58$
Blue Note Mining (BNT): 54$
Bank of Nova Scotia (BNS): 5 849.69$
Hanwei Energy Services (HE): 105$
Methanex Corporation (MX): 2 925.20$
Fortis (FTS): 3 463.59$
Pembina Pipeline Corporation (PPL):
9 415.35$
Just Energy Income Fund (JE.UN): 11 597.40$
Yellow Pages Income Fund (YLO.UN):
2 850.45$
Bell Aliant Regional Communications Income Fund
(BA.UN): 5 598$
Pengrowth Energy Trust (PGF.UN): 2 582.64$
Enbridge Income Fund (ENF.UN): 5 278.80$
Corby Distilleries Limited (CDL.A): 3 216$
Davis + Henderson Income Fund (DHF.UN):
4 084$
Premium Brands Holdings Corporation (PBH):
2 907$
EnCana Corporation (ECA): 5 790.81$
Cash: 15.82$
TOTAL: 68 718.45$
Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 864.56$
The Consumers’ Waterheater Income Fund
(CWI.UN): 2 501.43$
Sprott Canadian Equity Fund:
6 565.20$
Dumont Nickel Inc. (DNI): 316.25$
Cash: 70.87$
TOTAL: 12 318.31$
RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 4 140.50$
EnCana Corporation (ECA): 2 881$
Emera Incorporated (EMA): 6 054.72$
Cash: 58.64$
CIBC Dividend Growth Fund: 532.12$
CIBC Emerging Markets Index Fund: 448.78$
CIBC Monthly Income Fund: 1 023.20$
Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$
GIC National Bank: 1 147.42$
GIC Plus: 500$
TD Canadian Bond: 117.98$
TD Monthly Income: 108.33$
TD Emerging Markets: 90.97$
TD Energy: 85.56$
TD Precious Metals: 137.39$
TD Latin American Growth: 105.89$
TD Entertainment and Communications: 119.02$
TD Dividend Growth: 201.39$
TD U.S. Mid-Cap Growth: 107.18$
Maritime Life International Equity Fund
(Templeton): 660.92$
Manulife Simplicity Growth Portfolio: 894.06$
Maritime Life CI Harbour Seg Fund: 1 013.07$
Maritime Life Fidelity True North Seg Fund: 996.10$
Maritime Life Trimark Europlus Seg Fund: 642.84$
Great-West – various: 1 751.69$
RBC Canadian Dividend Fund: 529.76$
RBC U.S. Mid-Cap Equity Fund C$: 1 851.25$
RBC Global Resources Fund: 1 039.24$
RBC O’Shaughnessy International Equity Fund:
658.55$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 139.82$
GIC Canadian Market: 1 000$
TOTAL: 31 042.91$
Social Capital at Desjardins Membership share
for 3 accounts: 40$
Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(84.82$):
113 039.97$
Sunday, October 31, 2010
Tuesday, October 26, 2010
I am now at 112 498.17$
I finish work early tonight because I really wanted to update my portfolio. It hasn’t been updated since my last 2 investments in Bell Aliant Regional Communications Income Fund (BA.UN) and Davis + Henderson Income Fund (DHF.UN). Both investments had increase in value. For one of the first time ever, Davis + Henderson Income Fund (DHF.UN) had close the day a more than 20$ per unit!
Overall, I have very great result and it’s getting way too much exciting, especially now, knowing that starting November 4, 2010, I will be able to purchase stocks online at only 9.99$ per trade with TD Waterhouse! The only requirement is to have a minimum of 50 000$ within the broker account. And of course, on November 4, 2010, I will be celebrating the new 9.99$ price commission by placing an online trade! I plan to invest in 100 units of Enbridge Income Fund (ENF.UN). I am currently doing a max of hours at work. 100 new units of ENF.UN would be great, but 200, even better!
My dividend income is slowly adding up. I am now at the equivalent of 410$ per month in dividend income. I am just very thankful not to have any kind of heavy bills such as cable, cell phone etc. to pay. That allow me to concentrate my efforts on saving and all extra money made can go on paying debt and/or invest. That 112 498.17$ of mine is very awesome. But I want MORE. :0)
Overall, I have very great result and it’s getting way too much exciting, especially now, knowing that starting November 4, 2010, I will be able to purchase stocks online at only 9.99$ per trade with TD Waterhouse! The only requirement is to have a minimum of 50 000$ within the broker account. And of course, on November 4, 2010, I will be celebrating the new 9.99$ price commission by placing an online trade! I plan to invest in 100 units of Enbridge Income Fund (ENF.UN). I am currently doing a max of hours at work. 100 new units of ENF.UN would be great, but 200, even better!
My dividend income is slowly adding up. I am now at the equivalent of 410$ per month in dividend income. I am just very thankful not to have any kind of heavy bills such as cable, cell phone etc. to pay. That allow me to concentrate my efforts on saving and all extra money made can go on paying debt and/or invest. That 112 498.17$ of mine is very awesome. But I want MORE. :0)
My investment portfolio in date of October 26, 2010
Savings:
455.56$
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 2 911.16$
Timminco (TIM): 56$
Blue Note Mining (BNT): 50$
Bank of Nova Scotia (BNS): 5 840.06$
Hanwei Energy Services (HE): 105$
Methanex Corporation (MX): 2 922.11$
Fortis (FTS): 3 445.40$
Pembina Pipeline Corporation (PPL):
9 321.41$
Just Energy Income Fund (JE.UN): 11 688.36$
Yellow Pages Income Fund (YLO.UN):
2 873.70$
Bell Aliant Regional Communications Income Fund
(BA.UN): 5 644$
Pengrowth Energy Trust (PGF.UN): 2 574.20$
Enbridge Income Fund (ENF.UN): 5 247$
Corby Distilleries Limited (CDL.A): 3 177.81$
Davis + Henderson Income Fund (DHF.UN):
4 074$
Premium Brands Holdings Corporation (PBH):
2 892.72$
EnCana Corporation (ECA): 5 696.34$
Cash: 0.49$
TOTAL: 68 519.76$
Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 864.33$
The Consumers’ Waterheater Income Fund
(CWI.UN): 2 479.36$
Sprott Canadian Equity Fund:
6 468.46$
Dumont Nickel Inc. (DNI): 373.75$
Cash: 66.09$
TOTAL: 12 251.99$
RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 4 076.28$
EnCana Corporation (ECA): 2 834$
Emera Incorporated (EMA): 6 246.48$
Cash: 58.64$
CIBC Dividend Growth Fund: 533.06$
CIBC Emerging Markets Index Fund: 455.91$
CIBC Monthly Income Fund: 1 029.31$
Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$
GIC National Bank: 1 147.42$
GIC Plus: 500$
TD Canadian Bond: 117.81$
TD Monthly Income: 109.20$
TD Emerging Markets: 92.19$
TD Energy: 85.82$
TD Precious Metals: 133.99$
TD Latin American Growth: 106.65$
TD Entertainment and Communications: 119.42$
TD Dividend Growth: 203.09$
TD U.S. Mid-Cap Growth: 107.18$
Maritime Life International Equity Fund
(Templeton): 666.14$
Manulife Simplicity Growth Portfolio: 894.76$
Maritime Life CI Harbour Seg Fund: 1 020.81$
Maritime Life Fidelity True North Seg Fund: 1 003.64$
Maritime Life Trimark Europlus Seg Fund: 645$
Great-West – various: 1 751.69$
RBC Canadian Dividend Fund: 532.29$
RBC U.S. Mid-Cap Equity Fund C$: 1 851.35$
RBC Global Resources Fund: 1 028.31$
RBC O’Shaughnessy International Equity Fund:
660.54$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 136.29$
GIC Canadian Market: 1 000$
TOTAL: 31 152.79$
Social Capital at Desjardins Membership share
for 3 accounts: 40$
Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(78.07$):
112 498.17$
455.56$
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 2 911.16$
Timminco (TIM): 56$
Blue Note Mining (BNT): 50$
Bank of Nova Scotia (BNS): 5 840.06$
Hanwei Energy Services (HE): 105$
Methanex Corporation (MX): 2 922.11$
Fortis (FTS): 3 445.40$
Pembina Pipeline Corporation (PPL):
9 321.41$
Just Energy Income Fund (JE.UN): 11 688.36$
Yellow Pages Income Fund (YLO.UN):
2 873.70$
Bell Aliant Regional Communications Income Fund
(BA.UN): 5 644$
Pengrowth Energy Trust (PGF.UN): 2 574.20$
Enbridge Income Fund (ENF.UN): 5 247$
Corby Distilleries Limited (CDL.A): 3 177.81$
Davis + Henderson Income Fund (DHF.UN):
4 074$
Premium Brands Holdings Corporation (PBH):
2 892.72$
EnCana Corporation (ECA): 5 696.34$
Cash: 0.49$
TOTAL: 68 519.76$
Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 864.33$
The Consumers’ Waterheater Income Fund
(CWI.UN): 2 479.36$
Sprott Canadian Equity Fund:
6 468.46$
Dumont Nickel Inc. (DNI): 373.75$
Cash: 66.09$
TOTAL: 12 251.99$
RSP investment portfolio:
Claymore Gold Bullion ETF (CGL): 4 076.28$
EnCana Corporation (ECA): 2 834$
Emera Incorporated (EMA): 6 246.48$
Cash: 58.64$
CIBC Dividend Growth Fund: 533.06$
CIBC Emerging Markets Index Fund: 455.91$
CIBC Monthly Income Fund: 1 029.31$
Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$
GIC National Bank: 1 147.42$
GIC Plus: 500$
TD Canadian Bond: 117.81$
TD Monthly Income: 109.20$
TD Emerging Markets: 92.19$
TD Energy: 85.82$
TD Precious Metals: 133.99$
TD Latin American Growth: 106.65$
TD Entertainment and Communications: 119.42$
TD Dividend Growth: 203.09$
TD U.S. Mid-Cap Growth: 107.18$
Maritime Life International Equity Fund
(Templeton): 666.14$
Manulife Simplicity Growth Portfolio: 894.76$
Maritime Life CI Harbour Seg Fund: 1 020.81$
Maritime Life Fidelity True North Seg Fund: 1 003.64$
Maritime Life Trimark Europlus Seg Fund: 645$
Great-West – various: 1 751.69$
RBC Canadian Dividend Fund: 532.29$
RBC U.S. Mid-Cap Equity Fund C$: 1 851.35$
RBC Global Resources Fund: 1 028.31$
RBC O’Shaughnessy International Equity Fund:
660.54$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 136.29$
GIC Canadian Market: 1 000$
TOTAL: 31 152.79$
Social Capital at Desjardins Membership share
for 3 accounts: 40$
Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(78.07$):
112 498.17$
Monday, October 25, 2010
Working at paying off some debt
What a week… I did around 47 hours at my week day job and I also work my regular shift at my weekend job. In the middle of the week I got a cold and I wasn’t feeling well at all. The problem being that the weather is now much colder and I am sill walking to go to work. That’s how it happens. I took Benylin pills and that was it, but I had to take 2 pills every 6 hours or I was done… I got some really strong and painful flu symptoms.
I am not too happy about having to spend a 70$ per month on a metro pass on my already tight budget. Well, my budget is not that tight but lately, I had spent quite some money on my credit card. I have until October 9th to pay a 513$ balance… yep. Where the money go? Mostly on food, coffees, coffees and even more coffees lol… Now that I am starting a new circle on the credit card, I will be more careful with my expenses. I will be able to pay off that balance of my regular expenses without any problem. It’s just that I would like to slide from 513$ to my old 250$-300$ monthly expenses. Those expenses include everyday expenses and also groceries. Now that the summer is over, that my rent had been increased of 10$, the lovely frugal living is back!
And talking about frugal living, the red in my hair is slowly getting off. A have a major root showing off but I prefer it that way. I no longer want to dye my hairs. But I desperately need a hair cut that’s for sure…
I am still waiting for my iPod Touch and I hope to get it this week maybe.
I am getting mentally ready to do 50 hours and up at work… I got my 513$ credit card balance to pay on top of everything else but sincerely, everything is going well. I was about to update my investment portfolio but I didn’t update the RSP part because yesterday I went to bed early as I had the flu. But here’s the update for the non registered part:
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 2 999.22$
Timminco (TIM): 60$
Blue Note Mining (BNT): 52$
Bank of Nova Scotia (BNS): 5 836.85$
Hanwei Energy Services (HE): 120$
Methanex Corporation (MX): 2 858.25$
Fortis (FTS): 3 497.83$
Pembina Pipeline Corporation (PPL):
9 359.84$
Just Energy Income Fund (JE.UN): 11 620.14$
Yellow Pages Income Fund (YLO.UN):
2 850.45$
Bell Aliant Regional Communications Income Fund
(BA.UN): 5 540$
Pengrowth Energy Trust (PGF.UN): 2 481.36$
Enbridge Income Fund (ENF.UN): 5 135.70$
Corby Distilleries Limited (CDL.A): 3 167.76$
Davis + Henderson Income Fund (DHF.UN):
3 956$
Premium Brands Holdings Corporation (PBH):
2 888.64$
EnCana Corporation (ECA): 5 680.26$
Cash: 24.49$
TOTAL: 68 129.29$
So I guess that overall, I am around 110k or something like it. My debt are around 45 000$. I won’t update my debt part tonight either as for the rest. I am just very happy that I had been able to clean my place and do a bit of laundry before tonight so don’t ask too much of me…
Talking about debt, I completed my credit card balance transfer and officially got the 4.9% low interest rate on my TD Visa until April 2011. I got this completed this Friday. I only have something like 3 300$ to pay off on my TD credit line. I will be working at paying it off for the upcoming weeks. Nothing more for now. No investment plan to announce either. Life is getting boring these days as I work all the time. I want my iPod.
I am not too happy about having to spend a 70$ per month on a metro pass on my already tight budget. Well, my budget is not that tight but lately, I had spent quite some money on my credit card. I have until October 9th to pay a 513$ balance… yep. Where the money go? Mostly on food, coffees, coffees and even more coffees lol… Now that I am starting a new circle on the credit card, I will be more careful with my expenses. I will be able to pay off that balance of my regular expenses without any problem. It’s just that I would like to slide from 513$ to my old 250$-300$ monthly expenses. Those expenses include everyday expenses and also groceries. Now that the summer is over, that my rent had been increased of 10$, the lovely frugal living is back!
And talking about frugal living, the red in my hair is slowly getting off. A have a major root showing off but I prefer it that way. I no longer want to dye my hairs. But I desperately need a hair cut that’s for sure…
I am still waiting for my iPod Touch and I hope to get it this week maybe.
I am getting mentally ready to do 50 hours and up at work… I got my 513$ credit card balance to pay on top of everything else but sincerely, everything is going well. I was about to update my investment portfolio but I didn’t update the RSP part because yesterday I went to bed early as I had the flu. But here’s the update for the non registered part:
Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 2 999.22$
Timminco (TIM): 60$
Blue Note Mining (BNT): 52$
Bank of Nova Scotia (BNS): 5 836.85$
Hanwei Energy Services (HE): 120$
Methanex Corporation (MX): 2 858.25$
Fortis (FTS): 3 497.83$
Pembina Pipeline Corporation (PPL):
9 359.84$
Just Energy Income Fund (JE.UN): 11 620.14$
Yellow Pages Income Fund (YLO.UN):
2 850.45$
Bell Aliant Regional Communications Income Fund
(BA.UN): 5 540$
Pengrowth Energy Trust (PGF.UN): 2 481.36$
Enbridge Income Fund (ENF.UN): 5 135.70$
Corby Distilleries Limited (CDL.A): 3 167.76$
Davis + Henderson Income Fund (DHF.UN):
3 956$
Premium Brands Holdings Corporation (PBH):
2 888.64$
EnCana Corporation (ECA): 5 680.26$
Cash: 24.49$
TOTAL: 68 129.29$
So I guess that overall, I am around 110k or something like it. My debt are around 45 000$. I won’t update my debt part tonight either as for the rest. I am just very happy that I had been able to clean my place and do a bit of laundry before tonight so don’t ask too much of me…
Talking about debt, I completed my credit card balance transfer and officially got the 4.9% low interest rate on my TD Visa until April 2011. I got this completed this Friday. I only have something like 3 300$ to pay off on my TD credit line. I will be working at paying it off for the upcoming weeks. Nothing more for now. No investment plan to announce either. Life is getting boring these days as I work all the time. I want my iPod.
Thursday, October 21, 2010
It's pay day
I received a big paycheck of more than 1 200$! The money will go as payment on my TD credit line. After what I will only have left to pay 3 400$ on it. Not bad at all. (Pretty huge knowing its after taxes). Those were for the unpaid commissions I didn’t receive for the last six months. Unbelievable. But the worst is that my colleagues who had quite their jobs in the meantime will never touch the money of their commissions. This is how things work in Quebec province. Employers have all the rights of the world, while employees have no rights and no voices. Yes, I can fairly scream it loud: Quebec is the most corruptive province in Canada. And sooner they will be kick out of Canada, the better it will be for Canadians like myself.
I wasn’t shock when I read that no criminal charges had been put against Carole Morinville even if her assets had been frozen since August and even after she had declared bankruptcy. The Autorité des marches financiers is just so incompetent! What the hell is everyone doing? Carole Morinville had been suspected of holding a Ponzi scheme. Which mean that some blind Quebec investors had decided to give her their money so she could invest it for them. But the money is now no where – it’s appearing to be gone. What a mistake those investors had made! Lessons haven’t been learned by Quebeckers since the Bertram Earl Jones scandal. The best way to invest is by yourself, by opening a broker account. Don’t trust anyone. Especially Quebeckers. Those are just arrogant people that think to have it all, they want to separate, be a country of their own. See where their arrogances had driven them. To nothing. Taxes are the highest in North America, more than 2 million of Quebeckers do not have a family doctor, there is no good access to health care and no good educational system, the richest put their children to private schools, etc… And see their prime Minister, Jean Charest? Jean Charest is like the rest of Quebec: a good leader of Quebec cheaters and liars – from the exact same tramp of Brian Mulroney.
Also, another way to avoid financial fraud is to have your assets diversify in several Canadian banks. And try to completely avoid BMO Bank of Montreal. The people working there are incompetent. Trust me. I had been there. And also, BMO Bank of Montreal is not a national bank, it’s a provincial bank. So if I where you, I would avoid that kind of junk.
But anyway, generally speaking, those Quebeckers are so incompetents. You have to be here and live it for yourself to believe what kind of crackheads those Quebeckers are.
I am now to more than 90 000$ in my broker account, if you are interested of knowing about it. lol… And what happen at 100k? Hello trades at 9.99$ with TD Waterhouse!
I wasn’t shock when I read that no criminal charges had been put against Carole Morinville even if her assets had been frozen since August and even after she had declared bankruptcy. The Autorité des marches financiers is just so incompetent! What the hell is everyone doing? Carole Morinville had been suspected of holding a Ponzi scheme. Which mean that some blind Quebec investors had decided to give her their money so she could invest it for them. But the money is now no where – it’s appearing to be gone. What a mistake those investors had made! Lessons haven’t been learned by Quebeckers since the Bertram Earl Jones scandal. The best way to invest is by yourself, by opening a broker account. Don’t trust anyone. Especially Quebeckers. Those are just arrogant people that think to have it all, they want to separate, be a country of their own. See where their arrogances had driven them. To nothing. Taxes are the highest in North America, more than 2 million of Quebeckers do not have a family doctor, there is no good access to health care and no good educational system, the richest put their children to private schools, etc… And see their prime Minister, Jean Charest? Jean Charest is like the rest of Quebec: a good leader of Quebec cheaters and liars – from the exact same tramp of Brian Mulroney.
Also, another way to avoid financial fraud is to have your assets diversify in several Canadian banks. And try to completely avoid BMO Bank of Montreal. The people working there are incompetent. Trust me. I had been there. And also, BMO Bank of Montreal is not a national bank, it’s a provincial bank. So if I where you, I would avoid that kind of junk.
But anyway, generally speaking, those Quebeckers are so incompetents. You have to be here and live it for yourself to believe what kind of crackheads those Quebeckers are.
I am now to more than 90 000$ in my broker account, if you are interested of knowing about it. lol… And what happen at 100k? Hello trades at 9.99$ with TD Waterhouse!
Tuesday, October 19, 2010
Welcome again Bell Aliant Regional Communications Income Fund (BA.UN)! 100 brand new units of BA.UN in my investment portfolio!
My second and last investment of the day: 100 units of Bell Aliant Regional Communications Income Fund (BA.UN) at 27.49$ each.
My non registered investment portfolio is now at 68 159.44$.
My non registered investment portfolio is now at 68 159.44$.
Welcome again Davis + Henderson Income Fund (DHF.UN)! 100 brand new units of DHF.UN in my investment portfolio!
I just purchased 100 units of Davis + Henderson Income Fund (DHF.UN) at 19.38$ each.
I know, I was supposed to do this Monday morning, but as I had worked all weekend long, I was feeling like getting a little rest. From what I can quickly see, my non registered stocks and units portfolio close at 63 485.44$. Nice gain overall for my investment portfolio.
I proceed yesterday with my TD Visa credit card balance transfers at CIBC Visa and RBC Visa. I did the transfers on my lunch break. But just before, I had called TD Canada Trust just to make sure that if my doing so, I could get 4.9% low interest rate for another 6 months… The answer was yes… This is making possible the 2 investments of today, who should closed my trading sessions for 2010. This is kind of funny knowing that I wrote that my investment in EnCana Corporation (ECA) was going to be my last trade… But I was wrong, was I… Well, many factors play in my favor, that extension of 6 months for my 8 000$ credit card balance and also the fact that is overtime available at my weekday job.
Very happy with my new investment in Davis + Henderson Income Fund (DHF.UN)!
I know, I was supposed to do this Monday morning, but as I had worked all weekend long, I was feeling like getting a little rest. From what I can quickly see, my non registered stocks and units portfolio close at 63 485.44$. Nice gain overall for my investment portfolio.
I proceed yesterday with my TD Visa credit card balance transfers at CIBC Visa and RBC Visa. I did the transfers on my lunch break. But just before, I had called TD Canada Trust just to make sure that if my doing so, I could get 4.9% low interest rate for another 6 months… The answer was yes… This is making possible the 2 investments of today, who should closed my trading sessions for 2010. This is kind of funny knowing that I wrote that my investment in EnCana Corporation (ECA) was going to be my last trade… But I was wrong, was I… Well, many factors play in my favor, that extension of 6 months for my 8 000$ credit card balance and also the fact that is overtime available at my weekday job.
Very happy with my new investment in Davis + Henderson Income Fund (DHF.UN)!
Saturday, October 16, 2010
Investment projects for Monday!
The dividend earnings of yesterday had been huge. I might have received my ENF.UN dividend by now but I just cannot access my online broker day trading at this time. Remember, Saturday night is TD Price Waterhouse system maintenance. It’s currently 7:30pm. The maintenance time is usually around 12 midnight, but hey, it could be my computer too. I wonder if anyone having the same problem as myself or if I am the only one trying to access its online commodity broker account at this present time.
Need a good virus protection? Go with Kaspersky Internet Security
I have a very good anti-virus that I had renew for the past 2 years: it’s the Kaspersky Internet Security. It’s update automatically on a daily basis and I proceed with a complete scan quite often. If you trade stocks online, it’s extremely important to do it on a secure Internet connection and work on a computer who have a good anti-virus. And also, never trade stocks online through a Wireless Internet connection. Why? Well, I heard that Internet geek could see what you are doing on your computer if you use a Wireless Internet connection. I don’t know too much about computer, but that’s what my bro told me once.
I had been very satisfied with the Kaspersky Internet Security so far. The system is very light. I have a very old laptop of 5 or 6 years ago now… Just to show you how old it is, I have a 512MD DDR on a 60GB HDD. Currently on laptop, DDR are often of 4 GB and up… put mine is less than 1 GB. My laptop computer is an antic and is sometime slow as you can imagine but I am now willing to spend money on a new laptop computer now. I am just collecting points at job who will allow me to purchase, I hope soon, one of those small laptop computers, a mini laptop that I will also put under Kaspersky Internet Security as I can use up to 3 computers on one license. There’s other computer antivirus software you can use such as McAfee antivirus software and AVG virus protection, but I prefer the Kaspersky Internet Security.
I ordered my iPod Touch and I should receive it within 2 weeks or so. I am very excited about it. I find it so phenomenal: a crystal clear touch screen, access to a Wireless Internet connection, MP3 player, camera and more… the iPod Touch is huge! It’s exactly like an iPhone 4 of Apple, but without the cellular service on it. Even better than one of those Wireless laptop computers that’s for sure!
About my next 2 investments…
I wanted to update my dividend income, but since I cannot update it because I cannot access my online commodity broker account and check my Canadian dividend stocks, I will have to remain for now with my old 369$ per month… And add the value of my upcoming investments! This year, I am celebrating Christmas in advance!
Well, this will only work at one condition. I have a 8 000$ on a TD Visa credit card balance transfer at a special interest rate of 4.9% which is going to end on January… On my latest TD Visa credit card statement, TD had offered me, once again, a credit card balance transfer at 4.9%. So I am just going to verify with TD first to see if I can benefit form this offer. And than, I will split the apple in 2:
A one 4 000$ credit card balance will be transfer at RBC Royal Bank Visa;
And a second 4 000$ credit card balance will be transfer at CIBC Visa.
When dealing from a Visa credit card to another Visa credit card, there’s no credit card balance transfer fee that need to be paid. Other than Visa, I hold one American Express, which is an airline miles credit card, and one Mastercard credit card. They are not bank of america credit card, but almost.
After what, I will call TD, and proceed with the balance transfer credit card application. I talk about doing this a little while ago, but I didn’t do anything yet regarding this. But I guess it will work. If I can move forward with this, I will make other online stock investment this upcoming Monday morning.
In my investment portfolio, I currently hold 100 units of David + Henderson Income Fund (DHF.UN) and 100 units of Bell Aliant Regional Communications Income Fund (BA.UN). I wanted for a very long time adds an extra 100 unit to each company in order to benefit from the DRIP investing. Seem like it’s now my chance since TD Visa credit card is offering me another 6 months at 4.9% low interest rate on my 8 000$ credit card balance. I have available 5 000$ on my TD credit line. That money was supposed to get transferred to my TD Visa credit card this January, when the 4.9% low interest rate would have expired… But it’s seem like I am going to be good until at least the month of April 2011 if everything go ok.
Those next 2 investments would than closed my 2010 trading adventure. 2010 had been a great year so far. After those last 2 stock trades in David + Henderson Income Fund (DHF.UN) and Bell Aliant Regional Communications Income Fund (BA.UN), I will be working at paying off again my TD credit line. I can easily save an average of 1 000$ per month. I want to save money for my RRSP. I have 7 000$ I can invest for retirement investment purposes which I absolutely need to invest in order to save on income taxes. I should be able to save a 7 000$ right on time for the RRSP season.
Need a good virus protection? Go with Kaspersky Internet Security
I have a very good anti-virus that I had renew for the past 2 years: it’s the Kaspersky Internet Security. It’s update automatically on a daily basis and I proceed with a complete scan quite often. If you trade stocks online, it’s extremely important to do it on a secure Internet connection and work on a computer who have a good anti-virus. And also, never trade stocks online through a Wireless Internet connection. Why? Well, I heard that Internet geek could see what you are doing on your computer if you use a Wireless Internet connection. I don’t know too much about computer, but that’s what my bro told me once.
I had been very satisfied with the Kaspersky Internet Security so far. The system is very light. I have a very old laptop of 5 or 6 years ago now… Just to show you how old it is, I have a 512MD DDR on a 60GB HDD. Currently on laptop, DDR are often of 4 GB and up… put mine is less than 1 GB. My laptop computer is an antic and is sometime slow as you can imagine but I am now willing to spend money on a new laptop computer now. I am just collecting points at job who will allow me to purchase, I hope soon, one of those small laptop computers, a mini laptop that I will also put under Kaspersky Internet Security as I can use up to 3 computers on one license. There’s other computer antivirus software you can use such as McAfee antivirus software and AVG virus protection, but I prefer the Kaspersky Internet Security.
I ordered my iPod Touch and I should receive it within 2 weeks or so. I am very excited about it. I find it so phenomenal: a crystal clear touch screen, access to a Wireless Internet connection, MP3 player, camera and more… the iPod Touch is huge! It’s exactly like an iPhone 4 of Apple, but without the cellular service on it. Even better than one of those Wireless laptop computers that’s for sure!
About my next 2 investments…
I wanted to update my dividend income, but since I cannot update it because I cannot access my online commodity broker account and check my Canadian dividend stocks, I will have to remain for now with my old 369$ per month… And add the value of my upcoming investments! This year, I am celebrating Christmas in advance!
Well, this will only work at one condition. I have a 8 000$ on a TD Visa credit card balance transfer at a special interest rate of 4.9% which is going to end on January… On my latest TD Visa credit card statement, TD had offered me, once again, a credit card balance transfer at 4.9%. So I am just going to verify with TD first to see if I can benefit form this offer. And than, I will split the apple in 2:
A one 4 000$ credit card balance will be transfer at RBC Royal Bank Visa;
And a second 4 000$ credit card balance will be transfer at CIBC Visa.
When dealing from a Visa credit card to another Visa credit card, there’s no credit card balance transfer fee that need to be paid. Other than Visa, I hold one American Express, which is an airline miles credit card, and one Mastercard credit card. They are not bank of america credit card, but almost.
After what, I will call TD, and proceed with the balance transfer credit card application. I talk about doing this a little while ago, but I didn’t do anything yet regarding this. But I guess it will work. If I can move forward with this, I will make other online stock investment this upcoming Monday morning.
In my investment portfolio, I currently hold 100 units of David + Henderson Income Fund (DHF.UN) and 100 units of Bell Aliant Regional Communications Income Fund (BA.UN). I wanted for a very long time adds an extra 100 unit to each company in order to benefit from the DRIP investing. Seem like it’s now my chance since TD Visa credit card is offering me another 6 months at 4.9% low interest rate on my 8 000$ credit card balance. I have available 5 000$ on my TD credit line. That money was supposed to get transferred to my TD Visa credit card this January, when the 4.9% low interest rate would have expired… But it’s seem like I am going to be good until at least the month of April 2011 if everything go ok.
Those next 2 investments would than closed my 2010 trading adventure. 2010 had been a great year so far. After those last 2 stock trades in David + Henderson Income Fund (DHF.UN) and Bell Aliant Regional Communications Income Fund (BA.UN), I will be working at paying off again my TD credit line. I can easily save an average of 1 000$ per month. I want to save money for my RRSP. I have 7 000$ I can invest for retirement investment purposes which I absolutely need to invest in order to save on income taxes. I should be able to save a 7 000$ right on time for the RRSP season.
Premium Brands Holdings Corporation (PBH) had started a brand new DRIP
I had hold PBH since a little while now and never does the dividend ever DRIP. Never.
Today had been quite nice for my dividend earning. I had received 58.80$ from Premium Brands Holdings Corporation (PBH), 30.68$ from Yellow Pages Income Fund (YLO.UN) and 55.25$ from Pembina Pipeline Corporation (PPL). This had of course boost my portfolio value, which is now at 63 140.58$.
Welcome to the Premium Brands Holdings Corporation (PBH) Dividend Reinvestment Plan
I had hold PBH since a little while now and ever since I hold the investment in my portfolio, the dividend never DRIP – which mean that never earn new stocks from the dividend earn by PBH. But this had stopped on today. For the first time ever, my PBH stocks had DRIP! This is very strange actually because on their Web site, PBH indicate the same thing as before, which is the following message: “Dividend Reinvestment Plan: Please note that as a result of Premium Brand's recent $40.3 million offering of convertible subordinate debentures and the corresponding improvement in its senior debt to EBITDA leverage ratio, it has suspended the DRIP for an indefinite period.”
So seem like PBH had removed the suspension, but I would had like to know in advance. In my case, I only hold 200 stocks of PBH and thanks to the DRIP, I had earned 4 new stocks. Yeah, that’s nice, but I was expecting the money in cash. Nothing dramatic would you say, but imagine investors with 500 or 1 000 stocks, how had been prepared to receive the money in cash rather than on form of a DRIP. And right now to tell the true I would had need the cash. Remember my hair cut? Ok, an hair cut won’t cost me 58.80$, only 15$ actually but still. I was expecting to do something with that money and now, the money is gone. Well, it’s not gone, but f*, the money is not available isn’t? But I guess PBH had other thing to do right. Like the CEO is being paid at doing what? Nothing?
That’s the kind of problem you get into when you are rich and getting rich is even more difficult when you have to deal with:
1) Quebec financial advisors
2) Companies who won’t even consider updating their Web site information.
Today had been quite nice for my dividend earning. I had received 58.80$ from Premium Brands Holdings Corporation (PBH), 30.68$ from Yellow Pages Income Fund (YLO.UN) and 55.25$ from Pembina Pipeline Corporation (PPL). This had of course boost my portfolio value, which is now at 63 140.58$.
Welcome to the Premium Brands Holdings Corporation (PBH) Dividend Reinvestment Plan
I had hold PBH since a little while now and ever since I hold the investment in my portfolio, the dividend never DRIP – which mean that never earn new stocks from the dividend earn by PBH. But this had stopped on today. For the first time ever, my PBH stocks had DRIP! This is very strange actually because on their Web site, PBH indicate the same thing as before, which is the following message: “Dividend Reinvestment Plan: Please note that as a result of Premium Brand's recent $40.3 million offering of convertible subordinate debentures and the corresponding improvement in its senior debt to EBITDA leverage ratio, it has suspended the DRIP for an indefinite period.”
So seem like PBH had removed the suspension, but I would had like to know in advance. In my case, I only hold 200 stocks of PBH and thanks to the DRIP, I had earned 4 new stocks. Yeah, that’s nice, but I was expecting the money in cash. Nothing dramatic would you say, but imagine investors with 500 or 1 000 stocks, how had been prepared to receive the money in cash rather than on form of a DRIP. And right now to tell the true I would had need the cash. Remember my hair cut? Ok, an hair cut won’t cost me 58.80$, only 15$ actually but still. I was expecting to do something with that money and now, the money is gone. Well, it’s not gone, but f*, the money is not available isn’t? But I guess PBH had other thing to do right. Like the CEO is being paid at doing what? Nothing?
That’s the kind of problem you get into when you are rich and getting rich is even more difficult when you have to deal with:
1) Quebec financial advisors
2) Companies who won’t even consider updating their Web site information.
Thursday, October 14, 2010
Financial Montreal Horror Stories: the facts and only the facts
This week was pretty easy at work or should I say so far, as my week is not over yet. I did my regular shift without doing any extra hours. I could have done plenty of hours, but I have to say 30 hours a week is enough. Not to mention I also have my weekend job. I am working again this weekend and it’s looking like there will be work for the upcoming weeks. But that job can be quite tricky as sometime I am getting push away for a lack of work or whatever reason is. In a past recent post, I wrote about « horror stories » (right on time for Halloween isn’t?) I live in different Montreal financial institutions and I find pretty releasing. I a mat point where I just want to have things done my way and I find people extremely difficult to deal with here in Montreal.
This being said, those horror stories are related to financial services only. I don’t think Quebeckers generally speaking are to blame even if I often write something life f Quebeckers or other things like it, but that really release me. Also, there’s something bad in Quebeckers, something that in deep in their essence. It’s in them, they cannot hide it. It’s ignorance, it’s a French mentality.
No way could I talk to someone about my bad services in Montreal financial system. I think no one would have understood me anyway. I find my blog the perfect place where to scream and why not – share my experiences with other. Because living in Quebec province is being 24 hours a day on a surviving mode. Taxes are the highest in North America, jobs are low paying (a teller job at BMO Bank of Montreal – Montreal call center was only offering 28 500$ (before taxes!!!) just to provide an example) and it’s extremely difficult to deal with Quebec financial representatives, at the exception of an institution located in Brossard and just a few other.
Here in Quebec province, it’s hard to get things done. To accomplish myself financially, I had a plan, and while having that plan in mind I wanted my choices to be respected. You can read in one of my previous post that it is extremely difficult to get things done here in Montreal and people need to be aware of that. Of the stupidity of Quebeckers. But thanks to the Macleans, I think that now Canadians and the rest of the world – now people are a bit more aware of what’s going on in Quebec province. It’s the latest place in Canada where I wanted to live. I might explain the main reason why I am being stuck here in Montreal in a next post or so. I have a lot to tell and I want to aware people of Quebeckers and I want everyone to know what I had been through so that maybe yourself can avoid situations involving Quebeckers that could financially and morally hurt you. Because living in Quebec province is a complete misery. But shouldn’t be scare of them, keep your last word on everything you want and you will get everything you want. Because the banks are Canadian institutions, not provincial. So basically, it’s the same thing for everyone. It’s just those Quebec jerks who are making things complicated. And see where they are now. So don’t be afraid of them. Some will lie, cheat on you, make fun of you, disrespect you, but feel free to spill on them. Just the way you want. Quebec province is a shame for Canadians like myself and when I say that you don’t need to be afraid, you don’t need to be afraid.
This being said, those horror stories are related to financial services only. I don’t think Quebeckers generally speaking are to blame even if I often write something life f Quebeckers or other things like it, but that really release me. Also, there’s something bad in Quebeckers, something that in deep in their essence. It’s in them, they cannot hide it. It’s ignorance, it’s a French mentality.
No way could I talk to someone about my bad services in Montreal financial system. I think no one would have understood me anyway. I find my blog the perfect place where to scream and why not – share my experiences with other. Because living in Quebec province is being 24 hours a day on a surviving mode. Taxes are the highest in North America, jobs are low paying (a teller job at BMO Bank of Montreal – Montreal call center was only offering 28 500$ (before taxes!!!) just to provide an example) and it’s extremely difficult to deal with Quebec financial representatives, at the exception of an institution located in Brossard and just a few other.
Here in Quebec province, it’s hard to get things done. To accomplish myself financially, I had a plan, and while having that plan in mind I wanted my choices to be respected. You can read in one of my previous post that it is extremely difficult to get things done here in Montreal and people need to be aware of that. Of the stupidity of Quebeckers. But thanks to the Macleans, I think that now Canadians and the rest of the world – now people are a bit more aware of what’s going on in Quebec province. It’s the latest place in Canada where I wanted to live. I might explain the main reason why I am being stuck here in Montreal in a next post or so. I have a lot to tell and I want to aware people of Quebeckers and I want everyone to know what I had been through so that maybe yourself can avoid situations involving Quebeckers that could financially and morally hurt you. Because living in Quebec province is a complete misery. But shouldn’t be scare of them, keep your last word on everything you want and you will get everything you want. Because the banks are Canadian institutions, not provincial. So basically, it’s the same thing for everyone. It’s just those Quebec jerks who are making things complicated. And see where they are now. So don’t be afraid of them. Some will lie, cheat on you, make fun of you, disrespect you, but feel free to spill on them. Just the way you want. Quebec province is a shame for Canadians like myself and when I say that you don’t need to be afraid, you don’t need to be afraid.
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