Montreal Biodome beauties

I had been quiet lately but it’s because my mom just left yesterday evening for New Brunswick. We arrived in Montreal Wednesday. She really wanted to visit Montreal. Despite the fact that I was actively looking for a job in New Brunswick, I did not have the heart to say no to her wish. She just had lost her brother after all. We have a great time. When I conduct her at the bus station, she told me it was ok for me to leave her there, that she was going to wait for the bus all by herself. I didn’t want to leave my mom alone among the mass of Quebeckers. No way! I put her in the bus and left in peace as she only had to switch of bus one single time... She left at close 11pm and at that time, I felt tired. Outside, it was raining and I was cold. We had spent that Saturday at the Montreal Biodôme. It was really great. I had gone there just once years before and going back was great. I took some very nice pictures using only my iPod! You’ll see a few right here.

Luckily, I was able to work today at my weekend job. After several months, I am now back working there. Not that it was wanted from my part, but I am desperately in need of money. So when I learn that there was work for me today this Sunday, I was like WOW! Not that the job pay that much, but working during the weekend pay my whole rent (555$), my Internet and a few little things. And it’s seemed it had started back for a little while. So that’s very good. But if I wouldn’t have call, I wouldn’t have work... That’s how it is with Quebeckers, despite being employed there for 3 years now.

Because as said, I am in need of money. Many not that desperately, but I had accumulated a balance of more than 900$ on my credit cards! My trip to New Brunswick cost me some $$$, as well as my mom coming here to Montreal for a couple of days... So overall, yeah, I spend some money. I got a haircut; I guess I look better now. I dye my hair. I didn’t take care of my color since this summer, this because I wanted to get my natural color back... The work of several months of non-coloration had gone with the New Brunswick wind within the matter of a few minutes... But I do look better with darker hair (which is now dark with red lol...).

Tomorrow will be my first day back from vacation of my week day job. At this time, I am just happy to be able to work and I wish I will be able to move from Montreal has I don’t have any affinity with Quebec people and I want to be able to live differently. I don’t want to hear from the Bloc Québécois, Pauline Marois, Gilles Duceppe, Amir Khadir or any other kind of Quebec freaks anymore.

Many things on the way, a lot of work too. And not to forget my promise to Frank (read previous comments) about posting my trade history... Some readers are really difficult and some other not. I am currently working on my next trade. I was thinking about the Claymore Silver. I want to do what I was trying to do with PHS.U. So stay tune for my next quick cash money making tip :)

Be careful when trading Sprott Physical Silver (PHS.U) in Canadian currency

I did somewhat of a real funny mistake today! I was so happy to be able to sell my 470 units of PHS.U at 15.67$! Especially knowing that the purchase was made at 14.88$ per unit. I had that bus ticket and other expenses I need to pay and I was truly excited about making a 300$+ profit on my sell of today 470 units of PHS.U at 15.67$. The only problem is that my profit was not of 300$+, but of 30$! Why? What happen?

At first, I taught it was TD Waterhouse fault. TD Waterhouse informatics system was down, something happen at the time of the transaction... I had made my sell at 15.67$ for the 470 units, I could see that in my order ticket. But the amount of money that appear in my Activity section was not of 7364.90$ (470 units x 15.67$), but of 7 049.68$. I was missing more than 300$ here! Where the amount went? Is TD Waterhouse stealing my money? What’s going on?

Well, TD Waterhouse did not steal any money from my account. I did a mistake and this mistake is from my own. It’s something I knew about but it never truly cross my mind. Because I had that bus ticket that need to be paid and I WANTED THAT 300 BUCKS!!!

Ok, so here’s what went wrong: When purchasing or selling PHS.U, there’s always something showing up about the currency that need to be check before placing the order. PHS.U is trading in US dollars. I knew that but... this has an effect whenever you decided to sell PHS.U. At this time, the effect is huge, because I could get that 7364.90$. What I been able to make from today PHS.U sell is 7 049.68$. This is just so funny!

Today, I made a 30$ profit out of my PHS.U sell, not 351.30$.

While trading Sprott Physical Silver (PHS.U), always keep in mind, even if PHS.U trade on the TSX side, it’s still in US dollars. This is confusing for the little investor that I am. But I will do better next time. I was told by a TD Waterhouse rep that it’s better to trade Sprott Physical Silver (PHS.U) in US dollars. It help to avoid the kind of crazy situation that I live today.... but just soo hilarious! One of the reasons why PHS.U is doing so well is that it’s trading in US dollars. I guess it could be one of the reasons. However, I am still a Sprott Physical Silver (PHS.U) fan, like to see it gain in value. I had been following PHS.U since November 2010.

I currently hold Sprott Physical Silver (PHS.U) in my TFSA. I am not in a rush to sell, but when PHS.U reached 20$, I will sell. Again... And that time, I will get my HUGE profit!!!!

In conclusion, TD Waterhouse never steal any money from me :)

Welcome K-Bro Linen Inc., 100 stocks of KBL in my portfolio

I decided myself quite quickly, I invest in 100 stocks of K-Bro Linen Inc. (KBL) at 20.25$ per stock. I am happy with this new investment which I believe will bring in a reasonable dividend and great stability to my portfolio. 

I don't plan to invest more at this time for today. Enough is enough and I want to get out of here!!

YEAH! I just sell 470 units of PHS.U at 15.67$!!!!

Now, my bus ticket Montreal-New Brunswick is fully PAID, thanks to the Sprott Physical Silver. It was 170$. Remember previously, I had purchased 470 units at 14.88$, I sell today at 15.67$ my 470 units for a profit of 351.30$ after commission fees. WOW! 

I couldn't wait for the Sprott Physical Silver (PHS.U) to hit the 16$ per unit...  If you don't need to cash in your Sprott Physical Silver now and your not in need of cash, wait for PHS.U to hit a 16$. Enter a limit order at 16$ for PHS.U and I am pretty sure that very soon, great money is going to be made from PHS.U, even better than now. 

In my case, I had many expenses to cover for this month. I am getting paid for this 2 weeks vacations, but add to that a little bit a shopping and not to forget that my mom is coming to Montreal. Fun, but that add up to the expenses. Ok, that 351.30$ profit could be seen at being nothing at all, it is not much actually, BUT that extra money in my pockets and I really need the money at this time. I wouldn't like to left something on my credit card because I cannot paid... Also, not to forget my online income of more than 140$ that I might had received by now... That make roughly a 500$! So yeah, the money is going to be use very quickly but gees, that's fun!

That's something to celebrate!

I currently have an extra 7 364.90$ in my broker account. My margin is down to 22 037.58$. Which mean I have 22 037.58$ at 4.25%. 

351.30$ goes in cash for my expenses. But what about the 7 000$+ left? What am I doing to do with the money? Invest or paid off debt? I taught about taking a 1 000$ to leave in my banking account in order to avoid the 3.65$ fees. It's soon the tax season. And maybe I will have a little extra to pay off... So I don't know if the whole 7 000$ will be use to invest. I am still thinking...

And by the way, Sprott Inc. (SII) is currently at 9$ per stock! I initially paid my stocks 10$ each back in 2008. Since 2008, SII played the yo-yo, which drive me crazy, but I was confident, I hold and now well, the Sprott Inc. (SII) is at 9$ and had paid this year a real fantastic dividend... 

The sun is out somewhere in the north of New Brunswick (where I am right now). I need to take fresh air. We are leaving tomorrow by bus for Montreal, me and my mom. Hello Casino, Biodome, Jean Talon market, Mont Royal, Eaton Centre, Oratoire St-Joseph, Stade Olympique and Old Montreal. Its going to be fun knowing I have a bit more in my pockets.

Sprott Physical Silver Trust UTS (PHS.U) hit the 15.59$ per unit today

The weather is really bad today in the north of New Brunswick but at least, my investment portfolio is doing well. My non registered portfolio is exceeding the 105k. I earn great dividend recently from Yellow Pages, Emera and Enercare.

And about Enercare (ECI) well, I sell all of my units a little while ago. And I cash in an awesome profit. I don’t like to sell any of my investment, but I did sell and I don’t regret it. I would have like to write a post about me selling Enercare but at this time, remember I am not home (if you can consider a one and a half apartment as home... lol). I cannot wait to go back to Montreal and move on. I need to do something else. I had been doing a bit of job search while being here.

There’s a real winter storm out there in New Brunswick! Nothing to compare the one I am use to. Schools were closed today. For a while, my Internet was not working. I went outside with my dad... He needed to go anyway to get his pills. I went to an Internet cafe, but we didn’t stay long, I could not concentrate while seeing all that snow. While being at the Internet cafe, I notice that my Sprott Physical Silver Trust UTS (PHS.U) was hitting the 15.59$ per unit. During that time, my father was sitting in front me, reading a magazine and gees, I have to say, I let go my chance to make a couple of hundreds of dollars. I didn’t sell my PHS.U units despite the 15.59$ value that was standing in front of me, among with my father... WOW...

A profit of more than 300$ was appealing, but I didn’t move and I soon saw the price falling below 15.59$. The timing was perfect, but I decided not to sell... And I regret it now. This is just because I truly believe that Sprott Physical Silver Trust UTS (PHS.U) will reach the 16$ per units very soon. But I could be wrong. Usually prefer to sell whenever the occasion to make money is there. Me and the stock market, it’s really a day-to-day situation. And today, I miss the occasion to make a very good 323.70$. That’s more than enough to pay my bus ticket. But I have to say, purchasing 470 units in one shoot of PHS.U while the units were at 14.88$... Well that was a pure genius trade, I can say that for sure. At this time, the Toronto stock market seems to be on a good track. Chances are that Sprott Physical Silver Trust UTS (PHS.U) units will exceed the 15.59$ per unit, can I say maybe tomorrow?

I regret doing “nothing” when PHS.U hit the 15.59$ today. So if it happen that PHS.U hit the 15.59$ per unit again tomorrow, I may SELL, cash in the profit of the sell and invest in 100 stocks of K-Bro Linen Inc. (KBL). I would like to reinvest major part of the money.

I have a lot of things in mind right now. Everything is getting mix up all together and I am a bit confuse.

SP Brunner review of K-Bro Linen Inc. (KBL)

SP Brunner of Investment Talk with SPBrunner blog reviews recently a company that I find very interesting: K-Bro Linen Inc. (KBL). I recommend you to read SP Brunner 2 posts about K-Bro Linen Inc. (KBL) here and here. SP Brunner never made stock recommendation – very good isn’t – but I like her stock reviews. Try to find on the Web a blog like the one of SP Brunner. You can stop right here, because you won’t find too many of them. She’s almost one of the only blogger out there doing something that I would like to be able to do myself: analyze stock. SP Brunner once gave a bad review of my favourite company: Just Energy Group Inc. (JE). I understood her view of Just Energy, but I don’t share it.

Despite SP Brunner bad review of Just Energy Group Inc. (JE), well, I have to say, we have a blogger who knows what she’s talking about. Someone like SP Brunner should be writing for specialize financial Web site or newspaper or something like it. She’s much more than a simple blogger.

Ok, after the flowers... The reason why I am writing about K-Bro Linen Inc. (KBL) is because I find KBL could be a nice fit to my portfolio. I recently invested in more than 400 units of Sprott Physical Silver Trust UTS (PHS.U) at 14.88$. It was a pretty good purchase, usual stuff you know lol... Currently, PHS.U is exceeding the 15$ per unit... Nice stuff, but PHS.U can hit the 15.50$, if not the 16$ per unit very soon. I had buy and sell some PHS.U units since November 2010. I know that the physical silver of Eric Sprott is very strong and it has the potential to help me recover from a 200$ (more or less) lost in Superior Plus Corp. (SPB).

So here’s the plan: once my big profit will be made out of the sell of my Sprott Physical Silver Trust UTS (PHS.U) units, I will invest in at least 100 stocks of K-Bro Linen Inc. (KBL). Good plan isn’t? I just cannot wait to sell my PHS.U units. I am looking forward for a 526.40$ profit.

New Brunswick fishes and Superior propane

That’s right… what you are seeing here are fresh fishes directly coming out of a New Brunswick lake… I am enjoying a few more days here somewhere in the north of New Brunswick before going back to Montreal with my mom. She really wants to come with me for a few days. My only problem is the money related to her stay at my place. Not that it will cost her that much. However, I will have to pay the metro for her and myself to every single place that she wants to visit. And expenses annoy me. And she annoys me too.

My mom doesn’t understand exactly what I do. She told me that the brother of my father lost around 25k in stock last year and went back to work to cover up. And my own mom told me that he’s intelligent, had a good career in telecommunication etc. But the poor man had lived in Quebec province all of his working life. I mean, something like that just f*** the brain. Don’t you think so? If an intelligent man had loss big money in the stock market, I could loss big myself too... Like wow... that’s pretty good, the level of confident she has in me. But I knew such comments were about to come from her mouth sooner or later now that she knows about my financial situation. And that’s why I ever barely come home or visit. I don’t want to have to deal with her, even if she’s my mom. I know the way she is. It will never change. 

And by the way, I am too smart to lose 25k in the stock market. Get that in your head.

I had lost money of course and I will probably again, but the gain had exceeded the money lost. I can deal and I know how to handle the risk. That’s all I can say.

Other few things are going on. I applied for jobs, I hope for a positive response and if so well, I will be able to leave Quebec province FOREVER and leave the freaks and the stupid Quebec sovereignist behind. Quebec province, well, Stephen Harper won’t ever say it himself, but Quebec province is a shame for the rest of Canada. I really hope that one day Quebec will separate, so no Canadians have to deal with Quebec stupidity, the same I had to deal with.

To skip directly for happier news: for the month of February, I made 141.75$ online from Google famous program. I haven’t been much active during the month of February on my blog and HubPages, so I don’t know if I will be able to make the payout for the month of March. Anyhow, that doesn’t really matter. I also made 10$ so far from Swagbucks, but I didn’t request my payment yet. I taught about accumulate more points in order to purchase something on Amazon.ca. With Swagbucks program, 700 points = 5$ PayPal payout and 450 points = 5$ Amazon online certificate. Gift certificates are both available for Amazon.com and Amazon.ca. At this point, I am just looking forward to accumulate more points. It’s a nice hobby, once you start, you’ll see, you’ll get addicted to Swagbucks.

Yep, I had snapped a pic of a Superior propane tank! I find this very funny, especially knowing that I recently sell 200 stocks of SPB. Bye bye Superior!

A 17.78% gain for DNI Metals (DNI)

I had been holding my stocks of DNI Metals (DNI) or Dumont Nickel (DNI) (I actually preferred the old name) for quite some time. Back in 2009, this was supposed a quick buy-and-sell to make out some money for the summer. It was supposed to be the money for sandals and one or 2 summer dress. But the dream ever happens. Back in the summer of 2009, I wasn’t able to sell DNI in order to make the profit wanted. All I wanted was a 200$-300$ profit. Not more than that. But it never happens. Despite the desperation, I did what I do best: buy and hold. I had been now holding DNI Metals (DNI) for something like close to 3 years.

I initially invested 690$ (+ 29$ commission fee) in Dumont Nickel. Currently, my investment in DNI Metals (DNI) worth 761.88$. Nothing to be very excited about, but a gain of 17.78% is absolutely awesome. I personally think that DNI can go higher than just 26.5 cents. I don’t have any explanation on today DNI Metals (DNI) fantastic gain. This very strange knowing that we are in the middle of the winter and I guess that, well, for metal exploitation, this is not the greatest time of the year, right? But some financial statement had appeared earlier in February for DNI and I guess that investors had been pleased with what they had read. Because no, I didn’t read DNI Metals (DNI) most recent financial statement. I am a long time investor of DNI and whatever happens to DNI, I accept it, I hold no matter what. Reason behind is that I don’t have anything to lose. Remember, this is a 719$ worth investment.

Today marks more than 100 trades for DNI. Usually, we only count 10 or so trades per day on DNI Metals (DNI). Something is going on and we are soon going to find out what. To sell now is not a good idea because a lot is going on for DNI Metals (DNI). DNI Metals (DNI) Alberta exploitation seem to be ongoing. My feeling is that DNI can reach the 30 cents per stock or even more. I like the way this is going on because the gains for DNI had been continuous and steady. It’s not like the stock hit the 26 cents to immediately go back to the 20 cents or something like it. That’s why I like the feeling of the recent DNI gain. At this time, I will continue to hold DNI and wait for something extraordinary to happen, just as for everything else.

Mom, I invest in stocks

I am still at home in New Brunswick. My mom always worry about me because of my frugal living style. I always been the way I am right now, meaning counting every penny to the cent without being scared of cutting unnecessary expenses or anything else. Without being scared at all.

So just to make her feel better about me, I told her I had 82k in assets and I try to talk a bit about my investment. She was surprised by the sum of money I have under my name. She asked me: how were you able to do that? I explain I was investing in stocks etc. She took it well. Not that I taught she was going to tell me to sell or anything like it, but I came from a family who doesn't know about the stock market. Not knowing is ok, but I was scared she was going to make pressure for me to sell everything I own. She didn't. She worried about fraud, but I explain basically that I am the boss, no one have a word to say with what I do with my money. No one control it except myself.

I was listening tonight to the Mount Real Montreal financial fraud scandal. There was that interview of Bruno Pelletier who lost 250k in the Mount Real financial fraud. In total, 1 600 investors had lost big deal of money in Mount Real.

My secret for financial success is the same I had been following since 2005. It's all about managing the money yourself and pushing to get the money invest in financial products that I wanted. Before getting a broker account, I had to deal with Quebeckers who believe are great financial advisers and got it. Each time, I had to fight to get the mutual funds I wanted. With Quebeckers, I was always getting comments of the kind that I don't know what I am doing, I shouldn't invest in this or that, etc... I had wrote several post with title "horror stories". You might want to search "horror stories" in the search engine of my blog located in the right inside of this blog. Dealing with Quebeckers and French people when it come to my financial life has always been a hassle. Quebeckers are not competent enough to be successful in finance. It's not because I am temporary living in Quebec that I am going to let some little incompetents deal with my money.

While living in Quebec, it's difficult to get things done my way, but I am going to share a couple of my tips to help you escape the misery if, like me, you are a Canadian living for now in Quebec province:

Financial tip 1: Always deal over the customer service through the phone. When calling (bank or any other institutions), always select the English line. by selecting the English line, you increase your chances to get someone from a call center in Toronto or someplace else, someone who will be willing to do business with you correctly.

Financial tip 2: It's part of the financial tip number 1, but as number 2, I will say, while living in Quebec province, try to avoid face-to-face appointment with a representative, whenever it's for a RRSP contribution, loan request or anything else. I had lost time with Quebeckers in many occasions. At the end, I always had to resolve everything over the phone, through customer service.

Financial tip 3: Know what you are looking for. Never accept no as an answer coming from a Quebecker. Don't let them pushing you down. You know what you want and it's ok for you to get what you want. If a Quebecker disagree with you, you have the right: to disagree with them and leave a deal unclosed if you don't agree with a decision concerning your finance. Remember: you're the boss and you can get what you want.

Financial tip 4: You are finally getting something, a credit card, credit line or the investment you had been waiting for very long? you will have paper work to fill. READ VERY CLOSELY EVERYTHING. I don't care if it take you 15 minutes or more. READ and make sure that what you have agree appear in the documentation. You don't understand a part of the document you're about to sign? ASK questions, make things clear and get what you want. ONLY what you want.

Financial tip 5: When it come to your personal finance, only deal with banks.

Financial tip 6: Open a broker account. This will open new financial opportunities, leaving you as self-started. Go with TD Waterhouse. Easy use and offer a 24 hour customer phone service.

This is all what it come to mind for now, but I may get into other ideas. You may say to yourself: that girl is a complete freak who hate Quebeckers. You may be partly right on that. BUT, I had gone through a lot of things in Quebec. In numerous occasions, I was pushed down, I had been fired from a teller position at BMO Bank of Montreal, I had been refused stuff I wanted. I know how Quebec province is and I can tell you, the financial services here are really ugly. The Autorité des marchés financiers doesn't do the job. As a Canadian, I want to get the best of everything and the only way to get that is to try to stay away from Quebeckers. Quebeckers don't have the brain it take to be able to provide good financial services because they don't believe in Canada as a country.

Another financial tip 7: don't invest in the Caisse de dépôt et placement du Québec or in the Fonds de solidarité FTQ. On the long run, if you respect the diversification rule, you'll do better than any managers of the Caisse de dépôt et placement du Québec. Michel Sabia thing that the Caisse de dépôt et placement du Québec is doing a great job because of the 13% earn in 2010. 13% for 2010, but that's not enough to erase the mistake of the past. Henri-Paul Rousseau was a bad manager of the Caisse de dépôt et placement du Québec but he was hired as Vice-President of Power Corporation of Canada. Power Corporation is an asset management company located in Montreal. Quebec financial system is full of personalities of this type, just willing to acquire a situation to be able to make money and use the money of the middle class for corrupted activities. Don't ever put your faith in Quebec financial system.

In other words: take the place you deserve and leave Quebec financial system behind. I had been investing since 2005 in Quebec province. I had gone a long way since that time and well, I think I know a little bit of what I am talking now.