My first car...

One week had passed at my new job. I cannot complaint. It all went very fine for the big major part of it. For the car thing, my mom decided to give me her car. My mom very much like Toyota Yaris car. It’s a cool little car. She went for a second hand silver Yaris. I don’t have too much problems to drive my mom car, an Echo. So now, I am now the owner of an Echo car, which worth about 5 000$ with the winter tires.

After work Friday, I went for registration for my first car insurance. The cost? 1 297$. I took a real basic package that covers for as much as 1 million dollar in case I caused somewhat of a car incident. I could have save close to 200$ if I would have took the 200k protection. Problem being that in case of a major accident, it could happen that the damage reached much more than 200k. So to keep my peace of mind, I went with the 1 million protection and pay in cash the 1 297$ for the car insurance. The amount is quite heavy, but it’s because I never had a car of my own before, I never had been registered as second driver for a car. Personally, I always prefer to use public transportation. A lot more cheaper and safer.

As you can imagine, now I am kind of broke but confident I will be able to catch up in the next couple weeks. My trip to Ottawa, my move from Montreal to New Brunswick, car insurance and ho... shopping, shopping, shopping... you know, all those things needed but I never bother to buy. Like a travel suitcase, shoes, new running shoes, tops, pants and how many other things... But won’t thing for sure, I won’t have to buy anything for a little while and I am currently on a frugal mode. I now have everything I need. And currently, what I really need is fresh new CASH.

Here are my current expenses:

Balance accumulated on different credit cards: 1 918.51$
Car insurance for 1 year paid in onetime payment to avoid the interest fee of 3%: 1 297$

TOTAL: 3 215.51$

Yeah, I know...

I currently have a 1 500$ available in my banking account that I can transfer over my credit cards. I will be receiving a pay check next week for my current job. I am also waiting for a big paycheck of 1k+ from my old job for money that I had left for my vacations. I should be all right to pay it all and I am very lucky to be able to do so. Because I really don’t hold anything in term of immediate available cash. I live paycheck per paycheck. However, I do have some savings, it’s just everything is fully invested and untouchable. An emergency, laid off are among the kind of events that will make be sell my stocks. I lived emergencies before, I been through laid off. I never had to sell my stocks. It represent much more than you can even imagine to me. And it’s not anytime soon that I will be canceling my DRIP.

I will see how it goes, but I may not be able to invest again anytime soon. I want to invest in a few stocks of CNR to help stabilize the value of my portfolio. I know I didn’t update my portfolio value since a really long time, but with the stock market going upside down, I didn’t feel like updating my portfolio was a necessity and I still feel the same in date of today. My non-registered portfolio closed Friday session at 107 192$. Before the stock crash of August, my non-registered portfolio was at a very good 113k. I am at minus a 6k here. Do I feel like updating my portfolio value? No not at all. I don’t have anything to hide, I always been fully exposed here on my blog, it’s just going through a -6k phase inside my portfolio is difficult to go through, but I am able to deal with is. I mean now, my strategy is to invest in extra high quality stocks, exclusively blue chips. One part that really don’t like with that strategy is that high quality stock, the type I am trying to add to my portfolio, well, those ones only pay very little in dividend. I guess I will get use to it. At this point, I find EnerCare Inc. (ECI) very tempting. I wouldn’t like to invest in it when the price hit 8$ see what I mean. On the long run, I guess I could mix blue chips with other whatever chips and alternate...

While moving back home in New Brunswick, my monthly budget is about to change but I will do my best to control my expenses because I really need to control them.

Here was the “before” budget, while living in Montreal:

Rent: 555$
Internet: 50$
Cell phone: 41$
Line of credit #1 minimum payment: 100$
Line of credit #2 minimum payment: 65$
RRSP loan: 108$
Credit card balance transfer minimum payment: 44$
Student loan: 100$
Groceries and other: 450$

Total: 1 513$

And here’s the “after”:

Rent: NONE
Pension for my parents: 300$
Internet + extra cable channels: 50$
Cell phone: NONE
Line of credit #1 minimum payment: 100$
Line of credit #2 minimum payment: 65$
RRSP loan: 108$
Credit card balance transfer minimum payment: 44$
Student loan: 100$
Groceries and other: NONE
Gas (for my new car!!): 40$
Extras: 100$

TOTAL: 907$

Money saves by being in New Brunswick: +606$

Yeah, so while living in New Brunswick, I won’t be paying any rent. So I asked my mom who much she wanted. She said 300$ so ok, it will be 300$. I could even give her 400$ that it wouldn’t be a problem at all. For now, I won’t be complaining, it will be 300$ and I gave her a 150$ for this month.

I now have Internet installed at home and I am very happy! I got it with Rogers. The 50$ include the Internet and a few extra cable channels for my dad. I am pretty much all set now. Moving from Montreal to New Brunswick hasn’t been difficult, but it involves a lot of preparation.

While living in Montreal, I was spending a lot of time outside of my apartment, that’s why my expenses were higher. Here in X town of New Brunswick, we barely have any cafes at lot, if not a Presse Cafe. And ho misery, there’s no Second Cup! Right there alone, it’s a 50$ per month that I am saving... I no longer buy coffees most of the time.

I guess this post was detailed enough to give you a portrait of what my life is now that I am living in that X town of New Brunswick. My life had changed drastically, maybe for the best. I no longer hear customer speaking in my ears (I am not missing my old job in a X call center) and I no longer lived in the Quebec corruptible province. Have all a good weekend.

My non-registered portfolio closed September 13, 2011 session at 106 278.49$

It’s my first week at my new job and so far, I guess it’s been ok. I currently don’t have Internet at home and I try to avoid to actually surf – or even worst – blog – at my job. This mean that I don’t have a clue of how good or bad the stock market is doing those days. My schedule is currently from 8 to 5 and it’s now impossible to follow my stocks in real time like I was doing before. It’s a real drastic change. Do I miss my old job? Certainly not.

I wouldn’t have continued to work in a call center forever certainly not. I don’t miss earring customers in my ears. Despite everything bad I wrote about Quebeckers, I have to say, I never had problems to pay my bills while being in Montreal. I was living in a nice neighbourhood. I sometime get back home very late at night and I never had any trouble. Most of the 100k+ portfolio that you are seeing in here had been build in Montreal. I bought my first stocks in Montreal, made a lot of money, lost a lot of money too... But despite it all, while being in Montreal, the gains always exceeded the lost. That’s what I really focus on. I don’t care if I lose money from time to time. What’s really important is the overall result. My overall result had always been good in Montreal. Would it be as good while living here in New Brunswick? That’s what we are going to figure out in the months to come.

What I do miss is the stock market. But even there, I wasn’t doing much management. In front of a stock crash, my portfolio followed the crash. I wasn’t practicing any management, I just like watching. I learned most of what I know by watching the stock market. Some people like to watch TV, but I like in life, is to be there in front of the thing. I want to be able to watch the destruction or at the opposite, to be able to get my self-satisfaction just by looking at the gains. But now, there’s no more of the stock market in my life and it kind of suck. Do I miss Montreal? Well, now, after a couple of days, yes, but just a tiny bit.

I cannot say I had completed and gave my heart in an intensive job search while being in Montreal. I just didn’t give too much a damn of what I was doing as work. Just being in front of my laptop watching my stocks during daytime was enough to satisfy me. I don’t have that much, but I felt confident I was able to significantly increase my dividend income. In a previous post of this last month of July, I wrote about a reorganization of my portfolio that could have brought something like 8k in dividend income.

The problem being that I can be lazy and barely nothing can satisfy me. My move to New Brunswick was a real quick one but now I guess everything is more or less back to normal. If I apply to the job and accept it, despite knowing what I was about to loose – the liberty to watch my stocks in real time – it’s because my work began to annoy me and I needed a change. And it’s all happen by magic. I still don’t understand any of it but I won’t try to get it. I know more than anyone else how much the workplace can be terribly difficult. I apply to the job but it was kind of a miracle it happen because I wasn’t much interested at first because I knew what I was about to lose. And one major thing had to be taken care of: to refresh myself on how to drive a car and to actually buy one. We talk about that before.

I am terrible driver. On the afternoon of September 11, after spending the morning in my pyjama crying while hearing 9/11 family member victims testimony, my mom took me and asked me to drive her car. Aren’t you scare that I broke something? All I wanted is to stay away from the machine. But my mom know me, she actually the one who initiate the whole thing. At least, I have my driver license. The problem being this is that after spending 5 years in the Montreal area, you can easily imagine, I never drive while being in Montreal. And while visiting home, I drove a couple of times, that really all. I always dislike driving. The car annoys me, the engine. Currently, one of my biggest challenged is to actually stay on line lol..

I am not that of a bad driver ok. I just need more practice. This is causing an immediate distraction to my activities. I am completely disconnected of what use to be my life of before and that side bother me. But that’s not all. I saw that girl in Ottawa that I used to go to high school with. I try to avoid her but since I notice she recognize me, I went to her to say hello. And there she basically made fun of me because I left overseas and I never wrote to her. Like that girl was just someone I knew like that. Someone I used to go out with from time to time, but it never been a real friendship. Like we were not calling each other, she never went to my home, that kind of stuff. She said to her husband something of the like oh after a while she find herself smart, went overseas and we never heard of her ever again. Just like if I ever care! I am not interested in superficial friendship. There’re that kind of people who just want to take a seek at you just to find out what you are doing, are you married, do you have a good job, are you rich? Well, for me, all the answers to those questions were and are still a big NO. BUT, I have the liberty to do what I want and that’s how I live my life. While my mother being there, I try to remain friendly and when she asked for my telephone number and email address, I gave it to her. But if I would have been alone, without my mom next to me, I wouldn’t have stop by, I wouldn’t have talk to her, I wouldn’t give her my telephone number and email address. I am not under the obligation of doing anything of that. I don’t want to reconnect with old friends. They all annoyed me and never provided any support on what I was going. You didn’t know, but I will tell you. I won’t be here in X town of New Brunswick forever. But I am for now.

Wow, I know, the fact that I move to New Brunswick haven’t change anything. It didn’t change me. I won’t deal with any kind of bastards. My non-registered portfolio closed today session at 106 278.49$, which is not too bad knowing the current market fluctuation. My portfolio is able to be without me. I had been through this kind of things before, not be able to follow my stocks in real time. That I am there or not doesn’t change anything, it’s just provide a feeling of not being there in the action, not being there when the real important stuff happen. I am happy with the number. I checked everything on a regular basis. In term of dividend earning, I am now very close to the 5k. Quite good at this stage.

My goal is to boost the dividend earning to an annual 15k. It will take a lot more in cash, but I think I may be able to do it. Certainly not in a year of now, but still, it will be interesting to see how it goes. So of course, as always stay tune, dear readers.

Remembering 9/11

On September 11, 2001, when the terrible events happen, I was in my hometown in New Brunswick. And today, 10 years later for the 10 year anniversary of 9/11, I am where I was on date of September 11, 2001. In the same town, same province and about the same place. And this is very special because 10 years ago, I never taught I would be able to find work in my hometown, but it actually happen.

In the morning of September 11, 2001, I was actually at the library when I first hear of what was going on in New York. I was about to travel overseas to complete a degree (in French of course) on that year. Previously, I had completed a first year overseas in another degree and I was just about to leave again for another year. Without having a lot of money, I was able to manage my student budget and I basically got all the degrees I wanted overseas. I don’t like the actual university structure in Canada. I find the education system being way too much expensive. Just like if being around those university professors really worth it. I find it all a very fresh, artificial and superficial system as well as extremely arrogant. You need to be a fool to enroll in a Canadian university and pay those high tutorial fees. I will never hold a Canadian degree and so far, I do not have any regret. It’s not something that was actually plan a long time ahead, it just happens like that. But no matter what, I got pretty much what I wanted in term of education. I don’t want to be an individual in the bunch of fools, sorry if I sound very offensive. I don’t want to participate in feeding the pension plan of those arrogant Canadian university professors. I am against capitalist when it comes to education. But in Canada, citizens accept the fact that we have to pay high fees to get an education. I do not agree and as long I am concern, I will reject that form of oppression. But it true that for the past couple of weeks, I taught about going back to school, this time in Canada. That was before finding the job I am about to begin really soon.

That being said, I am currently watching the memorial of 9/11 at TV and I guess that back in 2001, I did not understand what was going on, I did not understand the plan crash. That day was a beautiful sunny day. I return home and my dad was there, asking me not to panic. I went straight to the TV and saw 2 building in fired. It could sound strange, but I never heard of the World Trade Center before. Later on, I went to my grandmother house. I remember going outside the house and looking at the backward, where we have a view of the State of Maine. There, it was calm as always and there was no sign of the actual chaos going on in New York. I remember thinking of how much close to New York we were and it’s about all of what I remember of September 11, 2001. Many things happen since that time and it’s about all I can remember. That and the confusion. I remember also looking outside and thinking that a war was going on. It was clear it was some sort of an attack. It was breathtaking. Here a picture of our backyard. The land you see on the other side is the Maine:

I find the 9/11 memorial very beautiful but the memorial ceremony is very difficult to watch without crying. Here in New Brunswick, the day is as beautiful as it was back on September 11, 2001 and I am where I was 10 years ago, I am home. This is somewhere closed to the unreal.

And following 9/11, I was taking the plan. I wasn’t scare, but while waiting in line for the security, there was a dead silence. Usually, there’s a lot of noise at the airport and while waiting on line, people chat. But at the time, it was a complete silence. And when I show up for another schooling year, there’s one teacher, he was actually a Latin teacher who could not believe his eyes that I was actually there. I guess it was a mix of being there shortly following the 9/11 and also, a surprise to see me while I had a difficult time to adjust to their educational system just a year before. There was more work that I was actually able to handle. They shouldn’t have given me the degree lol... Anyhow, I was happy to be back. I was young, without any fear of nothing and there I was for another university year. That’s how I was in my twenties. I am still the same person 10 years later. I am now 31 but I am pretty much the same of what I was 10 years. Nothing has really changed, at the exception that I am now about to work full-time in my hometown. That never happens before, if not during the summer. I am still very chock about this sudden move to my hometown in New Brunswick. Many things happen in the last 10 years but my recent move to back home is certainly the most surprising, stunning one.

Barack Obama favourite cookies are Canadians

While being in the process of moving from Montreal to New Brunswick, I had the super good idea of bringing in my mom for what had become a trip that we’ll remember for a very long time. At first, my mom didn’t want to come to Montreal, but after her and after arguing, she finally decides to come. But I have to say, traveling from X town in New Brunswick to Montreal is not something easy. The bus ride is quite rough and the more I ride in bus, the more I find it difficult and really not comfortable. I can barely stand sitting on their sometime leather, sometime material made in bus seat. Anyhow, my mom and I, we are both done with traveling for the next couple months, that’s for sure.

My mom arrived in Montreal on Friday night last week and the following day, we were on our way to Ottawa. I know the city of Ottawa very well because I had lived in the area for about 2 years before leaving for Montreal. I left my unpack suitcases in Montreal and we quickly went to Ottawa for 2 days. It was the first time I was visiting Ottawa since I had left.

We arrived to my brother place late on Saturday evening. On Sunday, we wake up late, get ready and we went for an outdoor visit of the Parliament. We went for a walk downtown Ottawa. We continue our way to the Rideau Canal and later on Sussex Drive.

We stop by the Byward Market and we went to a cafe name Le Moulin de Provence that Barack Obama had visited during his Canadian Tour back on February 19, 2009.

We all order one of those now famous “Obama cookie” and it was real funny.

I pay for my mom and I and 2 Obama cookies with 2 regular coffees cost me something like 13 bucks. But hey, that was the cost behind eating a cookie that got eat before by Barack Obama himself... We later on went for super but eat really little, as we were still full of our Obama cookie... lol... Getting an Obama cookie was something in my mandatory what to do list.

So I did it, I had eat an Obama cookie.

Adios Montreal, thank you and goodbye

The past couple days had been quite busy. I had been working moving from Montreal to X town in New Brunswick. I had been able to find a job in my field AND in my hometown, which is quite incredible. This was my ultimate chance to escape from my actual work. I had been working in 2 Montreal call center for quite some time. It wasn’t a job related to my field at all. I enjoyed the work, but after a while, I got enough of working during holidays and of my 7 days a week work. For financial reasons, I was working at 2 jobs. I was doing well, but I had reached the point where I really needed a change. And the change had come. All naturally.

The past 2 weeks had involved a lot of cleaning, packing, shopping and phone calls. Knowing I was about to move back home, I call everyone from the Quebec government to my credit cards to make my address and number change. Just doing that part was quite something. I cleaned and donated to charity a lot of stuff I didn’t need anymore. Movers were asking between 700$ to 2 000$ to move my personal items from Montreal to New Brunswick. I did not have any furniture, just personal belonging, about 20 of things composed of box, suitcases, etc. I taught I was able to get the thing done for about 400$, but movers were asking a lot more than that. So I decided to ship everything using the bus transportation service and it work out very well. Everything had been shipped for less than 300$. The reception delay had been of 24 hours. I proceed with 3 shipments and already 2 had been received. Today shipment was the last one.

Even if I had been extra busy, I asked my mom to join me for my moving. We had a fun time. My mom arrived on Friday night of last week. On Saturday night, we travelled to Ottawa. We visit my brother. We were supposed to take the train, but we finally took the bus because it was easier for the schedule since there was one departure every hour to Ottawa by bus. We spent 2 days with my brother. My mom never went to Ottawa before and I wanted to bring her with me. We visit and even went to eat an Obama cookie, which was very funny. I took pictures of all that of course. We left Ottawa Monday evening. I spent the past couple days concentrate on my moving.

While hitting back to Montreal, I bring in my cousin to my one and a half apartment as a surprise and my mom was happy to see him. Surprise! All together, we went to a fancy Japanese restaurant located on St-Laurent boulevard. It was quite fun. I am leaving Montreal in peace. My cousin is doing ok.

I am now closed to the 2k in all kind of expenses: clothes, shoes, jacket, restaurants, bus and metro tickets, etc... I was in need of a lot of things but I never bother getting any of them. I got a nice pair of shoes and some nice tops, among other. I am done with shopping for a little while. Money had been made to be spend and trust me, I had spend quite some money during the past couple days. However, I am confident that my today pay check will be able to cover major part of those expenses because I had some vacations accumulated that were supposed to be paid.

While moving back to New Brunswick, I will be moving back to my parent house. At least for now. It will help me to save some money. My one and a half Montreal apartment was cute, but I began to feel trap, especially while receiving some visitors. My next major expense will be a car. Sooner or later, I will need one. I have my driver license, but while living in cities, I never bother to get a car. I am always looking at new ways to save money, so just having a metro or bus pass had always been enough. But now that I am moving to that X town in New Brunswick, I will no longer have access to public transportation anymore for the simple and good reason that there is NO public transportation to the “city” where I am about to move. The Dividend Girl is simply moving to where she truly belongs: to the bush... lol.....

At first, I wasn’t really happy about that car thing. But fact is, my parents won’t be giving me rides and they want me to get a car. Thanks mommy and dad! lol... It began to be a complete trauma. I mean, me driving a car? Do you really want me to drive a car? Holly f*.

It’s unfortunate, but I need a car.

And during that time, my portfolio had been doing well. My non registered portfolio closed today session at more than 109 500$, which is really good. I should be able to place my next investment by next month I guess even with that car thing.

Quebecker Michaelle Jean, ex Governor General of Canada had used tax payers money to fly on private jets for her family vacations

I had been quite busy, but I still have time to write on here! Good news, my cousin finds a job in a drugstore. I prefer that kind of job rather than a call center one. I had worked in many Montreal call centers and truly, having to speak, arguing if not yell at customers haven’t been the most rewarding thing. Not exactly in term of reward, but I mean, having to sit at a desk in front of a computer screen and take calls, it’s not exactly the kind of job I wanted for my 19 years old cousin. I would have like a waiter job for him. In a busy restaurants, with the tips, I heard some people making as much as 20$ per hour if not more. Anyhow, I am release. At least the cousin can support himself while being in Montreal.

I am under process of moving back to New Brunswick and I had been very busy. I decided to complete this final week of work, but working and preparing my leave at the same time haven’t been easy. I had been cleaning, giving stuff away, throwing many garbage bags. Don’t ask me why, but I used to accumulate financial reports, papers, magazines, newspapers... It’s been an in deep cleaning of my couple of years spent in Montreal. I am almost done with the cleaning part but completely exhausted. I expect to complete that this night actually.

My mom is coming for a last visit in Montreal and we are going to visit my brother in Ottawa I guess this Sunday or Monday. I will try to go with the train instead of the bus. I never took the train, so it could be fun. Me and my mom will be leaving Montreal by the end of next week. I am trying to get everything done and completed by tomorrow before my mom arrived.

As you can imagine, all this didn’t leave me too much time to follow my portfolio, but I did the best I could. And so far, only good stuff. My non-registered portfolio closed today session very closed to the 110k. If it continue like this, I will be back on the old 113k track of the before August stock market crash. I am doing well.

I am starting a new job by mid-September and I am just hoping for the best. I will be receiving a good pay check from my current job because it’s going to include my vacation pay. I had quite good money accumulated in there, more than 1k. And the job I will be doing in New Brunswick is well paid. So no doubt that really soon, I will be able to invest in CNR just like it was planned... Another good things being that while being in New Brunswick, I won’t be paying rent because at 31... I will be living with my mom and dad. Nothing of this had really been plan but I wanted to move back to New Brunswick as soon as I got here in Quebec province, about 5 years ago... Time had passed by quickly. Following my uncle death in February, I got into that new thing. I had to find work in my field in New Brunswick. And now, it’s happening. It was about time. My evening job was exhausting me. I was also working at another job during the weekend. Here in Montreal, I was working 7 days a week nonstop... Money was ok, but not that sustainable. However, it’s in Montreal that I build major part of my investment portfolio.

No matter how things turn out, I was in need of a change and I got what I wanted. In case of bad luck at that new job, I will certainly qualify for unemployment insurance. See, everything had already been planned, that I fail or succeed. I won’t mind having to go under unemployment benefit truly, because the little me is exhausted. Totally drain out. My knees are hurting as well as my arms. My arms, I understand, but my knees??? It could actually be the feeling of a body under severe exhaustion. Trust me, the feeling is real.

And during that time, the fuc**** as**** beep beep beep Quebecker Michaelle Jean, ex Governor General of Canada got caught on using tax payers money to fly on private jets for her family vacation. Go F yourself Michaelle Jean cheater.

Home Sweet Home

What’s happening now is quite unbelievable. I had been trying to relocate in New Brunswick since a little while now. Actually, the death of my uncle in last February is what started it all. And now, I am on my way to move permanently to New Brunswick, back home. Everything happens at the same time: my cousin in Montreal trying to get a job and me trying to get out of Montreal. I knew it was my chance, I took it. The past couple days, I felt drain, over-sleeping, over-working. I was in need of a major change. It was this job or something else was about to happen. I taught about going back to school (how about English courses?? lol) among other. I was willing to do absolutely anything to get that something else.

I don’t know what I am doing wrong, but it seem like my cousin is not able to get a job here in Montreal. I got my interview last week, and I learned today... I am hired. And I feel really good about it. Like all my stress is gone. I feel bad for my cousin. I gave his resume to a guy I work with who know someone who could hire him in a call center... I just don’t get it why it’s so complicated. He just won’t to get a job to be able to pay his rent and his food while he’s in Montreal. It’s not like he’s looking to get the five star jobs. But in a way, maybe it’s a sign he need to enrol to whatever program and do something more. I really don’t know. I refer him to the place I work. I could possibly refer him to my weekend job. I mean, at this point, I even spot jobs for him. But now I barely have any time left.

My mom is funny. She wants me to put all of my stuff on the bus... I mean, I don’t have any furniture. But I have box and box of different things. I already made a lot of cleaning, but at this time, I just want to get someone to move my stuff and I hope that part goes smoothly. I already spend a couple of hours today over the phone, doing address changes. I am not even done with that, but almost. Next thing will be to take a deeper look into my stuff to see what’s valuable to keep. If I have too much stuff, I will have to seek for a mover. The perspective of throwing away things is not something I am very pleased with anyway.

Hopefully, my mom is going to come for a very quick weekend. If it works out, we are going to visit my brother in Ottawa. But please anyone, don’t tell him, it’s a surprise! :0)

My non-registered portfolio closed August 26, 2011 at 108 226.79$

and... TOMORROW is my BIRTHDAY!

31............

For my 31th birthday, Kinross Gold Corp (K) finished today session at 17.35$........ Yeah, I know....

Who look sexy smart now????

MEEEEEEEEEEEEE!

31 = $$$

The no hassle investment portfolio

I am quite busy at this time. I work a bit on my cousin portfolio and seek for jobs for him. I am just hoping he’ll be fine because I have many things to do. I finally did my hair coloration and I feel much more better! I need to do my hair at least once every 6-8 weeks if not, I look horrible, with many shades in my hair. A darker red cover it all, but it need to be done once every while.

My portfolio data for yesterday were very good:

Non-registered portfolio value: 107 992$
Money used on margin: 43 669.37$
Money left on margin: 16 339.33$

So far, my non-registered portfolio is exceeding the 108k. It seem like Jack Layton funeral service is doing to happen on my birthday, which is very sad, but very kind of an honor at the same time. Jack Layton will be link to me for the rest of my life.

The portfolio remains stable, but truly these days, time is running. I barely have time to stress about my portfolio. And it’s a blessing to be able to do my things without having to worry too much about it.

My cousin needs to get a job.

New Flyer Industries Inc. (NFI) to complete its fantastic conversion

Today non-registered portfolio data were quite interesting:

Non-registered portfolio value: 106 846$
Money used on margin: 43 651.35$
Money left on margin: 15 643.72$

This is nothing very fabulous. But it’s actually what’s going on in the inside that is quite interesting. Just like expecting, K, PHS.U, PSLV and FR had gained in value, HZD had lost in value... and New Flyer had transformed itself into a real corporation. As you can see, I expected everything to go this way. The late New Flyer Industries Inc. (NFI.UN) no longer exists. A new company to the name of New Flyer Industries Inc. (NFI) had taken the place.

I am grateful to TD Waterhouse: despite the fact that I had deal with a Quebec license broker, my order to exercise my rights regarding New Flyer Industries Inc. (NFI.UN) had been executed properly, just the way I wanted. But to actually take the decision to exercise my rights wasn’t an easy decision to take for me because I barely understood what was going to be the effect. However, there was no doubt in my mind that exercising my rights was the right thing to do. I didn’t understand, but I have a sense of what I was doing.

Here we go. The facts and only the facts.

Before today conversion, my investment in New Flyer Industries Inc. (NFI.UN) worth 2 444.59$. Before the conversion, NFI.UN units worth around 7$ each. Following the conversion to the newest New Flyer Industries Inc. (NFI), NFI, now stocks, closed today session at... 0.75 cents. Is this a benefit at all? The answer being yes for the long term as my original investment in NFI.UN had duplicated into X times multiple stocks of the newest NFI. This transformation had increased the amount of stocks that I hold of NFI. So far, I had experiment a capital loss of close to 900$ with this transformation. But this is in nothing really dramatic because I am going, on the long term, get a maximum of cash from this. Believe it or not.

As far as I am concern, my investments are all made for the long term. I decided to invest in each and single of them and there always a reason behind. In case of NFI, I liked the cool name “New Flyer”, I love their fabulous bus designs. I love the fact that NFI is located in Winnipeg. When it comes to NFI.UN I love it all and the fact that my original investment made in NFI.UN had decreased in value didn’t change nothing of the appreciation. And New Flyer Industries Inc. (NFI) knows how to share the love. In September, I will be earning more than 100$ from NFI in dividend income. That’s going to be quite something. I am wishing for the same big amount on a quarterly basis. I am far of getting it all when it comes to the newest very fabulous fantastic New Flyer Industries Inc. (NFI). However, I am ready. Get ready for the dividend cash baby because I am ;0).