Remember the date: 11th day of the 11th month. The year? 2011

 

I went to the remembrance ceremony this morning. It was quite cold, but at least, there was no snow. You can check it out on the pictures I took. The TSX is open today. My non-registered portfolio is hitting the 110 535.19$! That’s very good actually!

And I have a major announcement to make!!!

I had hit the 6k in dividend income so far for the year 2011!!!!

Yeahhhhhh

And the best is that next week is pay day so I will have some cash to invest. So another investment(s) is/are about to join in very soon! It could be interesting to add some Canadian Tire Corporation (CTC) stocks in my portfolio. I think it could add diversification. And I also wanted to invest in Potash Corp. of Saskatchewan (POT).

For December, I could easily see myself invest in Enbridge (ENB) and also in Bell Aliant (BA), but we’ll see.

Following what, for the first time of my life, I will be more or less out of investment stocks idea. It will be the perfect time to pay off some debt... or go shopping.

And talking about shopping, I am going tomorrow to a shopping trip to Quebec City. I need a good pair of boots and a pair of earrings. And I am sure, I will get some other stuff.

Remember, money had been made to be spend.

Capital Power Income L.P. (CPA.UN) is forever gone

These past couple days had been quite busy here in New Brunswick! First of all, I find out that my boss cannot handle on his own single salary the mortgage payment for his house. He can treat me like shit as long as he wants, talk in my back, but I know for sure that with my superior portfolio, I am on track to hit gold baby. Forget about driving the car of the year or getting the big house that will just eat more than half of your paycheck every single month of the best years of your life. In today reality, it’s really important to be completely out of track, be very off and be off of the popular gigs. I build up myself gracefully by being always at the complete opposite where no one expected me to be, maybe just as graceful as getting my punch in a or in your face, maybe, depending if you like me or not.

Days passed by, stock crashes after stock crashes... Unfortunately, my non-registered portfolio is now below the mark of the 110k. I was getting excited when it exceed the 110k. This is simply the result of the current economy we are in right now. My non-registered portfolio closed today session at 108 573.83$. It’s really rough to invest in today’s market condition. There’s absolutely no stability what so ever. Retail investors need to get a good beat of the Canadian stock market and really see how things are crazy out there. While facing the disaster, no one can really tell which way is better to follow. It’s at the discretion of the investor to choose to sell, or to buy, to cash in some capital gain or capital loss. I am certainly not in position to provide any advices, but what I know for sure, it’s not anytime soon I will stop investing. I wrote about that multiple times before. But let’s do it again ok.

I had received recently great dividend from CFX (41.60$) and HGY.UN (16.58$). So for the dividend part, my portfolio is very great, but it could be even better in a close future. The only problem I am getting at this time a time management problem. I need to fix a more regular routine so I can do everything I want to do. I had been here in NB since September now, but I cannot say I am 100% in the damn investment thing. Because see, it’s great to pick my stocks depending of what guys like Derek Foster, Eric Sprott, Gordon Pape and please let’s not forget about Jean-François Tardif and other people have to say about the stock market, not to forget the girls, Susan Brunner as well and readers, of course. The process has to come from my own self. And this is the challenge I am facing at this time, to be more efficient on the way I pick my stocks.

Because of a poor time management, I don’t do as much as I would like and in result, I have what I have as portfolio. However, I really like my portfolio and I simply don’t get over it how much it is good. It’s a mix of blue chips low dividend payer with a mix of high dividend payer and also some small cap, silver, gold.

I haven’t have time to say that the company that had been around here for quite some time in my non-registered portfolio, that you used to know as Capital Power Income L.P. (CPA.UN) does no longer exist. CPA.UN got eaten up by another company that is from my very wonderful portfolio Atlantic Power Corp (ATP). This means that I now own more stocks of ATP, which is great. ATP had been a great little small cap to hold, paying a good monthly dividend, I don’t have anything to complain about. However, a small cap remain what it is, a small cap. ATP has a bit of volatility in the value. However, it worth the investment.

Small caps are sensible to the market volatility. Most of the small caps directly interact with the investor behaviours. That’s why it’s really important to invest in blue chips only at this time and that’s what I am trying to do. Investing in those difficult times is a personal choice, but you may want to greatly consider Jean-François Tardif decision of being only 30 % invested. That’s really something that caught my attention. And the only reason why I continue to invest whenever I can well it’s in the hope of being able to recover from my capital loss. I proceed this way following every and single stock crashes I had gone through since 2008. Will this strategy eventually paid off? I cannot tell from my own experience because I haven’t been investing in stocks long enough, but I truly believe in my chances. If it wouldn’t be of my personal situation, after knowing that Tardif is only 30 % invested, I will do the same.

The stock market is a complete disaster. No one can say if it’s going to get better or worst. It’s too in deep in the financial system. So I could do differently, I would be investing 30% of what I have available in cash and not a penny more. While recession facing, only cash will allow to buy gas for the car and food for the table. That’s a reality that we live in and following what, I had decided to do an enormous garden this summer and I will improvise myself not a stock market, but a little farm market but of course, I don’t have a clue of how this is going to take form. The dividend Girl is going to be a farmer this summer!

The stock market is cool, but better to play it safe and plan something out of it. That’s really what I think at this time.

As a good politican, Stephen Harper broke his promises

Lately, my portfolio had performed well. My non-registered portfolio close today session at a very good 110 505.18$. CNR is moving forward into the 80$. I got very lucky to get some stocks at 65$. Just for stuff like that, I strongly believe I can recover from my capital loss within a matter of 6 months or even less but to do so, I need a good market condition. However, while talking about capital loss in my non-registered portfolio, it’s pretty much virtual, because the money is in the stock market.

Stephen Harper had failed. Tories won’t be able to repair their irreparable damages to the Canadian economy. I had lived in Ottawa and I can tell for sure that the staff working for the government is overpaid and they get too much advantage on our tax money. But that’s not all. Staffing agencies are the worst. In Ottawa area, the federal government give each year millions and millions of dollars to staff their minister. Staffing agencies are getting a good percentage of the money, not the actual workers.

I disliked the time I lived in Ottawa as much as I did for Montreal. There’s way too much Quebeckers is the federal capital area. The result? Corruption, corruption, corruption. Staffing agencies are making millions but the fed is ok about it. The system is pretty much corrupt there. But the staffing agencies are not alone. The translation agencies are making big money on our tax money. In term of translation, ministers, federal organizations give too much money to get their shit translate. Masha Krupp Translation Group is among the kind of agencies who made themselves millionaires on such thing. It’s a real shame. Francophone needs to learn English – I don’t need a sophisticated level of English – it can be as raw as myself. I don’t care. What we should look forward to is economy, common sense and energy. The scheme doesn’t have to be perfect just cut cut cut, laid off half of the government staff, create a real economy base on the power of the middle class, create business, richness, but please, the government need to stop the waste of time and money. It’s not Wall Street or Bay Street the problem, we are in the place and space we are in because of governments like the one of Stephen Harper who had failed in their duty. And do you think they care? Hell no, they get paid anyway.

Ii don’t think Stephen Harper government has what it take to push Canada over the edge. I saw all kind of financial abuses while living in Ottawa a couple of years ago. Trust me, it was ugly. Most of the government workers I had worked for were extremely fresh. They are well-off, and get paid a fortune not to work, but just to be there. Most of government jobs are not of a big deal and not a living necessity. Stephen Harper is a lot like Brian Mulroney: a liar. Fact is, Stephen Harper broke his promises. He won’t be able to deliver Canada from debt for 2015. But guess what, Stephen Harper is getting paid anyway.

At a point, middle class worker like myself can do better than any Brian Mulroney or Stephen Harper there is out there. Why? Simply because we care and they don't. They key words will be: PRIORITY and more CARING.

The Worried Boomer: No Pension? Not Wealthy? Here’s YOUR Plan! (Yeah!!)

Ok, this is truly fascinating. It won't be of the usual long post but still..

Shortly after updating my debt situation, Derek Foster just had came with a new book: The Worried Boomer: No Pension? Not Wealthy? Here’s YOUR Plan!

I own more than 80k in debt. Do you think that's wealthy? Certainly not, but having a 6 figures portfolio make me happy.

So I wonder what Foster has in his book about the ones who are not financial healthy like myself. That's the book I needed like RIGHT NOW :)

Fascinating isn't? It's coming shortly after I complaint to Derek Foster about him who doesn't like lottery and gaming. That was his second last newsletter. And with all his powerful intelligence, he has replied to me.

Yeah I know, sometime I don't make that much sense but I cannot wait to read about the not wealthy in the newest Derek Foster book!

My deb situation on date of November 6, 2011

9 550.18$ at a low interest rate of 4.75% (RRSP credit line rates) = 453.63$ in annual interest

4 800$ at a low interest rate of 4% (credit line rates) = 192$ in annual interest

7 811.51$ on a TD Canada Trust credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = 226.53$ in annual interest

7 178.89$ at low interest rate loan at 5.50% (student loan) = 394.84$ in annual interest

5 000$ at 8.75% (credit line) = 437.50$ in annual interest PAID OFF

9 018.28$ at 7.52% (credit line rates) = 678.17$ in annual interest

48 764.36$ at a low interest rates of 4.25% (margin money coming from TD Water house): =
2 072.49$ in annual interest

TOTAL: 87 123.22$

TOTAL in annual interest: 4 017.66$
[In date of November 6, 2011]

Welcome in Sprott Strategic Fixed Income Fund (SFI.UN)!

Tonight is pay time (I am waiting for my paycheck), and in preparation to that, I buy some extra stocks of CNR to add up the number of stocks I already own of that company. I also buy some units of the Sprott Strategic Fixed Income Fund (SFI.UN). I had an eye on that one for quite some time. I already own a lot of Sprott stuff. I have some Sprott Inc. (SII) stocks, I had invested quite some money in the Sprott Canadian Equity Fund. I also invested in silver in both Sprott Physical Silver Trust ET (PSLV) and Sprott Physical Silver Trust UTS (PHS.U). I am a bit familiar with Sprott financial products. Most of them, well at least the ones I had invested in, are super aggressive, meaning that they are subject to the volatility of the stock market and they are all super sensitive to it. But the Sprott Strategic Fixed Income Fund (SFI.UN) is quite different.

I could have invested all of my money in the CNR, but I decided to diversify myself and move on something less volatile than stocks. During the stock crash of August 2011, even at that time, SFI.UN had remained quite stable. See, in my portfolio, I want it all. I want to earn dividend, I want a portfolio that will grow in value and at the same time, I am also looking for stability in the value, meaning I don’t want a portfolio that will experience some too quick capital loss.

Personally, that’s why I never invested in oil. I really dislike everything related to oil. I day trade on an oil something index in the past – this summer actually – and I learn my lesson. Oil sector is very difficult to understand, I find and it’s extra volatile. It’s also produce pollution and a lot of environmental concern. Just have to remember about the Louisiana disaster and its oil spill. That wasn’t too long ago. For all of those reasons, oil companies are a big no no for me.

I agree that pipelines are not far behind oil for environmental concern, but I prefer pipeline over oil. Thanks to Derek Foster, I made a little fortune on PPL title. Pipeline yes, oil no. So there’s a bunch of concerns that play in when it comes time for me to pick my stocks. That’s why there’s so many changes. If I would have more money to invest, I would have also invested in Enbridge (ENB). SFI.UN had been launched this year, but because we had experienced a terrible stock crash in August 2011 and at that time, SFI.UN was still over 9$ per unit. SFI.UN was launched at 10$ per unit. So right there, it’s a wow factor. However, I am aware that the potential of grow is less than it is with stock. I am already very much exposed to the stock market. Adding some income fund in is my way to diversify my asset and, at the same time, add a great dividend (SFI.UN dividend yield is of a very great 6%), and also bring in stability in the value, even if I am talking here of less than 100 units. But still the effort is there.

I first invested in Canadian National Railway Co (CNR) when the stocks were only 65$. Today, CNR closed today session at a very good almost 80$ per stock. I know, I made a 15$ profit per stock in a matter of a couple of weeks. That’s another wow factor. Unfortunately, it’s not everything in my portfolio that’s performing that well. But I believe in my chances to recover. Just today, my non-registered portfolio closed today session at 109 309.23$. It’s a good move forward and I just hope to be able to survive the Euro crisis. The 2 investments I made today was for close 1 500$.

I was surprised when the market gain points today. I don’t get it because following referendum Greece news, I taught I was about to face another disaster. But it didn’t happen that way. Actually, if you read my blog very carefully, things never really happen the way it was initially plan and truly, the stock market, I don’t understand it. Voilà. But what I do know for sure is that I am going to recover from my capital loss. One day.

And now, a referendum

Taught that the stock crash of August 2011 was hard? I personally go through a complete nightmare and I was just coming back from a 2 weeks vacation when it happens. I taught everything was pretty much fixed for the Euro. Well, it seems I was completely wrong. Greece wants a referendum regarding its financial situation, which is very stupid, I find. While having the chance to get an in-extremis emergency fund, Greece should be grateful. But instead, they decided to show up some leadership and play it smart with their referendum idea. I just don’t get it. 

This could make things extremely difficult on the stock market. It’s like living a nightmare. I had been doing well so far, but I don’t have enough in cash to be able to survive to an in deep recession. At this time, the plan I have to invest in blue chips is getting stronger than ever because if we get another dip of the August 2011 crash, well, nothing else but blue chips will help me to survive. I need to minimize the capital loss. I am not that stress however because I had been able to keep my margin situation in good shape so far. I had a bit more than 1 000$ to invest.

Following last Susan Brunner comment, well, I decided I could maybe invest more in CNR instead of investing in ENB but I have one day to actually think and decided. Reason why is because I am already very much exposed to the pipeline world in my portfolio with stuff like TRP, ENF, PPL... So thanks to her, I may increase my position in CNR.

My very own blue chips investment rule or on how I plan to beat Bill Gates

It’s Halloween and I received today my Atlantic Power Corp (ATP) dividend: a cuty 9.12$. The stock market is down again. My non-registered portfolio is down to 107 464.63$. My portfolio is down, but I am still in a good shape, considering what we are in right now. I have to admit, trying to get something out of the market right now is very difficult. It’s terribly hard to keep my head of the water. I would like to be able to recover from my capital loss as soon as possible. I can achieve that by remaining where I am right now. This meaning I have to keep leave the money where it is, I have to leave my stocks on the market and stop overtrading. Also, I have to keep going. This meaning I need to continue to invest and I really have to focus on blue chips, especially those who pay very little in dividend. They are among the best stocks.

You just need to take my investment in Canadian National Railway Co (CNR). I had purchased some stocks at 65$ of that baby. And now, in a very short period of time, CNR is almost at 80$ per stock. That’s very impressive isn’t? The only problem is in the dividend payout. CNR pay less than 2% in dividend and its stock is ultra expensive. So why should you investing in CNR? Well, because I personally own stocks of CNR and also because Bill Gates also own stocks of CNR for his foundation. That’s what I had read. So the Dividend Girl AND Bill Gates? Well, CNR can only be a killer stock (isn’t a perfect term right on time for Halloween??). And trust me, it is. CNR is a flying rocket. So be ready for the stuff! CNR is the best investment you can get in those recessions time. And sometimes, I am shocked that I am still working, that I am currently living in New Brunswick, that I am driving a car, that I have money left to invest every months or so. Why is it going well can someone please tell me? Well, I guess I just deserved the stuff. But I don’t have it all yet, I need to recover from my capital loss. But a question remains: can I do it?

Personally, I have problem to invest in blue chips and it’s extremely difficult to invest in blue chips only because they pay so little in dividend and are way too much boring to hold. I made my latest in Firm Capital Mortgage Investment Corporation (FC). Unfortunately for me, FC is not a blue chips. I had invested in FC because for that time, I just have very little to invest and FC was a recommendation of Gordon Pape. I had trouble with some Eric Sprott recommendations (remember my investment in Timminco (TIM), and oh, Sprott Inc. (SII) itself and PHS.U and its American cousin), but I never had any trouble with Gordon Pape stock recommendations. Fact is, I was and still so confident about Eric Sprott that I follow almost his every moves – that being directly from New Brunswick. I still believe in Eric Sprott silver, in Sprott Inc. (SII) stocks, in the Sprott Canadian Equity Fund ok, but one thing you need to know is that Eric Sprott is a very aggressive investor. Investing in silver like Sprott, buying some Sprott Canadian Equity Fund shares in order to eventually see the value double, living the Timminco disaster, well, all those things you know, when you experienced it for yourself – me as a middle class investor, well you know, it make you realize that at a point, you may not be that much, a nobody buying stocks for fun hoping to get rich some day but still, geessss it’s been sooooo muchhhh fun. Lol. It’s important to know exactly who you are in order to keep focus on things that really matter.

In my investment life, I did all kind of trades, pretty much sure that TD Waterhouse cannot follow quite well however, no one was to understand and get it, what will make the difference on the long term is me, keeping in control of my assets. That’s not something easy to do especially while working daytime like I am doing now. But at a point, I realize that following the stock market during the day and working the evening shift was quite of a crazy pattern that exhausted me.

The stock market? Do as you feel, but like me, you should very try to focus on blue chips. Forget the fancy stuff, silver, gold, Sprott... Everyone is in to make money and that’s include Gordon Pape and Eric Sprott so at the end, you are left alone and you’re the best qualify to know what to do with your money. However, I agree, it’s sometime difficult to figure out what’s going to be the next investment. In what are you going to invest when you have the feeling that you already have it all. My have it all meaning that you already invested in a bunch of great stuff that you truly believe in. Unfortunately, some stuff did good, and some had experienced some capital loss. So what can be done about it?

Here comes the point where blue chips are needed AND ONLY blue chips. This being to protect the capital from any other loss and also in a planning of a future capital gain. Also, because you’re not always a good stock picker (stuff can happen right), well, to facilitate the work, you go with some blue chips you never care too much before. Now have come the time to care and this is how I plan to “beat” Bill Gates. lol :) Yeahhh beat Bill Gates.

My next investment? I am really going with Enbridge (ENB) for a good 1k investment. $$$

The only problem being what’s going to be the one after that. See, I am facing some big time drama with blue chips because I don’t know them too well, and the little yield disturb me.

I take all that this way: I have the chance to have more money that I need to cover my needs so this is chance of recovery. Nothing is really easy, but still. It’s kind of a hard play. I play with stocks and now, my ultimate chance of getting up on my capital loss, to create health is simply by investing in blue chips. You think that’s easy? Well, it’s really not.

This can be resumed by one word only: DISCIPLINE.

So be ready readers. Be ready.

Happy Halloween!

Halloweennnnnn! I visited a local haunted house and it was scary and hilarious at the same time. I was totally into it. Otherwise, the weekend so far is pretty much what it is and it’s better than what I had expected because I didn’t plan to have enough even with this next week paycheck to make a new investment... but seem it could work out.

Living in New Brunswick is definitively a big plus, even after increasing my rent, pension or whatever else you want to name it to my mom and dad to 400$ instead of 350$. I began to feel cheap knowing that money include absolutely everything regarding my living expenses so I push it to the 400$. I could even give 500$ without suffering. It wasn’t really in my life plan to live in with mommy and daddy at 31 years old of age, but what the heck it just happen this way. I never taught it will be possible for me to find a job in New Brunswick either actually. So when it happens, I just move in to my old bedroom. I don’t have any complaints to make what so ever. Living in with my old folks is coolllll ok? I don’t do grocery shopping, I don’t cook. Got the picture? Lol. I won’t comment more.

So this is it, because I live in with my old people and that I only pay 400$ for everything well, as you can imagine, this leave a lot of cash for my investment hobby. These days had been very good for me. In August 2011, everything happens at the same time. I arrived from my 2 weeks vacations and immediately after, the stock market crash, I find a job in New Brunswick and move on a very short notice from Montreal city of hell to the peaceful and so much better New Brunswick. But don’t ask where I am from in New Brunswick because I won’t ever tell you. 

Now, knowing that, I can let you know that I have around 500$ available this upcoming week to invest. Small but interesting amount to invest. At this time, it’s quite of a challenge to find something to invest in because I already invested in almost everything I ever wanted. ENB? Yeah, but I already have ENF in. Knowing ENB are more than 30$+ each, I could wait for December or so to place my new investment.

Actually, the challenge now is to reach the 200k in investment and to reduce my unofficial capital loss. So far not too much problem, but I think some readers taught that I was into going better than the TSX index when it’s really not the case. I think you have to read this blog keeping in mind that it’s being wrote by 31 years old who look like in her young twenties (all those precious little creams from l’Oreal and Garnier had done miracles) free like a bird, no stress involve. I am not married, I am single, I don’t cook my meals and I don’t have any children of my own. And I don’t have a boyfriend either. So keep everything in mind, and following what, you’ll get my idea about investing. I don’t care if the results are very good or bad, the only think is to get a portfolio that will involve a lot in capital loss and so far, I think I done ok, a mix of good investments that done well, some other bad, a good amount of dividend is coming in, a lot of debt too, but nothing ever disturb me, it’s all about the long term. 

I know, but sometimes, some good stuff can be read from a pink blog.

Watch out, I am now at 154 363.06$

The TSX cash in extraordinary gains today following the 1.4 trillions news in back-up cash for the Euro zone and in result, I experimented some extraordinary gain directly in what you are use to, my very own very good investment portfolio. Here at my Dividend Girl blog, no matter what happen, I am like the sexiest cat of the whole universe I ALWAYS get back on my feet. I am the cat woman. There’s absolutely no way this can go wrong. This is what I had been waiting for. This is what I call an extension of my own self on the world wild market baby.

Today was the easy part – enjoying the gains and a possible recovery. But going through the market volatility – and even worst – stock market crashes after crashes is not easy. The stock crash of August 2011 completely burns me out from inside and out. Part of the misery was coming partly from my margin situation. I always felt confident about my portfolio but while facing such destructive events, financial system about to collapse worldwide, no way I could remain calm, no way I could not care. And of course, I worried about getting a margin call, I worry about TD Waterhouse who could sell part of my portfolio without even calling me first and then, at a point, I hated TD Waterhouse for having that power over me, to have to right to sell my portfolio in case something major happen.

And something major did happen in August 2011, but there’s been no margin call and now, I am only missing 45k to hit the 200 000$ in investment. Crazyyy. I just consider myself extremely lucky and in result, you have the privilege to read my blog. So enjoy for now because one day, it could stop and you could eventually never heard of me again.

Another problem being that investing is very addictive so it's very good that sometimes, the market mark points. I am investing every month or so and when I don't or when I do, I just cannot wait for the next time, what's going to be next, what's going to be the investment, am I going to cash big in dividend, am I going to earn great capital gains? It's a story that never end and I don't think it will stop anytime soon actually. So don't worry, you won't ever miss me.

lol :0)