The Maple Group acquisition deal over the TMX Group Inc. (X): anytime soon?

Once the Maple Group completed the acquisition of the TMX Group Inc. (X), I will be happily cashing in more than 5k in fresh cash right on where I need it the most: in my broker account. On date of February 2012, my annual dividend income was of $7 007. Collecting more than 5k in cash will allow me to restructure partly my portfolio. I plan to reinvest in order to collect the equivalent of $603 per month.

I can easily do so by reinvested in some REIT and other stuff that we had look into a couple of days or weeks ago. Everything had been set and plan extra carefully. Now, I am only missing the cash. I am ready, Maple Group, you can come over!

Since we are in a down market right now, I could buy new stocks at a low price and at the same time, boost my dividend income. No matter that the stock market is playing low right now, I will be still collecting more than 5k in cash because I have selected the cold cash option at $50 per stock over the Maple Group deal. 

I had been waiting I don’t know how many months now for the Maple Group deal to go through. I had been more than patient. Now, time has come. We’ll see if something happen by the end of April. I think this month is going to be the month. Maybe.

The performance of my investment portfolio in the stock market salvation

For the past couple days, the TSX had been down. I didn’t want to see the TSX under the 12 000 points, but for today, the worst had happen. It seem like the TSX will close its day behind the 12k points... However, things are not so bad for my portfolio. My non-registered portfolio is at $121 465.72. As long as I am exceeding the 120k, I am happy. Thanks to the blue chips add in the past several months in my portfolio, stuff like TransCanada Corp (TRP), Canadian National Railway Co (CNR), Enbridge Inc. (ENB), Agrium Inc. (AGU) and Canadian Utilities Limited (CU), my portfolio is extra strong. But of course, if the stock market continues to drop, no matter what I hold, I won’t be able to keep the 120k values for very long. I am unfortunately very aware of that. 

However, I remain optimistic for several reasons.

First of all, no matter how in bad shape the stock market is, my Just Energy Group Inc. (JE) is doing super great. We are almost back to the $14 per stock!!! What else can I say? I told you that my Just Energy was going to go far! And the best thing is that no matter that the TSX is down, JE is still going like a rocket! My investment value in Je is almost exceeding its book value at this point. It’s quite good. (I have invested almost 10k in JE!!). Do I like JE? Oh yes, really really much! Just Energy Group Inc. (JE) never let me down for very long.

Remember my little investment in Chorus Aviation Inc. (CHR.B)? Well, I made a cutty profit of $45 on it. It’s kind of growing strong, and that being despite the market condition. So it’d of kind of cool.

My PPL stocks are on their way to hit again the $30 per stock.

Seeing Canfor Pulp Products Inc. (CFX) hitting over $14 per stock is quite of a good sign too.

Luckily, I hold on to some stocks that are really performing well, no matter what are the market conditions.

Stock like Agrium Inc. (AGU), Bank of Nova Scotia (BNS), Canadian National Railway Co (CNR), Canadian Utilities Limited (CU), Chorus Aviation Inc. (CHR.B), Corby Distilleries Limited (CDL.A), Davis + Henderson Corporation (DH), Enbridge Inc. (ENB), Enbridge Income Fund Holdings Inc. (ENF), Exchange Income Corporation (EIF), Firm Capital Mortgage Investment Corporation (FC), Fortis Inc. (FTS), K-Bro Linen Inc. (KBL), iShares S&P/TSX Capped REIT Index (XRE), Methanex Corporation (MX), Pembina Pipeline Corporation (PPL), Pengrowth Energy Corporation (PGF), Student Transportation (STB), TMX Group Inc. (X), TransCanada Corp (TRP), Veresen Inc. (VSN), WesternOne Equity Income Fund (WEQ.UN) and Westshore Terminals Invest Corp (WTE.UN) are investments that are all exceeding their book value. 

Sometime I hit, and when I do so, I hit well.

In the other hand, other stuff that I hold remains stable, in their usual and they are not very exciting stuff to hold. It’s the case of Rogers Sugar Inc. (RSI), Sprott Strategic Fixed Income Fund (SFI.UN) and Horizons Gold Yield Fund (HGY).

And other stuff, unfortunately, are taking an in deep SHOCK, right from the inside out. Sprott Inc. (SII) slide below the $5 per stock value, which is frightening knowing that I hold more than 1 000 stocks of the Sprott darling. I don’t like to see Data Group Inc. (DGI) falling below the $5 per stock... And now, I am unhappy because yeah, Data Group Inc. (DGI) is under the $5... DGI can be quite sensible to the market volatility. EnCana Corporation (ECA) is under the $20... I don’t like to see that either, but ECA had sometime be under the $20, it’s kind of a usual situation now. 

No matter what, holding on could pay on the long run and I am not in a hurry to restructure anything because really soon, I will be holding some units of the JFT Strategies Fund and I hope that JFT Strategies Fund will gain value so much that I won’t be suffering much of the capital loss experimented with DGI, ECA, SII and a few other. That’s the plan. Basically, Jean-François Tardif is my saviour. I wonder what will be the loan value (for my margin account) of the JFT Strategies Fund once it will be out there and alive on the TSX. I would like a 30%, at least. Will the people of TD Waterhouse be smart enough to provide the JFT Strategies Fund a loan value of 30% to the fund? We’ll have to see. I didn’t receive my JFT Strategies Fund units yet. I don’t know if Jean-François Tardif is ready but I am, and I hope you’ll be ready too!! It’s going to be hot-hot-hot.

Another thing I cannot wait for to happen is the acquisition of the TMX Group Inc. (X) by the Maple Group. Once the deal done and completed for good, I will be earning more than 5k. Following what, I will be able to invest that amount of money in whatever I want... I am looking forward for a good REIT investment since I am not very much invested in the sector and another 2-3 things. But don’t worry for me, I have number of ideas just waiting to jump out.

April 30 is marked in red in my calendar.

OH NO! Eric Sprott has a thing for my First Majestic Silver Corp (FR)!

Back in November 2010, I started trading silver on a regular basis through the PHS.U. From November 2010 to May 2011, trading silver was easy and fun. But in May 2011, the value of silver crash, and since that time, the PHS.U never hit back its old $20+ value per unit. I hold PHS.U in my RRSP and TFSA portfolio. I also hold the PSLV in US dollars. 

Unfortunately, I had invested in PSLV when units were at its highest, just BEFORE the May 2011 silver crash... When the silver crash happens, Eric Sprott declared that someone somewhere was manipulating the value of silver. How, I don’t know exactly, but it could involved millions and millions in silver investment and when the same investor proceed with a quick sell, the silver value drop. My playtime with silver last for about 7 months.However, I never gave up on PSLV and PHS.U. Following the silver crash, I decided to hold to my silver units and wait for a recovery... 

Did I take a good decision? It could be the case, according to Gordon Pape latest article, “Eric Sprott goes all in on silver”, Eric Sprott still have a crush on silver.We had reported it on The Dividend Girl blog, Eric Sprott is a huge promoter of silver. According to Gordon Pape, Eric Sprott is not giving up on silver anytime soon, for the reasons Sprott already gave in the past. You can read the article of Gordon Pape, you’ll see, Sprott hasn’t modify his analysis a bit when it come to silver. It’s always the same game. And believe it or not, Eric Sprott must be a reader of The Dividend Girl because he has his eyes on MY First Majestic Silver Corp (FR). 

This is very scary because now, the stock is being made popular. Everyone now knows about FR, readers and not readers of ME and that is kind of not good. When you hold something very precious like First Majestic Silver Corp (FR), it’s something you keep in your portfolio like a precious pearl. But now, mega millionaires know about FR and the stock could now face multiple manipulations, just like silver itself. So it’s really not good. Some readers had said that some Sprott people knew about DNI Metals Inc. (DNI), but I never been able to establish a relation between DNI and Sprott. However, that’s completely different when it comes to First Majestic Silver Corp (FR). It’s been clearly said by Gordon Pape, Eric Sprott like FR. I just have one little thing to say to Eric Sprott: 

STOP READING MY BLOG AND STOP PICKING FROM MY PORTFOLIO OK.

;))))

For once, Gordon Pape is giving a FREE hand to dividend investors

In his latest article title “A portfolio for yield-hungry investors”, Gordon Pape is having a conversation with dividend orientated investors. And guess what? I am a dividend oriented investor. Let’s have a look at Gordon Pape dividend stock pick suggestion. For once, Gordon Pape decided to give free advice. We’ll see what they worth.

Atlantic Power Corp (ATP): I already own this one

I own Atlantic Power Corp (ATP) since May 2011. I love the stock. ATP 10-year chart is a rocking babe. ATP quickly recovered from the 2008 stock crash, no doubt about it. The chart is crystal clear. Just to make things better, ATP has an interesting dividend yield, 8.462%. Dividend distributions are on a monthly basis. During the last quarter of 2011, Atlantic Power Corp (ATP) acquired Capital Power Income L.P., another stock that I was holding back than in my portfolio.

We all now know from where Mr. Gordon Pape is getting some of his stock ideas from. FROM ME. ;)))

Davis + Henderson Corporation (DH): I already own this one

I acquired Davis + Henderson Corporation (DH) for the first time back in January 2010 if not even earlier, but I was able to track on date of January 2010 on my blog. I really DH, it sometime pay a special dividend. Great stock. The chart is a bit chaotic, but it worth to invest a little of your money in DH.

Freehold Royalties Ltd. (FRU): 

I don’t know Freehold Royalties Ltd. (FRU). 

FRU dividend yield is of 8.828% and the payments are monthly.

The 10 year-chart is ok, but Freehold Royalties Ltd. (FRU) was not able to reach or even exceed the same stock value it has before the 2008 stock crash.

For that reason, I am not interested in Freehold Royalties Ltd. (FRU). Sorry Gordon Pape, but I pass on this one.

Just Energy Group Inc. (JE): I already own this one

I am a super fan of Just Energy Group Inc. (JE). I had been holding on this one since 2009. The dividend yield is of 8.857% and the distributions are made monthly. 

The 10 year-chart is a bit chaotic, however, I love my Just Energy!

Liquor Stores N.A. Ltd. (LIQ):

I don’t know this stock. Liquor Stores N.A. Ltd. (LIQ) never jumps back to its old stock value of before the 2008 stock crash. Liquor Stores N.A. Ltd. (LIQ)? It’s a no-no for me.

Morneau Shepell Inc. (MSI):

I don’t know this stock.

Again here, Morneau Shepell Inc. (MSI) stock value price never hit back the old value of the before 2008... 

It’s a NO for me.

Pembina Pipeline Corp. (PPL): I already own this one

Pembina? It’s a Derek Foster stock that I had been holding since the early beginning of my stock adventure. I double my money on PPL. 

Pembina Pipeline Corp. (PPL) is a must have to any stock portfolio.

Sun Life Financial Inc. (SLF):

No. There will be no insurance company in my portfolio. NEVER.

Sorry Gordon Pape.

Chemtrade Logistics Income Fund (CHE.UN):

The 10 year-chart of CHE.UN is all over the place. It’s a big NO for me.

Once again, sorry Gordon Pape.

Pure Industrial Real Estate Trust (AAR.UN):

This one is interesting. Thank you Gordon Pape! Pure Industrial Real Estate Trust (AAR.UN) trade at less than $5 per unit. AAR.UN is part of the 50 Venture list. The chart is a rocket. The dividend yield is a bit more than 6% and the dividend are being paid monthly.

That was the list of Gordon Pape latest FREE recommendation. He should have included Firm Capital Mortgage Investment Corporation (FC) in. FC is a stock I invested in after reading Gordon Pape. 

Gordon Pape? Yeah, he’s sometime good.

The only new stock that catches my attention is Pure Industrial Real Estate Trust (AAR.UN). It could worth a $500 investment.

What all dividend investors need to know about unemployment benefit

Time is passing by so terribly quickly! As you may know, I had been laid off beginning of March. The excuse that had been giving to me was a lack of financial resources. And that reason is true. However, I was promised a full-time, permanent position. I had moved from Montreal to my hometown for that. Things didn’t turn the way I expected them. Who’s that evil in New Brunswick to make move someone from Montreal for not even 6 months of employment? Well, such people exist and they are from my hometown, right next door... almost... At the time of my laid off, I was giving a nice reference letter, but sh*t. I asked why was I hired on the first place? If you have financial problems now, you might has the same problems back in September right? The answer I was giving is that it was my decision to move and accept the job. OH MY GOD! I am not going to give up on this. THEY ARE GOING TO SEE WHAT HELL REALLY LOOKS LIKE. OH YEAHHHHHHHHHH.

I am not going to do anything illegal because you know, your Dividend Girl is not really evil herself ok. Of course not. But I have rights. I have right to complaint at the Work Department or whatever else it is name. I have the right to fill out a small claim. Luckily, in New Brunswick, the max aloud is 30k. I am going to go straight to the point with those little F and I will get the last pennies of their pocket. Its going to be SEXY UGLY.

Ok, you may told yourself, yeah yeah, but you had said BEFORE that YOU WERE going to fill a small claim. I know. But I didn’t take care of it. I had been lost on the everything else I have to do. And I got lost very easily.

But hey, I am not weak. I had spent some time working at a contract I had found online. It went well. So far, I may have made more than $500. I had been lucky in my search, but it’s hard worked, but enjoyable and it kept me busy in my field of interest. And no, I am not going to tell you what it is. NEVER. Lala

Remember, I also started a business of my own with my business name, my business number AND my business bank account. I had filled today a form to get my tax number today. It was about the only thing missing.

I need to come with a Web site and I need to have an email address with my business domain address. I haven’t worked on that at all. 

I tried to search for other contracts, but I haven’t found anything yet.

HOWEVER. I didn’t try very hard.

Even let say, I only earned $500 a month from my business, I will have enough to live on. And that because of my dividend income. With 1k a month, I live the godness lifestyle. I don’t really have any stress at all. My dividend income is about $600 a month in average. Add to this my online income (about $100 per month in average. Basically, with that $700, I cover my basic expenses. That my business work or not, it’s not really a problem. But of course, living on a $700 monthly is not what I want. I need a bit more than that for gas, car related expenses, clothes, makeup and many other. So adding an extra $500 in could make things work out very well.

One of the job I had before in Montreal are seeking for online agents. I need to apply. It’s the minimum salary for 20 hours. However, that add to my “business” and my dividend income and the little online income, it began to make it substantial. It could worth the try.

I had look around here for work, I had reply to some adds, gave away my resume to a couple of places. But I haven’t found anything yet.

And here I am coming to something I learn: while being on the unemployment insurance, dividend investor can touch their dividend distribution without having to declare it. Luckily, dividend distributions are not being recognized as an income that you need to declare every two weeks on the unemployment benefit declaration. I WAS SO RELEASED AND HAPPY when I learned this. However, don’t take this information as being a good one, you may want to double check just to make sure.

It’s difficult to be self-employed while being on the unemployment because it extends the waiting delay before you can touch any insurance benefit. It’s because of a special form that needs to be fill. And so far, every two weeks, I need to call to report my situation. Be careful regarding the self-work question. If you have a business of your own or are self-employed, you need to answer by YES even if you are not making any money from the business activities. Example, let say that for the last declaration of the past 2 weeks, I have a business, but I haven’t made money yet, I need to answer yes anyway regarding the question if I am self-employed. 

On top of that, you request to receive unemployment insurance could be accept OR refuse. But it is most likely it will be accept if you have work as an employer for a straight 14 weeks.

 Complicated? A bit, but manageable.

 It makes a lot of things to check into. I don’t even know if I had been accepted to receive unemployment benefit yet. It been close to a month now, but the normal delay is 28 days. I don’t have a patience nature. The unemployment money will be money that I will cherish and use to pay off my credit line at 7.52%. 

Other than that, I plan to do a very HUGE garden this spring. I already bought some seeds of all kind of flowers and vegetables. I don’t know how to do a garden, but I am going to do one anyway. It’s going to be on my grandmother land. I have the whole background to play with. Of course, it’s all about money. For a couple of months, I am going to be a farmer. I hope to make some cash on my garden.

I didn’t tell you so yet, but I decided to stay here for the summer :) SEXY BIKINI, I AM COMING! xoxoxoxo

I have too many projects to leave now. And anyway, the workplace isn’t the greatest right now. I prefer to explore my business activities deeper and.... I also have an ebook project among the way. Ok, imagine 50 pages of fresh RAW English for yourself. It’s going to be awesome.

One other problem is having too much to think of, but I get things done anyway. Its all different now. I am not use to what I am living in. All that S*HIT.

:0)

Hello!

I know some had waited for this moment for a very long time now....

But I decided it was about time to make my coming out...

Click here to check out who I am!

Jean-François Tardif is FINALLY back in the game! Part 2

IT’S BEEN 3 LONG YEARSSSSSSSSSS. But hey, we’ll say that it had worth waiting later on when we’ll be cashing the big bucks on the back of Jean-François Tardif!!! 

LOL

Some people wrote in the previous post comment that my idea of investing in the JFT Strategies Fund is silly... as usual, I am being stupid blablaba... Well, guess what, my little bunch of HATERS. During his years spent at Sprott Asset Management, in 2008-2009, in the middle of the biggest financial mess, Jean-François Tardif brought the Sprott Opportunities Hedge Fund L.P. to the hedge. 

Ok, this is confusing...

On the First Asset Investment Management Inc. Web site, the JFT Strategies Fund is being introduced as a hedge fund, but it’s not the case. I just finish my call with TD Waterhouse. The JFT Strategies Fund is a Trust Unit, and not a hedge fund. The TD rep could see the JFT Strategies Fund in his system, but he couldn’t tell me more about the minimum amount required to participate at this initial public offering.

I had tried to push the investigation and called First Asset Investment Management Inc., but the beautiful male voice hangs up on me... So nothing much more now regarding the JFT Strategies Fund. Maybe sometime next week. 

While waiting, check on those beautiful flowers.... SPRING is here :)

Jean-François Tardif is FINALLY back in the game!

Yeah, yeah, you are reading right.  

This is so exciting! The Globe and Mail reported that THE Jean-François Tardif has been hired by First Asset Investment Management Inc. to manage a new hedge fund, the JFT Strategies Fund. Of course, JFT stands for Jean-François Tardif. 

I find it just strange that he’s not managing his fund under his own company, Timelo Investment Management Inc. but hey, what the heck. JEAN-FRANÇOIS IS BACK. The JFT Strategies Fund has filed for a public offering. The units are set at 10$ each – really reasonable. However, there’s no mention of the amount of the minimum investment amount. However, at a price per unit of 10$, we can easily imagine that the minimum required will be quite low. If, like me, you are with TD Waterhouse, YOU ARE IN THE GAME. Want to take part in the initial public offering, JUST LIKE ME? LOL... 

Don't worry, you can with CIBC, National Bank Financial Inc., RBC Capital Markets, TD Securities Inc., Scotia Capital Inc., Canaccord Genuity Corp., GMP Securities L.P., Raymond James Ltd., Desjardins Securities Inc., Dundee Securities Ltd. and Macquarie Private Wealth Inc. 

WOW WOW WOW. 

This is the ultimate chance to make a great deal of money on the back of a man that I consider of confidence. Great news isn’t? But what is the minimum investment required to participate in the initial public offering of JFT Strategies Fund? If you are with TD Waterhouse, JUST LIKE ME, you have to call the 1-800-461-3863 between 8 AM and 5 PM to find out. I am going to call tomorrow. 

SO STAY TUNE OK.

What's up baby

My TSX went down of more than 100 points today... My non-registered portfolio is currently at 124 274.34$. Not too bad. I would like to see things get more stable. The stock market is not about to lose its extreme volatility anytime some. So far for 2012, my dividend income is exceeding the 1 700$.

I had set up my banking account for my home business. I got one assignment so far. I done for about 300$ of work last week, but I work like crazy. I should receive more certainly by the end of the week. While waiting, I try to do all of those little things that need to be done, but it’s not easy. I have to come with some Web site content in both French and English, I need to have the English content be proofread – because you know, me and English is like firework... I need to search for new customers... I also need to apply for my tax number.

I had previous experience as a freelancer. Being a freelancer is not easy. While being in Montreal, I had an evening job from 4 to midnight in a call center. I had the whole day to work on my stuff or seek for contracts. I also had a survey job during the weekend. I was doing a nice living, I had no money problem, I was doing more than what needed for my living, it allowed me to invest for my portfolio, etc. The whole situation was certainly chaotic with all that work-work-work, but I didn’t mind. I had no money problem. And I was living in the beautiful Mont-Royal, not far away from the Lafontaine Park and all other beauties of the Plateau.

However, I didn’t like the in-deep Quebec, its politic, the non-access to health care and the high income taxes, among other.

But my whole existence took a different path when I moved back to New Brunswick in September 2011. I was promised a full-time permanent position. However, I had been laid off beginning of March 2012. The reason? Lack of financial resources. What the heck.

I was lucky to meet my local New Brunswick MLT. The MLT was extra nice to me. I was able to go through the whole work situation and the circumstances of my laid off. And the MLT opinion was about the same as for the lawyers that I spoke too so far. I was happily surprised because at first, i wasn’t expecting much from a politician LOL (Laid off or not, there’s thing that will NEVER EVER change OK).

Next step for me is to email to my local Federal Deputy. I hope for a meeting as well. So yeah, the Dividend Girl is talking to a bunch of politicians. But why am I doing so?

Why? Because my workplace had received thousands and thousands of dollars from the government, the federal one especially. Close to or more than 1 million bucks. My taught is: EVERYONE in position of authority need to know. And trust me, everyone will know when I will be done with this. As you can imagine, it’s taking a lot of my time. But now that I am laid off, I don’t have anything better to do: complaint and blog, do business, check out on my portfolio. DO BUSINESS LOL.

Problem being, money had been spend around without any respect. Salaries had been raised when they shouldn’t, and money had been invested in piece of software when they shouldn’t. A bad management is the reason of all this. And when I will be done, their ignorance will just explode on their F face! YOUYOU. You'll regret the day you were born! :)

Myself, with my business, I could spend thousands and thousands on all kind of software and other. But I start slowly. I can use free online resources BEFORE spending money. I plan to only invest if I can, and only on money I would have made on the famous business. At my current 300$, I had have enough to cover one software I bought at 120$. I have enough for my domain address and also to cover the cost of the English proofreading Web site content, and also to buy a nice template... the rest is peanuts, but enough to pay some coffees. I don’t like to be working from home, in my tiny bedroom like ALL DAY LONG.   

That’s pretty much what’s going on right now.

I run around for jobs. But I am not expecting anything. Some parts of New Brunswick are a dead zone. It’s the most area to be living in while facing a laid off. Because there’s no job and a lot of corruption. It’s a game of power and corruption, basically. And no one is really paying the price of that, if not the victims themselves.

The overall scheme is not too bad. I need 400$-500$ or 600$ for my basic living expenses. On top of that, the minimum payment on my debt is about 300$. With my dividend income + online earnings + freelance contracts, I can make a holly bunch of money, it’s just a matter of getting the thing started.

HELLO MONEY.

Am I idiot enough to become rich?

My non-registered portfolio closed today session at 124 223.21$. From my impression, it seem like the market is on its way for a situation a bit more stable than what we had used for the past couple of months. While being under that impression, I decided to withdraw 2k from my margin account and apply the money on my 10k value credit line at 7.52%. I apply on it 1k coming from my own money, for a total of 3k. The balance left on my credit line is now about only 2k. In 2-3 months, I will be able to pay it all.

I got that 10k credit line (7.52%) at the RBC Royal Bank a couple of years ago. Since the opening, the interest rate never changed, it’s always been 7.52%. But that’s soon going to change.

This week, I received a letter from RBC Royal Bank saying that starting May 1th, 2012, my interest rate will be increase from 7.52% to 10.52%, which represent an increase of 3%! Knowing the economic situation we are in right now, I was very surprise about this increase. How it work with credit interest rate generally speaking, the interest increase when the prime rate increase.

When the economic situation is chaotic, interest rate remains low. So I knew for sure that there was no change regarding the prime rate. So what I did, I gave a call to RBC Royal Bank. I asked the representative why I was facing an increase on my interest rate.

First of all, my account is in good standard. I never missed one single payment on my credit line and my whole RBC account is in good standard.

I confirm with the RBC representative: the prime rate didn’t change.

So why RBC Royal Bank is increasing my credit line from 7.52% to 10.52%?

There’s no reason why, basically, behind this increase.

RBC just wants to make more money on my back, that’s really all. But that’s not going to happen. I will be able to completely pay off my credit line before the month of May.

I wasn’t happy and I requested no change on my credit line. In order to do so, to keep my old 7.52%, the only solution for the representative was to perform a credit evaluation. I refuse and asked to speak to a supervisor. The supervisor took my complaint, but he couldn’t do much. I had to go under a credit evaluation to keep something that I had been giving to be a while ago.

I find that system very stupid. I refuse to go through a credit evaluation to keep my 7.52%. I won’t be doing more business with RBC Royal Bank NEVER EVER AGAIN. My account ALWAYS been in good standard at the RBC. There’s no reason why I should go another credit evaluation. People at the RBC Royal Bank are a bunch of little jerks. That vice-president Goyers is a piece a s**t.

I had placed my complaint to RBC on March 20.

March 20, 2012 is a date to be remembered. Not because of the complaint I place with RBC Royal Bank, but because it’s on that date that I became a small business owner! That’s right... Like the Rebecca MacDonald and the Ronnie Seterdahl Negus that we found out there, I am now.., a woman entrepreneur, but without the millions and the men ;)

I cannot use my regular banking account for my “business” lol because I have a business name you see. So basically, RBC Royal Bank wasn’t interested in resolving my problem so consequences, I didn’t open my commercial banking account with them. Instead, I call the Caisse populaire. It’s much more affordable. I can have an account per operation to start with, which mean no business, no banking fee. I have my business name, my business registration number (NE). On Monday, I will get the banking account and following what, I will fill out the form to receive my tax number.

And oh surprise, I already find work. Nothing substantial, but it’s a good start. I prefer to work at a lower salary than not working at all. And it’s giving me an experience and it keeps me busy. I cannot say I already have a lot of experience in what I am doing... I prefer to just accept whatever presents to me. And this one was an easy one... I like it when it's easy. :)

You won’t see me spending hundreds or even thousands in publicity or marketing, that’s for sure. But it’s not what the CBDC would like to see me doing. I went to my local CBDC. They have a program for self-employed to start a business while received unemployment. They can provide as much as 50 weeks on unemployment.

Let say I am being approve to received 40 weeks of unemployment, the program will give me 10 extra weeks. However, for the extra weeks, the CBDC only give away 250$, which I find very cheap. And on top of that, the CBDC request a credit check – and that being just to received a 250$ for a few weeks!!! This must be a joke right? No, it's not, sadly. I don't like to be treated like a stupid hot chick.

Nothing much is being done in New Brunswick to help youth. Bernard Valcourt is A FOOL and he’s a one eye man. Harper government S**K LIKE HELL. The Atlantic Canada Opportunities Agency? WHO GIVE A DAMN. I will do without. F U Stephen Haper government!

Like always, I will go the Dividend Girl way style and just like always, it will be JUST FINE. I have the HELL of a good investment portfolio.What I have done to be such of a good investor?

ahaha

I don’t plan to stay in New Brunswick for very long. The CBDC can also provide a loan, but just to present a request for a loan, I need to pay 75$! **AND THE DATING SCENE IS HORRIBLE IN NB!**

Applying for a loan at the bank is FREE. Why CBDCs are requesting a fee for a simple loan request? That's really stupid.

Why? BECAUSE IT’S ALL ABOUT MONEY and only a bunch of super retarded people work at the CBDC, a real bunch of dummies.

And the loan by itself is really not interesting. The max available is 20k. There’s no interest charge on the first year, BUT, a payment of 100$ per month is requested... IT DOESN’T MAKE ANY SENSE. Interest charge begins on the second year. The interest rate is quite high, close to 7%. It doesn’t worth it to get involve with CBDC credit check, fees and stuff. I would have proceed with a request if the loan rate would have been of something like 5%. Higher than that, no thank you, I am not interested.

I am not receiving any kind of help and I don’t need any. I don’t even have a place to print my résumé for free. The Conservative New Brunswick government may think they are doing a great job, but they really not. No support, no service, no public transportation (Acadian Line bus transportation service had been on strike forever now....). I mean come on! New Brunswick Conservative government is hurting the citizens really badly. People of the CBDC, people of the government are just SITTING ON THEIR A*S, doing nothing at all. CBDCs should be completely eliminated. There’s no true services, no true willingness to help and to assist.

I am waiting until the end of April and after what I get the HELL out of here. Why I am not leaving now? Well, I plan to fill a small claim against my employer. I had been laid off because of their financial difficulties. Can you tell me why I was hiring back in September if you had financial difficulties? Like COME ON. My case is so good, I had spoke with several lawyers and I could get 15k, if not get up to 30k in compensation, but certainly a 15k. AND I WILL FIGHT UNTIL THE END and get my big bucks. I cannot wait for Monday to come. Just watch me going.

I am not running after trouble, it’s just that trouble LOVE me. KIND OF A LOT.

Between my portfolio management, small claim procedure, small business opening, and me working on the Web well, in the between, yeah, I had been busy. And oh, I sometime drink.

And here Derek Foster coming on today with a newsletter title: Any idiot can be rich! Ah yeah? Are you sure, Derek Foster?

:)

I wish I am idiot enough to be rich. I WISH. $$$

Maybe I am after all. What do you think? 

I am idiot, but I am not idiot enough to stay in New Brunswick.

TOO SMART FOR MY MONEY, TOO SMART FOR RBC, TOO SMART FOR CBDC AND TOO SMART FOR MY LATE EMPLOYER.

Happy $$$ weekend.