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Wednesday, May 16, 2012

A Margin call or survey call coming from TD Waterhouse?


I received a call today and I was barely listening because I was eating at the same time, but I heard “TD Waterhouse”... at that point, I taught I was receiving a margin call. For a few seconds, my world, once again, was upside down... I kept listening, and I heard “survey”. It was a short one, wasn’t? 

If TD Waterhouse wants to make me happy they have to cancel their RRSP fee (under 25k it’s like $150 or $100 a year!!), they have to give the margin value in real time with the rest of the portfolio, they have to remove their one withdraw rule regarding the TFSA.

At TD Waterhouse, you can withdraw from the TFSA only once every year, which really s*ck. If you withdraw from the TFSA more than one time, you’ll be paying a F penalty. Is that supposed to be acceptable? NO, it’s not.

TD Waterhouse has a lot of things to learn and a lot of things that need to be improved. However, their brokers have nice sexy voices and I always LOVE to hear male brokers. Kind of my thing :)

Also, TD Waterhouse, lower your interest rate on your margins. Then, I promise, I will be happy, for once.

JFT Strategies Fund by Jean-François Tardif

My 2k for my investment made in the JFT Strategies Fund had been withdraw yesterday. The settlement date is this upcoming Friday, May 18, 2012..... So you know what this mean right? It mean that Friday, it will be tadammmmmmm.... Jean-François Tardif will be back where it belong! To the the belove stock market and publicly. And I hope Tardif will never leave ever again.

The gorgeous is sooooo extraordinary smart. I prepared to caash in big later on. The rules for selling the JFT Strategies Fund are really specific. First time I had deal with selling rule was with the Sprott Canadian Equity Fund. The investment made in the Sprott Canadian Equity Fund needs to be hold for at least 6 months. If you sell before, there's a penalty. Investing in mutual funds through a broker is extremely annoying because at the time of the sell, the broker keep a percentage of the sale...

I will make sure to be in front of my laptop for the market opening ok and I will be celebrating with a glass of... beer lol. All the wine had been drunk, there's nothing left. Living on a budget is not always easy, but may try to do an exception.... I need a bottle and instead of drinking my usual instead coffee (because instead is cheaper), I will be drinking a fruité white wine. :0)

I hope you guys will drink something tasty for the occasion at 9:30 in the morning (10:30 for me).
My mom will probably say something but I will just say we are celebrating something. And following what I will be drunk alllllllll dayyyyyyyyyy.

I don't feel as heartbreaking today. At least, Jean-François Tardif is going to make me rich....

Tuesday, May 15, 2012

Montreal, here I come

I had received some very good dividend payment today. With my DRIP that been cancelled, I can enjoy the cash. I am trying to decrease my margin a bit. I had applied a 1k from my own money. The stock market is not doing that well, but personally speaking, I am doing better. I got another freelance job. Its interesting, but there's a lot of documentation that I need to read. I read it all, but I will need to do another reading. Its a bit complicated. After a first try, it should be all right. I am looking forward to begin by tomorrow.

On top of what, I am leaving for Montreal this upcoming Sunday. I began to put things aside for packing. I also took care of several things. All a lot of work. I had moved so many times in my life, but each and single time, its a pain. Soooooo many things. Like my car, my insurance, etc... oh lala. AND my credit line at RBC. Its about to get resolve, but its all little things like that who had been taking my time. I am enjoying a few days left to do some more paintings and give my new freelance gig a try.

Problem being, everything is happening at the same time and on top of that, the TSX is under the 12 000 points.... CRAZY. I cannot wait for the JFT Fund to hit the market. Its going to be on Friday :)

Friday, May 11, 2012

$125 318 and a few pennies


Look at the lovely summer dress I just bought! Very pretty, don’t you think so? I am leaving very soon for Montreal. I am pretty much all set. And best of all, I am going back in my old apartment where I used to live when I left Montreal in September 2011. My accommodation problem is resolved. I am staying in a University residence for 12 days in X University somewhere located in Montreal lol.;0)

I took the cheapest accommodation I could find and in result, I am leaving exactly 2 days before beginning my job. I would had liked to go earlier but at $34 per night (it’s cheap, I know, but I am really on a budget), I decided to do a last minute thing. I will have at least a day to do my nails and visit Montreal. What I plan to do is to take a part-time summer job so I can save more cash for once I will be back under unemployment. 

It’s a chance to have those credit cards. I had paid around $400 for my temporary stay at the student residence and I had to pay $300 in front as a security deposit to get my old apartment back. Does it worth it, to go to Montreal just for a temporary position? Well, it worth it in my case. It’s not like I have many years of experience and I prefer to take whatever present to me, especially while it’s something related to my field and especially knowing the workplace conditions. It will also give a good work reference if it goes well because let forget about my late employer ok, I am suing them in court. I know what you are thinking and please, just stop thinking. It’s about my extraordinary life here so calm down. 

I know Montreal quite well so it’s not like I am moving to a place I don’t know. I am getting a 16 week for sure of labor, enough to make my unemployment for next year I guess but I don’t know for sure how it work. But what I know for sure is that my investment portfolio is performing very well. The TSX is under the 12k points, but my non-registered portfolio is at a very good $125 318.13. Yesterday, I closed the session at 124k+. I have more than $14 000 left on my margin. Very soon, a 2k will go to cover my new investment in the JFT Strategies Fund. I already injected in cash a 1k in my margin. I need to add on another 1k by May 18. I really need to have a around a 15k value left in cash in my margin. The best will be to have a 20k left to keep it safer, especially in those very hard market conditions. I kind of having no choice than to seek for part-time work when I hit back Montreal or I will have to limit my purchases.

Thursday, May 10, 2012

There is a temporary system problem. Please contact your local TD Waterhouse office for assistance.

...

This is the first time ever I am having a problem to access my account during day time.

TD, fix your system problem please.

Maple Group and Bev Oda: corruption, corruption, corruption!

I had cancelled my DRIP and in result, I had calculated the value of my dividend portfolio. With what I currently hold, my annual dividend income is of $7 057.20. Quite an interesting amount of money and I need the money. My non-registered portfolio is at $123 360. I am closely monitoring the stock market these days. The Greece people haven’t understood yet that they will have to go under austerity for the rest of their live. Once they will understand, the situation will be more stable... But I doubt about Greece stability unless a major plan is being defined. But we have lost our hope. François Holland had been elected because Sarzo had pushed the retirement age at 67. It was one of the factors. Europeans are very selfish people. They want everything for them and their economy, even during good time, is extremely poor. Europeans will have to understand their mediocrity and leave the super industrialize countries emerged and moved forward. France itself is a big problem is the Euro zone, but they are being seen as a good economic country, when they shouldn’t.

The TMX Group (X) stock has closed yesterday session at a very good $47. I had been holding X for several months now. Since the acquisition history began, first with the London Stock Exchange and after with the Maple Group, I had been on my way to make a few hundred bucks out of a deal that will destroy the Canadian economy and its entire credibility. No matter what, I decided to digg in and yeah, like the m*rons group of bankers of the infamous Maple Group, I decided to make money out of the money.

When the TMX Group Inc. (X) acquisition drama began, I jumped in blindly without the heck of a hesitation, but I was far from expecting such a long delay before any deal get finalized. It’s been a couple of months of holding and while waiting I had benefited from the TMX Group Inc. (X) dividend. I am hoping to cash in $50 per TMX Group stock that I hold. That being for me and the TMX. The only reason why this stupid acquisition is going to work out it’s in reason of our incompetent Tories government. Stephen Harper covers the back of all groups of id*ots Ministers. Bev Oda being the latest id*ot Tories proof.

It’s normal for Bev Oda to life a rich life on our tax money. It’s normal for Bev Oda to rent hotel rooms reserved for the millionaire of this word. Bev Oda is a PIG and doesn’t deserve to be part of the Canadian government. If only Jack Layton would be still alive, he would had kick Bev Oda out of there and we’ll never heard of her ever again. She’s irresponsible and she’s a shame. Thousands of Canadians are losing their job because of government cutting here and there, but Bev Oda with her piggy face is just there to live like a Queen on our tax money. That has to stop. How come Bev Oda is still the Minister for International Cooperation? She doesn’t deserve such distinction. If she wouldn’t have been catch on her expenses, we wouldn’t have heard anything about it. What’s the relation between the TMX Group Inc. (X), the Maple Group, Bev Oda and Stephen Harper? Well, it’s all part of the stupidity of our system.

Bankers are already corrupted enough. Recently, my RBC credit line interest rate had been increased of 3% without any reason. I never miss a payment and overall, my credit history is very good. I have a net value of more than 80k and on top of that, the prime rate hasn’t change. Basically, what happen is that RBC Royal Bank had increased my interest rate just to make more money on my back. I am victim of a conspiracy between the banks and Stephen Harper. Also, the government of Stephen Harper has made pressure on banks for them to increase the interest rate on their banking products such as credit line. This had been made to put pressure on retail investors like myself so we will pay our debt. The conspiracy is really there. It’s happening right now. Canada is slowly changing into a communist country, where citizens have no right to do what they want with their money.


Fact is, Stephen Harper will do everything he wants to achieve his goals. Stephen Harper wants Canadians to hold less debt and putting higher the interest rates is just the beginning. Stephen Harper wants the TMX to be run exclusively by Canadians and fact that the banks and pension funds are going to manage our Canadian stock market makes Stephen Harper happy because in case you didn’t know yet, the government manipulate banks. We have an example with the increase of the interest rate I had been target, but I am not alone. If the Maple Group becomes owner of the TMX Group Inc. (X), Canada will soon be transform into a land of massive corruption, more than it is already, thanks to Stephen Harper. Fact is, generally speaking, Canadians are really weak and not very strong. No one really care about Bev Oda case. It’s been declared, but no one is taking real action to say: THIS IS VERY TERRIBLE.

Canadians are so dumb and stupid that they have elected Stephen Harper with a MAJORITY. What a bunch of complete morons! And now, Canadians are paying the price of their stupidity. You like Stephen Harper? PREPARE YOURSELF TO SUFFER. IT’S ONLY THE BEGINNING OF THE END. I work very hard every day trying to develop multiple income streams for myself. Fact that there are thousands of people losing their government job and it’s a good thing. You wanted the Tories in, you got what you deserved. Prepared to suffer.

Thursday, May 3, 2012

Remember the name, remember the date: JFT Strategies Fund, May 18, 2012


When I am busy and I have a lot going on, I find it difficult to find some time for blogging. So I have a lot of catching up to do! Let’s start with the best part: my non-registered portfolio is exploding to a very great $125 446.95!! THAT’S A LOT OF CASH. I am beating my score of March 13, 2012 when I had reached my highest ever, $125 213.

Great dividend income of $709.77 for the month of April! I left the DRIP on my non-registered portfolio cancelled with no regrets, hoping to cash in big next month, well, actually, for this month, since we are already in May!! No sign of unemployment benefits still, but I received a call yesterday, I had been asked some questions regarding my job search (where I had applied, and what was my self-employed about...). I answered the questions and explained that the self-employed is more for extra money and a tentative to remove myself from unemployment. Luckily, I had noted all the places I had applied for a job. It helps me to name the job places where I made an application. Following what, I was cleared to go, I should know how much I will be receiving by the end of the week.

With less than $700 left in my banking account, I am slowly, but certainly desperately running out of cash. I am waiting for a cheque to come in regarding my small business. With my upcoming pay cheque and unemployment benefit that should come on in if not next week, the week after, I will make sure I leave enough cash in my banking account for a couple of months ahead, at least 6 months to a year. What I need directly in my banking account is not that much actually. It’s just to cover for my minimum automatic monthly payments (like loans). That minimum required is of $266, which make $1 596 per 6 months.

I am moving to Montreal really soon. I had found a place, I should know more by the end of the week.

Another exciting news: I had reached 100 000 views on HubPages! Thanks to Reiko MacKenzie, Christina Kiesel, Ronnie Seterdahl Negus, Jody Claman and Mary Zilba, the sweet b*tch*s of Desperate Housewives of Vancouver, my viewer counter had exploded! My blog had been read more than 315 000 times so far since 2007.

Hot gossip stuff. I know you cannot get enough. Thanks for reading this very great blog. :)

On May 18, I should get in the JFT Strategies Fund of the very fabulously sexy Jean-François Tardif. Here on the Dividend Girl, we’d been super fan of Jean-François Tardif since we started investing in Sprott in 2008. I place an order for a 2k investment in the JFT Strategies Fund and I cannot wait to see how it the fund will perform on the stock market. Following what, I pretty much have everything I ever wanted in my portfolio. If I can decrease my debt level in the next couple of months, pay off my RBC credit line, I should be alright. I will be more careful in the future now that I had experimented unemployment.

The reason why it happens to me is that I am too good for myself. See what I mean?

LOVE YA.

I may have my RBC credit line interest rate problem being resolved. I was at 7.52% before since the opening of the credit line, and currently I am at 10.52%, for no reason. So I am really hoping to get this resolve soon. I had the credit check and everything done 2 days ago. IT BETTER GET RESOLVE OR RBC IS GOING TO SEE WHAT HELL LOOK LIKE. haha.

;0)

Peace.

Tuesday, April 24, 2012

No DRIP no more


I never taught I will do so anytime soon, but yesterday, I call my broker, DRING, DRING and cancel all DRIPs of my Canadian non-registered portfolio. Fact is, I don’t have much in cash reserved, if not almost nothing, just a few hundred bucks. Cashing in the dividend distribution is greatly needed at this time. Especially now that I am about to move back in Montreal. 

I am using as much possible my American Express for all places that accept it because I have a 0.99% interest rate for one year... My limit is very low on the American Express, which is unfortunate. I am now a big fan of buy-now-and-pay-a-bit-later..

As announced in the previous post, I am moving back to Montreal where I got a temp position. Temp or not, I jump on the offer. Job searching is terribly annoying. Anyway, the job is well paid and I don’t mind spending the whole summer in Montreal. 

I am under process to have my will done. It’s something I never took care of, probably because I don’t have kids of my own and/or sexy husband. When I will be dead I will be dead. Money won’t be of any help, but it could help other people of my family. I guess that’s the idea behind a will. Basically, I will use my $185 tax return to pay off for the will, which is $150, for the cheapest I was able to find.

From a comment I read in a previous post, I think some haters-readers really don’t know what it is to have small business. Starting something from scratch is not easy. And while mixing my small business activities with job searching well, all I can say, it’s all hard work. And talking about my small business, my English Web site is now online and no, you won’t be getting the link from here but you can always take a look at here to satisfy your taste for gossip and hot stuff.

Friday, April 20, 2012

Montreal, here I come again






































You are seeing some pictures took in Montreal because... I am moving back to Montreal...

Not even a year after I left Montreal... I am running back to town... Better to laugh about it right. I did several applications in X town of New Brunswick, but I haven't received any news. I had applied to this X job in Montreal back in March, shortly after my laid off. I got the interview today and got the job. Its a temp position, but decided to accept it because its in a nice firm located downtown Montreal and the salary giving is ok. I prefer that rather than pursuing a job search leading me no where. Anyway, I am very please. The job begin in the middle of May. I am a moving specialist, I don't count the number of times I moved around.. I don't have any problems with that. I just consider myself lucky to actually find something. F the small business project LOL. It's not f, but I will try to develop it as a side project.

I am quite happy because now, I can stop searching for a job, I can concentrate on my "business" lol or just write on HubPages and stuff.

Montreal, BE READY. I am back.
 

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