Montreal is getting a real taste of the Dividend Girl and they are loving it

I have been quite busy with a bunch of things lately and I got a mix of bad and good news, but mostly good ones. The bad news being that I had lost a big part of my freelance work. The department I was working for had shut down their operations. It could be temporary, maybe they will reopen but for now, they remain closed. It came like a thunder, without notice. I had that freelance stuff to help me once my contract will end see. It was my backup plan. Around 50 freelancers like myself have lost their job. For me, it’s not that of a big deal because I also have a full-time job and another temporary freelance gig. However, the biggest part of my freelance work is now gone. This means that I now have to rely almost exclusively on my employer for my living expenses. Question now being: can I rely on my employer? Well, it seems like so. (Are you ready for the good news now?).

As I told you before, I had moved from my little New Brunswick gangster town to Montreal for a 4 months contract back on May. That contract going to end in September. BUT, I signed a new contract this really past Friday and I got a permanent job! I was really happy Friday to learn the great news and I signed the contract right away. No need for me to “think about it” for sure! Especially with all the shit I had been offered. So I happily signed the contract and that’s how I am now on the road for a permanent full-time employment.

I am the third generation of sexy Acadian women on my mother side who’re in Montreal for work. Reality being if bitches cannot find work in New Brunswick, they simply go someplace else. That’s quite of a simple explanation. My grandmother “worked” in Westmount in a rich family as a maid during the Second World War while my grandfather was working on the boats Sorel. She wasn’t really working. She was paid to answer the phone and served food during dinning time and it’s about all. They have another maid to do the cleaning and I guess another one to cook their meal. They were a typical English Westmount family. In the area, all the houses looked the same. They still all look the same today and they are more expensive than ever before.

A few decades later, my mom follow my grandmother traces, she went to Montreal where she worked for a couple of months, or maybe just a couple of weeks, taking care of other people shit. And a few decades later, it was my turn… I worked in Montreal about 3 years before hitting back to New Brunswick. But I was laid off. I fill a small claim against my employer who have employed while being in debt and I went back to Montreal after I find employment.

Montreal and Quebeckers have treated my family members quite well. André the Saint took great care of them. And now it’s my turn. And it seem like Montreal want me really badly because I have built my small fortune here and now, my contract lead to a permanent job. Montreal wants me and Montreal is getting me. And Montreal is getting the Dividend Girl. I know what you are thinking.

Am I lucky? Oh yes.

And now, let’s move on. The most interesting part is just about to pop out. It’s the money part.

We’ll chat again later because I am not going to spend the whole day writing about myself and I.

Happy shopping.

Mega portfolio pow-wow: stuff that I hold that you should probably be holding too

First Majestic Silver Corp (FR)

I started trading First Majestic Silver Corp (FR) back in May 2011. I performed a few trades on FR, I day trade it for a few bucks. But after a while, I lost my luck and wasn’t able to sell First Majestic Silver Corp (FR) because the value wasn’t going up anymore. So I simply hold the stocks, hoping that one day, my investment would turn into... a mine of silver. No big return for now, however, I am on the closed $100 profit on that one. Lately, FR began to gain in value. I would like to partly sell FR, but I feel FR can go even higher, if not reach the $25 per stock… For that reason, I am not doing more than just holding and waiting for my luck to turn into some real magic cash.

Chorus Aviation Inc. (CHR.B)

Along with Fortis (FTS) and Emera (EMA), Chorus Aviation Inc. (CHR.B) is one of the few stocks that I hold being a Maritimes stock. I invested in CHR.B back in March 2012. I made a profit of $40 on the stock value so far.

I wouldn’t recommend to invest much more than $500 on this one if you are a retail investor. This stock can be quite volatile and it pays a very huge dividend of 16.22%. The dividend distribution is way too high, however, I do enjoy a super high yield stock once in a while. Just need to be cautious with that you hold, meaning don’t invest too much in the same spot. Chorus Aviation Inc. (CHR.B) could turn ugly, but seem to be in good track for now. Always be cautious with stocks paying an extra high dividend yield.

Rogers Sugar Inc. (RSI)

That one came in my portfolio in February 2011. Rogers Sugar Inc. (RSI) is FAR from being one of my favorite, but lately, RSI gains in value, for a reason that I ignore. My investment gains $80 in value. From my experience, RSI stock value likes to play the yo-yo and I really dislike it. I don’t know why I am adding it to this post.

WesternOne Equity Income Fund (WEQ.UN)

I invested in this one back in March 2011. This stock makes me look HOT. My investment in WEQ.UN gain a fantastic $1 263.01. I own it all to one special reader. Thank you honey.

Exchange Income Corporation (EIF)

I invested in EIF back in February 2011. Since that time, my stock value grows of more than 1k. I own this one to a reader too. A different one.

Westshore Terminals Invest Corp (WTE)

I never read much around this one and I never did any extensive search. I invest in this one because I was told that the CEO was among the richest men of Canada. Ok, good enough for me I invested and today, I enjoy some good dividend and a quite stable investment. Go figure. And I own this one to a reader. Another one :)

DNI Metals Inc. (DNI)

That one currently is at $0.29 but could hit higher in close future. I discovered that one while doing some trading. That was back in May of the year 2010. I wanted to perform a quick buy-and-sell move but I got stuck with it. However, I made over $200 in profit on it so far. To the current list, I could add AGU, CU, CPR… ENF, PPL and all the other good stuff that I hold.

In the next part, we’ll see which stocks that I hold that you should NOT, under any circumstances, hold.

Have a happy long weekend. I spent mine sleeping, shopping and enjoying the nice Montreal weather. Its nice to be wearing summer dresses in September. If it could only last.

August 31... really???

I received some really good dividend income recently. So far, I am at $511 for the month of August. My investment portfolio was about to exceed the 125k value when it suddenly drop to $121 019. That’s how it goes these days, the market is unpredictable. For that reason, I am looking forward to decrease my margin. I have over 53k in use on my margin account. I would like to decrease that amount to 50k. 

Thinking about it, it’s crazy how much I have used and reused my margin account money. I made my investment in the Jean-François Tardif fund using some margin bucks, I had purchased my TMX Group Inc. (X) shares using margin $$$. I had paid off my TD credit line using margin $$$, as well as my RBC credit line. I also invested in the Sprott Physical Silver Trust ET (PSLV) using margin bucks. So yeah, I love my margin bucks!

The stock market is way too much of a sexy temptation. It’s hard to control the stock impulse. However, I didn’t invest for a little while. Instead, I paid off my RBC credit line. Having a bit of money on the side can be very helpful these days.

The Euro zone is still very fragile and I had a good conversation on the topic with a colleague of mine who’s from Greece. The politicians had ruined their country basically. It’s not the fault of their citizens. But now, Greece citizens are paying the price and things could be very hard for the next 15 to 20 years. They are cutting the pension paid to their seniors and they have like not much to live on, just the strict minimum.

Some parents leave their children to the orphanage to ensure that their kids are going to have, at least, one meal a day. People living in the city of Athens are living in the worst condition because they have no land to cultivate. And people living in villages are poor, but live on the strict minimum. And also, there are a lot of animals around, like dogs because people don’t have any money anymore to pay for their dog meal. They leave their pets in the street. Those dogs are running around like wolves and can be very dangerous. Authorities shoot them to dead. 

Everything seems to be missing in Greece. There’s a part of population that want to leave the Euro. Left and right political party fight. The elected party in Greece is in minority, which is not helping in anything… And of course, we don’t hear about the real fact in the news. No one can really know how things are really really bad unless you go visit Greece or speak to someone from there.

Nothing is resolved for Greece. And fact is, as soon another bad news hit in regarding the Euro zone, the TSX lose points every and single time. It could be interesting to keep the cash and invest when the market will be down. I use to invest every now and then, but now, I may be watching for opportunities giving in a down market, while citizens of Greece are suffering. That's the side effect of an in deep economic depression.

We do live in a crazy word.

My freelance activities are going well so I am really not under a stress. If my full-time contract as an employee stops in September, I won’t be crying. I am a bit exhausted, I worked all summer long and in result of this, we are today… August 31 (September is tomorrow ???) and I am now 32 years old, but don’t worry, I look like in my middle twenties, thanks to L’Oréal and Oil of Olay, my pretty face is wrinkle free and I look hot. Or kind of. LOL. I look young but I guess I look older than a 23 years old. The Senator Rod Zimmer wouldn't be interested by me.

I am currently under investigation to target new quality stocks for my portfolio. I asked Derek Foster to go back in the Canadian stocks game. Would he listens? :00) We'll see. I  need my stock investment guru to go back in the real Canadian stock. No more US stuff ok?!!!

HAVE A GOOD FRIDAY. GREECE NEEDS OUR PRAYERS.

A Pedophile at the Canadian Senate: Rod Zimmer

At an age that senior retired peacefully, Rod Zimmer, at the old age of 69 years old, is married to a 23 years old. What the demoiselle find gorgeous in the old skin of an old man? Probably not the skin, but just the money.

In this case that is very closed of being a pedophile one, Rod Zimmer is not an ordinary senior, F a gorgeous girl in her hot twenties. Rod Zimmer, believe it or not, is a member of the Canadian Senate. An old man dating a young woman is not appropriate. Ad I believe they have been married for one year now. The marriage is obviously not a happy one, as Maygan Sensenberger literally exploded of rage in an airplane while traveling with Mr. Rod Zimmer, her sugar daddy.

There’s stuff that money can't buy.

It's my Birthday

!!!

Yup, I am turning 32!

Happy Birthday to ME.

Don't let financial institutions like the RBC Royal Bank have control over you

In my life, I always have the last word. When I am not happy I scream (!!), and when an investment doesn't meet my standards I sell. And that's what I had done with my RBC Royal Bank mutual funds: I sell them all. RBC Royal Bank probably think they have the right to increase my interest rate on my credit line of 3% for no reason at all, that doesn't satisfied me and I reply with a punch in the face: I sell my RBC mutual funds and I completely paid off my credit line.

Some says other bank are going to follow soon, going under the same bastard way, increasing  rate for no reason at all. I don't think TD will do the same thing. RBC Royal Bank always been a very fresh and arrogant institution. TD always been the people bank, opening early in the morning (8 AM!!!) and on some days of the week, closing late. Some branches are even open on Saturday. TD had the common sense to watch the middle class and say ok, those people are working from 9 to 5!

RBC Royal Bank started recently services in some branch on Saturday... But they only copied the TD way of doing business. So I think we have to be sensible and responsible enough to make the right choice when it come time to select a bank and a sexy broker.

Banks shouldn't have control over individuals. If Canadians would be smart enough, they will happily flush the RBC Royal Bank like I did. IF you go under the knife - if RBC Royal Bank increased the interest rate on your credit product for no reason, just go ahead and flush the little bunch of F@ckers. RBC will learn the hard way. At a net worth of more than 83k, I am not a customer that is at risk. But RBC wasn't smart enough to figure it out.

Go figure.

And my portfolio just keep increasing. My non-registered portfolio is now $123 919.

RBC Royal Bank can go F@uck itself. 

I know a bank that is going broke: RBC Royal Bank

RBC Royal Bank started by increasing the interest rate on their credit line products and now, RBC Royal Bank is boosting the interest rate on their mortgages. Who's going to do business with RBC? Not me for sure!

Its seem to me like the RBC Royal Bank has participated in the Maple Group but seem to be in a difficult path to avoid the vitality of their contribution to the Maple Group. First of all, RBC Royal Bank started by increasing the interest rate of my credit line of 3%. My response to that? I sold all of the RBC mutual funds that I hold and I paid off my credit line. I won't be doing business with RBC Royal Bank never ever again of my life.

RBC has no right to so, or should I say its not a very elegant moves of their part. The prime rate hasn't change and the RBC Royal Bank is increasing the interest rate on all of their credit products. Does that make any sense to you? It doesn't for me; that's why I decided to flush RBC Royal Bank out of my life.

Fact is, the RBC Royal Bank cannot afford its contribution to the Maple Group. That's what happening at this time. Also, the RBC Royal Bank is under a massive audit right now, trying to save any pennies they can from their businesses with third parties.

Does it feel goodto be part of the RBC Royal Bank as a customer or an employee?

WHAT A JOKE.

RBC Royal Bank CEO is a sad and stupid clown.

Don't ever put your trust in RBC Royal Bank. If a bank increase its interest rates on various products while nothing has change for the prime rate, well, think well: that bank is evil and only running for profit and profit so they can pay their executive members millions of dollars and be, at the really same time, part of the Maple Group.

I am really right on that one. Be smart and happily flush RBC Royal Bank out of your life. NOW!

This is a great number: $166 750.25

I haven’t invested my investment portfolio since a little while and the time had come to make a little refreshment. My overall portfolio value is of $166 750.25, which is very good knowing I had cashed in more than 4k through the Maple Group deal over the TMX Group Inc. (X). I am carrying a $83 259.17 on my super strong back J And my net worth is about the same amount, so it’s a pretty sexy half-and-half.

The RBC mutual funds that I used to have in my RRSP had been sold out. I still hold the money in fresh cash, I didn’t have time to reinvest it. But for now, cash will be just fine. And if you have note, we are welcoming a new investment: Geovencap Inc. (GOV). Don’t ask me anything about it because I am really not interested. It’s a stock related to Blue Note Mining (BNT). One more time, the Quebeckers of BNT are trying to save their furnitures. Blue Note Mining simply CANNOT deliver. SO PLEASE, do not invest in BNT or GOV. It will only be a waste of time and money.

For the past couple weeks, I have been cashing on the dividend. I do not have any DRIP, only for the RRSP broker account part. So I am happily cashing in the dividend. I am looking forward to decrease my margin to 50k. Really soon, that goal will be meet.

I would like to invest in some TD stocks. OK, I know what you are thinking. Yes, TD Waterhouse brokers sometimes are pissing me off, but no matter what TD Canada Trust is a good bank. It’s recently been classed within the 20 safest banks in the world. Chances are that TD will soon increase its dividend. And let’s face it, I always got a good service from TD. I may buy some TD stocks real soon.

I don’t get alone very well with TD Waterhouse male broker; it might be just a sexual thing or something going on. LOL. A girl, a guy and some stocks… Got the picture? I am slowly going to broke the bones of those lovely brokers and give them a French kiss.

Anyway, I am doing very very fine. On the stock market, you can count on the Dividend Girl to make some valuable cash and cash in all the dividend of the world.

You are just so lucky to be reading this blog at this moment. I envy you.

My investment portfolio on date of August 17, 2012

Savings: $535.94

Non registered Investments:
Stocks and Units investment portfolio $CAN
Sprott Inc. (SII): $4 493.55
Timminco (TIM): $1
Blue Note Mining (BNT): $12
Bank of Nova Scotia (BNS): $5 860.80
Hanwei Energy Services (HE): $18
Methanex Corporation (MX): $2 990.09
Fortis Inc. (FTS): $3 665.67
Pembina Pipeline Corporation (PPL): $12 705
Just Energy Group Inc. (JE): $9 190.24
Pengrowth Energy Corporation (PGF): $1 656
Enbridge Income Fund Holdings Inc. (ENF): $7 915.96
Corby Distilleries Limited (CDL.A): $1 965.35
Davis + Henderson Corporation (DH): $4 207.68
Premium Brands Holdings Corporation (PBH): $8 049.31
EnCana Corporation (ECA): $4 600.96
iShares S&P/TSX Capped REIT Index (XRE): $2 721.18

Horizons Gold Yield Fund (HGY): $1 875.42
Canfor Pulp Products Inc. (CFX): $988.20
New Flyer Industries Inc. (NFI): $1 593.28
Exchange Income Corporation (EIF): $8 255.28
Rogers Sugar Inc. (RSI): $599.45
Student Transportation (STB): $1 401.70
Colabor Group Inc. (GCL): $873.12
TMX Group Inc. (X): $381.52
Data Group Inc. (DGI): $2 896.70
K-Bro Linen Inc. (KBL): $2 775
Westshore Terminals Invest Corp (WTE): $5 314.20
WesternOne Equity Income Fund (WEQ.UN): $3 268
Atlantic Power Corp (ATP): $3 275.90
First Majestic Silver Corp (FR): $3 456
Kinross Gold Corp (K): $1 242.73
TransCanada Corp (TRP): $1 139.25
Canadian National Railway Co (CNR): $2 746.20
Firm Capital Mortgage Investment Corporation (FC): $533.60
Sprott Strategic Fixed Income Fund (SFI.UN): $430
Enbridge Inc. (ENB): $1 107.12
Agrium Inc. (AGU): $2 570.36
Canadian Utilities Limited (CU): $1 470.63
Veresen Inc. (VSN): $852.06
Chorus Aviation Inc. (CHR.B): $591.24

Crescent Point Energy Corp (CPG): $920.70
JFT Strategies Fund (JFS.UN): $1 950
Keg Royalties Income Fund (KEG.UN): $708

Geovencap Inc. (GOV): $1.70

TOTAL: $123 270.15

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 796.08
Cash: $4.12

TOTAL: $1 800.20

Tax-free savings account (TFSA)
EnerCare Inc. (ECI): $26.07
Dumont Nickel Inc. (DNI): $862.50
Sprott Physical Silver Trust UTS (PHS.U): $2 329.68
Cash: $4.75

TOTAL: $3 223

RSP investment portfolio:
Sprott Canadian Equity Fund: $4 627.34
Claymore Gold Bullion ETF (CGL): $4 887.48
EnCana Corporation (ECA): $2 256.24
Emera Incorporated (EMA): $7 584.22
Sprott Physical Silver Trust UTS (PHS.U): $776.56
Cash: $6 003.02

CIBC Dividend Growth Fund: $561.86
CIBC Emerging Markets Index Fund: $298.16
CIBC Monthly Income Fund: $1 052.99

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.06

GIC National Bank: $1 242.70
GIC Plus TD: $500

Maritime Life International Equity Fund
(Templeton): $584.15
Manulife Simplicity Growth Portfolio: $878.84
Maritime Life CI Harbour Seg Fund: $1 061.14
Maritime Life Fidelity True North Seg Fund: $1 012.92
Manulife GIF MLIA B World Invest: $631.76

Great-West – various: $1 957.04
Various other mutual funds: $675

TOTAL: $37 795.87

Social Capital at Desjardins Membership share: $40

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
($85.09):
$166 750.25

My debt situation on date of August 17, 2012

$7 875.45 at a low interest rate of 4.75% (RRSP credit line rates) = $374.08 in annual interest

$4 900 at a low interest rate of 4% (credit line rates) = $196 in annual interest

7 900.38$ on a credit card at a low interest rate of 2.9% (result of a credit card balance transfer) = 229.11$ in annual interest

6 593.61$ at low interest rate loan at 5.50% (student loan) = 362.65$ in annual interest

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

$10 000 at 9.30% (credit line rates) = $930 in annual interest PAID OFF

$54 162.26 at a low interest rates of 4.25% (margin money coming from my broker account): =
$2 301.90 in annual interest

$1 827.47 at 0.99% for a year (with American Express) = $18.09

TOTAL: $83 259.17

TOTAL in annual interest: $3 481.83
[In date of August 17, 2012]