Black Diamonds are a girl best friends: come on over and discover Black Diamond Group Limited (BDI)

Its already 10 PM so this post won't be very long. I am getting tired after doing a bit of laundry and cooking my lunch for tomorrow. I am trying to safe as much cash possible because next week, I AM GOING HOME. That's right, I am going to New Brunswick for a few days. Maybe you'll be as much excited as I am over a finding of mine. Are you ready? Close your eyes, reopen please...

The precious is name: Black Diamond Group Limited (BDI)

This stock is a real diamond and the way I find this stock is like black magic. BDI has a meaning where I work and I was just standing in front of the TSX home page and I enter BDI and boum! there it was: Black Diamond Group Limited (BDI).

BDI chart from its first day until now is just sensational. Black Diamond Group Limited (BDI) pays a monthly dividend. I LOVE MONTHLY DIVIDEND DISTRIBUTION. The yield is a bit low, less than 4%. However, holding a bit of BDI could bring in stability in my portfolio. Even if its a relatively young company, they are well established in their business and already made an acquisition a little while back. Its a company located in the West of Canada.

Its well ranked by TD Waterhouse.

You may want to check on BDI before investing as I didn't perform much search on it, but I really like it so far. I just wonder what's the margin loan value on that one. I may invest in this new one by Friday - maybe.

I have too much I want to invest on, Fts, Leon, gold... some Jean-François Tardif stock....

This will never end.

Have fun on BDI and enjoy!

More Fortis (FTS) please

Nothing much going on these days. I am stuck in the routine of the everyday life, but its not that bad. At least, I have a steady source of income. But life is basically routine now. The excitement of the "new job situation" is now gone because guess what, the job is not new anymore. However, I enjoy it very much because time pass by very quickly while being at work. I started later in the morning, so I can have extra sleep and I like, I enjoy my beauty sleep. So I wake up, eat breakfast, get ready to got o work, walked for about 40 minutes, stop by the Second Cup and go go go to work. I worked all day, I have an hour lunch, go back home, read on the Web, check on my stocks, go to bed, and the next day, its again the same good thing and oh, I forgot the most exciting part, every two weeks, I get paid, and the money goes straight in my bank account. Could I asked for anything better? For now, I am set and I am cashing in all the cash I possibly can. Cash-ing, cash-ing $$$.

I could always earned more money. I had been enjoying my free time and I really don't want to work at a second job, except my old freelancing.

I had been doing some freelance on the side, but I haven't done much for about 3 weeks. That one is nothing really steady. I may be able to make maybe top 2k a year on it, and probably even less. But it should be enough to pay for my extravagances like shopping... shopping and shopping. At this time, I would very much like a new purse because mine is not a very pretty purse. My mom picked it for me but since there's not too many stores at home, I guess she did the best she could but I don't like it. Its a boring black purse but at least its large enough to carry an umbrella and all the girl stuff..

In my last post, my portfolio used to be at $124 652.31 and now, the same portfolio is at $123 524.62. Its not a surprise, I knew it was going to be rough BUT I like a TSX on the high and I LOVE to have those nice gain that actually exceed my initial investment value. See what I mean? Its a good time to invest in blue chips. Fortis (FTS) will never go down much, but I will like to invest a bit more in Fortis. The Leon of Derek Foster didn't moved, quite stable in the value. Isn't a bit strange for a furniture store? I don't get it. But anyway, Derek Foster always has the best stock pick. Go go go Derek Foster.

So I guess its all for now. I don't have anything else to say. If not that there's only 2 days left before the weekend (yes, I count the days). ALWAYS.

Dividend income are for playmates who like it easy

Following my new investments in HealthLease Properties Real Estate Investment Trust (HLP.UN) and Bombardier Inc. (BBD.B), my non-registered is at $124 652.31 and my book value is of $124 607.97. Not so bad knowing that involved a portfolio with a flop of 4k in Timminco (TIM). I am on th right track. I was thinking of investing more in Fortis (FTS). Such a great stock.

I was wondering about my dividend income so I took time to proceed with the enormous calculations aand my new annual dividend income is of $7 028.80. For 2013, I would like to hit the $8 400 (for the magic $700 per month). I didn't wrote anything about it but Susan Brunner post a review of ATP and its not a good one. Its almost like ATP has stuff to hide. Its not very normal. I have more than 3k invested in ATP and I am seriously thinking of decreasing what I own in the company while I can still do so and sell at profit. But if I do so, it will decreased my dividend income. Fortis doesn't pay as much as ATP in dividend.

For retail investors, dividend income is a huge deal. But dividend is not all. The investments need to of quality. I am scared that ATP will get sooner or later in trouble for whatever reasons. A guy from Just Energy is from ATP. Is that good or bad. Susan doesn't like one or the other, but I like both just because of the juicy dividend and now, I am where I want to be; I am exceeding the 7k in dividend income. Happy? Yes, but... Is ATP a good investment at all?

It take a fortune in cash to be able to generate a great passive income from dividend investment. My silver investments are slowing gaining in value, so its not time to sell.

In other words: dividend investment is HARD and more complex that it appears. High dividend yield are tempting, but be aware of all stuff paying more than 8%: its RISKY stuff. I am aware, and I am now facing some tough love dividend choices. Safety or dividend income? Can I have both PLEASE? Someone!

:)

Welcome in my portfolio HealthLease Properties Real Estate Investment Trust (HLP.UN) and Bombardier Inc. (BBD.B)!

It’s now official: HealthLease Properties Real Estate Investment Trust (HLP.UN) and Bombardier Inc. (BBD.B) are now in my portfolio! My non-registered portfolio is at a very good $124 842.99. I am loosing count of my dividend, but I guess I am now at 7k or very closed now. Td Waterhouse should incorporate a tool for investors on the go who want to have a quick idea of how much they are going to earn in dividend. That would be nice and for once, TD Waterhouse could eventually incorporate something useful for once. You know, something to help investors. Do you understand? LOL. 

My portfolio is doing well these days. My non registered portfolio closed yesterday session at $123 074. The money advanced on the margin is of a very fat $50 486.40, and the money left, meaning the money available on the margin is of $17 551.54. A 17k left is very good. What I try to maintain as amount is 15k, but the higher the better.

I have some money left and I am very tempted to invest in a few stocks of DirectCash Payments Inc. (DCI). I also had been looking at what Derek Foster hold as Canadian asset in his Revised edition of The Lazy Investor. Derek Foster doesn’t hold much in Canadian dollars, but there’s at least one stock that seem to be interesting: Leon's Furniture Limited (LNF). DCI and LNF are both on my dream stock lists.

Leon’s is terribly boring, like do I really care about furnitures? I don’t care, but I am going to invest in it anyway, ONLY because it’s a stock hold by Derek Foster. Hey, I didn’t care much about linen when I first invested in K-Bro Linen Inc. (KBL) and KBL is now among my top stock performer. Thank you Susan Brunner (I find the stock on her blog). Watch out Leon's Furniture Limited (LNF): YOU ARE NEXT.

Following what, I am doing to invest in a boring blue chip, one of those who are something very strong for my portfolio, but pay little in dividend. And following what, we are not doing to be done yet so stay tune. I am tempted by a gold investment.

Lately, Gordon Pape has named my Claymore Gold Bullion ETF (CGL) as being among the best gold investment you can hold. I know it’s not Claymore anymore, but I don’t like the idea of holding it in term of iShare. I like diversification you know. Anyhow, now you know where Gordon Pape is getting his stock picks from: from the Dividend Girl baby.

HealthLease Properties Real Estate Investment Trust (HLP.UN) and Bombardier Inc. (BBD.B)

Now that I have – at least for now – a stable job, I am desperately trying to get myself on a schedule. I need to organize myself. It’s really not that easy. Not easy at all. I didn’t get my Quebec ID’s yet, I didn’t transfer my RBC RRSP money over to TD Waterhouse yet. All kind of things like that. And it makes me wonder, what I had been doing lately? Well, I had been shopping, I went to the movies, I walked downtown and in the Old Montreal, I went to the bookstores...

Like yesterday for example, I was at the Second Cup on Ste-Catherine and I saw that man, a look alike Denis Gagnon the couturier, just that his glasses weren’t that big and he was taller. When the gorgeous enter the coffee shop, I was like oh lala, what a hot guy. It was the version more virile and masculine of Denis Gagnon. Because as you know, Denis Gagnon is gay. I don’t have anything against gay men, I just find it very sad, that lost for the female society lol. There’s all kind of man on earth.

Models look alike are certainly not very hard to concentrate on. I am going to turn into a Samantha of Sex in the City and scream loud and clear: Do you want to F? LOL Remember that seem where Samantha practices yoga and than suddenly, she cannot take it anymore and she wanted to the guy and asked him... do you want to F (she first said it not very clearly) and then at the end, she YELL it. LOL. That Samantha was so a terrific pal. So funny! Could you imagine that in real life, just a life of I want and I do. Interesting.

So no, I haven’t been that busy, it’s just that all the crap went on the side and I like it that way. SO FREE. One thing for sure, with all that shopping, I won’t need anything for a while so I can now begin to exclusively concentrate on things that really matter before going broke, like doing my nails ahah and blog like crazy again ok youhouuu. Lol. I haven’t much in my wardrobe and it was all so terribly needed. I better look with clothes on than naked unfortunately. (But that only being at this time).


A girl who has a lot of freetime for helself can really think of a bunch of crazy thing!

With all that, I finally set up myself to buy some stocks of HealthLease Properties Real Estate Investment Trust (HLP.UN). I am not available at all during daytime so it’s kind of hard to pick the right timing to invest in HLP.UN. I won’t invest in it as much as Pattirose, but that’s because I find the other Jean-François Tardif stocks so interesting. I am thinking of adding on BAD and DCI as well. I would very much to earn the equivalent of $700 per month in dividend and I would like to make $200 from my HubPages and online, for a total of $900. Quite realizable without too much trouble at all. I like it easy you know. I haven’t post anything new on HubPages for quite a while and I miss it. Those crazy little articles have been fun to write. If you haven’t check me out on HubPages yet, please do so NOW.

It’s now official, tomorrow morning, HealthLease Properties Real Estate Investment Trust (HLP.UN) will be from my portfolio. Easy as that. Isn’t awesome? Lately, other than my idea of investing in a REIT, I had been thinking of investing in Bombardier Inc. (BBD.B). The stock is pretty cheap and pay a little dividend yield of 2.719%. I would like to invest a small amount in it and later on sell the stock when it will be on the high. The price is right now. Later on, the stock could reach its old 2008 value, who knows.

I really have a crush on Bombardier Inc. (BBD.B) at this time. Bombardier sold some private jets lately. I am always running up on some awesome deal and from my perspective, BBD.B is a good deal. I really have nothing to lose on that one.

BBD.B could turn as good as my investment in Chorus Aviation Inc. (CHR.B). I made what, closed to an increase value of $100 or so on CHR.B. I was planning to do a quick buy-and-sell on CHR.B, but hey, at the price I paid the investment, I am willing to hold. I am that hot market player just like I would be someone how hold so much cash, but it’s not the case. Fact is, the middle class is on the best position to enjoy freely the stock market. Do I love the stock market? Oh yes and the stock market loves me too. It’s been 5 years of pure money love this year as I started investing in stocks in 2008. Rough pleasure. Its is what it is.

Jean-François Tardif is now a dividend investor like you and me

I now have Internet at home, but I haven’t been very active around here too much. I have followed the stock market from a distance. But nothing much is going on, except maybe good news for the Euro, in a certain way. The Euro seems to be secure for now. Just like Greece, Spain is facing major financial difficulties. It had turned quite ugly in Madrid. Not too far away in Syria, it’s the civil war. The world of today is all upside down. It’s really important to invest carefully. On that matter, I had been more than lucky so far. Remember that I said that I was looking to invest in a REIT? I had been searching and searching, but nothing catch my interest. I could have invested in the mountain lion hero Dundee REIT (D.UN), but at close to $40 per stock, I find it quite expensive. Especially knowing how much D.UN is sensible to the market volatility. Meaning, I buy at close $40 now, but chances are that at a point, the stock will trade at a lower level. It’s just a matter of time. Just wait for the Euro situation to degenerate, just wait for more bad news from the States and voilà, you’ll get the D.UN stocks at closer to $35 than $40.

In his revised edition (2012) of The Lazy Investor, Derek Foster shares his portfolio, but the problem being that his portfolio is mostly in US dollars and I haven’t found anything really catchy. I already own EnCana Corporation (ECA). Forget about Manulife and Power Corporation (POW), I will never invest in those of my life. So what’s left? Husky Energy Inc. (HSE)? Hell no, way too much volatile and the company is hold by foreign investors coming from Asia.

Husky never fully recovered from the 2008 stock market crash. What I am trying these days is to find stocks that survive from the 2008 stock market crash AND also trade at a higher value than BEFORE the crash. If you can find such perfect market diamond, go for it. Pembina Pipeline Corporation (PPL), Enbridge Income Fund Holdings Inc. (ENF), K-Bro Linen Inc. (KBL), Fortis Inc. (FTS), Methanex Corporation (MX), TransCanada Corporation (TRP), Canadian Utilities Limited (CU), Westshore Terminals Investment Corporation (WTE) and Enbridge Inc. (ENB), just to name a few. Enbridge Inc. (ENB) 10 years chart is PERFECT. PERFECT CHART = PERFECT investment for your portfolio and a lot of $$$. Fully load of cash.

Before the 2008 stock market crash, Husky Energy Inc. (HSE) value was more than $50 per stock. Four years later, in 2012, Husky Energy Inc. (HSE) stocks trade at not even $30 each. There’s a big market loss of more than $20 per stock. Am I going to invest in such stock? The answer is NO. I am not going to invest in Husky Energy Inc. (HSE) soon. I would like to know the reasons of the Derek Foster behind that acquisition.

Anyway, Jean-François Tardif came to my rescue and solved my problem. In his interview, Jean-François Tardif named HealthLease Properties Real Estate Investment Trust (HLP.UN) as being one of stock he likes. And this is how I find the REIT investment that I wanted to add in for so long. HealthLease Properties Real Estate Investment Trust (HLP.UN) offer a dividend of close to 8% and currently trade at super low price of $10.50.

In a Bloomberg interview with Eric Lam THE Jean-François Tardif announced that he had become a dividend investor. That pretty suck because the only reason why I invested in his JFT Strategies Fund (JFS.UN) is to benefit from his extraordinary market skills. I wanted that from him: extraordinary and fantastic market gain. Just like he did in 2008. The gorgeous was able to do it in 2008, It old myself, 2012 is not that different right? But... to that, Tardif said no-no, 2012 is way too much different, the market is not the same and now, the fabulous decided to be down to Earth and make me live in the regret of having invested 2k of my very own pretty money in his fund. Like what the heck Tardif! What’s wrong with you? I invested in your fund to get the extraordinary out of you. The fabulous that you are had turned into a pretty boring thing but at least, you are still sexy and good looking.

Seem like I am going to have to digg all by myself and get the extraordinary myself, all alone.

If I get on you one day I will punch you against the wall – but not very hard, very gently at first and than, I am going to fix you ok. I am going to fix your problem. Its not because you are now millionaire that its time to give up on the stock market. Play and play hard. Make ME become a millionaire on your back. I am not going to give up on you yet so PLEASE WAKE UP.

The Lazy Investor, Revised Edition by Derek Foster

In 2012, Derek Foster published an update edition of his famous The Lazy Investor. Its just yesterday that I find out, while being at the Chapters on St-Catherine. I saw that yellow logo REVISED EDITION on top of the book that kick it all.

The Lazy Investor was first published in 2007 and back in the time, Derek has 4 children. But now he has 5 or 6. Its seem like the fellow didn't update his cover information: he totally forgot about that new and exclusive kid lol...

I didn't give The Lazy Investor a full reading. Its after reading The Lazy Investor of Derk Foster that I purchased my first stocks. That was a while ago. I had read The Lazy multiple several times, trying to understand and I wanted to make sure that I understand. Eventually, I will read the revised edition of The Lazy Investor, but what I did yesterday is that I went through the last couple of pages. I wanted to check if Derek Foster has displayed the SO WANTED and needed information: a copy of his portfolio. And it was there! So I happily buy the book.

Derek Foster doesn't hold too much Canadian stocks, just a few ones. Among them, he hold Power Corporation and Manulife. Does two will NEVER be from my portfolio. Power Corporation is a all f@ck up Quebec company that does lobbying, and had been massively involved in corruption and truly, Power Corporation is a f up company that been too closely involved with the politicians. Manulife had been in Derek portfolio since the Stop Working, so no big surprise. I am not a fan of insurance companies. I will never invest in stuff like Manulife or Sun Like, name them all. Their stock value is extremely sensible to the stock market volatility. Check the Manulife chart for the past decades, you'll see what I mean. Susan Brunner also hold Power Corporation and I just don't understand why some brilliant people like that will just hold and stand by a piece of shit like Power Corporation. That just confirm that I am the only one right on everything ahah.

I won't disclosed more about the book, but if you pass by a Chapters or Indigo, buy it. The fact that Derek Foster hold Manulife and Power Corporation just make him a bit more human. Nice biceps showing off from the Regina video anyway.

The Lazy Investor returned! Yeah!

My next investment: Canadian National Railway Company (CNR)

Its heavily raining in Montreal and I am stuck inside, waiting for the rain to stop.

I just watched Derek Foster presentation giving in Regina and I find it very great. Derek Foster is a very great talker and he must have been a very good teacher. His presentation give a good overview of his work. He actually talked about a few stocks, but nothing new. I have someone who comment saying that he didn't talk much about stocks and actual investment. He did mention a few ones. It was a quick presentation of about 30 minutes or so. Very nice. Now, we all waiting for Derek Foster new book to come out.

I recently got a stable job and for the next few weeks, I will be fully load of cash. also recently, I partly sell FR. At first, I wanted to use the money generate from the sell to invest in a dividend stock, but for now, I just have one idea in mind: to invest more in Canadian National Railway Company (CNR). In the immediate time, I won't be earning much in term of dividend. CNR has been among the top stock performer of my portfolio and thinking about it, chances are that CNR will simply continue to gain in value over the years. Compare to Europe, Canada public transportation is similar to a third world country, or almost. Anyway, we have the train. Its not a fast speed one, but still, we have rails. At least.

CNR is the type of idiot proof stock that you can hold with basically any fear. currently, CNR value exceed the $91 per stock. I won't be investing in 100 stock of CNR, just a few ones, not even 20. No matter how big or small is the investment, in 20 years from now, those stocks will probably be worth a fortune and I will probably be able to benefit from them.

I still have an idea about investing in a REIT, but I don't know which one. 

Financially illiterate but real genius. 0)

Is it still raining? I want to go home.

Andrew Hallam, the millionnaire teacher, but that's all

I was supposed to wake up at 5 but I wake up at 6 to complete some freelance work so this post won't be proofread (like usual) and it might be short (very unusual).

I am now enjoying my weekends because I barely have nothing at all to work as a freelancer.

Anyway, I was at the Chapters on St-Catherine this weekend and I send the book The Millionnaire Teaccher of Andrew Hallam so I gave it a quick onsite read. I couldn't believe that the guy deprive himself from essential living expenses such as food and public transportation. I am a frugal babe, but I will never deprive myself from food to have more money to invest. For quite sometime, he was able to save as much as 70% of his teacher salary to invest. Nice, but the poor guy certainly never taught of the effects of such deprivation on the long run. Andrew Hallam may be a millionaire, but he's a complete maniac.

He used to barely heat his place (hey dude, in Canada, we have winter) and eat a poor diet composed of pasta and peas. Barely no vegetable. Such diet is very dangerous for the eyes and the immunitate system. I didn't saw a doctor in more than 10 years (its not a good thing to do but I am not going to even try to find a family doctor in Montreal) its because of a wealthy diet. I have a taste for sugar and junk food occasionally but these days, I am even working on it better. Just to say that you will turn very badly if you do it like Andre Hallam. When I am saying that the man is a maniac, he's really is.

His book is mostly focus on the power of saving and the value of investing, the effect of interest over time and not that much about investing. If you don't know how to save cash and spend it smartly, you have a very long way to go before you can even find money to invest. That's depressing. The book of Andrew Hallam is a very depressing book.

You don't have to have a million book to be rich. You don't need a million to be financially rich and independent. That's the very smart way of Derek Foster.

Andrew Hallam loves money, but he hates debt. Holding debt never been a problem to me. I never paid my student loan because I preferred to have those several thousands on the market and in "save" in case of need. Also, don't forget the tax credit. 

I visited Andrew Hallam blog a few times and I cannot read him, his perfect English.

I want to feel the excitement of the stock market and I don't get that kind of buzz and hot feeling with him.

Saying goodbye to some Majestic stocks - FR

My investment portfolio is going quite well. When the TSX goes up, everything goes wonderfully well. I was quite serious to check on my annual dividend income so I went through some calculations to find out that I am now at $6 908.05 in annual dividend income. Not bad, but I remembered having more not too long ago. I don’t like to be under the 7k in dividend income. After all, we had reached the 7k back in 2011. It would be nice to learn more year after year and not less right. There’s many ways to benefit from the stock market. The dividend income is among the easiest and safest way to benefit from the market. You can of course play the market, perform day trading, but risks are there and exist. And talking about trading, I have sold 100 pieces of the majestic First Majestic Silver Corp (FR) today. The only reason behind that sell is that I plan to reinvest in a good quality Reit product and cash in some dividend juice. 

I still hold some pieces of First Majestic Silver Corp (FR). Holding in to First Majestic Silver Corp (FR) haven’t been easy. However, I hold because I like the idea of investing in a company who declared producing the purest silver ever. Its sexy and powerful. And if you know Eric Sprott, you know that silver is the investment of the decade. Not the past decade, but this very decade of the years 2010. I am closely watching the market and recently, silver make some good gain. I had quite some money invested in silver and I want this to work out. Or should I say I NEED THIS TO WORK. So Eric Sprott darling, you better be right, because if not, I am going to push it really bad on you. Would it make any difference? No, but a shitty publicity is a shitty publicity and trust me, it’s not anytime soon that I am going to give up on my portfolio.

So I was saying that I sell some FR stocks. I still believe in FR, just that I wanted my 7k in dividend income really badly. What a girl wants is what she gets. Some other stuff I hold are REALLY performing well, like AGU, CNR, CU, PPL, KBL. Its hard to believe that there’s that much money to be made in cleaning linen but yeah, K-Bro Linen Inc. (KBL) is among my top performer. I own this one to Susan Brunner. It doesn’t seem like she owns the stock, but you can be sure, I own some stocks and I LOVE IT. Their chart is spectacular and KBL is simply amazing.

Now that I have full-time employment for the next couple weeks, I have many projects on the way. Lately, I had been slow on many things I need to take care of. I need to maximize the contribution to my TFSA. I will have to verify, but I might have like a good 20k contribution room left for my TFSA. I plan to fully use my TFSA. However, the process is touchy since I have a margin on my Canadian portfolio. I already taught about transferring my Sprott Inc. (SII) investment over my TFSA, as well as DGI. But before I proceed, I need to apply in cash the amount of their respective loan amount to my non-registered account so my margin remains in the safe zone. It’s no big deal if you cannot understand what I mean. Just know that investing using margin money is risky, difficult and stupid. You need to be a complete idiot to invest on money that’s  not yours. I am totally aware of how lucky I am to benefit from my margin account but at a point, no one can predict which turn this economy will take. I could eventually lose my job for whatever reason (another small claim YEAH!). I mean, you always have to be ready for the worst, never take anything for granted. If you’ll be laid off tomorrow, would you able to survive? And if so, for how long? Do you have a backup plan? I, the Dividend Girl, I always have a backup plan and I like to ask myself the real rude questions. Being aware of your own vulnerability is the best of the protection. I am totally aware. I am just a bit off regarding a backup plan but hey, can I breathe, I just got my new job that past Friday lol.

So yeah, backup plan, but I give you the right to take it easy.

And just in case you didn’t know: TOMORROW IS FRIDAY!

I love Fridaysssssssss! No work, no stock market to play on. Freedom.