On why 2014 will be the most frugal year of all!

I start 2014 in a good positive way ever: I was offered a 0% interest credit card transfer at CIBC Visa (but a one time 1% fee applied). I took advantage of the offer to pay off my $2 500 MasterCard balance. I overspend during the months of November and December, I also bought my first 32’ TV (yeah!) and a gadget antenna that give me like 5 great channels. And I also spend on several other things. But the spending time is now over because I had come with this great plan for 2014!

The beginning of a New Year is always a fun time to get a look into asset and debt. And this is how I learn that I had a net worth of over 100k, even while holding 77k in debt. That was the WOW factor on how beautifully end the year 2013 lol. It wasn’t expected at all because I found 2013 an exhausted trading year. A lot of international problems came destroying my little quiet and intimate time with the stock market. At a point, it was a big F to the Euro zone. For a retail investor, to deal with all of those things by our own, I mean, it can easily be over distracting. But no matter what, the 100k asset net worth had been exceeded to be a 106k. I was curious to find out how much was going to be my upcoming dividend income for 2014, and the magic number is now $6 851.17$, excluding the dividend coming from my RRSP.

That’s all nice, but now time had come to pay off some debt. And I plan to seriously do so in 2014, for several reasons. One reason being that I hit on the 100k net worth thing that I didn't see coming, and also, I want to decrease the amount of money I need every months to cover my minimum expenses – and that amount include money that goes on to pay down some debt. This plan will only work if I go through a full-time employment year. 

First of all, very good news, I will have enough money by Friday to completely pay off my balance of $2 355.19 at American Express. It will be clear in a couple of days by mixing up dividend income and cold cash coming from the previous pay check and the upcoming one. Just like that. BANG!

American Express debt: to be paid next Friday

The other priority on my list is my now CIBC Visa at $2 539.75 at 0% for 6 months, which will lead me to about May 2014.

If I only paid off debt without investing anything, I won’t last long. Really soon I hope, maybe by the end of February, some of my Shoppers Drug Mart (SC) shares will get sell for $61.54. I plan to invest at least 1k in LAS.A and leave the remaining on the margin account when I finally get my hands on the money.

Beginning February, I will do a contribution in kind for my TFSA. I have a contribution room of more than $20 000 for my TFSA. So this year, even while my main focus remain debt repayment, I will do my best to also invest inside my TFSA or get some existing non-registered stuff transfer over as a contribution in kind. For now, the list of stocks I want to transfer over my TFSA is: FC, RSI, CFX and SJ. Those stocks currently represent a loan value of $922.39. I will have to add that amount over in cash before proceeding with the transfer. One part of my 2 monthly pay check will be enough to proceed. That’s the story for February 2014.

Beginning March, I plan to make the payment of around $1 500 on my CIBC Visa by including the money of my February dividend and pay. This will leave just a bit more than 1k balance left on the card.

For April, I plan to visit my family in New Brunswick for Easter. With the bus ticket, I plan a $350 expense, not a penny more. April is the time of tax declaration. I guess I will have to pay up an extra 1k in taxes. So no investment and no debt payment plan for April.

Beginning May will be my very last payment in on my CIBC Visa debt – which should be around $900.

So you all know already what’s going to happen until May 2014. Not very exciting stuff, but you may still read on my blog because we never know what could happen in term of investment. And if I get a second job, I could have more money to do stuff. Earning an extra $200 per week could make a huge difference in my finance.

Following the month of May, we’ll have 7 months of 2014 left. That period of time represent an extra $10 612 to play with. So here’s the plan for those 7 extra months:

$1 500 will go on my vacation in New Brunswick (for the summer, October and December)

$300 for Christmas gifts

$1 000 will go on one of my banking account to save the monthly fee

Another $1 000 will go on my second bank account to save on the monthly fee

$4 900 will go to pay of my credit line at 4%

And the rest of the money ($1 912) will go on my margin or for a new investment in my TFSA.

Following what, my minimum monthly budget could be as low as $1 100.

As you can see, I haven’t planned much money to be spent on clothes in 2014 because I find that I have pretty much everything I need. I haven’t planned much on entertainment either because writing this blog should be enough of an entertainment. And not to forget that I now have a TV with almost cable, and also Internet. It will be interesting to see how it goes and if I can stick to this plan. I could pay off about $11 706.94 of debt in 2014 – and if not more. Following what, I could have about $64 774.69 left in debt – certainly better than the 77k I am on now. If I am just very lucky, I could finish the year 2014 with a net worth of MAYBE $150 000 but that’s only speculation...

The plan is pretty much all set up, it will be a very FRUGAL and happy year trying to lower my living expenses. Wish me good luck, I will need some!

My investment portfolio on date of January 1, 2014

Non registered Investments:

Stocks and Units investment portfolio $CAN 
Timminco (TIMNF): $0.43

Blue Note Mining (BNT.H): $2

Bank of Nova Scotia (BNS): $ 7307.30
Hanwei Energy Services (HE): $21
Methanex Corporation (MX): $6 451.92
Fortis Inc. (FTS): $3 316.87
Pembina Pipeline Corporation (PPL): $17 278.80
Just Energy Group Inc. (JE): $6 148.40
Pengrowth Energy Corporation (PGF): $1 508.80
Enbridge Income Fund Holdings Inc. (ENF): $7 959.90
Corby Distilleries Limited (CDL.A): $2 331.05
Davis + Henderson Corporation (DH): $6 410.88
Premium Brands Holdings Corporation (PBH): $10 033.95
EnCana Corporation (ECA): $3 983.20
iShares S&P/TSX Capped REIT Index (XRE): $2 362.36

Horizons Gold Yield Fund (HGY): $1 273.05
Canfor Pulp Products Inc. (CFX): $1 107
New Flyer Industries Inc. (NFI): $2 194.40

Exchange Income Corporation (EIF): $7 186.80
Rogers Sugar Inc. (RSI): $509.20
Student Transportation (STB): $658
Colabor Group Inc. (GCL): $478.38

TMX Group Inc. (X): $408
K-Bro Linen Inc. (KBL): $3 950
Westshore Terminals Invest Corp (WTE): $7 058.40
WesternOne Inc. (WEQ): $2 869
First Majestic Silver Corp (FR): $1 042
Kinross Gold Corp (K): $700.64
TransCanada Corp (TRP): $1 212
Canadian National Railway Co (CNR): $5 448.60
Firm Capital Mortgage Investment Corporation (FC): $482
Enbridge Inc. (ENB): $1 298.36
Agrium Inc. (AGU): $2 525.90
Canadian Utilities Limited (CU): $1 496.46
Veresen Inc. (VSN): $939.84
Crescent Point Energy Corp (CPG): $906.84

JFT Strategies Fund (JFS.UN): $2 320
Geovencap Inc. (GOV.H): $0.40

Bombardier Inc. (BBD.B): $599.30

Heroux-Devtek Inc. (HRX): $610.50

Black Diamond Group Ltd (BDI): $750

Emera Inc. (EMA): $762.50

Cineplex Inc. (CGX): $1 101.25  

Barrick Gold Corp (ABX): $748.40

BCE Inc. (BCE): $1 012

Stella Jones Inc. (SJ): $545

Shoppers Drug Mart Corp (SC): $2 907.50

Saputo Inc. (SAP): $967.60

Canada Bread Company Ltd (CBY): $2 397.50

TOTAL: $133 583.68

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 163.37
Cash: $4.12

TOTAL: $1 167.49

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $29.91
Dumont Nickel Inc. (DNI): $86.25
Sprott Physical Silver Trust UTS (PHS.U): $1 607.63
Sprott Strategic Fixed Income Fund (SFI.UN): $355

Healthlease Properties Real Estate Investment Trust (HLP.UN): $976

Keg Royalties Income Fund (KEG.UN): $815.50

RioCan Real Estate Investment Trust (REI.UN): $865.95

Precious Metals and Mining Trust (MMP.UN): $378

Sprott Inc. (SII): $2 623.82

Chorus Aviation Inc. (CHR.B): $627.12

Data Group Inc. (DGI): $324.57

AltaGas Ltd (ALA): $1 223.10

CT Real Estate Investment Trust (CRT.UN): $1 090

Cash: $5

TOTAL: $11 007.80

RSP investment portfolio:
Sprott Canadian Equity Fund: $2 955.61
iShares Gold Bullion Fund (CGL): $3 606.46
EnCana Corporation (ECA): $2 029.90
Emera Incorporated (EMA): $7 015
Sprott Physical Silver Trust UTS (PHS.U): $535.88

Toronto-Dominion Bank (TD): $1 501.35

Barrick Gold Corp (ABX): $935.50

Stella Jones Inc. (SJ): $2 725

Telus Corp (T): $1 828

Tim Hortons (THI): $619.80
Cash: $157.57

CIBC Dividend Growth Fund: $662.54
CIBC Emerging Markets Index Fund: $315.84
CIBC Monthly Income Fund: $1 182.31

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

GIC National Bank: $1 273.68
GIC Plus TD: $500

Manulife Fidelity NorthStar GIF CAP B: $1 100.26
Manulife Simplicity Growth Portfolio: $1 046.73
Maritime Life CI Harbour Seg Fund: $1 197.03
Maritime Life Fidelity True North Seg Fund: $1 267.28
Manulife GIF MLIA B World Invest: $845.32

Great-West – various: $2 189.08 $
Various other mutual funds: $1 206.17

TOTAL: $37 775.67

Social Capital at Desjardins Membership share: $40 

Savings + Stocks, units, mutual funds + Tax- 
free Savings account + RRSP + Online Income
($51):

$183 534.64

Ok so this is my plan to get the sexy me on my first $150 000 net worth. Daddy, show me the money

I was off yesterday for the New Year so I updated my portfolio value and debt situation. Before that, my latest update was way back in October. I was quite surprise with the data. First of all, my portfolio hit on the $183 000. With a $77 000 in debt, I had closed the year 2013 with a net worth exceeding the $106 000.

SURPRISE! 

It was my secret wish to finish the year with a 100k net worth, but I never taught it would had been possible for 2013. I taught I was going to make it close, but certainly not exceeding it by $6 000. Why? Well, because of the market volatility. too many ups and downs in 2013. It make me wanna throw up just by thinking about it. However, I am now at my second $50 000. No more first, but second ONLY. And on the road for a third.

There's a lot to celebrate! Also in December 2013, we hit on the 700 000 page views on my Dividend Girl Blog. We are actually now exceeding the 710 000 page views. You kind of like it over here, don't you? 

I am currently putting a sell order on my Heroux-Devtek Inc. (HRX) shares. Why? Well I had been holding HRX in my portfolio since the time they had paid that big special dividend. And now that HRX no longer pay dividend, it could be a good time for me to say good-bye to my shares. I am looking forward to sell at $11.41.

I am also looking forward to partly sell my investment in New Flyer Industries Inc. (NFI). I had put an order to sell some NFI shares at $11.75.

Another stock that I begin to have enough in my portfolio is Veresen Inc. (VSN) - I would like to completely sell off my shares, but for that, I will need to be patient.

And I am also very tempt to sell of some of my Exchange Income Fund (EIF) shares.

Those are the changes I am looking forward to make.

A 100k net worth is not that much money but its more I could imagine to have at 33. I had fix a 50k goal, that was pretty much all I wanted, but hey, after a $50 000, why not hitting on the rock to get a $100 000. Why not. Now that the impossible had happen, I am just looking forward to make things for the best.

Next big thing would be for me to pay off some debt and that part is really not easy. Its not easy because I have all of those investment projects. It happen sometime that I run around like a dog running at its tail - no investment idea seem to come, nothing catch my attention. What do catch my attention is special dividend. I am currently stuck with a stock name CBY because its promise to deliver a $8 per dividend to mommy was JUST extraordinary TOO tempting!!!! But now, CBY trade lower than the $77 I pay per share so I am stuck. The same thing happen to me with HRX. I don't mind holding CBY in my portfolio. I think its a blue chips, I didn't know that stock before so yeah, why not?

I am at a point where I have everything I want and ever much more so this is the perfect time to take care of a problem I had been carrying on for a little while; my debt. I hold a $2 355.19 at American Express that 0.99% that is going to expire in a couple months. And just recently, I got enroll in a $2 539.75 at CIBC Visa at 0% for 6 months. Great, but those are promotional offers and sooner or later, they will expire. Knowing myself, I prefer to set up a plan now on how I am going to pay off $4 894.94 by May and April 2014. If I want to clear it off by the end of May, I will need $978.99 per month for the upcoming 5 months. That make quite a bit of money! So I really need to plan what EXACTLY what I am going to do with my money for the next 5 months. 

For the first time in several years, I am going to save some bucks in my banking account! I hold two banking account that cost me $2.95 each month. Why 2? Well, because its the way it is! I am a girl, and I want 2 bank accounts. I have automatic transfer set up in each of the account and I prefer to leave things the way they are. I only need to save $2 000, $1 000 per bank account in other to pay no fee, so at least for next one and half month, the money will stay in my bank account and no more banking fees!

Another things I want to pay off until May is my $4 900 line of credit. By May, I should have a bit of cash floating and I will be able to make some transfers and pay off my 2 credit cards.

Basically, that's the plan. I already have a $511 save that is for now in my bank account and I should get another 1k available by the time of my next paycheck... See, do you understand now why I need to get a second job? 

After getting ahead on my 100k net worth, I would like to pay off some debt so I can minimize my monthly budget to a tiny 1k or even less. If could do so, it wouldn't be that much of a ride to hit on a 12k annual dividend income. See what I am running for?

Tomorrow is Friday and I cannot wait. its terribly cold here in Montreal. I need another bottle of Kim Crawford wine I drink at the New Year Eve.

My debt situation on date of January 1, 2014

$2 355.19 for 6 months at 0.99% (credit card) = $23.32 in interest. Expired: April 2014 

$2 539.75 for 6 months at 0% (credit card) = $0

$67 185.17 at 4.25% (margin money coming from my broker account): = 
$2 855.37 in annual interest

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

$5 381.54 at low interest rate loan at 5.50% (student loan) = $295.98 in annual interest

TOTAL: $82 361.65

TOTAL in annual interest: $3 370.67

[In date of January 1, 2014]

*For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

Goodbye 2013, Hello 2014!

Life has its own little ways to tell me over and over again just how amazing I am... lol.... euhhh YEAH! :)

My credit card is ranking over the 2k at this time. I bought a "32 TV, a new lamp because my old one broke, a TV Antenna so I won't bother to get on cable, Christmas gifts, Christmas gifts for me, Montreal-New Brunswick bus tickets, clothes, makeup, winter coat, boots... My boots were taking water and I one day went to work with wet feet, it wasn't funny. But now I have new boots. And I have new clothes. And makeup. And I have a TV now. And I never spent that much of my entire life! 

So yesterday, I was checking on my bills and new ways on how I was going to pay off that $2 500 current balance on my credit card. As I normally do at least one per month, I went in all my credit card accounts to check if everything was ok and than, I saw it: CIBC Visa was offering me a 0% interest rate for 6 months, but a one time fee of 1% applied. I was totally shocked. Just when I was quite shocking on my budget and trying to figure out how to pay this off, in an instant, the problem was resolved. I proceed with a credit card balance transfer over CIBC Visa and my credit card balance problem was resolved. AMAZING!

Be assure that I don't plan to spend much more and my next time in New Brunswick probably going to be only in Easter. So I have plenty of time to catch up on savings and get a second job or something like it.

So currently, my only debts are my margin account ($62 410.89 at 4.25%), my American Express which going to expire in April 2014 ($2 355.10 at 0.99%), my student loan (probably something like $5 500), another credit line at something like 4% (balance of 5k), and my newest $2 539.75 at 0% for 6 months at CIBC Visa. 

Thank you CIBC Visa you had made of the Dividend Girl a very lucky magnetic BITCH.

I have a lot of debt, but its now lower than it used to be and I promise to be a very good girl. My NEW YEAR RESOLUTION is to stop purchasing stock using the benefit of my margin account.

... This is going to be hell HARD.

Also, another New Year Resolution is to pay off my credit card debt. I have great low interest rate for now on my American Express and CIBC Visa, but those won't last forever, we know that. So its a $4 894.85 that I am looking forward to pay off as soon as possible. I have until May-April 2014 to do so, but in the meantime, the money will go as a deposit on my 5k credit line that I hold somewhere. That way, I am sure the money will go the right place. 

Today was the last trading day of 2013 and my non-registered portfolio closed at $133 809.40, +16.10%. Very great results for 2013, I am very please.

For 2014, a few things I want to work on:

-Get a second job.

-Pay off some debt.

-Maximize my TFSA.

-Stop buying stocks using my margin account.

I am currently drinking a very great white wine, its a Kim Crawford Sauvignon Blanc, Marlborough, 2013 and I already drink almost half the bottle. Veryyyy good tasty sexy wine. LOVE it.

Have a good New Year Ever. Since its so cold outside, I am drinking in my bed. Have a nice one.

The Movie Disaster of 2013: The Wolf of Wall Street

The holidays are always a busy time, but this year, Christmas time was a bit too much of rock and roll. First of all, it was snowing, snowing and snowing and it make it quite scary to take the bus for a long trip road to New Brunswick. I went anyway, got stuck in a transfer for 2 hours and I also had a 2 hours wait on my way back... Exhausting. On my way  back, I arrived back in the night pass 2 and I was working the next morning. I went to work without smoking or sniffing anything and even without taking Gravol magical pills and I also did some Boxing Day shopping after work because back home in New Brunswick, there was no Boxing Day, all stores were all CLOSED on the 26th! Can you imagine?

So even after spending the night transferring bus to another and roading, roading, roading, after work, I finally went to my Boxing Day shopping!!! YEAH! It was fun, but as I walked my way back home painfully, I was completely exhausted and I wake up in the middle of the night with a huge fever and it was scary because I didn't want to go to a f Quebec hospital. HELL. But I woke up late the next Saturday in the afternoon pass 3 pm fresh as the princess that I am and the fever was gone. I went for more Boxing Day shopping again and once the stores were all closed, I went to see The Wolf of Wall Street. WHAT A MISTAKE! $12.99 right in the crashhh cannnn! GARBAGE MOVIE!

At the early beginning of the film, Matthew McConaughey, who played a senior stock broker, reveal something quite unspectacular to those who know: investing in stocks is addictive and that is what make it so easy for brokers to make money from poor addicted souls. I had been investing in stock since 2008 and since that time I had made money, lose money, cash in some dividend, enroll in DRIPs, bought stocks, sell stocks over and over again. And I am truly addicted. I - better than nobody else - truly understand the nature of being addicted the stock market.

Other than that unspectacular revelation, The Wolf of Wall Street was a BIG deception to me.

Once out of the cinema, my head was full of coarse language, naked men, naked women, penis, hookers, hookers, hookers and more hookers, drugs, cocaine, crack... Oh, and Leonardo DiCaprio bouncy fancy naked little rich ass, money, money, and MORE money, fancy cars..... I mean, the mix of vulgarity was too intense to make any sense of the chaos. DECEPTION. DECEPTION. DECEPTION.

One of the reason why the movie is doing so great right now at the Box office is well, Matthew and Leo presence in the movie certainly help, but I think our society was a natural wanted taste for hookers, money and drugs. And characters like Jordan Belfort are being acclaimed not without any reason - its the work of Satan himself.

And that is what the life of Jordan Belfort is all about, the life of deception and misery. That guy who want to appear as a genius who can sell anything including a simple pen is only a freak, a sex and drug addict. But The Wolf of Wall Street is nothing more than a celebration of all that sickness. Belfort is being described as a generous man, extra loyal to his friends. And I mean when you get to know the story, when you get to know all the stock manipulation the man had been involved in, I mean, the 22 months he spent in a paradise jail is a joke when you can understand his financial crimes and everything that is involved. Its a miracle that he is still alive actually.

Jordan Belfort is a joke. A liar, a cheater, a miserable man. The stock market is certainly not the place who belong such individual and I just only hope he was no more right to be involved near or far of the stock market.

Playing it real and honestly paid off. It won't provide millions right away but its quite achievable to build on a nice portfolio and start a pretty pink blog.

Canada Bread Company, Limited (CBY) going DOWN

You own this blog post to the generosity of my brother who magically brought Internet with him. I had a great times home, but the snow block a few projects. Old folks are doing well, younger ones too, I had received nice gifts, everyone seem to be please with the gifts I gave. You may be reading the blog of a millionaire right now or a future one. I have a 649 that will be draw tomorrow and before leaving for New Brunswick, I had bought a Loto Max, 50 millions. So if you don't get any more posts for a couple days, you'll know why, its because the babe now a $$$ millionaire.

Ok, the following is incredible. While catching up with the financial news, I learn that Sprott Inc. is no in charge of a Koran pension fund. Wow, I wonder how this ever happen because everything related to Eric Sprott completely suck in 2013. Seem like Korean government is enough stupid to rely on Eric Sprott to manage public funds. Whatever... This deal had no effect on the value of my Sprott Inc. (SII) shares.

I could be interested in holding some Reitmans shares just like Fairfax because Reitmans is trading at a cheap price and I like some of Reitmans clothes but quality is more or less there sometimes.

Its real to bad, but my latest investment in Canada Bread Company, Limited (CBY) seriously went down and its real too bad. I had lost $225 on the investment. However, the non-registered portfolio is at $132 863. I was scared for my Exchange Income fund (EIF), but I am at a profit of $253 on that one. Jean-François Tardif now wake up and seriously kick up some @ss with his JFS.UN closing the year at 15%. It was about time!

Going back to Montreal tonight so just wait for me there.

Have a Merry Merry Christmas Investors!

I was quite please that my latest investment seem to push it to the top! Canada bread Company Ltd (CBY) closed today session at $80 per share! I had purchased my shares at $77.67. So that's a very greattt day to close the year 2013!! Youhou.

I will be away on vacation for a couple days so I am taking time to leave something behind so you won't miss too much...

My non-registered portfolio is currently at a hot $132 624.77, +$17 374.6, 15.08%. My margin is at $19 319.54 value. I am leaving a 5k on it. It should be enough until my return. My only worry-day will be this upcoming Monday, but I think 5k should be enough in those market conditions to support it all.

Complicated, you said? Live can be complicated while living it on margin.

The special dividend of CBY really worth it, even if you perform the hot BUY move on a margin like me. I don't think we'll experiment a big super drop on the value of CBY following December 30th because CBY had a high value even way before the extra special distribution of $8 per share had been announced. The stock is for me a blue chip, so nothing much to worry about. You could get stuck with it for a little while, but stocks like that always go to a way up, even after a year or 2 - like my HRX shares. Remember that one?

I place my option to get the max shares of Shoppers Drug Mart for cash and than I also select a tax option where I won't be penalize if any of my shares get turn in Loblaw shares. So that is done! It was the last little thing left on my to-do list before going to New Brunswick. I also get transfer a $90 that was lying in cash in my TFSA to my non-registered one. It will help to pay for my bus ticket.

I just received  a 1 dollar dividend from Stella-Jones Inc. (SJ).

Time for me to stop writing this post.

To all of my readers, I wish you a MERRY CHRIST'MAS and chat again later.

Easy money as ONE, TWO and THREE: WELCOME in my non-registered portfolio Canada Bread Company Ltd (CBY)!

There's a couple of things I fell for every single times and extra juicy special dividend is something I just cannot help. We had hit good before with the special dividend of HRX. Well this time, its almost as good as that one. For all stocks settle down on date of December 30th, investors will received $8 per Canada Bread Company Ltd (CBY) shares. I invested in a couple of shares at $77.67... today.

For once, I didn't invest in something at its peak value....

Being francophone is not all bad at all. La Presse had a little something wrote about Canada Bread and voilà, I didn't think much, I was in the spirit of the moment.

CBY is expensive, but I think it should go smooth even after December 30th. And I will sell later on, but no rush.

And on January 6th, bling-bling, I will get some real fresh cash, once again, one more time.

Are you going to do the same?

Derek Foster is selling an impossible dream over and over again

Derek Foster sent his readers a newsletter today. The subject being that we shouldn't rely on government CPP to backup our ass at the time of our retirement. I think the federal governments had shown multiple times that Canadian citizen cannot in any ways rely on the help of government when it comes to our well-being. Being Canada mean that we are alone in a country that is not a united country as long as Quebeckers will be in the portrait.

After selling the impossible dream of Money for Nothing and Stop Working, early retirement and other shit like that we all love, now, Derek Foster open the door to a new hot and sexy money phenomena: how to get rich on TFSA. What Derek Foster says is that if one individual contribute the maximum to a TFSA and invest in quality blue chips, well, at the time the do individual will be a senior, the do will be a millionaire.

Seem to good to be true.

Well, Pappy Gordon Pape has about the same on going say-say in his book about TFSA. Invest in a TFSA and you'll get rich.

Well you know what, I have enough.

At this point, both Derek Foster AND as always Gordon Pape are seriously pissing me off.

What is the madness all about?

I had been on the workforce for what... for 8 years now and I already have enough. I am not happy to have to live in Quebec just to be able to work. I am tired of being dominated. I am tired of Quebeckers. I have enough of my workplace and Montreal.

A lottttt of things are pissing me off right now and I am very extra close to just get the hell out and just leave everything behind. I have more than enough.

So do you seriously think that I will be able to work until I am 65 years old?

Oh F NO!

This is why I am just extremely tired of all this money dividend shit even if I am the one and only Dividend Girl on Earth ok. ENOUGH.

I have enough of the millionaire talk.

Do you seriously think that an individual in the middle class will be able to save 5k+ each and single years of working life? COME ON.

Just wait until I get pregnant by a F Quebecker and we'll see if I still have money to invest!!!

No question to be ask. Once children get in the house, when a family is involve,  there's no way I will be able to find much money to be save. Kids, life, family is all about expense, expense, expense.

It is not realistic to come over, and say ok, do this, and you'll get your millions. How can you, Derek Foster? How can you possible be selling the dream when you agree yourself to say so, that you had been lucky and you are an exception among the exception.

I would like you to be in my pants, be in the most foolish province, working with hypocrites, having to deal with  the same shit day after day after day. Where do you think I am going? I am on the million dollar road here? Nooo. Its the road of poverty, of extreme misery. Its a life with no meaning.

And the dream your selling, you haven't the right to expose it the way you do and this is why that if I see you face-to-face one day, I will be very tempt to beat you up.