My debt on date of April 30, 2014

$70 466.39 at 4.25% (margin money coming from my broker account) = 
$2 994.82 in annual interest

$3 562.73 at low interest rate loan at 5.50% (student loan) = 

$195.95 in annual interest

TOTAL: $74 029.12

TOTAL in annual interest: $3 190.77

[In date of April 30, 2014]

My investment portfolio on date of April 30, 2014

Non registered Investments:
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.22
Blue Note Mining (BNT.H): $0
Bank of Nova Scotia (BNS): $7 326
Hanwei Energy Services (HE): $21
Methanex Corporation (MX): $6 992.67
Fortis Inc. (FTS): $3 509.80
Pembina Pipeline Corporation (PPL): $19 898.34
Just Energy Group Inc. (JE): $7 046.39
Pengrowth Energy Corporation (PGF): $1 637.60
Enbridge Income Fund Holdings Inc. (ENF): $9 004.32
Corby Distilleries Limited (CDL.A): $2 515.05
Davis + Henderson Corporation (DH): $6 855.84
Premium Brands Holdings Corporation (PBH): $9 369.45
EnCana Corporation (ECA): $5 281.12
iShares S&P/TSX Capped REIT Index (XRE): $2 502.50
Horizons Gold Yield Fund (HGY): $1 337.22
Canfor Pulp Products Inc. (CFX): $1 315.44
New Flyer Industries Inc. (NFI): $1 254.96
Exchange Income Corporation (EIF): $4 048.26
Colabor Group Inc. (GCL): $354.96
TMX Group Inc. (X): $461.92
K-Bro Linen Inc. (KBL): $4 000
Westshore Terminals Invest Corp (WTE): $7 266.48
WesternOne Inc. (WEQ): $2 850
First Majestic Silver Corp (FR): $1 040
Kinross Gold Corp (K): $671.95
TransCanada Corp (TRP): $1 277
Canadian National Railway Co (CNR): $5 778
Firm Capital Mortgage Investment Corporation (FC): $483.20
Enbridge Inc. (ENB): $1 480.92
Agrium Inc. (AGU): $2 737.02
Canadian Utilities Limited (CU): $1 700.58
Crescent Point Energy Corp (CPG): $980.98
JFT Strategies Fund (JFS.UN): $2 472
Geovencap Inc. (GOV.H): $0
Heroux-Devtek Inc. (HRX): 
Black Diamond Group Ltd (BDI): $861.50
Emera Inc. (EMA): $847.50
Cineplex Inc. (CGX): $1 032.75
Barrick Gold Corp (ABX): $765.20
BCE Inc. (BCE): $1 073.60
Stella Jones Inc. (SJ): $599.20
Shoppers Drug Mart Corp (SC): 
Saputo Inc. (SAP): $1 172.20
Toronto-Dominion Bank (TD): $1 054.60
Canada Bread Company Ltd (CBY): 2 528.40
Lassonde Inc. (LAS.A): $1 045.10
Loblaw Companies (L): 571.80
Lumenpulse Inc. (LMP): $950

TOTAL: $135 973.04

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 204.19
Cash: $4.12

TOTAL: $1 208.31

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $33.30
Dumont Nickel Inc. (DNI): $100.63
Sprott Physical Silver Trust UTS (PHS.U): $1 705.48
Sprott Strategic Fixed Income Fund (SFI.UN): $364
Healthlease Properties Real Estate Investment Trust (HLP.UN): 
$1 012
RioCan Real Estate Investment Trust (REI.UN): $953.05
Precious Metals and Mining Trust (MMP.UN): $486
Sprott Inc. (SII): $3 357.25
Chorus Aviation Inc. (CHR.B): $538.20
Data Group Inc. (DGI): $544.44
AltaGas Ltd (ALA): $1 401
CT Real Estate Investment Trust (CRT.UN): $1 140

Cash: $73.63

TOTAL: $11 708.98

RSP investment portfolio:
Sprott Canadian Equity Fund: $3 303.88
iShares Gold Bullion Fund (CGL): $3 873.48
Emera Incorporated (EMA): $7 864.80
EnCana Corporation (ECA): $2 691.34
Sprott Physical Silver Trust UTS (PHS.U): $568.49
Toronto-Dominion Bank (TD): $1 581.90
Barrick Gold Corp (ABX): $956.50
Stella Jones Inc. (SJ): $2 996
Telus Corp (T): $1 931
Tim Hortons (THI): $601.20

Cash: $257.32 

CIBC Dividend Growth Fund: $710.12
CIBC Emerging Markets Index Fund: $314.28
CIBC Monthly Income Fund: $1 258.61

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

GIC National Bank: $1 277.70
Manulife Fidelity NorthStar GIF CAP B: $957.19
Manulife Simplicity Growth Portfolio: $1 083.03
Maritime Life CI Harbour Seg Fund: $1243.85
Maritime Life Fidelity True North Seg Fund: $1 330.66
Manulife GIF MLIA B World Invest: $891.86

Great-West – various: $2 378.61

Various other mutual funds: $1 333.07

TOTAL: $40 484.25

Social Capital at Desjardins Membership share: $40 Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income ($50):

$189 464.58

At TD Waterhouse, Lumenpulse Inc. (LMP) has a margin value. Yeah!

Its been a quiet weekend, including a lot of cleaning going on in my tiny apartment. I am almost done with my Spring cleaning. And I got my hair cut. The weather is not super fun in Montreal, I still have to wear a good jacket. Yesterday, it was very cold and raining, so I just jump in my cleaning tasks, putting away most of my winter clothes away and cleaning my wardrobe, among other things.

Following my freshly made investment of last week in Lumenpulse Inc. (LMP), I had been noticing that TD Waterhouse had giving a good margin value to Lumenpulse Inc. (LMP). I think it might be a 70% value or something like it. And this is a really good sign. When JFS.UN started training, it didn't get a margin value right away, it took a little while to get something valuable in term of margin. I am happy that Lumpenpulse Inc. (LMP) had a margin because I would like to have at least 10k of margin value left. I am at something like close to 8k right now. With the month of May hitting in soon, I probably use all of my money left from paycheck to go on my margin. Eventually, a margin of 15k would be perfect. And having those goals in mind make it difficult to just invest inside my TFSA.

Other than margin management, I had subscribed to my employer RRSP plan. I am contributing just a tiny 1.5% of my salary and in exchange, my employer is giving a 1.5% of my salary. I am getting a free $690 by doing so. Even if I am not a RRSP believer, I decided it was time to subscribe and I will benefit from it at long I will stay on this current job. The RRSP plan is not super generous but I guess its better than having at all and anyway, soon before you'll know it, I will be ranking on the $300 000 portfolio and be super rich.  

Lumenpulse Inc. (LMP) is suppose to be THE STOCK that will make be rich - we'll see how it turn. In the meantime I don't have an interest for any other stocks at the present time. Maybe JFS.UN units for my TFSA one of those days.

And this will be all for tonight, have a good week. Tomorrow is Monday. Just don't think about it and it will be ok.

Welcome in my non-registered portfolio Lumenpulse Inc. (LMP)

I stopped my decision and decided to invest in Lumenpulse Inc. (LMP). I got a few shares at $19.57. The remaining money went to pay down my margin.

I kept thinking about placing this investment so I decide to go for it.

Crescent Point Energy Corp. (CPG) is on a halt trade

There's a new Trailer Park Boys movie that is currently playing and I couldn't help it, I need to see it! It was a fun stress releaser. I just adore The Trailer Park Boys. So hilarious! :)

I am busy at work these days and my mind is not straight up on what should I do with that 2k in cash that I have available. Is Lumenpulse inc. (LMP) is a safe bet? Should I simply use the money to pay down my margin debt? Pay down my student loan? Or invest? Its not that easy to make the move for several reasons. Strange work situation and too many choices!!!

I was surprised to see my non-registered portfolio down to 132k and a few dollars... but its all because Crescent Point Energy Corp. (CPG) is on a halt trade. 

What to do with a $2 000?

I went to New Brunswick for a few days, I just came back yesterday. I will try to post some pictures later on. Before going, I went for my taxes and it went find, with only $500 extra pay in tax money - not too bad. Again, I pop up the 50k income for this year if I remember.

I didn't update my dividend income for April yet but it make a good $527.40 so far. With that money, I currently have at my disposal $2 000 and I keep thinking about what to do with the money. I have that $3 600 student debt that I was looking to pay back until.... I find out about Lumenpulse Inc. (LMP). I was thinking to invest a 1k in LMP inside my TFSA. But with only $3 600 in student debt, I could pay it down veryyyy quickly.

However, investing in Lumenpulse Inc. (LMP) is very tempting because I am very sure that this stock will just grow and grow and grow...

So I have that new idea, to leave a 1k in my bank account and just invest 1k in LMP.

One problem being that I prefer to invest and leaving money in the bank because some serious shit is happening at work, its unbelievable. We had once received an email previously this year saying that we were going to get a raise for April. Great, but a girl that been there for 5 years had been refused the raise for no specific reasons. I was quite shocked to learn the news because I don't know if I told you but I got a raise of more than 6k at work. The girl could had get a 1,5-2% raise I guess but nothing had been provide to her, even if we had received an email from the President saying that we were all going to have a raise. Why would the president write that kind of email to all employees if not all employees were not giving a raise? Soo cruel!

I find it a complete stupid act of cruelty and extreme arrogance. The girl is leaving at the end of the month, I guess she had find something else. Some other rude stuff like that had been going on for a while and its really sad. One day, the people responsible will have to pay of those cruel acts.

Stuff like this make me wanna leave just like her as fast as I can.

You have said shitty job in Montreal? Oh fuck yes.

The Father of the TFSA died today. RIP Jim Flaherty and thank you for the tax free dividend cash

We all knew the man was sicked - I even suspected him to be alcoholic when he was alive. Just a few weeks after he retired, Jim Flaherty died at home from a heart attack. It would had been great to watch his career in the private sector, but unfortunately, the father of the TFSA is no longer with us. Its been said that  he had children. My mom and dad are about the same age, and I wouldn't like to lose them so soon in life.

I had been quite busy since last week as I am trying to put more efforts on my freelancing activities. Its going on well and I could make 1k - $1 500 just my working part-time. Once job I had 2 years ago was suddenly cut off, but it started over again lately. Its rough to get back in the routine because a lot had changed. I have one project completed... so I slowly moving on. 

Even if I got a raised of more than $6 000 at work (yeah, yeah, you are reading correctly), I prefer to have something on the side because I don't trust my employer. See, my student loan will soon be paid off. After that, only my margin account will remain. I have a margin debt of $70 000. If I can save $30 000 a year or about, my margin could be paid in less than 3 years... And that's possible now because of my current raised and self-employed work. When figuring that out, I was quite impress. I could actually save enough to retire by 40. Maybe. And if now, I will have my dividend and self-employed to make my living.

You could imagined that I have a super job because I got a raised, but co-workers can be very fresh, just like the superiors. They are Quebeckers, so I barely talked to them, the strict minimum, a little talk, just what is needed. Its not a pleasure to be living in Quebec province, especially now that the Liberal Party had been elected. I don't know what the hell Quebeckers were thinking, but gees, this is getting grotesque. Just watch Quebec province flying sky high into debt. This is just another proof of how stupid the Quebec mass is. Some had forget that Liberal are all about bullshit. Short term memory, I guess. I mean really, everything I write about Quebec is true and of a very honest opinion. I am giving the view of an insider who's heart is outside Quebec and belong somewhere else. I cannot stand the level of selfishness. I cannot stand their lies.

Quebec can be what it is, sometimes, good thing pop up from the shit. Like Jean-François Tardif, for example. Celine Dion, if you like her. But here, at The Dividend Girl blog, we are about money. And I have find what could be my next pot of gold. And the pot of gold is right here in Montreal! In shit town. Exciting, ohhh yeah! 

The extraordinary thing is name: Lumenpulse Inc. Its an extreme interesting company - I will let you do your search. Once of its competitor in the US, Philips, currently trade at $35 per share. The thing is that Lumenpulse is about to pop up from the initial public offering on April 15. Unfortunately the IPO is not available at TD Waterhouse. Lumenpulse is starting at $16. I think this company had good chances to grow in its sector. The CEO is super interesting, kind of the like of Jean-François Tardif, very smart, could afford retiring because he's already millionaire, but won't because he want to see his business grow. And why seeking for retirement when you can be the king of the world? At least, Jean-François Tardif is MY king. But I guess you all knew that from now, unless you are not really reading or are blind from an eye, left or right.

Goodbye, little Shopper Drug Mart (SC) shares...

Today, most of my Shopper Drug Mart had been sale and I also received a few Loblaws shares. In result, my non-registered portfolio is at $133 897.78. My margin usage is down to $70 937 and I have a margin left-over of $6 896.44.

Shoppers Drug Mart Corp. (SC) no longer trade on the TSX

This is getting exciting! Its official, Shoppers Drug Mart Corp. (SC) no longer trade on the stock market. My SC shares are frozen, and I cannot wait to received the maximum cash possible. Now that SC shares are frozen in ice, its just a matter of a few days before I get my $$$.

My non-registered portfolio is at a great $136 408.12 value right now. Once my SC shares will be sale off, my portfolio value will be lower, unfortunately. If I am lucky enough I could used a 2k of the sale to pay off my student loan but it will depend of my margin.

Wanna make money on the stock market? JFT Strategies Fund (JFS.UN) is a good option

Good dividend earnings in March with more than $500 in earnings. My non-registered portfolio close today session at $135 958, which is quite good. Lately, stocks like Black Diamond Group Ltd (BDI), Stella Jones Inc. (SJ) and Pembina Pipeline Corporation (PPL), among other. Even my Just Energy is going up up up so things are pretty hot. And Enbridge Inc. (ENB) is what we could consider a hot stock right now according to Rob Carrick. But before Rob Carrick, someone else taught about Enbridge Inc. (ENB) as good investment: Derek Foster! :) Smart investors who had followed Derek Foster from the start are really rich now.

With my upcoming paycheck, I will have 2k at my disposal. My tax declaration cost me $70 to be done. After what I probably going to have to pay max 1k extra in taxes. I would be surprise if it will be more. I have a 1k at my disposal. But to do what? I already have a good collection of stocks, I hold the best (yes!) :including JFT Strategies Fund (JFS.UN) of the love Jean-François Tardif. I check on the man - only on Google unfortunately - once in a while and in my latest search, the latest news about Tardif was a BNN interview, back in December 2013 I think. And at that time, he was saying that the US was the place to be - no matter if the market goes up or down. Well done, because nothing seem to beat the US. 

JFT Strategies Fund (JFS.UN) started with a slow grow, but I think the fund had proven now to be quite stable in value and grow, which is quite something. Other funds like the Sprott Canadian Equity Fund are only  good to make you lose money.

Derek Foster is almost 100% invested in the US market, smart guy, I could picks from his US picks and tadam, no problem, hello nice and easy cashhhhhhhh, marvelous cash. With only 1k, the dividend income wouldn't be much in the immediate so I have a better plan.

The balance of my student loan is of $3 634.25 and the monthly payment is of $98. I am much more interested in paying down my student loan to finally get rid of that monthly payment. I had paid off my credit lines, credit cards... I currently have no monthly payments to make if not my student loan and rent. Its getting interesting to pay off my student loan for that reason. After what, I could easily live on $1 200 per month, and I could push it down to the $920 per month. That could become true in 2 months from now (June)... So why not? Its the main reason why I am so interested in paying off my student loan now.