My debt situation on date of December 31, 2014

$67 865.46 at 4.25% (margin money coming from my broker account) = 

$2 884.28 in annual interest

$6 008.85 at 0% (credit card at 0% for 6 months, expired in March)

TOTAL: $73 874.31

TOTAL in annual interest: $2 884.28

[In date of December 31, 2014]

Next investment for my TFSA: Royal Bank of Canada (RY)

I came back to Montreal on Sunday night after a few days in New Brunswick. The vacation was nice. I felt bad going back to Montreal, I was like real stress out and I wasn't feeling well for no obvious reasons, if not that I didn't want to go back to work. I didn't want to go back to Montreal. I arrived at 2 am and I was working the next morning so you can imagine the sexy mess. I am doing better now.

2014 had been a rough real. Canadian stock market was a shitty very bad girl. My portfolio is doing better now. My non-registered portfolio closed today at $138 637.62, with a margin value left of more than 15k Wouuuuuhou. 

I rank up to $1 600.25 on my credit card, but I already have the cash needed to pay it off. I even have money left to also pay my rent. And after that, without even considering the next paycheck, I still have left $803. I bought a bottle of sherry AND brandy for the New Year Eve. Its doing to be quiet a bit like last year and its better this way for my budget after my episode of over-spending during Christmas season.

With this upcoming paycheck, I am going to have close to 2k available to invest and I was thinking about Royal Bank of Canada (RY). Later on, I would like to invest maybe in Alimentation Couche-Tard Inc. (ATD.B).

Hard Time for investors just before Christmas

One thing thing is sure, 2014 haven't been an easy year for investor. Lately, my non-registered portfolio hit as low as the 128k mark. On its highest ever, I hike almost 145k, also in 2014... That's very concrete volatility! Now at $130 176.91, I am doing a bit better, but its still shitty. I am all Christmas ready now, I am only missing my bus ticket and the only damn thing I really need now is a rough stock market.

Its hard to get inspired to write so I am just doing to stop here.

In New Brunswick, killing people = life prison sentence. In Quebec murder and life don't mean much

In New Brunswick, when an individual commit murder, the sentence is life prison. There's no fool play, even if the individual is completely insane and out of his mind.Quebec has its tragedy with Guy Turcotte, and we in New Brunswick got ours with Justin Bourque.

In Moncton New Brunswick on June 4th, 2014, Justin Bourque, a man in his young twenties, had killed three RCMP officers and had left two others injured. Bourque was an anarchist and in many ways, I find a connection between the murderer and Amir Khadir Quebec Solidaire group. Like all of the very dumb people of Quebec Solidaire, Jules Bourque was an anarchist, thinking that our government is oppressive. Well, to that I can only say, go live in China, Japan, or Middle East, you'll see who's being really oppressive... In Canada, its possible for men and women to have a job, live in dignity. Its possible here to make savings - something that is almost impossible to do for the middle class living in Europe and other part of the world. And best of all, we have one of the most powerful stock market of the world. What else can you need? Why an individual would kill police officers in the name of liberty?

Like Guy Turcotte, Justin Bourque is mentally ill. Both are suffering from psychological disorders.

In New Brunswick, Justin Bourque got sentence life prison. In Quebec, Guy Turcotte who had killed his two children - is currently in LIBERTY while waiting for his SECOND trial. In a society - even in my dear New Brunswick - there's f up people. But problems are very major when its the whole provincial system that is all mess up. Quebec province is showing multiple signs of failure and I am only prouder to be a New Brunswicker. Because in New Brunswick, we know how to treat murderer. We don't need to give a second trial to make people understand that taking the life of other is WRONG. At least, it is being seen that way in New Brunswick.

I don't feel safe living in Quebec because I know the system doesn't work in favor of its citizen. And its for that reason that I still have my New Brunswick health card. If I would become seriously ill, I will go to New Brunswick. Quebec institutions, including hospitals, are all insane and corrupt. And that doesn't matter if in Quebec tax are higher than in the rest in Canada. It doesn't matter because Quebeckers don't care on how much corruptible their system is. Where the money of my tax goes? It goes in the pocket of a government that doesn't do is duty. It goes in the pocket of doctor who don't do their best to cover the minimum care required for the population.

If I am never sick and I am in good health condition - I have this because I am not being followed by the Quebec health system. Hospitals, doctors waiting room are not getting sufficient proper cleaning. By going there, you expose yourself to high dose of risks. Also, doctors in Quebec are tempt to make their patients goes on all kind of check up just so they can get a higher pay. They are corrupted. They are not there to look on your health.

Its really important for immigrants and outsiders to look for themselves while living in Quebec and take all precautions needed because Quebeckers are very dangerous and corruptible people. Make a lot of saving, invest in your TFSA and the sooner you'll be leaving the better it is. Because a tragedy like the one of Guy Turcotte can happen to anyone. No one can go and say mental illness won't ever affect them directly or indirectly. And in Quebec, since the system is shit, individuals are not protect. Our rights are not being respected. And its why Quebec isn't a real part of Canada and it will never be consider for me being a Canadian land. Because Quebec doesn't what it is to be Canadian. Quebec doesn't know what it mean to protect the rights of individuals. The right to health care and the right to be treat equally in front of the law. When the base of a society is not being respected, how do you expect its people to do well? We are currently assisting to the destruction of Quebec society. Institutions are falling apart, law system is not clear and straight forward. In result, it gave situations that are being post in the everyday press. Two little children being kill? Well,its too bad, but in Quebec, the system does not heavily punish that.

In time like these, its time to be even prouder for New Brunswickers to be who we are and for Canadians, its time to push for our nation and our protection. As a nation, we need to protect our democracy and way of living. And its for those reasons that I am totally in favor of any kind of global surveillance programs. The government has the right to be oppressive in a certain way to protect our own interest. If you are a normal citizen, you should mind that the government check on your bank account, trading account. Listening to my calls, checking out on my Internet activities? GO AHEAD. We should allow stuff like that to be check. Its a case of protecting our liberty to spot the bad people from the good ones. If surveillance program can help in any ways to prevent murderer and any other bad actions to happen, as Canadians, we can only be happy and in favor of such spying activities. If you are not criminals, your daily activities being monitor shouldn't be a pain in the ass. Somebody out there is watching and its absolutely AWESOME.

The countries that are currently protecting the traitors Julian Paul Assange and Edward Snowden should be severely punish. And I hope the US will capture them and sentenced them to life sentence. Because giving away confidential information to the press, to ANYONE and everyone - including terrorists is an act of murderer.

I want to say goodbye to Canfor Pulp Products Inc. (CFX)

Another catastrophic day on the Canadian stock market. The TSX lost close to 300 points. But surprise, my portfolio didn't take a hit at all - for once!!! I hope I will get the same kind of luck next time.

My non-registered portfolio closed at $135 307.47. Enbridge went up closed to 8% today. I hold both Enbridge Income Fund Holdings Inc. (ENF) and Enbridge Inc. (ENB) inside my non-registered portfolio. So that really help my portfolio to take the hit on stuff that are really hurting... like Black Diamond Group Ltd. (BDI) for example. BDI announced a really nice 27 millions that we recently got, but that didn't help. BDI title lost $3 per share today! This is hard because BDI is exactly the kind of stock that I like.

Other kind of bad news. I rank on $1 091 on my credit card... And I didn't buy my bus ticket  for home yet. I think I am done with Christmas shopping! AH NOO! HELP.

Help could come from me selling my Canfor Pulp Products Inc. (CFX). I am now only on a lost of less than $7 on the stock. CFX had been in my portfolio since 2011. Back in the "old days", CFX was paying a super big juicy dividend. The dividend had been  cut and following what, CFX value drop, but its now slowly getting back to the same value as it was back in... 2011. I have to say, I had been more than patient on that one so trust me, I deserve to sell it, even if its only to pay off my credit card.

The National Student Loans Service Centre (NSLSC) is trying to fool the Dividend Girl

Yesterday, I received a letter from the National Student Loans Service Centre (NSLSC) saying that yeah, I had paid off my student loan, BUT I could get a revision and I could need to pay more on the loan upon verification. Come on now! If the student loan is not even able to calculate up front what I own them, well you know what, they can eat whatever they want but they won't get a penny more from me. 

On an happier note, my non-registered portfolio closed today at $135 812.42 - which is good because yesterday, it closed at 132k.... Currently, Canfor Pulp Products Inc. (CFX) is doing great. I am only experiencing a lost of $28 on this one. The road had been rough and tough for CFX, a bit like NFI actually. And even like EIF. I am still having trouble with BDI - so oooo awful. I am in real down with FR. But some other stocks are making the 135k mark possible. Like PPL, CNR etc...

Jean Béliveau died today. I am not a hockey fan, but there was certainly a good aura around Jean Béliveau. When I was a little girl, I met him in my hometown in New Brunswick. He was going a celebrity tour with Zellers - signing free autographs - and I got my autograph of Jean Béliveau and I still remember it clearly today because it was very moving and Béliveau was charming and just happy to be there in my very small tiny New Brunswick town. Its quite unbelievable. There's no such fantastic star in the hockey today. The only Quebec star that I truly liked for reasons I don't really know has died.

In case you don't know this one, you can check on interactivebrokers.com and I was told by a reader that margin was something like 2.5%. Could worth it to check it out.

Welcome in my non-registered and TFSA portfolio Glentel Inc. (GLN)!

The stock market is very hard these days. Gold and silver, as well as oil are all the way down, creating a difficult climate for investing. Nothing is easy these days. In the circumstances, I guess that my portfolio is doing ok.

 

This pas Friday, I learned that BCE is going to acquired Glentel Inc. (GLN). For the acquisition, BCE ill give a mix of $26.50 per GLN share and a mix of BCE share. When I learned he news, LN was trading at $25.90 so I jumped in. I bought some Glendel Inc. (GLN) inside my TFSA - since I had over 2k in cash being to be invest in whatever I wanted. I also made a small investment inside my non-registered account.

 

The deal should go through in the first quarter of 2015 from what I understand. I guess I will be receiving a voting paper soon. And if so, I will go with the option for a maximum of cash. At the most, I will be making a bit more than $60 after commission fees with those 2 investments move. Not much. If you have some cash hidden somewhere, you may like to jump in Glentel Inc. (GLN) now because its will probably trade lower than $25.90 this upcoming Monday. You won't be able to say that I never give great investment tips on this blog!

So go get your hands on some Glentel Inc. (GLN) stocks now before its too late!

My pot of gold: Canadian National Railway Co (CNR)

Back on October 23, I invested in Canadian National Railway Co (CNR) in my TFSA. That was just a month ago. In that short amount time, CNR had increased of 10.21% in value, resulting in a nice capital gain of $312.41. And of course, I am looking forward for even more. This is how to get rich on one stock and CNR is among my favorite of all.

 

Canadian National Railway Co (CNR) is definitively a very great stock to hold, but I cannot but my "eggs" (from a female investor, that sound katchy) in the same spot.

 

Currently, I have $2 369.84 in cash inside my TFSA. I got a bit more than $900 coming from my sell of Chorus Aviation Inc. (CHR.B). With the number of stocks that I hold to in my portfolio, I do my best to track down everything but sometimes, it happen that I miss something. And currently, my unit of Healthlease Properties Real Estate Investment Trust (HLP.UN) had been sold. That used to be a stock that was suggested by Jean-François Tardif. I don't remember getting any notice for this. But anyway, Healthlease Properties Real Estate Investment Trust (HLP.UN) had been delisted from the TSX and in result, my shares got sold out. I am not upset, but its now harder to get on a good reliable company paying something decent in term of dividend. Of well, HLP.UN was good for the time it last.

 

Remember that I have a $6 136.85 on my CIBC Visa (0% for 6 months)? 6k is quite a lot of money and the idea that cam to mind was to put the money on that debt. But tomorrow is Black Friday and shopping could be on the way.

Quebec Municipal workers wrong interpretation of the "Grand Dérangement"

There are many things that I don't like while having to live in Montreal. The worst is the stupidity of Quebeckers, their . Like real clowns, some Quebec municipal workers strike today and they have name their mobilization "Grand Dérangement". However, using the wordings of "Grand Dérangement" is unappropriated on the name of every single Acadians still living today in the heritage of a very dark chapter of not only Acadian story, but also Canadian history.

 

Personally, I think those Quebeckers only have what they deserve. After all, don't be tempt ever to say that Quebeckers, generally speaking, are not very honest people. After all, what could you expect from a province who still have an active political sovereign party, Bloc Quebecois. And what to say about Pierre Karl Péladeau who remain a shareholder of Quebecor Inc. even while being an MNA. But on another note, a sad one - and I know its very mean to come with such things but it really express what I think about Quebeckers - how can Guy Turcotte who had murdered his two children and still be left free after a first trial? Why does he has to go in court again? He had killed his two children! Do you have a feeling now of Quebec nonsense?

 

Everything is link together, no matter what. The Quebec of today reflect the behavior of Quebeckers. And today, Quebeckers had steal a piece of Acadian history to defend their own benefits. The history of Acadian is complex and long, its not something can be very well presented in a few lines like that, but to make history short, in 1755, Acadian got expulsed from their land by the British. Many had dies in the process and some had been deported for as far as Louisiana. Many Acadians had moved in the North of New Brunswick, but there, they had to rebuild everything.

 

The "Grand Dérangement" happened a long time ago, but I think that even today, deep inside New Brunswickers of today, those who still live in New Brunswick and are French, still live with something remaining of that history. New Brunswick is of course of its time, but there's still a lot of poverty and if it wouldn't be of the deportation, we can easily imagine a New Brunswick that could be in better position today.

 

The terms "Grand Dérangement" shouldn't be use in Quebec municipal workers case. Once again, Quebeckers are acting like the real assholes that they truly are.

And what about selling New Flyer Industries Inc. (NFI)

These days, Pierre-Karl Péladeau has such a poor mind that he doesn't even believe in his own political party! Welcome in Quebec, planet of the rich idiots.

 

It would be nice if the TSX could closed the week at a 15 000 points. Its looking good so far. And in result my non-registered portfolio is at $137 129.99. My Exchange Income Corporation (EIF) stocks are now exceeding the $20 per unit so that's really helping. I keep looking over and over again over my non-registered portfolio. I am now thinking about selling New Flyer Industries Inc. (NFI), for no specific reason. I am also getting tired of holding more than 2k inside the JFT Strategies Fund (JFS.UN). Its just that this fund doesn't come with any dividend distribution. I am really at the point where I want to maximize everything. I have no more time to lose, especially with a 137k portfolio.

 

I think that no matter how awesome he is, Jean-François Tardif is still a Quebecker and is just imply off everything. No interviews, no naked pictures. No nothing. I think the JFT Strategies Fund (JFS.UN) that I hold in my very own portfolio is a flasher. I had been lucky, I had bought my units right from the start and I was able to make a $500 while partly selling my units. But now JFS.UN is basically going no where. I was expecting more from Tardif. Since I am not getting what I want, I am serious thinking about selling this one too.

 

I used to have several hundreds in profit with WesternOne Inc. (WEQ) and Black Diamond Group Limited (BDI), but its no longer the case and I am just praying for a recovery.

 

The only few words that came to mind are unfortunately in French and are something like finit l'@stie de niaisage.