This year, the TSX stole Christmas

Christmas is coming soon, but no matter what, the TSX is not treating its investors very kindly lately!! My non-registered portfolio closed at a terribly low $118 185.74. But no panic. Its just money.

!!!

I don't know for you, but when I see how deep low the TSX is going right now, its just wanna make me... RETURN MY CHRISTMAS GIFTS RIGHT DOWN TO THE STORE. (I am just kidding, of course). So far, I spent $140 on Christmas gifts. Once completed, I guess I will be around $240, very reasonable. I only have my bus ticket to pay for after that.

We can say that this year, the TSX stole Christmas! This is a nightmare coming to live.

I really wanted to see the year closed on a more positive note, but its seem like 2015 had been the shittiest of the shittiest of all.

And what if Donald Trump was right after all regarding his Muslims ban proposal?

Yesterday, my non-registered portfolio closed at $121 220. Today, my non-registered portfolio closed at $120 595.97. Is it going to continue going lower and lower like that or what??!! This is rough and not fun at all. At 35 years old, I was imaging myself as pretty as I am, but in much much better financial situation! Anyway, when the market drop like this, I know the drill. The best is to ignore what's going on and act like it doesn't matter. 

While we are waiting to "welcome" 25 000 Syrian refugees, our stock market is going all the way down, real Canadians are losing their jobs, Liberal party had cut our TFSA contribution to $5 500, we'll soon going to face deep red deficit from that same government... Should we really welcoming as many refugees? Canada is not strong enough financially speaking to cover such heavy costs. The mayor of Montreal Denis Coderre had hired a special adviser to co-ordinate Montreal's efforts to welcome Syrian  refugees. And to do so, Micheal Dorais, our new refugee coordinator, will earn $1800 per day! Its so scandalous, especially knowing how heavily tax are the homeowners here in Montreal. 

I would be curious to know how much it will cost us, Canadians, to welcome 25 000 Syrian refugees. But this is not a straight cost. Because it will take several years for those refugees to learn the language and find a job. And during that time, it will be our tax money that will feed those Muslims. 

There's a lot of common sense in the message that is trying to deliver Donald Trump these days. While facing the possibility of having to deal again with terrorist attacks, its just really logical to ban everyone who's Muslim from entering the country. Its of a perfect logic. Its unfortunately not possible to tell who are the good Muslims from the bad. And while facing the possibility of a "maybe" a another terrorist attack could happen, well, its the government to play its role and protect the citizens.

After all, look at what had build Muslims around the world. There's no success stories to tell. The Muslim religion itself had grow strong and stronger while facing wars. Muslims have to deal with their heritage. Its not our duty to live and pay for them.

At a time of incertitude, we need to fight for ourselves, not for Muslims that we don't know anything about. Life and the well-being of our country is to precious to take any chances, but Justin Trudeau is truly disconnected and live in a world of dreams.

What we need to remember from Guy Turcotte second trial

It took a second trial, but at the second one, Guy Turcotte received a second degree murder verdict. My wild guess is that if a third trial would had been launched, it would probably caused mental illness to Isabelle Gaston, but Guy Turcotte could had received the sentence he truly deserved: first degree murder for killing his two children. But hey, I am wondering, since Quebec justice is so unsubstantial and incompetent, I am surprise to see that things are going to stop here. Is the show really over now?

In Quebec, the justice system is as sick as the criminals who directly benefit from its lack of intelligence and integrity. While living in Quebec province, outsiders like myself are directly exposed to a reality in which its not good to live. Quebeckers are really sick people. Never put your trust in them. 

Guy Turcotte trials were the mirror of Quebec society of today: selfish, of pure arrogance and miserable. I can read all of the stupidity of Quebec society in the conduct of what had been a second long trial - one wasn't enough, it took a second one. And during that time, other causes cannot find their way to a judge. A man killed his children, and he haven't been punished. And still today, Guy Turcotte did not received the sentence he deserved. In Quebec, justice doesn't exist. Its not possible to have a good life here.

And its exactly the kind of things that define Quebec province. In many ways, I find that Denis Coderre shares a lot in common with Guy Turcotte. Not that Denis Coderre had killed anyone - at least not of what we know of - but I find Montreal mayor has the same deep arrogance as Guy Turcotte. Denis Coderre believe he's capable of everything, and so did Guy Turcotte. He had the power, and used it to defend his own interests.

Education, health and justice system - they're a bunch of stuff that is not doing ok in Quebec. A poorer province like New Brunswick is much more efficient. In New Brunswick, it doesn't take days at the hospital to see a doctor. In New Brunswick, we don't let our children go in schools who are rotten to the core. Fact is, Quebec arrogance had build many disparities over the year and with these disparities come the incapacity of dealing with their own richness.

I thank God everyday for making me a New Brunswicker.

AMEN.

Can the TSX stock market hit on back the 14 000 points by the end of the trading year?

For one day - yesterday - we were back in business! The TSX gains almost 200 point yesterday. Its feeling good, and in result, my non-registered portfolio closed the session at $127 074.61. I am secretly dreaming that the TSX will closed this super shitty trading year on the 14 000 points. But am I dreaming too much?

**If you dislike my writing about personal finance, always feel free to click right on here to try something new**

Oil sectors had left many unemployed. Its truly heartbreaking to read testimonies of Alberta workers who are having a real hard time. The value of houses had decreased in area of Fort McMurray and time will come when banks will suffer from all the monetary loses. Recently, BMO and Scotia Bank announced enormous profits. I guess that helped in yesterday gains.

But sooner or later, the TSX is going to go down hard - one more time. Liberal government is not helping in any way. We are dealing with real issues in Canada. We cannot afford to overspend - but already - Justin Trudeau is hiring TWO nannies to take care of his 3 children. But why is that? Hew wife Sophie Grégoire doesn't currently have no real job, she doesn't have any occupation. Grégoire is a stay-at-home mom. So why does Justin Trudeau is employing two nannies to take care of his family? Its because Sophie Grégoire is a lazy bitch who want to play her first lady role and want all the advantages associated with it, including employing nannies using our tax money. And more than anything else, Sophie Grégoire want to be "a lady of the world". But she's not. When that woman speaks, she sound retarded.

I am not a fan of Justin Trudeau. He's not the man Canada needs but Canadians were not bright enough to see that clearly. We are going to go down in mountains of debt, oil sector will probably remains as it is for a while, banks are going to make less money and... the stock market will go down, again and again and again.

Dror Bar-Natan: this immigrate lied at the Canadian citizenship ceremony and we let him be

How many little bastards like Dror Bar-Natan do we welcome in Canada as new citizens each year? Don't tell me or you'll make me cry.

Dror Bar-Natanwas is born in Israel. If you watch the news just a bit, you might know that Israel is not a country in peace. I don't quite understand this, but apparently, he's a professor at the University of Toronto Department of Mathematics. That kind of give you the very poor level of education giving at the University of Toronto.

Dror Bar-Natanwas is a big fat liar. Soon after stepping out from his Canadian citizenship ceremony, "professor" Dror Bar-Natanwas recant oath to the Queen. This mean that during his Canadian citizenship ceremony, that man declared to be faithful and bear true allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors. That is a rule to become a Canadian citizens. However, Dror Bar-Natanwas wasn't true to his words. Right after getting out of his Canadian citizenship ceremony, Dror Bar-Natanwas disavowed the mandatory Oath of Allegiance to the Queen.

How come we tolerate those kind of things? Take that Dror Bar-Natanwas and put the bastard on the first plan to his so love Israel country - we all dream of living there right? 

The allegiance to Queen Elizabeth the Second, Queen of Canada, her heirs and successors is very important. Canada wouldn't be the country that it is today. I am myself born and raised in fabulous New Brunswick, I wear a classic Acadian family name. My ancestors probably came from France. There's almost no doubt about it, I am a real pure blood Acadian. I was once told by my dad that our  ancestor came form Nova Scotia... So right there,  chances are that I am probably from Acadian roots. 

You may know a bit of Acadian history. In 1755, Acadians started being deported from their land where they had build their home and cultivated the ground. The British took it all.

I didn't live all those atrocities, but I am very sure that our well-being that we have today in Canada directly results from the British heritage. This is why today I have money to invest and that I can make money on the TSX.  

Check out for yourself: Commonwealth countries are all good rich countries. On the other side, look what happen to France colonies - they are all poor. Each year, many immigrates come directly from France - they come here massively and take jobs that don't belong to them here in Canada. They enrich themselves on our back and during that time, some Canadian suffers, like the workers from the oil sectors, for example, or even new "real blood Canadian" young graduates.

We are extremely weak to let immigrates like Dror Bar-Natanwasto make fun of us, to not respect our heritage. Because our heritage is what had made the Canada of today.

Dror Bar-Natanwasto: go back to your lovely in war Israel country and finish in hell!

These days, boring is the usual on the TSX stock market

These days, the TSX could be what we could say "stable". No real gain, no real lost. Just a stock market that is there to annoy investors. Such stock market conditions are really not interesting at this point.  2015 is about to pass over and nothing much will be left of it in my memory.

On this Black Friday, my non-registered portfolio closed the session at $125 720.31. Nothing to be much excited about, but still, I am exceeding the 125k. My margin usage is at $65 844.02. I try to stay on the 65k. So let say that my financial situation is "ok" at this time. the stock market is not giving u the chance to get very enthusiasm and excited. This had become the usual these days. Very BORING.

I went to the Black Friday, but I didn't need anything. And it was raining like crazy and I didn't have an umbrella so I hit home quite quickly. I currently have everything I need to face the winter and I am trying to control my expenses. I bought a new pair of boots last year. I recently bought a new pair of jeans (really needed) a new purse at Aldo (no so needed) and a winter little hat. Those were the Christmas gifts from me-to-me. When a girl has a new purse, its like she has change of skin. Like a sexy snake.

Black Friday makes it the perfect time to buy a winter coat, boats or whatever else - but only if you need it.

 

When you have one winter coat, one pair of boots, one pair of shoes, a few nice tops, a few pair of pants, makeup, a few fake jewelries... Really, a nice girl doesn't need more. And that leave plenty of place for investment, or at least it make things much easier. However, I do spent a bit more than what is post on here - that being really the minimum. Control is the key and if you can control the way you spend your valuable money, you'll become powerful, and very sexy.

Have a nice Saturday.

Syrian refugees shouldn't be welcome in Canada

France, not only because of its recent terrorist attack, know what is like to deal with immigration problems. They have "HLM" where immigrants are jam pack, a lot of them are Muslims. People who live there live in hell. Drugs, prostitution, radicalization, school dropout... Its very sad, but while opening our doors to immigration, we also open the door to those kind of problems which cost a lot of money to deal with.

Immigration problem is one of the reason why France is so economically poor.

Canadian society is not made for Syrian immigrants. First, there's a religion problem. In Syria, they have their little Muslim routine, they pray, etc... But here in Canada, we live our daily live free of any religion. Our society system is not strong enough to welcome refugees because we let people do whatever they want. If a girl want to wear a hijab, she can. And see the results in France.

In France, immigration problems have nothing to do with Paris terrorist attack. The problem is so more complex and bigger than that. When you remove individuals from all they know to put them in a new environment they don't know anything about, don't expect things to go well. Its not ok to take poor refugees, bring them to Canada, force them to learn English and French and expect them to make a living by their own. By doing so, we are condemning Syrian refugees to eternal poverty. 

In the meantime, who is helping the workers who lost their job in the oil sector? What are we doing to help our own citizens? Nothing is being done. But we are willing to spend millions of dollars to welcome poor Syrian refugees who don't practice a decent religion and who don't speak either French or English.

Syrian refugees need help, but its not Canada responsibility to take. It doesn't make any sense to bring those people here. Syrian should reside in Muslim countries. Many of Syrian refugees live in Jordan. They should simply stay there. We could help Jordan to build infrastructures, schools, etc for those refugees, but taking them and bring 25 000 of them in Canada is foolish. Syrian refugees had to give up on their country, do they really have to give up on what is being left of them? I don't think so. Welcoming refugees is certainly good for Justin Trudeau image, but it will create all kind of problems, to Syrian refugees and Canadians people.

We'll have to do like in France, build HLM for Syrian refugees to live in because they don't have enough to pay their rent. And they cannot pay rent because they cannot find work... they cannot find work because they don't speak and don't understand our language... Its a vicious circle and I don't think Justin Trudeau truly understand in what kind of shit he's driving us in. Its very arrogant in a way. Its a decision made without any sensibility and without any respect to us.

Hydro One Limited (H) is giving a nice little punch to the TSX

After being left almost constipated by Montreal flushgate, I was hoping for better days. But after that came Paris terrorist attack. However, the stock market went in the opposite direction and surprise, gains in points.

YES. Today world is a crazy hell.

At now $126 120.14, my non-registered portfolio is in a better posture, but its still behind the usual 135k where I should be. Especially after investing a bit more than 2k in Hydro One Limited (H). I do not regret my investment in Hydro One, it make a great addition to my portfolio. Best thing of all, my investment in Hydro One Limited (H) had gain 2.86% in value. And I have a few stocks like that who are performing very well. Thanks to all of them, my non-registered portfolio is exceeding the 125k value. Its a good step in the right direction, but I need a stronger TSX before I can see the same good results as of April 2015. 

From what I read so far, financially speaking, 2016 should be a better year. I am not an anxious person, but the taught of having my shit going straight to St Laurent river had impacted on my way of living for a few days. And the stock market volatility had an impact on my everyday life. St Laurent River? The moron who is the Montreal mayor Denis Coderre don't give a damn. Reactions haven't been very strong on what was happening. This is so disgusting. We are going to die in hell for letting this happen.

Reality check being, I am very happy not be a Quebecker. I couldn't live with myself if it was the case.

Currently, since the flushgate is over, my only concern of the time is my margin which is at $67 296. Its a bit high for margin usage.

While dealing with a mix of insecurities, saving money is the best you can do. Advice of a Dividend Girl

The stock market is by itself is very strange, like if the world wasn't strange enough by its own. The stock market only enhance everything up. On Friday, Paris suffers from a terrorist attack and on Monday, the TSX was gaining closed to 2%, and in results, my non-registered closed yesterday session at $126 567.19. Today, my non-registered portfolio closed at $126 353. 

From a day to another, the market go up or down... its a real circus out there. No need to rush to invest my money because:

1) I have no ideas in what to invest.

2) Markets are frightening. Each business day, I hold my breath.

3) I need more savings.

With today world being all upside down, one of the most valuable thing to have is savings. A mistake that can be easily done is to think of your investments who are on the stock market as savings. Investments are not savings because investments are out of reach. I would never sell my stock portfolio, no reason what. Knowing that, what would I do if I need money?

I don't know, I only have 1k in my banking account.

This is not a normal situation. I have a non-registered portfolio of $126 353 on the stock market and I barely have no savings at all.

I am such a bad bad girl. We can all agree on that one and single thing at least.

During time of insecurity, focus should be made on savings.

Save, save and save.

My annual dividend income is now at $6 173.34

Even with my latest investment in Hydro One Limited (H), my non-registered portfolio closed Friday session at a low $124 582.79. Normally, in a good stock market position, I probably be on the $135 000 mark right now. Its no surprise, with a TSX as low as 13 075.42 points, no one can really be on top of the game. And this way, part of the great good excitement and magnificent of investing in stocks is being lost. We all invest to make money, but sometimes, it take more time than what it was initially expected. 

I am willing to take the time it will take. In the meantime, with the addition of Hydro One Limited (H), my annual dividend income is at $6 173.34. Hydro One Limited (H) will probably pay a dividend yield between 4 and 4.4 percent. This is a reasonable dividend distribution. Overall, I think that Hydro One make an interesting investment to any portfolio. I like the idea of holding a company that is partly also own by the province of Ontario. That was my main reason behind my turn on.

The second half of 2015 had been very rough for me. For the first time in several months, something "new" catch on my attention. I felt the same good old excitement as before. Each time you invest should be a celebration and its definitively bring on some good vibes. I felt a bit of that withe my investment in Hydro One Limited (H). From I saw inside my non-registered portfolio with TD Waterhouse, Hydro One Limited (H) has a margin loan value of 50% - which is very good.

A good margin loan value doesn't necessarily mean that an investment is of good quality, but its certainly a positive indication. I don't think that TD Waterhouse would had gave a margin loan value of 50% to Hydro One Limited (H) if that company didn't have value at all. See what I mean? TD won't never openly admit it, but margin loan value can certainly use as in indicator of how well a stock is doing.And with my little knowledge, I like to rely on straight indicators like margin loan value.