BMO Bank of Montreal is also upselling customers

The TSX gain some valuable points today and it help my non-registered portfolio to reach the $152 233.41. My TFSA closed at $60 194.68. I estimate my net worth to be at $190 400. Its a good step forward. I was pleased today to see Just Energy Group Inc. (JE) closing at $8.06. If even JE is taking up some strong beef, its because everything is really possible. Like if this super babe could have everything she wants.

TD is currently under fire. A few days ago, CBC came with a story of ex TD Bank Group employees saying they had been put under pressure to sell and make clients sign up for products and services that they didn't need or even ask. Banks CEO received millions and millions in "compensation". That money need to come somewhere. In the financial industry, where everything is really focus on money, bonus and performance, at the end, the pressure to upsell customers is quite common. Customers are paying the price. The need to be smart is needed.

I had invested in the past in mutual funds and I have deal with financial advisers in the past and I got more bad than good experiences. I had the experience of a financial sector extremely fresh. I once had invested in Manuvie products. I wanted to invest 5k in RRSP related product. but I had a bad surprised, the advisor only but 3k in RRSP. I had to called Manuvie to have the mistake corrected and I was really pissed off. Did I ever bought some financial products with Manuvie ever again? Hell no.

Once at Mont-Royal Desjardins, I wanted to invest in mutual fund for my RRSP. Even if I had the correct investor profile and the money, I was denied access to the product that I wanted. Do I make any business with Desjardins now? Hell no.

I am just telling quickly a few stories but I had lived many others. You may go through the hundred other posts wrote in the past couple years.... you have too. ;-)

I have several thousands of dollars at my disposal to invest and play with, but from my experience, its way better to be a self doer because in Quebec, there's no good financial advisers or bank or firm that exist. Quebeckers are people who are very fresh, selfish, careless and have no class. When it come to money, they are extremely incompetent. I never put my money and trust in the hand of any Quebeckers and I strongly advice to outcomers to be extremely careful. Living in Quebec is not easy or fun. But if I am now so close to hit on the $200 000 net worth, its only because I am top sexy smart.

Generally speaking, the Quebec mass is not good and shouldn't be trust in any way. This is really important to know. Its a matter of education and Quebeckers are not well educated and that being in every field, especially when it come to money management.

Several years ago, I was working at BMO Bank of Montreal. I had followed an entry level training to work at their Montreal call center. The pressure for sales was really intense. Basically, I had to do sale in every single calls and by "sale", it meant the opening of a credit line or credit card, the opening of a bank account, the "update" of a banking account, etc. When you transferred a call for a credit line to another service, the supervisor knew who had transferred the call and if the customer had open a credit card or anything else, the sale was put under our name. There was a real competition going on by sector and by shit. A client could call simply to check on his or her balance let say, but land up with a credit line because it was pitch at their face... Stuff like that.

Toronto-Dominion Bank is being accused right now, but BMO Bank of Montreal has a lot to be ashamed of. What a bunch of little fuckers.

I prefer to be a self-made rather than having to deal with some idiots. Please kiss my assets.

The $200 000 net worth is on its way

The TSX may had lost 165.21 points today, but my portfolio reaction was quite smooth and I was surprised because I was really expecting some loses and felt bad about it, as always. I am not in to lose money. I need to make money, especially at the time where I am just so very close to hit on the $200 000 net worth. Sooo close that the only thing I find to keep it cool is to sweat all of my body evening after evening like if I were going to marathon or something like that. And I kept thinking that if I would be Eugénie Bouchard tennis star best pal, I would had transformed her into a beast like I am and she'll be winning her games one after the other instead of losing them. I don't know what shes does at the gym but she needs to wake up and listen to Eminem songs on her iPod and this is it. And yes, mine (booty) is getting all shake up these days. I guess it oxygen my brain a lot because I am on top of my game and there's nothing I love more than winning. And nope, you cannot beat me up. You cannot do close better on the market right now. Sweet secret love: sometimes, I am at my best like now..... when I keep it nice and quiet and don't trade. But don't tell anyone.

It wasn't looking good from the outside today. Just to make things just a bit more rough, the weather is currently really bad in Montreal. A major winter storm is on. I forgot to call my old folks to check on them but its too late to call now. I got busy watching tv and time pass by. The bad weather was just a good excuse to skip the regular I-like-to-burn my ugly sport gears ritual at the gym until I see holes. One day, nothing will be left and I will have no choice than to buy a couple of t shirts that actually fit me and are not too flare. And I would like some long leggings too please. Those at Gap look so pretty nice. The jogging pants are about to be put in fire. And its too hot to exercise in jogging anyway.

But oh no, cannot buy too much right so the ugly clothes will remain for now for many reasons as I just have a few thousands to go for my little emergency fund project. Easter is coming up and no way I am going to stay here. So far, sexy lucky girl with the ugly sport gears was able to spend all of Easter in New Brunswick for the past couple years. If after that you still believe that God doesn't exist, its just really not my problem.

Best thing is, the TSX lost close to 170 points and my non-registered portfolio closed at $151 067.24 and TFSA $59 901.56. I currently don't trade, but I would like to have Atco Ltd. And TIH is still the hot stuff too. I didn't sell Stornoway Diamond (SWY) yet. I prefer to keep it for now even if I taught about selling it.

The next hot TSX stock for my portfolio: Atco Ltd

I have to say, Atco Ltd (ACO.X) is an interesting stock, there's great articles that cover the family  business history online, you might want to read this one at least. ACO.X chart is certainly rocky. However, many aspects play in my advantage. At 59 years old, I am not under the impression that Nancy Southern will leave behind her father and grandfather legacy anytime soon. What I like about stocks is that it make me benefit of all the super hard work of individuals like Nancy Southern and in return, I don't need to do anything at all, if not to be smart as always, buy some company stocks and hold on it tight like precious jewels, collect dividend, enjoy the cash and if lucky, the capital gains. 

I mean, it would be dumb not to have Atco Ltd in my portfolio, especially knowing how good of an investor I am - right? This is the kind of game I like to play. Nancy Southern is no longer "only" the CEO Atco Ltd, she's about to be at my very own personal service without even knowing. No one really know what that woman is capable of and soon enough, Atco Ltd will turn my portfolio into fire. So let's go.

I guess that over the years, my instincts served me well. I can recognize a good stock when I see one. And when love hit me on, there's nothing that can stop me from getting what I want. And right now, too bad that the stock market is closed, because I only want Atco Ltd in my portfolio. Its going to be sweet dreams tonight. When money is in your mind, you can only sleep too well.

Sometimes, I fail at my duty. And its a good thing in a way because at a point, I could get scared of my own self if I would only make great investment moves after the other - but like said its almost, very almost the case. The TSX is my place to be and I want to hold on to everything susceptible to turn me into a very spoil rich girl. I won't be giving up anytime soon, I promise.

I guess you understand by now, I absolutely need Atco Ltd in my portfolio.

About a stock that didn't turn in my favor, there it come: Stornoway Diamond (SWY). 

I am thinking about selling my SWY stocks to buy Atco Ltd. I have to check on the ticket, as I would like voting shares of Atco Ltd so I can put a bit of pressure on Nancy Southern shoulders. Just a little bit.

Happy WOMEN day, investors

Day like this, with no clear market direction, is not an ordinary day. It can be as stressful just like if the market would had lose 150 points. Maybe the worst is to come, maybe not, but a day with no direction leave all suspense possible. DRIP helping - and I forgot that I hold CM in both non-registered and TFSA portfolio - my dividend income is now at $7 016.39. Getting closer to 8k, but my main concern at this time is not to see outstanding dividend gain. Its simply to keep my head out of the water.

Its a good thing that I began to put cash away. This way, if a good opportunity present, I will have original money to buy something - other than just margin money, which I only have left available 15k+ at this time.

One of today top gainer hit me on: Atco Ltd (ACO.X). I began a new page on my blog, a Watch List were I can throw all the stocks that catch my interest, but its not showing up strangely. Technical problem. But no worries the secret page is here for your review. You'll have to put it in your bookmark and check it from time to time if you don't want to miss the best I have to offer. Because I really hope you only read me for what I am best at: finding good new investment ideas.

Tomorrow is women day, which is obscene in a way to come with a "women day" - just to distinct us a bit more. We don't need anything of that nature. Does guy have a "men day"? It make pity. I guess it would be a good thing to say that the CEO of ACO.X is a woman, Nancy Southern. Yeah. This is certainly not common but I so don't care. I know only one stock of mine that has a woman as CEO: Just Energy Group Inc. (JE), CEO being the founder of the company, the one and only Rebecca MacDonald. I adore Rebecca MacDonald, and she's a woman. Hourra.

Anyway, women still have a long battle when it come to CEOs position like that, and even in finance. I am not familiar with any female investor, if its not only Susan Brunner. But its because I am the best female investor. Its only because of that. LOL

Only time will tell if I am very good or not but so far, I will say that I made descent money, and I could live by working part-time at the minimum salary if needed so if I can do that, its mean I am a sexy star.

Happy WOMEN day.

Toromont Industries Ltd (TIH): a major turn on for investors

Following Donald Trump speech to the Congress, the TSX reaction was quite good. It didn't hit back to the old very luxurious 15 800 points, but still, a 15 608.5 points is quite nice to be on. My non-registered portfolio closed Friday session at $150 582.99 and my TFSA at $60 313.2, all quite good for me. Overall, my net worth is probably around 187-188k right now.

Its hard to believe, but I currently have $2 880.49 in cold fresh cash in my banking account. One of my secret goal for 2017 was, for once in many years, to leave some money in my banking account, and the amount set was money survival for 6 months, $1 250 (minus my dividend income), which make about $4 000. If I ever need to, I may be able to live on less than $1 250, but it will be tough rough life. 

By the end of March, I hope to have at least $4 000 in my banking account. And that will be it. It wasn't easy at first to see a few thousands being there doing nothing, but its all for a good cause - mine. Very awful to have so much put on the stock market, knowing that its the riskiest place to put any money, and have no cash hiding somewhere safe. This all come at the right time because my portfolio is "almost" a work of perfection. My latest investment, Toromont Industries Ltd (TIH) came as a revelation and its probably among the best investment moves I have ever make in the past couple years, if not so far in my life. There's really investment that change life and ever since I had been in contact with TIH, I know it was it. 

Only time will tell if I am right but I am very confident and I have good hope for this investment. Starting April of this year, I would like to invest a couple thousands more in Toromont Industries Ltd (TIH) just to satisfy my taste for self-satisfaction. And just to bring that self-satisfaction feeling to another level, I am the one that bring Toromont Industries Ltd (TIH) to life on Internet. Go on Google, search for TIH on the Web and you'll see it for yourself: no one expect me to write about TIH, no so call financial bloggers, no so call journalists, no so call fund managers. Just no one. Just the so call Dividend Girl lol. But now you know at least the existence of TIH. According to the Globe and Mail, TIH shares have outperformed the S&P TSX by 29.83% during the last year. What a spectacular stock to hold in a portfolio, isn't?

So far, 2017 is a glamorous year for my dividend income. Canadian banks announced one after the other that they were increasing their dividend. Latest one was Toronto-Dominion Bank (TD). My latest dividend increased + the new stocks collected by DRIP made it easy to reach the 7k in dividend income. My annual dividend income is now at $7 007.86. Finally popping up the 7k mark. Investing more in TIH won't bring in a lot in term of dividend, but I am in for the capital gain on the long long run.

Toromont Industries Ltd (TIH) just be ready to be on my side for years to come.

Donald Trump is rocking the Congress and Bank of Nova Scotia (BNS) is increasing its dividend distribution

Right now, the TSX is playing games with my heart. Just like if I didn't already eat enough dust. The stock market is not a place for little girls. I cannot make money if the TSX is not all high up. Its the way it is. Each time the TSX lose points, my 200k net worth is fading away. My non-registered portfolio is now down to $149 332.92. I have left $13 790.97 on my margin. Lower than 13k is a critical point. No worries, all my eyes are on him, just like if my margin would be a very nice looking Cuban man. So I am watching this very very closely. The only way to go through is to remember that one day in life, I was on top of everything. Right here.

While waiting for my great returns to come back, I am currently watching and listening to Donald Trump addressing the Congress. And so far, Donald Trump is making me proud. Its an interesting talked and he introduced the story of American citizens in his speech. His words are clear, make all good common sense. Its being said that Donald Trump finally found his voice and that this might be the best speech of his political career - so far. I didn't catch his wife in the audience - she had missed something.

Ivanka Trump is there wearing a pink dress, probably of her brand, sitting right next to a woman who lost her husband at war. I think Ivanka Trump husband is sitting at her left. Trump is giving the speech the US nation was is need of. Tomorrow, I am pretty sure that stock markets a little bit around the world probably going to go up, just like I need it to be so I can be successful and really beat it up one more time. I am getting too use to be on top of my game like most of the time and arrogance has become my new vice. So back off ok.

Recently, Royal Bank of Canada (RY) and Canadian Imperial Bank Of Commerce (CM) decided to increase their dividend. And now, BNS is following the dancers. Let's go, make me rich.

Saying hello to a $7 000 annual dividend income

The TSX was on it way to make me on top of my princess game - once again - and happily hit on the 16 000 points for the first time in history. But I guess it was just too much too soon. The TSX pulled off back and closed this past Friday session at 15 533.47 points. My non-registered portfolio closed at $149 466.72 and my TFSA at $60 382.61. At this time, I estimate my net worth to be around 187k. Still solid like a rock and beautiful as gold, or if you prefer, God.

The pot of gold is not on the $190 000 right now, however, its now official, my annual dividend income reached the 7k: $7 003.86. This exclude the dividend income coming from the RRSP. This is happening because my non-registered and TFSA portfolio are set up on DRIP. And also, fact that Canadian Imperial Bank Of Commerce (CM) and Royal Bank of Canada (RY) announced dividend increase recently also help my cause.

One of this past Friday top gainer on the TSX catch my attention: Colliers International Inc (CIGI). It will be difficult to ever beat up my last investment, Toromont Industries Ltd (TIH), but I like to seek for other investments. Even after finding TIH. And that being for many reasons. One of the reason is that ever since I had been investing in stocks, I always been searching for new stocks to invest in. It became something very usual overtime. But the more time pass by, the more difficult the task had become. Its also clear to me that the search for THE stock need to continue, rather it is on the US or Canadian market. The best that have the stock market cannot resume itself to what I already know. 

Too bad for the little Quebeckers. Fact that I am holding Toromont Industries Ltd in my non-registered and RRSP portfolio make me the greatest investor on earth. Its really that simple.

TSX can lose all the points it want, arrogance is here to remain.

Again this year, I won't invest in my RRSP portfolio

Actually, this is partly true. I contribute to my RRSP, but only at a very low level through my bi-weekly pay. I cannot simply rely on that for my retirement. But l like always, I learn a long time ago to take care of business myself. Especially since Jean-François Tardif seriously began to piss me off with his damn JFT Strategies Fund (JFS.UN) just going no where. Nice man, good heart, good looking, but no fun profit! And no nice dividend! So when a man doesn't give me what I want, I stay away. Love you but bye bye bye Jean-François Tardif. I am going to get rich all by myself, just like it was expecting to be.

RRSP is good - but only if you are rich. Like real rich. Personally, I don't like RRSP and I really regret having invested in RRSP when I was "younger". Why? Well, if I would had made those investments inside a non-registered account, I could touched the dividend money. Currently, my dividend income is of $6 995.66 (non-registered and TFSA portfolio dividend). Now, imagine what could be that income if my RRSP stocks would be invested inside my non-registered portfolio. Like so frustrating! I don't care of what my needs will be when I will be old and gray. I want to have all the cash possible and ENJOY it NOW. Tomorrow is another day that I don't necessarily care about.

You are reading the Dividend Girl Blog, its not here that you'll read about seriously good stock review. My investing style is one of a voodoo princess. It watch catch my attention and my choices are base mostly on impressions and feelings. And of course, I check if the chart is all the way up, if the stock exceed the value of the before 2008 stock crash, the dividend yield is not too excessive, a good stock history, mostly something that been around for a couple of years. I made mistakes among the way, my portfolio is not perfect. If you are getting tired of the voodoo method, there's other option. Stockopedia is quite interesting. And for real stock reviews, serious ones, Susan Brunner has what you need! Check out her latest post, quite interesting. After reading, you'll have all the buzz needed to save all the cash in the world to invest and make your way to thousands and thousands in net worth. Very dangerous post.

Getting ready for my first 200k net worth

When I saw Friday that my non-registered portfolio was popping up to the $152 000... I knew something special was going on. I was hoping to finally be sitting on the $190 000 net worth. So I update my portfolio as quickly as possible to find out and it when I discovered that I was so almost sitting on a 190k net worth.... almost. At $188 996.88, its now reality, the 190k net worth is just around the corner. If I can just make other great discoveries like my newest Toromont Industries Ltd (TIH), it won't be long - unless something catastrophic happen on the stock markets.

My feelings toward TIH is the same I got years ago when I invested in my precious Premium Brands Holdings Corporation (PBH). I invested about 5k in PBH years ago and today, on date of February 19, the investment worth more than $32 000. I would like to invest another 1 pr 2 thousands in TIH, sit on the investment like a sexy hen and wait for capital gain to come in. No more work is needed, just the right stock pick, that's all.  

So far, 2017 announced itself as being THE year for my first $200 000 net worth. It wasn't that long ago that I reached $100 000 in net worth. It was actually in January 2014. We'll see if I can make $100 000 every 3 years or so. 

I read somewhere that some illegal immigrates had reached out New Brunswick, only 3 for now. But even with 3, the Maine-New Brunswick border is only decorated by very small cities and I couldn't help thinking that policemen in New Brunswick might just don't know what to do if they catch illegal immigrates crossing the border. Its quite problematic, even if its only 3 immigrates. Where are they going to put these 3 people? We have enough to deal with in New Brunswick including poverty that is present. We are really not arm to welcome illegal immigrates. Like not at all. And I don't even feel compassion for those immigrates invading New Brunswick. Its just not their place to be. New Brunswick is a too poor province to welcome refugees. There's many people who are in great needs and we should not spend one single penny for those people. Rich or poor, I am against the principle and I find it totally disgusting.

My investment portfolio on date of February 17, 2017

Non registered Investments:
Cold cash: $2 571.82


Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.13
Bank of Nova Scotia (BNS): $9 572.94
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 821.69
Fortis Inc. (FTS): $4 968
Pembina Pipeline Corporation (PPL): $21 344.28
Just Energy Group Inc. (JE): $6 907.95
Enbridge Income Fund Holdings Inc. (ENF): $12 333.60
Corby Distilleries Limited (CSW.A): $2 803.64
Premium Brands Holdings Corporation (PBH): $32 401.12
iShares S&P/TSX Capped REIT Index (XRE): $2 536.38
New Flyer Industries Inc. (NFI): $4 753.08
TMX Group Inc. (X): $572.88
K-Bro Linen Inc. (KBL): $4 400
WesternOne Inc. (WEQ): $12.60
TransCanada Corp (TRP): $1 556
Canadian National Railway Co (CNR): $8 446.50
Enbridge Inc. (ENB): $1 539.16
Agrium Inc. (AGU): $6 239.44
Canadian Utilities Limited (CU): $1 540.56
Black Diamond Group Ltd (BDI): $126.50
Emera Inc. (EMA): $1 131.75
Cineplex Inc. (CGX): $1 281.25
BCE Inc. (BCE): $1 292.72 
Stella Jones Inc. (SJ): $827.20
Saputo Inc. (SAP): $1 830.80
Lassonde Inc. (LAS.A): $2 039.90 
Loblaw Companies (L): $818.28
Savaria Corporation (SIS): $5 451.72
Stornoway Diamond (SWY): $1 398.55
Open Text Corporation (OTEX): $1 754.80

Canadian Imperial Bank Of Commerce (CM): $3 494.70

Toromont Industries Ltd (TIH): $1 884.40

TOTAL: $152 082.53

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 156.39
American Outdoor Brands Corp (AOBC): $1 345.40
Cash: $163.68

TOTAL: $3 748.08 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $56.94
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): $941.15
AltaGas Ltd (ALA): $940.50
CT Real Estate Investment Trust (CRT.UN): $1 552
Canadian National Railway Co (CNR): $3 754
Exchange Income Corporation (EIF): $9 365.30
Firm Capital Mortgage Investment Corporation (FC): $562.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 181.83
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 155
Laurentian Bank of Canada (LB): $1 222.20
The North West Company Inc. (NWC): $1 494.50
Andrew Peller Limited (ADW.A): $3 695.10
Barrick Gold Corporation (ABX): $1 056.40
Canadian Imperial Bank Of Commerce (CM): $1 747.35
Hydro One Limited (H): $2 407.84
Toronto-Dominion Bank (TD): $1 388.80
Boyd Group Income Fund (BYD.UN): $2 668.20
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 239.30
Keg Royalties Income Fund (The) (KEG.UN): $1 421.70
Data Communications Mgmt (DCM): $16.32
Westshore Terminals Invest Corp (WTE): $6 127.50
Morneau Shepell Inc. (MSI): $1 766.70
Royal Bank of Canada (RY): $3 963.60
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 160
Parkland Fuel Corp (PKI): $1 783.68
Stornoway Diamond (SWY): $1 518.90
Park Lawn Corporation (PLC): $972.60

Cash: $163.06

TOTAL: $59 337.22

RSP investment portfolio:
Emera Incorporated (EMA): $11 543.85
EnCana Corporation (ECA): $1 749.60
Toronto-Dominion Bank (TD): $2 083.20
Barrick Gold Corp (ABX): $1 320.50
Stella Jones Inc. (SJ): $4 136
Telus Corp (T): $2 196.50
Alimentation Couche-Tard Inc. (ATD.B): $491.12
Royal Bank of Canada (RY): $1 981.80
Savaria Corporation (SIS): $2 182.86
Thomson Reuters Corporation (TRI): $2 354.80
Park Lawn Corporation (PLC): $3 242
Richards Packaging Income Fund (RPI.UN): $825
Toromont Industries Ltd (TIH): $329.77
Cash: $11.21                                  

CIBC Dividend Growth Fund: $804.24
CIBC Emerging Markets Index Fund: $494.71
CIBC Monthly Income Fund: $1 382.74                                        

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 312.89                                  

Manulife Fidelity NorthStar GIF CAP B: $1 542.74
Manulife Simplicity Growth Portfolio: $1 270.55
Maritime Life CI Harbour Seg Fund: $1 216.95
Maritime Life Fidelity True North Seg Fund: $1 220.50
Manulife GIF MLIA B World Invest: $1 040.40

Other various: $8 583.27

TOTAL: $54 396.95

Social Capital at Desjardins Membership share: $35
Pending online income: $124.18
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$272 295.78