Tic tac, tic tac, tic tac...

ONLY 13 DAYS BEFORE MY BIRTHDAY! And after that big special day, in only 3 years from now, I will be turning 40 years old!!! NOoooooooo! **DRAMA** 

Nothing exceptional about aging, but the trick is not to see the result of terrifying aging on me. I was told more than more time that I don't like my age and I always welcome the compliment with infinite joy. Like: long hours spent at the gym and spending a small fortune on beauty cream kind of worth it after all. That's why I cannot buy a condo. Now you know my secret.

My non-registered portfolio closed today at a good $174 135.99. PBH got back to its old rich days. I am getting fabulously sexy rich on Premium Brands Holdings Corporation (PBH). And each time I put my eyes on PBH value on the TSX, I think of Jean-François Tardif. While PBH is popping up the cash, his JFT Strategies Fund (JFS.UN) is down of 1.46%. I think of Tardif each times I check on PBH because a long time ago, PBH had been a stock recommendation coming from him. The poor sweet handsome should had think of investing in PBH for his fund.

During that time, SIS is playing game on me and decided to go all the way down. Savaria Corporation (SIS) lost more than 6% today, for just no obvious reason. Is it the fault of Marc Cohodes? Who care? Us Canadians, we need to stop valuing the opinion of Americans because we are the best of the world. Americans are scaring everyone, including the poor Haitians, when they are killing each others. Americans like Marc Cohodes need to be diminished and completely ignored. Its a funny thing to say when the NAFTA is about to be rebuild, but we should be very hard on Americans and treat them like they deserved. Canadians are always so weak in front of Americans. But that has to change. Marc Cohodes is far from being not an honorable investor and can only kiss my valuable assets. The USA is not a valuable country.

I might be taking some ages, but there's some nice stuff about me that will never change. On the stock market, you need to be strong. SIS is falling for no reason, I am holding on to it for now and I won't let go until blood comes out from all of my orifices. Very all of them. And while waiting, my portfolio will be up to $180 000. See you baby. $$$ and a lot of $$$.

Enjoy a free visit of my Montreal apartment

The TSX lost more than 100 points today, major loses. I didn't even take a look at my portfolio online because I truly know what is there for me: desolation and loses. The best is to avoid looking. Its not anytime soon that I will be posing an update of my investment portfolio. As you might know by now, I only publish updates to satisfy my ego. I only publish complete portfolio updates when I am at my very best and when I am on top everything, like if I would be the Queen of the world.

I don't even want to understand what it might be for financial professionals who are directly involved in the stock market. Dealing with this kind of stress day after day. It might be an of in deep ugly feeling of emptiness. Each moment definitively has it song.

I adore this Garbage song Empty, its a real killer and Shirley voice is just so great. The video is quite awesome too. Its just lately that I understand why I had colored my hair in red for so many years: its because I wanted to get Shirley Manson good look!!! 

I am feeling sorry for myself and my readers because my 37th birthday is coming so soon and instead of being on top of my game, I need to deal with a catastrophic trading conditions. And its not about to end soon. I know its crazy and not convenient at all, but I was very satisfy to read Donald Trump comments about North Korea, saying that he was warning fire and fury if Pyongyang continued to threatened his country. Its about time that a world leader put the North Korean leader at his place. In many regards, I agree with Donald Trump. There's just a few problems with him: he tweets too much, sometimes talk too much and he's too aggressive sometimes, with just so any sense of delicateness at all. And in some points, me and Donald Trump are kind of the same: both monsters. But am a poor version of Donald Trump and maybe I would had done better in life if I would had his gut and extreme arrogance. One of my greatest quality is that I exactly know who and how I am.

Those who dislike Donald Trump just don't see his good sides. Ivanka Trump being around bring on something of positive, but she needs to be more present. She has all the grace and good taste that her father doesn't have. No one is perfect.

When it hurt to be on the stock market, its a really good thing to explore other adventure. Night after night, your dream of seeing me. I can't make that happen now. But I can certainly make you visit my little studio that I recently put some love in. I have a tiny little one and half apartment, but perfectly located somewhere in Montreal. I am now paying $665 per month for that apartment. I had post pictures of the same apartment that I still have today 5 years ago. You can check the old pictures of it right here.

I recently bought new furnitures at Structube. I really recommend this furniture store. It is well located in Montreal, it seem to be a Quebec company and delivery service was totally fine, furnitures came in big boxes and in good conditions. I bought a kitchen chair, a living room chair and a night table there. 

Let's begin with the cool night table. I just received today this lamp and jewelry plate that I bough on Amazon:

I really like this Crystal Silver Table Lamp on my night table. The Umbra Prisma Jewelry Tray also look pretty cool. Don't you think so?

This is what my living space look like:

The faux fur throw and faux fur pillow on the chair comes from Structube. Its their "tiger" wow design...

The frame bed and table got change by the owner. This wardrobe furniture is also from the owner. I bought those cute large sweater-knit baskets at Simons to put on top and store some stuff. It look pretty clean.

This Velvet arabesque rug come from Simons too.

I have some free space in front of my bed,its where I currently put the laundry bed, but I am looking forward to do something with the space.

This is my kitchen, which is decent space - I saw too many small apartments with no decent place to cook and with no storage space! I like the cabinets space.

I like this kitchen rug, really easy to clean. I bought it at Winner. I put a rug at that direct spot because the floor is broken there.

We don't see it well on the oven, but there's a spoon rest piece of this kit.

Next to my oven is my shoe rack, which I find useful.

I like this wood alike rug. I bough it at Winner too.

And here's my bathroom. I really like my shower curtain. Its a Rococo shower curtain that I bought at Simons. I bough the basket at Stokes. The bath rug is from Simons.

A cute little basket is always welcome in small spaces, including in a small bathroom. I have too many hair products. I bought it at Simons too.

This is something new that been installed recently:

And finally, I got this little Parisienne theme garbage can at Stokes.

Et voilà, that complete the visit of my apartment. From now on, you know where I blog, I sleep and watch TV. I had been living in there for about 10 years. I recently made all those changes and ask my landlords to change some stuff. It was all greatly needed.

3 Reasons Investing Abroad in Dividend Yielding Stocks is Good for Your Portfolio

Diversification is one of the cardinal rules of investing that you can't afford to flout if you want to protect your investment portfolio from unpleasant surprises. Telling you not to put all your eggs in one basket already sounds cliché and most smart investors will have a mix of conservative and speculative investments in their portfolios. 

Many investors diversify their portfolios across stocks, mutual funds, precious metals, bonds, and forex. Others investors diversify across multiple areas of the economy and some investors diversify across multiple sectors of the same industry. For a dividend investor, diversifying your portfolio across national borders is one of the smartest ways to enhance your dividend profile. This piece examines 3 reasons why investing abroad in dividend yielding stocks is a smart diversification move.

Access to different market cycles

The economic reality is that different economies operate on different market cycles. A global recession or bull run will have varying effects along a spectrum on different economies. Even in the best/worst economic times, some countries will get in/out faster than the others. Investing in dividend yielding stocks abroad provides you with an opportunity to access massive dividend payouts especially in emerging economies where a rising middle class often trigger bullish sentiments for stocks prices, earnings and dividends. 

If you focus only on investing in companies in your home economy, you'll most likely be recording massive opportunity cost in the international markets.

Diversification away from the U.S. dollar

The U.S. dollar is de facto global reserve currency but the greenback is gradually losing its position as other economies continue to challenge the economic dominance of the U.S. In addition, some of the unconventional economic policies (and statements) of President Trump are Dollar-negative and the greenback is experiencing an unprecedented level of volatility, Investing in dividend stocks abroad provides an window for receiving your dividends  payouts in other currencies such as the Euro, Pounds, Yen, CAD, and Yuan among others. 

Of course, one could make a counter argument that investing abroad to diversify away from the USD might not make much difference because  of FX fees relating to transferring your money abroad and collecting your dividends from a foreign currency back to the USD. However, the good news is that international money transfers are no longer in the exclusive domains of banks. Now, you can find tons of international payments options to send and collect money outside the country at fair, reasonable, and competitive prices.

Access to international credit

Apart from the fact that investing in dividend stocks abroad helps you to book gains from bigger markets and it protects your portfolio against economic shocks, international investing can also be a great tool for extending your creditworthiness beyond national boundaries. You can easily access a broader credit base in the countries where you have significant investments. 

Investors who only have portfolios locally are often at a loss when credit is unavailable or expensive in their local markets – the worst part is that lenders reserve the right to approve/deny credit applications. However, you can easily send it a credit application to a lender in another country and use the investment portfolio as the basis of an existing relationship for the credit facility.

Me and Ivanka Trump

I came home late this evening because I was busy shopping for an upcoming wedding. I already know which dress my mom will be wearing. Its a simple, but pretty dress. I didn't want to override her outfit by wearing something more dressier. I already have  dress that could do the thing in my wardrobe. But I decided to stop by La Baie.

In Montreal, La Baie store is located right downtown and its certainly the best of the best shopping spot. I tried many dresses of course. I fall in love with Tadashi Shoji dresses. Unfortunately, its a bit too much, as explain, I cannot be prettier than my mom. I tried this dress on. It was really pretty, it was the perfect dress. However, quite expensive. And I couldn't resist, I also try this one, but in a shorter version - it was real pretty too. Tadashi Shoji is an amazing designer. Too bad my mom isn't wearing something more classy. It was fun to try on some princess dresses.

I kept shopping and I stopped by some Ivanka Trump dresses. I don't know if you remember, but I had bought an Ivanka Trump winter coat a little while ago. Fact is, I like Ivanka Trump designs. She has really nice stuff. I decided to buy this Ivanka Trump dress. Its looking real pretty on me. Want to see?

There you go readers, the first pic ever of the Dividend Girl on this blog:

Looking great or what??!!! Oh check, you can see some of my blond hair!!! Wowwwww LOL

The lady at La Baie told me that it wasn't a convenient dress for a wedding because of the zipper it has on the front, but I will be the bad ass wearing a dress with a zipper at a wedding. I now own that Ivanka Trump dress. There's a nice stretch into it to keep the little but existing beer belly all in and not out. I am going to bring that dress and the other one I had in mind for the wedding with me when time come.

I spent an entire evening shopping for that Ivanka Trump dress. Now, I need a white purse and a white sandals. When the TSX get boring, go outside shopping and spend all that money.

Jamieson Wellness Inc. (JWEL): on the run for gold returns

My latest investment in Jamieson Wellness Inc. (JWEL) is paying off. JWEL had gained 3.67% so far inside my non-registered portfolio. I need this new jewel to really kick it on and bring on smoothly some fresh new cash that I so desperately need at this time. Today, JWEL hit on $19.95 per share - among of its highest value ever. Unfortunately, Jamieson Wellness Inc. closed today session at $19.33. But quite good no matter what. And its quite easy to imagine JWEL hitting on the $20 per share in a close future. No, JWEL doesn't pay any dividend. Its a new stock to the TSX, its quite normal that its not paying a dividend yet, but I can easily imagine that JWEL will be paying a dividend later on. I wanted to invest in Jamieson because it was for me an interesting company to invest in and it bring in some diversification in my portfolio, as I don't really have anything related to health care inside my very very awesome portfolio.

Basically, I am running after fresh cold cash like always. Time is passing by, but nothing is really changing. And this special one will be turning on 37 years of life on August 27 so watch out. The world will never be the same. And be ready because I am back in the money making gold with JWEL. My latest proud is definitively paying off so I not getting lost. I still have a bit to do on the TSX. Its really my place to be, even if its quite hard to be an investor these days, especially on the TSX. I don't understand why our index is not exceeding the 15 500 points, its nothing I can understand and I don't care. I only want to make gains. 

My non-registered portfolio is really awesome, really great, but its only standing at $173 949.10 while it has really everything to be on the $180 000 mark. I have everything, at the exception of a great TSX. Its difficult to have amazing results when the TSX is hitting below the 15 500 points. I just cannot make it work.

Anyway, in the meantime, since it seem like I cannot find a decent and clean apartment at a decent price in Montreal, I went through a major organization of my current one and a half apartment. I gave away many bags of clothes, got rid of many things and it just felt better ever after. I am not the type who have that many clothes, but I am sweet hoarder. I like to keep things just in case..., and things just keep accumulating. Like for example, I had kept an old hair dryer that wasn't even working anymore, old clothes that I don't wear, old pair of sandals, old winter jacket....... and so on. Its just easier sometimes for me to put things away rather than getting rid of them. Its just in case that I would need them... I don't have any problems to get rid of things once I put myself into it, which happen from time to time. I am not a terrible hoarder, just a sweet nice one. Now, my apartment is more organize, and for the small space I have, that was important to do. 

I also got some new furniture and other stuff for my apartment. I had been living there for a really long time now and I never really spent money to get nice stuff. I bough a nice night table to replace the ugly plastic table I had and that I cannot see anymore. But see my problem, I didn't get rid of the ugly plastic table yet, I just slide it against the wall... I got to throw it away. I got a nice living room kind of chair that fit in my small apartment. I taught about a chair rather than a couch. And I also got a new kitchen table chair that is really comfortable. 

In Montreal, Ikea is located far away in the wood. I never went to Montreal Ikea. I lately located a nice furniture store downtown Montreal on René-Levesque: Structube. They have really nice pieces of furniture at a reasonable price. Structube offer delivery at $70 - which I had. And I had been delivered my furnitures in time and in good condition in very big boxes. I got this dining room chair - its the most comfortable chair ever. My nightstand kind of look like this but not exactly - it has one upper drawer but below is empty. It has the same white color and finish. I also got this armchair, in black. This recliner is really nice and comfortable for this old lady and not too heavy. I wanted light furniture, nothing too heavy. And best of all, the delivery guys where not ugly at all to look at ;-)

Saying a sad goodbye Exchange Income Corporation (EIF). Goodbye love

Things are going a bit better for my non-registered portfolio. It closed today session at $175 042.78. My TFSA portfolio closed the session at $58 782.28. Today, I made the difficult decision to sell all of the Exchange Income Corporation (EIF) stocks I was holding inside my TFSA. I had been a long time investors of EIF and my shares had been bought at an average of $22.84 each, which is very good. I sell them all today and make a nice profit free of tax, but it wasn't with joy that I made this move. When it come to investing, I am more in an investing kind of move and I want to grow old holding on to the best of the best. The TSX is a castle with huge treasures.

However, my adventure with EIF came to an end because an American - oh surprise! - piece of shit of the name of Marc Cohodes is short selling Exchange Income Corporation (EIF). This could exposed EIF investors to big loses. Short selling should be made illegal. And I am imploring God and his darkest angels to throw all of the worst at Marc Cohodes. He might thing he's really smart guy now, but my attacking one of my stock, Marc Cohodes had just wake up a wolf who was quietly sleeping. There's no words to describe my anger. I was supposed to grow old on EIF, not sell it out. I hate that Marc Cohodes guy.

The TSX is the best stock market of the world and I can say so because I did my searches. When I invest, I try to target stock that present sky rocking chart. I did many searches using Stockopedia, desperately trying to find US stocks presenting such criteria and I can really say that the quality is really low in the US market. I was able to find only just a few US stocks sticking to my rule but I didn't even wrote them down. US is a big lack of stability and I don't want more exposure to chaotic US stock market at this time. Especially not under Donald Trump which is acting crazier and crazier every day. I came from fan to hater. I just wonder what happen next and I can't wait to see if Donald Trump Junior is going to hit a wall and go to prison. But in a place like the US, mediocrity is the norm. We can expect anything coming from Americans.

The TSX is no shit hold made for US investors. Its my place to be and shine. Anyone that hurt one of my babies can go straight to hell. And I wish hell for Marc Cohodes and a lot of pain. Pain so great that will make him remember that the TSX is not a playground. And I want him to feel my pain. I would like to be next to him right now so I can hit him sooooooo harddddddddd, for destroying my dream. Just stay on your side of the border, and I will stay on mine, on the BEST side. Not only that we have the best stock market, but Canadians are just so more smarter than Americans. On our 150th anniversary, we should scream it louder.

Small investors like myself have no choice. I went through some kind of similar experiences in the past, like for example in the case of Davis + Henderson Corporation (DH) . I only have that other example in mind right now. Retail investors always need to act quickly and when something like this show up, its sad, but its better to sell and profit from the gain because investor like Cohodes can really hurt the value of a stock, like really really badly. And I think that in the case of EIF, Cohodes had made and will make more damage to the value of the stock. Its my opinion and what had made me sell EIF today, but I really hope that my wrong. I was kind of doing in my pants today! I won't forget.

This being all said, no surprise, but this came sooner than I expect it: Bank of Canada is doing its job and is increasing interest rate. Party time is over. I am totally in favor of such action. Low interest rate is not a good thing in our economy. 

A reader just recently comment about the situation for Savaria Corporation (SIS), saying it went lower recently. Personally, I wouldn't worry about it, I won't sell my SIS just for a bit of volatility. A stock cannot always go up, it will sometimes go a bit down, its totally normal. Its the life on the market, sometimes the market go up, sometimes it go down, always for whatever reasons, but at the end, quality stocks always delivered. And nothing is wrong with SIS. If you are scared, you can always partly sell your position. There's currently no tangible adversity when it come to SIS. But for EIF, its a different story of course.

Imagine that because of my sell of EIF today, I now have close to 8k in fresh cold cash, all at my disposal to do whatever I want. I could pay off my big fat margin which is currently at $98 500, but still manageable. No very super great stock ideas at the present time, but I was thinking about pitching in Canadian Imperial Bank Of Commerce (CM) and enjoy some easy dividend. Since interest rates are going now up, banks are going to make great juicy profit, maybe 2017 will be a record year.

So let's go CM, be my newest proud. Get me in gorgeous profit and dividend like never before. Throw me out my chair and take me.

 (!)

While facing adversity, the worst thing you can do is to do nothing and die.

Disastrous time for my non-registered portfolio

Jazz Festival in Montreal came to end. And this Saturday was really jam packed like I never saw it before. It was even hard just to stand there on my two feet and breath. I didn't know the artist but he's probably really popular.... Its sad that the Jazz Festival is already over because the best of Montreal summer is already gone with the wind and we are not getting a very nice summer when it come to the weather. So far, its been chitty just like the stock market. This being said, today was the perfect summer day in Montreal with wind blowing me up - but its just hard to have 2 days of good weather in a row. Its like our whole environment is very disturb. Anyhow, I prefer this kind of summer rather than too hot weather because I have problem standing the heat.

My poor non-registered portfolio closed Friday session at $174 164.14. Despite the fact that its down of a couple thousands, I see good things going on. One of my latest investment, CAE Inc., is up by 0.33% (not a lot, but its still a gain). I prefer not to talk about HCG, but its not going well for me on that investment. Another latest investment, WSP Global Inc. (WSP) is up of 4.08%, that's really good. And other older investments are doing well too. 

But for how long?

And what about a bit of Crius Energy Trust (KWH.UN) for my portfolio?

Right now, I am such a sucker. My very beautiful non-registered portfolio closed down at $174 421.13. My TFSA at... $58 616.14, when it should clearly be at 60k. Its getting bloody and I am full of rage. I really hate it when the stock market play it dirty dance on me. But it doesn't keep me from wanting more, just like if I would be a xxx dominatrix who really enjoy it. I have right now the oh so perfect song for this perfect moment!

Remember Gargage? I used to really like this song. And its video. Back in the 90s, Shirley Manson was the grunge princess. And today, I am taking the lead by being a very dirty garbage dividend girl.

Right now, while listening to Garbage Push it song on and on and on, I am all eyes on Crius Energy Trust (KWH.UN) who's been announcing an increase of 2% of their dividend distribution. Stockopedia is currently of no help to tell me if this baby worth it or not. Is Crius Energy Trust (KWH.UN) a garbage investment? I truly don't know. But the $0.8043 annual dividend is of somewhat really appealing. And I cannot help myself. I cannot control the appeal of money. I am so extremely sorry.

Justice for Omar Khadr is being made in Canada. Long life to Omar Khadr

10.5 millions coming from Canadians tax money is going in Omar Khadr and I am really happy about it. Justice is being made. 

If I would had been a child soldier like Omar Khadr, I would had killed Americans and I would had killed many of them. We'll never know for sure if Omar killed Tabitha Speer husband, but one thing is for sure and is true, soldiers die at war. Its their ultimate duty. But it seem that the poor Tabitha Speer don't get that yet. Soldiers shouldn't enroll in the military if they want to live a long and happy life. If Americans are stupid enough to fight Muslims, its there very own problem. ISIS soldiers are among the more vicious of all because their heart if full of hate and anger. No one can defeat them. Their faith and anger, and their ultimate hunger make them the best soldiers which we cannot beat off even today. Their willingness to beat the enemy is unstoppable. I would like Omar Khadr to sue the US government for being incarcerated in Guantanamo Bay for so many years when he was only a child. A child soldier remains a child. The most courageous Canadian of all time is not even a real Canadian, he's a f Muslim! By her conduct, Tabitha Speer is not honoring her late husband. She's acting like a real bitchy American, with very low class. Shame on her. Its was Chris Speer role to die at war. It was his duty it was his turn to die. Just another soldier, like many of them who die at war. There's nothing wrong with his death.
 
We just celebrated Canada 150th birthday on July 1th and today July 4th, its celebration day in the USA. Despite those happy days, its not an easy thing to be on the stock market, its quite rough. I was hoping to hit on the 250k net worth by the end of 2017. Not that I want to be pessimist, but chances are that I probably won't be able to reach that goal, at least not in 2017. And its really alright. Its good to have money goal, but sometimes, circumstances make it impossible to reach those goals. Being almost 100% invested has its good and bad sides. One major problem is that whenever the stock market is acting difficult, well, the portfolio value go down. But one good thing is whenever the stock market go up, my income grow. And currently, there's a lot of volatility in the air. Its very hard to navigate this way, without direction, without any real sense of grow. I actually really dislike this current state of the stock market. Its not the first and last time I am going through such conditions, but I hate it. I really do. I enjoy myself when I am on top of my game, not when the stock market does its job in my hands if you see what I mean.

Ok, so today, the TSX closed the session at 15 130.661 points, leaving my non-registered portfolio at $175 885.60 and my TFSA portfolio at $59 322.66. My sexy big fat margin is at $98 540.78, leaving me a free little $17 205.10. My situation is not so bad, but I would like better data. Like right now, my non-registered portfolio got everything it take to be on the 180k value. But the TSX is not helping this bitch in any kind of way. 

Since its not clear if Home Capital Group Inc. (HCG) is paying or not a dividend, I actually removed it from my dividend sheet. In result, I am now at an average of $675.44. Good enough for now. With a margin usage of almost 100k, its time for me to slow it down a bit and pay down. I guess its the best thing I can do for now. My very sexy extreme emotional investment in HCG might not have been the greatest investment move ever - especially knowing I didn't sell when I could had made a couple hundred bucks. I bough at $17.20 - as soon as HCG don't go too low, I will be happy.

On the other side, some investments made lately had been doing very great, like for example WSP Global Inc. (WSP) is growing and enjoying its stay inside my non-registered portfolio.

Fact is, during desperate boring stock market, its the time to tight up the teeth to the dust like a dog and burn all the excess of energy in a way or the other. Its not anytime soon that I will accept defeat.

My dividend income is now close to the $700 per month

I visited another apartment this evening, but it was way too small and no balcony... I am trying to find a new apartment at a cheaper price than of what I am paying now, but its not actually working for now. And I don't want of an apartment that will cost me more than what I am paying now. Its all very complicated and Montreal if full of dirty rat holes.

In exactly 2 months from now, I will be turning 37. I am not exactly a young woman anymore, but I don't feel old. I don't think I look my age, or at least I wish so. Anyhow, I never saw a year going on so fast. Life goes on, and the stock market is not exactly cooperating. The TSX closed without real direction today. Nothing is going on like it should. Its all pretty mess up. 

My latest investment in Home Capital Group Inc. (HCG) took a bad trip today. Anyhow, I discovered that HCG actually pay a dividend. And I also notice just today that I totally forgot to add WSP dividend in my spreadsheet income. And I also forgot to add in the latest NFI dividend increased. All that together make a new annual dividend income of $8 305.28, or the equivalent of $692.11 per month. My $700 goal is just so close! It was a fantasy of mine to hit on the $700 dividend income. And its now about to happen - or should I say soon. 

From there, it will be easier for me to repay my big fat margin account. So watch out.