Oh no, its tax season AGAIN. Tax season for the Dividend Girl = Impôts Ici

I finished this day on a happy note with a good coffee glass - since I don't have anything fancier with the exception of a champagne glass look alike, but its in plastic - of sherry on my table desk simply because I was desperately searching for a USB key that I have a bunch of back up stuff on it, all of my bitch life is on that damn thing and I couldn't find it. Just at a time when I was feeling so miserable that I could jump out of the window - I magically find my key. What a release. I taught that maybe I had left it in my Dhawa Santa Maria room in Cuba since I had brought it with me ???... But the precious key was simply misplaced. I usually have a good memory, but sometimes, I misplace things like anybody else. Anyway, it allows me to do some cleaning with my stuff, even if everything is pretty much all set at this time. I must say that my papers and stuff are pretty much in good orders. I like to clean, clean, clean. I usually dedicated a good part of my Saturday cleaning and I only have a tiny little living space. Imagine me with a home. It would be horrible. And by the way, just saying, if you want to make me really happy, a bottle of good sherry will do the thing thank you. Once I hit $300 000 in net worth, I will buy a couple of nice stuff in crystal to drink my alcohol in it.

I am slowly getting ready for my tax declaration. If it happens that you are unfortunately living in Quebec province, you have no choice, your tax declaration needs to be completed in Quebec. I had the genius idea to complete my tax declaration in Ontario while working in Gatineau (such a smart idea!!), but that didn't work out... And I also tried to have my tax declaration done in New Brunswick while living in Montreal, but that didn't work out either. And you need to switch you medical card AND driver license to a Quebec driver one since you are now living in Quebec. Please just don't do like a lady I especially know. Its not easy to be living in Montreal, but if you live in Montreal, I have a super good address where you can have done your 2017 tax declaration at a very fair price: Impôts Ici. I had been going there for many many years now and they do a very good job with my tax declaration. Imagine, they manage all of my dividend tax papers, my capital gain and loses, employment papers....Impôts Ici had always worked very hard for me because in the past years I can tell you, I worked at multiple jobs at the same time, I used to be self-employed too at the same time... ohhh papers, papers, f papers!

Impôts Ici is really the place to go for your tax declaration and I am saying it really honestly. I am not receiving a penny for saying about all the good work they did for me. They have enough of having to handle my too many papers. Their services are much more honest than H&R Block. Many years ago, only because I was self-employed, I have to pay close to $400 to H&R Block to have my tax declaration done. It was very expensive for the simple reason that I was self-employed. That year, I had made $35 000 only! I complained, received a call from a Quebec office somewhere and the lady at the phone was really upset at me because I had placed a complain. I never received any compensation and I never used H&R Block tax declaration ever again and I will never visit a H&R Block office ever again. When that incident happens, especially because of the call I received from them was really offensive, they had lost a customer for a lifetime. Don't ever go to an H&R Block office anyway because its a business that is based in the US. And right now, I am trying to stop consume anything coming from the USA.

Lately, I was under the impression and I was REALLY hoping to see my TSX hitting the 15 800 points soon enough. I was going to be on top of my game again! I was going to shine like never before..... but no way! Take that Dividend Girl, and go to hell and burn. Burn baby burn. And its really burning. The TSX is not the place to be if you are a nervous person or if, worst, you are the type of individual who easily suffer from anxiety. I am in a position where I don't care anymore. Maybe because I am drunk? lol

So much fun, it's unbelievable. I am actually always hoping for the best no matter what, its the only way to survive. Following my reading of Susan Brunner latest Bombardier cover, I decided to sell the Bombardier Inc. (BBD.B) stocks that I was holding inside my TFSA. I was lucky, I was able to sell my Bombardier stocks at $4.14 per share and I generate a little profit. I am better off without Bombardier. Just a friendly advice: when Susan Brunner writes a negative review about a stock, you are better to sell asap. Earlier in 2017, I have held on to a small investment in Dollarama Inc. (DOL), I had bought my shares at $139.18, and I later sell them at $149 when I read Susan bad review about DOL. And I am happy that I sell at that time, because DOL is not that of a solid stock. Overall, 2017 had been a good year for me. After all, its the year when for the first time I reached $200 000 in net worth.

So far 2018 is not easy, but I personally think that Trump won't be around for really long and it should get better soon enough. It fell like Donal Trump is breaking our back into every single corner. It's annoying. And all possibility of recovery is being destroyed by his willingness to make America first. Should we never forget all the damaged the USA is doing to the world.

I didn't forget my post about contribution in kind for TFSA - should come soon.

This is exactly why you need to be passionate when it comes to dividend investment

Today was the budget federal day. Nothing spectacular. Its just pretty obvious now that Justin Trudeau is about ruined us, like if it wouldn't be enough that we had to see him and his family acting like stupid clowns in India... Justin Trudeau is acting like a child. He's such a stupid jerk. That's what happen Canadians when you elect a Quebecker as Prime Minister. Shame, shame, and shame. Not really smart. This 2018 federal budget is not spectacular and nothing is being done to protect us from a very massive deficit. I don't dislike Justin Trudeau anymore, I hate him.

My dividend income just keeps growing. My annual dividend income, excluding RRSP like always, is now at $8 363.04, almost the equivalent of $700 per month. It feels good to be back there. In the past couple months, many of my investment stocks had increased their dividend: ATCO Ltd. (ACO.Y) went from an annual dividend of $1.31 to $1.50; Canadian Utilities Limited (CU) went from $1.43 to $1.57; Enbridge Inc. (ENB) from $2.44 to $2.68; Enbridge Income Fund Holdings Inc. (ENF) from $2.05 to $2.25; iShares S&P/TSX Capped REIT Index (XRE) from $0.80 to $0.81; Methanex Corporation (MX) from $1.20 to $1.32; Northland Power Inc. (NPI) from $1.08 to $1.20; Canadian Imperial Bank Of Commerce (CM) from $5.20 to $5.32; National Bank of Canada (NA) from $2.32 to $2.40.

And today, Bank of Nova Scotia (BNS) increased its annual dividend from $3.16 to $3.28. BMO Bank of Montreal (BMO) also increased its dividend today, from $3.60 to $3.72, and during that time, the TSX closed today session at 15 671.15 points.

My US stocks KO also increased its dividend. 

Do I really need to go deeper and explain why dividend investing is the hottest thing ever? Things are exactly like Derek Foster explain in his books: over time, good companies increased their dividend distribution.

Susan Brunner reviewed one of my latest investment, Bombardier Inc. (BBD.B). I never expected to hold on to Bombardier for a really long time. I am going what I like to call a quick hit-and-run investment: I will sell soon at profit. It's not the first time that I am investing in BBD.B. Int he past, I also sell off at profit some Bombardier shares. This company is not well managed enough to be considered as a serious investment for the long run. Right now, me and Bombardier, its strictly play time to satisfy my taste for self-satisfaction. 

I didn't forget about my TFSA contribution in kind post - its just I had some announcements to make today regarding my dividend income.

My newest best stock, watch out for Bombardier Inc. (BBD.B)

Things are getting better. My non-registered portfolio closed today session at $184 539.61, which is now exceeding its old value of my last portfolio update on December 30 of last year ($184 121.21). Its almost like I lost the past 2 months at doing at all, but its now it goes on the market.

Back in January 2014, if you would had told me that I was going to hold on to some dirty Bombardier stocks in my TFSA, I would had wanted to very aggressively punch you in the stomach like if you'll be a bag of potatoes. But hey, everything can happen! And girls you taught were good can turn out to be pretty bad, you just can't really know. I had invested in Bombardier Inc. (BBD.B) in January of this year. And the beast is just really happy that she did so. Am I the best or what? Bombardier is happily shining, exceeding the $4 per share... Its quite unbelievable, this dirty Bombardier is gaining some value. In the years that I had been holding on to the TSX, I had seen it all. Dirty dirt stocks turning into gold and gold stocks turning into next to nothing at all.

I was really happy today when my love decided to quick some ass and hit on the 15 700 points. Let's go TSX. I know you can go back to the old 16 000 points.

I made my really latest investment back in February 15, and currently, even my Canadian Real Estate Investment Trust (REF.UN) investment decided to close today session on a 1.22% gains. My TFSA portfolio closed at $63 683.994, and my RRSP portfolio - stocks only - closed at $37 240.87. Nutrien Ltd. (NTR) is doing better, as well as PKI.

One thing I should had done earlier this year is my TFSA contribution. Its a shame, I know, but I am so XL fat on my margin that I don't want to make moves putting me at risk. My idea was to make a contribution in kind, but because I went to Cuba and before that I was again on my Christmas vacation... time pass by to quickly and I wanted to put some money aside before making my move. I am thinking about making my TFSA contribution sometime next week. I am going to put at least a good thousand on my margin before making my contribution in kind over my TFSA. 

Inside my non-registered, I hold on to some National Bank stocks, so I was thinking about switching those stocks into my TFSA.

I am going to make a special post on TFSA contribution in kind since I am now a specialist. After that, contribution in kind will have no secrets for you. Until then, good luck, you'll need some as much as I do.

Nutrien Ltd. (NTR) finally declared its really first dividend and jumped in profit: go go go!

Things are slowly getting better. I now estimated my net worth to be sitting around $208 000. My dividend income is now at an annual $8 332.12 - that amount exclude dividend earns inside my RRSP account. Not a bad way to start the year 2018. 

My non-registered portfolio closed today session at $183 301.96 , my TFSA at $62 951.04, and my RRSP at $36 642.24. At a point today, the TSX reached the 15 600 points, and it felt good to see that we were evolving over the 15 500 points. Recovery is on its way. Its better to have a slow recovery rather than going to the old 16 000+ points overnight. In order to be a healthy place to be, the TSX needs to be the way I like it: gentle, nice and stable. Volatility sometimes hit hard, but capitalist remains, no matter what. And markets always recovered, no matter what. This year mark my 10th anniversary on the stock market. Its not yet a very long history, but on the stock market 10 years is f long. I know for sure that this world is unfair and unbalanced, and money is king of it. Markets had always and will always recovered from any type of volatility. But in my taste, I find that the TSX is the most stable market of the world. I currently estimated my net worth to be in the $208 000.

The stock market is a rough place to be, but you get use to it. A crash happen earlier this month, and I am really proud to say that this time, its the first time ever that I am facing major loses, I watched my TSX love losing some valuable BUT its the first time ever in my life that I don't feel any stress at all. It took me 10 years to become totally indifferent to the stock market volatility. If you are a new investor, I am just praying for you that it won't take you that long... Being invested on the stock market involved a lot a pain, and its sometimes not enjoyable at all. Like for example, just a few days ago, my net worth was something of about only $195 000. The jump from 195k to 208k wouldn't had been possible if I would had panicked and sell all my assets.

Agrium has ALWAYS been a super good investment, way better investment than Nutrien Ltd. (NTR), but unfortunately, Agrium and Potash are now the same company under NTR. I never experienced great capital gains by holding on to Nutrien Ltd. (NTR) so far. Today, a great news help me to save my beautiful face from failure: NTR declared its first dividend - it was about time - and by the same occasion, the title gains 5.01%.

THANK YOU GOD.

I love my baby stocks with so much love, failure is impossible.

Welcome in my non-registered portfolio Canadian Real Estate Investment Trust (REF.UN)!

Hola dear readers! I just came back this week from a trip to Dhawa Santa Maria in Cuba. I had a nice time, the weather was perfect and I came back with a nice beach tan. And prior to that, my mom came to visit, and she's currently still with me. While I was away, things had been quite rough on the TSX. This was predictable, especially knowing that we haven't came to anything positive when it comes to NAFTA. Its quite strange because both the TSX and the US stock market went down about the same time. Anyhow, it felt good today to see the TSX reached the 15 407.66 points. We are still about 600 points behind of where we used to be at before the recent stock crash.

I was checking on my portfolio situation yesterday, and I estimated my net worth to be in the $195 000, instead of the $220k+... Its too bad, but one thing that you need to remember is that super huge gains usually announced a market correction - but you never know when exactly that correction is going to happen. Corrections like this one are very hard to take, its never fun to see your portfolio going down so quickly like that almost overnight. But its part of the game. This is what the stock market is all about. Its difficult to understand, but corrections are not necessarily a bad thing. Its usually being view as being healthy. All this to say: you cannot invest in stocks if you are not willing to accept that the stock markets are volatile and the volatility will, at a point, bring you down.

I am currently down of a couple thousands, but I accept it. For now, with today encouraging TSX gains, I am under the impression that a recovery is under its way. Today was an exciting day for the Canadian stock market. Choice Properties Real Estate Investment Trust is going to buy Canadian Real Estate Investment Trust (REF.UN). By going so, Choice Properties will become the biggest Canadian REIT business. At the announcement of this great news, REF.UN gains a lot in value. I wait to see what was going to happen next and luckily enough, the title went down and I was able to place an order at $49.37. I am currently experiencing a gain of close to 3% on Canadian Real Estate Investment Trust (REF.UN). 

Its quite good to have a little bit of good going on in this chaotic situation.

Oh no, the TSX is now under the 16 000 points!

2017 had been a fantastic year for your favorite investor. I hit on the 200k net worth and even exceed the $220 000 net worth actually. But now, it seem like I am paying back on my year of glorious investment. 2017 was an extra special year: Canada celebrated its 150 years and for the first time ever I got my precious hands on a $200 000 net worth. Currently, I am exhausted, not because of the stock market, but the suck weather probably work against me, and I don't get enough sleep on weekdays. In result, I am feeling tired, days at work are long and too well full. However, no worries, I am slowly getting ready for my trip to Cuba. I had spend a bit of money on a few clothes. Its too hard to go on a vacation without actually buying nothing new for the wardrobe. I end up buying for $274.79. I am doing my best to control my spending, but its not easy. I had the chance to be quite busy at work, so I got extra money to pay down those extra expenses, and I am also waiting for a little something from Google next month. I am such a lucky girl, but I would like my stock market to treat me the same way please.

Fortunately enough, I have nothing plan for the month of March, so I will do my best to maximize my savings. For the upcoming year, I can now work from home 2 days a week. It make it easier to spend less, at least 2 days on weekdays.

Its heartbreaking to see my be love TSX sliding down under the 16 000 points. Everything was not really great these days, but things were stable at least. Anyhow, my non-registered closed today session at $184 055.64, my TFSA portfolio at $63 578.75, and RRSP, at $37 863.59. A little volatility is always a good kick in the ass: no, you are not as hot as you taught, and you may want to save more money to invest if you want to survive. I personally know a girl to which both of those type of things applied to. However, I am not doing bad either way because some of my stocks are super strong and they are the foundation of my rock. Its been a while since I haven't been disturbed by volatility on the TSX. The stock market is not a place to stay at ease.

I just don't understand really why the TSX is going down. The thing is alive and just want to shake. Go ahead little TSX. Please destroy me.

Hot super stocks of the moment: Aphria Inc. (APH) and Bombardier Inc. (BBD.B)

Bombardier Inc. (BBD.B) didn't closed the day at $4 per share, but at $3.60, with a gain of 1.69%, BBD.B stocks are not going no where. There's here a small, but there's progression. Its going to be interesting to see in the next couple weeks in which direction the title will hit, high or low. Its nice to bet a small amount of money on this one - but nothing much. At the current time, Bombardier Inc. is not a real investment for serious investors. At this time, BBD.B is more on gambling side than on the investing style.

Talking gambling, my Aphria Inc. (APH) stocks are - like usual - super volatile!!!

But I don't understand, APH stocks went down today, despite very good news. And it kind of make me laugh because the weed business really seem to be international! Other than for medical purposes, I don't understand why an individual would actually smoke weed. Canada is making a really wrong move by legalizing a recreational use of marijuana. Its quite disgusting. When you are in good health, you should look forward to preserve your gift of life and your good judgement. Because its the foundation of everything, and I wouldn't have a $221 000 net worth of my really own if I would had worked at destroying my very perfect judgement by smoking weed, smoking cigarettes, or even by drinking. Tobacco and alcohol are two major problems that we have to deal with everyday, why is our good government is adding more to madness?

Personally, I would like a strong government who's really into protecting the rights and health of the citizens. But we cannot expect much from Justin Trudeau, who came born Quebecker and who's own mother was pretty much an addict herself. Justin Trudeau is nothing more than an illustration of where he's coming from. I already told you, you should really not ever ever trust Quebeckers. Not only do they have very low level of judgement, but once they take leadership, like Justin Trudeau, they truly become a threat to the well being of the very good Canadians.

Story short, Aphria Inc. (APH) wants to do business with Nuuvera (NUU). NUU is currently doing business in Europe, Africa and the Middle East... Middle East, really? Anyhow, its not that I am really impress by all this weed. I first invested in APH because of its involvement in the medicinal marijuana. Weed is a drug, but use wisely, it can help others who are living with trauma, including individuals living with cystic fibrosis, among others.

I will never be in favor of the legislation of marijuana. Federal government should be doing everything that its in its control to protect citizens, not to open the doors to even more debauchery and drugs. Justin Trudeau will die in hell at the end of his life for doing this to the braves of braves.

Weak leader, weak country.

Another poor man, another Quebecker only deserve the same end: Patrick Isaac. Its kind of sad that some individuals believe that to have a relationship with God, you need to give money away to a fuck up guru. We are already paying from our life the price of our existence and the rest is all God who owns our payers to make us only glamorous and rich if wanted. Its a one-per-one relationship, nothing else. People are so obsess with money and success that its killing all of their good judgement. Remember: at the end of the day, you need to keep track of all of your living expenses and that absolutely exclude any religious donations. 

Religious donations are not needed in any way because God is inside every inch of you and no place else. Religious gurus are not needed. Anyone who represent himself or herself as a servant of God, just run away from them. Dedication to religion before human being is a sign of weakness. Its easier to live a life dedicated to God - rather than dealing with everyday shit.

When you are a sexy smart ass, you don't give away your money for free and for to no one, whatever the reason is. And especially not to ANY Quebeckers. That's being a smart ass dear Canadian readers.

And now, the question you need to ask yourself: are you, like the Dividend Girl, a smart ass?

Welcome in my TFSA portfolio Bombardier Inc. (BBD.B)

Only 3 days left to the month of January. For this month, my expenses were of $1 458.15, which is quite good. I like to keep my receipts, and I write down the amounts spend in my agenda on a daily basis. I find it help me to cut off my expenses. Its actually help a lot. Another trick is not to buy any new clothes. The only extra expense I did this month was to get a hair cut. I was planned for getting an hair cut only on March 31, but I couldn't stand myself anymore. I have long hair, but when they get below down the shoulders, I just can't stand myself. So rather than cutting them myself, I decided it was wiser to pay a visit to the hair dresser. And so did I, and I feel better. In result, I should be able to find easily my next investment, and of course, so I did.

Its actually nothing new, I wrote about this one in the past, but I am now thinking more seriously about investing in Rogers Communications Inc. (RCI.B). Rogers Communication offer an interesting dividend and the company make good money, so why not. RCI.B is a pretty good stock pick. Its getting harder and harder to pick some new stocks for my portfolio because I already have so many of them... This investment portfolio of mine is getting XXL.

For many years, I had been holding to some Agrium stocks inside my non-registered portfolio. Agrium seems to be a lot better than Potash, so I stick to Agrium stocks only and I ever invested in Potash because Agrium seem to be much better... And I was right all the way of course. I had made fantastic capital gain on AGU, everything was perfect... until Agrium announced its merger with Potash. The two companies are now known as Nutrien Ltd (NTR). Unfortunately, NTR is not as powerful as Agrium was when it was standing alone. I lost some great value inside my portfolio because of this new business situation for Agrium. In the immediate time, I don't think that NTR can anytime catch up the old value and success that Agrium had. Its just really disappointing. And just to make things worst, I didn't find any info yet regarding NTR dividend. I have no idea of how much the dividend yield will be. I like stocks that bring capital gains in the house and Nutrien Ltd is just there yet. 

I had less than $500 available in my TFSA account to invest and this past Friday, I decided to quickly invest in Bombardier Inc. (BBD.B). Now that the CSeries can be sell in the US, everything is now possible for BBD.B stocks - It could, why not... reach the $5 per stock.... Which is ridiculous in a way, because its nothing substantial, $5 per stock... But I like to play sometimes and I am willing to risk, but only a cute tiny amount of cold fresh cash into Bombardier, and only for my benefit. I hope for a quick hit-and-sell move. Can Bombardier reached the $4 per stock Monday morning?

YES, please.

Éliane Gamache Latourelle: from rich to poor, another little Quebecker liar

Instead of My first $50 000, I should had name my blog My first $500 000, because in my eyes, real richness begin on a rock of 500k, but got to start somewhere I guess. Money mean so much in our modern society that people can easily go crazy and lie regarding their financial situation. Its certainly not an easy thing to build a portfolio, its what I write most of the time, and on how to save money. Both investing and saving money are not simple tasks. Building strong asset is the work of a life time. It take willingness to proceed, and even more than that. You need to be quite of a special bitch.

Today, I was ready this really sad story in La Presse. A Quebecker of the name of  Éliane Gamache Latourelle was making a living on the back of poor entrepreneur, asking $5 000 for a year of coaching which seem like was going no where and wasn't really rewarding for people who subscribed. After a little while, Latourelle twisted game was to have her students invest in companies owned by her... She had wrote two books in which she described how she reached 1 million asset before she turned 30. But fact is, Éliane Gamache Latourelle, proud Quebecker, is dead poor, and doesn't have a penny at her own. 

Its a sad story, but Éliane Gamache Latourelle is just another Quebecker who has no head on her shoulders. Quebec province is full of those little insects.

Looking for investment ideas and ways to save money? Stay right here baby. You are so on the best place to be right now and best of all, ALL MY SHIT IS FREE. ALL OF it, at the exception of course of my body, which would cost too much, so you can't no way really afford.

Lucky lucky lucky you.

Currently, the TSX is a boring place to be, I am all light up, but I don't feel any joy or deep excitement inside. I currently have a left over close to $500 cash inside my TFSA. Its just a matter of where to place my money. One of my latest investment in BMO Bank of Montreal had performed quite well. I can at least be happy about that...

What I really need right is to find THE STOCK that will turn be on and bring the excitement back in my life. And to so I will pray God and all His little angels and I will check on a bit more on Stockopedia.

Please God help me.

These days, Donald Trump turn me on

Its hard to say where I actually stand with it comes to Donald Trump because sometimes, I can get really upset at him, and other times, Donald Trump is my hero. What I admire in Donald Trump is mostly hos family values. He doesn't give a damn of what people think and he doesn't hesitate to put some close family members in his political surrounding - and that's something super fresh and arrogant but no else seem to really care. In other words: Donald Trump can do whatever he wants, no one can certainly stop him!

I also like Donald Trump very strong political views: I like the idea of blocking some immigrants coming from terrorist countries to go visit the USA. Its a brave decision, and need to remain. We should be doing the same in Canada. Anytime someone from an Islamic terrorist country visit a democratic one, there's a risk. Why should we risk anything for others? Muslims should remain between them. Even better, Muslims should be ban from Canada. I don't like seeing Muslims people around me and I don't like to see young girls wear a veil, its an act of pure oppression and here in Canada, young women shouldn't be allow to wear veils. Here in Canada, we are not brave enough to discuss real problems. And Muslims are a problem that we have to deal with now because we had welcomes those immigrants we shouldn't have.

I love Donald Trump because he's a hard leader. I love Donald Trump he speaks. When he said that Haiti is a shit country, Haiti is a shit country. But no else has the courage to say so. Industrial countries have a lot of money to Haiti but because corruption and poor quality leaders of the like of Michaëlle Jean who are good at spending big money big time rather than focusing on solution - because of poor Haiti leaders like Michaëlle Jean, all the money we give to Haiti goes up to nothing at all. No one should get upside when Donald Trump only say the cold hard true. Because at the end, we are the ones who have to deal with those Haitian immigrants.

I like Donald Trump because he's simply to afraid to break outsiders, and market agreements. And he makes sure that absolutely everything serve the interest of the US, no no one else. I like Donald Trump because he's selfish, and absolutely don't care of the opinion of others. And he's about to shake up things so deeply that at the end, the US will get only richer.

Donald Trump is only a strange - but positive role leader. NAFTA could go on and off, even me, I am totally blindness, I have no intuitions on what is going to open what so ever. I am like Trump, completely dead inside.

I love you Donald Trump, and you save NAFTA, I am willing to reward you mister with a massage.