Welcome in my USA portfolio General Mills Inc. (GIS)

I was wrong! Derek Foster doesn't have 7 kids. With his newborn, which I wasn't able to learn if its a baby girl or baby boy, Derek Foster has now 8 kids! WOW! That's a courageous man! It must be hard, all that laundry, cleaning, cooking, homework, changing diapers, grocery shopping.... It's not only that... Those kids had to born. I just can't imagine myself giving birth. Nothing can beat that type of bravery. Mrs. Foster is a strong woman. The stock market is a little shit compare to such a big family life. Now we can understand why Derek Foster didn't publish any new book in a too long time now! Anyhow, you have to take whatever Derek Foster is willing to give us, poor investors. And currently, that being Enbridge Inc. (ENB) and General Mills Inc. (GIS).

Go go go! :-)

Today, I made my move in General Mills Inc. (GIS). Since its a Derek Foster stock I taught why not? Being a dad for the 8th time can only bring good luck. It's currently really difficult right now on the stock market. It seems like the trouble is at no end. My non-registered portfolio didn't stay on its $190 000 value - its highest ever - for really long. Today, my non-registered portfolio closed the session at $186 710.68, my TFSA portfolio at $63 014.34 and my RRSP portfolio (stocks only) at $37 299.25. This is what happens when the TSX slide and hit down to the 15 216.18 points. The TSX is a no man land. It's going nowhere these days. I just can dream of my $300 000 net worth. Anyhow, in the meantime, my latest investment in my TFSA portfolio, Enbridge Inc. (ENB) make some gains.

On this election year, Quebec budget seems to be really generous to Quebeckers.

I don't where we are going to hit next in term of return on the stock market, but I no longer care. I am tired and I know I am due for a little Easter vacation.

Welcome in my TFSA portfolio Enbridge Inc. (ENB)!

Easter is coming in a hurry and in the meantime, we had learned about one of Donald Trump affairs. Just like Bill Clinton before him, I believe that Trump is lying in the face of a desperate US nation.

On a happier note, Derek Foster announced today that his wife just gave birth... If I am correct, Derek Foster now has... 7 kids!!!! I was under the impression that his family was completed, he had a baby girl a couple of years ago... but I guess not. Also today, Derek announced that he made a new US investment in General Mills Inc. (GIS). This is just coming at a perfect time. Remember that I sold my Coca-Cola shares not too long ago? Well, I am going blind in the US stock market. I am probably going to invest in some General Mills Inc. (GIS) stocks.

I finally invested in Enbridge Inc. (ENB) today inside my TFSA account. I made only a small investment. It's quite hard to invest in ENB right now when the stock seems to only go down. For that reason, I only made a small investment. I didn't want to invest more. I am not super excited about this new investment, but during that time, Premium Brands Holdings Corporation (PBH) is making me proud. PBH closed today at its highest value ever: $117.08 per share! In result, my non-registered portfolio closed today session at $188 164.68. Not too bad. Just imagine how things are going to turn super great for me once the TSX hit back its old 15 600 points.....

 

Like Derek Foster, I am going to invest again in Enbridge Inc. (ENB)

Today was quite an extraordinary day for Premium Brands Holdings Corporation (PBH). PBH closed at its really highest value ever: $114.95 per share. It's now official, I am by far exceeding the 50k value in one single stock. I actually have enough to buy cash a little house in New Brunswick with my investment in Premium Brands Holdings Corporation (PBH) alone. But the best news is yet to come: my non-registered portfolio closed today session at its also highest value ever registered: $190 512.77. Its quite an event in my journey, especially knowing who badly I wanted to hold on to a $190 000 non-registered portfolio. Its now officially thing done in date of today. We'll have to see if I can possibly remain there. From now on, the next step is to reach the $200 000 value inside my non-registered portfolio - and that being without using any margin money. From now on, I am going to be a really good girl.

On this extraordinary day, my TFSA portfolio closed today session at $64 376.06, my RRSP portfolio (stocks only) at $38 175.78, and my US portfolio at $3 157.38. 

Also today, I sell all of my Coca-Cola Company (The) (KO). This is leaving me with brand new US dollars.

My tax declaration is also a dirty thing that is now officially done and completed. I have no tax to pay-back to Mr. Trudeau. I quite please. I am actually waiting to receive a small return from the federal and provincial - enough to cover the expenses from my next time in New Brunswick. Its quite greatly needed as I am running tight on cash, and that being only because I am doing the best I can to save max money for my next investment.

Yesterday, I explained that Derek Foster had posted in his newsletter, all fresh of yesterday, that he had purchased stocks of  Enbridge Inc. (ENB). I already have ENB in my portfolio. But I kept thinking of this and I told myself: if THE Derek Foster that highly participated in the fact that I am now on a 200k+ net worth, well, I taught that it may be time to WAKE UP GIRL, and invest, like Derek Foster, in some Enbridge Inc. (ENB) stocks.  

After a while, its just getting harder and harder to find a new stock to invest in. And investing in a stock that I already own is not a bad thing. I had so much success in the past by investing in Derek Foster stocks that I taught today that I should turn my back on the poor guy. What was I thinking??!!!

I own a pick chuck of my current net worth to Derek Foster and fact is, I own the presence of Premium Brands Holdings Corporation (PBH) inside my non-registered portfolio to Jean-François Tardif. Its the only stock that I bought after finding somewhere on the Web that he was suggesting this stock as an investment, he had posted a good review. And that had been many many years ago. Ever since, Jean-François Tardif retired, get back in the game and open his JFT Strategies Fund (JFS.UN). The fund had been successful in its first year, giving even an dividend to its investors, for for the past couple years, I decided to sell my JFS.UN units because it was going no where. And still, on date of today, the JFT Strategies Fund is going nowhere. What happens to my old master? Jean-François Tardif is just the shadow of what he used to be. His JFT Strategies Fund (JFS.UN) is not registering any grow. Its like I am a much better investor than Jean-François Tardif now!

What happens to him? Well, my idea of that is that Jean-François Tardif has better things to do rather than being the best, and he's having too many relationships with too many mistresses. SLOW DOWN mister.

So I am going to invest again in Enbridge Inc. (ENB) stocks and I just hope for Jean-François Tardif that he'll learn to do better in a close future.

At least, Derek Foster is still on the right side of the game, and that being for my only benefit and yours, if you want too.

THANK YOU GOD FOR GIVING ME DEREK FOSTER.

AND OF COURSE JEAN-FRANCOIS TARDIF TOO OK.

:-)

Getting ready to say goodbye to Coca-Cola Company (The) (KO)

When I like a stock, I like a stock. PBH had been a major holder in my portfolio for already many years now. And today, I received a wonderful gift. Premium Brands Holdings Corporation (PBH) closed today session at $113.3 - its really highest value EVER. And I don't know if you are ready for this, but my non-registered closed today session at $189 227.04 - which is so super close to the so wanted $190 000 mark! I will only be in heaven when I finally be there.

In the meantime, I have a couple of things I am looking into. This week, my tax declaration 2017 will be done and completed. I will find out if I owe anything to the big Tax Man. If I don't have to give any more money away, I may go ahead with a TFSA contribution. It's about time, and I know its a shame, but I have 10k in contribution room available.

I am not really pleased with my Coca-Cola Company (The) (KO) US investment. I am thinking about selling that investment. I just had made enough in capital gains on this one to cover the commission fee sell... Also, I am currently on a diet (getting ready for the summer) and I found out that Coca-Cola, even in its diet products, contains aspartame. Aspartame is a substitute for sugar, but it could be can be a carcinogen. Even chewing gum contains aspartame. That shit appears to be a bit everywhere. Today was the day of the Francophonie. And to celebrate, if you are curious to learn more, I strongly recommend a book by French nutritionist Corinne Gouget Additifs alimentaires danger!

Vive le français! Miss dumb-dumb Michaëlle Jean who's an expert at spender money as head of the Organisation Internationale de la Francophonie didn't come with any revolution in defense of the francophonie and she's not a really strong leader. Her Majesty the Queen came along with a completely fuck up project: a $1 million luxury cruise. It will actually be useless, with no standing results. If the bitch has a million dollar at her disposal, she should be used it to create a scholarship fund, and give away that money to make a real difference in the life of French Haitian or Africans. Michaëlle Jean never came along with some realistic, really useful projects. The only thing she's good at is spending money, without meaning. She's the perfect example of super fresh immigrant and this is the perfect example on why we shouldn't accept immigrants in Canada. Sooner or later, they like to mess up with us. Michaëlle Jean is a shame to Canada. 

In his latest newsletter, Derek Foster announced today that he had invested in Enbridge Inc. (ENB). Nothing to be too excited about. It seem like I am really on my own when it comes to find a new super stock to invest in. I already own some ENB stocks in my portfolio and I try to go outside the oil sectors as new fantastic new stock investments. Currently, I am impressed by Parkland Fuel Corp (PKI). PKI had experiment a lot of volatility but in days like today, I am on a gain when it comes to PKI, so not too bad. Let's go PKI, make mommy proud.

Now, if only my Aphria Inc. (APH) stocks could gain value, my life would be extraordinary.

Ladies and gentlemen, my baby Premium Brands Holdings Corporation (PBH) is hitting hard in the woods

Let's go Premium Brands Holdings Corporation (PBH) and burn the house. Go go go!

I just published my first portfolio update for the year 2018. I usually only publish an update when I exceed the previously published portfolio. However, I did an exception today because I was really curious to find out about my current exact net worth. Back in December 2017, my net worth was of $221 989.65. I am currently on a net worth of $217 246.23, I am behind by -$4 743.42, which is not too bad. $221 989.65 was the highest value I ever reached. It's actually quite normal to be below the highest value at some point. I am confident that I will back on it soon. I am not getting any help from Donald Trump, that's for sure.

Donald Trump is causing a lot of stress to stock markets. It's really not an easy thing to be an investor under Trump administration. Its actually a living hell and our belove TSX is put under pressure.

This past Friday session was a good one. Those 15 711.33 points felt quite good. And even better, this past Friday, I saw my belove Premium Brands Holdings Corporation (PBH) hitting the $110.35 per stock. Knowing PBH is a big holder in my portfolio, I was in heaven. So damn lucky, like always. I will be actually a lot happier if now my precious Aphria Inc. (APH) stocks could simply hit back the $20 value. Right now I am not smoking weed, its weed who's burning me upside down. It seems to me like I am not asking that much. APH is super volatile and I belive it will eventually hit back the $20 per share value. In the meantime, it allows be to digest the shock and I am just really thankful that I didn't invest a too big amount on this one.

Following my last portfolio updates, I don't know if you have noticed, but I will help you out: my non-registered portfolio is at its highest value ever. At $187 654.72, its even exceeding its December 2017 value. And right now, there's just one thing that I want, its to get on the $190 000 value for my non-registered portfolio. However, I am in no rush, for several reasons: the TSX can go lower anytime, and I also don't have that much in cash right now, tooo bad.

Another interesting fact, its actually in March of last year that I was reaching my first $200k net worth.

Its unfortunate, but so far, 2018 is not a good year and I am probably not going to be on the $300 000 net worth anytime soon. I am just a very poor little girl.

My investment portfolio on date of March 16, 2018

Non registered Investments:

Cold cash: $2 820.76

Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.21
Bank of Nova Scotia (BNS): $9 986.13
Blue Note Mining Inc. (BLNMF): $0.52
Methanex Corporation (MX): $7 683.80
Fortis Inc. (FTS): $5 164.80
Pembina Pipeline Corporation (PPL): $24 906.60
Enbridge Income Fund Holdings Inc. (ENF): $10 699.17
Corby Distilleries Limited (CSW.A): $ 2612.25
Premium Brands Holdings Corporation (PBH): $51 432.10
iShares S&P/TSX Capped REIT Index (XRE): $2 516.36
New Flyer Industries Inc. (NFI): $6 201.36
TMX Group Inc. (X): $611.92
K-Bro Linen Inc. (KBL): $3 765
WesternOne Inc. (WEQ): $14.50
TransCanada Corp (TRP): $1 396.75
Canadian National Railway Co (CNR): $8 662.50
Enbridge Inc. (ENB): $1 155.84
Nutrien Ltd. (NTR): $6 622.86
Canadian Utilities Limited (CU): $1 417.50
Black Diamond Group Ltd (BDI): $63
Emera Inc. (EMA): $1 000
BCE Inc. (BCE): $1 241.68
Saputo Inc. (SAP): $1 649.20
Lassonde Inc. (LAS.A): $2 600
Loblaw Companies (L): $789.72
Savaria Corporation (SIS): $9 238.35
Canadian Imperial Bank Of Commerce (CM): $3 516
ATCO Ltd. (ACO.Y): $2 469
Jamieson Wellness Inc. (JWEL): $2 069
Northland Power Inc. (NPI): $2 263
WSP Global Inc. (WSP): $2 993.50
Aecon Group Inc. (ARE): $1 868
BMO Bank of Montreal (BMO): $1 974.20
National Bank of Canada (NA): $3 185.50
Aphria Inc. (APH): $2 948
Canadian Real Estate Investment Trust (REF.UN): $2 936.40

TOTAL: $187 654.72

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 655.68
Coca-Cola Company (The) (KO): $1 477.64
Cash: $66.06

TOTAL: $3 199.38 US : $4 108 CAN     

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $53.43
Dumont Nickel Inc. (DNI): $21.53
RioCan Real Estate Investment Trust (REI.UN): $827.05
AltaGas Ltd (ALA): $746.70
CT Real Estate Investment Trust (CRT.UN): $1 329
Canadian National Railway Co (CNR): $3 850
Exchange Income Corporation (EIF): $33.41
Firm Capital Mortgage Investment Corporation (FC): $525.60
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 533.58
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 176.90
The North West Company Inc. (NWC): $1 333.50
Andrew Peller Limited (ADW.A): $3 151.80
Canadian Imperial Bank Of Commerce (CM): $9 962
Hydro One Limited (H): $2 073.53
Toronto-Dominion Bank (TD): $1 518.40
Boyd Group Income Fund (BYD.UN): $3 246
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 452.80
Data Communications Mgmt (DCM): $9
Morneau Shepell Inc. (MSI): $2 304.90
Royal Bank of Canada (RY): $4 092.80
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 070
Parkland Fuel Corp (PKI): $1 916.80
Park Lawn Corporation (PLC): $1 608.50
Toromont Industries Ltd (TIH): $2 202
National Bank of Canada (NA): $2 548.40
BCE Inc. (BCE): $507.96
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 844.50
Pure Industrial Real Estate Trust (AAR.UN): $1 612
Sienna Senior Living Inc. (SIA): $1 415.20
Boralex Inc. Class A Shares (BLX): $882.80
Richelieu Hardware Ltd. (RCH): $1 437.50
Savaria Corporation (SIS): $1 270.50
Cash: $798.96

TOTAL: $64 357.15

RSP investment portfolio:
Emera Incorporated (EMA): $10 800
EnCana Corporation (ECA): $1 577.88
Toronto-Dominion Bank (TD): $2 277.60
Telus Corp (T): $2 325
Royal Bank of Canada (RY): $2 046.40
Savaria Corporation (SIS): $3 666.30
Thomson Reuters Corporation (TRI): $2 042
Park Lawn Corporation (PLC): $5 362
Richards Packaging Income Fund (RPI.UN): $1 097.25
Toromont Industries Ltd (TIH): $385.35
CAE Inc. (CAE): $1 658.30
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 670.15
Boralex Inc. Class A Shares (BLX): $1 103.50
Quebecor Inc. (QBR.B): $597.50
Cash: $226.64

Total: $37 835.87                         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 885.11                  

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

GIC National Bank: $1 326.27                       

Manulife Fidelity NorthStar GIF CAP B: $1 292.37
Manulife Simplicity Growth Portfolio: $1 399.28
Maritime Life CI Harbour Seg Fund: $1 223.47
Maritime Life Fidelity True North Seg Fund: $1 550.71
Manulife GIF MLIA B World Invest: $1 287.02
Total: $6 752.85

Other various: $10 780.63

TOTAL: $60 660.48

Social Capital at Desjardins Membership share: $35
Pending online income: $8.75
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$319 644.86

Hourraa, Savaria Corporation (SIS) increased its dividend distribution

This is slowly getting better and we are getting where I used to be. My non-registered portfolio closed Friday session at $184 440.95, my TFSA portfolio at $64 366.52 and my RRSP portfolio (stocks only) $38 041.68. Back on December 2017, my non-registered value was $1841 21.21, TFSA at $64 162.01, RRSP (stocks only) $38 676.57. Trump finally decided not to press extra charges on our aluminum business that we bring to the US, we don't hear any more trouble in regard of the Euro and Greece, Trump is even thinking about meeting Kim Jong-un in May... Can the man who terrorize Canadians and Mexicans may possibly restore world peace with North Korea?

Peace and no Euro trouble are good positive things that bring stability into stocks markets worldwide, and such things are greatly needed. I am just at a point where I am going to boost my December 2017 very good portfolio results, and that being without too much trouble. The only stock that is problematic for me right now is Aphria Inc. (APH). This stock is super volatile, I was just in the hope of quick gains, but it didn't happen the way it should. However, recent good investments are making it easy to move forward. My good picks, like my recent investment in Canadian Real Estate Investment Trust (REF.UN) is making it easy to move on.

Savaria Corporation (SIS) closed this past Friday with a 5.09% gain, which is quite spectacular. And another good news is that SIS increased its annual dividend by 10 cents. With this recent increased and recent DRIPs inside my non-registered portfolio, my annual dividend income (excluding RRSP) is now at $8 433.63, which is an equivalent of $702.80 per month. 

I keep thinking about investing in Logistec Corp (LGT.B) for now.

My non-registered portfolio is now at $184 017.71

I am quite impress with myself because this year, I proceed with my tax declaration really early. Its not done and completed yet, but it will soon enough. Today had been good for me on the TSX, and this being despite Donal Trump being so hard on us. My non-registered portfolio closed the session at $184 017.71, my TFSA portfolio $63 760.70, and my RRSP portfolio (stocks only) $37 545.32. I am quite impress by those numbers. Once I will be on a $190 000 non-registered portfolio, I will be in heaven.

Currently, its quite difficult to understand what's going on with Donald Trump. Tariffs on steel and aluminum seem to be a big deal not only for us Canadians, but for Americans too. I would just like to know if the US has enough of aluminum and steel to cover their own needs. If the USA don't need our aluminum and steel, its just "normal" that it get taxes higher by Trump the beef. But I just hope for him that he really don't need any of our products. Its quite monstuous of Donald Trump to put pressure on the NAFTA negociations the way he's going right now. And its why I like Donald Trump soooo much. What a beast!!! What a monstruous leader!!! And he so doesn't care of what he might think of him!!! I really adore Donald Trump. However, I wouldn't like to be at the place of the poor Melania who doesn't seem to be at her place at all in the White House. Trump is too big and loud and just doesn't realize that he has a wife on his side.

Now I confirm, I am really happy that I sell my TFSA Bombardier Inc. (BBD.B) stocks. BBD.B announced the release of new stocks, but however, its not something that seem to excited the investors that much because BBD.B is under a down turn right now. Bombardier Inc. (BBD.B). Today could had been a black day on the market, but it wasn't too bad, depite the aluminum situation and stuff going on. Better get use to it, we'll probably going to deal with ups and downs until the NAFTA deal get sign in. 

I recently find out that I have a TFSA contribution room left of a bit more than $10 000. Its currently hard for me to do any new TFSA contribution for many reasons. The number one reason being that I hold a really too big margin, I am currently exceeding the $103 000 and because I have such a huge debt against my non-registered portfolio, its making extremely hard to do any contribution in kind over my TFSA account. Because of the current state of the market, I prefer to remain calm and not move anything belonging to my non-registered portfolio over my TFSA portfolio.

Of course, I could simply use some fresh new cash and have it transfered over my TFSA account, but because my margin is so fat right now, I prefer to put the cash to pay down and reduce the use of that superb margin.

While planning to do a TFSA contribution in kind, its really important that you take in consideration that every investment you moved from non-registered to TFSA will reduce the value of that same margin.  To stay safe, I always look to have at least a minimum left of $13 000 on my margin money that is not use. It's a small amount, and its actually not enough to be really safe, but so far, its how I had been handling my margin. And before leaving for a vacation, I always transferred money from my credit line over my margin. I usually add an extra $10 000 to my margin that way.

All this to say that its not an easy task to proceed with a contribution in kind while dealing with a margin account, but its not impossible. 

One tip: before proceeding to a contribution in kind, make sure you inject the amount of the loan value worth by the investment over the non-registered account. After what, you'll be able to proceed more safely to the TFSA contribution in kind.

I currently have close to $1 000 in cash inside my TFSA (following the sell of my BBD.B shares) - but I am not 100% sure what to invest in. I thinking about Logistec (LGT.B).

In the search of new stocks for my portfolio: Vitreous Glass Inc. (VCI) and Logistec (LGT.B)

Susan Brunner recently reviewed my really last investment: Canadian Real Estate Investment Trust (REF.UN). Her review is positive. REF.UN is in good posture in my non-registered portfolio. Despite the the current bad stock market environment, REF.UN registered a capital gain in my portfolio this past Friday. The sell of my Bombardier Inc. (BBD.B) stocks inside my TFSA portfolio left me with a small amount to invest. I am already exposed enough to REITs and financial stocks, so I am really trying to avoid anything related to banks, etc... And its a well-known fact that I already hold on to so many great stocks in my portfolio. However, I am always in the search of something new to invest.

But why so? For many reasons. The best of the TSX cannot simply be in what I already know. There's so many stocks on the TSX, I cannot simply know now all of the best stocks that hold the TSX. Also, there's always new businesses that are being created, and existing businesses merge to created a new one, like it was the case with Nutrien Inc. (NTR). I truly belive that my next everything is hidden somewhere in the mass. Its always interetsing to find a new stock to invest in.

Personally, I don't have any interest for stocks involved in insurance. Manuvie, and others: its a big no no for me. So far in my investment life, I never invested in an insurance stocks. Just have a look at the chart of Manuvie, all rocky and ugly.

Currenlty, I am looking for a stock that would be involved in the environment. I have checked on Waste Connections Inc (WCN) before. However, WCN is really expensive and pay really little in dividend. Among the way, I made an interesting finding using Stockopedia: Vitreous Glass Inc. (VCI). At this time, VCI doesn't pay any dividend and seem to be only doing business in Alberta. If VCI could extend their operations in other provinces and pay a dividend, Vitreous Glass Inc. (VCI) could be a good investment. 

Anoher interesting stock, that I find this time on Susan Brunner's blog: Logistec (LGT.B). 

The search continue, but so far, Logistec (LGT.B) seems to be a good pick.

Toronto-Dominion Bank (The) (TD) increased its dividend distribution

Another very great news on the TSX: TD bank decided to increase its dividend distribution and in result, my annual dividend income - excluding like always my RRSP distribution - is now at a fabulous $8 373.15which is really almost the equivalent of $700 per month.

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.

Hello, happy savers

I was thinking about that annual budget I kept writing about, and I had forgot two annual expenses: my Norton antivirus subscription and my accounting fee for my 2017 tax declaration. Once you begin writing down all the ultra necessary expenses, you quickly realize that life is not cheap and there's just no easy way to save money other than the hard way. My current budget is super strict, but I don't have any problem to respect it, at least so far. Something that is helping me a lot is to pay all living expenses, or most of it, using cash. I currently have a credit of $55.60 on one of my credit card, which I partly happily use to pay for grocery today... Living on the viable minimum is doable, and among the way, you get use to it, and it become a way of living. I haven't push the saving habit that hard for a really long time. I used to be really good at this, but I didn't lose any of my natural flair in that matter.

I have an upcoming trip to Cuba coming really shortly so I am just trying my best to reduce my daily expenses, especially knowing that others are to come... At least my trip is already paid for.

Currently, my net worth is about the same as it was back in December 29... of last year (2017), about $221 000. Nothing is easy on the stock market right now. Even the USA are dealing with problems of their own with the nation budget. Its quite something to see the most powerful country of the world going through a complete government shutdown on their expenses. Its such a pity. And there's absolutely no better example on why we should all be working hard at saving money. We cannot simply rely on no one, especially the USA. Its our duty to make the most of our money, and especially those poor Montrealers who have no choice. They have to accept those very high tax increased.

Quebeckers are well known for being cheaters and liars, and Valérie Plante is not any different from the cheap crowd. I unfortunately had confident in her, I felt she was less hypocrite than Denis Coderre, but oh mistake, Valérie Plante is just like any other Montreal mayor who had been before her: pure fresh incompetent. And I am satisfy in my ego in a certain way, because all this confirm what I had always said when it come to Quebeckers. Real people good at playing their cheap attitude cards. In her case, Valérie Plante had made a promised, not to increase the municipal taxes more than the inflation rate. However, currently, the average tax bill will go up by 3.3 per cent int he upcoming year.

DO YOU UNDERSTAND? NEVER PUT YOUR TRUST IN A QUEBECKER.

NEVER.

Believe me when I say, this is not a racist behavior, its a measure to protect myself, and any other outsiders from the lack of caring in Quebec society. I like to document my blog with real facts surrounding my financial life and I am only doing it for one reason: to help others in the best way that I can. Its my legacy and despite the fact that you'll never know who I am, I will always give the best of my advices, the best of my financial advices, all the best of me for $0.

You cannot trust mayors like Valérie Plante. She's not the real deal. Valérie Plante is the perfect example of a Quebecker which you cannot trust. And its why its really important not to own a home or a condo while living in such an awful place. Citizens are paying for nothing, and I don't want to be one of those dumb ass. Unfortunately, I am paying in a way or another, because its probably sure that this tax increase will reflect on my rent somehow. But its better to be a renter, its less of a big financial stress. And I truly don't believe int he richness of the Montreal house market.

Even Amazon agree.

A new stock, new money in the wood thanks to Stockopedia: Clairvest Group Inc. (CVG)

It seem like its been just way too long since I didn't pay a visit to Stockopedia. It will be hard for me to resume what Stockopedia is because I am writing too lately and running out of time. But for me, Stockopedia is the place where I like to check on for new stock ideas. Stockopedia best feature are their very awesome screens. Want to invest like Peter Lynch, Warren Buffett or James O'Shaughnessy? Well that's what offer Stockopedia. All of the stocks I pick using Stockopedia had been quite good stock picks. 

AAR.UN, MRG.UN, WSP, SIA, my very awesome PLC, and RPI.UN - just to name those few, all of those wonders had been picked using Stockopedia. 

Today, I made a new stock discovery using Stockopedia: Clairvest Group Inc. (CVG), it pay a little tiny dividend, but it has a very great chart - just the way I like them, all the way up.

Easy ways to save money in your everyday life on a tight pushy budget

I simply don't believe this! After my Johnny, France Gall, its now Dolores O'Riordan who left too early this earth for I hope a better a place. She was only 46! I was born in 1980 and during my teenage years, Dolores O'Riordan was the girl you just dream to be. Her voice make it easy to listen to any of the Cranberries songs.

I think this one if my all time Cranberries song:

I think it was just a year or so ago that the Cranberries were supposed to play in Montreal, but it got cancel, if I remember.

Are those good songs or what? I didn't listen to any of those in a really long time.

Is there a way to preserve the artists we love from actually dying? Just so sad.

Live go on, but its quite of a shit hole... especially when... I didn't wrote about this, but I actually invested in Aphria Inc. (APH) at its almost highest peak. And than, it went down... I didn't wrote about this because I felt awful.


And of course, when you suffer, you become a quiet wolf, you don't make that much don't you. There's a lot volatility in APH, I knew I was going to go back up. Actually, I didn't give a damn. If APH wanted to do its job on me, FINE. I taught I got what I deserved, that I am a really bad person for investing on margin, etc etc etc... It didn't took long for my APH to go back in high. My relation with Aphria Inc. (APH) is far from being simple, but I am under the impression I am on the road for gold. I am just going to hold my stocks for now. Especially now that APH announced the acquisition of a business for a couple millions. Its just super great thing for APH to go even higher.

Anyhow, now, everything is smoother, APH is what I expected it to be: a super rough boyfriend, but still manageable, because I AM the bitch here.

Now that you know everything, let's continue on a little post that I began to wrote this weekend. These days, I don't have too much times on my hand, and its really for no reason. Not only that are getting best free investment advice ever, but you also get to learn some super AWESOME tips on how to save money.

I made a few mistakes while trying to establish my budget and expenses for 2018.

First, in my monthly budget, I forgot to calculate my weekend money $20 x 4 weeks, so its what my current monthly budget look like:

Grocery: $280 ($70 per week)

Coffee: $60 ($15 per week)

Rent: $665

Internet: $45.34

Cell: $40.24

Weekend money: $20 x 4 weeks: $80

Gym membership: $14.38

TOTAL: $1 184.96

$14 219.52 for 1 year. However, its possible to cut down on those basic monthly expenses.

1-Tip number 1 on how to save money on a tight budget: cut in the existing butter

I like this budget because its realistic - that being for one glamorous unfortunately single woman. What I like is that I have a bit of space to cut down some expenses. For example, I usually spend less than $20 per weekend. I have a little routine of my own like if I would be a veryyyy olddddd ladyyy. On Saturday, I usually go at a coffee shop before going to the gym and I buy a double espresso, at $2.50 and I something buy a bagel or a sandwich like I did this past Saturday. Both items cost me $8.75 - and its the only money I spend over the weekend - as weekend money. 

In result, I will probably save around $48.75 per month. Not much, but it allow to cover for extra expenses...

I haven't been a good girl all week long I spent $99.54 in one single evening as I went out this past Thursday. I also purchased a cute lamp online at Walmart because my existing one was standing right anymore, and a super cute little spices rack for my little kitchen, for a total of $91.45. I also bought a new rug for my entrance, $31.03... Those are extra expenses that are not include in my budget.

This week, I spent $373.63. But surprise, I return a Christmas gift that wasn't wanted, and I got back $128.13, which reduce by miracle my weekly expense at $245.50.

I am looking forward to purchase a kitchen cart, this IKEA bookcase, and a few decoration items for my tiny little apartment.

2-Tip number 2 on how to save money on a tight budget: take advantage of the super great Pharmaprix Optimum points program

The Pharmaprix Optimum is a reward program offer in any Pharmaprix and Shoppers store. Each time I purchase something in a Pharmaprix store, I show my card and received reward points base on my purchases. You can exchange those points to pay off products purchased at the store.

Also, Pharmaprix has special offer, like today, it was possible to exchange points for products, and you where receiving a little extra while doing so. I took advantage of the offer, I exchange 50 000 points and I was able to get a $105 off, which was extra of $20, normally 50 000 points give you $85 of free stuff. I bought for $136.76, and only paid $28.76. I bought vitamins, calcium, sunscreen lotion (for my trip to Cuba) and a bunch of other things.

3-Tip number 3 on how to save money on a tight budget: take control of your other expenses

Personally, I have a monthly minimum budget, and on top of it I add all other expenses, that include everything - excluding vacation - that I am probably going to spend money on in the year to come.

Other expenses:

HAIR CUT: 5 4 times this year @ $40: $200 $160

I decided to have a hair cut 4 times a year instead of 5. Will see how it goes.

CLOTHES: $1 200 - $300 per season, not much, but I already have plenty of clothes…

CLEANING PRODUCTS: I always buy them at Dollorama. To clean my apartment, and floor, I like to use Pine-Sol, it’s at $2.50 at Dollarama. I never calculated how long a bottle last me, same thing for dish soap, windex or cleaning products for the bath room. I estimate 2 products at $3 each per 2 months and 1 product at $3 per month: $72

I already have a good supply of some cleaning products, so I can easily deduct $38.50 of the amount: 

$33.50

TOILET PAPERS: $10 per 2 months (let say...): $60

LAUNDRY TICKETS FOR CLOTHES: $6 per week: $312   

LAUNDRY TICKETS FOR SHEETS: $6 per 2 weeks : $144

LAUNDRY SOAP: $10 per 2 months: $60 

$3.99 for 2: $7.98 

Laundry soap can be really expensive if you buy it at regular price. I bought two new bottles at $3.99 - which cover me for the year, since I already had some left in supply.

VITAMINS:

Jamieson 100% Complete Multivitamin for Women: $16 per 2 months: $96  

$8.69 

I previously had 3 bottle of 90 vitamin pills, I only got to purchase a new bottle to cover the year.

Caltrate with Vitamin D3 Soft Chews Chocolate, Bone Health Supplement, 600 mg Calcium: $102

9.79 x 4: 39.16

Jamieson Magnesium: $56

I decided to cut on the magnesium pills. - not quite sure about that right now...

ADVIL: $54

F PADS: $144 (can't cut on that one for SURE).

BODY SOAP: $27

I go with the cheapest and perfume free, which is Ivory.

DENTIST: $87.80 x 2 visits: $175.60

Other expenses you need to take into account:

OPTOMETRIST: ?

TOOTHBRUSH: $2

TOOTHPASTE

DEODORANT: let say 1 per month @ $5: $60

SHAMPOO AND CONDITIONER: $144

MAKEUP: $480

DRIVER LICENCE RENEWAL: $91.33

Total of the OTHER EXPENSES:

$2 910.26 (About)

When you get through all of those numbers, you quickly realize that life is expensive, saving money is easy, but the good being of humanity, we all need a minimum salary of $15 per hour, at least in Canada.

Loblaw $25 gangsta compensation for bread price conspiration is cheap shot

I write this post about a week ago, but I guess I forgot to publish it...

After Johnny Hallyday, France Gall is no more. It's heartbreaking. She hasn't the greatest voice, but she certainly has a flare of her own. And more importantly, she has her very unique signature voice, no one could copy her. I like this song, probably her greatest hit from the 80s. I remember listening to that song when I was a little girl, and it always remain like a somewhat fascination.

YouTube is the PLACE to listen to good old songs, but its also a fun place to discover bands that otherwise, you might never listen to. One of my newest find is a cool wicked band of the name of Roosevelt. They have an electric groove of their own and their tunes are all really nice, which you can listen too while reading this very fantastic blog.

Roosevelt even has a cool song title Montreal:

This one is also good.

Now, you are intoxicated for good. Roosevelt is your new love, after me of course.

Its the strangest thing ever, but Loblaw admitted that they have conspired to fix the price of bread since 2001??!!!! And now, to compensate us, poor consumers, Loblaw is now offering a $25 card. The offer started today, you can click here to register and get a $25 card available to spend in any Loblaw/Provigo store. You'll received the card withing 6 to 12 weeks. If you choose to register in any lawsuit, you'll be able to, but Loblaw warns, the $25 that you received within 6 to 12 weeks will be deduct of any new amount that you may received. Formal lawsuits haven't been launched yet, but I hope it did. If so, it could take a while, but each and single consumers who had bought bread between 2001 and today could received $100, maybe $200. Such amount would be better than just a $25. Or at least a $50. Anyhow, I happily register to get my hand on a free $25, especially now that I am dealing with a super compress budget for the next 12 months. Its going to be rough and tough.