Archive | July, 2013

Fresh Slice – Skimming off pennies

31 Jul

Today, I brought a nutella/peanut butter sandwich for lunch.  Usually, I don’t eat breakfast.  But lately, I haven’t been feeling well as my vision has been blurring with auras (symptoms of migraines).  Luckily, I didn’t get a migraine after my episode these last few times.  So I decided to eat half of my sandwich in the morning to be on the safe side.

As the story goes, I am still hungry come lunch time.  So I went to Fresh Slice to pick up a slice of pizza for $1.79 + GST = $1.88.

The lady would ring up the order on the till and it comes out to $1.88.  I paid with my credit card, she would round up and punch in $1.90!  Skimming me two cents!  The penny rule is only applicable to cash only, not credit cards.  You can actually punch in $1.88 on the credit machine, lady!

I didn’t complain to her that she’s actually overcharging me two cents.  But it’s starting to irk me.

Usually, I go for their Tuesday pizza deal which is $1.25 per slice!  I would get two slices for $2.50 + GST = $2.63.  Once again, she’d round up to $2.65 on my credit card.

I haven’t bought a slice for $1.25 + GST = $1.31.  Now, I wonder if she would round down as she’s suppose to or would she round up to $1.35?  By then, I would say something to her that she’s suppose to round DOWN to $1.30.


Boston Pizza Fund

29 Jul

Over the years, I’ve traded a lot of stocks.  Even though, I took some pretty bad losses, I always seem to offset them with my gainers. There is one unit trust that I have kept for the longest time.  BPF.UN has given me a steady monthly distribution and share price appreciation.

Early 2009 was a pretty bad year for stocks.  At that time, I was pretty cash strapped.  I didn’t have a whole lot of money laying around to invest in.  But I wanted to put some money into a stock that will pay itself off.

On May 2009, I decided to put down 200 @ $9.10 on BPF.UN.  At that time, they were paying out 11.5 cents per share monthly!  So for a while, I was receiving $23/month… the distribution was lowered due to some rule changes to unit trusts in Canada.

Commission fee:  $29 (BMO Investorline)
Total dividends collected to date: $1026 (+55.48%)
Unrealized capital gain: $2601 as of July 29, 2013 (+140.67%)

Not bad for a relatively small market sized eatery on the West Coast of Canada.  I have more than doubled my money here.  If I only invested more, I would have been much better off now.

PS.  Scotia Itrade is charging me a quarterly inactivity fee of $25.  The only two stocks I hold there are BPF.UN and 300 shares of CHE.UN.  The combined total is less than the $10,000 minimum requirement .  So I might have to sell my beloved BPF.UN and move the money  to Virtual Brokers.  Itrade commission fee per trade is $24.99, really high if I wanted to stay put with them!! 


Welcome LIQ.TO and RCI.B.TO!

26 Jul

Liquor Stores N.A. Ltd is a longer term keeper as I don’t expect to see much volatility in this stock. This used to be a unit trust but converted into a stock recently.  I am a sucker for unit trusts that pays out on a monthly basis.  Almost at its 52 week low, their yield is looking pretty good at 6.15%.

LIQ.TO-  100 @ $17.56/share
Monthly dividend:  $9
Commission cost:  $1

I am going to revisit Rogers Communication Inc again.  I held this last summer at an attractive price and sold it at a loss when I was heavy on margin (Penny stock debacle days).  After I sold my 200 shares, RCI.B went skyward.  I missed out on some good gains.  Lately, RCI.B has taken some big hits from its 52 week highs due to an American competitor possibly entering the Canadian exclusive cellular market?  Ten dollar drop calls for some attention for sure.  Paying out a quarterly dividend yield of 4.2% seems mighty attractive to me.  Will this sink me or lead me to higher share prices down the road?

RCI.B.TO-  100 @ $41.45/share
Quarter dividend:  $44
Commission cost: $1

I like to buy bottom feeders for some reason.   But these are riskier in some ways… you could be buying on a down trend that can keep on going DOWN.  Most stocks I buy are relatively in healthy shape and will come back SOME DAY.

Maybe I should switch my strategy and start buying at the 52 week high and ride the uptrend rise!  Do you buy on 52 week lows or highs?

Added CVE.TO 100 @ $30.40/share

25 Jul

Earlier this morning, I added Cenovus Energy Inc. to my portfolio looking for short term gains.  I didn’t bother looking at the markets till now.  Surprised to see today’s closing price was $30.68 per share for CVE.TO.  Not bad, considering for a one day gain… but it’s not realized gain yet till I sell!





Watching POT.TO Today

24 Jul

I should have taken my $39 profit off the table earlier in the morning when POT.TO was trading up to $37.70.  I was really thinking about it, but I got greedy as always.  I held on only to watch the stock fall further down and below my buy in price.  Ahh, the volatility of the stock market.  Maybe, I should have bought RCI.B instead.  72 cent rise in share price today alone.  I always pick the wrong stocks.  My timing is so off.

Potash- July 24th



Re-entered POT.TO 100 @ $39.31

23 Jul

A lot of stocks these days are trading at its 52 week high, but Potash is down in their usual slump.  I am picking up some shares today in hopes that this minor set back will bounce back above their $40 per share point.

I’m not putting too much money into this as it’s been trending in a down trend.

This will be my first buy for this month!

As for all my previous stocks I sold recently, they are doing better than expected.  I was better off holding them than selling.  I coulda bought myself a ticket to Vegas!

Capital One Mastercard got compromised

22 Jul

My Capital One Mastercard got compromised last Monday.  At Walmart, my card got declined twice.  A couple days after, I tried to make a purchase online to have the item sent to my work address.  Again, it got declined.  Agitated, I called Capital One.  I was put on hold for 20+ minutes after talking to the first representative in which I explained my situation.  By the time the next representative took my call, I was not very happy.  Talking in a louder tone than usual, I berated Rep#2 as to why my card was blocked and wasn’t made aware of the situation right from the start.

Rep#2 told me that my card was compromised on the Monday and that they sent a letter to my mailing address informing me.  Only then, I would have to call in to get a new card to send out.  Well, I never received that letter… still waiting for it.  I asked him why can’t they call or email me instead?  He’s like for security reasons, they only mail out letters to the cardholder’s address for verification “snail mail style.”  Even though, I get email notifications from Capital One and login into their site service all the time.

Right now, I am waiting for my new card after talking with them that night.  I am not impressed as I had to put some charges through to my other credit card where I don’t earn 1.5%.

Update:  I got a Fedex slip at home on July 22, 2013… guess that’s my new card from Capital one.  Now I have to pick it up from the Fedex depot cuz I was at work when they tried to delivery it.

When my card got compromised at MBNA Mastercard, they handled it very swiftly.  They had a message on my login account to call customer service and informed me right away that my card was skimmed and some charges were put through to my account, but they will reverse the charges and I got my credit card within 2 business days by Fedex.  Talk about quick service!

Today, I spent $121.86!

16 Jul

This morning, I woke up early to pick up free Cheerios Honey Nuts cereal.  I got a free offer from Save.  Love my freebies!  Also, I got one more cereal box for my coworker who’s on vacation… Yes, I am a nice girl…I’m getting Milka chocolate from Germany in return.  So I spent $1.86 on spinach and green pepper at the supermarket.  Damn machine wouldn’t take my credit card, so I put it through my ING Direct debit card.  I am disappointed that I didn’t earn my two cents.

Shopping in the mornings before work saves me gas and time.  I don’t have to fight crowds of people and there’s ample of parking spots for the taking.  So I went to work, a little bit earlier than usual.  I am quick and efficient when I do things.

Lately, I have been good about not buying lunches at work.  This is mostly due to the fact that a couple of my coworkers are away on vacation and I need to stand post at my station.

After work, I met up with a good friend of mine to catch up and have dinner.  We ate fried noodles and fried rice, I was stuffed to the max.  She wanted to treat me dinner.  But I am not the type to always accept free dinners.  I owed her money for Beyonce’s Mrs. Carter concert this coming November 2013, so I gave her $110 for the ticket plus $10 extra to cover dinner.

I’ve never been to a live concert before.  I’m not the type to spend that much to watch someone sing (when I can listen to them on radio or youtube for free), but it’ll be a fun night out with the girls.

So that’s how I spent $121.86 today.  Life is not about scrimping and cheaping out always.  I can be like that sometimes, but I do spend money to enjoy the finer things in life.

I’ve been inactive in the trading business…everything looks high… Potash has dropped below $40, time to buy again?  Or could this be one of those gotcha stocks where it’ll be taking a nose dive?

Swoon, market is rallying!

11 Jul

Time for me to get the fuck out of Suncor, before it dips below my buy in price.

For most part, this stock has been in the red.  There were a couple times when I could have sold out at a small profit, but I wanted to wait for a bigger profit only to end up with a paper loss.

This time, I’m taking my little profit and a peace of mind.

Trade Details:

Bought on Feb 8, 2013- 300 @ $32.30/share

Sold on July 11, 2013-  300 @ $32.56/share

# days held:  153 (TOO LONG)

Commission paid:  $4.95 from QT, $3.00 from VB

Profit:  $70.05

Dividend:  $99.00

I can’t wait to get out of Goldcorp!  This is a stock I regret buying.  I had a gain of $200, but I didn’t take it when I had the chance.  Now, I am holding on a paper loss of $1270.95 at the moment.  >_<  I tend to have a bad habit of holding onto stocks for too long…

Sell Target Hit for BTE.TO at $41.00

10 Jul

Baytex Energy Corp was my first trade at Virtual Brokers on Margin.

May 14:  100 @ $40.75
May 16:  100 @ $38.73 (averaged down)

BTE.TO was trading in a down trend when I first laid eyes on them.  I thought the price I paid for was their support, but I was wrong.  Once again, I bought into a stock that keeps going down.

Good thing about this stock is they paid a monthly dividend.  The time I held onto this stock, I have collected $88.00.

Reason why I set my target at $41.00?  Looking at the three month chart, $41 seems to be around their resistant point, before they take a nose dive below the $40s.  I might be wrong, but I do not want to hold this in the red again especially on Margin.

Sold-  July 10:  200 @ $41.00

Days held on Margin- 54 days

Profit after commissions $248.01

Dividend:  $88.00

Interest:  $47.05 (Estimation)

My 1 cent per share trades gave me the ability to keep my trade commissions down.  So I only paid $3.00 for three trades!  Regular commission at other brokerages would have been $4.95-29.00 per trade.  I saved so much money!!

After all said and done, I walk away with $288.96 in my pocket.  Not bad for a Margin swing trade, eh?