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Price Matched Xmas Gift

27 Dec

Dewalt 12V Drill

Mid December, I bought a Dewalt 12V Lithion Ion Drill kit from Canadian Tire that was on sale from $179.99 to $99.99.  That’s a great deal!  So I bought the Dewalt Drill as a Christmas gift for my BF.

Come Boxing Day… the day after Christmas, everything is on sale!  My BF looked through the flyers and found the exact same Dewalt Drill is on sale for $88.00 at Lowe’s for Boxing week!  He asked me if I paid more for the drill or not?  I meekly answered yes.  He told me to get a price adjustment and Canadian Tire will beat the competitor’s price by 10% with Canadian Tire money.

I kind of groaned at the idea of getting a price adjustment.  But today I had the day off, so I refunded my original purchase at customer service.  Next, I headed to the cashier to “re-buy” my Dewalt Drill.  I showed the flyer to the cashier and asked her to price match the item.

She confirmed it by adjusting the price for me.

In total, I saved $13.43 and in addition, I received $8.80 in Canadian Tire money.  Most people… might think it’s a hassle, sometimes embarrassing to go back to the store to ask for a price adjustment or save a few bucks.  It’s not worth their time… I kind of agree, but if you’re saving more than a few bucks… then maybe it’s worthwhile.

Always keep your receipts and keep your eyes open to sales.  You never know how much you can save further down the road.


Merry Christmas!

25 Dec

Merry Christmas Everyone!

Usually on my days off from work, I like to snooze in bed till later in the morning.  But I didn’t sleep in today as I am hosting my first family dinner!  Best to have everything all prepped ahead of time, so there won’t be any last minute rush!  I cleaned most of the morning away and tidying up.  Now, I have ample time to sit back and relax before starting the side dishes.

What’s on the menu?  Pot roast in the slow cooker for 10 hours, it’s cooking right now… Almost half way through.  Pre-marinated our wings the night before, so all I have to do is pop them in the oven.  For our sides, we have corn, mushrooms, tomato & avacado salad, yams with stuffing and gravy!  Voila, it’s a full on feast!

This past year has been good to me.  I recently got engaged, I went on a Mediterranean cruise and Costa Rica, I received a windfall, and I got a nice bonus from work… Everything seems to be falling into place!   My stocks are at their all time highs!  And I don’t even have to liquidate any of my stocks for the down payment for my upcoming condo!  But I need to find a way to pay my 0% balance transfer from MBNA back $11,500 by September 2014.

For 2014, I’ll be taking on a mortgage.  Monthly payments will be 30% of my take home income.  My amortization is 35 years and I am paying the absolute minimum.  But I plan of making lump sum payments to pay this bad boy off.  I hate throwing money away to fees and interest.  I hope to find a good tenant that will help out with the mortgage.  On top of the mortgage, there will be monthly occurring expenses like strata fee, insurance and property tax.  All that needs to be accounted for.

I would love to max out my TFSA for 2o14, but looks like I’ll just have to play with the money that I have in my TFSA already.  No more new money will be funneling to my stock portfolio.  But I might add some money to my RRSP as I don’t want to pay taxes to the government, dreaded CRA!

My goal for 2014, I want to be more accountable for my trades.  I need to set up a system to track my profits and losses.  I want to trade more on my Virtual Brokers margin account.  Right now, I am using $10k in margin.  I need to be more bold in my trades meaning putting more capital into ONE stock, of course, I’ll be watching it like a hawk!  One wrong move can be quite costly.  That’s the only way for me to leverage myself to more gains!  To be continued.

The only reason I am so aggressive with my money is that I do not make a whole lot of money at work.  By saving and investing, making smart decisions, I can increase my net worth at a more rapid pace than just sitting idly by watching the rat race.

I do not hold any bonds, EFTs, Index or Mutual Funds.  I am purely a stock girl!  Stocks all the the way for me and a little investment property.




KMI- bought 100 @ $35.60 today

23 Dec

Added KMI (Kinder Morgan) to my Margin position this morning.

You know how I sold out KO (Coca Cola) earlier this month, I should have just replaced them with KMI right away.  I could have been sitting on a $255.00 profit at the moment.  But the moment has passed, now I am starting at a higher end of KMI.  Hopefully this bullish trend continues for KMI, so I can still get some profit out of this.  With the nice dividend yield, I should be able to make some money out of this.

December could be grouchy for stocks…

4 Dec

November flew by too fast with some awesome gains.  For the first two trading sessions for December, it ain’t looking good for stocks.  BMO took a big hit yesterday.  Down $3.28 to $70.25, biggest single day loss in a long time for BMO.  It was doing so stellar in the past few months.  BMO has become oversold and may be a good to pick up some shares??  BMO is in my tax sheltered RRSP account, so I won’t touch it.  Even though, I want to take some profit off the table…

Anyways, I updated my stock portfolio and dividends.

My closing date for my Condo is in January 2014.   Scrambling to get my mortgage together to get it notarized.  This is a first purchase on my own so I am learning the ropes of home ownership.  Hopefully, I will be able to find a suitable tenant for my unit that won’t cause me too much headache.  Clock is ticking.

Virtual Brokers gets down to the Penny!

15 Nov

Wow!  Virtual Brokers announced their new Penny commission structure as follows:

“The Penny” Commission Structure

$ 0.01 per share if share price ≥ $1.00
$ 0.005 per share if $0.25 ≤ share price < $1.00
$ 0.0025 per share if share price< $0.25

The Minimum commission is $0.01 with a cap of $9.99. No ECN/Exchange Fees apply.

This makes me want to trade more!!  Just a few weeks ago, I literally bought one share of Priceline @ $997.00.  My commission was 99 cents.  Way cheaper than other brokerages around, right right?

With this new “Penny” commission structure in place, if I bought one share of Priceline today, my commission would be just a PENNY!  Of course, most people don’t just buy one share of stocks all the time.  But there’s that option.  Your trading cost won’t cut into your profits.

I like Virtual Brokers fee structure as they don’t nickle and dime you with ECN/Exchnage fees unlike Questrade.  And there’s a cap of $9.99 commission.  I think this means that if you buy more than 1000 shares, your commission will still be $9.99 per trade.

Anyhoo, I’m off to Costa Rica for ten days!  BTW, my LIQ stock didn’t make a come back to fund my trip.  Still down 18.33%.  Ouchie, looks like I’ll have to dip into my savings for this trip.


Small Caps vs Big Caps

13 Nov

Is there an advantage between investing in a small cap vs big cap stock?  Small caps have more room to grow than big caps.  Every company has to start off somewhere.  Some will rise, some will fall.  All in all, pick your companies wisely.

All my small caps are Canadian companies that pays monthly income.   All my big caps are American companies.

Note:  All stocks have different amount invested.  Each stock provides different risk factors.  Therefore, I only put down money that I am willing to bet on the stock.

Small Caps
Ticker Market Cap Performance
KEG.UN 182.00M 30.86%
BFP.UN 319.42M 129.10%
LIQ 325.18M -19.75%
CHE.UN 660.94M 8.63%
Average 37.21%
Big Caps
Ticker Market Cap Performance
GOOG 342.86B 67.41%
T 184.22B -5.16%
KO 176.64B 0.76%
V 126.57B 13.99%
Average 19.25%

Stupid Twitter (TWTR) making the market slump

7 Nov

Today, Twitter made its IPO appearance.  Unbelievable, how people are snapping up shares for $45 to 50.  This is a $20 premium above target price.  Anyways, I’m not a fan of twitter and I’m not certainly going to pay a hefty price for them.  I was going to pick up some shares for around $25 for fun, but not today for sure!  We’ll see how the price will turn out in the upcoming weeks. Those underwriters have the first dips to those shares and making a KILLING.

Anyways, all my American stocks are slumping today.  Most of the attention is on Twitter as people are pulling from other stocks to put money into Twitter??  Yes, they have millions and millions of people using Twitter.  Even I am a registered user.  I hardly see any advertisements on there.  How do they really make money?  Are they even turning a profit at the moment?  To value a techy stock like this at $25 billion is over shooting it.

Don’t buy into the hype.  But hey if you think you can make a profit, then by all means go for it.

I think the prices will go down in the weeks, months to come..  Will it be a similar story like how Facebook IPO’d??  Facebook traded high up, then traded in a downward trend for a good year, before coming back up.  Maybe patience is key to this game.  Wait for an opportune time to jump in and hope that it’ll go up!

Do you spend money everyday?

5 Nov

“Do you spend money everyday,” I asked my friend recently.  The reply was “Yes!”.

“How about myself?”  Well, I certainly do not spend money everyday.  I track my expenses everyday in my spreadsheet.  So I decided to count how many days I spend in a month.  On average, I end up spending money almost everyday as well.  20 days out of the month is a pretty high ratio!  I was surprised by this finding.  Since, I am not a big spender at heart!

Even though, I am spending 20 days out of the month.  My purchases are controlled and small.  I don’t really follow a budget.  If I see something I like or need, I will whip out my credit card to make my purchase.  I lead a simple life.  Most of my major purchases have been made, but there are always things that will pop into the picture which will make a dent in my savings.  I will worry about them later.

Food is my biggest daily expenditure.  Meal planning is an essential to keep costs down.  I try my best to cook in most of the time.  But sometimes, if I’m rushed for time or just plain lazy, I’ll go out to grab a bite.

Here are some tips:

When I do buy lunch/dinner, I try to make it last for another meal if the portion is large enough.

I always order water or tea.  It doesn’t cost you a thing, unless you ask for bottled water.

At Subway, I usually buy their 6″ pizza sub for $4.00.  Not too long ago, I discovered their $5 footlongs.  So now, I buy their $5 footlongs and split them up for two lunches making it $2.50 per lunch!

Tuesdays is a “slow” day of the week.  Most places have a deal to draw you into their eateries.  KFC have their Toonie Tuesdays (more like $2.99 + tax deal) with a chicken thigh and leg plus fries.  Fresh Slice have their $1.25 + tax per slice deal.  Movies at the theaters are usually a few bucks cheaper too!  I’m sure there are other deals on Tuesday around town, but those are the top ones I can think of.

Burger King have their daily King Deals.  $5 + tax combo.  You can even replace their fries for onion rings at no cost.

I am always on the lookout for coupons and deals.  Makes me happy when I get a big bang for my buck!

Making some changes to my TFSA

27 Sep

Today, I sold out 1270 shares of CHE.UN for $16.96 in my TFSA account. Fact was that CHE.UN took up 20% of my overall portfolio. The time I held onto this unit trust, I’ve collected a fair amount of distribution.

Anyways, I replaced it with 15 shares of MA at $679.50 for now. I am hoping I didn’t screw myself over in the months ahead. But I felt like it was time to say goodbye to CHE.UN and add more stake to Mastercard where it has really appreciated.

Also, I sold out QCOM – 25 @ $67.18 in my TFSA.

I plan on adding more Mastercard to my TFSA until my cash balance is zero. For now, I don’t want to add too much near their 52 week top.

I believe Mastercard has a strong chart and I am regretting that I didn’t ride this baby out from the start. When I first entered MA, it was around the $300-$350 range. I regret how impatient I was in May 2012 where I sold MA out for little profit. Look at it now, $680 range! Wow, I totally miss out some good gains. But now, I will hold this baby for a while till it fully matures. I will not sell out like the many times I have before.

I’m just thinking out loud. Sorry, if this is a bit confusing. I am not the type of person of analyzing stocks and giving you all the jazz about it.

If I like the stock and believe in it, I will buy it.

History recap, just at the top of my head with approximate numbers:

  1. I bought 200 shares of SBUX at $18, but sold out at $52.15.
  2. I had 200 shares of Visa at $70 at one point, but sold out for $2000 profit.  Fucken big mistake that was.
  3. I bought 10,000 shares of GQ at 15 cents, but eventually sold out at $1500 gain.  I could have sold out at their peak and made a cool $10k profit, but I held too fucken long!
  4. I bought 200 shares of AGU at $50 on margin, but got scared of the dip in the next few days and sold out at a loss.   Then I re-bought them at $70 and sold out for a $2000 gain.
  5. I bought 50 shares of GOOG at $612.00, but I sold half of it for a measly $100 gain because that portion was on margin.

~I lied, I added two more stocks today~

25 Sep

These two stocks will be in my longer hold section inside my USD Margin portfolio:

1 share of Priceline (PCLN) @ $997 (no dividend, purely growth stock)

10 shares of Lockheed Martin Corporation @ $128.15 ($1.15/quarter dividend)