Free Kashi cereal box

17 Dec

If you like Kashi on Facebook, you can get a free Kashi cereal box from Websavers.  Just follow the link and steps.

https://www.facebook.com/CanadaKashi/app_432406613554690

Over $5000 distributions and dividends!

17 Dec

Yes, I’ve finally succeeded in collecting over $5000 in distribution/dividends for 2013!  But I sold out my Chemtrade which was a heavy producer in my dividend portfolio.  I should have just kept Chemtrade as they went up and beyond what I sold them at.  I always sell at the wrong time.  SIGH.

For 2014, I do not expect to collect as much dividends/drips as most of my investments are in Google, Mastercard, Visa which doesn’t pay or pays little out for dividends.  Just as long they move up steadily in the market place then I’m happy.

 

Opps.. spent too much this weekend!!

15 Dec

Friday, I got some me time.  That’s right, I headed straight to the mall to eat at the food court.  Super hungry as I had only a dollar samosa for lunch. I ordered rice noodles with battered chicken for $5.76.  Cheap considering everything else at the food court.  I had it in a take out box just in case I couldn’t finish it, but the portion they gave me was minuscule compared to the dine in plate so I just finished the whole thing anyways.

My shopping list isn’t big.  I looked around the mall and bought some gifts.  I crossed off a few from my list.  Later, I filled my prescription and paid up front. But I’ll get reimbursed for it from my health spending account.

Come Saturday, I went in to get my oil changed. They recommended that I get my tires rotated and my brakes checked for extra $60.  Turns out that I have to get my brakes changed and that gonna cost me $500+. Looks like I ran them down pretty good.  I am still putting that on back burner till I hear the squealing brakes lol!

Then I got some place mats for my dining table and Kleenex tissues that were on sale.

This year I got a Xmas bonus gift from my company so I bought a dining set.  For the past couple years, we have been eating on our coffee table in front of the TV.  Last week, I picked the set up from sears. The last leg to the table did not fit the intended screws and two of the wooden chairs were chipped or scuffed up.  So I am still waiting for the replacement leg and chairs.  How disappointing to have new dining set that is of poor quality.

Anyways, I was swipe happy this weekend to the tune of $375 but that’s with oil change/rotate tires, gas fill up, groceries and reimbursable prescription in addition to gifts and household items.  That’s okay right.  Quite conservative??

Oh but I got a $100 bonus from my part time job so that would lessen the blow 🙂

Mortgage Papers Signed!

11 Dec

Funny how Scotia Bank wanted me to pay off my current balance for Amazon Visa and Capital One Mastercard.  I still had a current running balance of $61.37 from Visa and $663.22 from Mastercard that isn’t due till early-mid January 2014.  They want prove that I am able to pay this off.  Ugh, haven’t I been paying off my balance every single due date since like forever?  Begrudgingly, I complied to their request since I need the mortgage eventually… However, Scotia Bank didn’t ask me to repay my $11,800 balance transfer from MBNA Mastercard!  Woot woot, I took that out a couple months ago @ 0% and I don’t have to pay it back till September 16, 2014!  So I have ample time to repay that back.  Right now, the current balance for that is $11,564.00.  Paying it back will be a bit dicey, most likely, I’ll sell off a stock for repayment.

So I signed my mortgage papers and I’m all set to throwing money to interest payments for the next three years.  I signed a fixed 3 year rate @ 2.89% vs a 5 year variable rate @ 2.50%.  The fix rate will cost me $780 extra a year.  But it’ll give me the security of rising interest rates in the future.

RBC was offering me fixed 3 year rate @ 3.19% which is kinda crappy.  I ended up going through a mortgage broker to help me get lower rates.  Scotia Bank offered me a rate that I deemed decent enough.  They also own ING Direct, so they feel comfortable in dealing with me as I am a client of ING Direct for a number of years.  All in all, it worked out to both parties.  

Renting this out next month will be the top of my to do list.  So far, I have two potential semi-interested parties.  But the unit is on the smaller scale.  Hopefully, everything will pan out and I can get some passive income to help my mortgage payments.  

 

 

 

 

Snow is falling lightly…

10 Dec

Indicating that Christmas is just around the corner.  Tis the time to bust out your wallet/purse for gifts.  Luckily for me, I don’t have a big list of people that I have to buy gifts for.  In turn, saving me the headache of gift hunting and money!  I hate buying gifts, cuz I never know what to get!  Unless, they ask for it.  I think that’s the best way of buying gifts is when people give you a shopping list to buy from!  For my niece, my sister told me to get her Frozen Princess from Disney Store.  Bam, done!  I also got her an interactive Minion for her, cuz she kept on playing with my MCD Minion collection.  I can be generous if I choose to be.

Buying gifts are a waste of money.  Christmas is just another commercial holiday to make the masses spend more money from decorations to parties to gifts.  Most of the time, you’re just making a big guess as to what the recipient would like for a gift.  You’ll probably end up buying something that might just end up collecting dust.  

I received a Kobo Reader and Electric Toothbrush from my BF.  They’re really nice gifts and all, expensive too… but knowing myself, I won’t USE them.  So I made BF return the gifts, so I ended up with nothing!!  But at least, I know his money isn’t spent on useless stuff.  It kinda made him feel bad, but it’s the thought that counts.

Not to bring down Christmas and all.  That’s just what I think behind it.  Sometimes, I feel like a scrooge.  Bah hum bug.

 

Actors get paid way too much…

5 Dec

In the everyday life, normal people would be ecstatic to make even $100,000… that is like per year putting in a good 2080 hours!  These actors probably just put in a good days of work and get paid hundreds of thousands!  Sigh, pays to be famous and popular!

Last night, I happen to come across an article about the sitcom actors on Big Bang Theory.  The actors who plays Penny, Leonard, and Sheldon gets paid $325,000 per episode while their supporting counter parts Howard and Raj are making around $100,000 per episode.

Big Bang Theory is getting widely popular each year.  Now, the top three actors are seeking $1 million per episode as salary negotiations are up for Season 8.  Do they really deserve $1 million each for an episode that runs only 20 minutes on TV each week?  Seems like easy work to me!  Mighty fun as well.

Currently, the highest paid sitcom actor is Ashton Kutcher from Two and a Half Men making $750,000 per episode.  His co-star Jon Cryer makes $150,000 less than Ashton Kutcher, yet he’s been on the show since inception.  Is that really fair?  Ashton is a newbie to the show.  His predecessor Charlie Sheen used to make a cool $2 million per episode, he owns the title for highest paid sitcom actor.  No wonder, Charlie was fighting for his role back when he got fired from the show.

Do you remember Everyone Loves Raymond?  Well, Ray Romano used to make $1.8 million per episodes making him the second highest paid sitcom actor.  He is still pulling in the big backs from syndication to this day!  As for the six friends on the famous NBC’s Thursday night run Friends, each cast member made a cool $1 million per episode in their day.

No wonder there are so many wannabe actors out there trying to make it big.  Once they do, it’s big pay for them!  Fame really does pay.  The more popular you are, more money will just roll right in!  They will always be in the spotlight… It’s always the little people that support the big salaries that famous people get!!

Anyways, I’ve been putting a good 40 hours each week and what do I have to show for?  Not much at all!  So that’s why I’m taking some work hours to bitch about this.  I didn’t even get a raise after one year at my job.  Hopefully, by next year, I’ll get a little something.  How ever I did get a raise from my part time job in which I only work 4-6 hrs every second Sundays to $15/hour!  It’s nice to have a little extra pocket money to feed my hunger lol.

Sold out KO (Coca Cola) 100 @ $40.30/share

4 Dec

Trade History for KO:
June 4 – Bought 50 @ $41.50/share = $2075.00
Oct 1- Bought 50 @ $37.85/share = $1892.50 (Averaged down)
Dec 4- Sold 100 @ $40.30/share= $4030.00
Gross Gain = $62.50
Less: Commission = $2.98
Net Gain = $59.52  (1.5%)

Collected Dividends:
July 1- $11.90
OCt 1- $11.90
Total Dividends:  $23.80

Ever since I bought into KO, it has traded on a down trend.  I was not happy with this trade from the beginning, but I did not want to sell at a loss prematurely.  I held on for a few months and saw it bottom out early October at around $37.85, so I averaged down trying to climb back up from the red.

If I didn’t averaged down, I would still be at a loss…

 $3967.50 is funded solely on margin, the opportunity cost was too high for me.  So I decided to let this one go to lower my margin amount.  I lost money on this investment due to interest payments for six months that I held it.

Currently, I still have margin on my USD stocks:  COST, PCLM, LMT, V.  All those stocks have a gain of 6.52%-18.52% which is performing to my standards.  

The markets is shitty so far in December.  Looks like a lot of traders are cashing out before the end of the year…  maybe I should too before all my gains are diminished.