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Tuesday, February 18, 2020

Probably saying hello to a somewhat $258 000 net worth

My RRSP portfolio closed today session at $51,002.60 - I think it's the first time it reached 51k. My TFSA portfolio closed today session at $89,882.35 and my non-registered portfolio, at $125,637.08. I am probably in the $258 000 net worth or around. I really hope that no one of my readers actually has anything invested in Bombardier Inc. because today, BBD.B lost closed to 10%.
 
I now have $4,233.04 savings. Once I reached 5k, I will be good to have.. free cheques. I didn't contribute yet to my TFSA in 2020, which is a real shame. However, I absolutely need free cheques and I am going to explain why. You got to imagine me at work, my cell phone is ringing, I am terribly annoyed, but I answer anyway, just in case it would be an emergency coming from my old folks in New Brunswick. I answer the phone and it's not the voice of someone I know, I am thinking about a telemarketing score. I am terribly annoyed... And then, I hear the man asking for me, and then he said that he was from an anti-fraud department... And of course, I freaked out, what the f is going on? But then I am being asked if I made a cheque of X amount... Of course, that was my rent cheque, but it's just that instead of paying using a cheque from my line of credit, I pay using a cheque coming from my credit card and then received THE call lol... Hell yeah, I need some free cheques PLEASE. LOL

It might feel as being useless to have 5k in savings, but it took me a while before building up my savings account, so I prefer that the money stay where it is. It's all pretty much psychological with me. And frankly, I have almost 4k in cash in my TFSA and I am still thinking about what to invest in.

Thursday, February 13, 2020

Welcoming my highest net worth value ever: $257,187.44‬!

I don't know if you had bought, like me, the Smoothie and Milkshake 2020 calendar, but I have to say that the month of February is absolutely gorgeous with Milkshake pretty kitty face.
 
Yesterday had been quite a day, as I reached out my highest net worth value ever, $257,187.44‬. I have my chances to end my week on an 258k-259k net worth. The $260 000 net worth is near, that you like it or not. I never expected to have it so easy, by doing nothing at all, without any effort, if it's not to simply be the too smart investor that I am and watch my investment portfolio who just keep going higher and higher and higher like it will never stop. If I ever reached out to the $300 000 this year, it will be insane. And after, why not going for a 400k? While I am exploding of health, the JFT Strategies Fund (JFS.UN) of Jean-François Tardif cannot even reach the $15 per unit!!! The malediction continues for Tardif. He cannot do even a sweet shit anymore. His mediocrity obsesses me.

Today, my non-registered portfolio closed at $126,026.18, my TFSA portfolio at $89,761.34, and my RRSP portfolio, stocks only, at $51,031.12. The TSX still going strong despite the coronavirus. It took a deadly disease to slow down erratic unneeded air traffic. Airline companies should all get shut down. Diseases can easily spread one place to another. It shouldn't be consider as a normal thing to take an airplane, and travel worldwide. It's unnatural and bad for the environment. Some airline companies like Air Canada offer horrible customer service, nothing will be miss. But how could be any different, especially knowing how incompetent Quebeckers can be.

Today, both TFI International Inc. (TFII) and Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A) had registered really great gains. Brookfield Asset Management Inc. (BAM.A) announced today really awesome news, its something that I just simply ADORE: a stock split!!! From my experience, please take it for granted - whenever a stock goes under the stock split knife, your investment value - usually speaking - will simply go UP and hello good looking gains.

This is fun!

Wednesday, February 12, 2020

My investment portfolio on date of February 12, 2020

Cold cash: $4,033.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,867.76
Methanex Corporation (MX): $4,673.76
Fortis Inc. (FTS): $7,334.25
Pembina Pipeline Corporation (PPL): $39,044.04
iShares S&P/TSX Capped REIT Index (XRE): $3,224.00
New Flyer Industries Inc. (NFI): $3,803.58
TMX Group Inc. (X): $942.32
K-Bro Linen Inc. (KBL): $4,376.00
TransCanada Corp (TRP): $1,846.25
Canadian National Railway Co (CNR): $11,293.20
Enbridge Inc. (ENB): $19,367.07
Emera Inc. (EMA): $1,472.25
BCE Inc. (BCE): $1,418.12
Saputo Inc. (SAP): $1,641.20
Loblaw Companies (L): $847.32
Savaria Corporation (SIS): $7,173.56
WSP Global Inc. (WSP): $4,829.00
Aphria Inc. (APH): $1,086.00
George Weston Limited (WN): $109.29
TOTAL: $126,348.97

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,819.52
General Mills Inc. (GIS): $1,693.76
Cash: $26.66

TOTAL: $
3,539.94 USD: $4 704,23 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
CT Real Estate Investment Trust (CRT.UN): $1,658.00
Canadian National Railway Co (CNR): $5,019.20
Exchange Income Corporation (EIF): $44.91
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,910.43
Brookfield Renewable Energy Partners L.P. (BEP.UN): $2,115.90
Andrew Peller Limited (ADW.A): $1,863.20
Toronto-Dominion Bank (TD): $1,507.00
Boyd Group Services Inc. (BYD): $6,718.20
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $4,038.30
Data Communications Mgmt (DCM): $1.44
Morneau Shepell Inc. (MSI): $3,145.50
Royal Bank of Canada (RY): $4,322.40
Park Lawn Corporation (PLC): $1,842.00
Toromont Industries Ltd (TIH): $2,937.60
BCE Inc. (BCE): $580.14
Northview Apartment Real Estate Investment Trust (NVU.UN): $4,759.50
Boralex Inc. Class A Shares (BLX): $1,230.40
Richelieu Hardware Ltd. (RCH): $1,354.70
Savaria Corporation (SIS): $958.30
Northland Power Inc. (NPI): $3,126.00
Calian Group Ltd. (CGY): $3,478.00
Canadian Utilities Limited (CU): $1,744.26
WSP Global Inc. (WSP): $2,414.50
Granite Real Estate Investment Trust (GRT.UN): $729.60
Cargojet Inc. (CJT): $3,577.44
Nutrien Ltd. (NTR): $2,880.50
TFI International Inc. (TFII): $3,644.80
Canadian Imperial Bank Of Commerce (CM): $3,315.60
SIR Royalty Income Fund (SRV.UN): $685.60
ATCO Ltd. (ACO.Y): $3,159.00
Aecon Group Inc. (ARE): $1,797.00
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $3,256.60
Metro Inc. (MRU): $2,104.82
Alimentation Couche-Tard Inc. (ATD.A): $532.80
Cash: $3,950.32

TOTAL: $
89,416.88

RSP investment portfolio: 
Emera Incorporated (EMA): $17,136.99
(OVV): $456.33
Toronto-Dominion Bank (TD): $2,260.50
Telus Corp (T): $2,767.50
Royal Bank of Canada (RY): $2,161.20
Savaria Corporation (SIS): $2,765.38
Thomson Reuters Corporation (TRI): $3,886.56
Park Lawn Corporation (PLC): $6,140.00
Richards Packaging Income Fund (RPI.UN): $1,569.81
Toromont Industries Ltd (TIH): $514.08
CAE Inc. (CAE): $2,845.50
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,589.60
Boralex Inc. Class A Shares (BLX): $1,538.00
Quebecor Inc. (QBR.B): $826.00
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $264.67
Brookfield Renewable Partners L.P. (BEP.UN): $1,340.07
Leon's Furniture Limited (LNF): $565.08
Cash:$371.73

Total: $
50,999.00

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $
3,160.82

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

GIC BN: $1 364.49        

Manulife Fidelity NorthStar GIF CAP B: $
1 820,77
Manulife Simplicity Growth Portfolio: $1 511,10
Maritime Life CI Harbour Seg Fund: $1 410,57
Maritime Life Fidelity True North Seg Fund: $1 269,99
Manulife GIF MLIA B World Invest: $1 346,63
Total: $7,359.06

Other various
: $16,436.29

TOTAL: $80,399.41

Social Capital at Desjardins Membership share: $35
Online money: $18.19
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$304,955.72‬
On the date of February 12, 2020

My debt situation on date of February 12, 2020

Margin account: $47,768.28 @ 5.50%    
Annual interest: $2,627.25 On the date of February 12, 2020  
**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

Thursday, February 6, 2020

I am now on my highest net worth value EVER: $254,435.86‬

Yesterday, I proceed with a quick debt and investment portfolio update. I knew that I was on my way to hit on the 260k net worth, or somewhere close. That's how that yesterday, my net worth closed on $254,435.86‬. But today, my numbers are even better and hotter! Today, my non-registered portfolio closed on $125,906.16, my TFSA portfolio at $88,871.31 and my RRSP portfolio, at $50,703.66. I am certainly on a 2k gains. My net worth is probably in the 256k right now. I might have all the chances of the world to reach in after to all to reach the oh so wanted $300 000 net worth. But suddenly, 300k doesn't seem as being that much at all. And suddenly, I NEED MORE MONEY. As my value grows, it seems to me like the money I have is not that much at all. It's kind of a charming turn, to know how much all this means to me now. And it's quite amusing just to realize how much my hunger for that $300 000 is really is. I never taught it was going to be so damn easy.

I didn't place new investments yet, I still have close to 4k in cash inside my TFSA. It's quite busy at work so I am not at a place where I can easily see clear on what to do next. Currently, the most valuable thing I guess is my savings, which I like to name cold cash. Money in a saving account is worth being name cold cash because only money fully invested in stocks is hot, and savings are cold.

I quickly read that BCE Inc. (BCE) had increased its dividend distribution. WSP Global Inc. (WSP) is ALMOST trading at $100 per share. I also recently great stuff about both Aecon Group Inc. (ARE) and Metro Inc. (MRU). Now that I am just so close to reaching out a 300k net worth, I just really want to hit on that stock that will give me the push that I need to really move over all my expectations and wildest dream. And this is what I am good at. I know I can make it.

However, right now, my greatest enemy is myself. I am just getting tired these days and my job is quite difficult. I just feel like I need a vacation and I need to meet a rich man. With this winter I have dry skin and I am just not feeling exactly myself.

Wednesday, February 5, 2020

My investment portfolio on date of February 5, 2020

Cold cash: $4,033.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,581.40
Methanex Corporation (MX): $4,881.76
Fortis Inc. (FTS): $7,252.97
Pembina Pipeline Corporation (PPL): $38,472.70
iShares S&P/TSX Capped REIT Index (XRE): $3,157.35
New Flyer Industries Inc. (NFI): $3,691.71
TMX Group Inc. (X): $994.48
K-Bro Linen Inc. (KBL): $4,278.00
TransCanada Corp (TRP): $1,816.25
Canadian National Railway Co (CNR): $11,416.50
Enbridge Inc. (ENB): $18,841.62
Emera Inc. (EMA): $1,460.25
BCE Inc. (BCE): $1,383.14
Saputo Inc. (SAP): $1,653.20
Loblaw Companies (L): $837.84
Savaria Corporation (SIS): $7,320.28
WSP Global Inc. (WSP): $4,830.50
Aphria Inc. (APH): $1,230.00
George Weston Limited (WN): $106.66
TOTAL: $125,206.61

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,829.20
General Mills Inc. (GIS): $1,681.92
Cash: $26.66

TOTAL: $
3,537.78 US: $4 668,45 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
CT Real Estate Investment Trust (CRT.UN): $1,621.00
Canadian National Railway Co (CNR): $5,074.00
Exchange Income Corporation (EIF): $44.28
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,823.33
Brookfield Renewable Energy Partners L.P. (BEP.UN): $2,010.00
Andrew Peller Limited (ADW.A): $1,890.40
Toronto-Dominion Bank (TD): $1,504.40
Boyd Group Services Inc. (BYD): $6,752.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,985.80
Data Communications Mgmt (DCM): $1.53
Morneau Shepell Inc. (MSI): $3,154.50
Royal Bank of Canada (RY): $4,278.00
Park Lawn Corporation (PLC): $1,830.00
Toromont Industries Ltd (TIH): $2,821.20
BCE Inc. (BCE): $565.83
Northview Apartment Real Estate Investment Trust (NVU.UN): $4,696.50
Boralex Inc. Class A Shares (BLX): $1,123.20
Richelieu Hardware Ltd. (RCH): $1,359.30
Savaria Corporation (SIS): $977.90
Northland Power Inc. (NPI): $2,989.00
Calian Group Ltd. (CGY): $3,300.40
Canadian Utilities Limited (CU): $1,688.40
WSP Global Inc. (WSP): $2,415.25
Granite Real Estate Investment Trust (GRT.UN): $726.70
Cargojet Inc. (CJT): $3,493.34
Nutrien Ltd. (NTR): $2,946.00
TFI International Inc. (TFII): $3,501.60
Canadian Imperial Bank Of Commerce (CM): $3,277.20
SIR Royalty Income Fund (SRV.UN): $678.40
ATCO Ltd. (ACO.Y): $3,078.00
Aecon Group Inc. (ARE): $1,814.00
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $3,187.44
Metro Inc. (MRU): $2,052.00
Alimentation Couche-Tard Inc. (ATD.A): $539.40
Cash: $3,950.32

TOTAL: $
88,163.94

RSP investment portfolio: 
Emera Incorporated (EMA): $16,997.31
(OVV): $470.19
Toronto-Dominion Bank (TD): $2,256.60
Telus Corp (T): $2,672.00
Royal Bank of Canada (RY): $2,139.00
Savaria Corporation (SIS): $2,821.94
Thomson Reuters Corporation (TRI): $3,841.20
Park Lawn Corporation (PLC): $6,100.00
Richards Packaging Income Fund (RPI.UN): $1,527.24
Toromont Industries Ltd (TIH): $493.71
CAE Inc. (CAE): $2,816.10
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,531.85
Boralex Inc. Class A Shares (BLX): $1,404.00
Quebecor Inc. (QBR.B): $826.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $258.37
Brookfield Renewable Partners L.P. (BEP.UN): $1,273.00
Leon's Furniture Limited (LNF): $563.89
Cash: $371.73

Total:
$50,364.38 

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $
3,122.69

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

GIC BN: $1 364.49        

Manulife Fidelity NorthStar GIF CAP B: $
1 797,85
Manulife Simplicity Growth Portfolio: $1 495,98
Maritime Life CI Harbour Seg Fund: $1 395,58
Maritime Life Fidelity True North Seg Fund: $1 257,27
Manulife GIF MLIA B World Invest: $1 333,64
Total: $7,280.32‬

Other various
: $16,154.01

TOTAL: $79,365.64

Social Capital at Desjardins Membership share: $35
Online money: $18.19
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$301,490.87‬
On the date of February 5, 2020

My debt situation on date of February 5, 2020

Margin account: $47,055.01‬ @ 5.50%    
Annual interest: $2,588.03 
On the date of February 5, 2020  

**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

Tuesday, January 28, 2020

My dirty little secrets about my margin account: the true and only the true

It's unfortunate, it was going to happen sooner or later, but yesterday, the TSX lost 122 points, but today, the TSX gains 58 points. At now 17 500, the TSX is not in bad shape. The damage made by the coronavirus to my portfolio is minor, at least for now. My non-registered portfolio closed yesterday session at $122,720.67, my TFSA portfolio at $86,419.31, and my RRSP portfolio at $50,806.35. Today, my numbers are on a higher note. My non-registered portfolio closed today at $123,180.46, my TFSA portfolio at $86,683.45, and my RRSP portfolio at $50,952.25.

I still have a close to 4k in cash inside my TFSA portfolio that is only waiting for me to be investing. These days, I am always facing the same things over and over again. I have to say, I am still watching closely Lightspeed POS Inc. (LSPD) from time to time. Yesterday, LSPD lost 7% in value, and today, the title gains 5%. LSPD is the perfect stock for day trading or performs what I like to explain as hit-and-run hot moves. With such moves, you buy, but only to obtain one thing: quick hot cash. While facing the coronavirus, the stock market remains volatile and is quite sensitive to the situation. But on the other hand, it's quite boring to have some cash in my TFSA portfolio account, doing strictly NOTHING. That coronavirus is not scary me, but I won't visit China anytime soon. Asia doesn't interest me, the exception maybe of Japan.

A good thing about speaking French is that it allows you to read documentation written in both French and English. Currently, I do not have access to Stockopedia and I am kind of lost, I just don't know what to invest in. The tool I had been using for something like 3 years had been taking away for me. Well, take that little Ukers, I don't need you, I have absolutely everything I need straight in my face. Inside my RRSP, I had been holding on to CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) for a couple years and alone, CGI Group Inc. had been one of my best investments. And today, I read this French article in La Presse. Take a wild look at this beauty, the overall chart of
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A):

Have you ever seen a better chart? Simply amazing! While I am desperately trying to find a new investment for my TFSA portfolio, why not being smart and invest in a solid rock like GIB.A, instead of investing in a stock like Lightspeed POS Inc. (LSPD), who's more of a stock for players than a stock for investors. You needed to see this for yourself, I do not need Stockopedia, I do not need it at all. I may place my investment move tomorrow in GIB.A, but nothing is 100% sure. GIB.A is not paying dividend, it might be it's only negative point.

Other than that, another real fantastic stock of mine is performing quite well these days: Metro Inc. (MRU). Today, MRU announced an increase of their dividend. MRU is another great stock to invest in. Actually, I could do an half-half with GIB.A for my TFSA portfolio.

As for the dirty secrets, my confession: I basically used my margin account like my banking account. I used my margin to pay my expenses, and whenever I received paychecks, I pay down my margin.

 
With my upcoming paycheck, my savings will raise to 4k, and it will be great.

Thursday, January 23, 2020

Those days, Canadian investors are being treat well by the TSX - and that include ME


My TSX closed on a good 17,621.78 points. Today, it was only a 21.92 points gain, but in my world, any gain, no matter as small as it can be, worth celebrating. Don't you ever forget that everything that go up, sooner or later can go hit the ground in a matter of nothing at all, just to smash you down. I may be getting closer to my first $300 000 - this sounds quite good - but it's no time to get arrogant. For the TSX, the 18 000 points are no longer that far away. And it's what I need to hit on my magic number. Let's not forget that I currently need less than $48 000 to make it happen. 

With a potential epidemic crisis coming straight from China, I am not quite sure if this is the right time to invest in anything new. And guess what, I don't even feel into investing in something at the present time. Nothing is really moving me. Things can remain as they are for my portfolio because everything is ok. My investment portfolio is much more than just a gorgeous thing that I keep exhibiting over, over and over again my blog. It's all heart and soul. In my case, my portfolio is a work of art and perfection had almost been reached. I may post another update my portfolio this weekend - again, if the TSX closed tomorrow on a gain, no matter how big, or how small. I am simply asking for a gain.

I know that rather than having a 4k in cash laying in my TFSA portfolio doing nothing, I should get it transferred over my non-registered to pay down my margin, but as explain previously, owning money inside a TFSA portfolio is a privilege, it should remain there. I do not believe in RRSP. RRSP is a trick that the government came with to make even more money on the back of poor citizens. Once you retired, you have to pay huge amount of tax on that money. Sooner or later, you have to pay. I only contribute to my RRSP via my job, but other than that, I won't ever contribute of my hard earn money to a RRSP. It's way better to use the TFSA and non-registered portfolio. That way, you can do whatever you want with your money, and you can benefit from it whenever you need it. I regret investing that much in my RRSP portfolio. I would have like to have it inside my TFSA or non-registered portfolio instead. RRSP is nothing more than bullshit.

Monday, January 20, 2020

Celebrating my $251,997.99 highest net worth value EVER with... a Conair Unbound Cordless Curling Iron!

This week had been quite amazing for my portfolio. Day after day after day, my portfolio followed the TSX and simply did what it needed to do: skyrocket high. It's been a fun past week. I do not remember experiencing such growth in a short period. Actually, I do not remember having my TSX on such positive gains for that many days in a row. Days like that need to be enjoyed and remembered as happy ones, because you never know what is going to happen next for the stock market.

While I was freezing in Montreal today - I am quite sensitive to the cold weather, despite being a cold bread New Brunswicker - my TSX did it again! Today, the TSX closed on a positive gain, at now 17,597.39 points, my TSX is better than ever. I didn't have time to write anything about it this past weekend, but you may have noticed, I published - again - a portfolio update. And the good news is that I am currently on my highest value EVER: $251,997.99. To celebrate my first $250 000 net worth value that I reached just a few days ago, on January 16, I bought myself... A MEGA HUGE DIAMOND RING lol. Na, just kidding..... But I did buy myself a little treat. I bought a cool gadget for my hair: the Conair Unbound Cordless Curling Iron.



As you can see, it's a must-have, even for girls who have curly hair like I have. It's nice to have some define curls withing the hot mess of hair. I bought mine at Shoppers, paying $140+ taxes for it, but it's money well spent. I just adore my new Unbound Cordless Curling Iron. I like this tool because it's quite quick to heat on and making amazing curls is easy as 1-2-3. Another thing that I love is that you cannot burn yourself by using this curler.

On this amazing day for the TSX, my non-registered portfolio closed today session at $123,112.64, my TFSA portfolio at $86,822.18, and my RRSP portfolio, stocks only - $50,321.30. During that time, Jean-François Tardif's JFT Strategies Fund (JFS.UN) is not even strong enough to be able to make it to the $15 per unit. I mean, come on! I am glad not to hold any JFS.UN in my portfolio. I want to hold to the best of what the TSX has to offer, and that excludes  JFT Strategies Fund (JFS.UN. Smart investors don't invest in some funds that are managed by Quebec managers. It's quite an easy task to figure out bad investments from a good one. Fact that Jean-François Tardif is a well-known investor doesn't change the fact that his JFT Strategies Fund (JFS.UN) had been made for morons only, which may be strictly for Quebecker investors ONLY. I clearly see where I don't want to see my beautiful money in, but it's quite harder to find what to invest that cash that I hold inside my TFSA portfolio. I have close to 4k in cash in my TFSA portfolio, and I just have no clue what to do with it. Jean-François Tardif is of no help at all. In a portfolio, there's just no place for mediocre fund managers like Tardif. Don't get impressed by the look, the speech, the manners. What you really need out there are investments that will who are stronger then you are. No time for bullshit like JFT Strategies Fund (JFS.UN).

For I think the first time of my investment life, I am in no rush to invest my money in something new and I just don't care much. It's quite unfortunate, but I no longer have that $4,942.63 in cash inside my savings account because I had: to pay my rent, and pay some credit card bills. So there will be no diamond ring, too bad! :-))))
 

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