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Tuesday, October 8, 2019

No, the TSX is not that warm sweet place to be

Things are not super hot for the TSX right now and in result, my beautiful portfolio had been taking the hit. In time like these, the best thing to do is really to stay out of the stock market. I, of course, follow the TSX every day, but it's obviously not fun to see my TSX going down because it's also unfortunate but if the TSX goes down, so is my net worth! This is an exact real-life illustration of what happens when you are almost 100% invested in stocks. When you are almost 100% of your assets are invested in stocks, your net worth value totally depends on the good willing of the stock market. It's not fun to see all that you own going down during downturns. However, I can say for sure that if it wouldn't be from my investment in stocks, I wouldn't have as much as 220k+ on the date of today. There's really a hard part that comes from investing in stock, and I feel that no one exposes the reality as it is. No one ever explained how sick to your stomach you'll get when the TSX goes down. All of those rollercoasters drives are hard. And at a point, I get enough of it, but I am not where I have enough yet for myself. And sincerely, when I will be on a net worth of 300k-350k, I will sincerely be thinking about my options. 

BUT - on the other hand, all of that market stuff, as good or bad it can get, it's pretty addictive, so what else can I say? I guess I am pretty much in here stuck for many many years ahead. So that way, you'll have plenty of posts to read. Being almost 100% invested also comes with many rewards and the ultimate reward happens whenever the TSX reached it's the highest value. Whenever such awesome events happen, when the TSX is at top of the game, well, guess what, I am also on top of my game. There's just no better feeling in the world than to know that yes, I am a good investor, I kick ass and from time to time, I am getting that heavy overflow super feelings of over joy and over satisfaction.

Today is just another say on the TSX. It's quite frustrating because I was all set to hit on the $250 000 net worth, but bang!, TSX bitch decided otherwise. Better luck next time, sexy shooter.

Thursday, October 3, 2019

A word or two about finding new investment ideas

It's so hard these days to be an investor! I remembered the "old days", but I won't name them as "good old days" when I first started my investment journey. Everything was new and fun. And I had plenty of investment dreams. Shortly after came the 2008 stock crash. But it didn't stop me from investing in stocks. During that time, I invested in FTS, CNR, BNS, MX and so many other great stocks that I still own today. With time, the most difficult part had become to find new stocks to invest in. At a point, it's become a bit of an obsession. However, over the years, I had calmed down. And among the way, I had been offered Stockopedia on a silver plate.

It can be quite difficult to be an investor. Yes, we have Derek Foster, Susan Bunner, which are my main 2 individual sources. Before, I had Jean-François Tardif, but he's not around much anymore and his JFT Strategies Fund (JFS.UN) is really not a good fund to invest your money in. You can check out the section "Argent" from La Presse, or wait for Richard Dufour to come with the next best thing. Or read The Globe and Mail, Yahoo Finance, or the Financial Post... From my experience, the regular press is not exactly a good source of information on how to target your next best thing. In the past, I had found SIS by reading Richard Dufour, I own him that one, but other than that, I never really get any extraordinary stock by reading the regular press. Other than Derek Foster and Susan Brunner, I don't really trust nobody. I never came across a blog and told myself: wowwwww, I am going to follow this one, and I absolutely know for sure that I won't be wasting my time.  Unfortunately, I am standing alone, or almost because of who do you want me to get really good investment ideas, if it's not me? Isn't the reason why you are fooling around here? Fact is, Quebeckers are not good investors, or, like Jean-François Tardif, they don't last long, but New Brunswickers are for sure. We are simply the best at handling this kind of shit party. Who else can I be other than a great New Brunswicker. You simply cannot make it without me.

At a point, you may ask yourself, ok but what's the fuss about getting a new investment idea. Why do you always something new? Well, it's just an idea of my own, in order to not miss any great opportunity that may come by. By pushing myself in that direction, I made really good investment "discovery" by my own, most of them where actually find on Stockopedia: Park Lawn Corporation (PLC), Toromont Industries Ltd (TIH), Calian Group Ltd. (CGY), Granite Real Estate Investment Trust (GRT.UN), Cargojet Inc. (CJT), TFI International Inc. (TFII) and Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A) - those are stocks that, if I remembered correctly, I had found on Stockopedia. When I find a new stock, I am usually pretty good at telling right away from where that super great investment idea is coming from, from which source.

If you are looking to get some free quick international financial news, check out Finimize.

Wednesday, October 2, 2019

It's getting usual on the TSX

It's been another rough day for the TSX, but at least, we are still in the 16 000 points. It's quite interesting to see how quickly the TSX can gain or lose points... Sometimes, quick gains period are being followed by big drops... Also, the fact that we are in an election period in both the US and Canada is not something that is helping my case. Anyway, the good news is that we saw the TSX in the 16 700 points. We had been there, we can make it again in a close future. Now the 16 700 points are just business as usual kind of number. It's not an impossible or unknown number for the TSX anymore.

It's of course never fun to see the TSX going on, but this is nothing usual. The stock market is always going through some crazy ups and downs. In a certain way, it shows it's vitality and for me, the TSX is more than a market place. It's almost like an entity of its own and doesn't stop growing, no matter what. I am quite happy, nevermind the TSX because I have an upcoming vacation to New Brunswick coming up and the best thing of all, it's happening during the hunting season right in time for Thanksgiving! I am always super excited around this time of the year, for all of those reasons. The weather is getting colder and we can easily feel that change is coming up, in all kinds of different aspects. I like this current type of weather. It is making it a lot easier to wear makeup, among other things.

My non-registered portfolio closed today on $115,010.71‬, my TFSA portfolio at $79,599.63 and my RRSP portfolio at $46,018.21. For now, I don't have any investment idea in mind, especially knowing that I have a few vacation days coming up, and after that, Christmas will be coming in a hurry, so I don't think I will be making any new investment move for 2019. However, I am still looking from time to time for stocks on Stockopedia. I am still taking a look at some of my favorites that I don't own yet like for example Mainstreet Equity Corp. (MEQ). Why I don't own that fabulous stock in my portfolio? Other than that, I am quite happy not to be holding to any Lightspeed POS Inc. (LSPD). I had played on LSPD at the right time. I wouldn't be tempted at all to perform day trading on that one, that's for sure. LSPD had its time of glory, I made a bit on it, and now its time to move on.

Lightspeed POS Inc. (LSPD) is no longer a TSX little darling, trust me on that one. Now is not the time to play on the TSX.

Tuesday, October 1, 2019

Godd day for Nutrien Ltd. (NTR) investors

I don't own this stock, but I often read about it on Susan Brunner stock: Dorel Industries Inc. Today, Dorel announced the suspension of their dividend, and of course, it automatically caused a big drop in Dorel stock value. I have never been interested in Dorel Industries Inc. because it chart always been rocky, but now, that stock is almost dead. It's sad for the current stockholders of Dorel, but I am not one of them.

I have however other problems of my own. Recently, Nutrien Ltd. (NTR) had been on my radar. Recently, I notice that NTR value had decreased and it really tickled my nerves. I didn't proceed with any move regarding NTR, and it's actually a good thing that I didn't. Sometimes, laziness pays off. Yesterday, NTR announced the acquisition of Ruralco Holdings Limited (Ruralco), a business based in Australia. Who knows, maybe this is what Nutrien Ltd. (NTR) really needed in order to perform better, and maybe reach the same performance as the late Agrium that I miss oh soooo much! 

The TSX went all down today. I am not surprised. It was fun to be in the 16 700 points, but it didn't feel natural. I am now just really happy did I actually post an update of my portfolio back on September 20. That way, I have something good to look at on days like today, when the TSX slides down.

Wednesday, September 25, 2019

Welcome in my TFSA portfolio Metro Inc. (MRU)!

I made my move today! I had sold all of my RioCan Real Estate Investment Trust (REI.UN) shares. I used that money, and the cash I already had in my TFSA portfolio to invest in  Metro Inc. (MRU). MRU appears in the pages of the latest Les Affaires. Also, MRU was in my latest list of stocks found on Stockopedia. It took me a couple of days, but I think that investing in Metro Inc. (MRU) was a good choice for me. The list of stock that I hold inside my TFSA is now much longer than my non-registered portfolio.

The TSX closed behing the 16 800 points, but no dramatic changes had happen, at least not yet. My non-registered portfolio closed today session at: $118,440.76, my TFSA portfolio at $80,482.35, and my RRSP portfolio at $46,718.01. While checking over the numbers, a couple of things catch my attention:

-My investment made in Kinder Morgan Canada Limited (KML) is on a little gain. It seems like we are not hearing back from PPL regarding this acquisition. Would it be better for me to sell my KML shares to finally pay down my margin account?
-I had invested today in Metro Inc. (MRU), but I already had a few shares of a competitor in my non-registered portfolio: Loblaw Companies (L). However, I do not regret my move to MRU. This new investment adds diversity in my portfolio - it would have been too easy to invest in just new REIT stocks. And MRU is cheaper than L. MRU overall chart is: PERFECTION. I was desperately in need in my portfolio. MRU has a good StockRank on Stockopedia.

-Currently, one of my favorite stocks of all time, New Flyer Industries Inc. (NFI), seems to be on a trouble dance, despite announcing an amazing deal in the UK not too long ago. Also, good news keep coming in, like this one and this one, and even this one. I am still on a +130% gains with NFI inside my non-registered portfolio, but it keeps going down in value...
-Inside my TFSA portfolio, Canadian Imperial Bank Of Commerce (CM) is on a gain of 0.28% (despite the little gain, it's still a celebration because CM had been down in my portfolio for quite some time).
-Again inside my TFSA, I am on a gain of 0.85% on TFII - I am thinking about selling this one, but I don't know for sure. I would like to have stocks on steady gain - that's why I had sell REI.UN, and that's why I may sell TFII.
-You will never know how much I miss my late Agrium stocks. With Agrium, I was experiencing over the top capital gain. But ever since Agrium had converted into Nutrien Ltd. (NTR), I had a miserable experience. Currently, NTR is on a slim 4.41% gains. I am secretly thinking about selling this one. I am tired of stocks who are driving me nowhere.

Tuesday, September 24, 2019

Surprise: I have a new investment for my very awesome portfolio!

This past weekend, following the extraordinary results at the closing for the TSX, I had no choice, I had to publish an update of my investment portfolio because I knew the numbers were about to make be look good, like a Queen of the Queens. And I was totally right. On the date of this past Friday, my net worth was of $231 531.13. I could beat up my highest net worth value ever ($232 609.15, which was on the date of August 3, 2018). The TSX closed today under the magic 16 800 points. Personally, I am happy whenever the TSX is exceeding the 16 600 points.

I just don't understand the moves of the Democrats in the US, pushing forward for the destitution of Donald Trump, especially since they are so close of another election cycle. I remember reading that the Democrats leader wasn't in favor of moving forward with a request for the destitution of Trump - and that wasn't too long ago. So I don't understand why now the Democrates are moving forward. It could be that they are afraid that Trump is going to be reelected. All that drama is going to cost a lot of money to the US.

I had been moved by Greta Thunberg message. I already recycle. I live alone and I full one big blue transparent bag per 2 weeks. I began to check on stuff I could improve, to reduce my waste. First of all, it's really unfortunate, but being a woman create more waste than being men. I guess I don't have to explain why. On that matter, knowing that I create waste because of that special female condition, I am trying to cut on another type of waste. Among my daily waste: make-up remover cotton pads. That purchased was easily made. Make-up remover pads can be expensive. I use between one to 2 of them every day. I bough a bungle of 8 reusable ones, which will help me to save money on the long run. Another waste is when I buy coffees.. I plan to buy this Collapsible Pocket Cup, in pink of course

I admit it, it took me some time, but I had set my mind on a new investment idea: Metro Inc. I know, I am surprise as well, but Metro is a reliable stock, a super perfect match for my portfolio.

Friday, September 20, 2019

My investment portfolio on date of September 20, 2019

Cold cash: $2,001.55‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,735.75
Methanex Corporation (MX): $4,952.24‬
Fortis Inc.
(FTS): $7,025.76‬
Pembina Pipeline Corporation (PPL): $31,971.60‬
Corby Distilleries Limited (CSW.A): $2,355.03
iShares S&P/TSX Capped REIT Index (XRE): $3,083.85‬
New Flyer Industries Inc. (NFI): $3,263.40‬
TMX Group Inc. (X): $927.76
K-Bro Linen Inc. (KBL): $3,741‬
TransCanada Corp (TRP): $1,715.25
Canadian National Railway Co (CNR): $10,701‬
Enbridge Inc. (ENB): $15,714.85‬
Emera Inc. (EMA): $1,442.5‬0
BCE Inc. (BCE): $1,411.74
Saputo Inc. (SAP): $1,626.40‬
Loblaw Companies (L): $898.56‬
Savaria Corporation (SIS): $6,203.60
WSP Global Inc. (WSP): $3,900.5‬0
Aphria Inc. (APH): $1,630‬
George Weston Limited (WN): $112.01
Kinder Morgan Canada Limited restricted voting shares (KML): $4,482

TOTAL: $118,894.80

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): ‬$1,664.96
General Mills Inc. (GIS): $1,738.56‬
Cash: $0

TOTAL: $3,403.52‬ USD: $4,512.05‬ CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $929.95‬
CT Real Estate Investment Trust (CRT.UN): $1,450
Canadian National Railway Co (CNR): $4,756
Exchange Income Corporation (EIF): $39.45
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,241.10‬
Brookfield Renewable Energy Partners L.P. (BEP.UN): ‬$1,494.60
Andrew Peller Limited (ADW.A): $‭2,388.50‬
Toronto-Dominion Bank (TD): $1,531.60
Boyd Group Income Fund (BYD.UN): $5,431.20
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,822.70‬
Data Communications Mgmt (DCM): $5.88
Morneau Shepell Inc. (MSI): $2,859.30‬
Royal Bank of Canada (RY): $4,318.40
Park Lawn Corporation (PLC): $1,570.80
Toromont Industries Ltd (TIH): $2,561.20
BCE Inc. (BCE): ‬$577.53‬
Northview Apartment Real Estate Investment Trust (NVU.UN): $4,410
Sienna Senior Living Inc. (SIA): $1,547.20‬
Boralex Inc. Class A Shares (BLX): $901.20
Richelieu Hardware Ltd. (RCH): $1,179.44
Savaria Corporation (SIS): $835.10
Northland Power Inc. (NPI): $2,502‬
Calian Group Ltd. (CGY): $2,561.88
BMO Bank of Montreal (BMO): $1,951.60‬
Canadian Utilities Limited (CU): $1,634.64‬
WSP Global Inc. (WSP): $1,950.25‬
Granite Real Estate Investment Trust (GRT.UN): $639‬
Cargojet Inc. (CJT): $2,887.82
Nutrien Ltd. (NTR): $3,423.50
TFI International Inc. (TFII): $3,206.40‬
Canadian Imperial Bank Of Commerce (CM): $3,333.30
SIR Royalty Income Fund (SRV.UN): $1,123.20
ATCO Ltd. (ACO.Y): $2,880‬ 
Aecon Group Inc. (ARE): $1,884‬  
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,726.50
Cash: $1,345.47

TOTAL: $80,913.63

RSP investment portfolio: 
Emera Incorporated (EMA): $16,617.60
EnCana Corporation (ECA): $705.24
Toronto-Dominion Bank (TD): ‬‬$2,297.40
Telus Corp (T): $2,453.50
Royal Bank of Canada (RY): $2,159.20‬
Savaria Corporation (SIS): ‬‬$2,409.86‬
Thomson Reuters Corporation (TRI): $3,193.20
Park Lawn Corporation (PLC): $5,236‬
Richards Packaging Income Fund (RPI.UN): $1,320.99
Toromont Industries Ltd (TIH): ‬$448.21‬
CAE Inc. (CAE): $2,337.30‬
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,613.05‬
Boralex Inc. Class A Shares (BLX): $1,126.50
Quebecor Inc. (QBR.B): $784.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $266
Brookfield Renewable Partners L.P. (BEP.UN): $946.58
Leon's Furniture Limited (LNF): ‬$539.58‬
Cash: $49.61

Total: $46,504.07     

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:

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

GIC National Bank: $1,342.86              

Manulife Fidelity NorthStar GIF CAP B: ‬$1,724.37
Manulife Simplicity Growth Portfolio: $1,419.04
Maritime Life CI Harbour Seg Fund: $1,302.09
Maritime Life Fidelity True North Seg Fund: $1,191.65
Manulife GIF MLIA B World Invest: $1,244.39‬
Total: $6,881.54‬

Other various: $14,524.11

TOTAL: $73,315.32

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
On date of September 20, 2019

My debt situation on date of September 20, 2019

Margin account: $48,141.22 @ 5.50%
Annual interest: $2,647.77
On date of September 20, 2019

Tuesday, September 17, 2019

Damn! Have a look at a girl with a $230,902.04 net worth!!!!!

All-day long, the TSX amazed me. I refresh at a different time of the day, and I was quite shocked to see the TSX exceeding the 16 800 points. The TSX finally closed the day on a happy 16,834.75‬ points. Despite feeling a bit tired from my day of work, I knew I really had to update my portfolio. After all, we don't know what tomorrow will bring. Every new day is a different day for the stock market. So I wanted to celebrate those brilliant 16,834.75 points in my own little way. I published an update of my portfolio.

My numbers are quite strong. My non-registered portfolio closed today session at $118,767.77, my TFSA portfolio at $80,633.94, and my RRSP portfolio at $46,287.28. With a margin account debt of $47,921.23, my net worth is currently made of $230,902.04. It's pretty good, especially knowing how rocky the year of 2019 had been. And I don't know if you remembered, but I had started my 2019 financial year on quite a bad note. Back on January 4 of this year, I only had $238 656.07 in assets, and my net worth was well below the 200k - my net worth was at a low $191 009.83. Within 9 months, my net worth gains $39,892.21, which is quite good. 

It's quite good, but don't get fool by this $230,902.04. It might look impressive at first, but the fact is, I had in the past hit on higher net worth. The highest value I ever reached of my life was back in August 2018. At that time, my net worth was at $232 609.15. It's unfortunate, but the crisis in the Middle East is probably going to push the TSX over the 17 000 points quite soon. I just don't really get what had happened, but it seems to me that it wouldn't take much for us to be facing a Third World War over the recent events. I don't get a feeling that any world leaders are getting stress over this. It's almost like nothing had happened. And the TSX just continue growing and growing. I often tell you so, but I stopped trying to understand the stock market a long time ago because a lot of it simply doesn't make any common sense at all. In a time when war could be imminent, why the stock market is celebrating and making great gains? This stock market thing is all shit and doesn't smell good. It's not a healthy place to be as a person. Personally, I am fully taking advantage of the situation. It's not making me a bad person, I am just taking advantage of the situation. I had been investing for the past 11 years now and trust me, it hasn't always been fun. It actually had been the hell of a tough ride, but there's nothing I cannot handle. Trouble ahead? Please bring it on. I am ready. I had patiently been waiting for a recession to show up. In the meantime, I am enjoying my place on the TSX like a Queen. It's for moments like this that I am investing. To feel better than myself.

I am celebrating now my $230,902.04 net worth because you never what tomorrow will be made of.

Right now, I would like to just have a good idea for my next investment, but nothing had been happening lately. No magic, no new investment, just a sexy net worth.

My debt situation on date of September 17, 2019

Margin account: $47,921.23 @ 5.50%
Annual interest: $2,635.67
On date of September 17, 2019

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

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