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Thursday, 14 July 2016

Welcoming MRG.UN and PLC in my portfolio! Go go go!

I always wanted to visit Nice, the south of France. Its hard to believe what happen in that paradise city today, especially on the day of their national celebration. These days, everything and anything can happen. We had tragic events of our own in New Brunswick a few years ago when Justin Bourque shot 5 RCMP officers, killing 3 of them, in Moncton. It was the attack of a man suffering from mental illness.

I am soon about to hit to New Brunswick for my vacation so I decided it was time to buy my bus ticket... I took the metro yesterday and I almost suffocated. It was so hot. I may by turning 36 years old, but I was asked by the rep if I was a student... You just cannot know how much I was happy. Especially knowing that 20 years ago, I was celebrating my sweet sixteen, and now at 36, what am I celebrating? Well, I thing I can highly celebrate the fact that I don't do my age. Thank you God, the angels and all the saints. For now, time had stopped at, let say, at my 27 birthday or something like that. Its acceptable for now.

Air doesn't circulate in my little apartment and I am burning in the hot heat, but it was even worst yesterday. I am now vacation ready and I can't wait to escape Montreal, even if its for a few days. I am getting tired of browsing Stockopedia, its going to be nice to be away for a little while. I don't worry for my portfolio. I have $26 000 left on my margin, I should be fine. I guess that my net worth is about of 162k-163k for now. If the whole Europe shut their mouth until August 27, I may be able to celebrate my 36 birthday with a 170k net work if the TSX hit on the 15 000 points or less.

I secretly bought some Morguard North American Residential Real Estate Investment Trust (MRG.UN) stocks hoping it will go high. As for Park Lawn Corporation (PLC), it went for my RRSP. I think I made good choices with those two. I am not in a rush to sell MRG.UN but I am in need of money. Its probably about $800 that I am going to spend for my vacations so yeah, Stockopedia is better be my next everything. We'll see.

So have fun on Stockopedia until you overdose and enjoy the summer until August 27.

Tuesday, 12 July 2016

Discovering Park Lawn Corporation (PLC) via Stockopedia

We had a disastrous and grey weekend and now, the weather is just way too hot, and tomorrow is going to be just worst. Its the perfect time to hit out at the gym right after work because I really cannot stand the weather outside. Its just very awful.

My non-registered portfolio closed at $140 643.86, but that's only because I continue what I began on June 24. I sell again a few stocks, actually 2 today: PGF and CPG. I wanted to sell those 2 for a long time and now it had been done. I registered a small capital loss, which might be less than 1k. I wrote it somewhere. I am now using $64 701.67 of my margin money. My TFSA closed the session at 
$39 914.01. I cannot wait to hit on the 40k in there.

I continue having fun with Stockopedia, which I talked about yesterday. I went through lists and lists of stocks. Here is what I try to find while browsing Stockopedia. I want to play, but I don't want to lose money.

-NO penny stock - nono for now.
-I try to find stock that exceed the value of the pre-2008 stock crash and I am looking for a perfect high rocket chart - nothing else. I want perfection.
-Company paying a reasonable dividend (the yield shouldn't be too high, if not, I find its a sign of a bad management).
-Companies that have a good "StockRank" - its a feature related to Stockopedia.
-A few screens feature if possible.
-A good "magic formula" - another feature you'll find while browsing stock on Stockopedia.

Stockopedia gives user access to many stocks. My old Sugar Rogers - which I really hate - appear in a few screening.... And of course, that along make me doubt of the good being of some screenings. Anyhow, you should see Stockopedia and simply ignore the stocks that you don't like anymore - like for myself - Rogers Sugar.

I spent number of hours. And once again, Stockopedia is interesting. Its a tool. But you should consider making your investment decisions while respecting your own logic, the same way you do usually. I think that's really important. don't underestimated yourself over a "machine". Heart and reasons are the best tools of all.

And to continue on the same note little critic, if Stockopedia would be that powerful, the founders wouldn't be out there still working 9 to 5, simple as that. Once you find something of interest go check it on the TSX web site, just to make sure that the essential info - like chart and dividend match to what is on Stockopedia. Not that it doesn't match, but don't rely on anyone else than yourself for any decisions you'll make. I saw some dividend info that didn't match actually.

Ok, so before I try to go to sleep, here are the two marvelous stocks that I really want my readers to learn about:

Morguard North American Residential Real Estate Investment Trust (MRG.UN)
Park Lawn Corporation (PLC)

PLC is very interesting. Since I still have about 3k cash inside my RRSP, I may invest a bit in PLC tomorrow. As for MRG.UN if you feel like playing on the market and want to do a quick buy and sell, well, I cannot promise anything - but this could be a good one.

I lost track of the contribution room left for my TFSA. Until I figure it out, I may play on my margin, just for fun and we'll see if Stockopedia is the kind of thing that can do me well. Park Lawn Corporation (PLC) had been around since 1892. This one is for Gothic investors. I am a Gothic investor now I guess.

While browsing Stockopedia, I also but aside the following Canadian tickets. Are you ready? There you go:


I just save you hours of work!

HWD is another interesting stock. And also RPI.UN.

At a point, I really came to the conclusion that I already have a portfolio jam pack of very very good Canadian stocks. I just need to keep on moving and I will be sitting on a 200k net worth in no time. What are those very good stocks? Subject to be talk again later.

Monday, 11 July 2016

Hello net worth of $161 998.64, please stay around forever

It rain most of the weekend and on Saturday morning, it was quite cold. Before hitting to the gym, I took time to update my portfolio and debt. It all result with a net worth of $161 998.64, which is probably of 162k+ today because my non-registered portfolio alone closed the session at $140 524.65. So its all going pretty well and pretty strong. I am doing very well with my Savaria Corporation (SIS). I am very proud of this one. I place my SIS investment inside my non-registered portfolio using margin money. You'll notice that I have a new debt holding next to my margin. I am trying to keep my margin usage at not more than 65k. I decided to take money from one of my credit line to secure it. Luckily, the interest rate of that credit line is only of 4%. My margin debt is currently of $65 714.38.

I spent quite some money this summer and in result, I didn't have any fresh cash available to invest when I discovered SIS. Even if I feel like I have nothing to wear and that I would really like to purchase a new pair of sandals and a new bathing suit for my upcoming vacation, and new summer dress, well believe it or not, I am purchasing anything new for my wardrobe until, at least, the end of the summer. 

One other thing that is helping me a lot to save money is that I stopped coloring my hair a couple weeks ago. I have an amazing hairdresser who was able to wash away all of that sexy red shade I used to have in my hair to return to my natural color, which is more blond than red. I used to get my hair coloration done every 4 to 6 weeks at the salon. Imagine the kind of money that I am saving now! And I think I look better with my natural color anyway. Maybe its because I am getting older. Remember, I will be turning 36 on August 27!!!!!!!!!

And believe it or not, I have received a birthday gift BEFORE my birthday, that is cheating, but its not a gift coming from me-to-me like my Aldo purse that I got a couple of weeks ago: its much more interesting and coming straight from the UK, can you even believe. I received a trial for Stockopedia. I had been using it for only 2 days now, but I really like it. Honestly, Stockopedia is an amazing tool for any investors. For someone like me who's always in search of something new to invest in, trust me, I am having a fun time going through all kind of stock lists. The site is rich of all sort of articles and really easy to consult. Each Canadian stocks have its own page that contain the regular info you can find in your broker account + extra info you won't find anywhere else, like different kind of rankings that give you an idea of what's behind all of those numbers that you never truly understand. Different screening give investors nice options for stock search. Instead of waiting for Susan Brunner, Derek Foster or Jean-François Tardif to came over with the stock of my dream, I can just jump in the pool and search, search, search! YEAH! Fun? Oh yes.

I started this blog almost 10 years ago and ever since, my journey had been mostly about what will be my next investment. The ultimate search that have no end to it is to find my next Methanex Corporation (MX), Premium Brands Holdings Corporation (PBH), New Flyer Industries Inc. (NFI) or Exchange Income Corporation (EIF) - stocks I made several thousands on. What's going my next best thing? For now, its SIS, but tomorrow, it could be something else.

I could go through all of the TSX stocks, look at the chart of all of them, one after the other, but that will be exhausting and will required a lot of my time. All this to say that Stockopedia offer different direction and option for all of your searches. And its really enjoyable. You may want to give it a try. Even if your not the Dividend Girl, you can have a 14 days free trial with Stockopedia!!! Aren't you so lucky? Have fun and enjoy!

Saturday, 9 July 2016

My debt on date of July 8, 2016

$4 900 at a low interest rate of 4% (credit line rate) = $196 in annual interest

$65 144.38  at 4.25% (margin money coming from my broker account) = 
$2 768.64 in annual interest
Total of debt: $70 044.38
[In date of July 8, 2016]

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

My investment portfolio on date of July 8, 2016

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.26
Bank of Nova Scotia (BNS): $7 204.80
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $3 692.55
Fortis Inc. (FTS): $4 949.40
Pembina Pipeline Corporation (PPL): $19 084.75
Just Energy Group Inc. (JE): $6 871.36
Pengrowth Energy Corporation (PGF): $549.70
Enbridge Income Fund Holdings Inc. (ENF): $11 447.79
Corby Distilleries Limited (CSW.A): $2 454.64
Davis + Henderson Corporation (DH): $7 171.68
Premium Brands Holdings Corporation (PBH): $26 126.69
EnCana Corporation (ECA): $2 129.30
iShares S&P/TSX Capped REIT Index (XRE): $2 654.96
New Flyer Industries Inc. (NFI): $4 244.40
TMX Group Inc. (X): $426.64
K-Bro Linen Inc. (KBL): $4 167
Westshore Terminals Invest Corp (WTE): $4 019.52
WesternOne Inc. (WEQ): $60.80
Kinross Gold Corp (K): $1 088.71
TransCanada Corp (TRP): $1 503.75
Canadian National Railway Co (CNR): $7 029
Enbridge Inc. (ENB): $1 508.08
Agrium Inc. (AGU): $3 022.50
Canadian Utilities Limited (CU): $1 638.42
Crescent Point Energy Corp (CPG): $439.34
Black Diamond Group Ltd (BDI): $128.50
Emera Inc. (EMA): $1 225.50
Cineplex Inc. (CGX): $1 282.25
BCE Inc. (BCE): $1 345.96
Stella Jones Inc. (SJ): $924.40
Saputo Inc. (SAP): $1 548
Lassonde Inc. (LAS.A): $1 845.90
Loblaw Companies (L): $830.40
Morneau Shepell Inc. (MSI): $1 643.40
Royal Bank of Canada (RY): $3 092.80
Savaria Corporation (SIS): $2 556

TOTAL: $139 909.16

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 205.76
Cash: $4.12

TOTAL: $1 581.68 US ($ CAN)

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $51.60
Dumont Nickel Inc. (DNI): $11.48
Sprott Physical Silver Trust UTS (PHS.U):
RioCan Real Estate Investment Trust (REI.UN): $1 040.55
Precious Metals and Mining Trust (MMP.UN):
Sprott Inc. (SII): $2 885.11
Data Group Inc. (DGI): $13.96
AltaGas Ltd (ALA): $926.40
CT Real Estate Investment Trust (CRT.UN): $1 551
National Bank of Canada (NA):
Canadian National Railway Co (CNR): $3 124
Exchange Income Corporation (EIF): $7 238.40
Firm Capital Mortgage Investment Corporation (FC): $550
Brookfield Infrastructure Partners L.P. (BIP.UN): $2 715.75
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 162.80  
JFT Strategies Fund (JFS.UN): $1 862.90
Laurentian Bank of Canada (LB): $964.40
The North West Company Inc. (NWC): $1 466
Andrew Peller Limited/Andrew Peller Limitee Unlimited Class B Share (ADW.B): $1 728
Barrick Gold Corporation (ABX): $1 162.80
Canadian Imperial Bank Of Commerce (CM): $1 456.50
Hydro One Limited (H): $2 681.55
Toronto-Dominion Bank (TD): $1 101
Boyd Group Income Fund (BYD.UN): $2 220
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 321.90
Keg Royalties Income Fund (The) (KEG.UN): $1 331.40
Cash: $80.16

TOTAL: $39 647.66

RSP investment portfolio: 

iShares Gold Bullion Fund (CGL):
Emera Incorporated (EMA): $12 255
EnCana Corporation (ECA): $1 074.60
Toronto-Dominion Bank (TD): $1 651.50
Barrick Gold Corp (ABX): $1 453.50
Stella Jones Inc. (SJ): $4 622
Telus Corp (T): $2 139.50

Alimentation Couche-Tard Inc. Class B Subordinate Voting Shares (ATD.B): $432.72
Royal Bank of Canada (RY): $1 546.40
Savaria Corporation (SIS): $1 704
Thomson Reuters Corporation (TRI): $2 127.60
Cash: $3 647.62           

CIBC Dividend Growth Fund: $708.90
CIBC Emerging Markets Index Fund: $441.12
CIBC Monthly Income Fund: $1 302.10 

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

GIC National Bank: $1 305.54

Manulife Fidelity NorthStar GIF CAP B: $1 205.63
Manulife Simplicity Growth Portfolio: $1 177.59
Maritime Life CI Harbour Seg Fund: $1 152.56
Maritime Life Fidelity True North Seg Fund: $1 456.63
Manulife GIF MLIA B World Invest: $1 028.93

Other various: $7 253.90

TOTAL: $50 767.06

Social Capital at Desjardins Membership share: $35
Pending online income: $102.44
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$232 043.01

(On date of July 8, 2016)

Monday, 4 July 2016

Welcome in my non-registered and RRSP portfolio Savaria Corporation (SIS)!

I invested in some Savaria Corporation (SIS) stocks last week. Ever since, I made over $69 with the 2 investments (non-registered and RRSP). SIS is already showing good signs of capital gain - which I really need at this time. I am pretty sure that my net worth exceed a bit the 161k that I hit on previously in the beginning of June. Unfortunately, I have no time for update because like thousand others in Montreal, we have a special date with Jamie Cullum.

Tuesday, 28 June 2016

Savaria Corporation (SIS): another investment gem?

I sometimes spot very interesting things in the Globe and Mail. And I of course like to expose everything for the benefit of my readers, lucky you are! One recently was this article. If you know any French, you can click here. Its very surprising, but this company located in Quebec province seem to have everything I am looking for. Really??!!!

With my darling K-Bro Linen Inc. (KBL), the money is in the clean linen, and it seem like with Savaria Corporation (SIS), money is in even MORE boring stuff. This time, go figure, its, among other, in elevators!!! Ahah!

Savaria Corporation (SIS), for a reason or another, remind me a bit of EnerCare Inc. (ECI). And of course KBL. Boring boring business but MAX of sexy cash.

Savaria Corporation (SIS) just keep growing strong, chart is all high and dividend distribution is reasonable. I am tempt to invest in this one inside my RRSP so I will be able to pay myself for a whole expensive body lifting in my old age - AND moving and earring aids.

Saying hello and goodbye to a bunch of stocks in my portfolio lately

I have real problem to understand the UK right now, but one thing for sure, with rumors of a second referendum, the Brexit is not behind us yet. Whenever the news talk about the Euro or something bad news related, the markets go down. And I feel that the markets react too strongly to everything related to the Euro. To which extend our economy really depend directly on the Euro? Is that really that of an important matter? Humanly speaking, its of great deal of course, but when its strictly about business, in my regard, I don't think we depend that much of the Euro. I may be all wrong, but its not for me of an extreme important capitalist matter. I wish the market could be a little bit more like me, cold down and relax a bit more.

Lately, as explain in the previous post, I sold and bought a couple of stocks.

In my non-registered portfolio, I sold off:
First Majestic Silver Corp (FR)
Colabor Group Inc. (GCL)
Hanwei Energy Services (HE)
Horizons Gold Yield Fund (HGY)
Lumenpulse Inc. (LMP)
The sell of those investments in my non-registered portfolio generated a capital loss of $2 557.71 that I will be able to declare next year. I had enough of holding those stocks in my portfolio. Later on this summer, I will be turning 36 and for my birthday, I want a few things, including a real pretty shiny investment portfolio AND an annual dividend income of $7 000. I am now very close to that last goal.
In an effort to increase my dividend gain, I had bought those two inside my non-registered portfolio:
Royal Bank of Canada (RY)
Morneau Shepell Inc. (MSI)
I wasn't much excited about investing in RY, especially knowing my personal historic with Royal Bank. You can read my story right here. It is strictly a business move. Royal Bank of Canada (RY) will never be a great love of mine.

On the other hand, Morneau Shepell Inc. (MSI) is much more interesting. MSI is in the human resources sector. William Morneau, our Minister of Finance used to be an executive chair of Morneau Shepell Inc. (MSI). MSI chart is sky rocket just like I love them. At 4.588%, MSI dividend distribution is fairly interesting for any income in needs investor like myself. Morneau Shepell Inc. (MSI) can certainly add income value to any dividend oriented portfolio.

In my search, I try to invest in related company. I try to stay away from companies who are just too generous with their investors. Let me say, I learn the hard way. Today, my non-registered portfolio closed at $134 784.19. I have left $21 708.06 in unused margin money, and the portfolio is at a gain of 38.96%. Generally speaking, the numbers are not bad. My margin is secured, and I am in business.
In my TFSA portfolio, I sold off:
Precious Metals and Mining Trust (MMP.UN)
Sprott Physical Silver Trust UTS (PHS.U)
National Bank of Canada (NA)
And I bought:
Boyd Group Income Fund (BYD.UN)
Keg Royalties Income Fund (KEG.UN)

KEG.UN is an old lover of mine, in the past, I used to have Keg Royalties Income Fund in my portfolio. I learn about this stock after watching The Desperate Housewives of Vancouver. One of the cast, Christina Kiesel, had been married to David Aisenstat, spectacular seductive man even if he had lost his hair. Maybe Christina is responsible for that, who knows. Anyway David, I am yours anytime you want.

KEG.UN chart is sky rocking high baby. And its dividend distribution, at 5.97%, is generous. So way to go Keg Royalties Income Fund (KEG.UN), welcome HOME, right here were you belong. Good stocks meet great investor goddess. For real.

As for Boyd Group Income Fund (BYD.UN), I read a good article about this company in the Globe and Mail. I invest a couple of thousands in this one in the hope that this stock will help me recover from my loses. BYD.UN pay unfortunately very little in dividend. So its not the best to reach my $7k income goal, but I made this move to diversify my portfolio and I am crossing my fingers so BYD.UN will grow big again in value in the future. I am very praying for that.

We are all in to win and make money, but time happen when an individual have to press the sell button and move forward. for me, I had reached that broken point. It hurt, but I am fine anyway.

Next please.
In my RRSP portfolio, I sold off:
JFT Strategies Fund (JFS.UN)
Stantec Inc. (STN)
Sprott Physical Silver Trust UTS (PHS.U)

I adore Jean-François Tardif, I love him very much. Since his dismissal from Sprott, I knew he was coming back. A man that taste money and glory cannot just move on under earth like that. and I was just so right about everything. And that, he started his JFT Strategies Fund (JFS.UN). JFS.UN sometimes pay an annual dividend and it sometime generated capital gain. I sold once JFS.UN and generated $500. My goal was to sell from time to time and make a $500 in my pocket. However, since inspection, I was able to generated a $500 ONE single time. This is all far from what I was expecting from Jean-François Tardif. I guess I just want too much but I am in great needs. JFS.UN had a management fee link to it, it doesn't pay steady dividend. And its capital gain movement is so-so... In result, I sell of JFS.UN.

I own a great deal to Jean-François Tardif. I had invested in Premium Brands Holdings Corporation (PBH) following his recommendation. So smart bitch. Now PBH is the proud of my portfolio. Kicking some ass, seriously. I need to find a new gem like PBH. Maybe Boyd Group Income Fund (BYD.UN) will turn into something really good like that.

I bought Stantec a little while back, but it never gain in term in capital value and it upset me. So bye-bye Stantec Inc. (STN)! OUT.

The last but not the least. Sprott Physical Silver Trust UTS (PHS.U) is a bad souvenir of my silver investment. I decided to sell because I have enough of PHS.U. I decided to move on.

I now have a bit more than 5k in cash that I didn't invest yet in my RRSP.

This resume my portfolio situation.

Saturday, 25 June 2016

Watch out! My investment portfolio is on the move: looking for positive changes

Of course, I was a bit concern on how the markets will react to the Brexit. Today's societies are very selfish and self-centered. Around the world, no socialist revolution can resist to that level of selfishness. The Euro zone by itself was a good idea. You could thing that countries located geographically so closed to each other would battle and build great politics for each others, but its truly not the case. I was shocked to learn that James Cameron was stepping down from his PM role. After all, the Brexit vote result was pretty much half and half, which mean that the UK is divided. There's no real one opinion in which people there believe in. A majority of 52% is not a real majority even if its being considered as is. Its a joke. 

A country doesn't vote when a PM decided when they enroll or not in a war conflict. Our country sell weapons to Saudi Arabia. Justin Trudeau decided it was the right thing to do. We never vote on that matter. Fact is, citizens never actively participate on multiple decisions that really matter. But in another hand, leaving decision to citizens is not what lead to the best result in the world. Like in Canada for example, we finish with Justin Trudeau as Prime Minister. We all have our problems, but some are bigger than others. And deceptions of course can be huge.

While the world we live in is all crazy shit and upside down, its important to save money and to invest, because no one is going to do it for you. And today I must say, I have turn my portfolio all upside down in a major attempt to make things better for myself, a  real big SPLASH! Ready?

In my non-registered portfolio:
I sold off:
First Majestic Silver Corp (FR)
Colabor Group Inc. (GCL)
Hanwei Energy Services (HE)
Horizons Gold Yield Fund (HGY)
Lumenpulse Inc. (LMP)

I bought:
Royal Bank of Canada (RY)
Morneau Shepell Inc. (MSI)

In my TFSA portfolio:
I sold off:
Precious Metals and Mining Trust (MMP.UN)
Sprott Physical Silver Trust UTS (PHS.U)
National Bank of Canada (NA)

I bought:
Boyd Group Income Fund (BYD.UN)
Keg Royalties Income Fund (KEG.UN)

In my RRSP portfolio:
I sold off:
JFT Strategies Fund (JFS.UN)
Stantec Inc. (STN)
Sprott Physical Silver Trust UTS (PHS.U)

I didn't bought anything new yet for my RRSP. 

This resume briefly my trading activities for the day. I will get back on the reasons why I made those buying and selling moves in another post.

To be continued.

Wednesday, 15 June 2016

Saying goodbye to Jean-François Tardif and his JFT Strategies Fund (JFS.UN) or kind of

I finally did it. I sell all of the units of JFT Strategies Fund (JFS.UN) that I was holding in my non-registered portfolio. Those units were not paying dividend and on top of it, management fees were taking a cut of my money so hey, bye-bye Jean-François Tardif.

However, I still hold to JFS.UN inside my TFSA and RRSP and I plan to keep those units in there. Its just that I have a real hunger for something else right now. I want my money to work for me. I don't know if its because Jean-François Tardif is getting lazy or is dating a new hot girl but I don't care. I want profit, money and dividend. JFS.UN is on a slow-down curve. Now, the question being: can Jean-François Tardif deliver?

When the TSX was going all the way up lately, JFS.UN gains were so-so. And I am no position to stand that (kind of shit).

I am very sorry Jean-François Tardif, you will have to work harder to please me, if not, I will sell all of my units.

So all this mean that I am soon going to place a brand new hot and sexy investment and of course, I will tell you all about it when it happen.


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