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Saturday, February 9, 2019

My newest find on Stockopedia: Allied Properties Real Estate Investment Trust (AP.UN)

Its been a while since I didn't pick any new interesting stocks on Stockopedia, but I made a good catch this evening. I found Allied Properties Real Estate Investment Trust (AP.UN). I already have many REIT stocks in my portfolio, so this finding is not super wow, but I wouldn't mind investing a cute small amount of money in AP.UN. AP.UN has everything I need:

A strong overall chart:

Clearly, AP.UN suffers from the 2008 stock crash, but had recover ever since and its current 2019 value exceed its 2008 pre market stock crash. Allied Properties Real Estate Investment Trust has  good 3.3% dividend yield. AP.UN basically has everything that I like, the only problem is that AP is another REIT stocks.

Tuesday, February 5, 2019

A 15 700 points TSX and a $211 000 net worth

Today had been quite a good day for the TSX. I was really impressed by those healthy 15 700 points of today. So far, February had been an easy month and let's just hope it will continue this way. Its busy at work, so having an easy stock market to handle make things much smoother. Everything cannot be rocky all the time, at the same time. A 15 700 points, the 16 000 points are not really far away. 

In those good time, my non-registered portfolio closed today session at $122 111.16, my TFSA portfolio at $67 123.24, and my RRSP portfolio, stocks only, at $40 281.46. Currently, I estimate my net worth to be in the $211 000. Its mean that I am now only missing $89 000 to be sitting on a 300k net value. It will eventually happen, it's just a matter of time.

What a good surprise: looking like Aphria Inc. (APH) is getting back in the game. In order to keep my spirit, I must admit that I had given up on all hopes my for APH shares to ever go up again. I would have Aphria Inc. shares in my portfolio as a remembered that despite being a really great investor, I can sometimes be suck at it. But no no no. Mommy is too great! Currently, all Canadian pot stocks are kind of on an edge. However, I don't recommend investing in pot stocks, it's too volatile. And please remember my story with APH. 

Just in case - but it shouldn't be the case - that you don't read each of my precious posts on this blog, when I first invested in APH, I bought stocks, and I sell them not too long after, making a profit in the process. I was happy of course. But then, I decided to invest again in APH, and its when I got caught in. I could no longer sell Aphria Inc. at profit! And I still can't, I stuck with it. I have to hold on to it until it completely recovers. So learn from my mistake. Once your out of a deal stay out, don't get back in just for the heck of it, especially in the case of riskier investments.

Thursday, January 31, 2019

Meet two of my calm soldier stocks: ACR.UN and GRT.UN

I can gladly say that I didn't spend any money yesterday, and the same thing for today, so I can really say that I save $929.11 for the month of January, and that amount doesn't include the dividend earn in Januray so it's quite good. I am about to book my excursions for my upcoming trip to Cuba. I will be spending something like probably $250. I have over $300 cash in my TFSA portfolio that I can use to cover that expense if needed. I plan to catch up in March with my saving.

On this last day of January 2019, my non-registered portfolio closed the session at $120 479.74, my TFSA portfolio at $66 474.49 and my RRSP portfolio at $40 098.52. Those 15 540.6 points are quite healthy. My precious NFI Group Inc. (NFI) stocks are on now better days. It was scared to see my NFI stocks going lower than $29 per share, but it eventually rebounded. Other than NFI, I have many other great things going on in my portfolio right now. My Pembina Pipeline Corporation (PPL) investment is not far away from the $30 000 value.

Inside my TFSA, I have a couple of calm soldiers: Agellan Commercial Real Estate Investment Trust (ACR.UN) and Granite Real Estate Investment Trust (GRT.UN), among others. But when I think of "calm soldier", I essentially think of ACR.UN and GRT.UN. Calm soldier stocks are stocks that stay relatively at the same value, no matter what the stock market goes up or down. In my TFSA portfolio, however, my investment in GRT.UN is about to change of category from "calm soldier" to a new designation that came directly from Stockopedia name "super stock". The reason why is that my Granite Real Estate Investment Trust (GRT.UN) stock gains 7% in my portfolio! So this is leaving me with one single known calm soldier. I am happy with this progression with GRT.UN.

This is actually making me think about my investment in Richards Packaging Income Fund (RPI.UN). Following the acquisition of RPI.UN inside my RRSP portfolio, it took some time, but unrealized capital gains finally kick in. And I say unrealized simply because I am a gain on a stock that I didn't sell and that I don't plan to sell either way.

Tuesday, January 29, 2019

My new President’s Choice Financial Mastercard credit card

Its now official, my investments in both Canadian Imperial Bank Of Commerce (CM) and TFI International Inc. (TFII) had now been transferred over my TFSA portfolio. My non-registered portfolio closed today session at $119 592.48, my TFSA portfolio at $66 253.64 and my RRSP portfolio, stocks only, at $40 066.68.

Yesterday, I published my expenses for the month of January, despite the fact that the month of January is not exactly past yet. But this was strategic, that way, I won't be pending money for the next two days and it's all good. At least, there are only two days left.

I had applied in order to get a President’s Choice Financial Mastercard credit card. This will replace my BMO Mastercard. I was collecting AirMiles with my BMO credit card, but I don't like AirMiles anymore. I find PC Optimum program being much more interesting and more rewarding. By applying to the PC Financial, I will receive 75 000 points, which is a credit to buy $75 worth of stuff, this will help to compensate for the purchase of my suitcase in January.

I am now on a more frugal mode and I am not scared of paying my expenses with my new credit card.

Monday, January 28, 2019

The month of January 2019: budget in review

Good past Friday for the TSX. My non-registered portfolio closed at $125 241.11, my TFSA portfolio at $59 940.28, and my RRSP portfolio, stocks only, at $39 843.56. I had proceeded with the contribution in kind of my Canadian Imperial Bank Of Commerce (CM) and TFI International Inc. (TFII) shares from my non-registered to my TFSA portfolio. Today was even better, the TSX closed at 15 378.62 points. And today, my non-registered portfolio closed the session at $125 506.45, my TFSA portfolio at $59 851.50, and my RRSP portfolio at $39 995.58

My margin usage is currently at $45 443.10. Last week, we had extreme bad weather in Montreal and on that bad weather day, I had no choice other than to go work at my workplace. It was awful, it was raining and the sidewalks were disgusting, with an unhappy mix of ice and rain, just enough to make me feel completely miserable. I already had not so great waterproof winter boots, I knew that, but I actually received the confirmation of it on that day. I decided to bough a new pair of winter boots, I got Sorel ones, which cost $200 after taxes. And I also had to buy a pair of socks... But the good news is, those Sorel boots are probably going to last me for at least 4, if not 5 years. It's unfortunate because its kind of destroy my super tight budget for this month. I had worked super hard at spending little as possible, allowing myself just a few coffees and for the eating out, just a few small sweet treats.

Here are what had been my fix expenses for January:
Cable & Internet: $98.18
Gym: $14.38
Banking fees: $3.45
Insurance: $7
CraveTV: $11.49
Cell: $40.24
Rent: $680
Total: $854.74

At $98.18, that cable and Internet bill is quite high. And it was actually almost the double of that amount in December! I got f by Videotron, I was promised a $71.79 deal, but my first bill didn't match at all that amount, and same thing for the second bill. I had to call Videotron to fix that mess, I asked them to listen to the telemarketer call that I received, I told them how pissed off I was not to be giving what I was promised. I finally was offered a deal, but the offer I got is only valid until May, and after that, I will cancel my cable. I really got fool by Videotron and I should have never had accepted the telemarketer offers for the cable. I should know better. I didn't respect my own rule: never trust Quebeckers, too many of them are big time liars. Learn from my mistakes. Anyway, don't worry, I won't ever let any Quebeckers mess up with me. I am a super mean wild bitch and I hate those morons next to their bones. I should received a credit on the next cable and Internet bill, so my fix expenses should get lower next month. I also cancel my subscription to CraveTV, but it's on until February 22.

There had been 5 long weeks in January. Two expenses kick in and completely destroyed my really tight budget: I bought a suitcase at $81.92, and as you know now, a pair of winter boots at $202.34. But both items should last for a couple of years. It doesn't take much to imbalance a budget, that's why it's important to spend less on things you have control over.

Other expenses for January:
Suitcase: $81.92
Sorel winter boots: $202.34
Taxi: $15 - on that extreme bad weather day on January 24, I call a taxi to go back home from work
Socks: $10.35
Credit card payment: $20.47
Grocery for January: $204.25
Coffees and eating out for January: $53.73
Sunscreen for Cuba: $14.45
Stuff for Cuba, medication: $34.08
Little gifts for Cuba: $43.98
Laundry tickets: $40 (for 20 loads)
Optometrist: $50 - ($20 return from insurance): $30
Qtip: $1.43
Mouthwash: $15.57 (I got 4, it should last for a little while)
Coffee filter: $2.50
Donation to OSM: $10
Birthday card to a relative: $1
Duplicate keys: $5.98
9V battery for my alarm clock: $3.50
Dishcloths: $2.88
Kitchen tool: $2.87
Shampoo: $5.74
2 blush powders: $35.62
F pads: $14.92 
Nair: $24.81
Gap clothes: $51.73
Total: $929.12

Total money spend in January, 2019: $1 783.86
-$92.50 (exchange of rolling pennies at the bank) :-)
TOTAL: $1 690.89
Money save: $929.11, and that amount doesn't include my dividend income!
Not too bad, let see now if you can do better!

I wish I could say that I am going to save more money in February, but sometime in February, I already have a trip plan to Cuba.

Monday, January 21, 2019

A creamy caramelized onion soup for the cold weather

These days, the weather is really cold in Montreal. This evening, I cook for the second time the most delicious soup of all: creamy caramelized onion soup from Trois fois par jour. The first time I made this soup, I didn't take time to caramelized my onions and the soup had a real heavy taste of onions. Fact is, caramelized onions don't taste onion. :-)

You may have notice, this past weekend, I updated my portfolio. On date of January 18, my net worth was of $206 278.84. My margin debt is now at $45 356.10. Today again, the TSX closed the session on a positive note. With those 15 354.16 points, my non-registered portfolio closed the day at $125 814.01, my TFSA at $59 854.87 and my RRSP portfolio, stoks only, at $39 653.55. My net worth is now probably at 207k, slowly moving forward the $300 000, only missing... $93 000. Currently, the most exciting thing that is going on is the upcomig extradition of Meng Wanzhou to the USA. This had last for too long now. I just don't understand why that Chinese woman is still in Canada. The rich Chineses appear to me as being really arrogant. They are not above the law. We don't need Huawei to build our future 5G network.

Saturday, January 19, 2019

My investment portfolio on date of January 18, 2019

Cold cash: $12.89

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11 280.50
Methanex Corporation (MX): $8 037.09
Fortis Inc.
(FTS): $5 698.59
Pembina Pipeline Corporation (PPL): $28 307.72
Corby Distilleries Limited (CSW.A): $2 598.75
iShares S&P/TSX Capped REIT Index (XRE): $2 704.24
New Flyer Industries Inc. (NFI): $3 398.62
TMX Group Inc. (X): $608.40
K-Bro Linen Inc. (KBL): $3 625
WesternOne Inc. (WEQ): $21
TransCanada Corp (TRP): $1 381.25
Canadian National Railway Co (CNR): $9 832.50
Enbridge Inc. (ENB): $15 410.92
Emera Inc. (EMA): $1 122.75
BCE Inc. (BCE): $1 227.60
Saputo Inc. (SAP): $1 575.60
Lassonde Inc. (LAS.A): $2 009
Loblaw Companies (L): $762.96
Savaria Corporation (SIS): $7 680
Canadian Imperial Bank Of Commerce (CM): $3 288
ATCO Ltd. (ACO.Y): $2 394
Jamieson Wellness Inc. (JWEL): $2 180
WSP Global Inc. (WSP): $3 208
Aecon Group Inc. (ARE): $1 849
Aphria Inc. (APH): $1 768
TFI International Inc. (TFII): $3 108.80
George Weston Limited (WN): $93.86

TOTAL: $125 172.15

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 634.56
General Mills Inc. (GIS): $1 390.72

TOTAL: $3 025.28 US: $4 010.46 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): $860.30
CT Real Estate Investment Trust (CRT.UN): $1 245
Canadian National Railway Co (CNR): $4 370
Exchange Income Corporation (EIF): $28.86
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 451.17
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 126.50
Andrew Peller Limited (ADW.A): $2 490.50
Hydro One Limited (H): $2 127.30
Toronto-Dominion Bank (TD): $1 446.20
Boyd Group Income Fund (BYD.UN): $3 570.90
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 159.80
Data Communications Mgmt (DCM): $6.60
Morneau Shepell Inc. (MSI): $2 414.70
Royal Bank of Canada (RY): $3 944
Park Lawn Corporation (PLC): $1 486.20
Toromont Industries Ltd (TIH): $2 287.60
BCE Inc. (BCE): $502.20
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 918
Sienna Senior Living Inc. (SIA): $1 354.40
Boralex Inc. Class A Shares (BLX): $715.60
Richelieu Hardware Ltd. (RCH): $1 168.86
Savaria Corporation (SIS): $1 050
Northland Power Inc. (NPI): $2 290
Calian Group Ltd. (CGY): $2 238.50
BMO Bank of Montreal (BMO): $1 934
Canadian Utilities Limited (CU): $1 391.04
WSP Global Inc. (WSP): $1 604
Granite Real Estate Investment Trust (GRT.UN): $576.10
Cargojet Inc. (CJT): $2 140.20
Agellan Commercial Real Estate Investment Trust (ACR.UN): $796.32
Nutrien Ltd. (NTR): $3 397.50
Cash: $275.70

TOTAL: $59 382.40

RSP investment portfolio: 
Emera Incorporated (EMA): $12 529.89
EnCana Corporation (ECA): $1 004.40
Toronto-Dominion Bank (TD): $2 169.30
Telus Corp (T): $2 309
Royal Bank of Canada (RY): $1 972
Savaria Corporation (SIS): $3 030
Thomson Reuters Corporation (TRI): $2 418.84
Park Lawn Corporation (PLC): $4 954
Richards Packaging Income Fund (RPI.UN): $1 254
Toromont Industries Ltd (TIH): $400.33
CAE Inc. (CAE): $1 883
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3 025.75
Boralex Inc. Class A Shares (BLX): $894.50
Quebecor Inc. (QBR.B): $750
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $303.17
(BEP.UN): $713.45
Cash: $74.79

Total: $39 686.42         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 766.06

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

GIC National Bank: $1 337.79               

Manulife Fidelity NorthStar GIF CAP B: $1 201.91
Manulife Simplicity Growth Portfolio: $1 304.75
Maritime Life CI Harbour Seg Fund: $1 170.48
Maritime Life Fidelity True North Seg Fund: $1 556.29
Manulife GIF MLIA B World Invest: $1 176.19
Total: $6 409.62

Other various: $11 742.40

TOTAL: $63 022.04

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$251 634.94
On date of January 18, 2019

My debt situation on date of January 18, 2019

Margin account: $45 356.10 @ 5.50%
Annual interest: $2 494.59

Thursday, January 17, 2019

Another super great for the TSX! YEAH!! :-)

Its been another great day for the TSX! I am happy, don't get me wrong, but this is not the usual natural thing for the TSX to just keep being in the positive zone for many many days in a row. I never experimented something like it before. Not that I can remember. This is quite exciting, my non-registered closed today session at $125 326.73, my TFSA portfolio is now at $59 291.21 and my RRSP portfolio at $39 607.83. I had all my eyes on my New Flyer Industries Inc. (NFI)today and it seems like its situation is getting stabilize for now, but tomorrow is another day. Those who had to sell off NFI are just a bunch of not smart losers.

In front of that TSX that just keeps giving and giving, I am just asking for another good day tomorrow, so I can update my portfolio page this weekend and look outrageously good. And things are only getting better knowing that tomorrow is pay day.

I still doing great with my budget. This week so far, I only bought one coffee, and it was a small one... The less you spend, the less you are tempted to spend because you know too well that at the end, you'll win the jackpot at the end of the month. Including my dividend income, its close to $2 000 per month that I can save. That make a lot of money. If I can reduce my margin debt, which is currently of $47 000, in half, it would be great.

Another great thing when saving money become your newest obsession is that it really help with your diet, because you cannot eat out anymore, you can basically do nothing that involve spending money, so guess what, you lose weight in the process. That's what is hapenning for me. For the past couple years, I wasn't as severe as now about saving money, some months, I had several hundreds ad up on my credit card, but it was alays about an amount I could pay within  the month, but that being said, it was leaving me with little money left to save. The month of January is now even over yet that I feel a huge difference in almost everything. My sleep is better because I most of the time drink decaf coffee. And now, I drink water like if I would be living in the desert of Saudi Arabia. So just try to figure out what 2019 is going to be like.

Now, I am just wondering: can the TSX hit back the 16 000 points anytime soon? If so, I will cry of hapiness in front of my computer at work and no one will understand what's going on. It's all the fault of the TSX who's playing with my nerves.

Wednesday, January 16, 2019

A rough day for my precious darling New Flyer Industries Inc. (NFI)

Its been a rough day today for a stock that I now had been holding on since 2011 in my non-registered portfolio: New Flyer Industries Inc. (NFI). I had been watching my NFI closely, and I decided to sell if the stocks were going to reach the $28 per share... It didn't, so I am keeping New Flyer Industries Inc. (NFI) in my portfolio for now. It's sad to see one of my favorite stock going down. At this point, I am affected of course, but not that much since I had bought my NFI shares several years ago, when NFI was trading under the $12 per share. I will again watch on closely NFI tomorrow.

Bad day for my NFI baby, but today was not a bad day at all for Goodfood Market Corp. (FOOD). I must admit, I am a bit in a hurry now to sell this one at profit. Its been a little since I haven't traded anything and the need remains. Patience is everything and doesn't expect the big bucks to come as easily as before. I am just in the need to do something. While trying to figure it out, my non-registered portfolio closed today session at $124 191, my TFSA portfolio at $58 956.97 and my RRSP portfolio at $39 392.05. I am really happy with those numbers and of course, I am just hoping for more gains to come. I would like to post an update of my portfolio if the TSX close on a positive note this Friday. Only 2 days to go. Little gains, by little gains, the TSX is going to get back in the 16 000 points sometime soon, hopefully.

Today, I was impressed by BNN Bloomberg Market Call. I actually agree with everything that Robert McWhirter, president of Selective Asset Management. Two stocks that I hold: Emera Inc. (EMA) and Northland Power Inc. (NPI) were on Robert McWhirter's top picks today. His third pick was Rogers Communications Inc. (RCI.B). If like me you like getting investment ideas for free, read my blog and subscribe to BNN Bloomberg Newsletters, its free, like my blog.

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