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Sunday, May 19, 2019

My debt situation on date of May 17, 2019

Margin account: $49 603.45 @ 5.50%
Annual interest: $2 728.19

My investment portfolio on date of May 17, 2019

Cold cash: $213.70

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11 130.60
Methanex Corporation (MX): $6 543.59
Fortis Inc.
(FTS): $6 206.20
Pembina Pipeline Corporation (PPL): $31 002.6‬0
Corby Distilleries Limited (CSW.A): $2 520.08
iShares S&P/TSX Capped REIT Index (XRE): $2 907.52
New Flyer Industries Inc. (NFI): $3 507.9‬0
TMX Group Inc. (X): $733.36
K-Bro Linen Inc. (KBL): $3 900
TransCanada Corp (TRP): $1 636.75
Canadian National Railway Co (CNR): $11 362.5‬0
Enbridge Inc. (ENB): $16 449.96‬
Emera Inc. (EMA): $1 288.5‬0
BCE Inc. (BCE): $1 332.1‬0
Saputo Inc. (SAP): $1 834.80
Lassonde Inc. (LAS.A): $1 870.70
Loblaw Companies (L): $837.84
Savaria Corporation (SIS): $6 955.68‬
ATCO Ltd. (ACO.Y): $2 730
Jamieson Wellness Inc. (JWEL): $1 982‬
WSP Global Inc. (WSP): $3 679.50
Aecon Group Inc. (ARE): $1 872
Aphria Inc. (APH): $1 842
George Weston Limited (WN): $102.61

TOTAL: $124 228.79

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 625.28
General Mills Inc. (GIS): $1 676.48‬
Cash: $26.66

TOTAL: $3 328.42 US: $4 479.05 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): $919.1‬0
CT Real Estate Investment Trust (CRT.UN): $1 419
Canadian National Railway Co (CNR): $5 050
Exchange Income Corporation (EIF): $36
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 772.77
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 287.60
Andrew Peller Limited (ADW.A): $2 230.4‬0
Hydro One Limited (H): $2 369.10
Toronto-Dominion Bank (TD): $1 487
Boyd Group Income Fund (BYD.UN): $5 048.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 430.7‬0
Data Communications Mgmt (DCM): $7.44
Morneau Shepell Inc. (MSI): $2 565
Royal Bank of Canada (RY): $4 200.8‬0
Park Lawn Corporation (PLC): $1 659‬
Toromont Industries Ltd (TIH): $2 400.80
BCE Inc. (BCE): $544.95
Northview Apartment Real Estate Investment Trust (NVU.UN): $4 072.50
Sienna Senior Living Inc. (SIA): $1 512
Boralex Inc. Class A Shares (BLX): $730.40
Richelieu Hardware Ltd. (RCH): $957.72‬
Savaria Corporation (SIS): $943.60
Northland Power Inc. (NPI): $2 530
Calian Group Ltd. (CGY): $2 460.50
BMO Bank of Montreal (BMO): $2 066‬
Canadian Utilities Limited (CU): $1 550.64
WSP Global Inc. (WSP): $1 839.75‬
Granite Real Estate Investment Trust (GRT.UN): $621.80
Cargojet Inc. (CJT): $2 373.07‬
Nutrien Ltd. (NTR):$3 324‬
TFI International Inc. (TFII): $3 533.60 
Canadian Imperial Bank Of Commerce (CM): $3 315.6‬0
SIR Royalty Income Fund (SRV.UN): $1 320
Cash: $461.22

TOTAL: $72 054.81‬

RSP investment portfolio: 
Emera Incorporated (EMA): $14 534.28
EnCana Corporation (ECA): $966.60
Toronto-Dominion Bank (TD): $2 230.50
Telus Corp (T): $2 464.5‬0
Royal Bank of Canada (RY): $2 100.40
Savaria Corporation (SIS): $2 722.96‬
Thomson Reuters Corporation (TRI): $3 141.36
Park Lawn Corporation (PLC): $5 530
Richards Packaging Income Fund (RPI.UN): $1 290.96‬
Toromont Industries Ltd (TIH): $420.14‬
CAE Inc. (CAE): $2 565.50
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3 409.7‬0
Boralex Inc. Class A Shares (BLX): $913
Quebecor Inc. (QBR.B): $800
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $284.9‬0
Brookfield Renewable Partners L.P. (BEP.UN): $815.48‬
Cash: $321.33‬

Total: $44 511.61‬        

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 906.26

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: $1 197.58
Manulife Simplicity Growth Portfolio: $1 391.85
Maritime Life CI Harbour Seg Fund: $1 224.28
Maritime Life Fidelity True North Seg Fund: $1 661.03
Manulife GIF MLIA B World Invest: $1 243.76
Total: $6 718.50

Other various: $13 212.94‬

TOTAL: $69 771.92‬

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
On date of May 17, 2019
$270 783.27

Thursday, May 16, 2019

Another great stock find on Stockopedia: Mainstreet Equity (MEQ)

We got a nice little jumped from the TSX today. This one has a feeling of too much too soon. I am not under the impression that the trade war between the US and China is going to be resolved anything soon, but with Donald Trump, everything is possible. Having the TSX at 16 443.86 points is only helping my cause. My non-registered portfolio closed today session at $124 274.24‬, my TFSA portfolio closed at $72,357.17, and my RRSP portfolio at $44 197.96. Currently,  both values of my TFSA and RRSP portfolios exceed my April 5th value, which is a good sign. I now almost have $500 in cash coming from my TFSA portfolio dividend distribution. I would like to invest in BAM.A of course. 

I am browsing on Stockopedia, and I just spot a stock that I had talked about before:  Mainstreet Equity (MEQ). This stock is quite spectacular, but unfortunately doesn't pay any dividend distribution. Between BAM.A and MEQ, I actually preferred MEQ. The only thing is that Mainstreet Equity (MEQ) doesn't pay any dividend distribution. Otherwise, MEQ is perfection. Most of my stock pay dividends, but I hold a few really stocks, like the famous Berkshire Hathaway Inc. (BRK.B) and CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) who don't pay a dividend. Even if those two don't pay a dividend, they are great stocks to hold inside of a portfolio. They are the kind of stock you may want to hold for a long long time. At a point, you'll accumulate several thousand in term of capital gain. The best thing is: it doesn't require any efforts at all. You simply need to hold on tight to the best stocks. Time is a precious asset.

I won't lie, my next investment may be just a tiny little one. Summer is coming in a hurry and I have a 2 weeks vacation coming up. I will need at least $1 000-$1 500. I would also like to leave some money in my bank account. Nothing exciting, but the stock market all alone has enough right now to fill me with all the emotions I need.

Tuesday, May 14, 2019

Is Brookfield Asset Management Inc. (BAM.A) still a hot Dividend Girl stock pick?

My non-registered portfolio closed today session at $122 286.80, my TFSA portfolio at $71 108.84, and my RRSP portfolio - stocks only - at $43 486.46‬. At +3.19%, JWEL is still for now on a gain of 3.19% inside my non-registered portfolio. To answer the question asks in this title, yes, I still believe that Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A) is a good investment. The past couple of weeks had been rough on the TSX, but no matter what, BAM.A had remained strong in its value. I plan to eventually invest in this one inside my TFSA portfolio.

In those volatile times, it's more important than ever to target only the best of the best. That means a stock that remains in good worth standing despite what the financial environment deal with. I hold many stocks in my real fantastic portfolio. No matter how good I am, it's not absolutely everything that I hold in my portfolio that you should hold. This is actually the kind of post that I publish from time to time. But this is the latest. Which stocks that I hold that you should hold too?

Just ask, and you'll received, only my best stock picks for my readers:

Bank of Nova Scotia (BNS)
Methanex Corporation (MX)
Fortis Inc.
Pembina Pipeline Corporation (PPL)
Corby Distilleries Limited (CSW.A)
TMX Group Inc. (X)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Emera Inc. (EMA)
BCE Inc. (BCE)
Saputo Inc. (SAP)
Lassonde Inc. (LAS.A)
Loblaw Companies (L)
WSP Global Inc. (WSP)
Berkshire Hathaway Inc. (BRK.B)
General Mills Inc. (GIS)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Brookfield Infrastructure Partners L.P. (BIP.UN)
Brookfield Renewable Energy Partners L.P. (BEP.UN)
Andrew Peller Limited (ADW.A)
Toronto-Dominion Bank (TD)
Boyd Group Income Fund (BYD.UN)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Morneau Shepell Inc. (MSI)
Royal Bank of Canada (RY
Park Lawn Corporation (PLC)
Toromont Industries Ltd (TIH)
BCE Inc. (BCE)
Northview Apartment Real Estate Investment Trust (NVU.UN)
Calian Group Ltd. (CGY)
BMO Bank of Montreal (BMO)
Canadian Utilities Limited (CU)
WSP Global Inc. (WSP)
Granite Real Estate Investment Trust (GRT.UN)
Nutrien Ltd. (NTR)
TFI International Inc. (TFII) 
SIR Royalty Income Fund (SRV.UN) 
Telus Corp (T)
Royal Bank of Canada (RY)
Thomson Reuters Corporation (TRI)
Park Lawn Corporation (PLC)
Richards Packaging Income Fund (RPI.UN)
Toromont Industries Ltd (TIH)
CAE Inc. (CAE)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)
Quebecor Inc. (QBR.B)
I think that list is fair.
If you now want an example of a stock that you SHOULD NOT hold in your portfolio, well that's an easier exercise and won't request hours of search on Stockopedia. The TSX is full of bad shit stock. And one of them is Power Corporation (POW). Personally, the insurance sector is for me a big NO-NO. POW has everything against "him" or "her"???: it's in the insurance sector AND is a Quebec based company. Today, despite the fact that POW net earnings have decreased, the business decided to increase its dividend distribution. This is in my view a complete nonsense, the kind of nonsense that you can only experiment in Quebec province and for what they are best known for. I never understood why Susan Brunner was holding this one in her portfolio???!!!
My famous list of stocks that I hold and that you should be holding too, I know, I know, I have several Quebec businesses. But the trick is: stick to the best. You'll find some good Quebec stocks to invest in (PS, they are from my list):
CAE Inc. (CAE)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)
Quebecor Inc. (QBR.B)
Saputo Inc. (SAP)
Lassonde Inc. (LAS.A)
WSP Global Inc. (WSP) 
Currently, my best Quebecker stock is: GIB.A. $$$

Savaria Corporation (SIS) is not from my top notch list because of this stock is not strong enough in term of growth. however, for your info, I made several hundred on that one and SIS is a Derek Foster stocks. Is it still possible, in today market, to register some hot hot hot capital gain on the back of SIS? My answer: I don't think so. you should have invested in SIS when I did way back. But I won't suggest anyone to invest now in SIS. Bad idea.

You don't need to thank me, enjoy all of my best stocks list.

Monday, May 13, 2019

Stuff that you probably own and that I don't because I am smarter

May is a real hard month for TSX investors these days. I must admit, I didn't even check the closing today. I have no idea where the TSX is standing and I don't care. It's all disgusting. And it seems like it's all because of the trade war between the US and China. First, there's been the NAFTA war, and now is the turn of China - good luck with Trump, you'll need some. While dealing with some heavy difficulties, I taught that maybe the time had come to write a funny minimalist post of the type: "I have less and I am smarter than you are" kind of post. Do you understand the idea?

I will just name a few things that you probably have at home, and that I don't, just so that next Christmas, you'll know what to get me.

1) Microwave
Nope, I don't have a microwave. I don't really miss it either way. It's quite useless for me.

2) Flat iron
That's a girl thing, most of us have a flat iron, but I don't own one because my hairs are curly and I wouldn't like to burn those angel hair for absolutely nothing in the world.

3) Air conditioner
I don't have an air conditioner machine. Last summer, I taught at a point I was going to die dry up by the heat, but I survive. Bitch can survive anything.

4) Vacuum
My apartment being quite small, I just use the basics. I don't own a vacuum.

5) High heels
I don't own a single pair of high heels. I have way too sensible feet to wear high heels. 

6) Printer
I don't own a printer.

And it's about everything I can think for now.

Sunday, May 12, 2019

Better days for Jamieson Wellness Inc. (JWEL)

The TSX may had closed under the 16 300 points and it haven't been fun to watch, but overall, my investments are not doing too bad. My non-registered portfolio closed Friday session at $122 115.46, my TFSA portfolio at $70,998.85, and my RRSP portfolio at $43,387.35. Lately, I had been corely watching my investment in Jamieson Wellness Inc. (JWEL). It went down for a little while and Is tarted getting anxious about it, but JWEL came back in the profit zone and is currently on a gain of 2.98% inside my non-registered portfolio. 

At first, I taught that my investment in SIR Royalty Income Fund (SRV.UN) was going to be a calm soldier stock - which is a stock that is never really in the profit or loses zone, it's quite a neutral stock that you keep in because the dividend yiel is just too juicy. But it seem like this little buddy is much more than just a calm soldier. So far in my TFSA portfolio, SIR Royalty Income Fund (SRV.UN) had gained a nice 4.50%. Best thing is, SRV.UN been in my portfolio only since March of this year.

Wednesday, May 8, 2019

Oh no! For 2019: Sell in May and go away?

"Sell in May and go away", that's what they say. And it seem like May 2019 was begun on the wrong foot. Actually, it should say "Sell in April, and stay out of the stock market in May". Anyhow, you got the point. So far for 2019, I was on top of my game, but everything collapse (it's actually not so dramatic, but I guess you understand the point), and is making me go under the net worth of $222 000. But it's ok. It's how it is with the stocks market. Donald Trump is not helping my case. He's a really hard leader when it come to negotiation. It's hard to get a in-between with him. I not exactly following the negotiations between the US and China, but this hard a real hard effect on the stock market. And it's quite sad to see how much we depend on the US. Brian Mulroney had created with Canada a country financially depended of the US, and instead of helping us, it's creating deep sorrow in our economy. Every single Quebeckers who had been our Prime Minister always created more problems than anything for our great country. We need a Prime Minister with the purest intentions, someone who will be strong and who'll give everything for Canada. Currently, the "purest" Canadian  leader who has those quality is Jagmeet Singh, but I would like to hear about him more.

While the TSX is down, I have enough in my plate to keep me busy and away from any sorrow that could hit me since my investment portfolios are going down. This is nothing new for me, I went through some much more hard times. This one is just a little reminder that the TSX can still go down from time to time. Don't ever forget that. Volatility is our best and worst friend. IT makes the stock market go higher, and sometimes, lower. Here is some stuff I am actually doing these days:

-Doing a little shopping. I bought: three tops, one pair of black jeans and Swarovski earrings. I got those ones.
-Working overtime.
-Drink water (it may seem strange, but I am not naturally tempt to drink water, I have to think about it. I am barely ever thirsty, which make me think I may had been a camel in my last life - but unfortunately, I often feel hungry :(
-Going to the gym.
-Thinking about post topics.
-Make my lunch, and bring coffee to work.
-Eat more vegetables.
-Put clothes, shoes, purses I don't wear/use on Kijiji to sell.
-Call Videotron customer service.
-Make random list of things to be done (I always have a to do list, for absolutely everything I need to do, even the smallest tasks)
-Declutter my little apartment.
-Cleaning my shit.

About all for now. :-)))

Wednesday, May 1, 2019

Rough Spring days, but I am not forgetting BAM.A

Ever since I came from my vacation - and even the week before my vacation - it's been busy at work and I barely have any time at all to follow the TSX during the day. I usually check the TSX several times during the day, as well as the news. When I cannot do that during the day, it means it's a pretty rough day, and I don't like it because Iget to feel somewhat disconnected to all of the REAL important things that are going on and that I could be missing on. I could be missing on several things, including my next best stock move. And trust me, it's not a feeling that I like, the feeling of doing under. And I am tire.

What the TSX is all about these past couple days, I honestly don't have a clue. While some have to deal with heavy floading, I deal with stuff of my own, but nothing as dramatic. But all New Brunswickers dealing with fload are in my prayers. 

Today at least, I am taking a look at my portfolio just to check if it's at least still alive... and that nothing has disappear... and yep, all of my stocks are still in the wood. Fortunately, my stocks don't need their mommy and it's better this way. My non-registered portfolio closed today session at $‭123 309.11‬ - it's a bit down, I am usually in the 125k or close. My margin debt is at $‭48 793.37‬ - a bit high, I would be happier to be on a 45k debt. My TFSA portfolio closed at $71 552.77‬ - whenever it's exceeding the 70k is quite good. My RRSP portfolio, stocks only, closed today session at $‭43,172.61‬.

It's quite awful.... it's now May 1. Another rent payment. I will do my best no to spend too heavily in May and June. In July, I have a 2 weeks vacation. The month of March had been rough for my expenses because I had to do those tax payments. I taught I was going to roll on some debt because of all of those expenses. But I closed the month with a saving of $6.09... My expenses were of 
$ 4 877.26‬, and my income of $‭4 883.35‬. Was quite a short month! And for April, I had my Easter vacation in New Brunswick. I have spend just bit more than the $‭2 123.47‬ posted a few days ago. Still a lot of money, but I had to buy new shoes and my vacation cost me some money too.

Unfortunately, nothing is free in this world. If I work really hard, I may be able to save some money enough to place my next investment sometime in June. And I don't care if I need to eat peanut butter sandwiches (my favorite) everyday in order to do so.

My next investment? Well you know what it is: BAM.A. This one is my next baby.

Sunday, April 28, 2019

The month of April 2019: budget in review

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $78.63
Total: $823.70

Grocery: $170.58
Eating out: $173.01‬
Coffees: $38.9‬0
Wine: $9.95
Total: $392.44

Personal care:
Makeup: $54.23
Other: $20.67
Hair cut: $63.24
Total: $138.14

Shoes: $152.91

Sport accessory: $17.24
Order for cheques: $57.24
2 dish clothes: $1.43
Notebook: $2.88
Total: $78.79

Taxi: $30

Easter vacation expenses: $313.55
Reservation for this summer vacation: $222
Total: $535.55

Interest on margin: $220.41‬

Total expenses: $2 371.94‬

Paychecks: $2 643.3‬0
Dividend earns in the non-registered portfolio: $328.79
Dividend earns in US portfolio: $0
Dividend earns in TFSA portfolio: $271.46
Dividend earns in RRSP portfolio: $91.61
Total income: $3 335.16

Money save: $963.22

The month of March 2019: budget in review

I didn't post any "budget in review" since this past February.
The month of March, as well as April so far, had been quite busy, and the expenses had sky rock, which explains why I didn't place any new investments for quite some time now.

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $48.65
Total: $793.72

Grocery: $438.81
Wine: $10
Eating out: $251.82
Coffees: $67.75
Total: $768.38

Personal care:
Hair cut: $63
Makeup: $14.59
Shampoo, conditioner, soap, deo: $49.51
Calcium: $25.62
Earrings and hair clips: $26.33
New glasses: $458.01
Total: $637.06

Home expenses:
Sealed plastic container: $7.48
Blanket and sheets: $106.80
2 carpets for entrance: $8.32
Plants: $72.37

Plant pot: $18.97
Plant pot: $7.48
Total: $221.42

Taxi: $40
Metro tickets: $15.75
Total: $55.75

Accounting for the 2018 taxes: $80.43
Payment to the tax man for 2018 (federal and provincial): $1 944.31
Total: $2 024.74

Museum membership: $72

Gift: $60
Laundry tickets: $50
Total: $182

Interest on margin: $194.19

TOTAL: $4 877.26

Paychecks: $3 927.93
Trade on Lightspeed: $106
Dividend earns in the non-registered portfolio: $608.63
Dividend earns in US portfolio: $15.68 US - $21.13
Dividend earns in TFSA portfolio: $173.03
Dividend earns in RRSP portfolio: $46.63

TOTAL: $4 883.35

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