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Wednesday, July 1, 2020

The ultimate stock that I am happy not to hold in my portfolio anymore: Sienna Senior Living Inc. (SIA)

This time of the year is usually a great one for me. Over the year, I made great investments during the last days of June. It's basically the time where my portfolio gets a mini revamp. Maybe the sun and the good weather have a lot to play in that. This year, my month of June is completely different because of the pandemic. I am not exactly having a good year, neither a too bad year. My net worth got back in the 200k, which is my "secure" place. Back in March of this year, my net worth falls behind the 200k. It's always a traumatic experience when it happens, but usually, I get back in the 200k game quite quickly. Usually, downturns never stay in for long on the TSX.

No matter what is going on currently, June of this year still remains a good time to have an quiet face-to-face time with my investments. The pandemic has the benefit to expose our deepest weakness and in Canada, one of our weaknesses is the cares that we gave to our senior citizens. And not only the cares, but also the housing.

As an investor, it's perfectly normal to explore the numerous possibilities that offer the TSX. I am always searching for new stocks to invest in. When I first invested in Sienna Senior Living Inc. (SIA) back in 2017, I was looking, like usual, for something new, for something great that would be of a great fit for my already really awesome investment portfolio. I didn't have any exposure to the health sector. I am not a fan of the pharmaceutical sector, and I do not exactly find satisfaction in the health sector itself. So I taught that SIA could be a cool way to diversify my portfolio. Their activity if the housing for seniors was for me somewhat related to the health sector. However, things didn't turn exactly as planned. I made the really good decision to sell my Sienna Senior Living Inc. (SIA) back in the beginning of January of this year

When I invest in a stock, I like to see its value grow inside my portfolio, as well as collecting dividends. To be perfectly happy, I need both of those things. In the case of SIA, that stock never kicks in my investment portfolio, I never saw it grow. So when I had the chance to sell without experiencing any losses, I did. I have to say, my timing was of absolute perfection. When it comes to stock, I want to invest in what the TSX has the best to offer. And Sienna Senior Living Inc. (SIA) is definitively not a good and safe stock to invest in. This COVID pandemic reveals that the cares provided in some senior housing establishments who are under the management of Sienna Senior Living Inc. (SIA) were of poor quality. Articles on that matter can be found here, here and again here. Since the beginning of the COVID pandemics, Sienna Senior Living Inc. (SIA) had been going all the way down:

Now that we are in a pandemic, the idea of making just any money at all on the back of seniors housing is just sounding terribly wrong. Back in 2017, that idea never crossed my mind. But this pandemic is actually changing us, and is changing our opinion on different topics.

Wednesday, June 24, 2020

The story of a girl and one of her best stock: Cargojet Inc. (CJT)

The really hot days seem to now be behind us. I got out of this alive, but I decided that time has come to have a little hair trim. My idea was not to get a hair cut at all this summer, and just let my hair grow, I resisted as long as I could, but I will be getting a hair cut on July 5. I just cannot stand my hair anymore. Thin, but too much of curly hair like mine are so difficult to style, it takes the help of a good cut to make everything work out properly. I will get pretty just for myself, so I can celebrate my upcoming birthday with a little bit of dignity. I may even get highlights because I don't want to see my few white hairs. Aging is coming like a surprise in a box of cereal, out of nowhere, unexpectedly. It's not fun, but it's life. Otherwise, aging is just an esthetic aspect touching my hair, and I hope it remains that way for a really long time.

Currently, in Quebec province, more and more things are reopening, including gym and to my surprise, I am quite happy by the reopening of gyms. It's kind of getting boring around here, at least I will be able to do actually something outside my little apartment. One thing for sure that is helping me to age without much trouble is staying active, and the gym is a great tool for that. For the past weeks, I had been doing a lot of walking around, which is, at a point, became quite boring for me. I am feeling weaker in my body, my arms, my legs are not feeling as strong as they used to be, that being before the pandemic. Starting the age of 35, women, and maybe even men, began to age and feeling weaker is not of a great feeling. It's something I am looking forward to correct.

Since I won't spend any money on vacation this summer, the bright side is, I will have more money aside to invest, and more time to spend searching for new stocks. Currently, that's exactly what I had been doing. I am working at finding new investments, something that will be as good as one of a precious investment that I had been holding on inside my TFSA portfolio for a while now: Cargojet Inc. (CJT). Investing is an easy job, especially on the TSX. In Canada, we have the chance to have the best stock market, and not only the best stock market, but the most reliable and stable one. Finding great valuable pieces like Cargojet Inc. (CJT) that basically no one is writing ever about is certainly by greatest pride and is the funniest part in everything that is investing, so I can just push my babies straight to your face.

It's quite difficult to realize that this precious one had been in my portfolio since... 2018. It sincerely feels almost like yesterday. Since 2018, Cargojet Inc. (CJT) had registered a spectacular gain of 95.40%.I feel like I deserve a summer treat and I am just willing to place a new investment as soon as I will be ready for it, but first, I need to find that something that will only push me over the edge. With all of those great investments that I currently hold, it's just clear to me that I have everything it takes to hit in the $300 000 net worth, I just don't have any doubt about that in my mind. It's unfortunate, but I own my finding of CJT to Stockopedia. And I own many other great stocks that I hold to Stockopedia. My problem is that in order to make great investing findings, I need substance to work from. And Stockopedia's screens had been for me that substance. Right now, I am really missing Stockopedia.

Other than that, inside my non-registered portfolio, some recent investments started kicking in - finally. My Telus Corp (T) is currently on a gain of +4.31%, and my Power Corporation of Canada Subordinate Voting Shares (POW) stocks are on a gain of +2.16%. Inside my TFSA portfolio, the most recent investments didn't really kick off yet. However, no matter out, remain strong in your positions and hold on to your investments because later on, the result will kick in. Sometimes, it takes quite sometimes for a stock to become successful in a portfolio. I had such experience with an investment that I hold inside my RRSP portfolio: Richards Packaging Income Fund (RPI.UN). Once I made my investment in RPI.UN, it took a while for the title to register gains. But now, I had reached success with RPI.UN and now, my and RPI.UN we are having a great love story and I have many other stocks like that on which I am totally relying on to create my richness.

All part of the game is base on one thing: on your ability to make good decisions to yourself. In our modern times, it's something that is getting harder and harder to do, because we are dealing with way too much information coming literally from everywhere and anywhere. It's really hard to find good financial advisors. When it comes to money, you cannot really rely on people, so you need to understand things for yourself and by yourself. Take for example all my chit-chat posts regarding margin account: here and here. Everything I know about margin, I learn it by myself. When I opened my margin account - many many years ago - no one at TD explained what I was getting into. I just had to sign a piece of paper and it was about it. Don't expect help from no one when it comes to your personal finance. Here in Montreal, most financial advisers are illiterate when it comes to investment. You need to be careful. You are actually better hanging around here that dealing with a financial adviser, especially if you live in Quebec province.

When it comes to precious investments, no one can beat me at that game. In 10 years from now, I hope that Cargojet Inc. (CJT) will still be in my portfolio and bring on some serious $$$. And I wish you the same.

You are more than welcome.

Tuesday, June 16, 2020

Summer is starting, but without the fun. No vacation in New Brunswick, no $300 000 net worth YET

Just like expected, the TSX remains volatile, but we were lucky enough to have a closer today in the 15,515 points. My non-registered portfolio closed today session at $106,711.05, my TFSA portfolio at $83,736.69 and my RRSP stocks only portfolio at $45,219.50. My margin debt is at $44,125.95. I now have $414.63 in cash inside my TFSA portfolio, so I am slowly getting ready to make a new investment soon. Today, Methanex Corporation (MX) bounced on a nice gain of +6.64%. MX is a super volatile stock, I wouldn't recommend that investment because you can easily find a more stable, and a better investment for your bucks. I had been lucky with Methanex Corporation (MX) because that title had been in my portfolio since my early beginning, which was over 10 years ago. It's sad to say, but sometimes, timing and a bit of luck have a lot to do if you become successful with a stock. Many stocks are difficult to hold, and Methanex Corporation (MX) is one of those stocks, but no matter what, a little part of MX is all mine and it's all good.

And talking about time passing by, just get ready, because this summer, I will be turning 40, exactly on August 27. 2020 was supposed to be a really great year for me. My father had turned 70, I am turning 40, and on top of everything else, I was quite on the correct road to get my hands on a $300 000 net worth, I was supposed to spend an awesome 2 weeks vacation at the back in New Brunswick this summer... but everything hasn't gone exactly as plan. I won't be able to visit New Brunswick this summer, because of the strict rules surrounding the visit of an outsider to my beloved province. I could visit, but I would have to stay home for 14-15 days, and while coming back to Montreal, I will have to stay confined for 14-15 days... the perfect plan to drive me completely nut. 

No matter what, New Brunswick is always on my mind and I had been just checking - to satisfy my curiosity - on ways to reach the holy land. There's no bus, no train, but guess what: it's possible to travel to New Brunswick by plane. Domestic bookings are possible within Canada, but it doesn't make much sense at all since the borders withing the provinces are close. Currently, Air Canada is offering flights from Montreal to Fredericton and Moncton. This means that anyone who wants to visit New Brunswick can, by air. Currently, Air Canada is experiencing an increase of their domestic bookings. And now, despite the international pandemic that is still going on, Air Canada is selfishly asking for an ease of travel restrictions. I guess you get it but I will explain it really clearly: don't ever consider Air Canada as an investment for your portfolio. Air Canada is a big no-no.

In this time of pandemic, it is certainly ok to go outside for a walk, but it's not ok to visit another province, or another country, just for the fun of it. Air Canada is not a respectable company, just a shark looking to make more money in a time where international traveling should be ban, just like province to province traveling should be ban. We need to thanks Justin Trudeau for being the perfect stupid Quebecker that he is.

I could take a flight to Fredericton and visit my family in New Brunswick this summer. I could go to the beach, go to restaurants, and no one would ever know about it, but of course, I won't do so because I am a highly respectful woman and I would never ever do anything that could hurt my province. But what if it's not actually everyone who cares that much? Even personally, for me, I have to say, it's quite tempting for me to book a flight for Fredericton this summer. This is like a devil temptation. Why Justin Trudeau is allowing domestic flights within Canada? Personally, I am not surprised by this situation. I am not a fan of Justin Trudeau. I find that a Quebecker is not at his place as a Prime Minister. Quebeckers have low discipline and are not built to take on big responsibilities. 

Later on, Canadians will realize their mistake.

Saturday, June 6, 2020

My debt situation on date of June 5, 2020

Margin account: $44 181.80 @ 4%
Annual interest: 1,767.272

Credit line: $4 700 @ 4.31%
Annual interest: $202.57

Total: $48,881.80
Total annual interest: $1,969.842
On the date of June 5, 2020

**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 June 5, 2020

Cold cash: $2,001.77

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10,957.74
Methanex Corporation (MX): $3,447.12
Fortis Inc. (FTS): $6,938.91
Pembina Pipeline Corporation (PPL): $28,121.80
iShares S&P/TSX Capped REIT Index (XRE): $2,427.30
New Flyer Industries Inc. (NFI): $2,072.52
TMX Group Inc. (X): $1,043.52
K-Bro Linen Inc. (KBL): $3,024.00
TransCanada Corp (TRP): $1,577.00
Canadian National Railway Co (CNR): $10,998.00
Enbridge Inc. (ENB): $15,683.50
Emera Inc. (EMA): $1,381.25
BCE Inc. (BCE): $1,309.00
Saputo Inc. (SAP): $1,342.40
Loblaw Companies (L): $807.00
Savaria Corporation (SIS): $7,178.53
WSP Global Inc. (WSP): $4,393.00
Aphria Inc. (APH): $1,174.00
George Weston Limited (WN): $97.40
Rogers Communications Inc. (RCI.B): $1,761.60
Telus Corp (T): $2,241.00
Power Corporation of Canada Subordinate Voting Shares (POW): $2,284.20
TOTAL: $110,260.79

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,604.00
General Mills Inc. (GIS): $1,951.36
Cash: $39.99
TOTAL: $3,595.35 US: $4 900,46 CAN
 
Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $5.74
CT Real Estate Investment Trust (CRT.UN): $1,394.00
Canadian National Railway Co (CNR): $4,888.00
Exchange Income Corporation (EIF): $29.01
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,049.40
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,938.60
Andrew Peller Limited (ADW.A): $1,615.95
Toronto-Dominion Bank (TD): $1,300.20
Boyd Group Services Inc. (BYD): $6,065.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,388.00
Data Communications Mgmt (DCM): $0.87
Morneau Shepell Inc. (MSI): $2,901.60
Royal Bank of Canada (RY): $6,280.95
Park Lawn Corporation (PLC): $1,446.00
Toromont Industries Ltd (TIH): $2,914.40
BCE Inc. (BCE): $535.50
Boralex Inc. Class A Shares (BLX): $1,149.20
Richelieu Hardware Ltd. (RCH): $1,322.96
Savaria Corporation (SIS): $949.90
Northland Power Inc. (NPI): $3,327.00
Calian Group Ltd. (CGY): $3,917.56
Canadian Utilities Limited (CU): $1,386.00
WSP Global Inc. (WSP): $2,196.50
Granite Real Estate Investment Trust (GRT.UN): $677.10
Cargojet Inc. (CJT): $3,875.56
Nutrien Ltd. (NTR): $2,561.50
TFI International Inc. (TFII): $3,556.80
Canadian Imperial Bank Of Commerce (CM): $2,932.50
SIR Royalty Income Fund (SRV.UN): $330.46
ATCO Ltd. (ACO.Y): $2,310.00
Aecon Group Inc. (ARE): $1,550.35
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,776.47
Metro Inc. (MRU): $2,132.18
Alimentation Couche-Tard Inc. (ATD.A): $517.20
Fortis Inc. (FTS): $1,882.65
CGI Inc. (GIB.A): $1,840.40
TMX Group Limited (X): $3,261.00
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC): $462.00
Suncor Energy Inc. (SU): $484.50
Cash: $351.33

TOTAL: $84,504.74

RSP investment portfolio: 
Emera Incorporated (EMA): $16,409.25
Ovintiv Inc. (OVV): $294.42
Toronto-Dominion Bank (TD): $1,950.30
Telus Corp (T): $2,514.90
Royal Bank of Canada (RY): $1,932.60
Savaria Corporation (SIS): $2,741.14
Thomson Reuters Corporation (TRI): $3,427.20
Park Lawn Corporation (PLC): $4,820.00
Richards Packaging Income Fund (RPI.UN): $1,928.52
Toromont Industries Ltd (TIH): $510.02
CAE Inc. (CAE): $1,810.20
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,220.70
Boralex Inc. Class A Shares (BLX): $1,436.50
Quebecor Inc. (QBR.B): $768.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $224.00
Brookfield Renewable Partners L.P. (BEP.UN): $1,227.78
Leon's Furniture Limited (LNF): $467.84
Bank of Nova Scotia (BNS): $363.24
Cash: $231.54

Total: $46,278.40

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,921.47

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

NBI Income Fund: $1 378.82

Manulife Fidelity NorthStar GIF CAP: $1 669,80
Manulife Simplicity Growth Portfolio: $1 411,22
Maritime Life CI Harbour Seg Fund: $1 271,36
Maritime Life Fidelity True North Seg Fund: $1 237,13
Manulife GIF MLIA B World Invest: $1 259,56
Total: $6,849.07

Other various: $16,355.35

TOTAL: $74,863.26

Social Capital at Desjardins Membership share: $35
Online money: $61.25
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$276,627.27
On the date of June 5, 2020

Wednesday, June 3, 2020

Welcoming a nice $221,619.78 net worth

I had a nice surprise! At first, I taught that my today's net worth was going to be 220k, but I actually have done better. Today, my net worth closed at a good $221,619.78. It seems like we are on the road for recovery. Even the Bank of Canada is agreeing with the idea. According to the Bank of Canada, the worst is now behind us. It's quite difficult to think so, especially since we don't have any vaccine yet for the COVID and that across Canada, as well as all over the world, people are going back to restaurants (not here in Montreal yet but that will come), are getting a hair cut, etc. etc. 

I unfortunately currently live in Montreal and right now, I feel that everyone is more sloppy. I see different groups of people hanging out together or on line, not respecting the 2 meters social distancing rule, all things that are not surprising coming from Quebeckers. People are just not respectful enough of the rule and the Quebec health system is just too weak to be able to properly fight this disease. Quebec province will have to live with its failure.

It can get annoying to be in my little one and a half apartment almost 100% of the time, but I keep myself busy. Among others, the TSX is keeping me quite busy, updating my investment portfolio again and again, and maybe also again tomorrow.

My investment portfolio on date of June 3, 2020

Cold cash: $2,001.77

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10,666.33
Methanex Corporation (MX): $2,781.44
Fortis Inc. (FTS): $6,914.56
Pembina Pipeline Corporation (PPL): $26,954.48
iShares S&P/TSX Capped REIT Index (XRE): $2,314.15
New Flyer Industries Inc. (NFI): $2,036.04
TMX Group Inc. (X): $1,049.04
K-Bro Linen Inc. (KBL): $3,250.00
TransCanada Corp (TRP): $1,551.50
Canadian National Railway Co (CNR): $10,873.80
Enbridge Inc. (ENB): $15,704.50
Emera Inc. (EMA): $1,394.75
BCE Inc. (BCE): $1,288.32
Saputo Inc. (SAP): $1,352.80
Loblaw Companies (L): $815.52
Savaria Corporation (SIS): $7,316.07
WSP Global Inc. (WSP): $4,431.50
Aphria Inc. (APH): $1,196.00
George Weston Limited (WN): $98.41
Rogers Communications Inc. (RCI.B): $1,738.80
Telus Corp (T): $2,207.70
Power Corporation of Canada Subordinate Voting Shares (POW): $2,223.90
TOTAL: $108,159.61

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,525.60
General Mills Inc. (GIS): $1,967.04
Cash: $39.99
TOTAL: $3,532.63 US: $4 867.96 CAN


Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
CT Real Estate Investment Trust (CRT.UN): $1,354.00
Canadian National Railway Co (CNR): $4,832.80
Exchange Income Corporation (EIF): $28.25
Brookfield Infrastructure Partners L.P. (BIP.UN): $3,859.00
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,980.00
Andrew Peller Limited (ADW.A): $1,624.50
Toronto-Dominion Bank (TD): $1,248.60
Boyd Group Services Inc. (BYD): $6,015.60
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,278.80
Data Communications Mgmt (DCM): $0.72
Morneau Shepell Inc. (MSI): $2,961.00
Royal Bank of Canada (RY): $6,133.40
Park Lawn Corporation (PLC): $1,420.80
Toromont Industries Ltd (TIH): $2,703.60
BCE Inc. (BCE): $527.04
Boralex Inc. Class A Shares (BLX): $1,151.60
Richelieu Hardware Ltd. (RCH): $1,332.62
Savaria Corporation (SIS): $968.10
Northland Power Inc. (NPI): $3,295.00
Calian Group Ltd. (CGY): $3,892.40
Canadian Utilities Limited (CU): $1,393.98
WSP Global Inc. (WSP): $2,215.75
Granite Real Estate Investment Trust (GRT.UN): $679.50
Cargojet Inc. (CJT): $3,718.38
Nutrien Ltd. (NTR): $2,538.50
TFI International Inc. (TFII): $3,480.00
Canadian Imperial Bank Of Commerce (CM): $2,863.20
SIR Royalty Income Fund (SRV.UN): $243.54
ATCO Ltd. (ACO.Y): $2,412.60
Aecon Group Inc. (ARE): $1,533.18
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,688.69
Metro Inc. (MRU): $2,153.84
Alimentation Couche-Tard Inc. (ATD.A): $531.96
Fortis Inc. (FTS): $1,890.70
CGI Inc. (GIB.A): $1,809.80
TMX Group Limited (X): $3,278.25
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC): $447.16
Suncor Energy Inc. (SU): $431.46
Cash: $334.62

TOTAL:
$83,265.86

RSP investment portfolio: 
Emera Incorporated (EMA): $16,569.63
Ovintiv Inc. (OVV): $250.11
Toronto-Dominion Bank (TD): $1,872.90
Telus Corp (T): $2,477.53
Royal Bank of Canada (RY): $1,887.20
Savaria Corporation (SIS): $2,793.66
Thomson Reuters Corporation (TRI): $3,436.56
Park Lawn Corporation (PLC): $4,736.00
Richards Packaging Income Fund (RPI.UN): $1,935.12
Toromont Industries Ltd (TIH): $473.13
CAE Inc. (CAE): $1,642.90
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,167.15
Boralex Inc. Class A Shares (BLX): $1,439.50
Quebecor Inc. (QBR.B): $784.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $219.80
Brookfield Renewable Partners L.P. (BEP.UN): $1,254.00
Leon's Furniture Limited (LNF): $477.70
Bank of Nova Scotia (BNS): $353.58
Cash: $231.54

Total:
$46,002.26

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
$2,846.90

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

NBI Income Fund: $1 387.81

Manulife Fidelity NorthStar GIF CAP: $
1 669,80
Manulife Simplicity Growth Portfolio: $1 411,22
Maritime Life CI Harbour Seg Fund: $1 271,36
Maritime Life Fidelity True North Seg Fund: $1 237,13
Manulife GIF MLIA B World Invest: $1 259,56
Total: $6,849.07

Other various
: $15,975.72

TOTAL: $74,141.51

Social Capital at Desjardins Membership share: $35
Online money: $61.25
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$272,533.26
On the date of June 3, 2020

Welcoming a new investment in my RRSP portfolio: NBI Income Fund

Yesterday, I couldn't resist, I had to update my portfolio to check out where I was out. I closed yesterday session with a net worth of $218,183.84. I will try to update again my portfolio this evening because I am pretty sure that right now, I may be in the 220k net worth. Just in case you didn't know, the TSX closed today session with a good 15,575 points!!!

The markets are going up, despite the recent sad event that conducts to the killing of George Floyd by a policeman. Despite the protests that are still going on in the US, the markets are doing quite well, and the TSX is no exception. And it's quite strange, knowing what is going on. Personally, I think that those protestations are of a necessary need, so that in the long term, problems get resolved in the US. Like too many times, Donald Trump is not exactly taking the correct action to address the situation properly. In those times, every country needs a strong leader. But the problem with Donald Trump is that he's too strong and he always does things his own way, without caring for the opinion of others. He's so indelicate, it's not his fault, it's in his nature. We could have thought to easily that following Barack Obama's term, racism would have decreased drastically in the US. It may have helped up to a certain extent, but it seems like too many people are still suffering from racism, and even here in Canada. However, I like to think that the situation is better here in Canada.

I don't know if you ever check very carefully my portfolio updates, but a couple weeks ago, I had a new investment in my RRSP portfolio: NBI Income Fund. I had a certificate that had expired and I reinvested the money in a low-risk mutual fund. Nothing exciting, but not to break the protocol and bring me my usual good luck, I decided I had to welcome NBI Income Fund inside my investment portfolio. A good thing had been done and now completed.
 

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