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Friday, November 16, 2018

My debt situation on date of November 16, 2018

Margin account: $66 373.29 @ 5.50%
Annual interest: $3 650.53

My investment portfolio on date of November 16, 2018

Cold cash: $1 325

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10 929.38
Methanex Corporation (MX): $8 316.22
Fortis Inc. (FTS): $5 710.82
Pembina Pipeline Corporation (PPL): $27 741.20
Corby Distilleries Limited (CSW.A): $2 545.33
iShares S&P/TSX Capped REIT Index (XRE): $2 696.54
New Flyer Industries Inc. (NFI): $4 086.72
TMX Group Inc. (X): $634
K-Bro Linen Inc. (KBL): $3 490
WesternOne Inc. (WEQ): $21.10
TransCanada Corp (TRP): $1 314
Canadian National Railway Co (CNR): $10 152
Enbridge Inc. (ENB): $13 572.24
Nutrien Ltd. (NTR): $3 534.50
Black Diamond Group Ltd (BDI): $60
Emera Inc. (EMA): $1 100
BCE Inc. (BCE): $1 215.28
Saputo Inc. (SAP): $1 571.60
Lassonde Inc. (LAS.A): $2 105.10
Loblaw Companies (L): $705
Savaria Corporation (SIS): $7 145.10
Canadian Imperial Bank Of Commerce (CM): $3 428.40
ATCO Ltd. (ACO.Y): $2 384.40
Jamieson Wellness Inc. (JWEL): $1 967
WSP Global Inc. (WSP): $3 229
Aecon Group Inc. (ARE): $1 903
Aphria Inc. (APH): $2 538
Goodfood Market Corp. (FOOD): $1 164
TFI International Inc. (TFII): 3 465.60
George Weston Limited (WN): $95

TOTAL: $128 820.53

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 747.28
General Mills Inc. (GIS): $1 413.76
Cash: $96.68

TOTAL: $3 257.72 US - $4 285.20 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $874.65
CT Real Estate Investment Trust (CRT.UN): $1 293
Canadian National Railway Co (CNR): $4 512
Exchange Income Corporation (EIF): $31.78
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 552.34
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 094.70
The North West Company Inc. (NWC): $1 490
Andrew Peller Limited (ADW.A): $2 380
Canadian Imperial Bank Of Commerce (CM): $9 942.36
Hydro One Limited (H): $2 031.12
Toronto-Dominion Bank (TD): $1 452.40
Boyd Group Income Fund (BYD.UN): $3 288.90
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 261.30
Data Communications Mgmt (DCM): $7.98
Morneau Shepell Inc. (MSI): $2 452.50
Royal Bank of Canada (RY): $3 814.80
Parkland Fuel Corp (PKI): $2 381.44
Park Lawn Corporation (PLC): $1 271.40
Toromont Industries Ltd (TIH): $2 330.40
National Bank of Canada (NA): $5 463
BCE Inc. (BCE): $497.16
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 930
Sienna Senior Living Inc. (SIA): $1 357.60
Boralex Inc. Class A Shares (BLX): $688.40
Richelieu Hardware Ltd. (RCH): $1 208.88
Savaria Corporation (SIS): $980.70
Enbridge Inc. (ENB): $896.28
Northland Power Inc. (NPI): $2 125
Calian Group Ltd. (CGY): $2 186.70
BMO Bank of Montreal (BMO): $1 981
Canadian Utilities Limited (CU): $1 320.48
WSP Global Inc. (WSP): $1 614.50
Granite Real Estate Investment Trust (GRT.UN): $557
Cargojet Inc. (CJT): $2 396.85 
Agellan Commercial Real Estate Investment Trust (ACR.UN): $797.44
Cash: $3.52

TOTAL: $75 480.50

RSP investment portfolio: 
Emera Incorporated (EMA): $12 144
EnCana Corporation (ECA): $1 086.48
Toronto-Dominion Bank (TD): $2 178.60
Telus Corp (T): $2 334
Royal Bank of Canada (RY): $1 907.40
Savaria Corporation (SIS): $2 830.02
Thomson Reuters Corporation (TRI): $2 576.80
Park Lawn Corporation (PLC): $4 238
Richards Packaging Income Fund (RPI.UN): $1 225.62
Toromont Industries Ltd (TIH): $407.82
CAE Inc. (CAE): $1 831.90
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 900.45
Boralex Inc. Class A Shares (BLX): $860.50
Quebecor Inc. (QBR.B): $698.75
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $352.10
Cash: $335.04

Total: $37 907.48                

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 738.90

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

GIC National Bank: $1 329.75                 

Manulife Fidelity NorthStar GIF CAP B: $1 196.34
Manulife Simplicity Growth Portfolio: $1 313.99
Maritime Life CI Harbour Seg Fund: $1 180.27
Maritime Life Fidelity True North Seg Fund: $1 526.79
Manulife GIF MLIA B World Invest: $1 164.72
Total: $6 382.11

Other various: $11 196.09

TOTAL: $60 634.08

Social Capital at Desjardins Membership share: $35
Pending online income: $99.56
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$270 679.86

Thursday, November 15, 2018

Saying thank you and goodbye to Premium Brands Holdings Corporation (PBH)

I was kind of expecting it, my Premium Brands Holdings Corporation (PBH) continue to lose money again today. And for me, it was the point of no return. I decided to sell all of my PBH shares. I am no longer holding to PBH inside my non-registered portfolio. I guess that tomorrow again, PBH will lose some more money. I didn't want to simply sit there and watch PBH falling down. I decided to sell everything, and I got in a nice capital gain that greatly helps to pay down my margin account. My margin account usage is now at $66 383.92 (I used to be on a 100k, and sometimes a bit more). My non-registered portfolio closed today session at $128 068.52. My net worth must be in the 202k, which is not bad. While being under a 16 000 points, you must find reward where you can find it.

I actually don't remember the last time when my usage of margin had been under the 70k. For me, this is just the natural way things had been done. A 100k margin was quite a big debt to hold on to. The stock markets are not going better. Actually, I cannot say if we are in a good or bad place right now. Its like we are in that big dark shadow that surrounds us. 

If I sell all of my oil stocks: Enbridge Inc. (ENB), Pembina Pipeline Corporation (PPL), TransCanada Corp (TRP), Parkland Fuel Corp (PKI), I could have really little left to pay on my margin account. It's something I like to consider. I really don't like those oil stocks and I find it hard to believe that still today in 2018, and soon 2019, we keep exploiting oil. Its a resource we shouldn't have to rely on.

These days, the environment is the topic à la mode, but in the other hand, we are not cutting down on the planes that travel worldwide, we still have the Formula 1 events, which pollute enormously, and worst thing ever: we still have the Olympics. Calgary vote no to the Olympics in their city and common sense had won. We will never be able to save the world because no real action is being taken by our governments. Right now, we should shut down airplanes, no more travel for nothing, no more oil, no more anything bad for our environment. No more Olympics. But I doubt that the world has the intelligence to move forward in that direction. And personally, I am secretly thinking about selling my oil stocks. I want to go back to my old pure inspirations. A day will come when oil will have little value.

Yesterday, Cineplex Inc. (CGX) was experiencing some major loss. And today, it was the turn of another deep love of mine: Savaria Corporation (SIS). Today SIS drop down 18.78%. No worries for now, I am still experiencing gain on SIS. Will SIS do like PBH and drop again in value tomorrow? If so, I am going to sell!

I am now a bad ass investor.

Agellan Commercial Real Estate Investment Trust (ACR.UN) is now from my portfolio, I invested in a few shares for my TFSA portfolio. Welcome in my TFSA portfolio Agellan Commercial Real Estate Investment Trust (ACR.UN! Go go go and makes mommy proud!

Wednesday, November 14, 2018

A new investment for my TFSA: Agellan Commercial Real Estate Investment Trust (ACR.UN)

Premium Brands Holdings Corporation (PBH) continued to lose some value today, so I decided to sell partly my PBH investment. I made great capital gain on the sell. I always prefer to stick and hold to the investments I like the most, but things never go exactly the way it had been planned and better be ready to stick to no plan at all, and do what you need to do when difficulties arise. Not that you have to sell your PBH shares like I did, but it could be a good idea to partly sell PBH, especially if, like you, you are experiencing really good capital gain on the investment. If PBH goes down again tomorrow, I may sell some more shares tomorrow.

It's not fun to see a stock you like and that you had been holding to for a really long time going down, but when it happens, I prefer to go with my feelings and do what I think its right. I wasn't planning to sell any of my PBH shares today, but I decided to do so to save my money.  For the past year, PBH just keeps going down.

Today, the investors of Cineplex Inc. (CGX) had experiences the same situation I did yesterday on November 13 with PBH. Today, Cineplex Inc. (CGX) shares plunge 20%! I used to have CGX in my portfolio, but that was a long time ago. With Netflix, YouTube and CraveTV, its inevitable, the movie industry is taking a hit. I used to go to the movies once per week, but I no longer do that anymore. The world as we used to know it just keep changing and all of those changes have an effect on the investments we hold. Just like for PBH yesterday, CGX didn't meet the analyst's expectations, and in result, CGX went down on the TSX today. It's never fun to see a stock going down, even its a stock that I don't hold myself. But its how it is. And what will make you successful in the long run is the ease to make good decisions for yourself when difficulties arrived. If you are scared to lose money on a stock that is going down, the solution is easy: sell that damn investment before its too late!

As you may know, I have big margin debt, but with a big margin can comes big problems. I never had any problem with my margin, but at a point, as I am getting older and not younger - this babe will be turning 40 in 2 years!!! - I need to be more careful and it would be much better to begin paying off that big fat margin as I like to call it now, because I wouldn't like to retire and be holding to some debt, and I wouldn't like to work forever...

After the move of today, I estimate my net worth to be in the $201 000, which is not too bad, knowing the conditions we are in. After all, the TSX is still under the old 16 000 points. I will try to update my investment portfolio this upcoming weekend, just to get a better idea where I am actually standing.

I had a small amount in cash inside my TFSA account, which had been there like forever now because I am just getting all crash in by the TSX and your baby can easily get lost. But I am back on track, and I decided to make a small investment in Agellan Commercial Real Estate Investment Trust (ACR.UN). I find this one in one of my Stockopedia's favorite screen: neglected firms.

Excluding the PBH shares that I sold earlier today and including the new investment, I will make probably tomorrow in ACR.UN, my new dividend income with being of $8 372.17. It's, of course, a decrease of where I use to be, a difference of -$338.54, but I am saving $500 in interest on my big fat margin.

Following my investment in ACR.UN, I am looking forward to maybe invest in the following:
RCI.B
PBL
MTY

Tuesday, November 13, 2018

Who's Quebec's most hated CEO of the moment? Alain Bellemare

Yes, Alain Bellemare is currently the most hated CEO of Canada. And is it a true surprise that the most hated happen to be a Quebecker? I experiment it every day while having to work in Montreal for my living, I just know too how much Quebeckers are the type of individuals that you cannot trust in any way. Those individuals are not respectful, and are really dumb when it comes to planning and money management. If you live in Quebec province and are an outsider, don't ever deal with a financial planner, don't trust anyone, double checks everything, be careful, and don't buy any properties, no condo, nothing. Its, like always, my really best advices.

Bombardier received several millions of our tax money and 14 million went in the pockets of Alain Bellemare. And currently, Alain Bellemare wants to cut jobs in order to maximize the revenue per employee.. Why don't you begin by your own salary and set an example? Personally, I never had any confidences in Quebeckers leadership skills, but the case of Bombardier and Alain Bellemare is quite special. My best advice: no matter how low Bombardier Inc. shares are currently trading, don't invest a single penny in Bombardier.

Those last couple days had been rough for all Bombardier employees, and I have a rough day of my own, as my top holder, the love of my life, Premium Brands Holdings Corporation (PBH) lost 16% of its value today. Markets are really hard, or should I say, investors. When a stock doesn't meet expectations, oh lala, watch outtttt!!!!!! This is what happens to PBH. Want to know how I reacted when I notice that my baby PBH was taking a hit? I double check it - oh my God what's going on? And I move on and I don't give a damn. And I also took 5k from my credit line and move it over my margin. I know for sure that TD brokers all have sex dreams about me, every little single of them are dreaming to make that margin call, don't you fuckers? I am awful, the situation is awful, but I am still on a +270% gains when it comes to Premium Brands Holdings Corporation (PBH).

Remember that I built my portfolio starting the 2008 stock crash. I saw everything, and I know how the stock market can be a rough place for such a lady that I am. This is what the stock market is about. But at the end of the day, my PBH stocks are still paying a juicy dividend to its favorite investor - which is myself of course. So breath by the nose.

I love the stock market because its massacre me. But at the end of day, just remember all of my words and it's not a deep hit that will kill this awful little girl. So come on, HIT ME HARD baby. I will always be here and writing all down on the hardest days of my beautiful life on the TSX. I can take a lot of my shoulders and I am ready to face it all.

And have nice dream, TD Waterhouse brokers ;-)

Monday, November 12, 2018

Jamieson Wellness Inc. (JWEL) is on a rough path

I forgot to post this yesterday, after writing it. 

The TSX lost over 80 points this past Friday, but at least, we are still in the 15 000 points. Things are not exactly easy on the TSX.

My non-registered portfolio closed Friday session at $173 988.79, my TFSA portfolio at $76 378.29, and my RRSP portfolio, at $38 650.70. My ARE shares are currently experiencing a 0.15% gains inside my non-registered portfolio. I will keep ARE inside my non-registered portfolio for now, in the hope that it will experiment more gain in the future. In ther other hand, I am experiencing a suprise drop for my Jamieson Wellness Inc. (JWEL) investment. I was on healthy gains with JWEL, but currently, I am only on a 0.56% gains, which is quite disappointing. I was doing so well on that stock, but not anymore.

Sometimes, stocks go down quickly for whatever reason. As for JWEL, I don't plan to sell for now. And I won't sell either way my precious ARE stocks.

Tuesday, November 6, 2018

Great day for the TSX: my non-registered portfolio closed today session at $176 139.09

Its election day in the US, but I am pretty sure that the Republicans will win. Democrates are not the party they used to be, in front of man who lie like he breath, and who has a micro penis, Democrates can't do nothing and that's for many reasons. Donald Trump gave all he could to win this mid term elections and we'll have to wait and see, but he's probbaly going to win, one more time. One of the Democrate is almost a criminal, I don't know the name, but I read something really disturning. We haven't heard Hilary Clinton, she had stayed in her comfort rather than fighting back. And Barack Obama did a few appearances, but nothing much. Overall, Democrates don't have what it take to take the power. Americans are not tired yet of Donald Trump and I understand them. Being American, I would had voted Republican today.

My non-registered portfolio closed today session at a really good $176 139.09. Many great stocks that I own helped my cause, but not yet PBH. TIFF gained 5.15% inside my non-registered portfoflio. Following the announcement of its New Brunswick facility, NTR announced today an increased of its dividend distribution. In result, NTR gains 4.52%. My TFSA portfolio closed today at $76 227.82, and my RRSP portfolio, stocks only, at $37 724.55.

Monday, November 5, 2018

Bad day for both New Brunswickers and Quebeckers, but good day for the TSX

My non-registered portfolio closed today session at a good $174 108.33 - and that is while having my precious Premium Brands Holdings Corporation (PBH) under the mark of $90 per share. Imagine what will happen when my PBH go over on the $90 per share, of if it even exceed it! That's quite exciting! I wasn't aware that NTR had any activities in New Brunswick, but its been announced today that NTR closed a facility in New Brunswick, Sussex. Its quite sad, as 430 jobs are being lost. Personally, I had to leave New Brunswick in order to find work and all of those 430 workers may have to leave New Brunswick in order to find work, but I really hope that they will be luckier than I had. Living among Quebeckers is no great fun. But I had been lucky my way, I had been able to exceed the $200 000 in net worth. I may didn't suffer for nothing after all, but its only money.

New Brunswickers aren't the only bad lucky ones. Rona is closing 31 stores in Quebec province. I don't know exactly how many jobs are going to be involve, but I guess its a lot.

My TFSA portfolio closed today session at $75 854.08, and my RRSP portfolio closed today session at $37 626.28. I was super excited with today 15 217.70 points.

Sunday, November 4, 2018

What is next for New Brunswickers?

The TSX closed Friday session at a good 15 119 points. My RRSP portfolio closed this past Friday session at $37 288.38, my non-registered portfolio at $170 920.26, and my TFSA portfolio at $75 267.45. I currently, I have $800 inside my TFSA, ready to be invested anytime.

And during that time, Adrienne Clarkson is desperately trying to convince us that we should still give her some of our tax money... Just like Michaëlle Jean and currently Julie Payette, Adrienne Clarkson is not doing anything concrete to help Canadians. Imagine if we could put the money that is currently being wasted on the lazy Adrienne Clarkson at work and help indigenous peoples living North who are poorly living in homes that are no homes, and that no white would stand to live in. Imagine how many houses could be build and lives that could be improved, only for the best. Adrienne Clarkson only deserved to be publicly humiliated. And Julie Payette is currently not even absorbing her role... But that's not surprising coming from a Quebecker.

Sad day for New Brunswickers this past Friday. We have a new Prime Minister, but the Tories win. However, I have to say, I had been disappointed by Brian Gallant, I am not under the impression that he gave everything that he could for New Brunswickers. I was expecting much more from him. He wasn't able to highlight the positive effects of bilingualism for our province. With Brian Gallant, Acadians haven't increased or decreased their power, everything is the same as before. It's almost like Brian Gallant was just there to occupy an open seat, and nothing else. Just like Amir Khadir, Brian Gallant is leaving politic with nothing that we'll remember of. All I remember from Amir Khadir is that his daughter Yalda Machouf-Khadir caused thousands of dollars in damaged during the 2012 student protest movement. She should been kicked out of Canada. The family Khadir is the perfect example of an immigrant family who doesn't belong here. I am totally with Donald Trump, the US should not accept the caravan of migrants coming ahead. If they get through the US, those migrants could be tempted to continue their road to Canada, and just look what we got with the Khadir family: unwanted rats who are bypassing the law because they have the money it takes to hire good lawyers.

Calian Group Ltd. (CGY) made interesting gains this past Friday, after announcing an acquisition. Last week, the highest value reached by my non-registered portfolio was $173 000. This past Friday, the TSX finish lower, with 2 days of good in a row, it was totally normal. The TSX was made for ups and downs. What really matters is good result for the long term. The short term doesn't matter and that means that what happened on Monday doesn't really matter. I am however confident that I am about to hit on the 180k non-registered portfolio quite soon. 

Still no new investment ideas, I spent a good part of my weekend cleaning my little apartment and also got a new coffee machine.

Wednesday, October 31, 2018

Saying thank you and goodbye to AltaGas Ltd (ALA)

I ask for it, I pray for it, and I got what I wanted. My TSX is back in the 15 000 points.And now, I want my old 16 000 points back! PLEASE! (We'll see tomorrow if I am still getting lucky on my stock market wishes).
 
This morning, AltaGas Ltd (ALA) wasn't doing better, and I decided to sell, no regrets. I am ready to move on. Now, the only question remaining is in what I am going to invest that money in. Should I really be investing again in Fortis Inc. (FTS)? I always like to get something for my portfolio. For me, its like almost equivalent in term of love as shopping for something expensive, live a diamond ring or something like that. I have no diamond rings on my fingers, but I do have the best of the best stocks in my really awesome portfolio. And just saying, my non-registered portfolio closed today session at a great $172 203.10, my TFSA portfolio at $75 480.85, nd my RRSP, stocks only, at $37 774.41.

No new investment plans for the moment.
 

Thank you

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