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Wednesday, December 19, 2018

Merry Christmas, TSX investors!

The end of the year is coming in a hurry. I would like to have it slow down a little, but its the way it is. Ready or not, holidays are coming in! Yeah! I will be away for a few days for the fabulous New Brunswick. I am probably going to post something before the end of the year anyway. I have less and less time to post anything at all these days. And let say it, the stock market is not helping my cause. Its really rough to be investing in stocks these days, more than it ever been before. I am just really happy that I had been able to sell some assets a few weeks ago, just before it got even worst for the TSX. Its certainly not easy to see the spectacular TSX roading its way behind the 16 000 points, but as days are flying by, I am getting used to it. I was suprised at first, but now its just kind of business as usual... And its seem like we are on our way for even worst.

However, a lot of good can comes from such difficult stock market situation. Take me for example. Thanks to this crazy financial environment, I am paying down my margin! This time coming out of hell need to be seen as a way to improve ourselves. This is the time to be at our really best. Its time to focus exclusively on the really good stocks that I can rely on the long run. It's time to but some money aside for savings (and not investing). And of course, its time to buy some high-quality stocks when they are cheap. 

I already have everything plan for my financial year of 2019. As soon as 2019 kicks in, and that the TSX is open, I want to:

Sell my PPL shares to pay down my margin, and even TRP, to pay down my margin.
After what, I should only have left in the 20k left to pay. It may sound like nothing much, but its quite a little sum and I know for sure that its going to be difficult to only pay down that 20k.

The plan is to get pure of oil stocks, and get out of debt as quickly as possible. The TSX is going weaker and weaker and personally, I think that we may go even lower. Its why I decided a little way back to start paying down my margin. I want to be free to be with my stocks portfolio without having to deal with a margin account.

Today, my non-registered portfolio closed at 120k. In those conditions, I guess I should be happy with what I have. In those conditions, it will be easier for me to keep some money as saving without any purpose. Knowing I will have to pay down a 20k margin debt, I may be able to only save between 4k to 5k....

2019 isn't going to be an easy year. I may invest in some points because I know myself, I won't be able to make a long road out of this if I cannot play in some way with stocks.

Tuesday, December 11, 2018

That margin account is getting seriously paid down

I wasn't available to write anything on Sunday for the usual Sunday evening post. Its just didn't happen. I got a haircut and I actually just realize now, but I got a Marilyn Monroe kind of cutty look! If you want to know what my hair looks like, check the 7th pic of Marilyn on this page. My hairs are curly that way when I don't put any product on them and with something, the curls are more defined. So I guess I need to be flatter that my stylist came with a Marilyn Monroe iconic style on my pretty me. Next time, I will try to have it even a bit shorter. It's actually hard to style very natural curly hair. Such hair needs a really good defined cut. And my hair grows quite quickly too. I need a haircut every two and a half months. I try to extend over it, but it's just not possible. Crazy hair.

Other than my pretty haircut, a lot had happened! I finally got to happen to sell some investments this past Friday. Inside my TFSA, I sold the following: Parkland Fuel Corp (PKI), National Bank of Canada (NA), Canadian Imperial Bank Of Commerce (CM), Enbridge Inc. (ENB), The North West Company Inc. (NWC). The money got transferred from my TFSA to my margin account today. My margin account usage is now at $45 170.95. As soon as January 1th kick in, I plan to probably sell all of my Pembina Pipeline Corporation (PPL) stocks and probably also all of my TransCanada Corp (TRP) stocks, and I will try to invest in my TFSA account. Its been announced that for 2019, the contribution limit for the TFSA will be of $6 000. 

The amount I transferred from my TFSA portfolio to my margin will be eligible for a TFSA contribution in 2019. So I will have over 25k in contribution room for my TFSA in 2019. I already have spotted a few investments that I will like to transfer from my non-registered portfolio to my TFSA one:

Nutrien Ltd. (NTR)
ATCO Ltd. (ACO.Y) 
Canadian Imperial Bank Of Commerce (CM)
Goodfood Market Corp. (FOOD)
TFI International Inc. (TFII)

Aecon Group Inc. (ARE)
Aphria Inc. (APH)
BCE Inc. (BCE)
Emera Inc. (EMA)
Jamieson Wellness Inc. (JWEL)

Following those contributions in kind, I will still room for another close to 5k, but that contribution in cash for my TFSA will be made only once I get the 19k margin left (which is e amount left once I will sell PPL). So all this is finally getting exciting. Who knew that paying my margin could be interesting, but it is when the TSX is all upside down AND trading under the 15 000 points. It's chaos. I still believe that paying down my margin is the right thing to do. It will be my project for 2019.

If you notice, Aphria Inc. (APH) appears in the list of investments I plan to use for a contribution in kind for my TFSA. APH businesses are real, no matter what satanic son has to say about it. APH has always been volatile, it takes a hit on the news, but I think we can expect to see APH back in $20 value one day. I have all the time in the word, and I am certainly not in a hurry.

I cannot even believe that I am finally getting that margin paid off. And I am so pretty with my new hair cut. I look like a cute little innocent angel.

Thursday, December 6, 2018

What is my cold cash?

I received an email today from a reader asking, totally intrigue, what I mean by "cold cash" in my investment portfolio:
New to my blog? Maybe you didn't know, but cash has it own favor, taste, and its cold or hot depending of the situation. And inside my portfolio, cash is absolutely COLD because I am hot. Cold cash is simply what I have as saving, and I don't have much as you can see. I basically live paycheck per paycheck and I invest all that I can straight on my TSX, and my stocks are my babies.

Its the end of the year 2018 and its quite busy at work. And I feel more and more tired as days go by. Its now starting to get dark at 4 pm if not earlier and it seem to be effecting my level of energy. And I just cannot be that way, especially now when I have so much to think about. I sleep so well in the morning like a little angel, but I have to get up and go to work... And I also have to figure out what do I sell before 2019 hit me in the face, among others. But one thing for sure, the TSX took a good hit today, going all the way down UNDER the 15 000 points - one more time. Like this is the new reality for investors, the environment is all mess up and the stock market is shaking because we had been braved enough to arrest a rich Chinese woman and send her straight to her hell and pay for her crimes in... the USA. In China, there's no social justice, but justice exist in Canada. And this is all of what China government need to understand.

In reaction, my non-registered portfolio closed today session at a $125 811.01 my TFSA portfolio at $74 259.84. My margin usage is at $66 177.58. I am looking forward to sell for $20 000 worth of stocks inside my TFSA to pay by margin. In 2019, I will sell my PPL shares. Following what, I will only have left $19 000 in margin debt. And I plan to pay it off within the year 2019. That's the plan. A $19 000 can be paid withing a year.

Monday, December 3, 2018

Aphria Inc. (APHA) is still the best pot stock on the TSX

I didn't place any order for my new investment inside my RRSP portfolio, I was too busy at work. But I did saw the nice little jump that my belove TSX made at the opening this morning. Some where in the 15 300 points! Let's go bitch, you can do this! Go go go! This should be enough to motivate her soul to start the day on a higher note today.

Just like Exchange Income Corporation (EIF) had suffered from malicious manipulations coming from a dumb-dumb American of the name of Marc Cohodes, Aphria Inc. (APHA) is currently suffering from attacks coming from another American, this time, Marc Cohodes is not involved. Today events seem to be coming from Gabriel Grego, founder of Quintessential Capital Management. I would like to understand why investors care about what Americans have to say regarding our great economy and about the great companies that composed that great economy. Americans are not exactly smart, its a well-known fact. And I refused to accept the fact that the opinion of some idiots can have a huge impact on our economy. 

I recognize a good stock and if I decided to invest in Aphria Inc. (APHA), its because it was the best pot stock we had in Canada. Or one of the best. Just like Donald Trump did with us, people like Marc Cohodes and Gabriel Grego like to mess with us. We should declared war to those short-seller stars and brake them to the bones. When it comes to Americans, I am absolutely intolerant. I don't think the modern world should pay any attention to what's going on in the USA. The world is much more than only the US. The Americans actually block our perspective by desperately getting all the attention and today, Gabriel Grego did his move, and idiot investors had faith in his voice.

Men like Marc Cohodes, Gabriel Grego like to make some noise and receive attention, but they are both two perfect American idiots just willing to destroy what we have best: our economy. I am really proud to have Aphria Inc. (APHA) in my portfolio and I won't ever let an American with poor judgement to decide of the destiny of my assets.

At some points, someone need to pay of their actions and its not us, Canadians to pay. Fuck off Americans from the TSX.

APHA will recover. Like for any news, Aphria title is really volatile, but today wasn't a good day. But guess what, tomorrow is another day, even for Americans.

Sunday, December 2, 2018

Getting ready for my next investment: MTY Food Inc. (MTY) for my RRSP portfolio

My non-registered portfolio closed today session at $128 415.28, my TFSA portfolio at $75 729.71, and my RRSP portfolio - stocks only - $38 676.06. My margin account usage is at $66 214.31 and amount of money left of it available, somewhere in the 18k. My numbers are not too bad. I didn't sell any other stocks yet in order to pay down my margin.

I worked really hard to save money lately. Today, it was raining all day long in Montreal, so I count my penny cash and I actually had $111 in a mix of 5 and 10 cents, and maybe another $100 as I have a bunch of 25 cents that I am not done counting. :-) And before that, I went out for a quick walk as it was heavily raining... and I started feeling something cold on my feet, and it was the rain of course. My winter boots are no longer waterproof. I didn't like those winter boots anyway, but I am a bit upset that I have to buy a new pair, especially now while I was pushing hard to cut down my spending. I really don't want to buy a new pair of winter boots, especially not now.

I am quite good at playing this game of saving money. And whenever I want to play it really hard on myself, I put on a cash diet. The idea is, other than the regular bills and rent payment, you go on cash to pay for everything else and of course, you imposed a limit of cash you have to live on. Not exactly easy. I withdraw $100 in cash per week and that's all I have to cover everything for grocery and everyday expenses for one week. And a $100 is not a lot of money, but it's doable. And the fun is to try to go under the $100 per week. I almost already spend $100 already for this week, but that's because I bought some laundry tickets. I actually have only $9 to $10 left for this week, which will go for coffees. I cut down a lot in my coffee expenses my bringing a thermos of coffee to work. And I bring my lunch, of course. I usually set my lunches for the week on Sunday evening, and I usually clean my apartment on Saturday. In order to save money, the best behavior is to be organized. If you do all the crap before starting a new week, it will help.

I also put a few items for sale on Kijiji, but no luck so far. But I did sale a few items on Kijiji earlier this year. It worth it to check out on the stuff you no longer use and put it to sale. The most annoying part is to handle the emails. I received a few of "is this item still available" kind of email, which is really annoying, but other than that, selling stuff on Kijiji is pretty straightforward.

I currently have over $600 in cash inside my RRSP portfolio. And that's because of the extreme generosity of Thomson Reuters Corporation (TRI) who decided to treat me like a princess - and all of the investors who are holding on to some TRI shares. With that money, I would like to make a little investment in MTY Food Inc. (MTY).

Sunday, November 25, 2018

The plan to pay down my margin account in the next three months

The TSX is really difficult to follow right now, its just so volatile! The ride is wilder than ever before and this is not my favorite time. My best time was following the 2008 stock crash. I love my TSX when it's calm and steady. Are the good old days gone for goods? There are always opportunities on the TSX, but it's just that things are getting harder and harder, at least for me. Its costing more and more to invest at credit, and the volatile market makes it riskier than ever to be on a margin account, like the one I had until recently. I decided to sell my PBH shares to pay down my margin and I have no regrets. 

My non-registered portfolio closed this past Friday session a $126 443.97, my TFSA portfolio at $74 795.23, and my RRSP, stocks only, at $37 755.88. Its now official, the TFSA contribution limit for 2019 will be of $6 000. Better start saving now!  A 6k represent a good amount of money to save.

This past Friday session, my margin closed on $66 731.31. Its an increased of $358.02 compared to November 16, but that's only because the interests kick in. And that's exactly why I decided to sell off my PBH shares. With interest rates that are just going to keep rising, a 66k margin felt better on my shoulders rather than a 100k+ one. And no one has the right to doubt on my decisions on that matter. And no one certainly doesn't even have the right to even think that I am not taking the best decisions for myself, because I always do. With this last paycheck, I am going to be able to decrease my margin to $66 011.31. Its amsll step in the right direction, but in other to take bigger steps, I need to sell some investments. And its now all planned!

I am thinking about selling the following stocks inside my TFSA portfolio:
Hydro One Limited (H)
Toronto-Dominion Bank (TD)
Royal Bank of Canada (RY)
Parkland Fuel Corp (PKI)
National Bank of Canada (NA)
Enbridge Inc. (ENB)
BMO Bank of Montreal (BMO)
Canadian Utilities Limited (CU)
Canadian Imperial Bank Of Commerce (CM)

The sell of those stocks should bring on close to $30 000. If I sell those stocks before the end of 2018 and if I transfered the money earn to my non-registered portfolio to pay down my margin, I will be able to reinvest that 30k inside my TFSA portfolio in 2019. I already spotted a few investment I have inside the non-registered portfolio that I would like to proceed with a contribution in kind of to TFSA in 2019: Nutrien Ltd. (NTR), Jamieson Wellness Inc. (doesn't), Aecon Group Inc. (ARE), TFI International Inc. (TFII) - and maybe: ATCO Ltd. (ACO.Y). While selecting some stocks to proceed with a contribution in kind for my TFSA, I always try to target stocks that I really want to keep in my portfolio, but that registered small capital gains, no capital gain at all - or who are experiencing a capital loss.

As soon as 2019 kick in, I could sell my PPL and ENB shares. Following what, I will collect more than what I need in order to completely pay down my margin. After this exercise, I will have a 5k left in cash in order to invest inside my RRSP - that RRSP investment will be made in order to help a bit to reduce my taxes, since I will collect a great following the sale of PPL and ENB inside my non-registered portfolio.

I could pay everything I own for my margin as soon as January 2019. And just to make sure a new debt cycle don't happen again, I will close my margin account. It will be a release for me to be debt free, it will be start of a new beginning where the money I collect as the dividend earned can goes as saving or for new investment, but definitively not to pay the interest of a margin account.

All this only to pay my margin account, but I decided to pay it all for many reasons. A recap of the reasons why:
-I will be turning 40 (!!!) in two years and I need to accelerate my savings and decreased my debt - which is my margin.
-Its getting more and more expensive to invest on credit, as prime rate just keep increasing - and will probably be increase again in 2019.
-A margin is link to the value of stocks, which value is volatile - you always need to check on your stocks to make sure your margin is ok.
-I borrow money from my credit lines when I am away to pay down my margin - and that cost me money.

Paying debt is never a wrong move, no matter what you need to sacrifice.

Saturday, November 17, 2018

The little story of me and my margin account

I updated my portfolio yesterday, something I didn't do in a really long time. Actually, I didn't publish any portfolio update since August! And that's because the TSX had been such a rough place to be this year. I usually update my portfolio only to flatter my ego, when my portfolio registered great gains. With this recent update, I just wanted a more precise idea of where I was standing. I had been thinking about paying down my margin for also a really long time, its been an idea that stayed on, but I never took action. And my margin debt even was real massive shit, a $100 000, and sometimes, it exceed the 100k mark. I had a margin account for quite a long time. But when I first open my brokerage account, I didn't have back then a margin account - I had a margin opened only several years later. At the time, the idea was to open a margin to pay off some debts. And at the time, it was quite a good idea. The stock market was on a good path, interest rates were low. I had everything for myself. And during those good years I collected good assets. And I occasionally used my margin to pay some living expenses, and I sometimes use my margin money to invest. I was that kind of girl. I was a margin kind of sexy girl, tun of money at my feet, and the power of my young thirties.

I never had any problems managing my margin account, mostly because it was living under great stocks that I was holding inside my non-registered portfolio, and because I always try to keep a $13 000 of unused margin money. 13k being the minimum of the minimum. $15 000 was better, and $20 000 even better. But no matter how much I had left of unused margin money, whenever I was leaving for my annual vacation in Cuba - or even while leaving Montreal for a few days in New Brunswick, I always had to use extra precautions. So what I used to do whenever I was leaving Montreal behind, I was making sure to transfer between 10k to 15k from my credit lines to my margin in order to keep it safe while I was away. The stock market being what it is, I couldn't take the risk of not doing anything to keep my margin safe.

There's nothing safe about having a margin account inside a non-registered portfolio. No matter how much cash you put in, a margin situation is never safe. But it kept me satisfy and I had a peace of mind knowing that I had extra cash on my margin while being away. This little scenario kept happening each time I went to Cuba - once a year - and every time I went to New Brunswick - many many times a year! Just keeping my margin "safe" cost me money. Not that much, but still, it was money flying away.

I had my fun with my margin account, I had paid my other debts. And back at the times, the interest rate was low on my margin account - the good old days - but it's not the case anymore. Interest rates are skyrocketing and it's not going to stop anytime soon, especially in Canada. It's been announced that the prime rate will get increased again sometime soon. I appreciate the fun margin account, but now, I am somewhere else. I felt more and more the need and necessity to pay off my margin.

I decided to sell my Premium Brands Holdings Corporation (PBH) shares, it was a personal decision that relies exclusively on my shoulders, like the rest of all of my investment decisions. And like all of my decisions, they are all mine to take. And it makes me kind of laugh to read the comment of readers. I only post them to entertain. It's easy to say that I should sell my PBH shares when the investment was rocking at $122 a share... It's easy to talk, but its something else to be an investor on the everyday life. And I would like to know how much money those soft talkers actually have for themselves...

I always wrote about absolutely everything that concerns my investment life and I go into the deep bottom of it. Popular bloggers don't even give half of what I give to my readers. I made great money by selling my PBH shares, but of course, I could have made even more if while selling when PBH was on top. But my intention has never been to sell my PBH shares. I decided to sell because I didn't want to see PBH go lower and I just couldn't be there and do nothing about it. I could have only partly sold, but I was released to see my margin usage going down. Since the amount on the margin was exceeding the $100 000, my only option to reduce it was to sell some assets. The stock market is a place of opportunity. The buy and sell are orders, and the "if I would sell", or the "if I would have bought" always remain. I could have made better, or worst, but I stand on my decisions. Talkers can talk, but cane the same talkers can do better? I doubt.

The stock market is not a soft place to be, the TSX is rocky, but interest rates are going up. It's not the best cocktail. In other words, what I mean is that we just don't know what this is going to lead us to. The financial places worldwide could get all upside downs again soon that it wouldn't surprise me at all. Usually, the TSX is easier and I get more of a natural feel of it. Even following the 2008 stock crash, it was writing in the stars that the TSX was going to jump over it. I knew that. It was what I believe in. But now, it's all different. I love investing in stocks and I think that I will always be investing in stocks, but not while having a margin. On the date of November 16, my margin account is now at $66 373.29. I just don't remember the last time my margin usage was so low.

Selling stocks at profit inside a non-registered account mean tax to be paid. If you would like to learn more on the matter, this article by Tina Orem is really great.

2018 year was the year I sold PBH, and 2019 could be the year when I sell my oil stocks. You understand of course that the idea is not to sell everything on the same year, in order to pay a bit of tax this year, and a bit next year. I could invest a bit in my RRSP by March 2019 - its an idea I have in mind.

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:

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.

Tuesday, October 30, 2018

No more juicy dividend for AltaGas Ltd (ALA)

Finally, the TSX gain closed to 200 points, no too bad. Those gains had a positive effect on my investment. My non-registered portfolio closed today session at $171 122.60, my TFSA portfolio at $75 067.72, and my RRSP, at $37 564.45. Aecon Group Inc. (ARE) continues its road to glory with interesting gains. It took some time for ARE to catch up, but Ottawa didn't help the cause by rejecting ARE acquisition by a Chinese state-owned company. I like this kind of industrial stocks. I had great success with my investments in Toromont Industries Ltd (TIH) and WSP Global Inc. (WSP). It really fit me well and looks good on me. Thank you for the free cash TIH and WSP.

Wow wow wow.

Bad news for AltaGas Ltd (ALA) today, it will no longer pay a dividend and is kind in big restructuration process. I lived something similar in the early days when I was holding to New Flyer Industries Inc. (NFI). But NFI turns out just right and bring me a lot of $$$. Will it be the same story success this time for AltaGas Ltd (ALA)? Unfortunately, I don't think so. Natural gas doesn't seem to be a profitable sector for the long run. I got stuck with EnCana Corporation (ECA) in my RRSP portfolio and this stock has a real problem to go back to its old high value.

I would like my readers to stay away from natural gas stocks like ALA, and ECA. There are so many great stocks on the TSX, you can certainly leave behind those two little losers. Make mommy proud.

Anyhow, I have those two little losers in my portfolio, but I am certainly not a loser. I am looking forward to sell my ALA stocks and reinvest the money. I was thinking about investing in TD stocks, since the stock is trading low right now. I don't have any problem with selling stocks from time to time, when I have my reasons. Its always a personal choice, but the choice is all yours to take.

The stock market is a place of complete liberty. No one can restraint your orders, you are free to buy and sell whatever you want, whenever you want, no need to argue with anyone and its what I like about it. I don't like to waste my time, I don't like working in a "team", I hate having to deal every day with colleagues, I hate being gentle and polite. So the TSX is my place to do everything I want and trust me, I am taking over all the place. Me and that bitch, it's for life. That's why I have this crazy awesome portfolio.

In other words, I am really awesome.

Go go go TSX you can make it to the 15 000 points! PLEASE!

Monday, October 29, 2018

Next investment please, more Fortis Inc. (FTS)

What a crazy day for the TSX! The morning started with great gains, we were going to reach back the 15 000 points at least, but the TSX decided to moved in the wrong direction to close the day on a very bad 14 721.75 points, losing -1.12%! OH no! My non-registered portfolio closed today session at $169 596.06, my TFSA portfolio at $74 458.27, and my RRSP portfolio (stocks only like usual), at $37 198.83. While the TSX was losing 166 points, Aecon Group Inc. (ARE) is up to work and continue its road to glory. Goodfood Market Corp. (FOOD) is doing alright, under the circumstances.

While the TSX is experiencing so much volatility, is really important to yes, take advantage of this volatility to invest in stocks that are currently trading at a bargain price. Its now more important than ever to be extremely selective. Its not time to invest in pot stocks or anything naughtier, so you won't see me investing in anything really exotic. I had been investing in stocks for over 10 years now but the last couple days had been strange on the TSX. I don't remember seeing a TSX so volatile. Normally, big drop bring in good gain, in a relatively short period of time. I really don't remember seeing such volatility over the TSX and it doesn't feel like its normal. I am not going to forget with this month of October 2018 anytime soon.

Anyway, if you are looking to watch something to bright on your spirit, I really suggest that you watch Broad City on CraveTV, its crazy fun and absolutely hilarious!!! I am almost done watching the 4th season. Broad City takes place in New York, its really good, but its American. On the other hands, the Goop garbage of Gwyneth Paltrow is planning to come to Canada? We certainly don't need that shit in our amazing country. Gwyneth Paltrow is like Melania Trump while visiting Africa, an intrudor, an unwanted one.

I think I am going to invest in FTS. I just don't have no other ideas for now, its my best pick.

Sunday, October 28, 2018

Welcome again, Bank of Nova Scotia (BNS) in my non-registered portfolio!

My non-registered portfolio closed this past Friday session at $171 515.28, but that's only because I invest in a few shares of Bank of Nova Scotia (BNS). The TSX had closed at its lowest level since November 2016, so I had to invest in a high-quality stock that would be push over the edge once the TSX decided to move back in the old 16 000 points. I am quite happy with the new investment in BNShappens because I purchased my new stocks at $69.14. My TFSA portfolio closed the session at $74 928.20, and my RRSP, stocks only, at $37 436.69.

BNS was among the first stocks I ever own, so it was just a natural move to invest once again in this one, especially now that it trades at a low price. I am looking forward to investing in other good quality stocks like BNS who are trading at a good price right now. I would like to invest again in Fortis Inc. (FTS). Fortis is also a stock that is from my non-registered portfolio since the early beginnings. I am looking for good quality stocks, reliable dividend and that are trading at a lower than usual price. Fortis Inc. (FTS) is a real easy stock to hold inside a portfolio. FTS is really reliable. And just recently, Fortis increased its dividend distribution. Another idea for investment on the low: Savaria Corporation (SIS). Other ideas: PLC, MX - but MX doesn't pay much in term of dividend. When you get hungry, hit on dividend stocks.

It's not pleasant to be on downslide market, but this is exactly how I started investing in stocks back in 2008 and its really how I had been able to create value over time. Its true that I am currently not at my best, but sooner or later, the TSX will be back in the 16 000 points and when it happen, this bitch will be back right on top, and just watch me hit on the not the 300k, but 400k net worth, ok? You need to pack the love at the right place.

This past Friday session, Aecon Group Inc. (ARE) gains over 11%, which is really good. I think that ARE may be on the right track for more great results. Fact is, there's alwyas great things going on for the TSX. Its your appreciation of the great TSX that will pay on your favor for the long run, and nothing else.

Wednesday, October 24, 2018

The TSX is under the 15 000 points

Its not fun to see the TSX going under the so valuable mark of 15 000 points. And its doing so for a mix of reason, economy going to well, pot stocks drooping in value, interest rate being hike in the US and now, in Canada... The economy is just going too well, and in result, central bank increase their interest rates, but markets don't like it. Its quite strange, I think the first time ever that I am going through a stock crash because the economy is doing too well. Anyway, it has bad consequences for the stock markets all around the world. Problems between US and China are not helping either.

Anyhow, for now, I am doing ok. My non-registered portfolio closed today session at $170 033.38, my TFSA portfolio at $75 295.72, and RRSP portfolio at $37 632.75. I had lost in value, but my dividend income remain the same. Got to focus on the bright side. I am still on profit with many of my stocks, and its the case of the vast majority of my stocks. If you are in for the long run, focus exactly on that, the long run. Its not the moment to sell any of your stocks. Its not pleasant to see your assets going down, but its part of the game.

2018 was supposed to be my year of glory, the year when I was going to hit on the $300 000 magic net worth. During that time, if you want to get a good laugh, CIBC is offering me a credit card transfer at 1% interest and BMO Mastercard wants to increase my credit limit and want me to proceed with a credit card transfer at 0%. I accept the offer of BMO to increase my credit card limit. BMO Bank of Montreal and CIBC (but I like CIBC anyway) are real gangsters who are trying to make more money on the back of your really precious Dividend Girl.

This is not a fun moment, but now is the perfect time to focus on your budget, see where you can save money, cut your spending and invest all that good money over the TSX to make sure my baby hit on back the 16 000 points. But let's begin with a 15 000 points please.

Tuesday, October 23, 2018

WesternOne Inc. (WEQ) is making a little comeback

Things are rough and tough on the TSX right now, and its pretty much the same thing for other stock markets across the world. Basically, things are getting too well, interest rate increase in the US, + many other things going on, and my baby TSX cannot handle it, but no worries,I am here and I will shake her up.

My non-registered portfolio closed today session at $174 244.91, my TFSA portfolio at $76 608.59, my RRSP portfolio at $38 123.22. WEQ recently makes some nice gains. WesternOne Inc. (WEQ) is about to be acquired by United Rentals of Canada. Its a good thing for WEQ shareholders like myself, it may lead to some more interesting gain, who knows.

Earlier this month, Fortis Inc. (FTS) announced an increase in its dividend distribution. And recently, it was the turned of TFI International Inc. (TFII) to increase its dividend. Following what, my dividend income is now at $8 660.09 (excluding RRSP distribution), which is quite nice.

We are expecting snow this Saturday in Montreal, so I decided to buy a new winter coat at La Baie. Any dividend penny is welcome.

Sunday, October 21, 2018

Be a chart reader on Stockopedia and become an investor Godness like someone I know

My non-registered portfolio closed this past Friday session at $176 163.10, my TFSA portfolio at $77 024.34, and my RRSP - stocks only - at $38 093.44. Things are getting better. Its looking like Premium Brands Holdings Corporation (PBH) really want to reach back the $100 per share. A back to the $122 per share would even even better.

I double check my latest finding, Sylogist Ltd (SYZ), and I don't like the fact that it had reached the $20 per share several days ago. See for yourself:

I don't like this overall chart. Why? Its because SYZ still, on date of today, didn't catch up to the old +$20 it had reached in 2000.

Another good example of an overall chart that I don't like is Tecsys Inc. (TCS). We note exactly the same scenario here:

I am looking for stocks who has a perfect chart. An example of a perfect chart is Canadian National Railway Co (CNR):

CNR certainly represent THE perfect chart, all the way up, it exceed its 2008 value. What I am looking for is for stocks who are permanently sitting their best assets (not to say ass) on their highest value ever. Of course, those stocks are hard to find, but I always find new ones, like for example, Mainstreet Equity Corp. (MEQ):

This chart is "rockier" than CNR, but still, Mainstreet Equity Corp. (MEQ) has a lot to offer to investors. Its just too bad that MEQ doesn't pay any dividend.

With this simple strategy that consist at "reading" overall charts, you'll read chart like a fortune-teller read palms for your really own benefit. There's nothing complicated when it comes to investing in stocks. Of course, good past results don't mean that a stock will continue to have good results in the future, but please, tell me, what are the risks for Canadian National Railway Co (CNR) to worth next to nothing in the years to come? That risk is really low. 

A good lecture of an overall chart will tell you a lot about the personality of a stock. We had lived several crisis before, including the 2008 stock crash - which is the most symbolic one for me. A stock that is volatile will show a rocky stock. CNR is not what I will define as being a volatile stock.

While browsing on the different screens present in Stockopedia, its mainly what I do, looking at the overall chart of each and single stocks presnt in all of those screens.

All of Canadian weed stocks, including Aphria Inc. (AHP) that I hold inside my non-registered portfolio, all have really rocky volatile stocks. And as long I am concern, none of them pay dividend distribution. Pot stocks are too volatile and are far as being good investments like Canadian National Railway Co (CNR). I hold APH for now, but when I get the chance to sell out of shares, I will.

I am hunting for the exceptional, and that's always really hard to find, but I recently got lucky. I had found a really perfect stock: Cargojet Inc. (CJT):

Yes, this overall chart of Cargojet Inc. (CJT) is albsolutely PERFECT and that's why that this being is now in my investment portfolio. To make smart investment decision is quite simple and easy. No need to have any financial knowledge - I don't have any -, read the overall chart and make some killer findings. Now, the only question is, what are you waiting for? 

And let's not forget to cheer up the TSX before brushing your teeth for bedtime.

So go go go sexy darling. GOOOOOOOOooooo


Thursday, October 18, 2018

And now: Sylogist Ltd (SYZ)

Premium Brands Holdings Corporation (PBH) is making interesting gain. PBH is getting closer and closer to the $100 share value. I am doing a bit of browsing on Stockopedia, and I found a few interesting things:

-InterRent Real Estate Investment (IIP.UN) - this one could be a nice replacement for Firm Capital Mortgage Investment Corporation (FC) that I recently sell inside my TFSA portfolio
-Mainstreet Equity (MEQ) - I mention this stock before and even with the recent "crisis" MEQ is going on strong
-Sylogist Ltd (SYZ) - this is quite a mysterious company in intellectual property. There's absolutely no info regarding the board or the management of this company in their Web site, which is really strange.

One thing for sure, James D. Wilson, the CEO of Sylogist Ltd (SYZ) is a discreet man - too discreet for my taste. I like to know who I am dealing with when I invest my money and if I cannot find a pic somewhere of that James D. Wilson - who actually may be the CEO of SYZ, I am not even sure!

SYZ has a nice chart, is decent in term of StockRank in Stockopedia and pay a decent dividend.

The only matter being: who's on board, and who's the CEO???

If those infos aren't explicit like they should be, its a problem.

Wednesday, October 17, 2018

Cargojet Inc. (CJT) is the perfect stock for the perfect Dividend Girl

The TSX didn't continue in its glory gains of yesterday, but my numbers are about the same as yesterday. It feel great to have my non-registered in the 175k. I will be up and running in no time, so I am drinking my glass of Martini in the hope of future gains. I actually bought my first bottle of Martini last weekend and I kind of like it. A like alcohol once in a while, but I am not into drugs or weed, even if today mark its first day of legacy in Canada.

I am really glad that I invested in Cargojet Inc. (CJT) inside my TFSA account because 2.73%. And just in case you are really curious, on how I find this killer stock, its not a secret, I wrote it before, I find CJT using Stockopedia screens. And sincerely, I wish that CJT take the place of my late Exchange Income Corporation (EIF) inside my TFSA portfolio. I felt the pressure to sell off EIF following Marc Cohodes evil games. And I never felt so devastated. Even today, EIF is not were it used to be. Just like Donald Trump, I suspect Marc Cohodes to have a tiny little penis. Very little and very delicate, useless as the man that he is.

Personally, I don't find that Stormy Daniels has a horseface. I actually find her quite pretty, but I wouldn't like to be in her shoes. Trump should look at his wife face, Melania has a real strange face, but Stormy has a perfect face. Would you like to see my face? Well, you won't ever see if, but in exchange of your fidelity, I give you everything, except me.

And sometimes, you don't even need a penis to be a good stock picker. You just need Stockopedia.


Tuesday, October 16, 2018

With Fortis Inc. (FTS), I get what I need: DIVIDEND $$$

Nice little jump for the TSX today. But one question remain: how long will it take for the TSX to go back to its old 16 500 points?

My non-registered portfolio closed today session at $175 168.29. My investment in TFI International Inc. (TFII) gain 1.79%, which confirm my good taste when it comes to stocks. I only fall for the really best. My TFSA portfolio closed today session at $77 358.86. Inside my TFSA portfolio, my investment in Cargojet Inc. (CJT) gains 1.39%. Let's go my girl. Its not anything soon that I am going to fail on the stock market. I am not ready to pay off my margin debt yet and its not anytime soon that I am going to stop investing in stock. Especially now, it feel like the real game is only beginning. I want my $300 000 net worth. My RRSP portfolio closed today session at $38 360.13. 

To make the story short, if you are looking for investments that will perform well on the long run and pay back in dividend, feel free to invest in my TFII and CJT, but don't go with mutual funds, and certainly don't go with an investment that is manage by a Quebecker, the JFT Strategies Fund (JFS.UN) of Jean-François Tardif is an example of a bad investment manage by a so call professional who's only an investment fee sucker. You basically pay for a name that no longer has any notoriety. Jean-François Tardif has prove that he's nothing more than an incompetent Quebecker, and in Quebec, they are many like him, to fresh, arrogant, an incapable of getting good returns for their investors. You should definitively avoid any investment manage under a Quebecker. As for Quebec stocks, some worth it, but there again, don't invest too much in the same Quebec company and keep track safely. I own really good Quebec stocks, like TFII, SIS, LAS.A, but I manage and I manage and I manage. This mean that I keep track. I actually do something that Jean-François Tardif doesn't know how to do anymore: manage money for its profit. But don't ask too much for Quebeckers, its a province of losers.

I had been holding to Fortis Inc. (FTS) for a long time now inside my non-registered portfolio. When it come to investment, I take my duty seriously, I am all in to make money, and I try to hold to the best. And Fortis Inc. (FTS) is one of those investments, a must have. FTS always been a good loyal investment, its one of my rock, and that it probably won't change in the years to come. Best of all, FTS increase its dividend distribution on a regular basis. And today. Fortis Inc. announced a 5.9% increased of its dividend. 

With my recent portfolio changes, my annual dividend income (excluding RRSP) is now at $8 640.17. Not too bad. I don't really focus on my dividend income. Its much more important to hold to really good stocks that will fight and perform on the long run, rather than purchasing whatever stock that offer a too juicy dividend.

And for that reason, I find myself really really bright. I have sell my investment CHP.UN at profit and it was about time. Sell when you can, pray and eat breakfast.

And best of luck, because you'll need some.

Thank you

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