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Saturday, March 17, 2018

Ladies and gentlemen, my baby Premium Brands Holdings Corporation (PBH) is hitting hard in the woods

Let's go Premium Brands Holdings Corporation (PBH) and burn the house. Go go go!

I just published my first portfolio update for the year 2018. I usually only publish an update when I exceed the previously published portfolio. However, I did an exception today because I was really curious to find out about my current exact net worth. Back in December 2017, my net worth was of $221 989.65. I am currently on a net worth of $217 246.23, I am behind by -$4 743.42, which is not too bad. $221 989.65 was the highest value I ever reached. It's actually quite normal to be below the highest value at some point. I am confident that I will back on it soon. I am not getting any help from Donald Trump, that's for sure.

Donald Trump is causing a lot of stress to stock markets. It's really not an easy thing to be an investor under Trump administration. Its actually a living hell and our belove TSX is put under pressure.

This past Friday session was a good one. Those 15 711.33 points felt quite good. And even better, this past Friday, I saw my belove Premium Brands Holdings Corporation (PBH) hitting the $110.35 per stock. Knowing PBH is a big holder in my portfolio, I was in heaven. So damn lucky, like always. I will be actually a lot happier if now my precious Aphria Inc. (APH) stocks could simply hit back the $20 value. Right now I am not smoking weed, its weed who's burning me upside down. It seems to me like I am not asking that much. APH is super volatile and I belive it will eventually hit back the $20 per share value. In the meantime, it allows be to digest the shock and I am just really thankful that I didn't invest a too big amount on this one.

Following my last portfolio updates, I don't know if you have noticed, but I will help you out: my non-registered portfolio is at its highest value ever. At $187 654.72, its even exceeding its December 2017 value. And right now, there's just one thing that I want, its to get on the $190 000 value for my non-registered portfolio. However, I am in no rush, for several reasons: the TSX can go lower anytime, and I also don't have that much in cash right now, tooo bad.

Another interesting fact, its actually in March of last year that I was reaching my first $200k net worth.

Its unfortunate, but so far, 2018 is not a good year and I am probably not going to be on the $300 000 net worth anytime soon. I am just a very poor little girl.

Friday, March 16, 2018

My investment portfolio on date of March 16, 2018

Non registered Investments:

Cold cash: $2 820.76

Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.21
Bank of Nova Scotia (BNS): $9 986.13
Blue Note Mining Inc. (BLNMF): $0.52
Methanex Corporation (MX): $7 683.80
Fortis Inc. (FTS): $5 164.80
Pembina Pipeline Corporation (PPL): $24 906.60
Enbridge Income Fund Holdings Inc. (ENF): $10 699.17
Corby Distilleries Limited (CSW.A): $ 2612.25
Premium Brands Holdings Corporation (PBH): $51 432.10
iShares S&P/TSX Capped REIT Index (XRE): $2 516.36
New Flyer Industries Inc. (NFI): $6 201.36
TMX Group Inc. (X): $611.92
K-Bro Linen Inc. (KBL): $3 765
WesternOne Inc. (WEQ): $14.50
TransCanada Corp (TRP): $1 396.75
Canadian National Railway Co (CNR): $8 662.50
Enbridge Inc. (ENB): $1 155.84
Nutrien Ltd. (NTR): $6 622.86
Canadian Utilities Limited (CU): $1 417.50
Black Diamond Group Ltd (BDI): $63
Emera Inc. (EMA): $1 000
BCE Inc. (BCE): $1 241.68
Saputo Inc. (SAP): $1 649.20
Lassonde Inc. (LAS.A): $2 600
Loblaw Companies (L): $789.72
Savaria Corporation (SIS): $9 238.35
Canadian Imperial Bank Of Commerce (CM): $3 516
ATCO Ltd. (ACO.Y): $2 469
Jamieson Wellness Inc. (JWEL): $2 069
Northland Power Inc. (NPI): $2 263
WSP Global Inc. (WSP): $2 993.50
Aecon Group Inc. (ARE): $1 868
BMO Bank of Montreal (BMO): $1 974.20
National Bank of Canada (NA): $3 185.50
Aphria Inc. (APH): $2 948
Canadian Real Estate Investment Trust (REF.UN): $2 936.40

TOTAL: $187 654.72

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 655.68
Coca-Cola Company (The) (KO): $1 477.64
Cash: $66.06

TOTAL: $3 199.38 US : $4 108 CAN     

Tax-free savings account (TFSA):

EnerCare Inc. (ECI): $53.43
Dumont Nickel Inc. (DNI): $21.53
RioCan Real Estate Investment Trust (REI.UN): $827.05
AltaGas Ltd (ALA): $746.70
CT Real Estate Investment Trust (CRT.UN): $1 329
Canadian National Railway Co (CNR): $3 850
Exchange Income Corporation (EIF): $33.41
Firm Capital Mortgage Investment Corporation (FC): $525.60
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 533.58
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 176.90
The North West Company Inc. (NWC): $1 333.50
Andrew Peller Limited (ADW.A): $3 151.80
Canadian Imperial Bank Of Commerce (CM): $9 962
Hydro One Limited (H): $2 073.53
Toronto-Dominion Bank (TD): $1 518.40
Boyd Group Income Fund (BYD.UN): $3 246
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 452.80
Data Communications Mgmt (DCM): $9
Morneau Shepell Inc. (MSI): $2 304.90
Royal Bank of Canada (RY): $4 092.80
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 070
Parkland Fuel Corp (PKI): $1 916.80
Park Lawn Corporation (PLC): $1 608.50
Toromont Industries Ltd (TIH): $2 202
National Bank of Canada (NA): $2 548.40
BCE Inc. (BCE): $507.96
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 844.50
Pure Industrial Real Estate Trust (AAR.UN): $1 612
Sienna Senior Living Inc. (SIA): $1 415.20
Boralex Inc. Class A Shares (BLX): $882.80
Richelieu Hardware Ltd. (RCH): $1 437.50
Savaria Corporation (SIS): $1 270.50
Cash: $798.96

TOTAL: $64 357.15

RSP investment portfolio:
Emera Incorporated (EMA): $10 800
EnCana Corporation (ECA): $1 577.88
Toronto-Dominion Bank (TD): $2 277.60
Telus Corp (T): $2 325
Royal Bank of Canada (RY): $2 046.40
Savaria Corporation (SIS): $3 666.30
Thomson Reuters Corporation (TRI): $2 042
Park Lawn Corporation (PLC): $5 362
Richards Packaging Income Fund (RPI.UN): $1 097.25
Toromont Industries Ltd (TIH): $385.35
CAE Inc. (CAE): $1 658.30
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 670.15
Boralex Inc. Class A Shares (BLX): $1 103.50
Quebecor Inc. (QBR.B): $597.50
Cash: $226.64

Total: $37 835.87                         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 885.11                  

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

GIC National Bank: $1 326.27                       

Manulife Fidelity NorthStar GIF CAP B: $1 292.37
Manulife Simplicity Growth Portfolio: $1 399.28
Maritime Life CI Harbour Seg Fund: $1 223.47
Maritime Life Fidelity True North Seg Fund: $1 550.71
Manulife GIF MLIA B World Invest: $1 287.02
Total: $6 752.85

Other various: $10 780.63

TOTAL: $60 660.48

Social Capital at Desjardins Membership share: $35
Pending online income: $8.75
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$319 644.86

Sunday, March 11, 2018

Hourraa, Savaria Corporation (SIS) increased its dividend distribution

This is slowly getting better and we are getting where I used to be. My non-registered portfolio closed Friday session at $184 440.95, my TFSA portfolio at $64 366.52 and my RRSP portfolio (stocks only) $38 041.68. Back on December 2017, my non-registered value was $1841 21.21, TFSA at $64 162.01, RRSP (stocks only) $38 676.57. Trump finally decided not to press extra charges on our aluminum business that we bring to the US, we don't hear any more trouble in regard of the Euro and Greece, Trump is even thinking about meeting Kim Jong-un in May... Can the man who terrorize Canadians and Mexicans may possibly restore world peace with North Korea?

Peace and no Euro trouble are good positive things that bring stability into stocks markets worldwide, and such things are greatly needed. I am just at a point where I am going to boost my December 2017 very good portfolio results, and that being without too much trouble. The only stock that is problematic for me right now is Aphria Inc. (APH). This stock is super volatile, I was just in the hope of quick gains, but it didn't happen the way it should. However, recent good investments are making it easy to move forward. My good picks, like my recent investment in Canadian Real Estate Investment Trust (REF.UN) is making it easy to move on.

Savaria Corporation (SIS) closed this past Friday with a 5.09% gain, which is quite spectacular. And another good news is that SIS increased its annual dividend by 10 cents. With this recent increased and recent DRIPs inside my non-registered portfolio, my annual dividend income (excluding RRSP) is now at $8 433.63, which is an equivalent of $702.80 per month. 

I keep thinking about investing in Logistec Corp (LGT.B) for now.

Tuesday, March 6, 2018

My non-registered portfolio is now at $184 017.71

I am quite impress with myself because this year, I proceed with my tax declaration really early. Its not done and completed yet, but it will soon enough. Today had been good for me on the TSX, and this being despite Donal Trump being so hard on us. My non-registered portfolio closed the session at $184 017.71, my TFSA portfolio $63 760.70, and my RRSP portfolio (stocks only) $37 545.32. I am quite impress by those numbers. Once I will be on a $190 000 non-registered portfolio, I will be in heaven.

Currently, its quite difficult to understand what's going on with Donald Trump. Tariffs on steel and aluminum seem to be a big deal not only for us Canadians, but for Americans too. I would just like to know if the US has enough of aluminum and steel to cover their own needs. If the USA don't need our aluminum and steel, its just "normal" that it get taxes higher by Trump the beef. But I just hope for him that he really don't need any of our products. Its quite monstuous of Donald Trump to put pressure on the NAFTA negociations the way he's going right now. And its why I like Donald Trump soooo much. What a beast!!! What a monstruous leader!!! And he so doesn't care of what he might think of him!!! I really adore Donald Trump. However, I wouldn't like to be at the place of the poor Melania who doesn't seem to be at her place at all in the White House. Trump is too big and loud and just doesn't realize that he has a wife on his side.

Now I confirm, I am really happy that I sell my TFSA Bombardier Inc. (BBD.B) stocks. BBD.B announced the release of new stocks, but however, its not something that seem to excited the investors that much because BBD.B is under a down turn right now. Bombardier Inc. (BBD.B). Today could had been a black day on the market, but it wasn't too bad, depite the aluminum situation and stuff going on. Better get use to it, we'll probably going to deal with ups and downs until the NAFTA deal get sign in. 

I recently find out that I have a TFSA contribution room left of a bit more than $10 000. Its currently hard for me to do any new TFSA contribution for many reasons. The number one reason being that I hold a really too big margin, I am currently exceeding the $103 000 and because I have such a huge debt against my non-registered portfolio, its making extremely hard to do any contribution in kind over my TFSA account. Because of the current state of the market, I prefer to remain calm and not move anything belonging to my non-registered portfolio over my TFSA portfolio.

Of course, I could simply use some fresh new cash and have it transfered over my TFSA account, but because my margin is so fat right now, I prefer to put the cash to pay down and reduce the use of that superb margin.

While planning to do a TFSA contribution in kind, its really important that you take in consideration that every investment you moved from non-registered to TFSA will reduce the value of that same margin.  To stay safe, I always look to have at least a minimum left of $13 000 on my margin money that is not use. It's a small amount, and its actually not enough to be really safe, but so far, its how I had been handling my margin. And before leaving for a vacation, I always transferred money from my credit line over my margin. I usually add an extra $10 000 to my margin that way.

All this to say that its not an easy task to proceed with a contribution in kind while dealing with a margin account, but its not impossible. 

One tip: before proceeding to a contribution in kind, make sure you inject the amount of the loan value worth by the investment over the non-registered account. After what, you'll be able to proceed more safely to the TFSA contribution in kind.

I currently have close to $1 000 in cash inside my TFSA (following the sell of my BBD.B shares) - but I am not 100% sure what to invest in. I thinking about Logistec (LGT.B).

Sunday, March 4, 2018

In the search of new stocks for my portfolio: Vitreous Glass Inc. (VCI) and Logistec (LGT.B)

Susan Brunner recently reviewed my really last investment: Canadian Real Estate Investment Trust (REF.UN). Her review is positive. REF.UN is in good posture in my non-registered portfolio. Despite the the current bad stock market environment, REF.UN registered a capital gain in my portfolio this past Friday. The sell of my Bombardier Inc. (BBD.B) stocks inside my TFSA portfolio left me with a small amount to invest. I am already exposed enough to REITs and financial stocks, so I am really trying to avoid anything related to banks, etc... And its a well-known fact that I already hold on to so many great stocks in my portfolio. However, I am always in the search of something new to invest.

But why so? For many reasons. The best of the TSX cannot simply be in what I already know. There's so many stocks on the TSX, I cannot simply know now all of the best stocks that hold the TSX. Also, there's always new businesses that are being created, and existing businesses merge to created a new one, like it was the case with Nutrien Inc. (NTR). I truly belive that my next everything is hidden somewhere in the mass. Its always interetsing to find a new stock to invest in.

Personally, I don't have any interest for stocks involved in insurance. Manuvie, and others: its a big no no for me. So far in my investment life, I never invested in an insurance stocks. Just have a look at the chart of Manuvie, all rocky and ugly.

Currenlty, I am looking for a stock that would be involved in the environment. I have checked on Waste Connections Inc (WCN) before. However, WCN is really expensive and pay really little in dividend. Among the way, I made an interesting finding using Stockopedia: Vitreous Glass Inc. (VCI). At this time, VCI doesn't pay any dividend and seem to be only doing business in Alberta. If VCI could extend their operations in other provinces and pay a dividend, Vitreous Glass Inc. (VCI) could be a good investment. 

Anoher interesting stock, that I find this time on Susan Brunner's blog: Logistec (LGT.B). 

The search continue, but so far, Logistec (LGT.B) seems to be a good pick.

Thursday, March 1, 2018

Toronto-Dominion Bank (The) (TD) increased its dividend distribution

Another very great news on the TSX: TD bank decided to increase its dividend distribution and in result, my annual dividend income - excluding like always my RRSP distribution - is now at a fabulous $8 373.15which is really almost the equivalent of $700 per month.

Oh no, its tax season AGAIN. Tax season for the Dividend Girl = Impôts Ici

I finished this day on a happy note with a good coffee glass - since I don't have anything fancier with the exception of a champagne glass look alike, but its in plastic - of sherry on my table desk simply because I was desperately searching for a USB key that I have a bunch of back up stuff on it, all of my bitch life is on that damn thing and I couldn't find it. Just at a time when I was feeling so miserable that I could jump out of the window - I magically find my key. What a release. I taught that maybe I had left it in my Dhawa Santa Maria room in Cuba since I had brought it with me ???... But the precious key was simply misplaced. I usually have a good memory, but sometimes, I misplace things like anybody else. Anyway, it allows me to do some cleaning with my stuff, even if everything is pretty much all set at this time. I must say that my papers and stuff are pretty much in good orders. I like to clean, clean, clean. I usually dedicated a good part of my Saturday cleaning and I only have a tiny little living space. Imagine me with a home. It would be horrible. And by the way, just saying, if you want to make me really happy, a bottle of good sherry will do the thing thank you. Once I hit $300 000 in net worth, I will buy a couple of nice stuff in crystal to drink my alcohol in it.

I am slowly getting ready for my tax declaration. If it happens that you are unfortunately living in Quebec province, you have no choice, your tax declaration needs to be completed in Quebec. I had the genius idea to complete my tax declaration in Ontario while working in Gatineau (such a smart idea!!), but that didn't work out... And I also tried to have my tax declaration done in New Brunswick while living in Montreal, but that didn't work out either. And you need to switch you medical card AND driver license to a Quebec driver one since you are now living in Quebec. Please just don't do like a lady I especially know. Its not easy to be living in Montreal, but if you live in Montreal, I have a super good address where you can have done your 2017 tax declaration at a very fair price: Impôts Ici. I had been going there for many many years now and they do a very good job with my tax declaration. Imagine, they manage all of my dividend tax papers, my capital gain and loses, employment papers....Impôts Ici had always worked very hard for me because in the past years I can tell you, I worked at multiple jobs at the same time, I used to be self-employed too at the same time... ohhh papers, papers, f papers!

Impôts Ici is really the place to go for your tax declaration and I am saying it really honestly. I am not receiving a penny for saying about all the good work they did for me. They have enough of having to handle my too many papers. Their services are much more honest than H&R Block. Many years ago, only because I was self-employed, I have to pay close to $400 to H&R Block to have my tax declaration done. It was very expensive for the simple reason that I was self-employed. That year, I had made $35 000 only! I complained, received a call from a Quebec office somewhere and the lady at the phone was really upset at me because I had placed a complain. I never received any compensation and I never used H&R Block tax declaration ever again and I will never visit a H&R Block office ever again. When that incident happens, especially because of the call I received from them was really offensive, they had lost a customer for a lifetime. Don't ever go to an H&R Block office anyway because its a business that is based in the US. And right now, I am trying to stop consume anything coming from the USA.

Lately, I was under the impression and I was REALLY hoping to see my TSX hitting the 15 800 points soon enough. I was going to be on top of my game again! I was going to shine like never before..... but no way! Take that Dividend Girl, and go to hell and burn. Burn baby burn. And its really burning. The TSX is not the place to be if you are a nervous person or if, worst, you are the type of individual who easily suffer from anxiety. I am in a position where I don't care anymore. Maybe because I am drunk? lol

So much fun, it's unbelievable. I am actually always hoping for the best no matter what, its the only way to survive. Following my reading of Susan Brunner latest Bombardier cover, I decided to sell the Bombardier Inc. (BBD.B) stocks that I was holding inside my TFSA. I was lucky, I was able to sell my Bombardier stocks at $4.14 per share and I generate a little profit. I am better off without Bombardier. Just a friendly advice: when Susan Brunner writes a negative review about a stock, you are better to sell asap. Earlier in 2017, I have held on to a small investment in Dollarama Inc. (DOL), I had bought my shares at $139.18, and I later sell them at $149 when I read Susan bad review about DOL. And I am happy that I sell at that time, because DOL is not that of a solid stock. Overall, 2017 had been a good year for me. After all, its the year when for the first time I reached $200 000 in net worth.

So far 2018 is not easy, but I personally think that Trump won't be around for really long and it should get better soon enough. It fell like Donal Trump is breaking our back into every single corner. It's annoying. And all possibility of recovery is being destroyed by his willingness to make America first. Should we never forget all the damaged the USA is doing to the world.

I didn't forget my post about contribution in kind for TFSA - should come soon.

Thank you

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