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Wednesday, August 29, 2018

Deal or no NAFTA deal on the way

I cannot access to my broker account, but I just hope that my TFSA portfolio is still exceeding the 80k value. I can however give you my new annual dividend income (excluding RRSP) is now at a good $8 687.01

My first week as a 38 years old is about to be quite an important one, as a NAFTA deal might be on its way... Donald Trump need to come forward with a deal to impress American electors and show it off, and Canadians are in need of a NAFTA deal because we had now been waiting for a really long time.
In my case, and I hope you are all doing the same, I am extra careful at buying exclusively products that been manufactured or are being sell by a Canadian business. And its quite easy to buy product made in Canada, from toilet paper, soap, makeup, etc. Its now a necessity to buy Canadian. If we don't buy products made or own by a Canadian company, who will buy them? We should be the first buyers on top of the list. I will never buy milk made in the US. And I promise not to ever again buy any alcohol made in the USA, or to buy anything cultural coming from the USA. I also promise not to ever buy any makeup products made or coming from a US brand. Never ever again. This last one is a big commitment coming from me, but I am ready, as Donald Trump push it too hard and had been to mean to the good Canadians. Marcelle is a Canadian brand and I already use many of their products and I really like them. I also like Lise Watier eyeliner and palettes. And fact is, I already own many makeup products - no need to buy anything new for a little while...

For multiple reasons, this summer had been quite an expensive one. The one main reason being that this summer had been very hot, with many weeks of extreme weather. I had been living in Montreal for more than 10 years now and I never had suffered this much from heat waves. Usually, extreme weather last one, two-three days max in a row. But this summer was totally different. It make it difficult to fix any meal and to just do normal things. I sometimes bought 2-3 coffees just to stay awake. I also had two weeks vacation + one stay in Montreal Bonaventure Hotel. I had enjoyed myself, drank, eat out, did everything. I just came back this past Sunday from my last vacation. My next one will be in October, right on time for the hunting season, yes Sir.

During my last vacation week, I made another commitment to myself and that being to spend less. I mentally prepare quietly during that week and when I came back on Monday, I was in business. I was READY. It might sound like its nothing, but cutting living expenses the way I do it require a good spirit. And when I say cutting living expenses, its REALLY pushing it to the possible lowest, BUT while still keeping the essential on. This is what I am currently on:
-I can buy one coffee per day on weekdays, but not more than one.
-I bought the grocery I need for one week. Afterward, I can't buy any more food. And I cannot buy any alcohol (but I still have a bottle of Cuban Legendario left, thank God!). And I cannot eat out (!!!). 
-I cannot spend money other than on the real basic essentials.
-I cannot buy anymore makeup or hair products... (this is hard!). And I cannot buy clothes (this is medium hard).
-I cannot buy anything new for my apartment (and I had been looking at the new Ikea catalogue...) 

Its difficult, but its needed in my case and this is how I use to save money in my old days. I expect to save $1 600 per month this way, and this amount doesn't even include my dividend income, so why not. Its now my third day on this financial diet and so far, I had respected the plan and I am all proud of myself.

Your determination is the only took that will help save money among the way. I decided to give it this push for several reasons: to increase the amount of money save (I would like to permanently have a 5k in my saving account, at least), to maybe finally move and live in a bigger apartment, to place new investments and - maybe - lower the usage of my margin account.

Monday, August 27, 2018

Its my birthday!

Its finally THE day that we had all been waiting for. I had turned 38 and the world will never be the same. On this beautiful day, my non-registered portfolio closed today session at $181 960.77, my TFSA portfolio at $80 262.60 and my RRSP portfolio at $39 958.05. For the first time ever, my TFSA portfolio now exceed the 80k value. For my RRSP portfolio, stocks only, I am almost at 40k. Currently, my net worth is around $233 528. But just watch out when PBH will reach the $150 per share, its doing to be nice and sweet and we'll find out if I can handle that much love

Thursday, August 16, 2018

Me and my margin account

I purchased a brand new purse from Amazon and it arrived today. It look exactly as the picture so if it happen by any chance that you see a hot chick in Montreal holding on tight to that purse, it might be your lucky day, and I could be the Dividend Girl. Or maybe not. But please, try to control yourself at least and don't start screaming at me because I hate you as much as you hate me. There's just no way to know for sure. I like those kind of big purses and I had problem to find any in Montreal at a good price. I like the Lole purse, but they are super expensive and I don't practice yoga.

I received some new PPL shares - resulting from the DRIP, and in result my dividend income is at $8 665.85. My RRSP dividend income is currently at $1 221.78, for a big total of $9 887.63. And knowing this amount exceed the interest of my margin, and because I declare my interest rate, my margin situation don't really bother me but at this point of my journey - this poor girl just don't know what to invest in anymore. Not that my portfolio is complete and close, but at the time being, its currently my situation. And only God knows that yes, I had tried really hard to find new stocks to invest in. And I had find some. But when came time to invest, I didn't place my move. I am just willing to let things as they are right now. And in result, my money is just going to decrease the usage of my margin. With tomorrow paycheque, its $2 186 that I will have to decrease my margin (I already put previously a $850). This will reduce my margin account to $98 035.74. Still high, but under the 100k at least.

I understand the concern of this reader and I am certainly not here to promote investing using a margin account, but its just the way it had been to me. I had been on a margin for many years now, I know what I have to do in order to keep it safe. No situation is totally safe but me and my margin, its a perfect match. It take a bitch to handle another one.

My dividend income is of $9 887.63.
Interest on my margin: $4 902.885 - and I deduct it on my tax declaration.

I don't feel any disconfort, if it not that I don't have the vibes to invest in something right now, but at least I have a brand new purse now - birthday gift to the bitch from the bitch. Remember the date: August 27. Just 11 days to go sexy count down.

Wednesday, August 15, 2018

No new investment on National Acadian Day

Today was National Acadian Day, but for Acadian investors, today wasn't especially a great day on the TSX so I quietly stay in my rabbit hole and I didn't place any new investments. Believe it or not, I just put some money to pay down my margin account!!! For a reason or another, suddenly today, as the TSX was going near under the 16k mark, no investment seem to worth it. And I felt confused. This is supposed to be my special time, but things are not exactly working super great. I guess, for now, paying down my margin will just do the thing.

Tuesday, August 14, 2018

New investment ideas on the go

I am going away on vacation - yes again - soon, so don't worry if you don't hear from me for a couple days in a row. Only 13 days left before my birthday. And I am desperately searching over some stocks to invest. I am sometimes slow, but good news: I had found some! This could be a really bad timing to invest in stocks right now. You have to be sure of yourself. Personally, it's just a matter of birthday and I just want to be on the $9 000 in dividend income (excluding like always the ones I earn inside my RRSP). Some I stocks recently announced an increase of their dividend distribution: Sienna Senior Living Inc. (SIA), Jamieson Wellness Inc. (JWEL), and CAE Inc. (CAE). I also earned extra dividend with the DRIP on Bank of Nova Scotia (BNS), Enbridge Income Fund Holdings Inc. (ENF), Pembina Pipeline Corporation (PPL) and Premium Brands Holdings Corporation (PBH).

With my current plan, my dividend income will reach near the annual $9 000.

Derek Foster recently announced that he made a new investment in Chartwell Retirement Residences (CSH.UN), but personally, I am not amazed by this stock. It's not an investment on which you can expect really awesome capital gain. I want dividend, yes, but I also want to hit on some value with each and single stocks I hold. But I don't feel it when it comes to CSH.UN. It's a big no-no for me. However, I was considering investing in that one until this evening. I already another senior care stocks, Sienna Senior Living Inc. (SIA), and it haven't performed extraordinary well so I am passing on CSH.UN.

I am looking forward to invest in:
Summit Industrial Income REIT (SMU.UN) - found recently on Stockopedia.
Rogers Communications Inc. Class B Non-voting Shares (RCI.B) - this one was on my stock watch list for a little while.
Brookfield Infrastructure Partners L.P. (BIP.UN) - I already have this one inside my TFSA and its performing well. With the recent news of ECI acquisition, I really not against having BIP.UN in my non-registered portfolio.

Monday, August 13, 2018

Premium Brands Holdings Corporation (PBH) is the hot stock of the TSX

Its been quite a shocking and sad couple last days for New Brunswickers. Despite the heavy among of hunters, who all have many guns in their home, I don't recall any violence or incidence what so ever in my hometown. And its quite a miracle nothing happens so far. I don't quite understand what happened in Fredericton, but one thing for sure, the man killed those two police officers so the victims wouldn't be able to survive and so no one could help save their lives. He didn't want anyone to intervene and save them. He wanted them dead. I think it was a love affair that turns wrong, a passionate crime, but that's just my impressions. Those two police officers who lost their life look like very good people and its a shame.

Life goes on and that means for me that I am - again - in search of a new investment. I guess that I can say that my latest investment in Granite Real Estate Investment Trust (GRT.UN) was quite good. I forgot to mention that I found GRT.UN on Stockopedia. Currently, my annual dividend income is at $8 650.26 - I just got a new BNS share coming from a DRIP. August is a good month since I am expecting two other paycheques and that is leaving me with a good 4k to invest. And guess what, I have no idea on what to do with that money.

As you might know, I am turning 38 at the end of the month. I don't need any Botox injections at this time, but while having money that has no purposes, I was thinking about getting filler for my lips - not to get the x rated overlook, but just a little more bumps into those lips. Its kind of weird, but 20 years ago, I was celebrating my 18 birthday??!!! Getting older is weird. I sincerely thank God for my young genetic, and no need for butt filler or breast enhancement. I have a very sweet, angelic innofensive look and filler lips could help to kill it all. Everyone needs a little enhancement. Getting fillers, however, is not cheap and it could cost something like 4k. I need to put in the active contribution of my readers. Just give me everything you got, no question to be asked and thank you. All I can say, I have enough of the summer, and I truly don't care about getting those fillers so you can keep your money, at least for now.

Party is on for the love of my life that make me look hot Premium Brands Holdings Corporation (PBH). Things are looking bright. PBH gains 4.18% today. Recent results are good and I can easily expect more gain for PBH tomorrow. The overall situation is quite good at this time, but it could be even better. The TSX is just not where it should be and Donald Trump is driving the world crazy. Currently, he's getting on my nerves as much as Marc Cohodes does.

Right now, Summit Industrial Income REIT (SMU.UN) catch my interest. I like the industrial sector and industrial REIT is quite interesting. I may invest in SMU.UN, but there won't be any lip fillers.

Thursday, August 9, 2018

Welcome in my TFSA portfolio Granite Real Estate Investment Trust (GRT.UN)

Sometimes, by belove TSX only need a few cheerful encouragements coming from its real favorite investor - and that being me - to move forward and break down all expectations. And that being a big I don't care attitude to Saudi Arabia and their Muslims, and in response, my TSX did what it does best. That's right, the world best index gains  100 points today. Will tomorrow be another successful day? I don't know, not that I don't care, but I cherish good days on the TSX like if it would be the last good one. 

Currently, I am not on top of what I can possibly have with my portfolio. It's frustrating to see PBH trading under the old top $122 per share. It was crazy. For a little while, I had almost to buy back the house I grew up in New Brunswick. I wouldn't buy it, but events like that make you think. Like do I really earn the presence of my fabulous PBH inside my non-registered portfolio to Jean-François Tardif? That man obsesses me because he cannot do anything good now with the fund that he manages.

Today, Canadian Tire Corporation Limited Class A Non-Voting Shares (CTC.A) kind of remind me of my what happen to my PBH - going from $122 per share to $100. Fortunately, I do not hold any Canadian Tire Corporation Limited Class A Non-Voting Shares (CTC.A) inside my portfolio. Today alone, CTC.A lost $14.32, 7.85%. Such events hurt hard, especially when you had been holding the stock for a long time in your portfolio. At a point, you get use to be at a certain value. And when that value go down, its not fun game. The advantage of being an investor, rather than being a short-seller like Marc Cohodes, its that you creat value overtime, on the back of strong assets. The realization and the excellence of the stocks you hold transcend in yours, because you hold all those really good stocks in your portfolio. Since I had been holding PBH for a really long time on my portfolio, fact that the stock lost a couple dollars per share is not hurting that much. I bought PBH at around $19 per share... a long time ago. But of course, I prefer PBH to be on the $122 value. Patience is sometimes needed.

Currently, my non-registered portfolio closed the day at $181 972.62, TFSA at $79 355.69, and RRSP $39 582.09 (stocks only). My non-registered portfolio has all it take to go on the 190k without further help. But like sais before, sometimes, patience is needed.

This latest investment I made today in Granite Real Estate Investment Trust (GRT.UN) wasn't a major one in term of money invested, but its a great investment. In result, my dividend income (excluding RRSP), is of annual $8 644.73.

Wednesday, August 8, 2018

Saudi Arabia taking back their dirty money off the TSX. No to Saudi Arabia

Each new day brings something different on the stock market, bad, good news, ups and downs. Yesterday wasn't especially a good day. But we learn why today: one investment firm from Saudi Arabia had massively sold its Canadian assets. Justin Trudeau is such a weak leader that he had come out to say that Saudi Arabia had made improvement in term of human rights... Can anyone name me those improvements? Women of Saudi Arabia can now drive a car. Should we get so easily impress? Saudi Arabia is a living hell for women. Justin Trudeau is a pitty and a shame for Canadians. I never hate a Canadian leader as much as Justin Trudeau. And I not a fan of Brian Mulroney. All of those Quebeckers are extremely incompetant. Never ever put your trust and confidence in a Quebecker. Justin Trudeau and Brian Mulroney are no exceptions to the rule. Jean-François Tardif and his badly manage JFT Strategies Fund (JFS.UN) is another example of bad Quebec leadership. How many do you need to understand my point? Just let me know.

In face of our newest ennemies, we need to remain strong. Its quite a wrong move of Brian Mulroney to openly give his opinion on NAFTA. The USA are watching our every moves. And Brian Mulroney is not doing any good by publicly declaring that we should banish demand management. Now more than ever, its time to protect our economy. Its not time to be weak and do everything that is asking Donald Trump. Brian Mulroney is only an old man and he should stay away from the political scene.

Pesonaly, I am in favor of a pure market place, even if the stock market is no heaven. I don't want Muslim dirty unpure Saudi Arabia money over my TSX. A fuck up country like Saudi Arabia should not be involved with Bay Street, and I personally don't care if the TSX has to down because of it, so we can earn back our party and legendary elegance. If there's one place on earth you want to be, that's in Canada, and the TSX being the most valuable and stable market, it's easy to invest and make money here in Canada. I didn't have much when I started this blogs 11 years ago and now I have much more than I ever imagined. $232 609.15 is not exactly of a really rich net worth, but you'll be surprised of how many people in Canada has much less than that in net worth, all for different kind of reasons. And there are also, of course, many people who have much much more. 

All those immigrants entering illegally in Canada ar looking to have what we have. They want a happy life, they want to benefit from our health care, they want our jobs, they want to benefit from our wellness. The TSX is for the self-glorification of Canadians, not for Muslims coming from Saudi Arabia. Its a shame to be Muslim, and its a shame that Saudi Arabia even exists as a country. I am against the presence of Muslims in Canada, I am againts Saudi Arabia and I am against the presnec of illegal immigrants in Canada.

That I hold $230 000, $200 000, or $250 000 in net worth, it doesn't really change anything for me. Even if I had a $300 000 in net worth, my life would be the same. Currently, my non-registered portfolio is at $181 283.51, down of $1 920.76 compared to August 3rd. However, good news in the dark, my TFSA portfolio is up to $79 027.62 (+$202.50), and my RRSP portfolio (stocks only), at $39 518.30 (+$163.04). Even my USA stocks portfolio is up to $3 201.91 USD (+$4.24, yeah!). Go go go!

There's always some good stuff going on any way on the TSX. And its way more than I can handle. I currently have $580.90 cash inside my TFSA portfolio, but guess what, I have problem to find my next investment. Whenever I have a $500+, I like to see it invested in a stock or another. Money that  is not invest is a waste of time AND money.

GRT.UN could be a good fit. I need: a dividend payer and a good TSX player.

Sunday, August 5, 2018

Luxury of the luxurious cars: hello convertible Rolls-Royce

It was another hot day in Montreal, but I decided to go downtown anyway. I saw a car that left me breathless: a convertible Rolls-Royce. I didn't know that such a car existed. I knew and saw before Rolls-Royce, but not a convertible one, and it's quite spectacular. There were 3 kids in the back, a man was driving, with a Mexican look, and there was a blond woman with him on the front. And not only that, the license plate was coming from... Texas. Can you imagine doing the trip Texas-Montreal? It's quite a long road trip, even on a convertible Rolls-Royce. That Texan Amercian family is crazy AND rich. Personally, I wouldn't like to go on a long trip like that. And I wouldn't take a luxurious car to such long road. It takes an awesome American asshole to pollute all the way up from Texas to Montreal, it's a real shame. Hello morons!

A couple of my stocks had registered some interesting gains lately: Methanex Corporation (MX), Parkland Fuel Corp (PKI) and, finally!!!, Nutrien Ltd. (NTR), I was under the impression that my net worth was now in the $235 000 value, but I was wrong. I am currently on a $232 609.15 net worth. I am usually pretty good at guessing my numbers, but not this time. It's just that my birthday is coming in a hurry and I was really hoping to at least make it to the 240k. Its still possible, since my birthday is only on August 27, still 22 days to go, and anything can happen.

This heavy heat wave makes it difficult on everything. It's difficult to just do the normal things. I really have to push myself just to do the basics. However, I took care of the daily everything today and to reward myself I went to see the latest Tom Cruise Mission Impossible at the IMAX. I was quite spectacular, but I was feeling hot even inside the theater and I find the seat quite uncomfortable for the price. I won't go to the movies again for a little while, that's for sure.  

I made a nice discovery on Stockopedia:
Unisync Corp. (UNI) 

I already knew these stocks, but I also have an interest:
TFI International Inc. (TFII) 
Agellan Commercial Real Estate Investment Trust (ACR.UN)
Mainstreet Equity Corp. (MEQ)

Currently, I have a crush on Unisync Corp. (UNI). I like this kind of very well-managed business in a so boring kind of field, just like my world famous SIS (elevator business my goshhhhhh). This is what I like and that I target. UNI shares are still quite cheap. But the company doesn't pay any dividend distribution at this time. So thank you, Stockopedia once again for the good services provided. In not too long, I will have my own convertible Rolls-Royce :-)

Other than that, I would really like to buy a new purse but I am kind of broke at this time. I need to save it all to invest.

Saturday, August 4, 2018

My debt situation on date of August 3th, 2018

Margin account: $100 141.73 @ 5%
Annual interest: $5 007.09

*For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

My investment portfolio on date of August 3th, 2018

Cold cash: $3 515.69

Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.52
Bank of Nova Scotia (BNS): $9 381.80
Blue Note Mining Inc. (BLNMF): $0.05
Methanex Corporation (MX): $9 575.91
Fortis Inc. (FTS): $5 189.69
Pembina Pipeline Corporation (PPL): $29 177.28
Enbridge Income Fund Holdings Inc. (ENF): $12 731.97
Corby Distilleries Limited (CSW.A): $2 678
Premium Brands Holdings Corporation (PBH): $49 003.04
iShares S&P/TSX Capped REIT Index (XRE): $2 718.10
New Flyer Industries Inc. (NFI): $5 515.56
TMX Group Inc. (X): $689.12
K-Bro Linen Inc. (KBL): $3 888
WesternOne Inc. (WEQ): $16.40
TransCanada Corp (TRP): $1 468.75
Canadian National Railway Co (CNR): $10 321.20
Enbridge Inc. (ENB): $1 302.84
Nutrien Ltd. (NTR): $7 664.34
Black Diamond Group Ltd (BDI): $94.50
Emera Inc. (EMA): $1 064.25
BCE Inc. (BCE): $1 191.08
Saputo Inc. (SAP): $1 750.80
Lassonde Inc. (LAS.A): $2 658.20
Loblaw Companies (L): $816.60
Savaria Corporation (SIS): $8 413.77
Canadian Imperial Bank Of Commerce (CM): $3 580.80
ATCO Ltd. (ACO.Y): $2 392.20
Jamieson Wellness Inc. (JWEL): $2 483
WSP Global Inc. (WSP): $3 688.50
Aecon Group Inc. (ARE): $1 701
Aphria Inc. (APH): $2 044

TOTAL: $183 204.27

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 602.96
General Mills Inc. (GIS): $1 511.36
Cash: $83.35

TOTAL: $3 197.67 US: $4 176.80 CAN

Tax-free savings account (TFSA):

EnerCare Inc. (ECI): $86.55
Dumont Nickel Inc. (DNI): $21.53
RioCan Real Estate Investment Trust (REI.UN): $884.80
AltaGas Ltd (ALA): $785.40
CT Real Estate Investment Trust (CRT.UN): $1 353
Canadian National Railway Co (CNR): $4 584.80
Exchange Income Corporation (EIF): $34.50
Firm Capital Mortgage Investment Corporation (FC): $536.80
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 577.80
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 178.10
The North West Company Inc. (NWC): $1 481
Andrew Peller Limited (ADW.A): $2 833.90
Canadian Imperial Bank Of Commerce (CM): $10 260.66
Hydro One Limited (H): $1 971.42
Toronto-Dominion Bank (TD): $1 537.40
Boyd Group Income Fund (BYD.UN): $3 595.20
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 061.10
Data Communications Mgmt (DCM): $9.66
Morneau Shepell Inc. (MSI): $2 498.40
Royal Bank of Canada (RY): $4 056
Parkland Fuel Corp (PKI): $2 419.20
Park Lawn Corporation (PLC): $1 495.20
Toromont Industries Ltd (TIH): $2 624
National Bank of Canada (NA): $5 793.30
BCE Inc. (BCE): $487.08
Northview Apartment Real Estate Investment Trust (NVU.UN): $5 793.30
Sienna Senior Living Inc. (SIA): $1 334.40
Boralex Inc. Class A Shares (BLX): $797.20
Richelieu Hardware Ltd. (RCH): $1 305.02 
Savaria Corporation (SIS): $1 155
Enbridge Inc. (ENB): $977.13
Northland Power Inc. (NPI): $2 392
Calian Group Ltd. (CGY): $2 331
BMO Bank of Montreal (BMO): $2 062.80
Canadian Utilities Limited (CU): $1 373.82
Choice Properties Real Estate Investment Trust (CHP.UN): $1 567.50
WSP Global Inc. (WSP): $1 812.25
Cash: $576.70

TOTAL: $78 825.12

RSP investment portfolio:
Emera Incorporated (EMA): $11 616.15
EnCana Corporation (ECA): $1 922.40
Toronto-Dominion Bank (TD): $2 306.10
Telus Corp (T): $2 356
Royal Bank of Canada (RY): $2 028
Savaria Corporation (SIS): $3 333
Thomson Reuters Corporation (TRI): $2 147.60
Park Lawn Corporation (PLC): $4 984
Richards Packaging Income Fund (RPI.UN): $1 202.19
Toromont Industries Ltd (TIH): $459.20
CAE Inc. (CAE): $1 908.90
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 889.95
Boralex Inc. Class A Shares (BLX): $996.50
Quebecor Inc. (QBR.B): $691.50
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $384.30
Cash: $129.47

Total: $39 355.26                 

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 890.17

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: $1 252.10
Manulife Simplicity Growth Portfolio: $1 388.82
Maritime Life CI Harbour Seg Fund: $1 240.59
Maritime Life Fidelity True North Seg Fund: $1 622.46
Manulife GIF MLIA B World Invest: $1 239.94
Total: $6 743.91

Other various: $11 528.28

TOTAL: $62 927.12

Social Capital at Desjardins Membership share: $35
Pending online income: $66.88
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$332 750.88

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