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Sunday, May 19, 2019

My debt situation on date of May 17, 2019

Margin account: $49 603.45 @ 5.50%
Annual interest: $2 728.19

My investment portfolio on date of May 17, 2019

Cold cash: $213.70

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11 130.60
Methanex Corporation (MX): $6 543.59
Fortis Inc.
(FTS): $6 206.20
Pembina Pipeline Corporation (PPL): $31 002.6‬0
Corby Distilleries Limited (CSW.A): $2 520.08
iShares S&P/TSX Capped REIT Index (XRE): $2 907.52
New Flyer Industries Inc. (NFI): $3 507.9‬0
TMX Group Inc. (X): $733.36
K-Bro Linen Inc. (KBL): $3 900
TransCanada Corp (TRP): $1 636.75
Canadian National Railway Co (CNR): $11 362.5‬0
Enbridge Inc. (ENB): $16 449.96‬
Emera Inc. (EMA): $1 288.5‬0
BCE Inc. (BCE): $1 332.1‬0
Saputo Inc. (SAP): $1 834.80
Lassonde Inc. (LAS.A): $1 870.70
Loblaw Companies (L): $837.84
Savaria Corporation (SIS): $6 955.68‬
ATCO Ltd. (ACO.Y): $2 730
Jamieson Wellness Inc. (JWEL): $1 982‬
WSP Global Inc. (WSP): $3 679.50
Aecon Group Inc. (ARE): $1 872
Aphria Inc. (APH): $1 842
George Weston Limited (WN): $102.61

TOTAL: $124 228.79

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 625.28
General Mills Inc. (GIS): $1 676.48‬
Cash: $26.66

TOTAL: $3 328.42 US: $4 479.05 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): $919.1‬0
CT Real Estate Investment Trust (CRT.UN): $1 419
Canadian National Railway Co (CNR): $5 050
Exchange Income Corporation (EIF): $36
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 772.77
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 287.60
Andrew Peller Limited (ADW.A): $2 230.4‬0
Hydro One Limited (H): $2 369.10
Toronto-Dominion Bank (TD): $1 487
Boyd Group Income Fund (BYD.UN): $5 048.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 430.7‬0
Data Communications Mgmt (DCM): $7.44
Morneau Shepell Inc. (MSI): $2 565
Royal Bank of Canada (RY): $4 200.8‬0
Park Lawn Corporation (PLC): $1 659‬
Toromont Industries Ltd (TIH): $2 400.80
BCE Inc. (BCE): $544.95
Northview Apartment Real Estate Investment Trust (NVU.UN): $4 072.50
Sienna Senior Living Inc. (SIA): $1 512
Boralex Inc. Class A Shares (BLX): $730.40
Richelieu Hardware Ltd. (RCH): $957.72‬
Savaria Corporation (SIS): $943.60
Northland Power Inc. (NPI): $2 530
Calian Group Ltd. (CGY): $2 460.50
BMO Bank of Montreal (BMO): $2 066‬
Canadian Utilities Limited (CU): $1 550.64
WSP Global Inc. (WSP): $1 839.75‬
Granite Real Estate Investment Trust (GRT.UN): $621.80
Cargojet Inc. (CJT): $2 373.07‬
Nutrien Ltd. (NTR):$3 324‬
TFI International Inc. (TFII): $3 533.60 
Canadian Imperial Bank Of Commerce (CM): $3 315.6‬0
SIR Royalty Income Fund (SRV.UN): $1 320
Cash: $461.22

TOTAL: $72 054.81‬

RSP investment portfolio: 
Emera Incorporated (EMA): $14 534.28
EnCana Corporation (ECA): $966.60
Toronto-Dominion Bank (TD): $2 230.50
Telus Corp (T): $2 464.5‬0
Royal Bank of Canada (RY): $2 100.40
Savaria Corporation (SIS): $2 722.96‬
Thomson Reuters Corporation (TRI): $3 141.36
Park Lawn Corporation (PLC): $5 530
Richards Packaging Income Fund (RPI.UN): $1 290.96‬
Toromont Industries Ltd (TIH): $420.14‬
CAE Inc. (CAE): $2 565.50
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3 409.7‬0
Boralex Inc. Class A Shares (BLX): $913
Quebecor Inc. (QBR.B): $800
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $284.9‬0
Brookfield Renewable Partners L.P. (BEP.UN): $815.48‬
Cash: $321.33‬

Total: $44 511.61‬        

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 906.26

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

GIC National Bank: $1 342.86              

Manulife Fidelity NorthStar GIF CAP B: $1 197.58
Manulife Simplicity Growth Portfolio: $1 391.85
Maritime Life CI Harbour Seg Fund: $1 224.28
Maritime Life Fidelity True North Seg Fund: $1 661.03
Manulife GIF MLIA B World Invest: $1 243.76
Total: $6 718.50

Other various: $13 212.94‬

TOTAL: $69 771.92‬

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
On date of May 17, 2019
$270 783.27

Thursday, May 16, 2019

Another great stock find on Stockopedia: Mainstreet Equity (MEQ)

We got a nice little jumped from the TSX today. This one has a feeling of too much too soon. I am not under the impression that the trade war between the US and China is going to be resolved anything soon, but with Donald Trump, everything is possible. Having the TSX at 16 443.86 points is only helping my cause. My non-registered portfolio closed today session at $124 274.24‬, my TFSA portfolio closed at $72,357.17, and my RRSP portfolio at $44 197.96. Currently,  both values of my TFSA and RRSP portfolios exceed my April 5th value, which is a good sign. I now almost have $500 in cash coming from my TFSA portfolio dividend distribution. I would like to invest in BAM.A of course. 

I am browsing on Stockopedia, and I just spot a stock that I had talked about before:  Mainstreet Equity (MEQ). This stock is quite spectacular, but unfortunately doesn't pay any dividend distribution. Between BAM.A and MEQ, I actually preferred MEQ. The only thing is that Mainstreet Equity (MEQ) doesn't pay any dividend distribution. Otherwise, MEQ is perfection. Most of my stock pay dividends, but I hold a few really stocks, like the famous Berkshire Hathaway Inc. (BRK.B) and CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) who don't pay a dividend. Even if those two don't pay a dividend, they are great stocks to hold inside of a portfolio. They are the kind of stock you may want to hold for a long long time. At a point, you'll accumulate several thousand in term of capital gain. The best thing is: it doesn't require any efforts at all. You simply need to hold on tight to the best stocks. Time is a precious asset.

I won't lie, my next investment may be just a tiny little one. Summer is coming in a hurry and I have a 2 weeks vacation coming up. I will need at least $1 000-$1 500. I would also like to leave some money in my bank account. Nothing exciting, but the stock market all alone has enough right now to fill me with all the emotions I need.

Tuesday, May 14, 2019

Is Brookfield Asset Management Inc. (BAM.A) still a hot Dividend Girl stock pick?

My non-registered portfolio closed today session at $122 286.80, my TFSA portfolio at $71 108.84, and my RRSP portfolio - stocks only - at $43 486.46‬. At +3.19%, JWEL is still for now on a gain of 3.19% inside my non-registered portfolio. To answer the question asks in this title, yes, I still believe that Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A) is a good investment. The past couple of weeks had been rough on the TSX, but no matter what, BAM.A had remained strong in its value. I plan to eventually invest in this one inside my TFSA portfolio.

In those volatile times, it's more important than ever to target only the best of the best. That means a stock that remains in good worth standing despite what the financial environment deal with. I hold many stocks in my real fantastic portfolio. No matter how good I am, it's not absolutely everything that I hold in my portfolio that you should hold. This is actually the kind of post that I publish from time to time. But this is the latest. Which stocks that I hold that you should hold too?

Just ask, and you'll received, only my best stock picks for my readers:

Bank of Nova Scotia (BNS)
Methanex Corporation (MX)
Fortis Inc.
Pembina Pipeline Corporation (PPL)
Corby Distilleries Limited (CSW.A)
TMX Group Inc. (X)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Emera Inc. (EMA)
BCE Inc. (BCE)
Saputo Inc. (SAP)
Lassonde Inc. (LAS.A)
Loblaw Companies (L)
WSP Global Inc. (WSP)
Berkshire Hathaway Inc. (BRK.B)
General Mills Inc. (GIS)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Brookfield Infrastructure Partners L.P. (BIP.UN)
Brookfield Renewable Energy Partners L.P. (BEP.UN)
Andrew Peller Limited (ADW.A)
Toronto-Dominion Bank (TD)
Boyd Group Income Fund (BYD.UN)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Morneau Shepell Inc. (MSI)
Royal Bank of Canada (RY
Park Lawn Corporation (PLC)
Toromont Industries Ltd (TIH)
BCE Inc. (BCE)
Northview Apartment Real Estate Investment Trust (NVU.UN)
Calian Group Ltd. (CGY)
BMO Bank of Montreal (BMO)
Canadian Utilities Limited (CU)
WSP Global Inc. (WSP)
Granite Real Estate Investment Trust (GRT.UN)
Nutrien Ltd. (NTR)
TFI International Inc. (TFII) 
SIR Royalty Income Fund (SRV.UN) 
Telus Corp (T)
Royal Bank of Canada (RY)
Thomson Reuters Corporation (TRI)
Park Lawn Corporation (PLC)
Richards Packaging Income Fund (RPI.UN)
Toromont Industries Ltd (TIH)
CAE Inc. (CAE)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)
Quebecor Inc. (QBR.B)
I think that list is fair.
If you now want an example of a stock that you SHOULD NOT hold in your portfolio, well that's an easier exercise and won't request hours of search on Stockopedia. The TSX is full of bad shit stock. And one of them is Power Corporation (POW). Personally, the insurance sector is for me a big NO-NO. POW has everything against "him" or "her"???: it's in the insurance sector AND is a Quebec based company. Today, despite the fact that POW net earnings have decreased, the business decided to increase its dividend distribution. This is in my view a complete nonsense, the kind of nonsense that you can only experiment in Quebec province and for what they are best known for. I never understood why Susan Brunner was holding this one in her portfolio???!!!
My famous list of stocks that I hold and that you should be holding too, I know, I know, I have several Quebec businesses. But the trick is: stick to the best. You'll find some good Quebec stocks to invest in (PS, they are from my list):
CAE Inc. (CAE)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)
Quebecor Inc. (QBR.B)
Saputo Inc. (SAP)
Lassonde Inc. (LAS.A)
WSP Global Inc. (WSP) 
Currently, my best Quebecker stock is: GIB.A. $$$

Savaria Corporation (SIS) is not from my top notch list because of this stock is not strong enough in term of growth. however, for your info, I made several hundred on that one and SIS is a Derek Foster stocks. Is it still possible, in today market, to register some hot hot hot capital gain on the back of SIS? My answer: I don't think so. you should have invested in SIS when I did way back. But I won't suggest anyone to invest now in SIS. Bad idea.

You don't need to thank me, enjoy all of my best stocks list.

Monday, May 13, 2019

Stuff that you probably own and that I don't because I am smarter

May is a real hard month for TSX investors these days. I must admit, I didn't even check the closing today. I have no idea where the TSX is standing and I don't care. It's all disgusting. And it seems like it's all because of the trade war between the US and China. First, there's been the NAFTA war, and now is the turn of China - good luck with Trump, you'll need some. While dealing with some heavy difficulties, I taught that maybe the time had come to write a funny minimalist post of the type: "I have less and I am smarter than you are" kind of post. Do you understand the idea?

I will just name a few things that you probably have at home, and that I don't, just so that next Christmas, you'll know what to get me.

1) Microwave
Nope, I don't have a microwave. I don't really miss it either way. It's quite useless for me.

2) Flat iron
That's a girl thing, most of us have a flat iron, but I don't own one because my hairs are curly and I wouldn't like to burn those angel hair for absolutely nothing in the world.

3) Air conditioner
I don't have an air conditioner machine. Last summer, I taught at a point I was going to die dry up by the heat, but I survive. Bitch can survive anything.

4) Vacuum
My apartment being quite small, I just use the basics. I don't own a vacuum.

5) High heels
I don't own a single pair of high heels. I have way too sensible feet to wear high heels. 

6) Printer
I don't own a printer.

And it's about everything I can think for now.

Sunday, May 12, 2019

Better days for Jamieson Wellness Inc. (JWEL)

The TSX may had closed under the 16 300 points and it haven't been fun to watch, but overall, my investments are not doing too bad. My non-registered portfolio closed Friday session at $122 115.46, my TFSA portfolio at $70,998.85, and my RRSP portfolio at $43,387.35. Lately, I had been corely watching my investment in Jamieson Wellness Inc. (JWEL). It went down for a little while and Is tarted getting anxious about it, but JWEL came back in the profit zone and is currently on a gain of 2.98% inside my non-registered portfolio. 

At first, I taught that my investment in SIR Royalty Income Fund (SRV.UN) was going to be a calm soldier stock - which is a stock that is never really in the profit or loses zone, it's quite a neutral stock that you keep in because the dividend yiel is just too juicy. But it seem like this little buddy is much more than just a calm soldier. So far in my TFSA portfolio, SIR Royalty Income Fund (SRV.UN) had gained a nice 4.50%. Best thing is, SRV.UN been in my portfolio only since March of this year.

Wednesday, May 8, 2019

Oh no! For 2019: Sell in May and go away?

"Sell in May and go away", that's what they say. And it seem like May 2019 was begun on the wrong foot. Actually, it should say "Sell in April, and stay out of the stock market in May". Anyhow, you got the point. So far for 2019, I was on top of my game, but everything collapse (it's actually not so dramatic, but I guess you understand the point), and is making me go under the net worth of $222 000. But it's ok. It's how it is with the stocks market. Donald Trump is not helping my case. He's a really hard leader when it come to negotiation. It's hard to get a in-between with him. I not exactly following the negotiations between the US and China, but this hard a real hard effect on the stock market. And it's quite sad to see how much we depend on the US. Brian Mulroney had created with Canada a country financially depended of the US, and instead of helping us, it's creating deep sorrow in our economy. Every single Quebeckers who had been our Prime Minister always created more problems than anything for our great country. We need a Prime Minister with the purest intentions, someone who will be strong and who'll give everything for Canada. Currently, the "purest" Canadian  leader who has those quality is Jagmeet Singh, but I would like to hear about him more.

While the TSX is down, I have enough in my plate to keep me busy and away from any sorrow that could hit me since my investment portfolios are going down. This is nothing new for me, I went through some much more hard times. This one is just a little reminder that the TSX can still go down from time to time. Don't ever forget that. Volatility is our best and worst friend. IT makes the stock market go higher, and sometimes, lower. Here is some stuff I am actually doing these days:

-Doing a little shopping. I bought: three tops, one pair of black jeans and Swarovski earrings. I got those ones.
-Working overtime.
-Drink water (it may seem strange, but I am not naturally tempt to drink water, I have to think about it. I am barely ever thirsty, which make me think I may had been a camel in my last life - but unfortunately, I often feel hungry :(
-Going to the gym.
-Thinking about post topics.
-Make my lunch, and bring coffee to work.
-Eat more vegetables.
-Put clothes, shoes, purses I don't wear/use on Kijiji to sell.
-Call Videotron customer service.
-Make random list of things to be done (I always have a to do list, for absolutely everything I need to do, even the smallest tasks)
-Declutter my little apartment.
-Cleaning my shit.

About all for now. :-)))

Wednesday, May 1, 2019

Rough Spring days, but I am not forgetting BAM.A

Ever since I came from my vacation - and even the week before my vacation - it's been busy at work and I barely have any time at all to follow the TSX during the day. I usually check the TSX several times during the day, as well as the news. When I cannot do that during the day, it means it's a pretty rough day, and I don't like it because Iget to feel somewhat disconnected to all of the REAL important things that are going on and that I could be missing on. I could be missing on several things, including my next best stock move. And trust me, it's not a feeling that I like, the feeling of doing under. And I am tire.

What the TSX is all about these past couple days, I honestly don't have a clue. While some have to deal with heavy floading, I deal with stuff of my own, but nothing as dramatic. But all New Brunswickers dealing with fload are in my prayers. 

Today at least, I am taking a look at my portfolio just to check if it's at least still alive... and that nothing has disappear... and yep, all of my stocks are still in the wood. Fortunately, my stocks don't need their mommy and it's better this way. My non-registered portfolio closed today session at $‭123 309.11‬ - it's a bit down, I am usually in the 125k or close. My margin debt is at $‭48 793.37‬ - a bit high, I would be happier to be on a 45k debt. My TFSA portfolio closed at $71 552.77‬ - whenever it's exceeding the 70k is quite good. My RRSP portfolio, stocks only, closed today session at $‭43,172.61‬.

It's quite awful.... it's now May 1. Another rent payment. I will do my best no to spend too heavily in May and June. In July, I have a 2 weeks vacation. The month of March had been rough for my expenses because I had to do those tax payments. I taught I was going to roll on some debt because of all of those expenses. But I closed the month with a saving of $6.09... My expenses were of 
$ 4 877.26‬, and my income of $‭4 883.35‬. Was quite a short month! And for April, I had my Easter vacation in New Brunswick. I have spend just bit more than the $‭2 123.47‬ posted a few days ago. Still a lot of money, but I had to buy new shoes and my vacation cost me some money too.

Unfortunately, nothing is free in this world. If I work really hard, I may be able to save some money enough to place my next investment sometime in June. And I don't care if I need to eat peanut butter sandwiches (my favorite) everyday in order to do so.

My next investment? Well you know what it is: BAM.A. This one is my next baby.

Sunday, April 28, 2019

The month of April 2019: budget in review

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $78.63
Total: $823.70

Grocery: $170.58
Eating out: $173.01‬
Coffees: $38.9‬0
Wine: $9.95
Total: $392.44

Personal care:
Makeup: $54.23
Other: $20.67
Hair cut: $63.24
Total: $138.14

Shoes: $152.91

Sport accessory: $17.24
Order for cheques: $57.24
2 dish clothes: $1.43
Notebook: $2.88
Total: $78.79

Taxi: $30

Easter vacation expenses: $313.55
Reservation for this summer vacation: $222
Total: $535.55

Interest on margin: $220.41‬

Total expenses: $2 371.94‬

Paychecks: $2 643.3‬0
Dividend earns in the non-registered portfolio: $328.79
Dividend earns in US portfolio: $0
Dividend earns in TFSA portfolio: $271.46
Dividend earns in RRSP portfolio: $91.61
Total income: $3 335.16

Money save: $963.22

The month of March 2019: budget in review

I didn't post any "budget in review" since this past February.
The month of March, as well as April so far, had been quite busy, and the expenses had sky rock, which explains why I didn't place any new investments for quite some time now.

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $48.65
Total: $793.72

Grocery: $438.81
Wine: $10
Eating out: $251.82
Coffees: $67.75
Total: $768.38

Personal care:
Hair cut: $63
Makeup: $14.59
Shampoo, conditioner, soap, deo: $49.51
Calcium: $25.62
Earrings and hair clips: $26.33
New glasses: $458.01
Total: $637.06

Home expenses:
Sealed plastic container: $7.48
Blanket and sheets: $106.80
2 carpets for entrance: $8.32
Plants: $72.37

Plant pot: $18.97
Plant pot: $7.48
Total: $221.42

Taxi: $40
Metro tickets: $15.75
Total: $55.75

Accounting for the 2018 taxes: $80.43
Payment to the tax man for 2018 (federal and provincial): $1 944.31
Total: $2 024.74

Museum membership: $72

Gift: $60
Laundry tickets: $50
Total: $182

Interest on margin: $194.19

TOTAL: $4 877.26

Paychecks: $3 927.93
Trade on Lightspeed: $106
Dividend earns in the non-registered portfolio: $608.63
Dividend earns in US portfolio: $15.68 US - $21.13
Dividend earns in TFSA portfolio: $173.03
Dividend earns in RRSP portfolio: $46.63

TOTAL: $4 883.35

Wednesday, April 24, 2019

Hope you had an Happy Easter, TSX investors

I just arrived yesterday in the late evening from a few days in New Brunswick. I actually wrote my post of April 12 while being on the bus, that's why I couldn't find out how well was doing my portfolio during that time! :-) Yesterday when I arrived in my Montreal "home", I checked out my data. In the date of yesterday, my non-registered portfolio was at $125 442.81, my TFSA portfolio at $71 079.05, my RRSP portfolio - stocks only - at $43 086.91, and my US portfolio at $3 344.69 in the US $. But today, results are even better, and that's because my lovely TSX closed today session at a really good 16 669.4 points. And now, I just don't have time to complete this post. Maybe it's best this way - maybe the TSX will close in the 16 700 points tomorrow, why not?

Friday, April 12, 2019

Truth, dare, double dare, promise, or repeat. Repeat, repeat and repeat

I just know how to repeat, nothing else.

I am not able to check on the value of my stocks right now, but one thing is for sure, my net worth is probably exceeding the 222k at this time. Back in August 2018, I was on my highest net worth value ever: in the $232 600. Now that I am 222k, I am not far behind that 232k. If the TSX can continue on its golden road, I may be in business to even exceed the 232k value. Something like 3 years separates my first $100 000 from my first $200 000 net worth. I had been stuck in the 200k net value since 2018, and I already have enough. I had been thinking on my past road, on the way I picked my stocks in the past. I often invest in stocks while they had been trading at their highest value – and it actually never been a mistake. 

Good quality stocks often trade at their highest value, it's ok to hit in when the time has come. It may not be the best timing in term of trading – got to buy low, sell high right – but sometimes, you need to abstract yourself from the regular figures and from the traditional financial blablabla. You need to welcome high-quality stocks in your portfolio whenever it pleases you, to then welcome them in your life and love them so much that you can’t no longer exist without them. Without that special stock, your life has just no meaning. And you get to love those stocks so much that your love protects them from all the market upside down.

If, by any chance, those stocks trade lower at one point and that you are lucky enough to buy at that special time – that’s even better. But occasions don’t present themselves all the time. And for people like me who are living paycheck per paycheck and who are extremely cash poor (because you’re an addict and trash all your money over the stock market), it could be even more difficult to enjoy such opportunities. In the past, I never wait long before investing in stocks that I had crushes on.

When I want a stock, I want it.

And this is why the experience needs to repeat itself every time. Got to target a good stock, jump in when you can and keep doing the same damn thing over and over again, again and again.

In the previous post, I expose a few stocks I had my eyes on. Currently, the only stock I want is Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A). WPK is nice but it’s not powerful enough. Once again, history is repeating itself, I am soon about to invest in a stock that is trading in its highest value ever. It’s not my fault, BAM.A just got everything I need to boost up right into the stars my net worth.

But now, are you just ready for it?

Monday, April 8, 2019

YESSS! The TSX is now in the 16 400 points - and even exceeding it!

That's it! It looks like I am getting my Eastern gift right on time before leaving Montreal behind for the belove New Brunswick for a couple of days! But this is not a from me-to-me, it's a gift I am getting directly from the TSX. My non-registered portfolio closed today session lower, at $125 478.69, but I am experiencing what I think might be my new highest value ever for my TFSA portfolio, $71 057.31. My RRSP stocks only portfolio closed the day at $42 905.19. 

Sunday, April 7, 2019

My net north is now at $222 942.87

It's nice to see the TSX hitting in the 16 400 points direction! In those great times, I estimated my net worth to be in the $223 000, an increase of $6 000 compare to March 1th at the time of my last portfolio update. My non-registered portfolio closed this past Friday session at $125 877.48, my TFSA portfolio at $70 941.14, my RRSP portfolio - stocks only at and my US only stock portfolio at $3 283.41 US. I just had posted an update of my portfolio update, and I was almost right! My current net worth is now at $222 942.87, not too bad. I had posted the portfolio update earlier today.

Another good thing I did this afternoon is paying my federal and provincial taxes for 2018. The amount was quite sustainable, almost $2 000 all mix together. But this is really nothing. In 2018, my income had been in the $70 000. I wanted this to be taking care of now before my vacations in New Brunswick, which are coming in a hurry and I can't wait. Spring is giving me an energy boost. Winter had been rough and the warmer weather is quite nice. I spent a big part of my Sunday afternoon browsing the screens of Stockopedia. Sometimes, I can search for stocks on Stockopedia, but for a reason or another, I won't find anything interesting. But today was quite good, a few stocks came my way.

Here's the result of my today browsing on Stockopedia. Consider this as a "first draft", not as a final serious list of potential stocks to invest in. I have highlighted in yellow the stocks that I feel that could eventually be a good fit for my portfolio:

Ag Growth International Inc. (AFN)
Viemed Healthcare, Inc. (VMD)
PFB Corporation (PFB)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
GDI Integrated Facility Services Inc. Subordinate Voting Shares (GDI)
Waste Connections Inc. (WCN)
Killam Apartment Real Estate Investment Trust (KMP.UN)
Great Canadian Gaming Corporation (GC)
Alimentation Couche-Tard Inc. Class B Subordinate Voting Shares (ATD.B)
Magna International Inc. (MG)
West Fraser Timber Co. Ltd. (WFT)
Medical Facilities Corporation (DR)
Middlefield Healthcare & Wellness Dividend Fund (HWF.UN)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
SmartCentres Real Estate Investment Trust (SRU.UN)
Tricon Capital Group Inc. (TCN)
Winpak Ltd. (WPK)
Hardwoods Distribution Inc. (HDI)
Newgrowth Corp. Class A Capital Shares (NEW.A)
WPT Industrial Real Estate Investment Trust (WIR.U)
Valener Inc. (VNR)
First National Financial Corporation (FN)
Gildan Activewear Inc. (GIL)
Kirkland Lake Gold Ltd. (KL)

I had invested in ATD.B in the past, so I won't be investing in it again. Currently, Winpak Ltd. (WPK) has all my attention. I wouldn't like to invest in some REIT or financial stocks at this time.

My debt situation on date of April 5, 2019

Margin account: $47 007.34 @ 5.50%
Annual interest: $2 585.41
On date of April 5, 2019

*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 April 5, 2019

Cold cash: $695.89

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11 043.75
Methanex Corporation (MX): $8 202.92
Fortis Inc.
(FTS): $6 176.44
Pembina Pipeline Corporation (PPL): $31 613.40
Corby Distilleries Limited (CSW.A): $2 495.60
iShares S&P/TSX Capped REIT Index (XRE): $2 921.38
New Flyer Industries Inc. (NFI): $3 683.11
TMX Group Inc. (X): $690.96
K-Bro Linen Inc. (KBL): $3 750
WesternOne Inc. (WEQ): $21
TransCanada Corp (TRP): $1 534
Canadian National Railway Co (CNR): $10 849.50
Enbridge Inc. (ENB): $16 104.40
Emera Inc. (EMA): $1 261.25
BCE Inc. (BCE): $1 313.84
Saputo Inc. (SAP): $1 826.40
Lassonde Inc. (LAS.A): $1 700
Loblaw Companies (L): $798
Savaria Corporation (SIS): $6 974.98
ATCO Ltd. (ACO.Y): $2 793.60
Jamieson Wellness Inc. (JWEL): $1 897
WSP Global Inc. (WSP): $3 651.50
Aecon Group Inc. (ARE): $1 791
Aphria Inc. (APH): $2 686
George Weston Limited (WN): $97.45

TOTAL: $125 877.48

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 642.24
General Mills Inc. (GIS): $1 627.84
Cash: $13.33

TOTAL: $3 283.41 US: $4 379.08 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $915.25
CT Real Estate Investment Trust (CRT.UN): $1 437
Canadian National Railway Co (CNR): $4 822
Exchange Income Corporation (EIF): $34.39
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 725.20
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 261.50
Andrew Peller Limited (ADW.A): $2 225.30
Hydro One Limited (H): $2 192.40
Toronto-Dominion Bank (TD): $1 497.80
Boyd Group Income Fund (BYD.UN): $4 440
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 475.50
Data Communications Mgmt (DCM): $7.62
Morneau Shepell Inc. (MSI): $2 475
Royal Bank of Canada (RY): $4 135.20
Park Lawn Corporation (PLC): $1 537.20
Toromont Industries Ltd (TIH): $2 776.80
BCE Inc. (BCE): $537.48
Northview Apartment Real Estate Investment Trust (NVU.UN): $4 287
Sienna Senior Living Inc. (SIA): $1 508.80
Boralex Inc. Class A Shares (BLX): $764
Richelieu Hardware Ltd. (RCH): $1 018.90
Savaria Corporation (SIS): $949.90
Northland Power Inc. (NPI): $2 335
Calian Group Ltd. (CGY): $2 471.60
BMO Bank of Montreal (BMO): $2 043.60
Canadian Utilities Limited (CU): $1 564.08
WSP Global Inc. (WSP): $1 825.75
Granite Real Estate Investment Trust (GRT.UN): $635.40
Cargojet Inc. (CJT): $2 329.57
Nutrien Ltd. (NTR): $3 615
TFI International Inc. (TFII): $3 341.60 
Canadian Imperial Bank Of Commerce (CM): $3 282
SIR Royalty Income Fund (SRV.UN): $1 296.80 
Cash: $163.58

TOTAL: $70 941.14

RSP investment portfolio: 
Emera Incorporated (EMA): $14 226.90
EnCana Corporation (ECA): $1 033.56
Toronto-Dominion Bank (TD): $2 246.70
Telus Corp (T): $2 477
Royal Bank of Canada (RY): $2 067.60
Savaria Corporation (SIS): $2 741.14
Thomson Reuters Corporation (TRI): $2 817.36
Park Lawn Corporation (PLC): $5 124
Richards Packaging Income Fund (RPI.UN): $1 265.55
Toromont Industries Ltd (TIH): $485.94
CAE Inc. (CAE): $2 100.70
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3 227.35
Boralex Inc. Class A Shares (BLX): $955
Quebecor Inc. (QBR.B): $811.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $305.62
Brookfield Renewable Partners L.P. (BEP.UN): $798.95
Cash: $233.20

Total: $42 917.82         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 945.21

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

GIC National Bank: $1 342.86              

Manulife Fidelity NorthStar GIF CAP B: $1 247.76
Manulife Simplicity Growth Portfolio: $1 406.27
Maritime Life CI Harbour Seg Fund: $1 229.18
Maritime Life Fidelity True North Seg Fund: $1 642.80
Manulife GIF MLIA B World Invest: $1 258.42
Total: $6 784.43

Other various: $12 951.55

TOTAL: $68 021.62

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
On date of April 5, 2019
$269 950.21

Monday, April 1, 2019

My non-registered portfolio closed today session at $125 610.02

This is not an April fool post! For real today, my non-registered portfolio closed today session at $125 610.02. Fact that the TSX closed over the 16 200 points is helping. Bank of Canada won't increase the interest rate. It's the right move, knowing that what investors are obsessed about right now is the upcoming recession, what may come we just don't know when. Some we are facing some rough time with China, that they won't buy our canola oil... this is going to hurt many Canadians, especially if China can buy their canola oil from another country. I guess there are many producers of canola oil worldwide, this cannot be just a Canadian thing. With the upcoming elections, I am seeing more negative than positive things going on. Too often, the TSX often has an opposite feeling, like for today, where she decided to pop it up over the 16 200 points. I am not going to complain.

Currently, it's now official, my investment in Pembina Pipeline Corporation (PPL) is now exceeding the $31 000 value. Following some announcements, SIS and PLC had closed the day on a trading halt. SIS had been on a rough path, it's that it had hit the $20 per stock value, but now the stock is trading lower. However, I am on a really good capital gain on this one. Who knows for sure, maybe SIS will open on a positive note tomorrow morning. As for Park Lawn Corporation (PLC), PLC had been sitting my portfolio since now 2016. Time is flying by too quickly! People die and need a funeral, and other related services. For that reason, and since baby boomers are not getting younger, business is "booming" for PLC. Services in that sector can be quite expensive. I am very proud of having PLC in my portfolio, it's among those stocks who are shining like a diamond to simply make me look good. Being able to find this stock on Stockopedia had been a blessing. It's the reason why I just keep searching for stocks on Stockopedia because you never know what I may be able to find next. Its a search that will simply never end: the search for my really next best investment. But this game is just getting harder and harder knowing all of the good stocks that I hold: ENB, CNR, PPL, PLC, TIH and many many other.

Sunday, March 31, 2019

Don't listen to what Nigel D’Souza of Veritas Investment Research has to say

I am surprisedd, by this, but my non-registered portfolio closed this past Friday session at $124 525.99, my TFSA portfolio at $70 170.81 and my RRSP portfolio - stocks only - $43 275.60. I think this is the highest value ever registered for my RRSP stocks portfolio! I am surprised overall by those good results because the TSX didn't close on a positive note. Its why I am surprised to see my non-registered portfolio closed to the 125k. I am usually on that spot only when the TSX is in good spirit. But no problem, I am taking those great results. I however have a few bad things going on.

It looks to me that my bank stocks are on a lower note in my portfolios. Got to thank a little loser who's making people panicking and selling those precious bank stocks just because Nigel D’Souza is saying so. And the worst thing is that the organization he's working for,  Veritas Investment Research, is based... in Toronto. So we are not even talking here about a complete US idiot like Marc Cohodes, who had publicly bashing a Canadian jewel, Exchange Income Corporation (EIF), and making it fall. We are talking here about a Canadian citizen working for a Canadian business who is beating up our banks! 

Fact is, no one - including me - can always be on top of their game. Market fluctuation happens, Canadians hold a lot of debt, and we are currently waiting for the next recession to happen in this country. Back turns is naturals and normals. But we shouldn't push it. Nigel D’Souza decided to be on the same side as Marc Cohodes: an enemy to the good wealth of this country. Currently, things are not top-notch, why does media are actually paying attention to what Nigel D’Souza has to say. Even Amber Kanwar of BNN The Open talked about this on national television. Amber Kanwar decided to pay attention to Nigel D’Souza - I guess she has her script to read - but I am smarter anyway.

Sure, this is not the perfect time to buy Canadian stocks. There's a lot of insecurities going on. Even in my 3 portfolios, I see that bank stocks are down. But hey, Canadian banks are great dividend stocks and they pay well, and their dividend is secure AND increase over time. Dealing with a bad turn is not exactly a bad thing either. It's the perfect time to buy stocks who are usually really expensive. Your asset will temporarily suffer, but the inner self doesn't change no matter what. And this means that, if the vlaue of your bank stocks may go down at some point, it doesn't change this: Canadian stocks are a great stock to hold inside a portfolio. Stocks bank are like anything else, you can have some in your portfolio, but don't concentrate all of your assets in them.

Currently, you could see Nigel D'Souza as a traitor to the Canadian nation, nothing less, just like Marc Cohodes had been with Exchange Income Corporation (EIF). A manipulator and a cheater. And a poor man.

In life, you need to be smart enough to target the good people from the bad. If you don't have that ability, you'll end up listening and wasting your time with the wrong people, and you'll end taking really wrong decisions, like selling now your bank stock, while their value is down.

This being said, I have my eyes on JWEL, which is only now at a gain of 0.56% in my non-registered portfolio. Funny thing being that SIA is on a gain of something like 4% in my portfolio while I had been thinking of selling it to pay down my 2018 taxes, which I didn't pay yet. I have my Easter vacation coming up so I can quietly escape from it all, at least for a few days.

Thursday, March 28, 2019

What you should really do with your 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package

Do as you wish with the following advice, but I am simply telling you what I personally do with that paper piece of shit! Of first of all, you need to know that this 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package is being sent from directly from a tax heaven paradise: Bermuda! 

And here is the complete address:
Brookfield Infrastructure Partners L.P.
73 Front Street, 5th Floor
Hamilton, HM 12, Bermuda

And here it what it's looking like. It's not looking like there's a 5th floor to any of the building that is closed by. And I cannot see the 73 Front Steet. At 73 Front Street in Hamilton, Bermuda, we don't have anything related to Brookfield Infrastructure Partners L.P., but we have a nice bike store, Winners Edge Bike Shop. And on the other side of the street, you can see a super huge cruise ship. It's part of the reason why I am not taking that 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package seriously.

Secondly, I am a Canadian, not a US citizen, fuck US. I won't provide any information on myself to the US, that's for sure.

Third, this 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package had been send through the regular mail. I didn't sign something to received this letter. Nothing proof that I had received it or not so guess what, I had decided that I didn't receive it (I know, I am a really bad girl). Sorry, I didn't know. I never received the 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package. I never heard or read anywhere about that 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package. I know f off about it! ;-) Lie, lie, lie.

Fourth, on the first page in bold, I have the following:
Non U.S. resident unitholders may not require the U.S. Tax Package.

Ok, well, you know what? I am not a U.S resident (thank God!), and I decided that I do not require the U.S. Tax Package. It's all I have to say about the 2018 Brookfield Infrastructure Partners L.P. ("BIP") U.S. Tax Package.

Tuesday, March 26, 2019

Its the tax season again, be careful with the information you provide

A few years ago, I used to work in the Ottawa area and I actually worked for Elections Canada, through an agency. It wasn't well paid. Actually, while I was in Ottawa, I have never been able to find a well-paid job. I wasn't making much from one single job, but fuck it, I was working at 3 jobs at the same time and money was yes entering, but it was a crazy time. During that time, I worked for Election Canada for a few weeks, it was during the election of Stephen Harper. Some people were voting while being in the US or overseas, that's the kind of files I had contact with. I was amazed by the amount of confidential data people were giving out. Some details were not even needed, but I guess that because it was received by the government, people were confidence and were disclosing more information than needed. 

During that time, I could have stolen personal information really easily, none of us were really checked out. There was no control of workers, meaning that I could walk out with a few files in my backpack and no one would have noticed. I was actually not impressed by my time to spend in Ottawa. I found Ottawa being extremely superficial city, expensive, and actually quite boring. I didn't like it much because everything happens in English there. And I don't like English despite blogging in English. I don't like to live in English, its all so out of roots and an impersonal language.

The time I spent working at Elections Canada served me, in the sense that I know how important it is to protect our personal information. The tax season is another time when you need to disclose important information to another party (accountant) in order to have your tax duty done and completed. There's information that your accountant doesn't need to know in order to do its job:
-the name of your broker, and its address, phone number
-your account number
-the name of the stocks you hold

TD Waterhouse offers the eService - which is easy to access and select 2018 for the tax papers. You print it all. Once printed, take a black marker and cover-up: the broker name and address, your account number, the same of the stocks you hold. Once you're done, produce a photocopy of each document. Verify each photocopy closely because sometimes, even if you had to use a black marker to cover up, you'll be able to read the info cover in black if you put it on a light. If it happens, use a pen, and dar a bunch of lines to cover the dark in the front AND back of the sheet.

Once done and completed, no one should be able to see fuck off. And now, the good news is: you are a now smart ass like the Dividend Girl! Look at you.

While proceeding with your tax, always declared everything related to your stocks. Because if you don't, the government will get back to you. The federal knows everything when it comes to your stock portfolio. If you don't declare the dividend earns inside your non-registered portfolio, f you don't declare capital gains made after you sell stocks inside your non-registered portfolio, even if you don't declare those informations, the federal knows it. and all this make it strange having to do a tax declaration when the government already knows everything but go figure. When it comes to investment, what you do inside your TFSA and RRSP: you don't need to declare anything in terms of earnings. What matter is your non-registered portfolio. You need to declare the dividend earns inside a non-registered portfolio, as well as the capital gains made following the sell of stock inside a non-registered portfolio.

My newest find on Stockopedia: PFB Corporation (PFB)

I was expecting something more coming from the TSX this past Friday, but good times on the stock market comes and goes, but I am always ready when it's showing up. Today wasn't actually a bad day at least, it's just that the TSX is having a hard time to jump over the 16 200 points value. The 16 100 seems to be the new normal in today market. My non-registered portfolio closed today session at $123 792.59, my TFSA portfolio at $69 874.97 and my RRSP portfolio, stocks only, at $42 602.34.

My latest investment, SIR Royalty Income Fund (SRV.UN) is on a gain of 1.48% inside my TFSA portfolio. While investing in a stock, I always wish for the best of course, but I am surprised with that 1.48%. I was more thinking of SRV.UN as cash dividend provider and as a calm stock soldier. I explained the calm stock soldier thing in that post. But it seems like SIR Royalty Income Fund (SRV.UN) is willing to do it's really best to impress its mommy. And mommy is proud!lol I am the mother of many many children. Now that SRV.UN is a killer stock and is now business as usual and integrated in the whole house, now, I am ready for my next investment. I spent sometimes on Stockopedia this weekend and I was able to find a new interesting stock: PFB Corporation (PFB). 

While browsing for stocks on Stockopedia, I mostly go through all of the screens, just to make sure I am not missing out on anything, and sometimes, I just go by StockRank or other search criteria. It's hard to believe but it seems like I am all alone in Canada, enjoying Stockopedia... But it's not a secret anymore to no one - at least for those how are smart enough to read my blog - that Stockopedia is a great tool for anyone willing to find great investments by their own. 

No more need to wait for Jean-François Tardif brand new stocks, the poor man and his unfamous JFT Strategies Fund (JFS.UN) hasn't delivered in ages anyway. With Stockopedia, you need no one, not even me, to find great stocks to invest in. However, I encourage you stay, just in case I would come with THE greatest find of all. All of the stocks that I found on Stockopedia. And the magic trick being: while being browsing on Stockopedia and while facing a good deal: will you be smart enough to recognize the beauty of your newest finding? While facing perfection, will you be able to recognize it? You don't really need to answers those questions. You just have nothing to worry about because my thing is to post about stocks that I find using Stockopedia. It doesn't take any financial knowledge to be able to recognize the good stocks from the bad ones, it takes only some common sense, but even common sense if a quality that is getting rare in our modern world, and that especially something you notice while living in Quebec province: the lack of general intelligence. I could come up with many many examples of why of that, but I think my latest post speaks for itself. And if you are just smart enough, you'll quickly understand that I never get enough of new stocks. I just get really happy and excited when I find an unknown stock that seems to be just perfect for me. I pitched it right on my post title, no time to waste. My newest finding made on Stockopedia is: PFB Corporation (PFB). You won't hear of that stock anywhere on the Web, at the expectation on my blog!

PFB Corporation (PFB) is a nice little one, but what bothers me is that the stock didn't gain yet is pre-2008 stock crash value: (click on the pic to see more clearly):

I don't see in PFB the stock of my life, but I like the stock. It would make a good pick, but only for a little investment. Its getting harder and harder to find some new exciting stuff to invest in.

My tax season is over, but I don't know for sure if I am out of trouble yet. I received a call from Impôts Ici this past Saturday, after completed their survey, but even if I didn't request a callback, I was called back, they actually called two times, once on Friday, and another time Saturday morning. When I answered I was told some bullshit. In the survey I completed, I wrote that, since I had found two mistakes in my tax declaration, I would have appreciated that they had proceeded with a completed review before sending the forms. The guy who called said that the review had been made when they entered the corrections - which is impossible because it took less than 5 minutes for the correction to me made and for the papers to be print. I wasn't really impressed by their poor services, but I wasn't expecting more coming from Quebeckers. No matter what, outsiders shouldn't visit Impôts Ici for their income tax.

Thursday, March 21, 2019

My non-registered portfolio on the $125 000 value

Lightspeed POS Inc. (LSPD) decided to perfrom good again today, but I didn't place any trades on it today. But Ichecked it from time to time, how knows if I will try another day trading move on that one. At this point, LSPD doesn't have anything I am looking for as an investment, that stock is only an investment to play on for day traders.  My non-registered portfolio closed today session at a good $125 267.36. This is among the first time that I had been in the $125k value for my non-registered portfolio - its the only reason why I am writing this blog post right now. I hope tomorrow will be another good day for the TSX, that way I will be able to publish a portfolio update. I may be able to hit in the $223 000-225 000 net worth, if lucky. And lucky I am.

Belive it or not, Derek Foster's General Mills Inc. (GIS) US stock is gaining 8.69% in my US portfolio - it took a really long time for this little one to generate some capital gain. My US portfolio, I don't ever really write about it because it only contains two stocks - closed today session at $3 250 US. My TFSA portfolio closed today session at $69 930.5, and my RRSP portfolio - stocks only - at $42 300.96.I think its the first time ever that my RRSP stocks portfolio is on the $42 000 value. So that's quite good too. Fun thing with stocks is that if you pick the right ones, your asset grow over time and it make it easier and easier over time to reach the big bucks. If I can get a good stock situation this year for the TSX, I could easily be on my way for a $250 000 net worth - if not more. 

Currently, I am looking fro stocks involved in the health sector - I don't have any stocks in that sector. I would also like to invest in a stock involed in water treatment and environment - but I find those stocks to be hard to find. This is going to be my little project on the side with Stockopedia for the weekend.

In my TFSA portfolio, I am thinking about selling my investment in Sienna Senior Living Inc. (SIA), but I am not sure yet. Its about all for now. If I need to sell something in order to pay my 2018 taxes, SIA will be the one that I will be selling.

My tax declaration for 2018 is now completed

I got my 2018 tax declaration done this evening, but it wasn't without any pain. About two days ago, I received an email saying that my tax declaration was now completed and that I could go get the papers at any time. I manage to have that done today. As soon as I got the declaration in hand, I check if my financial fees were correctly declared. And as I expected it, it hasn't been entered.

It had been checked as being entered by the accounting on the paper, but it hasn't been entered in my tax declaration. The amount was quite important and as I notice the mistake, I immediately asked to have it fixed, especially since that I had paid for the service as soon as I stepped inside. I was told that I need an appointment with the accountant. I had to explain that it was a mistake from their part and they need to have it fixed now, since I had already pay for the tax declaration. I managed to get their mistake fix. That brings the amount that I needed to pay back in taxes from $4 856 to... $2 996. 

Following what, I walked my way back home, I stopped at a coffee shop and made my way back home. Once home, I had the really good idea to verify my tax declaration. Its when I had found a second big mistake, that time was with the amount of dividend income that was declared for 2018. I called myself a taxi to hit back to the accounting office. I was quite upset. They had fix again their mistake. That time, the amount I have to pay back in taxes (federal and provincial) went from $2 996 to... $2 049.

At first, $2 049 may seem as being a big amount to pay back in taxes, but I don't if you remembered my investment year of 2018: I made several thousands of $$$ in capital gain by selling RNX and PBH, among other things. 2018 was the year when I decreased my margin account usage from $100 000 to less than now $45 000. $2 049 is a really small amount to pay back in regards to everything that been positively accomplished in 2018. I am not upset about the fact that I have to give back $2 049 in taxes to the federal and provincial government, but I am however pretty upset on how Impôts Ici completely fuck up my tax declaration this year. I am certainly not going to deal with them next year, that's for sure. If I continue to review my 2018 tax declaration, I am pretty sure that I am going to find other mistakes. I am not a specialist, so it's quite difficult for me, trying to figure out if more mistakes had been done or not from Impôts Ici, as I am working on impressions and comparisons to my 2017 tax declaration.

This is how it goes with Quebeckers, always so pure incompetent. Always double check everything with them. It's the number one rule for outsiders trying to survive in Quebec province.

My feelings are always right. I didn't get myself that $220 000 net worth out of poverty because I am an ordinary girl. My intuition is my best tool and I always obey it. I knew, even by entering Impôts Ici door that I had to check if my financial fees had been probably declared. I just knew it. This year, they probably made new hiring and there must be a new accountant that shouldn't be working there. I never had any problems with Impôts Ici before, but this year had been quite catastrophic and it had made lose my precious time. It's now past 10 pm and I didn't even have time to check out on my precious stocks. Quebeckers are quite good at this, making lose my time and my temper. And trust me, you don't want to be there when it happens, give me what I ask or just be ready to see how evil and mean I can be. No matter what happens, I will always be the last one standing. At the end of the day at least, I only have $2 049 to pay back... and not $4 856. It had worth the fight.

Tuesday, March 19, 2019

Great day for my net worth, but bad day for Canadians

I have never been a fan of Justin Trudeau, but today, baby face Andrew Sheer and members of his Conservative Party really pissed me off. The scene makes me remembered of when the poor Theresa May was desperately trying to get a consensus for the Brexit, but members of the government were just making so much noise! Its such a childish attitude coming from so-called representatives of the people. Back at the time, I was a bad girl and taught of Ukers were such a bunch of miserable people. But today, it was our turn. This is not supposed to happen in Canadian society. We are perfect, we are the best. The federal budget is quite something important, but by creating such a chaotic scene, the Tories made it impossible to listen to Bill Morneau presentation speech of the 2019 federal budget. I would like to listen to what Morneau had to say, I was waiting for it. I was actually listening to BNN, but I taught the problem was coming from BNN... Anyway, I am really not impress by Andrew Sheer, I sincerely prefer having another 4 years with Justin Trudeau, rather than having Andrew Sheer as Prime Minister. In my belove New Brunswick province, things are slowly getting better. We had been able to pay down some debt and generate some income.

Despite being an English man, our representative Blaine Higgs is not cutting off into the bilingualism of the province, which is quite good. French communities don't have to be scare. And as you might know, I am a New Brunswicker coming from one of those Acadian French communities. I am saying Acadian French, because being French, and being Acadian French is not the same thing. I wasn't able to vote at the last New Brunswick elections for the simple reason that I, unfortunately, live in Quebec province, but I was quite scared of Blaine Higgs and I saw only in him an English man who doesn't speak any French, despite the fact that he had all of his life to learn. Higgs is quite an old man, he doesn't have the fresh years of Brian Gallant, but at least, it's looking like New Brunswick is going somewhere, for once. While coming from such a poor province where finding work is so hard, you get to appreciate your money, even more, when you get the chance to have some. And not only do you get to appreciate that money, but you certainly do something with it, because you learned, a long time ago, how much those bucks are precious, you get to be smarter than anyone else - as you might know it.


The federal budget presents a few good things, but it's being said that it's not a budget that will protect us much in the eventual case of a recession. That upcoming recession, it's being talked about so much that I think that all investors, major or small, see it in their soup. We are waiting for it to come. But I don't want it to come. Can I please have it easy for once? Maybe we are in a recession right now and we don't even know it. Anyhow, recession or not, my non-registered portfolio closed today session at a really good $124 212.53, my TFSA portfolio at $69 403.15 and my RRSP portfolio, stocks only, $42 074.45. The numbers are only getting higher. I believe my net worth is in the $220 000 right now. Let's go. I am not going to stop here. No sign of recession in my investments. I am just too good to be real.

Lightspeed POS Inc. (LSPD) is no longer so good and keep going down. I am not expecting to repeat any day trading move on this one. Since last week, when I quickly sold LDPD, I didn't get back in and I am quite happy I didn't. 

Sunday, March 17, 2019

Lightspeed POS Inc. (LSPD): my best Canadian stock for day trading

This past week had been an interesting one. My non-registered portfolio closed this week session at $123 319.022, my TFSA portfolio at $69 518.37, and my RRSP portfolio - stocks only - at $41 808.09. Many great things are going on. Currently, my investment is Pembina Pipeline Corporation (PPL) is exceeding the $31 000 value. In my TFSA portfolio, Derek Foster stock, General Mills Inc. (GIS), remains in the positive zone, with a tiny, but still, again, at least, of 3.17%. 

It's been a long road for GIS but now we are all set, and I hope for more gain. Sometimes, a stock will register quick gains inside of my portfolio - and sometimes, it's not the case, it somtimes takes some time. In that matter, I can only think of my Richards Packaging Income Fund (RPI.UN). I acquired RPI.UN for my RRSP portfolio back... in 2016! It took some time for my investment to register some capital gain, but it eventually did. And I am currently on a gain of 63% with Richards Packaging Income Fund (RPI.UN).

Sometimes, before starting giving some positive results in a portfolio, a stock will need to take the time it needs to breath, take its air and just be, for a little while. It's always kind of frustrating when a stock is not performing well as quickly as we would want. Another example of a stock which I had difficulties to hold at first: Nutrien Ltd. (NTR). Its been a rough road for NTR, but the current Nutrien Ltd. (NTR) performance has nothing to do with my late Agrium shares - but at least, NTR had started provided some serious $$$. Inside my TFSA portfolio, Sienna Senior Living Inc. (SIA) is sitting on a shy 2.29%. However I am glad because I started getting scared that SIA may be caused some capital loses when I started realizing that this little one wasn't going to be a top-notch performer, but it didn't - at least so far.

This past Wednesday, I placed a quick buy-and-sell move on Lightspeed POS Inc. (LSPD), and ever since, I had been carefully watching how LSPD had been doing. I had in mind to go back in LSPD again and place another hot sell in the fire, but the title had been going more down than up, so I didn't proceed. LSPD is on a hot momentum right now. I had been day trading, and many others are doing the same damn thing. That's what this reader doesn't seem to understand. That's where is coming LSPD volatility: from sweet day traders like myself who had been smart enough to target Lightspeed POS Inc. (LSPD). I am not in tech stocks, so I proabably ever be investing in LSPD, but I may, again, day trade it's ticket - one more time.

Wednesday, March 13, 2019

Day trading Lightspeed POS Inc. (LSPD): this one is fun for real!

I wrote about Lightspeed POS Inc. (LSPD) and it only "light-up" the idea for some little day trading. I had been waiting for the right stock to proceed and thankfully, Lightspeed POS Inc. (LSPD) appears to be on the right momentum, enjoying intensive spotlights. Currently, on the TSX, LSPD is highly popular, LSPD is among the most actively traded companies on the TSX! And guess what, your little favorite took part into the action!

I am mostly what you may consider an "investor", and mostly a dividend oriented investor for the biggest part. I like to target stocks for the long run. I had been investing in stocks for now over 10 years (actually 11 years now), and it's quite nice to see that I still hold stocks that I had been holding on for 11 years. I love to invest, but I also like to trade from time to time. What I define as trading is holding a stock for a short period of time, and selling quickly while it's possible to make some money out of a quick buy-and-sell move. It's easier for me to be an investor rather than a trader because I had an "investor" for 11 years now. And I didn't place many quick buy-and-sell moves during those 11 years. My instincts are mostly on the investment side, and not trading. But in 11 years, I saw different things and it helps me to understand that, even if a trade move is done for a quick move, once money is invested, you need to invest it into something solid. Always target quality stocks, and you'll even be able to day trade on them once in a while if you really want to.

Internet and YouTube is full of so call traders. You'll find many investors being at the search of penny stocks to trade. Personally, penny stocks are out of my lead, but the idea of day trading penny stocks is quite appealing. And many personalities play on that "easy money aura", like for example Timothy Sykes who's my little favorite on that field. I even taught about following his courses at one point. For now, I still don't like penny stocks. I prefer to invest and trade more solid stocks.

Personally, I find that Lightspeed POS Inc. (LSPD) is the perfect stock for day trading - at least for now. Today, it took me only 43 minutes to make $106 - after commission fees - out of LSPD. I place the trade using my margin account. I was anxious at first, but quickly following my buy move, LSPD registered some serious gain. If I would have wait more, I would have made even more money, but while trading, I always choose to escape from the trap when I can, rather than being find stuck there - not being able to sell for profit.

I think that LSPD is in the game for even more growth. I can easily see the stock reach the $25 per action. But here again, it's only based on impression, on the current momentum that the stock is on right now. But remember that this momentum could eventually stop without any warnings. 

Tuesday, March 12, 2019

All spotlights on Lightspeed POS Inc. (LSPD)

Many great things are going on right now for the TSX. Currently, my non-registered portfolio closed today session at $123 769.33, my TFSA portfolio at $69 515.62 and my RRSP portfolio at $41 655.85. It's quite exciting to see my RRSP stocks portfolio exceeding the 40k mark. A great stock of mine that I had been holding on to since 2017, CGI, is doing quite great. CGI Inc. (GIB.A) recently made an offer to acquired an IT firm that operated in Europe: Acando AB. Those are great news for all CGI investors. Inside my RRSP portfolio, CGI Inc. (GIB.A) is on a 32% gain, which is quite great. Truly,  CGI Inc. (GIB.A) is the perfect stock, with the perfect chart, please see for yourself:

CGI Inc. is really perfect, but every bad girl has it's little glitched. And CGI is that it doesn't pay any dividend distribution. CGI is a company based in Montreal and its probably one of the best of all Quebec companies trading on the TSX, if not THE BEST Quebec company that is currently trading on the TSX.

These days, another Quebec company is stealing the show on the TSX: Lightspeed POS Inc. (LSPD). Lightspeed POS Inc. entered the wonderful world of the TSX just a few days ago. At first, LSPD made me taught of Shopify Inc., but Lightspeed is not exactly like Shopify. From what I understand, LSPD is an inventory platform for businesses and Shopify is an eCommerce platform. Currently, Lightspeed POS Inc. (LSPD) is enjoying strong momentum. Since the stock is a newcomer on the TSX, Stockopedia doesn't have any data on LSPD yet so I can't get this time that second opinion, a second opinion that I am now too use to get. I am really spoiled. However, my idea on Lightspeed POS Inc. (LSPD) is that it could make an interesting stock pick for a quick hit-and-run move.

Like CGI, LSPD doesn't pay any different, but the similarities between the two stocks stop right there. Lightspeed POS Inc. (LSPD) doesn't have, and won't have any time soon the same really strong historic that CGI Inc. (GIB.A) has. So if you want to play, and play only, LSPD is a good one, to play in the short run. I made a quick comparison between Shopify and Lightspeed, but Lighspeed also include some eCommerce stuff, and I am pretty sure that Shopify also offers some inventory feature... Maybe one day Shopify will be looking forward to buying Lightspeed POS Inc., it would be quite a logical move. We'll have to see about this prediction but so far, I have the feeling of quite a really fresh arrogant management team coming from the side of Lightspeed POS Inc. Is LSPD a good stock for the long term? No. But if you want to play, go for it. As I feel LSPD has super fresh management, typical of Quebeckers. I am however confident that LSPD is relatively secure in the short run. I will keep watching this one and we'll see if I go for a quick buy-and-sell move on this one. It seems to me that I didn't play in a long time. So this is it. Lightspeed POS Inc. (LSPD) could be the perfect partner for a hot one night stand that could be quite lucrative. $$$ As for CGI, its forever everrrr love.

Other than that, inside my TFSA portfolio, my newest investment, SIR Royalty Income Fund (SRV.UN) is doing great, I had registered a little gain on the investment. Latest proud is making mommy proud. Go go go!

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