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Sunday, December 4, 2022

Welcoming an annual $12,040 dividend income

It's now official, my dividend income now exceeds $12,000! This happens this past Friday. In my non-registered portfolio, Enbridge Inc. (ENB) is one of my major holders, and on December 1, I received some fresh new dividends coming from ENB which roll over to create more baby shares - and more dividends - because of the magic of the DRIP. In my investment portfolio, everything that I can put on a DRIP is on one. Over the years, the DRIP that I enroll on really paid off. One of the most recent investments that I can now enroll on a DRIP is BCE Inc. (BCE). 

Unfortunately, with National Bank Direct Brokerage (NBDB), the DRIP is a one-on-one stock thing, which means that as soon as one of your stocks qualifies for a DRIP, you need to call NBDB - or write them an email via your account online. And that needs to be done every single time. When it comes to the DRIP subscription, things were a lot easier with TD Waterhouse - or TD Direct Investing, where the DRIP was an account situation, where you just needed to ask to be set up for a DRIP for each of your accounts, non-registered, US, RRSP and TFSA account and voilà, you were all set. Some little things like that differ from broker to broker. 

I used to have only had TD Waterhouse as a broker, so now I can say that I am somewhat "experimented" with both TD Waterhouse and National Bank Direct Brokerage (NBDB). I have to say, between National Bank Direct Brokerage (NBDB) and TD Waterhouse, I prefer TD Waterhouse because it was easier to have access to customer service with TD Waterhouse (back in the days), and also, with TD Waterhouse, I could view the value of my portfolio in real-time. 

With National Bank Direct Brokerage (NBDB), I never can see the value of my portfolio in real-time and I have to say, it's quite extremely annoying and not satisfying at all for me not to be able to view the value of my investment portfolios in real-time. There's always a 15 minutes delay with NBDB. Let's say that the opening, the TSX gains, I don't know, 200-300 points - it doesn't happen frequently, but it happens. However, when those beautiful events arrived, National Bank Direct Brokerage (NBDB) deprived me of getting any feeling of major satisfaction when an actual "event" happens.

However, I can live with that. But I feel that  National Bank Direct Brokerage (NBDB) is depriving its retail investors of something that is extremely important: self-satisfaction. And for me, it seems like  National Bank Direct Brokerage (NBDB) is not taking their retail investors very seriously. I am not a millionaire, but I am not garbage, and I deserve the same treatment as any millionaire. And so do any retail investors, no matter the number of dollars they have in their account. I don't regret my switch from TD Direct Investing to NBDB because with NBDB, I don't pay any commission fee. I buy and sell stocks for free, which is a huge benefit.

I also received lately some dividend distribution inside my TFSA This past Friday, I invest that money in one share of each of the following companies: Canadian Imperial Bank Of Commerce (CM), The North West Company Inc. (NWC), BCE Inc. (BCE), Enbridge Inc. (ENB), Telus Corp (T), Bank of Nova Scotia (BNS) and Goodfellow Inc. (GDL). Those new investments make it possible for me to push my dividend income to the $12,000 and even exceed it a bit, which is quite nice. It feel like a glass ceiling had been broken.

Several years ago, Enbridge Inc. (ENB) was Derek Foster's stock. Back in the days, we had both Enbridge, and a .UN associated with Enbridge. At one point, I had both ENF.UN and Enbridge Inc. (ENB) in my non-registered portfolio. Eventually, the two entities merged into one, which makes a lot of sense. I never understood why we had Enbridge and an Enbridge .UN fund - the old ticket used to be ENF.UN if I remembered correctly run over the TSX. So we had both ENB and ENF.UN as an investment option when it came to Enbridge. There are actually a lot of things I don't understand about the stock market, but obviously, that doesn't stop me from investing.

Friday, December 2, 2022

It's now super official, I am now a Dividend Queen

Other than the saga that is still going on between Saputo Inc. (SAP) and a short seller freak Spruce Point Capital Management, two days ago, 3 of my major holders in my investment portfolio announced back-to-back dividend increases: Enbridge Inc. (ENB), Royal Bank of Canada (RY) and National Bank of Canada (NA). It was quite amazing to watch.

During that time, my investment portfolio grow by over $3,000, which means that I probably had closed yesterday's trading day with a net worth of over $350,000. Yesterday, my non-registered portfolio closed the session at $148,015.59, my US portfolio at $5,450.68, my RRSP portfolio at $61,754.96, and my TFSA portfolio at $126,457.30.

Yesterday, I was quite happy to learn that both the Canadian Imperial Bank Of Commerce (CM) and Toronto-Dominion Bank (TD) also increased their dividend distribution today! That's quite satisfying news. 

With all those increases, my dividend income coming from my TFSA and non-registered portfolio is now exceeding $10,000 by 40 bucks and my overall dividend income is getting super close to the ao wanted $12,000. I am now only missing exactly an annual $14.34 before seeing that happen. I always taught that earning the equivalent of $1,000 per month in dividends. It's about to happen really soon, it's just that a little part is coming from my RRSP portfolio, money that I cannot really touch in case of need.

Tuesday, November 29, 2022

Saying hello to a $347,000 net worth and a bunch of other things

I got a very quiet Black Friday here in New Brunswick. I wasn't in need of anything in particular so I just skipped it. If I would have been in Montreal, I would probably have done a bit of shopping. A few days ago, I cancel my subscription to Stockopedia. Not that I didn't like it anymore, but the annual subscription and even their monthly subscription don't come cheap. I just didn't feel like I needed to renew it, at least not for now. However, I am not closing the door to Stockopedia. My plan is to subscribe for a month or two later on during the year 2023, when it will make a long time since I didn't consult it. Or whenever I really miss it.

I could afford to keep Stockopedia, especially since I will be receiving very soon a $400 credit coming from the Quebec government, but I prefer to stay on the safe side when it comes to my expenses. Here at home in New Brunswick, a few windows are in great need of changes and I will probably give that $400 to my old folks, to change the very old window that is in my bedroom. We have at least 3 other small windows that are in critical need of a replacement. It makes my old folks laugh when I tell them that I am a Quebecker. Here in New Brunswick, nothing is being given to the population in terms of an "inflation" bonus. I make less than $100,000, but more than $50,000 per year, which qualifies me for the $400, and not the $600 bonus. However, for 2023, I can already say that I won't be earning as much as I did so far in 2022. It's not necessarily a bad thing.

Anyway, despite the fact that I am really happy to receive that extra $400, I feel the Quebec government is not doing the right thing. With that money, they should cover the education cost for young adults who want to become a nurse or doctor, or for whatever profession in the healthcare industry. Giving money to give money is not doing any good to fight inflation. Giving away money for just the heck of it - and that's really what the Quebec government is doing - doesn't serve any social purpose. While having the luxury to hold to so much money like the Quebec government does, it would be nice to see that money working at making things better. A lot can be done, and I am excessively jealous of Quebec society, to have as much as they have. Currently, I feel that New Brunswick is kind of falling apart. The province is dealing with many problems, homelessness in the big cities, lack of care - some people had died at the emergency room in Moncton, lack of apartments available - we have some foreign students who have a really really hard time just finding a place to live etc... None of those problems are brand new, but now, it feels like the problems are hitting the population in a harder way.

The end of the year is coming in a hurry and soon enough, it will be time to invest a bit in my RRSP contribution. Again this year, I did several extra hours at work and the only way not to pay extra in taxes or ease the process is to invest in my RRSP. I already invest in my RRSP at work, but it's only a small amount. I would need to invest I guess another $3,000-$4,000 inside my RRSP to make a positive difference. Now that I have a good amount in my non-registered and TFSA portfolio, I can certainly afford to invest in my RRSP, but I never find RRSP to be very interesting.

I updated my investment portfolio this weekend. I was quite pleased to find out that my net worth is now in the $347,000. The old $360k doesn't appear to be that far anymore. Today wasn't a very good day for the TSX. I was listening to BNN this morning, just to learn that RBC is looking forward to buying HSBC Canada. As result, RBC closed today's session on a little +0.42% gain. It's better than no gain at all. My non-registered portfolio closed today's session at $146,796.70, my US portfolio at $5,341.23, my RRSP stocks-only portfolio at $61,243,21, and my TFSA portfolio at $125,113.04.

Other than RBC, Saputo had to deal with some troublemakers. I hold some Saputo Inc. (SAP) shares in my TFSA portfolio. Recently, I was looking into the holdings of JFT Strategies Fund Class A Units (JFS.UN), as I taught maybe find in there something that will blow my mind, but I just find some really basic boring stuff. Among others, JFS.UN is invested in Telus, Wajax, BCE... and Saputo. You can find a more detailed list right here. Today, because of this, Saputo's value decreased by -5.92%. It's a major drop. But it didn't seem to affect my investment in JFT Strategies Fund Class A Units (JFS.UN), which gain today by +1.195%.

I don't know how things will turn out for Saputo, but that saga between Saputo and Spruce Point Capital Management reminds me of what I went through a little while back between Exchange Income Corporation (EIF) and Exchange Income Corporation (EIF) and Marc Cohodes. In both cases, we are dealing with some American idiots who are looking forward to destroying some valuable Canadian businesses with their short-selling shitty business. This will pass. Just like it did for Marc Cohodes. Do you ever hear of Marc Cohodes these days? The answer to that question is no. 

Sometimes, you have Americans like Cohodes who are short-selling loudly our Canadian businesses, but that's more noise than anything else. People like Marc Cohodes and the other guys are just big on noise, but at the end of the day, the offensive is limitless, just like their brains. Don't be scared of the noise. Next to the TSX, those little guys are worthless.

Sunday, November 27, 2022

My debt situation on date of November 25, 2022

Margin account debt: $46,584.33 @ 7.25%

Annual interest: $3,377.36

On the date November 25, 2022

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

Friday, November 25, 2022

Historic of my Total assets and Net worth values on date of November 25, 2022

2022

Total in assets: $394,205.35/Net worth $347,621.02: November 25, 2022
Total in assets: $383,659.43/Net worth $337,227.95: November 11, 2022
Total in assets: $373,493.10/Net worth $327,061.62: November 4, 2022
Total in assets: $356,147.14/Net worth $309,920.82: October 11, 2022
Total in assets: $396,620.95/Net worth $350,590.82: August 14, 2022
Total in assets: $369,523.83/Net worth $323,815.43: June 24, 2022
Total in assets: $367,287.71/Net worth $321,579.31: June 20, 2022
Total in assets: $364,145.55/Net worth $318,437.15: June 18, 2022
Total in assets: $398,010.84/Net worth $352,164.94: June 2, 2022
Total in assets: $385,843.39/Net worth  May 20, 2022: $340,156.47
Total in assets: $407,547.23/Net worth $361,442.42: April 20, 2022 - My highest net worth value EVER!!!
Total in assets: $405,658.35/Net worth $358,941.11: March 29, 2022
Total in assets: $403,792.28/Net worth $357,075.04: March 25, 2022
Total in assets: $402,081.01/Net worth $355,363.77: March 22, 2022
Total in assets: $400,979.64/Net worth $354,262.40: March 21, 2022 - First time I ever hit on the $400,000 in total assets!
Total in assets: $398,652.13/Net worth $352,071.24: March 18, 2022 - First time I ever hit on the $350,000 in net worth value!
Total in assets: $396,355.91/Net worth $349,713.01: March 10, 2022
Total in assets: $393,037.13/Net worth: $347,573.53: March 4, 2022
Total in assets: $391,766.36/Net worth: $345,622.80: February 9, 2022
Total in assets: $382,726.19/Net worth: $341,862.36: February 2, 2022
Total in assets: $386,320.32/Net worth: $340,128.37: February 1st, 2022

2021
Total in assets: $385,979.66/Net worth: $339,434.39: December 31, 2021
Total in assets: $382,726.19/Net worth: $336,268.16: December 23, 2021
Total in assets: $388,421.37/Net worth: $340,312.77 - FIRST TIME I EVER REACHED A $340,000 NET WORTH!
November 8, 2021
Total in assets: $387,068.51/Net worth: $338,959.91: November 5, 2021
Total in assets: $384,785.92/Net worth: $336,781.52: October 20, 2021
Total in assets: $382,580.80/Net worth: $334,576.40: October 19, 2021
Total in assets: $379,263.95/Net worth: $330,680.17: October 14, 2021

Total in assets: $364,072.52/Net worth: $315,407.64: July 26, 2021
Total in assets: $358,867.59/Net worth: $311,858.22: June 15, 2021
Total in assets: $354,774.64/Net worth: $307,559.30: June 10, 2021
Total in assets: $348,042.77/Net worth: $300,799.45 - FIRST TIME I EVER REACHED 300k in net worth, on May 26, 2021
Total in assets: $346,583.88/Net worth: $298,486.93: May 20, 2021
Total in assets: $349,651.45/Net worth: $298,435.31: May 7, 2021
Total in assets: $347,002.53/Net worth: $297,614.64: April 16, 2021
Total in assets: $338,188.16/Net worth: $287,914.75: March 11, 2021
Total in assets: $333,970.92/Net worth: $283,675.99: March 9, 2021
Total in assets: $328,881.12/Net worth: $279,611.57: February 10, 2021
Total in assets: $326,670.02/Net worth: $278,758.37: February 8, 2021
Total in assets: $324,891.52/Net worth: $276,979.87: February 4, 2021
Total in assets: $322,236.52/Net worth: $274,318.36: February 3, 2021
Total in assets: $327,639.01/Net worth: $274,298.23: January 19, 2021
Total in assets: $316,192.85/Net worth: $268,180.14: January 7, 2021
Total in assets: $313,003.95/Net worth: $264,915.22: January 6, 2021
Total in assets: $310,587.36/Net worth: $262,498.63: January 5, 2021

2020
Total in assets: $310,392.38/Net worth: $259,661.24: December 31, 2020
Total in assets: $307,812.05/Net worth: $259,070.79: December 24, 2020
Total in assets: $306,444.25/Net worth: $258,948.73: December 4, 2020
Total in assets: $304,701.39/Net worth: $257,331.58: November 27, 2020
Total in assets: $300,956.84/Net worth: $253,587.03: November 24, 2020
Total in assets: $298,903.01/Net worth: $251,533.20: November 23, 2020
Total in assets: $296,643.60/Net worth: $249,158.71: November 20, 2020
Total in assets: $294,514.87/Net worth: $247,145.87: November 11, 2020
Total in assets: $291,172.40/Net worth: $243,802.59: November 10, 2020
Total in assets: $287 803.13/Net worth: $240 433.32: November 9, 2020
Total in assets: $277,872.92/Net worth: $226,678.26: August 5, 2020
Total in assets: $276,627.27/Net worth: $227,745.47: June 6, 2020
Total in assets: $263,304.63/Net worth: $211,395.63: April 29, 2020
Total in assets: $241 461,13/Net worth: $194 558,29: March 13, 2020
Total in assets: $282,640.61/Net worth: $235,284.72: February 21, 2020
Total in assets: $304,955.72/Net worth: $257,187.44: February 12, 2020
Total in assets: $296,200.07/Net worth: $250,595: January 16, 2020
Total in assets: $292,715.58/Net worth: $244,970.41: January 9, 2020

2019
Total in assets: $288,237.52/Net worth: $239,582.44: December 31, 2019
Total in assets: $278,823.27/Net worth: $230,902.04: September 17, 2019
Total in assets: $271,896.19/Net worth: 226,137.05: June 24, 2019
Total in assets: $269 950.21/Net worth: $222 942.87: April 5, 2019
Total in assets: $251 634.94/Net worth: $206 278.84: January 18, 2019
Total in assets: $238 656.07/Net worth: $191 009.83: January 4, 2019

2018
Total in assets: $270 679.86/Net worth: $204 306.57: November 16, 2018
Total in assets: $332 750.88/Net worth: $232 609.15: August 3, 2018
Total in assets: $331 413.83/Net worth: $232 280.40: June 20, 2018
Total in assets: $326 085.75/Net worth: $226 801.92: June 3, 2018
Total in assets: $322 479.23/Net worth: $222 850.15: May 4, 2018
Total in assets: $319 644.86/Net worth: $217 246.23: March 16, 2018

2017
Total in assets: $318 544.64/Net worth: $221 989.65: December 29, 2017
Net worth on the date of November 17, 2017: $211 430.89
Net worth on the date of October 27, 2017: $212 633.39
Net worth on the date of September 29, 2017: $206 352.49
Net worth on the date of April 24, 2017: $204 277.66
Net worth on the date of March 31, 2017: $200 325.69
Net worth on the date of March 29, 2017: $198 299.73
Net worth on the date of March 18, 2017: $193 969.21

2016
Net worth on the date of December 30, 2016: $184 074.35

Net worth after debt on the date of January 1, 2014:
$101 172.99 (yes, finally, IN NET WORTH!).

On the date of February 16, 2011, the TMX hit the 14 000+ points, and I had exceeded the 150k in assets! (Not net worth yet).

On September 9, 2010, I reached $100,000 in assets! (not in net worth yet).

On the date of August 5, 2009, I reached my investment goal: I reached $50 000 worth of assets! (NOW, net worth).

On the date of December 5, 2009, I had exceeded the $60 000 in assets! (not in net worth yet). 

My investment portfolio on date of November 25, 2022

Cold cash: $9,428.13

Stocks and Units investment portfolio $CAN 

Bank of Nova Scotia (BNS)
Methanex Corporation (MX)
Fortis Inc. (FTS)
Pembina Pipeline Corporation (PPL)
iShares S&P/TSX Capped REIT Index (XRE)
New Flyer Industries Inc. (NFI)
TMX Group Inc. (X)
K-Bro Linen Inc. (KBL)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Enbridge Inc. (ENB)
Emera Inc. (EMA)
Loblaw Companies (L)
Savaria Corporation (SIS)
WSP Global Inc. (WSP)
George Weston Limited (WN)
Power Corporation of Canada Subordinate Voting Shares (POW)
BCE Inc. (BCE)
Canadian Imperial Bank Of Commerce (CM)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
TOTAL: $147,025.26

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B)
General Mills Inc. (GIS)
Vanguard Russell 1000 Growth Index Fund (VONG)
Pfizer Inc. (PFE) 
TOTAL: $5,364.87 US: $7,189.73 CAN
 
Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Exchange Income Corporation (EIF)
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 Services Inc. (BYD)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Data Communications Mgmt (DCM)
Royal Bank of Canada (RY)
Park Lawn Corporation (PLC)
Toromont Industries Ltd (TIH)
BCE Inc. (BCE)
Boralex Inc. Class A Shares (BLX)
Savaria Corporation (SIS)
Northland Power Inc. (NPI)
Calian Group Ltd. (CGY)
Canadian Utilities Limited (CU)
WSP Global Inc. (WSP)
Granite Real Estate Investment Trust (GRT.UN)
Cargojet Inc. (CJT)
Nutrien Ltd. (NTR)
TFI International Inc. (TFII)
Canadian Imperial Bank Of Commerce (CM)
SIR Royalty Income Fund (SRV.UN)
ATCO Ltd. (ACO.Y)
Aecon Group Inc. (ARE)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
Metro Inc. (MRU)
Alimentation Couche-Tard Inc. (ATD.A)
Fortis Inc. (FTS)
CGI Inc. (GIB.A)
TMX Group Limited (X)
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Suncor Energy Inc. (SU)
Rogers Communications Inc. (RCI.B)
Telus Corp (T)
JFT Strategies Fund Class A Units (JFS.UN)
Bitcoin Fund The Class A units (QBTC)
Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)
3iQ CoinShares Ether ETF (ETHQ)
Tilray Inc (TLRY)
North West Company Inc. (The) (NWC)
Bank of Nova Scotia (BNS)
National Bank of Canada (NA)
Stelco Holdings Inc. (STLC)
Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)
Saputo Inc. (SAP)
Labrador Iron Ore Royalty Corporation (LIF)
Intertape Polymer Group Inc. (ITP)
Parex Resources Inc. (PXT)
Wescan Energy Corp. (WCE)
Verde Agritech Plc Ordinary Shares (NPK)
Wajax Corporation (WJX)
Whitecap Resources Inc. (WCP)
Goodfellow Inc. (GDL)
Algonquin Power & Utilities Corp. (AQN)
TOTAL: $125,913.02

RSP investment portfolio: 
Emera Incorporated (EMA)
Ovintiv Inc. (OVV)
Toronto-Dominion Bank (TD)
Telus Corp (T)
Royal Bank of Canada (RY)
Savaria Corporation (SIS)
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)
Boralex Inc. Class A Shares (BLX)
Quebecor Inc. (QBR.B)
Logistec Corporation Class B Subordinate Voting Shares (LGT.B)
Brookfield Renewable Partners L.P. (BEP.UN)
Leon's Furniture Limited (LNF)
Bank of Nova Scotia (BNS)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Cascades Inc. (CAS)
JFT Strategies Fund Class A Units (JFS.UN)
AirBoss of America Corp. (BOS)
Suncor Energy Inc. (SU)
Pender Growth Fund Inc. (PTF)
Rogers Communications Inc. Class B Non-voting Shares (RCI.B)
ATS Automation Tooling Systems Inc. (ATA)
Algoma Central Corporation (ALC)
Finning International Inc. (FTT)
Guardian Capital Group Limited (GCG)
Information Services Corporation Class A Limited Voting Shares (ISV)
Interfor Corporation (IFP)
Maple Leaf Foods Inc. (MFI)
National Bank of Canada (NA)
Nutrien Ltd. (NTR)
Open Text Corporation (OTEX)
Taiga Building Products Ltd. (TBL)
Vitreous Glass Inc. (VCI)
Power Corporation of Canada Subordinate Voting Shares (POW)
North West Company Inc. (The) (NWC)
Whitecap Resources Inc. (WCP)
Parex Resources Inc. (PXT)
North West Company Inc. (The) (NWC)
Wajax Corporation (WJX)
Canadian Imperial Bank Of Commerce (CM)
Total: $62,009.83

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,374.89

Others: $1,159.90

NBI Income Fund: $1,232.14

Manulife Fidelity NorthStar GIF CAP
Manulife Simplicity Growth Portfolio 
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
Manulife GIF MLIA B World Invest
Total: $8,108.03

Other various: $28,714.95

TOTAL: $104,599.74

Social Capital at Desjardins Membership share: $35
Online money: $14.47
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
TOTAL: $394,205.35
On the date November 25, 2022

Tuesday, November 15, 2022

Saying hello to a $337,227.95 net worth

It didn't last for very long, but for a few days at least, it was really nice to have the TSX back in the 20,000 points. I couldn't certainly miss this opportunity to shine, so like usual, whenever the TSX goes up, I did update - again - a few days ago, my investment portfolio page. This was to find out that I am now on a net worth of $337,227.95. Back at the beginning of February of this year, I was on a $340,000 net worth. In a way, I am kind of starting the year all over again. I like this no matter what, at least we are taking a few steps forward. I will be able to see back my old highest value ever - which was in the $360,000 back in April of this year.

It's now official, my dividend income is now in the $830, for my non-registered and TFSA portfolios part. If I include the dividend earned inside my RRSP, I am getting really super close to a dividend income the equivalent of $1,000 per month. I think I will be there shortly, probably even in just a few months if I don't invest in anything new.

Yesterday, we received our first snow and unfortunately, it's staying on. The weather is just too cold now. This is winter. Yesterday morning, the view was quite romantic and very pretty. If you don't know this view by now, it's because you are not a regular reader of my beautiful blog and that's a total shame:




I had been working very hard these past couple of weeks to restrict my spending. It's quite a lot easier to do so here in New Brunswick because where I live, I have almost nothing in proximity. It's a lot easier to save money here, however, I find the grocery cost is a lot more expensive here than in Montreal, especially for vegetables, oranges, clementines... Lately, I had been craving for turkey. Is there any better mix than cranberries and turkey? My favorite turkey is Butterball. I was shopping for groceries with my old folks and I was quite shocked at the price of one turkey.


One Flamingo turkey is being priced $45! Guess what, I didn't see anyone buying turkey while I was there... I haven't been able to satisfy my turkey craving. I could pay $45 for a turkey, but I won't. It's against my principle. Nobody is buying those turkeys, at a point, they'll need to reduce the price to clear some off their shelves. I am waiting :-)





Sunday, November 13, 2022

Historic of my Total assets and Net worth values on date of November 11, 2022

 2022

Total in assets: $$383,659.43/Net worth $337,227.95: November 11, 2022
Total in assets: $373,493.10/Net worth $327,061.62: November 4, 2022
Total in assets: $356,147.14/Net worth $309,920.82: October 11, 2022
Total in assets: $396,620.95/Net worth $350,590.82: August 14, 2022
Total in assets: $369,523.83/Net worth $323,815.43: June 24, 2022
Total in assets: $367,287.71/Net worth $321,579.31: June 20, 2022
Total in assets: $364,145.55/Net worth $318,437.15: June 18, 2022
Total in assets: $398,010.84/Net worth $352,164.94: June 2, 2022
Total in assets: $385,843.39/Net worth  May 20, 2022: $340,156.47
Total in assets: $407,547.23/Net worth $361,442.42: April 20, 2022 - My highest net worth value EVER!!!
Total in assets: $405,658.35/Net worth $358,941.11: March 29, 2022
Total in assets: $403,792.28/Net worth $357,075.04: March 25, 2022
Total in assets: $402,081.01/Net worth $355,363.77: March 22, 2022
Total in assets: $400,979.64/Net worth $354,262.40: March 21, 2022 - First time I ever hit on the $400,000 in total assets!
Total in assets: $398,652.13/Net worth $352,071.24: March 18, 2022 - First time I ever hit on the $350,000 in net worth value!
Total in assets: $396,355.91/Net worth $349,713.01: March 10, 2022
Total in assets: $393,037.13/Net worth: $347,573.53: March 4, 2022
Total in assets: $391,766.36/Net worth: $345,622.80: February 9, 2022
Total in assets: $382,726.19/Net worth: $341,862.36: February 2, 2022
Total in assets: $386,320.32/Net worth: $340,128.37: February 1st, 2022

2021
Total in assets: $385,979.66/Net worth: $339,434.39: December 31, 2021
Total in assets: $382,726.19/Net worth: $336,268.16: December 23, 2021
Total in assets: $388,421.37/Net worth: $340,312.77 - FIRST TIME I EVER REACHED A $340,000 NET WORTH!
November 8, 2021
Total in assets: $387,068.51/Net worth: $338,959.91: November 5, 2021
Total in assets: $384,785.92/Net worth: $336,781.52: October 20, 2021
Total in assets: $382,580.80/Net worth: $334,576.40: October 19, 2021
Total in assets: $379,263.95/Net worth: $330,680.17: October 14, 2021

Total in assets: $364,072.52/Net worth: $315,407.64: July 26, 2021
Total in assets: $358,867.59/Net worth: $311,858.22: June 15, 2021
Total in assets: $354,774.64/Net worth: $307,559.30: June 10, 2021
Total in assets: $348,042.77/Net worth: $300,799.45 - FIRST TIME I EVER REACHED 300k in net worth, on May 26, 2021
Total in assets: $346,583.88/Net worth: $298,486.93: May 20, 2021
Total in assets: $349,651.45/Net worth: $298,435.31: May 7, 2021
Total in assets: $347,002.53/Net worth: $297,614.64: April 16, 2021
Total in assets: $338,188.16/Net worth: $287,914.75: March 11, 2021
Total in assets: $333,970.92/Net worth: $283,675.99: March 9, 2021
Total in assets: $328,881.12/Net worth: $279,611.57: February 10, 2021
Total in assets: $326,670.02/Net worth: $278,758.37: February 8, 2021
Total in assets: $324,891.52/Net worth: $276,979.87: February 4, 2021
Total in assets: $322,236.52/Net worth: $274,318.36: February 3, 2021
Total in assets: $327,639.01/Net worth: $274,298.23: January 19, 2021
Total in assets: $316,192.85/Net worth: $268,180.14: January 7, 2021
Total in assets: $313,003.95/Net worth: $264,915.22: January 6, 2021
Total in assets: $310,587.36/Net worth: $262,498.63: January 5, 2021

2020
Total in assets: $310,392.38/Net worth: $259,661.24: December 31, 2020
Total in assets: $307,812.05/Net worth: $259,070.79: December 24, 2020
Total in assets: $306,444.25/Net worth: $258,948.73: December 4, 2020
Total in assets: $304,701.39/Net worth: $257,331.58: November 27, 2020
Total in assets: $300,956.84/Net worth: $253,587.03: November 24, 2020
Total in assets: $298,903.01/Net worth: $251,533.20: November 23, 2020
Total in assets: $296,643.60/Net worth: $249,158.71: November 20, 2020
Total in assets: $294,514.87/Net worth: $247,145.87: November 11, 2020
Total in assets: $291,172.40/Net worth: $243,802.59: November 10, 2020
Total in assets: $287 803.13/Net worth: $240 433.32: November 9, 2020
Total in assets: $277,872.92/Net worth: $226,678.26: August 5, 2020
Total in assets: $276,627.27/Net worth: $227,745.47: June 6, 2020
Total in assets: $263,304.63/Net worth: $211,395.63: April 29, 2020
Total in assets: $241 461,13/Net worth: $194 558,29: March 13, 2020
Total in assets: $282,640.61/Net worth: $235,284.72: February 21, 2020
Total in assets: $304,955.72/Net worth: $257,187.44: February 12, 2020
Total in assets: $296,200.07/Net worth: $250,595: January 16, 2020
Total in assets: $292,715.58/Net worth: $244,970.41: January 9, 2020

2019
Total in assets: $288,237.52/Net worth: $239,582.44: December 31, 2019
Total in assets: $278,823.27/Net worth: $230,902.04: September 17, 2019
Total in assets: $271,896.19/Net worth: 226,137.05: June 24, 2019
Total in assets: $269 950.21/Net worth: $222 942.87: April 5, 2019
Total in assets: $251 634.94/Net worth: $206 278.84: January 18, 2019
Total in assets: $238 656.07/Net worth: $191 009.83: January 4, 2019

2018
Total in assets: $270 679.86/Net worth: $204 306.57: November 16, 2018
Total in assets: $332 750.88/Net worth: $232 609.15: August 3, 2018
Total in assets: $331 413.83/Net worth: $232 280.40: June 20, 2018
Total in assets: $326 085.75/Net worth: $226 801.92: June 3, 2018
Total in assets: $322 479.23/Net worth: $222 850.15: May 4, 2018
Total in assets: $319 644.86/Net worth: $217 246.23: March 16, 2018

2017
Total in assets: $318 544.64/Net worth: $221 989.65: December 29, 2017
Net worth on the date of November 17, 2017: $211 430.89
Net worth on the date of October 27, 2017: $212 633.39
Net worth on the date of September 29, 2017: $206 352.49
Net worth on the date of April 24, 2017: $204 277.66
Net worth on the date of March 31, 2017: $200 325.69
Net worth on the date of March 29, 2017: $198 299.73
Net worth on the date of March 18, 2017: $193 969.21

2016
Net worth on the date of December 30, 2016: $184 074.35

Net worth after debt on the date of January 1, 2014:
$101 172.99 (yes, finally, IN NET WORTH!).

On the date of February 16, 2011, the TMX hit the 14 000+ points, and I had exceeded the 150k in assets! (Not net worth yet).

On September 9, 2010, I reached $100,000 in assets! (not in net worth yet).

On the date of August 5, 2009, I reached my investment goal: I reached $50 000 worth of assets! (NOW, net worth).

On the date of December 5, 2009, I had exceeded the $60 000 in assets! (not in net worth yet). 

Saturday, November 12, 2022

My investment portfolio on date of November 11, 2022

Cold cash: $8,475

Stocks and Units investment portfolio $CAN 

Bank of Nova Scotia (BNS)
Methanex Corporation (MX)
Fortis Inc. (FTS)
Pembina Pipeline Corporation (PPL)
iShares S&P/TSX Capped REIT Index (XRE)
New Flyer Industries Inc. (NFI)
TMX Group Inc. (X)
K-Bro Linen Inc. (KBL)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Enbridge Inc. (ENB)
Emera Inc. (EMA)
Loblaw Companies (L)
Savaria Corporation (SIS)
WSP Global Inc. (WSP)
George Weston Limited (WN)
Power Corporation of Canada Subordinate Voting Shares (POW)
BCE Inc. (BCE)
Canadian Imperial Bank Of Commerce (CM)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
TOTAL: $143,409.06

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B)
General Mills Inc. (GIS)
Vanguard Russell 1000 Growth Index Fund (VONG)
Pfizer Inc. (PFE) 
TOTAL: $6,431.33
 
Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Exchange Income Corporation (EIF)
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 Services Inc. (BYD)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Data Communications Mgmt (DCM)
Royal Bank of Canada (RY)
Park Lawn Corporation (PLC)
Toromont Industries Ltd (TIH)
BCE Inc. (BCE)
Boralex Inc. Class A Shares (BLX)
Savaria Corporation (SIS)
Northland Power Inc. (NPI)
Calian Group Ltd. (CGY)
Canadian Utilities Limited (CU)
WSP Global Inc. (WSP)
Granite Real Estate Investment Trust (GRT.UN)
Cargojet Inc. (CJT)
Nutrien Ltd. (NTR)
TFI International Inc. (TFII)
Canadian Imperial Bank Of Commerce (CM)
SIR Royalty Income Fund (SRV.UN)
ATCO Ltd. (ACO.Y)
Aecon Group Inc. (ARE)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
Metro Inc. (MRU)
Alimentation Couche-Tard Inc. (ATD.A)
Fortis Inc. (FTS)
CGI Inc. (GIB.A)
TMX Group Limited (X)
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Suncor Energy Inc. (SU)
Rogers Communications Inc. (RCI.B)
Telus Corp (T)
JFT Strategies Fund Class A Units (JFS.UN)
Bitcoin Fund The Class A units (QBTC)
Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)
3iQ CoinShares Ether ETF (ETHQ)
Tilray Inc (TLRY)
North West Company Inc. (The) (NWC)
Bank of Nova Scotia (BNS)
National Bank of Canada (NA)
Stelco Holdings Inc. (STLC)
Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)
Saputo Inc. (SAP)
Labrador Iron Ore Royalty Corporation (LIF)
Intertape Polymer Group Inc. (ITP)
Parex Resources Inc. (PXT)
Wescan Energy Corp. (WCE)
Verde Agritech Plc Ordinary Shares (NPK)
Wajax Corporation (WJX)
Whitecap Resources Inc. (WCP)
Goodfellow Inc. (GDL)
Algonquin Power & Utilities Corp. (AQN)
TOTAL: $123,347.04

RSP investment portfolio: 
Emera Incorporated (EMA)
Ovintiv Inc. (OVV)
Toronto-Dominion Bank (TD)
Telus Corp (T)
Royal Bank of Canada (RY)
Savaria Corporation (SIS)
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)
Boralex Inc. Class A Shares (BLX)
Quebecor Inc. (QBR.B)
Logistec Corporation Class B Subordinate Voting Shares (LGT.B)
Brookfield Renewable Partners L.P. (BEP.UN)
Leon's Furniture Limited (LNF)
Bank of Nova Scotia (BNS)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Cascades Inc. (CAS)
JFT Strategies Fund Class A Units (JFS.UN)
AirBoss of America Corp. (BOS)
Suncor Energy Inc. (SU)
Pender Growth Fund Inc. (PTF)
Rogers Communications Inc. Class B Non-voting Shares (RCI.B)
ATS Automation Tooling Systems Inc. (ATA)
Algoma Central Corporation (ALC)
Finning International Inc. (FTT)
Guardian Capital Group Limited (GCG)
Information Services Corporation Class A Limited Voting Shares (ISV)
Interfor Corporation (IFP)
Maple Leaf Foods Inc. (MFI)
National Bank of Canada (NA)
Nutrien Ltd. (NTR)
Open Text Corporation (OTEX)
Taiga Building Products Ltd. (TBL)
Vitreous Glass Inc. (VCI)
Power Corporation of Canada Subordinate Voting Shares (POW)
North West Company Inc. (The) (NWC)
Whitecap Resources Inc. (WCP)
Parex Resources Inc. (PXT)
North West Company Inc. (The) (NWC)
Wajax Corporation (WJX)
Canadian Imperial Bank Of Commerce (CM)
Total: $60,615.53  

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,329.52

Others: $1,159.90

NBI Income Fund: $1,184.38

Manulife Fidelity NorthStar GIF CAP
Manulife Simplicity Growth Portfolio 
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
Manulife GIF MLIA B World Invest
Total: $7 654,09

Other various: $28,008.41

TOTAL: $101,951.83

Social Capital at Desjardins Membership share: $35
Online money: $10.17
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
TOTAL: $383,659.43
On the date November 11, 2022

Monday, November 7, 2022

Welcoming a net worth of $327,061.62 to begin the month of November











So far, we are having a really nice autumn season in New Brunswick.

The TSX closed the month of October on a high note. I was quite curious to find where I was standing with everything so I figure it was a good time to update my investment portfolio. My net worth closed this past Friday's session at $327,061.62. The first time I ever reached a 327k net worth must have been sometime in September 2021. 

Today, the TSX closed the day on a high note, leaving me with an increase of over $1,000 for my stock portfolios. My non-registered portfolio closed today's session at $140,961.96, my US portfolio at $5,020.17, my RRSP stocks-only portfolio at $57,995.15, and my TFSA portfolio at $120,766.94. I think my non-registered portfolio has everything it needs to move into the $150,000. We are now missing less than 500 points before hitting back the old 20,000 points. Everything is possible.

I am now missing $34,380.80 before getting back to my highest net worth value, which used to be exactly $361,442.42 back in April 2022. Lately, many stocks I own came with some good financial news. Telus Corporation (T) came with very strong financial results and on top of that good news, Telus increased their dividend distribution. Cargojet Inc. (CJT) also came with good results. Savaria Corporation (SIS) had surpassed $200M in revenue for the first time. CNR also had good news. Some of my stocks will be reporting their quarterly results on November 9. Thanks to Telus, The equivalent of what can be considered my monthly dividend income coming from my non-registered and TFSA portfolios is just a penny shy away from $830.

I have a few dollars at my disposal to make a little investment in my US, TFSA, and RRSP portfolios. I haven't figured out what to invest in yet. For now, I am just looking forward to increase the amount I currently have in savings. I am working hard to control my spending, but it's quite easier here than in Montreal. My only major expense is gas, when we go hunting. But that expense alone can be quite costly. I have $52 left to cover my extras for this week, which may go directly into gas... I am working on a tight budget, but I always have room to go over if needed.

Otherwise, life is pretty easy here in New Brunswick.

 

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