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Tuesday, October 25, 2022

Yeah baby, the TSX is back in the 19,000 points

Finally, the TSX closed within 19,000 points today. It was about time. It's kind of weird timing considering that tomorrow, the Bank of Canada will probably again increase its rate - again. It's quite unfortunate and pretty much unfair for all people out there who have mortgages. They are the ones who are paying a high price for the lack of leadership of the Trudeau government. Pure incompetent leaders who are driving mortgage owners' debt straight on their knees. When you think about it for a sec, it's quite disturbing to think that the only way to beat down inflation is to increase interest rates. It barely makes any sense. 

I don't have a margin debt, but I have a margin account. That debt is under control. The best thing about it is that I can declare the interest earn on my margin account debt every fiscal year as a financial expense. No one can do that with a mortgage. Tomorrow, just like any mortgage holder, I will face an increase in the interest rate of my margin.  

Under the good vibe influence of the TSX now in the 19,000 points, my non-registered portfolio closed today's session at $136,044.82, my RRSP stocks-only portfolio at $58,313.39, my US portfolio at $4,970.69, and my TFSA at $118,862.72. With my annual dividend income exceeding now the $11,800, I am just in a good position to face tomorrow's Bank of Canada increase quite gracefully - until some of my stocks decided to decrease their dividend distribution. It might happen for some of my stocks, like NFI for example, but I don't worry much.

Lately, BNN had covered one stock that I had been holding on in my non-registered portfolio for a really long time: New Flyer Industries Inc. (NFI). New Flyer has a really strong management team and they know exactly what needs to be done while facing a downturn. It's not the first storm that is facing New Flyer Industries Inc. (NFI) and this one is not more or less different than last time. The cause of the chaos is always a bit different, but it doesn't change the way things are being handled at their end. New Flyer Industries Inc. (NFI) remain one of my favorite stock no matter what and I am very proud to have them in my non-registered portfolio.

Friday, October 21, 2022

Welcome in my TFSA portfolio Algonquin Power & Utilities Corp (AQN)!

Today was my last day of vacation, but I will remain in New Brunswick for the next couple of months. I really really like the idea of not having to travel during wintertime. For years, I had been freezing on the bus in the cold weather just to spend Christmas in New Brunswick. Those times are now over since I can basically work from everywhere and we now have the Internet at home. There are some renovations that will be done to my apartment in Montreal while I am away. The kitchen and hallway floors are in need of replacement, as well as the countertop. Sincerely, those things should have been fixed years ago, before I got into the apartment. 

Anyway, in order to wrap up my vacation gracefully, the TSX decided to close this week's session on 18,860.95 points. We are getting closer to the old 19,000 points, which is better for the soul (and the investment portfolios of course). My non-registered portfolio closed today's session at $135,726.37, my US portfolio at $4,874.11, my RRSP stocks-only portfolio at $57,747.41 and my TFSA portfolio at $116,408.04. My numbers are not the strongest but under those conditions, while dealing with a TSX that is still under 19,000 points, I am not doing too bad.

Recently, CIBC nominates former Finance Minister Bill Morneau to be part of its board of directors. I am not very impressed. How comes CIBC decided to add to its team an individual who had violated Canada's Conflict of Interest Act? For me, Bill Morneau is a criminal. I don't understand this nomination. Personally, I own some CIBC mutual funds inside my RRSP. I also own some Canadian Imperial Bank stocks. I am not over-exposed to CIBC.

In his latest newsletter, Derek Foster talked about investing in BNS, as well as Algonquin Power & Utilities Corp (AQN). I already own BNS in my portfolio, it's actually one of my major holders inside my non-registered portfolio. However, it's a completely different story when it comes to me and AQN. I don't own any of Algonquin Power & Utilities Corp (AQN). AQN never had been from my portfolio, but it is now! I invested a small amount in some AQN shares today with some leftovers coming from dividend distribution. I also place a mini investment for my RRSP portfolio in CM, and I add an extra share of BCE. 

Inside my non-registered portfolio, my investment in BCE Inc. (BCE) is ready to be set up as a DRIP, which I am planning to ask my broker National Bank Direct Brokerage to do. Recently, I open a banking account with National Bank. I did so in order to be able to transfer funds more easily to my margin account debt in case of need, without having to wait 24, 48, or 72 business hours... I tried to set myself up for Interac transfers, but since National Bank didn't send me a debit card, I cannot set myself up. So I need to call National Bank... super annoying. I have never really been very much interested in being a client at National Bank but I am just doing this as a safety measure, to make sure I can easily add funds to my margin account debt.

Monday, October 17, 2022

My annual dividend income is getting closer to the $12,000

I enjoyed another day in the woods in New Brunswick. Here are my latest pictures:





The TSX close today's session with 18,621.02 points. My stocks portfolio gained over $5,000, which is all more than welcome. My net worth is currently probably within the $315,000. 

I had been updating my dividend Excel sheet and I found out that both Fortis Inc. (FTS) and Emera Incorporated (EMA) had increased their dividend distribution. Regarding Fortis, the dividend increase had been announced a little while ago, back at the end of September. Regarding EMA, the dividend increases haven't been announced yet but they will probably be announced more clearly on November 11, when Emera will discuss its Q3 results. Our economy will eventually show up signs of recession, but they're nothing to worry too much about, especially since great companies like Fortis Inc. (FTS), Emera Incorporated (EMA), and not to forget North West Company Inc. (NWC), who announced a dividend increased in the first week of September.

My overall annual dividend income is now exceeding $11,800. With the dividend income coming from my non-registered and TFSA portfolios, I now earn enough to cover my monthly rent, my cell phone, Internet, and cable bills. It's quite a huge deal for me. For the next couple of months, I don't expect to do any extravagant investment moves. 

Since I did so much overtime at work, I made a lot of money, but if I don't invest a couple thousand for my RRSP by the end of Match 2023, I will probably have a bit to pay back in terms of income taxes. I have never been a huge fan of RRSP because I feel we should be able to do whatever we want with our money. Stocking money away for retirement, without having the possibility to benefit from it in any way before turning old and gray is not my view of what is financial freedom in my opinion. However, now that my net worth is more sustainable, I don't have many excuses for not investing a few thousand in my RRSP portfolio. No excuse at all. 

The fact that I am planning to spend the next couple of months in New Brunswick is very helpful because I have no temptation to spend much money here since there's just no coffee shop or anything close by where I live. I can survive such conditions for a couple of months without any problem. And by the time I hit back Montreal, I will have successfully saved a couple of thousands of dollars. Let's hope so.

Wednesday, October 12, 2022

Welcome in my non-registered portfolio Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)!

Experiencing a downturn is never pleasant, but if I can remain on a $300,000 net worth while dealing with the slide, I will be very grateful. By any chance, if I can remain on that $300,000, just imagine how much my investment portfolio will actually be worth once the TSX finally regained all those valuable points... That's what drives me and what I am looking forward to.

I came back from hunting quite early today and while returning home, I just had one idea in mind: I wanted to invest in some BAM.A stocks and so did I. Those were the pictures for today:

(We got one...) :-)













While watching the TSX being in the 18,000 points, I decided it was time to happily jump on some precious Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A). It seems to me like I didn't invest in anything in quite some time. I did my move today. This time, I invested in some BAM.A shares for my non-registered portfolio. Brookfield Asset Management Inc. is not a stranger. I already had some Brookfield Asset Management stocks inside my TFSA portfolio. Despite the current downturn, my BAM.A shares are on a gain of +21.37% in my TFSA portfolio. I hope for this type of return - and even greater - for my newest BAM.A shares that I bought today for my non-registered investment portfolio.

I still have plenty of contribution room inside my TFSA, but since I have a margin debt, I prefer to add stocks to my non-registered account to make it stronger rather than taking the privilege of my tax-free account situation. This is a complete shame, I agree, but I totally assume. I prefer to add to my non-registered portfolio for now. Also today, I invested in a few shares of Goodfellow Inc. (GDL), BCE Inc. (BCE), and Fortis Inc. (FTS) for my TFSA investment portfolio. I used the money earned from my dividend and I reinvested in a few of those stocks. I had a few dollars coming from my dividend distribution available in my RRSP portfolio. For my RRSP, I invested in a few shares of Brookfield Renewable Partners L.P. (BEP.UN).

I invested in some BEP.UN shares because today, Brookfield Renewable Partners caught my attention by making a major announcement. It's quite interesting development for BEP.UN. I heard Amber Kanwar talking about it during BNN's The Open. I actually listen to today's show this afternoon.

No one can know if the TSX had reached its lowest level yet. Maybe not, since a recession had been announced for the early months of 2023. However, since it's a recession that has been "announced" on several multiple occasions over the past couple of months, the markets may not turn out too ugly once it will finally happens... While waiting for the better or worst, I think it is worth it to invest from time to time, whenever you can, in high-quality stocks like Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A). During this downturn, I invested before in BCE and a bit in BNS, among others. While searching for stocks to invest in, it's quite easy to exclusively invest in high dividend yield stocks in the banking, and telecom sectors. By investing in BAM.A today, that was my move in an effort to remain diversified.

With my newest investments, my non-registered portfolio closed today's session at $130,390.69, my US portfolio at $4,730.79 US, my RRSP stocks-only portfolio at $57,398.11, and my TFSA portfolio at $114,573.18. My overall annual dividend income is getting closer to the $12,000.

Tuesday, October 11, 2022

My net worth is now at $309,920.82

I hope you all had a nice Thanksgiving. I had arrived this past Saturday in New Brunswick. I had been spending my first few days here in the woods (like usual).























This year again, I will probably be spending the whole winter in the Maritimes. I like the idea of not having to travel at all during the winter. I wanted to update my investment portfolio, not because I am going very well these days, but I wanted to get an overview of where my numbers are right now. My net worth is currently at $309,920.82. I remain in the $300k digits, at least for now. 

My margin account debt is now at $46,226.32. With National Bank Direct Brokerage, the interest rate on a margin account is now on a big 6.75%, no matter the amount. Before interest rates began to rise under the influence of the Bank of Canada, the interest rate on a margin debt of  a amount of $100,000 or more was less than for an amount of $10,000–$99,999. However, its no longer the case. Currently, the interest rate for a Canadian margin debt at National Bank Direct Brokerage is at a mega big 6.75%. I declare the interest I gain on my margin as financially fees every fiscal year, so it doesn't bother me much.

In her latest review, Susan Brunner review my North West Company (NWC). In my opinion its a positive review. I always like NWC. The TSX close today session on 18,216.68 points. Its a hard place to be, but since I am still in the $300,000 net worth, things are not too heavy on my shoulders. I am on vacation, I am not willing to take on any shit.

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

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 October 11, 2022

Cold cash: $8,122.01

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)
TOTAL: $130,176.84 

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: $4,758.18 US: $6,458.75 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)
TOTAL: $114 323,19

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)
Total: $57,979.18

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,377.99

Others: $1,159.90

NBI Income Fund: $1,193.68

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: $7,546.71

Other various: $25,679.10

TOTAL: $96,936.56

Social Capital at Desjardins Membership share: $35
Online money: $5.79
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
TOTAL: $356,147.14
On the date October 11, 2022

My debt situation on date of October 11, 2022

Margin account debt: $46,226.32 @ 6.75%

Annual interest: $3,120.28

On the date October 11, 2022

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

 

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