More dividend candy coming from Fortis Inc. (FTS) for ME

It's really unfortunate. Sometimes, the magic happen, sometime not. I haven't been able to find any extraordinary stocks on Stockopedia from the search I conduct this past weekend. Actually, Id id find some stuf, but not exactly pow-wow. Yesterday, I was really getting ready to sell General Mills Inc. (GIS), but the little bastard started going on so.. I don't kill a stock that desperately want to live in my portfolio.

Today, Fortis Inc. (FTS) announced an interesting dividend increase. FTS had been in my non-registered portfolio for a real long time now. Thank for you the free cash Fortis Inc.! Let's go! On that happy note, the TSX closed today session at a good 16,522.65 points.

My thing with the overall chart: how I search for stocks on Stockopedia - Part 1

The TSX didn't close the week on a positive gain, but I was pleased to see hitting on the 16 500 points. It's looking like we could be in the old 16 600 points value soon enough, but the problem I am having with the stock market right now is its lack of stability. Those 16,535.33‬ points don't mean anything if it's to see the TSX going down to 16 000 points - again - , or even worst, going under the 16 000 points. As you know, I have a little US portfolio, in which I only have two stocks: Berkshire Hathaway Inc. (BRK.B) and General Mills Inc. (GIS).

I had been checking some healthier option as cereal. I usually eat oatmeal for breakfast. I usually bring to work 2 meals: one for lunch, and one that I eat before leaving work so I can go to the gym without feeling hungry. In the evening, I like to have a little bowl of cereal. These days I am dieting and I almost go to the gym every day (I don't know if that motivation will be around for really long), for at least 35 minutes, at the exception of Sunday, the gym is closed. While looking at cereal options, I couldn't help it but I find that many kinds of cereal that may seem like healthy at first hold too much sugar. And many of those cereal brands are coming from General Mills Inc. (GIS). I am really tired of seeing those big companies like GID who are giant in the food industry poisoning us. I decided it was time for me to say goodbye to General Mills Inc. (GIS), just like I did when it comes to Lassonde Industries Inc. (LAS.A) a couple of weeks ago. I am really glad that I got rid of LAS.A, before ever since I sold that stock form my non-registered portfolio, LAS.A had kept losing value. Lassonde Industries In.a (LAS.A) is another example of a leader in the food industry who's poisoning us. A lot of their so call juice contains so much sugar, it's a crime.

Really shortly, I will be searching for a a new US stock to invest in Stockopedia. But for now, I had spent a big part of my Sunday afternoon on Stockopedia. I had came along with 5 pages of stock. This is now I like to find stocks onSstockopedia.

I go through all Guru screens, beginning by of course their highest 3 year return. I go through all the stocks that appear in those sreens. I go on every single one of them and I have a quick look at the last 5 years chart. If the 5 years chart is all the way up, I write it down. I try to go through as much as Stockopedia screens that I can. Today, I went on many on them and I gave me a list of 5 pages. Maybe the same stock is appeaing two times in this list, this is just a first bid draft if I can say. All of those stocks are trading on the TSX. I am just displaying their ticket at this time:

IIP.UN
KMP.UN
PEO
BLDP
TCS
CWEB
CAL
BAD
MG
MRE
PXT
LIF
WPK
QSR
VCM
RUF.UN
AP.UN
WFC
MEQ
MRG.UN
IAG
MIC
HLS
PFB
NWC
PKI
ENGH
SSL
FNV
ASR
FC
SLF
MRU
X
INE
AIF
GC
ATD.B
EIF
EMP.A
MIC
OTEX
IFC
CP
KL
GSY
AQN
ADN
DRG.UN
CGO
GIGI
GDI
GSY
HRX
L
MNT
NOA

I also took into account penny stocks. Here are the penny stocks that came out from my Guru screens search on Stockopedia:

CTZ
QIS
GLO
TCA
XBC 
MCR
ORC.B
EOG
ELC
STC
EMX
PFM
AUP

Next step, is to go on the TSX web site right he, in order to write down, on my paper sheets: the dividend yield, and have a close look to what the overall chart look like for each of their stock and write down if the overall chart is ok or now. For this task, I am consulting directly the TSX web site and not Stockopedia because since the overall chart is so important to me in my decision making, I way prefer to consult directly the TSX website. Of course, this make the process longer and it's the reason why it's passed 10 pm and I am not done yet with this task. So let's continue.... I will post a part 2 of this tomorrow, or maybe later o to let you know which stocks remain as possible future investment. 

I don't want: businesses involved in insuance. I don't want any REIT stocks. I don't  want stocks with a rocky overall chart, or chart that didn't recover from the 2008 stock crash, which mean that if a stocks have a lower value now of what it used to be before the 2008 stock crash: I don't want such weak stock in my portfolio.

Welcome in my RRSP portfolio Leon's Furniture Limited (LNF)!

Yesterday, I did my move, I proceed with the purchase of some Leon's Furniture Limited (LNF) stocks, but only inside my RRSP portfolio. And today, I was seriously looking at selling the RioCan Real Estate Investment Trust (REI.UN) stocks that I hold inside my TFSA. But I wanted to proceed with the sell only when the price allows me to cover the commission fee of $9.99. I am so almost there, but not there yet. So the new investment for my TFSA will have to wait for now. I prefer to sell REI.UN before proceeding with any new purchase for my TFSA. That way, I will have more cash power to make a super great investment. The only little problem I have at this time is that I don't know what that super great investment will be made of.  I did some quick browsing on Stockopedia but nothing great show up. 

At first, I had my views on TerraVest Industries Inc. (TVK), but I find that the overall chart is not strong enough. It's getting better now, but the general picture is not good enough.

While picking a stock to invest in, it's among the first thing I check: the overall chart. I will go as far as twenty years ago and I want a chart that goes only up. Those stocks are quite hard to find. Canadian Pacific Railway Limited (CP) is kind of having the style of chart I want, but the stock is like super expensive. I don't understand why this one is not going over a split or something.

 If you want an example of what a perfect overall chart look like, take a good look at my baby CNR.

And of course, I own Canadian National Railway Co (CNR) in my portfolio. I need to find a new gem that will lead to a beautiful future. Now the question is: where am I going to find it? WHERE ARE YOU.

Happy Labour Day, TSX Investors!

I always loved long weekend. 3 days off is better than 2 days. Those are like perfect quiet time to do my nails and check on some important stuff: my portfolio. This past session was great for the TSX. At 16 444 points this past Friday, my non-registered portfolio closed at $115,272.14, my TFSA portfolio at $79,309.08 and my RRSP portfolio - stocks only - at $45,786.89. I had updated my investment portfolio. Altogether, my portfolios worth $272,976.33‬. My net worth is now at ‭$226,482.26‬, which is an increased of exactly $345.21 compare to June 2019. The gains are little, but at least, I am not decreasing in value. Currently, we are facing so many challenging, a recession might not be too far away, but right now, the worst is between Trump and China. The trade war is creating a lot of volatility on the stock market. It's the main reason why I only own a +$345.21 gains compare to June of this year - that and fact that I didn't get serious about saving money during the past couple of months. But now, September is already in so that is about to change. 

As you have noticed, I have some cash available to invest inside my TFSA portfolio and RRSP portfolio. I was thinking about transferring the cash I had in my TFSA portfolio into my non-registered one to pay down my margin debt, but that was until I suddenly wake up. In recent years, Derek Foster came along with some new stock ideas and it seems like at first, I never really like what he's investing in. It's just several days later that I wake up and suddenly told myself: wake up bitch, you need that stock and you need to do just like Derek Foster. 

It's funny, but it's how things had been working lately between Derek Foster stock picks and me. In his latest newsletter, Derek Foster informs our poor soul that he had invested in Leon's Furniture Limited (LNF). So I am going to do exactly like him - again - at least when it comes to the cash I have inside my TFSA portfolio. I  am just trying to remember right now what was the last stock I had invested in that was a Derek Foster stock. Could it be Enbridge? I don't know for sure. I am just too lazy to conduct the search on my own blog.

In defense of Derek Foster and not mine, Leon's Furniture Limited (LNF) has a nice chart, pay a good dividend distribution (3.5%). And on top of that, LNF is quite well rank on Stockopedia. Over there, LNF is enjoying a 99 StockRank, as well as a Super Stock nomination. So I mean what better can I get? It's getting harder and harder for me to find the perfect stock for my almost perfect investment portfolio. It's just that Leon's Furniture Limited (LNF) doesn't bring in any sort of excitement to me. I don't know why. Maybe it's a good sign after all. Anyhow, tomorrow, I will be investing a bit of money in LNF. An investment in  Leon's Furniture Limited (LNF) certainly will be better than any money investing in Jean-François Tardif 's JFT Strategies Fund (JFS.UN). JFS.UN is going no where and cannot bring any richness to smart investors like I am. I am just glad that I don't hold any JFS.UN unit in my portfolio anymore.

My investment portfolio on date of August 30, 2019

Cold cash: $2,001.55‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,115.6‬0

Methanex Corporation (MX): $4,445.48‬
Fortis Inc. (FTS): $6,871.25
Pembina Pipeline Corporation (PPL): $31,193.6‬0
Corby Distilleries Limited (CSW.A): $2,422.16‬
iShares S&P/TSX Capped REIT Index (XRE): $3,016.86
New Flyer Industries Inc. (NFI): $3,225.66‬
TMX Group Inc. (X): $922.48‬
K-Bro Linen Inc. (KBL): $3,839
TransCanada Corp (TRP): $1,705.5‬0
Canadian National Railway Co (CNR): $11,034
Enbridge Inc. (ENB): $14,694.90
Emera Inc. (EMA): $1,442‬
BCE Inc. (BCE): $1,386
Saputo Inc. (SAP): $1,600.80
Loblaw Companies (L): $874.44‬
Savaria Corporation (SIS): $5,688.24
WSP Global Inc. (WSP): $3,604
Aphria Inc. (APH): $1,678
George Weston Limited (WN): $108.17

(KML): $4,404‬

TOTAL: $115,272.14

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,627.28
General Mills Inc. (GIS): $1,721.6‬0
Cash: $0

TOTAL: $3,348.88 US: $4,446.98‬ CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $926.80
CT Real Estate Investment Trust (CRT.UN): $1,468‬
Canadian National Railway Co (CNR): $4,904
Exchange Income Corporation (EIF): $38.50
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,191.52
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,494.6‬0
Andrew Peller Limited (ADW.A): $2,408.9‬0
Hydro One Limited (H):
Toronto-Dominion Bank (TD): $1 444
Boyd Group Income Fund (BYD.UN): $5,343.60
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,748.50
Data Communications Mgmt (DCM): $6.12
Morneau Shepell Inc. (MSI): $2,943.90
Royal Bank of Canada (RY): $3,983.2‬0
Park Lawn Corporation (PLC): $1,518.60
Toromont Industries Ltd (TIH): $2,550.8‬0
BCE Inc. (BCE): $567‬

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,441.50
Sienna Senior Living Inc. (SIA): $1,500‬
Boralex Inc. Class A Shares (BLX): $827.20
Richelieu Hardware Ltd. (RCH): $1,177.60
Savaria Corporation (SIS): $767.20
Northland Power Inc. (NPI): $2,525‬
Calian Group Ltd. (CGY): $2,527.1‬0
BMO Bank of Montreal (BMO): $1,825.20
Canadian Utilities Limited (CU): $1,614.90
WSP Global Inc. (WSP): $1,802
Granite Real Estate Investment Trust (GRT.UN): $637.1‬0
Cargojet Inc. (CJT): $2,984.68‬
Nutrien Ltd. (NTR): $3,352.50

TFI International Inc. (TFII): $3,100
Canadian Imperial Bank Of Commerce (CM): $3,093.90

SIR Royalty Income Fund (SRV.UN): $1,024‬

ATCO Ltd. (ACO.Y): $2,850 

Aecon Group Inc. (ARE): $1,849 

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,609.08

Cash: $1,250.16‬

TOTAL: $79,309.08

RSP investment portfolio: 
Emera Incorporated (EMA): $16,611.84
EnCana Corporation (ECA): $637.20
Toronto-Dominion Bank (TD): $2,166‬
Telus Corp (T): $2,411.5‬0
Royal Bank of Canada (RY): $1,991.60
Savaria Corporation (SIS): ‬$2,213.92‬
Thomson Reuters Corporation (TRI): $3,293.64
Park Lawn Corporation (PLC): $5,062
Richards Packaging Income Fund (RPI.UN): $1,320.33‬
Toromont Industries Ltd (TIH): $446.39‬
CAE Inc. (CAE): $2,439.50
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,654.70
Boralex Inc. Class A Shares (BLX): $1,034
Quebecor Inc. (QBR.B): $749.75
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $261.80
Brookfield Renewable Partners L.P. (BEP.UN): $946.58
Cash: $546.14

Total: $45,786.89‬     

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,926.49‬

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: $1,167.98‬
Manulife Simplicity Growth Portfolio: $1,392.84
Maritime Life CI Harbour Seg Fund: $1,274.58
Maritime Life Fidelity True North Seg Fund: $1,693.97
Manulife GIF MLIA B World Invest: $1,216.03‬
Total: $6,745.40

Other various: $14,030.19‬

TOTAL: $71,911.58

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

On date of August 30, 2019
$272,976.33‬

My debt situation on date of August 30, 2019

Margin account: $46,494.07 @ 5.50%
Annual interest: $2,557.18
On date of August 30, 2019

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

Happy Birthday MAS$$$$E (and me:-)

This is my last post as a 38 years old, but it's going to be a quick one. Tomorrow is my birthday, as well as MA$E!

If you don't like Ma$e, you just don't know what good old songs are like! So far 39 is not that bad.

My mom has that strange habit to call me ONE day before my actual birthday to wish me happy birthday... which I absolutely hate. And she likes to call me again on that special day. I don't need any reminder, but thank you for the good wishes, because I will need some. 

Yesterday, I was writing about PPL and Derek Foster, and guess what happened, the man had left his cave! Derek Foster sent a newsletter to his follower. And I just don't get the sell of BEP to buy what? some Leon stocks? What??? It's doesn't make quite sense to me. These days, I am not getting much from Derek Foster. Just like you may not like each and single investment I make, but you keep coming around, just in case I could be in love with the right stock. One thing is for sure, my investment in CJT had turned to be a golden ticket. Do you have yours? I don't investment as much as I used to be for many reasons: my portfolio is pretty well established. I basically own all the stocks I ever wanted to have as investment. But from time to time, I surf around, or just hit on something hot on Stockopedia, so you just never know.

Other than listening to come cool Ma$e videos, feel free to jump in anytime you want around here because you just never know if my next investment will have just everything that you need. So behave.

Welcome in my non-registered portfolio Kinder Morgan Canada Limited (KML)!

At just above the 16 000 points, the situation is not extraordinary for this TSX these days. And it's not quite easy to watch. However, a bunch of good stuff had been going on. Let's start with the dividend distribution: this past week, both Canadian Imperial Bank Of Commerce (CM) and Royal Bank of Canada (RY) had announced increasing their dividend distribution.

Cargojet Inc. (CJT) had been in my portfolio since October 2018. I had found the fabulous CJT on Stockopedia. I had found many of the great stocks I hold in my portfolio on Stockopedia: like WSP Global Inc. (WSP), Park Lawn Corporation (PLC), Toromont Industries Ltd (TIH), just to name a few others. Another great news of last financial week concern Cargojet Inc. (CJT). This past Friday, Cargojet Inc. (CJT) closed on a terrific 12.86% gains. I own some CJT stocks inside my TFSA portfolio. CJT announced an agreement deal to provide air transportation services to Amazone.

Also this past week, Pembina Pipeline Corporation (PPL) announced the acquisition of Kinder Morgan Canada Limited (KML) AND a dividend increased. PPL will offer $15.02 per share for KML. Since KML was trading lower than $15.02, I decided to buy some KML shares. Acquisition and merger are certainly among the most exciting thing that exists in the stock market. Whenever a company trading on the stock market buys another one, usually, the buyer makes an offer that exceed the current value per share: I adore that kind of move. The difference between the price of my buy and $15.02 is not enormous, but free cash is free cash. Pembina Pipeline Corporation (PPL) is a Derek Foster stock. PPL had been in my non-registered portfolio since, I belive, 2009. I made $$$ on the back of Derek Foster on that one.

On those bunch of good news, my non-registered portfolio closed Friday session at $112,054.69, my RRSP portfolio at $44,895.08 and TFSA portfolio at $77,433.45‬. I was expecting more gains, but with a TSX below 16 500 points, good gains are hard to come by.

I cannot wait to get rid of BMO Bank of Montreal (BMO) inside my TFSA portfolio

Personally, I don't like cats, I ADORE cats, but unluckily, flurry friends make me suffer from asthma. I tempted to forget about my asthma, because I guess my lungs are stronger now from years getting to the gym, but asthma just doesn't simply disappear like that overnight. And I am pretty sure that if I get too friendly with cute flurry cats like Smoothie & Milkshake, I will probably suffer from an asthma attack. So I cannot get any sweet cat of my own, that's quite sad but guess what, my little favorites had come with a 2020 calendar!!! (And I can get it!).

It's just too adorable! I am going to buy Smoothie and Milkshake 2020 calendar like now. And it's done. It's an absolute must-have to any cat lovers :-) It may sound early now to get a 2020 calendar, but if you place your order now, you'll get a 30% off. I have ordered my calendar, did you order yours? That calendar is quite a good idea that the owner of those lovely cats had. Smoothie and Milkshake are among Internet most well-known cats. And you got to think that those precious need loving care, vet visits, toiletries, toys, food and treats like... catnip. I am pretty sure that those two cats are like super high maintenance. So that calendar is my little contribution to the well-being of Smoothie & Milkshake, may they entertained us for many years ahead.

I was happy to see the TSX gaining some valuable points yesterday, but today wasn't that good. Since Savaria Corporation (SIS) was experiencing some gains (yesterday), I decided not to sell it. If a stock is gaining value on a day that I may feel like selling it, it's mean that the stock wants me and doesn't want to leave my portfolio - really simple thinking that lead to super smart financial choices if you see what I mean. With me, everything is simple. And that's how Monday saved Savaria Corporation (SIS). I took the wise decision to leave the beautiful alone inside my non-registered portfolio and in my other portfolios as well, even if today SIS was down. My mind wasn't set to sell, so I didn't. My non-registered portfolio closed yesterday session at $111,290.17, my TFSA portfolio at $78,408.11‬ and my RRSP portfolio at $45,935.99. I had registered a nice gain yesterday compared to this past Friday. Today, my non-registered portfolio closed at $110,215.51‬, my TFSA portfolio at $77,933.52 and my RRSP portfolio at $45,557.31‬.

I am almost getting ready to sell RioCan Real Estate Investment Trust (REI.UN) without facing any damaging. Once REI.UN is out of the way, I could pick a nice investment, combine with the cash that came from the sell Lightspeed POS Inc. (LSPD). Yesterday, I wrote about a new stock that I found on Stockopedia: First National Financial (FN). The overall chart of FN looks great, just the way I like them, quite strong, but not among the strongest chart I have ever seen. And I am not a fan of businesses dealing with mortgages. Mortgage is a cruel invention made for the poor people to access to properties. It's a debt hole that is making people have to suck to their job until their late 60s, 70s... And it's quite sad. I may just have a net worth in the 200k that may not impress everyone like that guy over there. I am in search of a million, I just want to have a little more for myself. For me, real richness starts with nothing more or less than a $300 000. It's my magic number. And if I can ever reach that net worth, be sure you will be hearing of it. I am having big trouble big times to get there.

However, I am almost there in order to get rid of REI.UN - I cannot wait. Another stock that I want to say good-bye to ASAP is BMO Bank of Montreal (BMO). In my portfolio, BMO is the only bank stock that I hold that is currently down in value. That means that BMO Bank of Montreal (BMO) is not among top Canadian bank stock. BMO is not a true strong performer and I deserved much poor than a poor Quebeck stock in my portfolio. I only want the best and BMO Bank of Montreal (BMO) is strictly garbage that belongs to Quebecker investors. I am way to smart to be holding on to some BMO stocks. Please excuse me.

Will I ever become the frugal girl I used to be?

It's always quite difficult to see the TSX doing down, but seeing it sliding below the 16 000 points is not fun. However, we were lucky enough this past Friday, the TSX closed the session in the 16 100 points. These days, volatility is in the air. I like my TSX when it's easy to handle and steady. These days, the stock market is not an easy place to be. It's sad, but it's obviously not right on time for my 39th birthday that I am going to get my hands on a 300k net worth or even 250k, but it doesn't really matter. Better luck next time! More than grow, I am concern about keeping myself at flow, without facing too much loses. This past Friday, my non-registered portfolio closed at $109,963.02, my TFSA $77,680.60, and my RRSP portfolio at $45,390.34.

While facing such volatility, and maybe an upcoming recession, I had been closely looking at my stocks. Currently, my margin debt is of $43 000. Following my smart sell move involving Lightspeed POS Inc. (LSPD) inside my TFSA portfolio, I now have more than $1 100 cash that is comfortably lying in there, doing there. At this time, I have no investment plan, I had nothing I want to invest in at this time. Among with LSPD, another investment I made at the same time inside my TFSA was Brookfield Asset Management Inc. (BAM.A). I still have BAM.A inside my TFSA portfolio. For that one, I have in mind a long term investment. BAM.A is still strong despite the recent market shakers. One option for my TFSA cash would be to transfer the amount over my non-registered account, to help pay down my margin. I had big problems big time to pay down that fatty margin, so why not?

Other than that, I had been looking at the possibilities of selling the Savaria Corporation (SIS) stocks that I hold inside my non-registered portfolio and pay down my margin. That way, I could bring my margin to somewhere in the $36 000. Since 2018, SIS chart had been going down. Luckily, for the SIS stocks that I hold inside my non-registered portfolio, I am still - at least for now - experiencing a capital gain. In my view, Susan Brunner analysis of Savaria Corporation (SIS) is mostly positive, but SIS StockRank on Stockopedia is so-so, SIS had been on a declined since last year and we may be facing soon a recession. I am currently more on a sale mood for this one. I may proceed, I don't know for sure yet.

While browsing on Stockopedia this evening, I find a new stock: First National Financial (FN). Despite this new finding, I am more interested in the idea of paying down my margin rather than investing in a new stock - which is really unusual coming from me. These days, I try not to be much concern regarding the market volatility, but fact is, I absolutely hate it.

I had spent a lot of money in July. I must admit, it's quite hard to get back in the roll of saving money.