Saying hello to a $7 000 annual dividend income

The TSX was on it way to make me on top of my princess game - once again - and happily hit on the 16 000 points for the first time in history. But I guess it was just too much too soon. The TSX pulled off back and closed this past Friday session at 15 533.47 points. My non-registered portfolio closed at $149 466.72 and my TFSA at $60 382.61. At this time, I estimate my net worth to be around 187k. Still solid like a rock and beautiful as gold, or if you prefer, God.

The pot of gold is not on the $190 000 right now, however, its now official, my annual dividend income reached the 7k: $7 003.86. This exclude the dividend income coming from the RRSP. This is happening because my non-registered and TFSA portfolio are set up on DRIP. And also, fact that Canadian Imperial Bank Of Commerce (CM) and Royal Bank of Canada (RY) announced dividend increase recently also help my cause.

One of this past Friday top gainer on the TSX catch my attention: Colliers International Inc (CIGI). It will be difficult to ever beat up my last investment, Toromont Industries Ltd (TIH), but I like to seek for other investments. Even after finding TIH. And that being for many reasons. One of the reason is that ever since I had been investing in stocks, I always been searching for new stocks to invest in. It became something very usual overtime. But the more time pass by, the more difficult the task had become. Its also clear to me that the search for THE stock need to continue, rather it is on the US or Canadian market. The best that have the stock market cannot resume itself to what I already know. 

Too bad for the little Quebeckers. Fact that I am holding Toromont Industries Ltd in my non-registered and RRSP portfolio make me the greatest investor on earth. Its really that simple.

TSX can lose all the points it want, arrogance is here to remain.

Again this year, I won't invest in my RRSP portfolio

Actually, this is partly true. I contribute to my RRSP, but only at a very low level through my bi-weekly pay. I cannot simply rely on that for my retirement. But l like always, I learn a long time ago to take care of business myself. Especially since Jean-François Tardif seriously began to piss me off with his damn JFT Strategies Fund (JFS.UN) just going no where. Nice man, good heart, good looking, but no fun profit! And no nice dividend! So when a man doesn't give me what I want, I stay away. Love you but bye bye bye Jean-François Tardif. I am going to get rich all by myself, just like it was expecting to be.

RRSP is good - but only if you are rich. Like real rich. Personally, I don't like RRSP and I really regret having invested in RRSP when I was "younger". Why? Well, if I would had made those investments inside a non-registered account, I could touched the dividend money. Currently, my dividend income is of $6 995.66 (non-registered and TFSA portfolio dividend). Now, imagine what could be that income if my RRSP stocks would be invested inside my non-registered portfolio. Like so frustrating! I don't care of what my needs will be when I will be old and gray. I want to have all the cash possible and ENJOY it NOW. Tomorrow is another day that I don't necessarily care about.

You are reading the Dividend Girl Blog, its not here that you'll read about seriously good stock review. My investing style is one of a voodoo princess. It watch catch my attention and my choices are base mostly on impressions and feelings. And of course, I check if the chart is all the way up, if the stock exceed the value of the before 2008 stock crash, the dividend yield is not too excessive, a good stock history, mostly something that been around for a couple of years. I made mistakes among the way, my portfolio is not perfect. If you are getting tired of the voodoo method, there's other option. Stockopedia is quite interesting. And for real stock reviews, serious ones, Susan Brunner has what you need! Check out her latest post, quite interesting. After reading, you'll have all the buzz needed to save all the cash in the world to invest and make your way to thousands and thousands in net worth. Very dangerous post.

Getting ready for my first 200k net worth

When I saw Friday that my non-registered portfolio was popping up to the $152 000... I knew something special was going on. I was hoping to finally be sitting on the $190 000 net worth. So I update my portfolio as quickly as possible to find out and it when I discovered that I was so almost sitting on a 190k net worth.... almost. At $188 996.88, its now reality, the 190k net worth is just around the corner. If I can just make other great discoveries like my newest Toromont Industries Ltd (TIH), it won't be long - unless something catastrophic happen on the stock markets.

My feelings toward TIH is the same I got years ago when I invested in my precious Premium Brands Holdings Corporation (PBH). I invested about 5k in PBH years ago and today, on date of February 19, the investment worth more than $32 000. I would like to invest another 1 pr 2 thousands in TIH, sit on the investment like a sexy hen and wait for capital gain to come in. No more work is needed, just the right stock pick, that's all.  

So far, 2017 announced itself as being THE year for my first $200 000 net worth. It wasn't that long ago that I reached $100 000 in net worth. It was actually in January 2014. We'll see if I can make $100 000 every 3 years or so. 

I read somewhere that some illegal immigrates had reached out New Brunswick, only 3 for now. But even with 3, the Maine-New Brunswick border is only decorated by very small cities and I couldn't help thinking that policemen in New Brunswick might just don't know what to do if they catch illegal immigrates crossing the border. Its quite problematic, even if its only 3 immigrates. Where are they going to put these 3 people? We have enough to deal with in New Brunswick including poverty that is present. We are really not arm to welcome illegal immigrates. Like not at all. And I don't even feel compassion for those immigrates invading New Brunswick. Its just not their place to be. New Brunswick is a too poor province to welcome refugees. There's many people who are in great needs and we should not spend one single penny for those people. Rich or poor, I am against the principle and I find it totally disgusting.

My investment portfolio on date of February 17, 2017

Non registered Investments:
Cold cash: $2 571.82


Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.13
Bank of Nova Scotia (BNS): $9 572.94
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 821.69
Fortis Inc. (FTS): $4 968
Pembina Pipeline Corporation (PPL): $21 344.28
Just Energy Group Inc. (JE): $6 907.95
Enbridge Income Fund Holdings Inc. (ENF): $12 333.60
Corby Distilleries Limited (CSW.A): $2 803.64
Premium Brands Holdings Corporation (PBH): $32 401.12
iShares S&P/TSX Capped REIT Index (XRE): $2 536.38
New Flyer Industries Inc. (NFI): $4 753.08
TMX Group Inc. (X): $572.88
K-Bro Linen Inc. (KBL): $4 400
WesternOne Inc. (WEQ): $12.60
TransCanada Corp (TRP): $1 556
Canadian National Railway Co (CNR): $8 446.50
Enbridge Inc. (ENB): $1 539.16
Agrium Inc. (AGU): $6 239.44
Canadian Utilities Limited (CU): $1 540.56
Black Diamond Group Ltd (BDI): $126.50
Emera Inc. (EMA): $1 131.75
Cineplex Inc. (CGX): $1 281.25
BCE Inc. (BCE): $1 292.72 
Stella Jones Inc. (SJ): $827.20
Saputo Inc. (SAP): $1 830.80
Lassonde Inc. (LAS.A): $2 039.90 
Loblaw Companies (L): $818.28
Savaria Corporation (SIS): $5 451.72
Stornoway Diamond (SWY): $1 398.55
Open Text Corporation (OTEX): $1 754.80

Canadian Imperial Bank Of Commerce (CM): $3 494.70

Toromont Industries Ltd (TIH): $1 884.40

TOTAL: $152 082.53

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 156.39
American Outdoor Brands Corp (AOBC): $1 345.40
Cash: $163.68

TOTAL: $3 748.08 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $56.94
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): $941.15
AltaGas Ltd (ALA): $940.50
CT Real Estate Investment Trust (CRT.UN): $1 552
Canadian National Railway Co (CNR): $3 754
Exchange Income Corporation (EIF): $9 365.30
Firm Capital Mortgage Investment Corporation (FC): $562.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 181.83
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 155
Laurentian Bank of Canada (LB): $1 222.20
The North West Company Inc. (NWC): $1 494.50
Andrew Peller Limited (ADW.A): $3 695.10
Barrick Gold Corporation (ABX): $1 056.40
Canadian Imperial Bank Of Commerce (CM): $1 747.35
Hydro One Limited (H): $2 407.84
Toronto-Dominion Bank (TD): $1 388.80
Boyd Group Income Fund (BYD.UN): $2 668.20
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 239.30
Keg Royalties Income Fund (The) (KEG.UN): $1 421.70
Data Communications Mgmt (DCM): $16.32
Westshore Terminals Invest Corp (WTE): $6 127.50
Morneau Shepell Inc. (MSI): $1 766.70
Royal Bank of Canada (RY): $3 963.60
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 160
Parkland Fuel Corp (PKI): $1 783.68
Stornoway Diamond (SWY): $1 518.90
Park Lawn Corporation (PLC): $972.60

Cash: $163.06

TOTAL: $59 337.22

RSP investment portfolio:
Emera Incorporated (EMA): $11 543.85
EnCana Corporation (ECA): $1 749.60
Toronto-Dominion Bank (TD): $2 083.20
Barrick Gold Corp (ABX): $1 320.50
Stella Jones Inc. (SJ): $4 136
Telus Corp (T): $2 196.50
Alimentation Couche-Tard Inc. (ATD.B): $491.12
Royal Bank of Canada (RY): $1 981.80
Savaria Corporation (SIS): $2 182.86
Thomson Reuters Corporation (TRI): $2 354.80
Park Lawn Corporation (PLC): $3 242
Richards Packaging Income Fund (RPI.UN): $825
Toromont Industries Ltd (TIH): $329.77
Cash: $11.21                                  

CIBC Dividend Growth Fund: $804.24
CIBC Emerging Markets Index Fund: $494.71
CIBC Monthly Income Fund: $1 382.74                                        

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

GIC National Bank: $1 312.89                                  

Manulife Fidelity NorthStar GIF CAP B: $1 542.74
Manulife Simplicity Growth Portfolio: $1 270.55
Maritime Life CI Harbour Seg Fund: $1 216.95
Maritime Life Fidelity True North Seg Fund: $1 220.50
Manulife GIF MLIA B World Invest: $1 040.40

Other various: $8 583.27

TOTAL: $54 396.95

Social Capital at Desjardins Membership share: $35
Pending online income: $124.18
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$272 295.78

My debt situation on date of February 17, 2017

$83 298.90 at 4.25% = $3 540.21 in annual interest

[In date of February 17, 2017]

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

The newest date to be remember: February 16, 2017

The TSX set a new record high today, closing the session at a very comfortable 15 864.17 points, and making me at the same time richer than I never been before. Its quite shocking to see the TSX battling up records like that bang bang bang. And beating up the mark of 15 800 points is quite something. Its actually unbelievable. Why is the TSX suddenly going all the way up like that? Anyway, as you know, I stop trying to understand it all a very long time ago. Someone very famous, very rich (and very old too!!) once said that you should only invest in stocks that you understand. I so don't agree with this line of thinking. Not at all.

Investing in stock can be quite intimidating, but nothing should stop anyone to invest in stocks. If I would had wait to actually understand the stock market, understand how the system work, what it is, understand the stocks I invest in, I still wouldn't be investing because its all too complicated stuff and the only thing I am into is making money. I don't  So once I kind of get the picture, I jumped it. No need to know anything, the only thing required is a great taste for danger, adventure, and of course, MONEY. Remember, its all about capitalism. I want a slice of the cake on my side when I sleep at night.

MONEY, MONEY, MONEY

:-)  

Right now everything is so on the high, but can the TSX jump back very sharply too? Oh yes it can! But I don't worry too much about that. Stock market around the world goes up and down all the time, that's what they do. But in the meantime, give me a break, I am richer than I ever been before and I suspect to be sitting on a net worth of $188 000. My non-registered portfolio is at its highest, sexy as ever, standing at a strong $151 968.72 and my TFSA portfolio is enjoying itself at $59 224.55.

What can be consider as one my major achievements of the past couple years, my latest investment in Toromont Industries Ltd (TIH), is not a joke. Since February 9, TIH had grow by 2.22% in my now famous non-registered portfolio. So far in 2017, I invested $2 668.20 inside my TFSA. Since I have contribution room left, I am thinking about taking my Toromont Industries Ltd (TIH) stocks and proceed with a contribution in kind to my TFSA with TIH. 

Knowing that Toromont Industries Ltd (TIH) gained 2.22% since only February 9 and especially knowing that TIH shares have outperformed the S&P TSX by 31.22% during the last year, proceeding with a contribution in kind on that stock is a very good move.

Why am I so smart?

A date to remember: February 10, 2017

The TSX closed last Friday session by popping up the 15 700 points! February 10, 2017 was  an historical date. The TSX closed at its highest ever, at exactly 15 736.64 points. And during that time, my non-registered portfolio closed the session exceeding 150k. It look like the TSX could soon welcome the 16 000 points. 

A good TSX in shape always bring easy money for investors. I am curious to see how the market will react to Justin Trudeau little trip in Washington. So far, I am not very impress by the announcements made. Trump want to discuss about the place of women at work. I mean really? Its not like we are a third world country in Canada. Women have a place at work. There's nothing much that need to be debate in regard of that topic. I am a single woman at work and I mean, I don't think Canadian women suffer at work or are facing major discrimination. Anyway, that's a stupid topic to talk about when there's so much more that need to be cover. ???

Trump should think about building a wall to protect the USA-Canada border because right now, there's some illegal immigrant coming from the US that are entering Canada and ask for the refugee status. Those immigrants are taking time, energy and money out of our pockets. That is something that need to be address to Donald Trump. Its only his fault if those illegal are coming to Canada. And while they are here, they have to stay somewhere, eat 3 meals a day, need to get proper clothes, and, even worst, get medical cares. And who pay for those immigrants? 

My tax money goes for that.

Welcome in my RRSP and non-registered portfolio Toromont Industries Ltd (TIH)!

Its too bad, but I couldn't resist! I had to invest in Toromont Industries Ltd (TIH) and I did. I am currently under the impression that TIH is THE HOT STOCK that was missing from my portfolio for too long now. Now, only now, my investment portfolio is a perfect, but certainly complex, piece of work. You have to look at it like a very big tree And I have the very strong feeling that I did what was for the best. Its true that every time I buy a stock, I am always confident about my move. But this time, its a different story. I am going to make a lot of money with this investment. Who live will see.

Fact is, Toromont Industries Ltd (TIH) is not a well-known stock. Its a good thing that I find out about this stock because from now on, TIH is from my portfolio and in result, the world wild Web will get a taste of what real Canadian quality stocks is all about. I didn't find any reviews of Toromont Industries Ltd (TIH) and no financial blogger - expect me because I am the very best of course - wrote about this stock or even mention it! Its a real shame.

On Stockopedia, Toromont Industries Ltd (TIH) has now a StockRank of 91. Finally at least, TIH now appear in one single Stockopedia screen - at least. Toromont Industries Ltd (TIH) is currently making its debut on the 52 Week High Momentum Screen. Great! Another fabulous that I hold, but this time in my TFSA portfolio, is in the same screen, its: Morguard North American Residential Real Estate Investment Trust (MRG.UN). So far, my capital gain on MRG.UN exceed the $200, and that capital gain doesn't include the dividend earned so far on the stock.

I was checking on my banking account and I currently almost have 2k in there. And I taught wow, looking good! Why I don't try to keep the money in there for once? I will try to keep as much money possible in there. Fresh fun cash have diamonds value. But during that time, I am getting fatter on my margin.

As you may doubt, I had invested in Toromont Industries Ltd (TIH) inside my non-registered portfolio by using magic margin money. As for my RRSP investment in TIH - its a small investment made by using dividend left-over earned inside my RRSP.

GOOD JOB SUPER BABE.

(lol)

GO go goooooooo!

Oh Toromont Industries Ltd (TIH), wonderful, beautiful stock

Toromont Industries Ltd (TIH) is THE investment I had been missing in my portfolio. In reason of this new beautiful, the plan of setting up a small emergency fund is about to go straight to the garbage! YEAH. I hate emergency funds. I have no real desire to build one. Living paycheck per paycheque is good enough for me. Emergency fund is against my nature. I cannot fight the in deep need of investing, especially now. But what's the rush to invest in TIH now? The rush is MONEY.

According to the Globe and Mail, last year, Toromont Industries Ltd (TIH) outperformed the S&P TSX by 32.78% during the last year. I believe that TIH is on the road to similar extraordinary results for 2017. The only way to benefit from TIH is to invest in some TIH stocks - and that cannot wait. It need to be done NOW.

I would like to invest a 2k in TIH inside my TFSA since I have contribution left.

Quebec puppets upset for Washington Post article by J.J. McCullough

Quebeckers are quite funny people. A good article in regard to recent terrorist attack that happen in Quebec City was published in the Washington Post. Whenever someone tell to Quebeckers right in their face who they truly are, the reaction is immediate. They always react like a bunch of clowns. Quebeckers massively comment the articles denying all relevant facts. They are Quebeckers are just not smart enough to accept the true. And personally, I can assure you that the article published by J.J. McCullough is accurate and is a good portrait of Quebec province. 

As a "distinct" society, Quebeckers have problem to deal with who they are. But the true had now been exposed to the world. Quebec is well known for being a corrupted province with extremely bad leadership in field of education, health care and provincial administration. That lack of education is the cause of many diseases in Quebec province. I previously wrote that when it come to terrorist attacks that happen in Canada had been committed by Quebeckers, and that it wasn't surprising. Well, it happen that J.J. McCullough also talked about that in his article. In many ways, Quebeckers themselves are much more dangerous for our country than Muslims. However, for many reasons, I am against Muslims.

I previously wrote on this very good blog that I am against Muslim and I explain why. This is not racist. I am expressing the voice of common sense. New Brunswick may be a poorer province, but we don't let our children go to school in buildings that are about collapse. We don't let our seniors stay in their shit all night and they get to have more than just one bath a week. We can stay proud despite our problems because we know who we are and we don't let bad things happen to our people. We are not hypocrite like those Quebeckers. Forget about all my money, being a New Brunswicker is what I am most proud of in my life.

Get to know your enemies.

My newest everything is: Toromont Industries Ltd (TIH)

The weather is getting bad in Montreal, so I decided to go straight home after work. I can only miss Cayo Coco beaches. And most of all, I am missing the SUN. And Cuban guys. There's just something irresistible about those Cuban men, just so very hot. I have a thing or two for everything that is Spanish. Anyway, I am surviving. And right now, I finally catch on a stock of interest! Hourra!

Be happy for me.

Excuse me, but I can live without Cuba, without its fabulous, but I cannot make it too long without having any investment dreams. When it come to make money out of the stock market, I hit it on the easiest way possible. Forget about essays or fooling around trying to come with a very very complex strategy that will just blow your mind. I don't care. I have nothing of that matter to share or to prove. I want straight to the point easy investment moves ONLY.

So here it is, come and meet my newest extraordinary finding, a gem in the jungle that is out there: Toromont Industries Ltd (TIH). It wasn't hard to hit on TIH, especially today, since the title closed today session at fabulous 5.2% gain. Once again, I had it easy but it was just a matter of good timing, I needed to be online and check out my portfolio tonight if not, there would had been no TIH finding. I did my duty and here come my reward. Thank you my Lord.

Toromont Industries Ltd (TIH) basically answer to all of my criteria. It has a rocking chart since its inspection, its a dividend payer stock, its a stock that had increased its dividend over the years, its a company that been around for many years and that had survived the 2008 stock crash and now exceed the value of the before 2008 crash.... I cannot dream of having more in the same stock. Sure, TIH dividend yield is low, but its the only negative thing. And never forget: don't focus on big dividend yield, focus on quality, its where you'll find your richness and you'll be happy.

Its not easy to find such quality stock but I am very happy that I did. Strangely, TIH doesn't appear in any of Stockopedia screens. Its one of the reason why I didn't know about TIH until now. I keep scrolling and scrolling and going on to all stocks featuring in Stockopedia screens on and on and on... At a point, I mean, I didn't find my next everything. There's something wrong about Stockopedia because I am really sure that TIH should had feature in some of Stockopedia screens. To play only in my favor, Stockopedia StockRank of TIH is 90, which is very good I guess. But don't ask me, I know nothing and I am careless.

It seem like a very very lucky girl next door had finally hit on her next everything. TIH be ready, you are all MINE.

I have a brand new credit card: CIBC Dividend Visa Infinite Card

Its now been a week since I left behind Cayo Coco sun, nice sweat beaches, and my favorite drinks: pina colada, mojito, margarita, Spanish coffees and not to forget good looking Cuban guys. I am slowly surviving, but my whole body is screaming its hate of winter by giving really bad dry skin. As for alcohol, I don't have problem to stop drinking overnight, even if I am quite something on vacation. Just stay tune for my review of Melia Jardines Del Rey, which I should post soon.

 

My newest saving goal could give me a break from my eternal search for good investments, but I am quickly seeking for stocks on Stockopedia anyway and its fun as always. Nothing new catch my attention so far. I guess its because my portfolio is pretty much at the best I could possibly pushed it. Right now, I am only praying for relatively stable stock market that will keep me away from any in deep problems.

Currently, my non-registered portfolio is at $148 026.17 and my TFSA portfolio is at $57 713.66. Great results, but party will be on when my non-registered will be at 150k and my TFSA at 60k. 

A few days before leaving for Cayo Coco at the Melia Jardines Del Rey, I checked on a few credit cards that I wanted to bring with me just in case of emergencies. I have a credit line with RBC Royal Bank and I wanted my RBC debit card to be link to the credit line so I could withdraw money in case of need but guess what, that wasn't possible with RBC Royal Bank. I mean, that's stupid! RBC missed an opportunity to make money on my back!!! What kind of bank is that???

Anyway, its not the first time that I am getting pushed away by RBC. Don't want of me? No worries boys, I will go somewhere else! 

But no worries, I quickly turned around and look over with CIBC. What a better service! CIBC offer to treat me like the princess that I really am and increased my credit card limit - YEAH - and link the credit line to my debit card - thank you CIBC. My credit line needed to be reactivated because I never used it. It took 24 hours before getting reactivated. And just to push over the love a bit more, CIBC gave me the CIBC Dividend Visa Infinite Card without any fees, at least for one year. 

The CIBC Dividend Visa Infinite Card is interesting. It gave away a nice cash back of 4% on groceries, 2% cash back on Tim Hortons and TELUS purchases and 1% cash back on everything else. With my spending habits, I am expecting to cash back around $350 annually if not a bit more.

Thank you CIBC.

On the road to financial success with Open Text Corporation (OTC)

I may be on a starvation mode, desperately trying to build up a small emergency fund, but no matter what, I have all eyes on the stock market and my stock portfolio. And currently, Open Text Corporation (OTC) have all my attention. I invested in OTC back in September 2016. I wasn't able to hit on very good profit with OTC right away. Sometimes, patience is key.

I wrote before on the fact that I really like stock split. The general rule - but its not always the case - is when a stock split, the stock generally gain in value. Open Text Corporation (OTC) split had refreshed and regenerate the spirit of the stock. OTC finally hit on a + value and that mean more cash for me.

Lately, Saputo Inc. (SAP) is also in my radar. I like SAP because its dairy activities are diversified within multiple companies and also in different countries, Argentina and Australia, and not to forget here in Canada. Its just a matter of time before SAP get it hands on the missing Australia's Warrnambool Cheese and Butter shares. Its been a tough road but here again, patience is key. And again, plenty of cash for your favorite blogger.

Money is everything.

Working at building a boring, but so needed, emergency fund

A cash portfolio is what I have in mind these days. I am not a fan of "emergency fund", its why I am using the term "cash portfolio". Why should you put away some cash without investing it??? Well, because life is all about money. It take money to pay for rent and everything else right. In the past recent years, I never been able to actually build a a decent "emergency fund". I am 100% invested and I never been ashamed of it. I love to invest, I like the stock market. My obsession is always to find a new sexy stock to invest in. I want my money to work for me. All good, all good. I have a net work of now close to $190 000 and I came to the conclusion that time had come for me to put some cash aside.

Its hilarious in a way, to have a 190k net worth, but nothing in cash. Its actually not hilarious, its the demonstration of my disease, of my investing addiction. I unfortunately don't suffer from stock market anxiety in my everyday life. I can easily go for a week without any access to my broker account and stock market news and it don't hurt my spirit. I am in for the wild ride if you see what I mean. And you'll be all surprise to learn that I actually begin to build up a boring cash emergency fund. Luckily, not being a sexy momma is helping because I have no one to care of except my own self. I had set up my minimum monthly cash need to $1 250.

A decent emergency fund should include the minimum required to live on for 6 to 12 months. And actually, the more cash you have, the better you are. Cash is very important. And the term "cash portfolio" should remain in your mind. Because cash is needed in any portfolio, including mine - and especially mine.

Ok, so $1 250 for 6 months = what, you mean I need to put $7 500 in cash OUTSIDE the stock market???

NIGHTMARE.

lol!

I am a bit a cheater but I am a good cheater because I always tell my favorite readers. 

Don't forget my dividend income! (Because there's no way I can possibly keep $7 500 out of the market). Currently, my annual dividend income is of $6 932.32, a rough equivalent of $577 per month.

This lead to our conclusion:

$7 500 - ($577 x 6) = $4 038

To build a 6 months emergency fund, I need to put away, far way out of reach, $4 038 in my banking account.

See, smart girls are full of tricks.

 I will be done building the stupid emergency fund at the of March (of this year of course). I JUST CAN'T WAIT.

Enough of Muslims in Canada: will Justin Trudeau wake up?

I came back Friday from a one week vacation spent at Melia Jardines Del Rey located in Cayo Coco in Cuba. I had a good time. I will post my review about the Melia Jardines Del Rey later on. I won't forget to post pictures, I promise! But quickly, I can say that for a one week stay, we could only book 3 restaurants - but it was a common thing to see Quebeckers coming in without any reservation, gave cash money to the server to come in and eat meal that they were not entitle to. Totally disgusting Quebec shit at its best.

While I was facing a wonderful time, some people in New Brunswick had a real hard time. Some 28 000 residents still don't have electricity. Its very horrible. I put my mom in Montreal bus yesterday evening. When I hit back on, I was watching TV and I learned about the Quebec mosque shooting. Its a very sad even, I am not in favor of terrorism acts or murderer most of the time - the only time that I was "ok" with a murderer act was when the Charlie Hebdo event happen - anyone who draw the Virgin Mary with the legs wild open truly deserve to die and I won't ever tolerate any disloyal act against my religion. I am not in favor of opening our borders to Muslim. I am not in favor of welcoming Muslims in our country. This is a choice that had made the federal government and not the Canadians themselves. Don't ever believe that Muslim countries tolerate the invasion of other religions in their lands. So why should we act the opposite way and accept foreign religions to find roots in our blessed land? So we became as fuck as they are in their home country?

Let me make myself clear, I am not against immigration, I am in favor of good common sense. See, in Canada, we don't have a legislation that is strong enough to protect the interests of Canadians. An employer can decide of who he or she will hire. There's no law to govern employment. First, jobs must and should fill by Canadians and only if there's a need, than, an immigrant can come fill out an empty place. Its terribly hard for young Canadians and older to to find employment. Even at my workplace, they're many immigrants and many of them are not residents or not even Canadians. Those immigrants occupy jobs that could easily be fill by Canadians, even temporary jobs. But the employer doesn't care. Its all about money and nothing else. Hiring is done all over the place and without any judgment. And generally speaking, Quebec mass absolutely have no common sense or either good judgement.

And think seriously for a second. What happen Sunday, January 29 is very sad, but fact is, all terrorist offenses that happen in Quebec territory so far had been done by... Quebeckers. Quebec is a very sick society and the disease show up from time to time taking the form of corruption, crimes and terrorist actions.

As a good Quebecker, Justin Trudeau doesn't care either about the interests of Canadians. He's giving a good speech now, saying that Canada is willing to accommodate immigrants, no matter what their religion is. But what about us? Can we make sure that all Canadians willing to work can actually occupy a full-time job in their field?

We shouldn't have to worry about those kind of things but because our leader is incompetent, we have too. Muslim is just another problem that we have to deal with on top of everything else. Its a shame.

No one care. Justin Trudeau should work at making Canada great again.

My first contribution in kind of the year... 2017

This past Friday, I proceed with my first TFSA contribution in kind of 2017. I took the shares of Park Lawn Corporation (PLC) and Andrew Peller Limited (ADW.A) that I was holding inside my non-registered account and have them transferred. I already had some ADW.A stocks in my TFSA, so it was "kind" of logic to have all ADW.A shares standing together in the same spot. With all those changes, my non-registered portfolio closed today session at $145 547.78.

I got stuck in a messy situation today. I received a call from my bank saying that my rent check didn't have enough fund... I totally forgot about my rent. I had proceed with a money transfer to my margin a couple days ago and I was real excitement because the amount was closed to 3k. Today incident make me think that this time is the good one.

This kind of things happen when you have no money at the bank. Its great to have a net worth of very close to $190 000, but it would be nice to have a couple thousands to show off and no more bank call please and no more stupid money problem.

Its time to proceed with new TFSA contribution in kind investments!

January is a great month for Canadian investors because it allow us to make a new contribution to our TFSA accounts. Investments made inside a TFSA are FREE OF TAXES. Which mean that the capital gain AND dividend earn inside a TFSA account are not tax, and will never be. For 2017, the TFSA contribution limit is of $5 500. Knowing how much I am pack of stocks inside my non-registered portfolio, no need to have new cash available to invest in my TFSA. 

What I like to do from time to time is call contribution in kind to my TFSA. A contribution in kind is when you take an investment from a non-registered account and transfer it to the TFSA. While doing so, when a stock is involved, the broker will ask if you want to invest at the lowest or highest value of the day. I never totally understand that question because at the end of the day, the stock price is fix. Anyway, proceeding with a contribution in kind is the easiest way to contribute to the TFSA when no fresh cash is available.

While doing a contribution in kind, there's a couple of things you need to watch out. The following is basically the TFSA contribution in kind "bible", so please enjoy and read carefully.

-Before proceeding with any contribution in kind, make sure you have contribution room left. If you exceed the amount you have left in contribution room for the TFSA, you'll pay very hard for your mistake. Its going to cost you money. You'll be very badly penalize, and you don't want that to happen because you are too sexy smart for that!

-If, inside the non-registered portfolio, if you have a margin account, you need to watch out carefully the loan value of the investment you think about switching over to the TFSA before doing the famous move. Because once the move is completed, your loan value left on the margin will drop. Personally, I try to only pick non-registered stock that have a low loan value.

-I like to pick non-registered stocks that are dividend payers.

-While proceeding with the contribution in kind over the phone with your broker to the curious question lower or highest level, I suggest to always ask for the lower value, that way, you'll have more room left to make even more investment inside the TFSA!!!

The TSX begins the year in fire and so does Donald Trump

So far, 2017 start the right way. And its very strange because whenever I don't feel it right, the market react very often exactly on the opposite way. If the stock market would be a male, we wouldn't be sexually compatible. I would be left without a lover. Like not at all. On a more serious note, Donald Trump is in my opinion playing with fire and is provoking the leader of North Korea by publicly declaring that North Korea doesn't have the technology it take for their nuclear weapons to reach the US. It take a very incompetent leader to declare such thing. And it scare me to death because its now official like it never been before; Donald Trump is going to drive us crazy!! Its like a Third World War is on the making. Maybe North Korea won't be able to reach the US, but it could hit on South Korea or Japan.

For people of my generation, grandfathers, grandmothers lived the Second Word War. Our parents lived under Korean and Vietnam war, and now, what is coming up for people of my generation could be much worst. We could believe that after so many loses their lives and that we still carry  Syria is already devastated. It could take not that much to provoke a world conflict under Trump.

During the US election, I was mostly in favor of Donald Trump because I just couldn't stand the Clinton. And I taught that Donald Trump would had calmed down once he had the power in hand. Now Trump just keep pushing his luck and if he continues, he could provoked unprecedented conflicts. And he could even get killed.

What is wrong with Donald Trump?

Happy New Year 2017 Investors!

I happily welcome the year 2017. 2016 had been quite major for me. I am praying for a good 2017. 2016 mark my 10 year blog anniversary. After 10 years, its unfortunate, I begin to have quite an history of my own and I am slowly but certainly getting older even if age haven't broke in my skin yet. This being said, 2016 had been the year of the almost $200 000 net worth. I closed the year sitting on a pot of gold of $184 074.35.

In 2016, I realized how bad I can be as an investor - but not in every way. Whenever I try to play a quick buy-and-sell game to make money fast on the market, most of the time, it won't work. It was the case with SWY and my US gun stock SWHC. I cannot be good at everything. Since I began to invest in stock in 2008, my goal was to build a portfolio for the long run, with many many stocks that could take place as beautiful diamonds. This make 9 very long years of investing for the long run, its where my instinct work at its best. I don't make the greatest choices when I picked for the sort term, so I decided to flush on the short term right now and only have the long term in my mind for my 2017 investment brand new fresh year. 

Think about this. In a flash, back in 2014, my net worth was at $101 172.99. 2 years later in grow up to $184 074.35. I haven't invest much in 2016. I expect 2017 to be about the same in term of new investments for many reasons. Two of them would be to leave some money in my bank account for once and try to reduce my usage of margin. But even before paying down my margin, I would be very happy just to have a couple thousands in the bank.

My investment portfolio on date of December 30, 2016

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.27
Bank of Nova Scotia (BNS): $8 672.16
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 065.67
Fortis Inc. (FTS): $4 767.90
Pembina Pipeline Corporation (PPL): $20 854.12
Just Energy Group Inc. (JE): $6 628.02
Enbridge Income Fund Holdings Inc. (ENF): $12 482.43
Corby Distilleries Limited (CSW.A): $2 766.44
Premium Brands Holdings Corporation (PBH): $31 859.52
iShares S&P/TSX Capped REIT Index (XRE): $2 464
New Flyer Industries Inc. (NFI): $4 410.72
TMX Group Inc. (X): $572.16
K-Bro Linen Inc. (KBL): $4 215
WesternOne Inc. (WEQ): $14
TransCanada Corp (TRP): $1 513.50
Canadian National Railway Co (CNR): $8 132.40
Enbridge Inc. (ENB): $1 582
Agrium Inc. (AGU): $6 208.16
Canadian Utilities Limited (CU): $1 519.98
Black Diamond Group Ltd (BDI): $113
Emera Inc. (EMA): $1 134.75
Cineplex Inc. (CGX): $1 280.50
BCE Inc. (BCE): $1 276.66
Stella Jones Inc. (SJ): $871.60
Saputo Inc. (SAP): $1 900.40
Lassonde Inc. (LAS.A): $2 230.10
Loblaw Companies (L): $850.08
Savaria Corporation (SIS): $5 456.74
Stornoway Diamond (SWY): $1 685
Open Text Corporation (OTC): $1 658.40
Andrew Peller Limited (ADW.A): $1 755
Canadian Imperial Bank Of Commerce (CM): $3 286.80
Park Lawn Corporation (PLC): $943.80

TOTAL: $149 171.29

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 303.84
(SWHC): $1 475.60
Cash: $163.68

TOTAL: $3 951.73 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $53.52
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): $932.05
AltaGas Ltd (ALA): $1 017
CT Real Estate Investment Trust (CRT.UN): $1 500
Canadian National Railway Co (CNR): $3 614.40
Exchange Income Corporation (EIF): $9 894.75
Firm Capital Mortgage Investment Corporation (FC): $550.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 009.64
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 195.50
Laurentian Bank of Canada (LB):$1 154.60
The North West Company Inc. (NWC): $1 376
Andrew Peller Limited (ADW.A): $2 211.30
Barrick Gold Corporation (ABX): $859.60
Canadian Imperial Bank Of Commerce (CM): $1 643.40
Hydro One Limited (H): $2 381.58
Toronto-Dominion Bank (TD): $1 324.40
Boyd Group Income Fund (BYD.UN): $2 566.80
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 195.90
Keg Royalties Income Fund (The) (KEG.UN): $1 477
Data Communications Mgmt (DCM): $12.66
Westshore Terminals Invest Corp (WTE): $5 540.46
Morneau Shepell Inc. (MSI): $1 727.10
Royal Bank of Canada (RY): $3 634.80
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 043
Parkland Fuel Corp (PKI): $1 800.32
Stornoway Diamond (SWY): $1 830

Cash: $111.19

TOTAL: $55 671.72

RSP investment portfolio:
Emera Incorporated (EMA): $11 571.90
EnCana Corporation (ECA): $1 702.08
Toronto-Dominion Bank (TD): $1 986.30
Barrick Gold Corp (ABX): $1 073.50
Stella Jones Inc. (SJ): $4 349
Telus Corp (T): $2 133
Alimentation Couche-Tard Inc. (ATD.B): $486.56
Royal Bank of Canada (RY): $1 817.40
Savaria Corporation (SIS): $2 182.86
Thomson Reuters Corporation (TRI): $2 348
Park Lawn Corporation (PLC): $3 126
Richards Packaging Income Fund (RPI.UN): $811.80
Cash: $287.38                                       

CIBC Dividend Growth Fund: $779.40
CIBC Emerging Markets Index Fund: $464.01
CIBC Monthly Income Fund: $1 330.16

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

GIC National Bank: $1 312.89                                  

Manulife Fidelity NorthStar GIF CAP B: $1 588.97
Manulife Simplicity Growth Portfolio: $1 248.31
Maritime Life CI Harbour Seg Fund: $1 182.72
Maritime Life Fidelity True North Seg Fund: $1 234.75
Manulife GIF MLIA B World Invest: $1 020

Other various: $8 253.07

TOTAL: $53 369.81

Social Capital at Desjardins Membership share: $35
Pending online income: $93.80
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$262 293.35

My debt situation on date of December 30, 2016

$78 219 at 4.25% = $3 324.31 in annual interest