My first TFSA contribution of the year 2018!

I always have a good idea of where my net worth is setting at by looking at my numbers, but I like to post an update of my investment portfolio once in a while, even knowing that I am not beating yet my highest value ever, which was reached back in December 2017. With my hair freshly cut, just get out my way baby, the hunger to beat it up sharply is real more than ever and I am no longer too far behind. The stock market is making me suffer, but nothing best than a good punch in the stomach to wake up this girl.

One day, The TSX will good to me and it will be a lot easier to focus on the next natural step, which would be the $250 000 value. The 250k doesn't bring in much excitement on me. But the $300 000 is the real deal. Currently, my net worth is of $219 227.69, and that fabulous highest value ever of December 2017 was of $221 989.65. Since the beginning of this new year 2018, I have tried hard to push it over that magic 221k, with no success. 

Currently, the TSX is not steady enough and without a stock market in good shape, its difficult to move forward from my old score. For the time being, I will just be happy if I can finally exceed the old 221k mark. Things are not looking so bad overall and that's why I decided yesterday evening to proceed with my first TFSA contribution of the year 2018. It was about time, especially knowing that I have 10k in contribution room left for my TFSA! Its a real shame, but this is what it is to be linked to a margin account in a non-registered portfolio. It make it difficult to make any moves at all! Currently, I load $103 142.63 on my margin account. And I have left available $25 160.79. I watched closely those amounts every day or almost, just to make sure I don't get stuck in a wrong turn. But at 25k available, I have enough to take some stocks of my non-registered portfolio and have them transferred over my TFSA.

It seems like the rules for TFSA contribution in kind had changed at TD Waterhouse. When I was giving my order, I said I wanted the lowest value of the day for each stocks concern by my request, but it seems like we cannot no longer choose between the lowest or highest value of the day. While proceeding to a TFSA contribution, you can choose the stocks you want to transfer from non-registered to TFSA, but you cannot choose the value anymore. The value picks by the system is the one at the closing for the day. I have no problem with that, but the old rule gave a little bit more flexibility

For this first TFSA contribution, I picked National Bank of Canada (NA) and Northland Power Inc. (NPI). Since I already had NA inside my TFSA, I figured that I should just have the existing NA shares of my non-registered transferred over my TFSA. I already had some NA shares inside my TFSA portfolio. As for NPI, it was currently on a little capital loss, so I taught I could declared and the loss and get the shared inside my TFSA. Following what, I still have contribution room left to make other contribution in kind. for my TFSA. And I was thinking about my BMO shares, since they are too on a little loss right now.

While picking stocks of my non-registered portfolio for my TFSA, I try to pick some dividend payer stocks that currently are experiencing a small capital loss. I won't ever take stocks in which I registered some real big capital gain, like for example Premium Brands Holdings Corporation (PBH) to be transferred over my TFSA because if I do so, I will have to pay extra taxes because of the enormous good capital gains I made on PBH. 

Having stocks transfererd from my non-registered account to my TFSA will affect the value of my margin acount. For example, NA and NPI had a loan value of $3 677 for my margin. This is decreased of $3 677 the money available on my margin. Lucky me, its pay day next week, so I am going to take $3 677 from my banking account and have it transfereed over my margin. In the meantime, the amount left available will go down from $25 160.79 to $21 483.79. The lowest that amount go, and the closest I am getting from a margin call. that's what you need to keep in mind while trading on a margin account. Its a risk I am handling, but I don't recommend any of my dear readers to open a margin account, especially if you are the type like myself who get easily excited and who's a stock junkie, always on the ride and always searching for something new to invest in.

Another shame of mine is to have $2 272.31 in cash inside my TFSA, and I didn't invest that money yet. However, I am now pretty sure that I will be investing that amount in Calian (CGY). The stock seem to be stable and pay a nice reasonable dividend that seem to be reliable. This new investment will bring my annual dividend income to $8 489.73 (excluding RRSP), about $707.47 per month. I think CGY is a good pick and Stockopedia also share the same opinion. On Stockopedia, Calian (CGY) has the status of a Super Stock, and has a StockRank of 97 - two great features.

Right now, I really need to make good investments and those new friends will help me to push it to the 300k value. another stock I would really like to welcome in my portfolio is Logistec (LGT.B). It doesn't rank as wella s CGY on Stockopedia, and LGT.B only pay a tiny little dividend, but I have my eyes on that Susan Brunner stock.

Just to add for the fun, I just found out that one my favorite French rapper, La Fouine, has released a few new tracks and its quite good, so enjoy.

My debt situation on date of April 20, 2018

Margin account: $103 161.38 @ 5%
Annual interest: $5 158.069

My investment portfolio on date of April 20, 2018

Non registered Investments:

Cold cash: $4 209.59

Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.20
Bank of Nova Scotia (BNS): $9 300.06
Blue Note Mining Inc. (BLNMF): $0.51
Methanex Corporation (MX): $8 762.21
Fortis Inc. (FTS): $5 100
Pembina Pipeline Corporation (PPL): $25 031.36
Enbridge Income Fund Holdings Inc. (ENF): $10 846.56
Corby Distilleries Limited (CSW.A): $2 567.10
Premium Brands Holdings Corporation (PBH): $56 760.21
iShares S&P/TSX Capped REIT Index (XRE): $2 561.02
New Flyer Industries Inc. (NFI): $6 343.92
TMX Group Inc. (X): $620
K-Bro Linen Inc. (KBL): $3 538
WesternOne Inc. (WEQ): $13.80
TransCanada Corp (TRP): $1 382.75
Canadian National Railway Co (CNR): $8 658.90
Enbridge Inc. (ENB): $1 113.56
Nutrien Ltd. (NTR): $6 082.26
Canadian Utilities Limited (CU): $1 464.54
Black Diamond Group Ltd (BDI): $62.75
Emera Inc. (EMA): $1 006.75
BCE Inc. (BCE): $1 175.90
Saputo Inc. (SAP): $1 641.60
Lassonde Inc. (LAS.A): $2 570
Loblaw Companies (L): $785.40
Savaria Corporation (SIS): $8 515.57
Canadian Imperial Bank Of Commerce (CM): $3 310.50
ATCO Ltd. (ACO.Y): $2 485.80
Jamieson Wellness Inc. (JWEL): $2 290
Northland Power Inc. (NPI): $2 295
WSP Global Inc. (WSP): $3 188.50
Aecon Group Inc. (ARE): $1 819
BMO Bank of Montreal (BMO): $1 911.40
National Bank of Canada (NA): $2 961.50
Aphria Inc. (APH): $2 120
Canadian Real Estate Investment Trust (REF.UN): $3 033

TOTAL: $191 319.63

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 601.04
General Mills Inc. (GIS): $1 389.12
Cash: $56.69

TOTAL: 3 046.85 US : $3 838.12 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $52.50
Dumont Nickel Inc. (DNI): $24.40
RioCan Real Estate Investment Trust (REI.UN): $815.50
AltaGas Ltd (ALA): $763.50
CT Real Estate Investment Trust (CRT.UN): $1 330
Canadian National Railway Co (CNR): $3 848.40
Exchange Income Corporation (EIF): $31.76
Firm Capital Mortgage Investment Corporation (FC): $516
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 525.54
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 171.80
The North West Company Inc. (NWC): $1 377
Andrew Peller Limited (ADW.A): $3 100.80
Canadian Imperial Bank Of Commerce (CM): $9 379.75
Hydro One Limited (H): $2 111.40
Toronto-Dominion Bank (TD): $1 403.80
Boyd Group Income Fund (BYD.UN): $3 291.60
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 651.60
Data Communications Mgmt (DCM): $10.50
Morneau Shepell Inc. (MSI): $2 277.90
Royal Bank of Canada (RY): $3 891.20
Parkland Fuel Corp (PKI): $1 863.68
Park Lawn Corporation (PLC): $1 495.20
Toromont Industries Ltd (TIH): $2 230.80
National Bank of Canada (NA): $2 369.20
BCE Inc. (BCE): $481.05
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 810
Pure Industrial Real Estate Trust (AAR.UN): $1 614
Sienna Senior Living Inc. (SIA): $1 424.80
Boralex Inc. Class A Shares (BLX): $910.40
Richelieu Hardware Ltd. (RCH): $1 277.42
Savaria Corporation (SIS): $1 171.10
Enbridge Inc. (ENB): $835.17
Cash: $2 272.31

TOTAL: $63 330.08

RSP investment portfolio:
Emera Incorporated (EMA): $10 872.90
EnCana Corporation (ECA): $1 752.84
Toronto-Dominion Bank (TD): $2 105.70
Telus Corp (T): $2 254.50
Royal Bank of Canada (RY): $1 945.60
Savaria Corporation (SIS): $3 379.46
Thomson Reuters Corporation (TRI): $2 023.20
Park Lawn Corporation (PLC): $4 984
Richards Packaging Income Fund (RPI.UN): $1 065.90
Toromont Industries Ltd (TIH): $390.39
CAE Inc. (CAE): $1 731.80
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): 2 579.50
Boralex Inc. Class A Shares (BLX): $1 138
Quebecor Inc. (QBR.B): $600
Cash: $296.73

Total: $37 120.52                         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 817.31                   

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

GIC National Bank: $1 326.27                       

Manulife Fidelity NorthStar GIF CAP B: $1 246.52
Manulife Simplicity Growth Portfolio: $1 357.16
Maritime Life CI Harbour Seg Fund: $1 202.28
Maritime Life Fidelity True North Seg Fund: $1 526.79
Manulife GIF MLIA B World Invest: $1 248.22
Total: $6 580.97

Other various: $10 714.27

TOTAL: $59 639.09

Social Capital at Desjardins Membership share: $35
Pending online income: $17.56
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$322 389.07

Again today, my non-registered portfolio closed the session at its HIGHEST VALUE EVER: $192 923.55

Today, I wake up with a bad hair day and I decided it was time to get a haircut. I had one just less than 3 months ago, which is sad, but in my case, with my naturally curly hair, I really had stretched it until I couldn't stand myself. I try to extend the moment I get a haircut to the maximum to help my budget breathe a bit, but from now on, I am going to stop that stupid game. It feels so much better with a fresh haircut, you should try it! In my case, once every 2 months is not even a luxury. I just need to keep cutting on other stuff just the way I had gone it since the beginning of the year. 

I am now basically back to my old self of the year 2007, when I was just starting this blog and was working really hard to save everything I possibly could to invest my hard earned money. With regular paycheques coming in and with a net worth exceeding the 200k since last year, I would have been too easy to lose it up a little. I am even trying to sell a few things on Kijiji. I haven't been successful with my latest items so far even if I am selling nice stuff at good price. It helps to remind me not to buy any new purses or new clothes, because I am not in need of anything.

It was an amazing day on the TSX today. It seems like the stock market heard my wish: to have a TSX back on its old 15 600 points value. We are not there yet, but at now 15 529.97 points, we are pretty close and its feeling quite good to get what I want. I taught I was doing very great yesterday, with a non-registered of $191 720.21. Well, a $192 923.55 sound better isn't? For the third day in a row back to back, my non-registered keep exceeding its highest value ever.