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.