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Thursday, September 8, 2016

Parkland Fuel Corporation (PKI): a stock that know how to treat a lady investor

My latest stock investment was made in Parkland Fuel Corporation (PKI) inside my TFSA and for a reason that only concern God and all of the Saints, PKI decided to treat me like queen and gained 3.72%. Just like that, in your face sexy investors! Of course, when the TSX is on good shape, I am on top the world. I just want to continue enjoying the current market state. Because once it will be going all the way down again, my life will be miserable - just like every single time the market go downs. I don't want to hear a word regarding Brexit, Euro.... Europe need to deal with their problems in a very quiet matter.

My TFSA closed the session at $53 017.95 and my non-registered at $140 709.27. Its pretty good. I might be at a net worth of 173k right now. It just seem to all smoothly going to hit the 180k very soon, just like magic. But for that, I need a TSX in positive territory. Can the TSX possibly hit on the 15 000 points anytime soon? When it will does, I will let you know.

I have for believes that no investment portfolio can be absolutely perfect because there's just too much involve. Its a human being with hopes and fears that press the buy and sell button. I made very good investments in the past couple months, PKI, SIS, PLC, BRK.B, ADW.A, BYD.UN, KEG.UN, MSI... You cannot find better stocks anywhere else. 

I am very glamorous, however I carry on some investments that turn out to be some heavy dead stones. Among the way, I made some mistakes. And one of those mistakes was to invest in EnCana Corporation (ECA) inside my TFSA and non-registered account. In my non-registered account, I ECA had been bought at $28.78, and inside my RRSP, $31.09. I lost a lot of money in those 2 investments and I had been thinking lately about selling my ECA stocks, in both my non-registered and TFSA.

But is it a good time to sell EnCana Corporation (ECA) now?


This is EnCana Corporation chart since inspection, coming from the Globe and Mail. Today, I wouldn't invest a single penny in a stock that show such a chaotic chart, but unfortunately, those purchases in ECA had been made several years ago. 

However, the past 6 months had been good for ECA:

See, for the past couple months, EnCana Corporation (ECA) stocks value had gone all the way up.

And its the same thing for the past 5 days:

I am seeing encouraging signs and for now, I decided to let ECA be.

However, things are a bit uglier when it come to Just Energy Group Inc. (JE):

I bought my JE shares at $13.24. Just Energy closed today session at $7.24. So I basically lost half of my money on one stock alone. Chart since inspection is just chaotic. But does JE show any encouraging signs of recovery like the once show by ECA? NO.

For the past 6 months, JE went all the way down:


And for the past 3 months too:


For the past month, maybe we have hit a new time low:


For the past 5 days, it seem like JE is very trying hard to go up:


If I sell JE, its $436 in annual dividend that will be lost. Its something to think about. Lesson learn: junk stock that pay a too juicy dividend is to be avoid. Its like junk food, to be avoid.

Wednesday, September 7, 2016

Savaria Corporation (SIS) is not a stock, its a GOLD mine

Sometimes, the cash hide inside the most boring business of all time. And Savaria Corporation (SIS) is one of the kind. Go check the Savaria Web site for a minute and you'll exactly understand what I mean. Who could possibly think that SIS is a nice fit for any investors desperately trying to make money on the market? 

Well, Savaria Corporation (SIS) is my little secret that I am willing to share - but maybe should I keep this one all for myself. After all, you are reading for free. I don't received any kind of rewards for this. So be happy and jump on the occasion.
Some might be tempt by high tech industries, but I, on the other side, LOVE those kind of little boring industrial stocks. And its not too late now to enjoy Savaria free cash. Those kind of stocks are strong and grow strong. Another example is EnerCare Inc. (ECI). That one is even more boring... water heaters... I mean... LOL!!!

Inside my RRSP, Savaria Corporation (SIS) grow of 25.60% and inside my non-registered portfolio, it grow of 21.79%. And today, my gold mine decided to just reward me more and make a sexy jump of 3.96%. Lets' go SIS, I am following you closely.

Elevator business is not that of all boring after all! It is very very interesting business to be involve in after all. Now you know.

Tuesday, September 6, 2016

Welcome in my TFSA portfolio Parkland Fuel Corporation (PKI)

The TSX is not that far away from the 15 000 points. My non-registered portfolio closed at a good
$140 470.62 and my TFSA at $53 291.37. Chances are that I may be at $250 000 value right now. I finally sell all of the JFT Strategies Fund (JFS.UN) units that I was holding to inside my TFSA. I sell, but instead of buying CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) like plan, I change my mind and bought... tadam... Parkland Fuel Corporation (PKI). And the funniest thing is that I wrote yesterday that I didn't want to invest in anything related to oil anymore... lol

A reader post a comment about PKI a little while back and it just something that I kept in mind. I will eventually invest in CGI Group, but see, at this time, I just wanted to grow a bit my dividend income. And I am now so close of the 7k: $6 966.50. and it doesn't include any dividend earn inside my RRSP.

Agrium Inc. (AGU) merger with Potash Corporation of Saskatchewan Inc. (POT) may not happen anytime soon, but Enbridge Inc. (ENB) is not losing time. ENB announced today the acquisition of  Spectra Energy Corp. for 37 billion. This is an exciting news for investors who had been holding on to ENB for a long time. And just happen at a moment where I just didn't know what to think about oil anymore.

There's a lot of exciting news lately and if it continue like that, I will be celebrating a 200k net worth in no time.

Monday, September 5, 2016

WOW, look at the girl who has now a net worth of $172 576.76!

For this past Friday, my portfolio closed the session at $249 309.78. There wasn't missing much for a 250k! With $76 733.02 in debt, my net worth is now of $172 576.76. Like expected, the so wanted 170k had been reached. If the market play well, I could be very closed to a $200 000 net worth by the end of 2016. We'll have to wait and see. In the meantime, I am trying to minimize by spending to pay off my credit line as quickly as possible. 

Still $3 557.03 on the go. It is much harder for me to save money to pay debt rather than just saving for investing. Paying debt come with pain. That money become useless. Its very contrary to what I use to do. Anyway, I hope it will be paid off by the end of 2016. And after that, I would like to keep a 2k at the bank. And also eventually, I would like to reduce my margin usage down to the old $65 000 mark. And I also would like to invest $5 500 in my TFSA for 2017... And the list go on and on and on. I guess that in the between, I will be investing...

As you can see on my portfolio update, I still hold to JFT Strategies Fund (JFS.UN) in my TFSA, but that's only because I didn't have time to actually place the sell order. A future sell mean a future investment, especially if the sell occur in my TFSA. For the biggest part of the day yesterday, I went to all of the screens of Stockopedia, trying to find a stock that will pump up the value of my TFSA. Its unfortunate, but my investment in JFT Strategies Fund (JFS.UN)  is leaving me with a capital loss of $235. What I am looking for: an investment that pay dividend and that will also help me recover for that $235 loss and eventually will make me rich by GAINING capital. Gaining instead of loosing please. I am not against the fact of mutual or other kind of fund investing, but it have to pay off. Having to pay 1.5% in management fee for a money that doesn't create cash is insulting. Its annoying. Some people somewhere are making money on my back, and not only that, they cannot create capital gain! At a point, enough is enough.

A long weekend give me real time to do a real good stock screening on Stockopedia. Like a real good one. I finish the day all drain up because anxious, I really try not to miss on my next everything. Stockopedia screens are the best way to search for stocks when you have no idea what you are searching for. The TSX might have hundred of thousands of stocks registered. Its impossible to get through all of those stocks to figure out what to invest next. Screens like the one offer by Stockopedia help because it reduce the number of stocks you have to look into. Each screen have different criteria.

My stock screening on Stockopedia result with interesting findings. For this first rough round, I target stocks with high rocket chart. I confirm, I am now a good chart reader. Especially of those going all the way up:

TransForce Inc. (TFI)
Lucara Diamond Corp. (LUC)
Open Text Corporation (OTC)
CAE Inc. (CAE)
Innergex Renewable Energy Inc. (INE)
Boralex Inc. Class A Shares (BLX)
George Weston Limited (WN)
First National Financial Corporation (FN)
Intertape Polymer Group Inc. (ITP)
Morguard Corporation (MRC)
Altus Group Limited (AIF)
Canadian General Investments Limited (CGI)
Great Canadian Gaming Corporation (GC)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)
Spin Master Corp. Subordinate Voting Shares (TOY)
Whistler Blackcomb Holdings Inc. (WB)
Parkland Fuel Corporation (PKI)
Franco-Nevada Corporation (FNV)
Pacific Insight Electronics Corp. (PIH)
Guardian Capital Group Limited (GCG)
Clairvest Group Inc. (CVG)
Richelieu Hardware Ltd. (RCH)
Choice Properties Real Estate Investment Trust (CHP.UN)
Medical Facilities Corporation (DR)
Pacific Insight Electronics Corp. (PIH)
CanWel Building Materials Group Ltd. (CWX)
Altus Group Limited (AIF)
CCL Industries Inc. Unlimited Class B Non-Voting Shares (CCL.B)
Bank of Montreal (BMO)
Milestone Apartments Real Estate Investment Trust (MST.UN)
Allied Properties Real Estate Investment Trust (AP.UN)

I am already enough pack to my taste in the oil sector, and I prefer to avoid, but I have to say that Parkland Fuel Corporation (PKI) seem to be interesting. If I would had more money, I would be investing in this one. Back in May of this year, I showed an interest for Whistler Blackcomb Holdings Inc. (WB). I should had bought some WB stocks because now, the company is about to be acquired and a lot of money is going to be made. In other words, I miss a great opportunity. Too bad.

I had been holding on to Richards Packaging Income Fund (RPI.UN) in my RRSP portfolio, but ever since I bough the stocks, it went down, of less than $100, but I am thinking of making a switch, TransForce Inc. (TFI) could be a better match.

I don't want to get more involved in the banking or margin sector. With so many jobs lost in Canada, especially in Alberta, at some point, we'll feel the common pain. I don't like firm that specialize in the mortgage sector. In the other hand, I like REIT, but I am not looking forward to really add more REIT in my portfolio. I am looking for something different, despite not knowing exactly what I want to invest in... but now I know :-)

At this point, one stock really catch my interest doesn't pay any dividend. Its CGI Group Inc. Its in the IT business and their activities seem to be very diversify. Despite not paying any dividend, CGI Group Inc. is a really strong stock. This is the kind of investment I think that anyone can invest in to recover from capital loss. Its never fun to face capital loss. The only way to recover is to sell and reinvest the money to get back in the game. Its a circle that never end. I target a few stocks that could be good for those types of recovery: George Weston Limited (WN), Morguard Corporation (MRC), CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) and Dollarama Inc. (DOL). Once the money is recover, 3 options: to sell and reinvest in a dividend paying stock, hold, or sell partly and reinvest in a dividend paying stock.

Saturday, September 3, 2016

My investment portfolio on date of September 2, 2016

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.26
Bank of Nova Scotia (BNS): $8 101.75
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $4 209.61
Fortis Inc. (FTS): $4 717.75 
Pembina Pipeline Corporation (PPL): $19 638.24
Just Energy Group Inc. (JE): $6 243.52
Enbridge Income Fund Holdings Inc. (ENF): $11 505.55
Corby Distilleries Limited (CSW.A): $2 652.28
Davis + Henderson Corporation (DH): $6 607.49 
Premium Brands Holdings Corporation (PBH): $29 072.00
EnCana Corporation (ECA): $2 719.94
iShares S&P/TSX Capped REIT Index (XRE): $2 531.76
New Flyer Industries Inc. (NFI): $4 687.20
TMX Group Inc. (X): $458.40
K-Bro Linen Inc. (KBL): $4 443

WesternOne Inc. (WEQ):$20.90
Kinross Gold Corp (K): $865.23
TransCanada Corp (TRP): $1 516.50
Canadian National Railway Co (CNR): $7 649.10 
Enbridge Inc. (ENB): $1 490.16
Agrium Inc. (AGU): $3 315
Canadian Utilities Limited (CU): $1 594.32
Black Diamond Group Ltd (BDI): $110.50
Emera Inc. (EMA): $1 200.75
Cineplex Inc. (CGX): $1 273.50
BCE Inc. (BCE): $1 360.70
Stella Jones Inc. (SJ): $899.20
Saputo Inc. (SAP): $1 782.80
Lassonde Inc. (LAS.A): $2 020
Loblaw Companies (L): $862.68 
Savaria Corporation (SIS): $2 838

Alimentation Couche-Tard Inc. (ATD.B): $2 729.20
Stornoway Diamond (SWY): $976.80

TOTAL: $140 094.10

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 205.68
Apple Inc. (AAPL): $1 938.96 

Cash: $99.01

TOTAL: $4 216.42 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $55.62
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $975.80
Sprott Inc. (SII): $2 698.62
AltaGas Ltd (ALA): $1 041.30
CT Real Estate Investment Trust (CRT.UN): $1 495
Canadian National Railway Co (CNR): $3 399.60
Exchange Income Corporation (EIF): $8 080.02
Firm Capital Mortgage Investment Corporation (FC): $547.20
Brookfield Infrastructure Partners L.P. (BIP.UN): $2 844.90
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 200.90
JFT Strategies Fund (JFS.UN): $1 859
Laurentian Bank of Canada (LB): $988
The North West Company Inc. (NWC): $1 487
Andrew Peller Limited (ADW.A): $1 971.90
Barrick Gold Corporation (ABX): $943.60
Canadian Imperial Bank Of Commerce (CM): $1 560
Hydro One Limited (H): $2 648.22
Toronto-Dominion Bank (TD): $1 175.20
Boyd Group Income Fund (BYD.UN): $2 628
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 121
Keg Royalties Income Fund (The) (KEG.UN): $1 457.40
(DCM): $23.28 
Westshore Terminals Invest Corp (WTE): $4 762.68
Morneau Shepell Inc. (MSI): $1 710
Royal Bank of Canada (RY): $3 260
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $1 987.50Cash: $55.35

TOTAL: $52 990.01

RSP investment portfolio: 
Emera Incorporated (EMA): $12 103.56
EnCana Corporation (ECA): $1 372.68
Toronto-Dominion Bank (TD): $1 762.80
Barrick Gold Corp (ABX): $1 179.50
Stella Jones Inc. (SJ): $4 496
Telus Corp (T): $2 195
Alimentation Couche-Tard Inc. (ATD.B): $545.84
Royal Bank of Canada (RY): $1 630
Savaria Corporation (SIS): $1 892
Thomson Reuters Corporation (TRI): $2 201.60
Park Lawn Corporation (PLC): $2 918
Richards Packaging Income Fund (RPI.UN): $762.63
Cash: $122.47                                                                

CIBC Dividend Growth Fund: $739.30
CIBC Emerging Markets Index Fund: $476.33
CIBC Monthly Income Fund: $1 318.18

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

GIC National Bank: $1 307.98                                   

Manulife Fidelity NorthStar GIF CAP B: $1 492.51
Manulife Simplicity Growth Portfolio: $1 230.82
Maritime Life CI Harbour Seg Fund: $1 173.75
Maritime Life Fidelity True North Seg Fund: $1 211.21
Manulife GIF MLIA B World Invest: $1 072.28

Other various: $7 670.34

TOTAL: $51 954.53

Social Capital at Desjardins Membership share: $35
Pending online income: $19.72
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$249 309.78
(On date of September 2, 2016)

My deb situation on date of September 2, 2016

$3 557.03 at 4% = $142.29 in annual interest

$73 175.99 at 4.25% = $3 109.98 in annual interest

Total: $76 733.02
[In date of September 2, 2016]

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

Thursday, September 1, 2016

Saying goodbye to JFT Strategies Fund (JFS.UN)

Good news, I suspect my net worth to be at $170 000! Finally!! This weekend will be a good time to update my portfolio to officially find out if its the case or not. Surprise, surprise! We'll see if my flair is right or not.

Its hard to believe that we are now in September. Susan Brunner post a few days ago her review of the super uper Andrew Peller Ltd. Check it out! Susan also review recently another great stock that I hold in my portfolio, Savaria Corporation (SIS). My recent investment switch from ADW.B to ADW.A grow of 1.47%. There's a lot to be excited about when it come to Andrew Peller Ltd, espepcially when it come to their 3-for-1 stock split announcement. I LOVE stock split. I ADORE stock split. Usually, stocks who split gain in term of value and this time shouldn't be of an exception. So be ready for real hot capital gain and a lot of real cold fresh CASH. This is what I was made for.

With a dividend income of now $6 894 and... 18 cents, every penny count - I am only searching for ways to see that amount increase. Options are limited. Targeting stocks that pay a high dividend yield is not a good option. I am always amaze to see garbage articles coming from so call financial writer like Gordon Pape or even worst Rob Carrick actively promoting the hungriest for big juicy dividend yield. DANGER. You can be sure that the minute that a company announced a cut in dividend distribution - usually - stock value go all down. Its something I had experienced too many times. With Just Energy Group Inc. (JE) for example. It lead to very difficult situation. First - capital lost, and secondly, it leave the tiny small investor to a major decision: to sell the investment and declare a capital loss. Or keep things the way they are and hoping for a recovery in the value.Its the problem I am facing with Just Energy right now. I love JE too much to get rid of it ta this time.

I may have done a very wild move while buying penny stock Stornoway Diamond (SWY), the "Dividend Girl magic" didn't work out well  this time! SWY value is quite boring and it doesn't move that much, at the exception of the stock market opening. SWY went down as soon as I get in the game. I am mostly a very conservative investor. SWY investment was made to satisfy my taste of excitement which I have now enough for the rest of the year 2016. Oh yeah!

An easy way to earn more dividend is to get rid of investment that don't pay any dividend distribution. I hold some JFT Strategies Fund (JFS.UN) units in my TFSA. JFS.UN doesn't pay any dividend. And it cost me 1.5% in management fee. Currently, JFS.UN is down of $216 in my portfolio. And its been like this for a long time now. For way too long. And its annoy me. I am paying management fee for nothing at all. And the fund is not giving me anything in returning. It seem like Jean-François Tardif magic is no longer working. Maybe he should start using Stockopedia!!!! I am very upset that Jean-François Tardif is not able to deliver more than that. Its a shame.

Big name like that, and even Eric Sprott use to be hot, and make their investors collect gold. That was before 2008. Since 2008, a lot of stars are stars no more. Small investors like myself are more able to generate income and capital gain than any of those fresh stars. Its because the game had changed and what use to work before doesn't work that well anymore. Their little gamics are not working anymore. In volatile market, nothing pay more than following the good old investing rules, rules that were never followed by those big names who are completely lost and are only there to make us lose time and money.

I am not stupid enough to continue holding to JFT Strategies Fund (JFS.UN) like a complete jerk when the fund doesn't generate any capital gain and, even less, any dividend distribution. So its over. I am selling all of my JFT Strategies Fund (JFS.UN).

Thank you

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