Welcoming a net worth of $200 325.69

Its not an April fool joke, despite being post on an April 1th... I wouldn't joke about this anyway, as I  had been waiting forever and checking on my net worth every day for the past few days. I knew it was coming!

Following 10 years of investment and constantly blogging about it, I am finally sitting on my small fortune of $200 000. The very exact amount being $200 325.69! Once the rent of this month will be taking off, my net worth will be of $199 675.69, but that's only details. I am just happy its happening now so I can just move on. If the TSX work in my favor, I could hit on the 250k really quickly, in probably 2 years or so. And after that, hitting on the $300 000 will be easy as 1-2-3....

My debt situation on date of March 31, 2017

$86 206.83 at 4.25% = $3 663.79 in annual interest

[In date of March 31, 2017]

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

My investment portfolio on date of March 31, 2017

Non registered Investments:
Cold cash: $5 017.79
  
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.27
Bank of Nova Scotia (BNS): $9 100.26
Blue Note Mining Inc. (BLNMF): $1.72
Methanex Corporation (MX): $6 412.78
Fortis Inc. (FTS): $5 108.64
Pembina Pipeline Corporation (PPL): $21 072.06
Just Energy Group Inc. (JE): $7 630.28
Enbridge Income Fund Holdings Inc. (ENF): $12 000.30
Corby Distilleries Limited (CSW.A): $2 743.75
Premium Brands Holdings Corporation (PBH): $39 463.20
iShares S&P/TSX Capped REIT Index (XRE): $2 519.44
New Flyer Industries Inc. (NFI): $5 292
TMX Group Inc. (X): $537.04
K-Bro Linen Inc. (KBL): $3 915
WesternOne Inc. (WEQ): $15.70
TransCanada Corp (TRP): $1 534
Canadian National Railway Co (CNR): $8 833.50
Enbridge Inc. (ENB): $1 558.20
Agrium Inc. (AGU): $5 837.40
Canadian Utilities Limited (CU): $1 631.70
Black Diamond Group Ltd (BDI): $20.50
Emera Inc. (EMA): $1 172.75
Cineplex Inc. (CGX): $1 259.50
BCE Inc. (BCE): $1 295.36
Saputo Inc. (SAP): $1 832
Lassonde Inc. (LAS.A): $2 280.10
Loblaw Companies (L): $864.72
Savaria Corporation (SIS): $7 044.75
Stornoway Diamond (SWY): $1 415.40
Open Text Corporation (OTEX): $1 806
Canadian Imperial Bank Of Commerce (CM): $3 436.50
ATCO Ltd. (ACO.Y): $3 105

TOTAL: $160 813.86

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 332.72
Coca-Cola Company (The) (KO): $1 442.62
Cash: $33.99

TOTAL: $3 742.59 CAN 

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $62.25
Dumont Nickel Inc. (DNI): $20.09
RioCan Real Estate Investment Trust (REI.UN): $915.25
AltaGas Ltd (ALA): $923.70
CT Real Estate Investment Trust (CRT.UN): $1 496
Canadian National Railway Co (CNR): $3 926
Exchange Income Corporation (EIF): $9 360
Firm Capital Mortgage Investment Corporation (FC): $557.20
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 444.47
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 182
Laurentian Bank of Canada (LB): $1 168
The North West Company Inc. (NWC): $1 583
Andrew Peller Limited (ADW.A): $3 766.29
Barrick Gold Corporation (ABX): $1 010
Canadian Imperial Bank Of Commerce (CM): $1 718.25
Hydro One Limited (H): $2 441.17
Toronto-Dominion Bank (TD): $1 332.20
Boyd Group Income Fund (BYD.UN): $2 539.50
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 329.60
Keg Royalties Income Fund (The) (KEG.UN): $1 400
Data Communications Mgmt (DCM): $15
Westshore Terminals Invest Corp (WTE): $5 673.85
Morneau Shepell Inc. (MSI): $1 791
Royal Bank of Canada (RY): $3 875.20
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 200.50
Parkland Fuel Corp (PKI): $1 889.28
Stornoway Diamond (SWY): $1 537.20
Park Lawn Corporation (PLC): $1 042.80
Toromont Industries Ltd (TIH): $1 856.80

Cash: $160.54

TOTAL: $61 217.14

RSP investment portfolio:
Emera Incorporated (EMA): $12 102.78
EnCana Corporation (ECA): $1 674
Toronto-Dominion Bank (TD): $1 998.30
Barrick Gold Corp (ABX): $1 262.50
Telus Corp (T): $2 157.50
Alimentation Couche-Tard Inc. (ATD.B): $480
Royal Bank of Canada (RY): $1 937.60
Savaria Corporation (SIS): $2 817.90
Thomson Reuters Corporation (TRI): $2 296.80
Park Lawn Corporation (PLC): $3 476
Richards Packaging Income Fund (RPI.UN): $858
Toromont Industries Ltd (TIH): $324.94
Cash: $3 939.25
Total: $35 325.57                                         

CIBC Dividend Growth Fund: $793.08
CIBC Emerging Markets Index Fund: $511.99
CIBC Monthly Income Fund: $1 385.81
Total: $2 690.88                        

Energy and Base Metals Term Savings (Indexed term savings): $577.3
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 312.89                                  

Manulife Fidelity NorthStar GIF CAP B: $1 255.81
Manulife Simplicity Growth Portfolio: $1 292.80
Maritime Life CI Harbour Seg Fund: $1 221.03
Maritime Life Fidelity True North Seg Fund: $1 526.79
Manulife GIF MLIA B World Invest: $1 096.50

Other various: $4 686.17 + $2 641.80 + $1 480.90: $8 808.87

TOTAL: $55 610.89

Social Capital at Desjardins Membership share: $35
Pending online income: $57.71 + $37.54
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$286 532.52

Just Energy Group Inc. (JE) celebrating its 20th birthday in New York City!

Wowww! First, the TSX lost a couple points, but it doesn't matter. My non-registered portfolio is up at $160 779.84, which is an increase of $294.84 compare to yesterday. Good, but I am missing $1 700.27 for a 200k net worth... But surprise, I received my federal tax refund today, close to $300... And tomorrow is... PAYCHECK day baby. PAYCHECK. I think that tomorrow could be the happy day, we'll have to wait and see. Anyhow, its not today that I had reach my first $200 000 net worth, but today was the birthday of Just Energy Group Inc. (JE)! Yeah! I would had been too cool that both things happen on this special day. 

One thing for sure, once I will be happily sitting on a $200 000, it will be my fortune and I will shake my ass just like Iggy Azalea (I don't know how she does it, but her jello ass swing a lot! lol!!!) but you won't get to see it unless I finish in a strip club which could happen, you never know. What a good tune to burn gym pants on. Listen to the song for itself please or imagine that I am one of the chick in the video. Do as you wish...

I had been holding on to JE for a very very long time in my portfolio. I lost a couple of thousands on the title, but at least, its paying good dividend. And who knows, maybe JE will go up again. And today, Rebecca MacDonald and her senior staff were at the New York Stock Exchange to ring the Bell of the market. What a moment! Ding-ding-ding-ding! 

Rebecca MacDonald is quite an extraordinary woman and I am a mega fan of her. She had started Just Energy out of nothing. You might want to read about her story. She's one kind of a lady with wonder skills and killer instincts. I am proud to be a shareholder of Just Energy Group Inc. (JE) for those reasons. But I have to say, I would like to recover from those capital loses. There's always hope since I still hold to my old time shares.

In my opinion, Just Energy Group Inc. (JE) is an honest company. JE may have ring the bell in the US, but its in Canada that we have the best stock market of the world. And some Quebeckers are not aware of that. And think they are better, and want Quebec province to separate and become a country of their own. Shame on them. But that is only the tip of the iceberg. In Canada, Quebeckers are well known for their lack of integrity. The mass is not properly educated and articulated. And they are among the worst cheaters and liars, its actually quite incredible. I personally think its because of their very direct French heritage. Ok, I can hear you saying - yeah, but you are Acadian, you are French too right? Not exactly. Deportation was sadly benefit in many strange way - it had killed for good all links to our French heritage, so the culture is not French, but properly Acadian, and we have to speak a language, so it was French. We were not to speak English like our UK enemies at least. I am not exactly proud of my in deep French roots, but who fuck with who before to get to me is not something that obsess me either way. Quebeckers are hypocrite like only French of France can be. They are poisonous and sick people and their province is as fuck up as France is. I am not French!

This being express, over the years, Bombardier Inc. had benefit from millions and millions of dollars in tax money paid by Canadians. And that being for which purpose please? To give millions and millions to the idiots who are not able to deliver the C series properly. And the most hilarious thing of all is that Bombardier Inc. (BBD.B) trade at a tiny little $2.09 per share on the TSX. The company has no trading value what so ever. And its a good thing.

Investors need to stay away from such disastrous companies. I am now your best friend and you must know: don't invest a single penny in Bombardier Inc. (BBD.B). The TSX is the dream to any Canadian and foreign investors. If I am about to make it to the 200k without investing that much, always small amount over time, its because the TSX is the best stock market of the world. I never fail at finding new fabulous stocks on the TSX. I am doing even better than Jean-François Tardif, my way of investing had been more profitable than his poorly manage JFT Strategies Fund (JFS.UN). If you hold any of JFT Strategies Fund in your portfolio, your a total loser. Because you can do better on ACO.Y, just to name that one. 

You should never consider investing in a fund manage by a Quebecker, all a bunch of money sucker who are extremely incompetent. Now you are aware, so be smart. and try to survive to the hell of Quebec province. Each day is a new fight and don't come too close or I will knock you out.

Surprise surprise, my net worth is now at $198 299.73

Its an official number, I just published a portfolio update. It was a short one, but I had a feeling it wasn't about to happen yet... I am only missing $1 700.27 to hit on the so wanted $200 000 net worth. I hope it will happen soon so I can move on to something else, a bit more exciting... 

My first $300 000 net worth. I am soon going to pop up to the 200k, its only a matter of days now. And once at 200k, we'll be in real business.

My debt situation on date of March 29, 2017

$86 288.90 at 4.25% = $3 667.28 in annual interest

[In date of March 29, 2017]

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

My investment portfolio on date of March 29, 2017

Portfolio

Non registered Investments:
Cold cash: $3 517.29   
 
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.27
Bank of Nova Scotia (BNS): $9 285.12
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 590.97
Fortis Inc. (FTS): $5 139.96
Pembina Pipeline Corporation (PPL): $21 272.46
Just Energy Group Inc. (JE): $7 549.08
Enbridge Income Fund Holdings Inc. (ENF): $12 018.40
Corby Distilleries Limited (CSW.A): $2 780
Premium Brands Holdings Corporation (PBH): $38 590.88
iShares S&P/TSX Capped REIT Index (XRE): $2 527.14
New Flyer Industries Inc. (NFI): $5 277.96
TMX Group Inc. (X): $538
K-Bro Linen Inc. (KBL): $3 902
WesternOne Inc. (WEQ): $16.40
TransCanada Corp (TRP): $1 546.25
Canadian National Railway Co (CNR): $8 853.30
Enbridge Inc. (ENB): $1 564.36
Agrium Inc. (AGU): $5 829.58
Canadian Utilities Limited (CU): $1 641.36
Black Diamond Group Ltd (BDI): $96.50
Emera Inc. (EMA): $1 176.25
Cineplex Inc. (CGX): $1 256.75
BCE Inc. (BCE): $1 296.02

Saputo Inc. (SAP): $1 849.60
Lassonde Inc. (LAS.A): $2 298.40
Loblaw Companies (L): $867.96
Savaria Corporation (SIS): $6 777.10
Stornoway Diamond (SWY): $1 449.10
Open Text Corporation (OTEX): $1 812.80
Canadian Imperial Bank Of Commerce (CM): $3 516
ATCO Ltd. (ACO.Y): $3 165

TOTAL: $160 485.08

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 332.72
Coca-Cola Company (The) (KO): $1 442.28
Cash: $33.99

TOTAL: $3 756.18 CAN 

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $60.12
Dumont Nickel Inc. (DNI): $21.53
RioCan Real Estate Investment Trust (REI.UN): $911.75
AltaGas Ltd (ALA): $931.20
CT Real Estate Investment Trust (CRT.UN): $1 510
Canadian National Railway Co (CNR): $3 934.80
Exchange Income Corporation (EIF): $9 331.20
Firm Capital Mortgage Investment Corporation (FC): $561.20
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 479.31
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 182.90
Laurentian Bank of Canada (LB): $1 182.40
The North West Company Inc. (NWC): $1 543.50
Andrew Peller Limited (ADW.A): $3 766.29
Barrick Gold Corporation (ABX): $1 022.80
Canadian Imperial Bank Of Commerce (CM): $1 758
Hydro One Limited (H): $2 425.01
Toronto-Dominion Bank (TD): $1 322.60
Boyd Group Income Fund (BYD.UN): $2 519.10
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 342.20
Keg Royalties Income Fund (The) (KEG.UN): $1 415.40
Data Communications Mgmt (DCM): $12.18
Westshore Terminals Invest Corp (WTE): $5 581.40
Morneau Shepell Inc. (MSI): $1 759.50
Royal Bank of Canada (RY): $3 927.60
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 203.50
Parkland Fuel Corp (PKI): $1 914.88
Stornoway Diamond (SWY): $1 573.80
Park Lawn Corporation (PLC): $1 014
Toromont Industries Ltd (TIH): $1 846.40

Cash: $137.61

TOTAL: $61 192.18

RSP investment portfolio:
Emera Incorporated (EMA): $12 138.90
EnCana Corporation (ECA): $1 711.80
Toronto-Dominion Bank (TD): $1 983.90
Barrick Gold Corp (ABX): $1 278.50

Telus Corp (T): $2 157
Alimentation Couche-Tard Inc. (ATD.B): $478.80
Royal Bank of Canada (RY): $1 963.80
Savaria Corporation (SIS): $2 710.84 
Thomson Reuters Corporation (TRI): $2 317.20
Park Lawn Corporation (PLC): $3 380
Richards Packaging Income Fund (RPI.UN): $858.33
Toromont Industries Ltd (TIH): $323.12
Cash: $3 939.25                                         

CIBC Dividend Growth Fund: $795.07
CIBC Emerging Markets Index Fund: $521.38
CIBC Monthly Income Fund: $1 385.83                            

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: $1 259.53
Manulife Simplicity Growth Portfolio: $1 295.19
Maritime Life CI Harbour Seg Fund: $1 221.02
Maritime Life Fidelity True North Seg Fund: $1 522.02
Manulife GIF MLIA B World Invest: $1 106.06

Other various: $8 767.47

TOTAL: $55 507.65

Social Capital at Desjardins Membership share: $35
Pending online income: $57.71 + $37.54
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$284 588.63

My net worth is now at $196 869

ATCO Ltd. (ACO.Y) and Toromont Industries Ltd (TIH) both made great gains today. I am very impress by ACO.Y, I wasn't expecting the stock to perform so well really quickly. ATCO Ltd. has very solid foundation. It build itself, but not only, during Alberta boom economy in oil. But to be able to survive and do so well now, the company is taking it grow from its well diversified business and it make it a must in any portfolio. At a time where I am just super closed of reaching 200k in net worth, I really needed a stock like ATCO Ltd. (ACO.Y) and I have to say that I am beating up all of the pretty ass of all the way any financial advisors, any mutual fund managers, any hedge fund managers. Isn't a lovely picture? My stocks are making my anonymous glory and everything is out there for you to enjoy. No commission need to be pay, I work for free for the people. And as long I am alive, I will be blogging, and showing my love for my stocks. Because its really what its all about, I am a femme fatale just looking for her newest everything investment, just like if I were looking for a new lover. NEXT please. I use, sell and buy whenever I want. I don't need anyone permission. I am all in with my money and margin cash.

Its hard to believe, but the baby is really about to arrive! My net worth is now at $196 869, if not even a bit more. I am guessing a $197 300. Anyhow, as soon as I feel that I am at the special $200 000 place, I will have to post a portfolio update. Its quite exciting. I am like a mother expecting a child. You know its coming, but not exactly when. For my part, sexy mamma think it could happen by next Friday if the TSX go in the right direction. And after that, I will be a hurry for my first $300 000 next worth. There's no end to this thing, its a monster with many many heads that is popping up among the way. But I am not scare of the monster. I actually love him a lot. If my portfolio could be a man, he would be perfect.

I just really hope that you'll all be as smart as I am and that you'll all invest in at least ATCO Ltd. (ACO.Y) and make me move that stock. I am from now on and always your favorite stock pusher who wear lipstick so she wouldn't be tempted to buy any coffees at work. It actually work for today, but got stock in a mid-afternoon drama where I was feeling asleep like I had no energy and I needed a nap. That's what happen when your addicted to caffeine. Life can get hard.

My best secret unknown stock that is a must to any investment portfolio: ATCO Ltd. (ACO.Y)

My newest investment proud is definitively ATCO Ltd. (ACO.Y). Toromont Industries Ltd (TIH) is also really great. Sometimes, an investment doesn't rock on right away inside a portfolio. It need to take its air and relax. Others are in the act immediately, and its been the case with my investment in ACO.Y. At this turning point where I am so super close of my first $200 000 net worth, I need to hold on to only the best investments and only the best. I cannot lose money, I need to make money. I need great dividend income distribution. And I am currently at an annual dividend income of $7 322.03 or the equivalent of $610.17 / month - excluding my RRSP distribution.

Its great to keep track of dividend income, but its dangerous at the same time to focus exclusively on dividend distribution. Stock paying over 5% in dividend yield should be considered as dangerous and risky investments. Stock that pay a high dividend income are mostly tempt to reduce their dividend distribution and when a distribution cut is being announced, the stock value usually plunge. And its when you'll lose money. I hold some of those in my investment portfolio. Another thing to know is that my portfolio is a great work of perfection - but its not perfectly perfect. I wouldn't like anyone to actually replicate my portfolio exactly the way it is now. Take the best of me and drop the rest. Learn from my mistakes. But know that ACO.Y is a rocket. Its my newest mine of gold. My newest everything.

ATCO Ltd. (ACO.Y) is a very big company, well diversify in different fields. Its actually difficult for me to resume the activities of the company in a few words, but check it out of their Web site. ATCO also have activities outside Canada. So far, ATCO Ltd gain 1.96% inside my non-registered portfolio. I like to invest in family business that is still being own by a family member. That way, I am being sure that management is really doing everything that is possible to ensure the success of their business. 

Among family business that I own in my portfolio, we have: Just Energy Group Inc. (JE), Saputo Inc. (SAP), Loblaw Companies (L), Savaria Corporation (SIS) and Andrew Peller Limited (ADW.A) - just to name those.

Hot tips on how to manage your money like a super pro

I consider having a low income, even being in the second tax bracket. Its hard to save money, but if you are creative enough, its possible to save money. Overtime, I came with the idea that the ability to save money is a gift. You are naturally born as a saver or a spender. Its possible to fix bad spending habits, but from my experience, its extremely hard to share the importance of saving money to heavy spenders. In my case, its even cost me a friendship. I could no longer stand the other person spending habits and time and distance helping, I no longer have any contacts and its better that way. Because you can really burn yourself out repeating over and over the same thing. I find that heavy spenders often have social problems - its really important for those individuals to fit in, have many friends, go out a lot, be well dress; look and appearance being extremely valuable for them.

I am from those who were born natural savers. I never had any problems to save money. I was actually a better saver when I was making less money and that my job situation was less stable. Because when I didn't have regular paycheck, I wasn't going to the hairdresser every 6 weeks or so, I didn't buy as many clothes and beauty products. My ultimate failure is beauty products but because of it, I don't have any wrinkles yet and I hope to remain intact for the next 10 years.

This being said, here's the kind of spirit that is needed when you need to come over with some drastic saving habits: whenever you spend money, the money is lost, its no longer yours. So if after knowing that, you still cannot cut on your spending, its mean you have a problem. And good thing is, its not my problem. When it come to money, selfishness is around. I thing the general population had really poor knowledge on how to handle money. When I was working at BMO Bank of Montreal in their call center located in Montreal, I was receiving many desperate calls. I once got the call of a lady desperately crying to have access to the money she has in BMO mutual funds. She wanted the money right away, but it was impossible. It was really sad. Overall, what shocked me the most was the cross selling that we were force to perform. And also the fact that there's many Canadians out there who don't have any saving at all and live on paycheck per paycheck. There can be many reasons for this, but its always possible to save money. I come with no silver spoon in my mouth, I had to pay for my studies, for basically everything that come with it. I left home in my young twenties because I quickly realize there was no work for me in my hometown. And after, I became super rich, if you considered a net worth of $194 979.33, maybe even 195k - my latest evaluation - as being super rich... I do.

The failure in our system is that we don't teach anything about finance in high school. People don't get to heard about the stock market unless they come from a rich entourage or are doing the search by themselves. And its a real big problem. Because when come the adult life, its not the time to learn about the basics. And if on top on that you don't know how to save money, them, your adult life is really starting the wrong way. Is is something that Justin Trudeau will come with one day to help Canadians create richness for themselves? Hell no, the man is ridiculous and doesn't have any ideas of what to do to help Canadians succeed. The only thing Justin Trudeau did was to give out massive amount of money to Canadians. But giving out money won't serve at nothing. Warren Buffett understood that a long time ago. That's why he only pay for the studies of his great children and nothing more. 

It was more easy for Justin Trudeau government to give money to families in form of allocation rather than coming out with tangible programs that will benefit to all. Canadians made a really bad choice by electing him as Prime Minister. And now, that lunatic man is going to ruin our future. We won't see the end of this deficit. It create a trauma and because he gave so much money away, there's nothing left for programs or to create great stuff. I think Justin Trudeau is an incompetent.

Now come the best part, fuck Trudeau, how to manage your money like a Dividend Girl:

-Live below your need.

-Don't blow your budget on renting. Go with something smaller than bigger. The goal is not to spend too much on your rent. Don't spend too much on furniture. Go to iKea, I thing they have the best deals, but shop around if you really need something. Prefer really basic furnitures. Don't spend a dime at decorating. My apartment is really plane and not stylish at all - but not being is your new way starting now.

-Go to the gym instead of doing anything else that could lead you to spend money: that way, you won't spend money. And you'll get a sexy body to die for. 

-Live every week like a brand new, table rase, one to set new goal and be serious about it. Forget about the past mistakes.
-Eat breakfast home.
-Try not to buy morning coffee (very hard!) - if your a girl, but some nice lipstick on. You won't get your morning coffee because you don't want to destroy the good looking color standing on your lips...
-Live on cash. What's your monthly budget? Keep the money for your rent in the bank and withdraw the rest. That's what you have in your hands is for the month - do or die!
-And of course, bring your lunch home.
-Don't color your hair - I stop coloring mines and I may have safe plenty among the way.

Just a few tips for now to keep in mind. This week, I bought two purses at Fafa and a Laura Mercier lipstick. I barely wear makeup anymore, but lipstick is a must not to look ordinary. I have a thing for those Fafa purses. Wonder what my failing is about? Go check it here.

I hope you enjoy.