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Monday, April 24, 2017

Welcoming a net worth of $$204 277.66!

With a TSX at 15 712.46 points, I knew it was it. I knew I was at my new newest highest value ever. My overall portfolio is now at $291 084.99 and my net worth is at $204 277.66. Not too bad!

My debt situation on date of April 24, 2017

$86 807.33 at 4.25% = $3 689.31 in annual interest

[In date of April 24, 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 April 24, 2017

Non registered Investments:
Cold cash: $4 247.97
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.27
Bank of Nova Scotia (BNS): $9 122.49
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 341.71
Fortis Inc. (FTS): $5 143.44
Pembina Pipeline Corporation (PPL): $22 203.46
Just Energy Group Inc. (JE): $7 593.64
Enbridge Income Fund Holdings Inc. (ENF): $12 349.26
Corby Distilleries Limited (CSW.A): $2 806.25
Premium Brands Holdings Corporation (PBH): $40 295.02
iShares S&P/TSX Capped REIT Index (XRE): $2 565.64
New Flyer Industries Inc. (NFI): $5 384.88
TMX Group Inc. (X): $619.76
K-Bro Linen Inc. (KBL): $3 920
WesternOne Inc. (WEQ): $14.90
TransCanada Corp (TRP): $1 588.50
Canadian National Railway Co (CNR): $9 198.90
Enbridge Inc. (ENB): $1 598.24
Agrium Inc. (AGU): $5 697.56
Canadian Utilities Limited (CU): $1 635.06
Black Diamond Group Ltd (BDI): $95.25
Emera Inc. (EMA): $1 193.25
Cineplex Inc. (CGX): $1 328.75
BCE Inc. (BCE): $1 351.24
Saputo Inc. (SAP): $1 807.20
Lassonde Inc. (LAS.A): $2 420
Loblaw Companies (L): $884.16
Savaria Corporation (SIS): $7 494.20
Stornoway Diamond (SWY): $1 381.70
Open Text Corporation (OTEX): $1 858.40
Canadian Imperial Bank Of Commerce (CM): $3 391.80
ATCO Ltd. (ACO.Y): $3 015

TOTAL: $164 299.94

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 326.24
Coca-Cola Company (The) (KO): $1 471.52
Cash: $33.99

TOTAL: $3 827.39 CAN 

Tax-free savings account (TFSA):

EnerCare Inc. (ECI): $62.85
Dumont Nickel Inc. (DNI): $20.09
RioCan Real Estate Investment Trust (REI.UN): $926.10
AltaGas Ltd (ALA): $926.40
CT Real Estate Investment Trust (CRT.UN): $1 488
Canadian National Railway Co (CNR): $4 088.40
Exchange Income Corporation (EIF): $9 061.60
Firm Capital Mortgage Investment Corporation (FC): $554
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 559.04
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 245.30
Laurentian Bank of Canada (LB): $1 186.20
The North West Company Inc. (NWC): $1 587.50
Andrew Peller Limited (ADW.A): $3 797.80
Barrick Gold Corporation (ABX): $1 028.40
Canadian Imperial Bank Of Commerce (CM): $1 695.90
Hydro One Limited (H): $2 452.28
Toronto-Dominion Bank (TD): $1 333.60
Boyd Group Income Fund (BYD.UN): $2 617.50
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 422.70
Keg Royalties Income Fund (The) (KEG.UN): $1 437.80
Data Communications Mgmt (DCM): $13.38
Westshore Terminals Invest Corp (WTE): $5 652.35
Morneau Shepell Inc. (MSI): $1 800
Royal Bank of Canada (RY): $3 842.80
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 283
Parkland Fuel Corp (PKI): $1 891.20
Stornoway Diamond (SWY): $1 500.60
Park Lawn Corporation (PLC): $1 140
Toromont Industries Ltd (TIH): $1 860
Cash: $315.52

TOTAL: $61 790.31

RSP investment portfolio:
Emera Incorporated (EMA): $12 314.34
EnCana Corporation (ECA): $1 577.88
Toronto-Dominion Bank (TD): $2 000.40
Barrick Gold Corp (ABX): $1 285.50
Telus Corp (T): $2 229
Alimentation Couche-Tard Inc. (ATD.B): $489.60
Royal Bank of Canada (RY): $1 921.40
Savaria Corporation (SIS): $2 997.68
Thomson Reuters Corporation (TRI): $2 327.60
Park Lawn Corporation (PLC): $3 800
Richards Packaging Income Fund (RPI.UN): $976.80
Toromont Industries Ltd (TIH): $325.50
Cash: $3 978.77

Total: $36 224.47                                      

CIBC Dividend Growth Fund: $796.05
CIBC Emerging Markets Index Fund: $520.51
CIBC Monthly Income Fund: $1 395.63
Total: $2 712.19                         

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

GIC National Bank: $1 315.37                           

Manulife Fidelity NorthStar GIF CAP B: $1 533.16
Manulife Simplicity Growth Portfolio: $1 299.95
Maritime Life CI Harbour Seg Fund: $1 220.21
Maritime Life Fidelity True North Seg Fund: $1 267.59
Manulife GIF MLIA B World Invest: $1 125.82

Other various: $4 792.64 + $1 486.90 + $2 651.96: $8 931.50

TOTAL: $56 810.01

Social Capital at Desjardins Membership share: $35
Pending online income: $57.71 + $51.66
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$291 084.99

Sunday, April 23, 2017

My non-registered portfolio is now at a mega-pow-wow: $163 472.34!!!

This past Friday, my non-registered portfolio closed at $163 472.34, my TFSA at $61 359.05 and RRSP (stocks only) $36 003.03. I estimated my net worth to be of $203 232.89. If my assets just continue to grow this easily, I will be hitting on the 250k in less than 2 years. I prefer to focus on the capital gains rather than on dividend because its much easier and it seem like that portfolio of mine only want to grow. 

Its seem like Wall Street was affected by the elections in France. The way the elections are being conducted in France is really interesting. I like their 2 election rounds system - at least one thing I like of France. No real surprise, in this first round, Macron and Le Pen won. Its not the first time in history that the Front National move on to the second round. If I am not mistaking, back in 2002, Jean-Marie Le Pen and Jacques Chirac were the two candidates for the second election round. I had the feeling that the vast majority didn't want of Jacques Chirac, but medias and personalities pushed the vote in his favor. Jean-Marie Le Pen wasn't an option. The Front National represented and still represent a real danger for France. Its a party of all extremes that closed its door to the Euro and to immigrants. I am not in favor of Muslims myself and immigrants generally speaking, but France being France, located in Europe, its normal to find more immigrants in Europe rather than in Canada. There's some problems that need to be resolve within the Euro zone and it request a real open leadership like the one that Macron can provide. Marine is the direct continuity of her father Jean-Marie Le Pen. The problem with the Front National is that immigrants are totally excluded from their program. The FN is not an open government and its not a government who have the answers to properly deal with the current problems they have in France. Macron need to win so immigrants can stay in France and not overcrowd us in Canada and let Canadians occupy the jobs that we deserve.

In many ways, I could be a Front National activist, but I know the party too well to be in favor of it. It will be all too long to explain. But let say quickly that its not because I am not in favor of immigration that I am racist. I am in favor of Canadians and our government do not make enough for Canadians. We don't have any work system to make sure that businesses across the country hired Canadians before hiring immigrants. Under Justin Trudeau, we are not safe. And we are not rich enough as a country to welcome the immigrant mass coming right now from the US, and that may come also from as far as France if Le Pen won the second round. Its a matter of common sense.

There's no doubt in my mind, Macron is going to win the second run. It will be just like in 2002, medias and French personalities will all stand behind Marcon. I think French people will do the right choice. I think they understand the necessity of being part of Europe. In difficult times, the timing is not right to go cut link to Europe like the Brits did. For once, French need to be better than the English.  

All this political analysis had been done, I can now say that my annual dividend income, excluding the dividend earn inside my RRSP, is at $7 339.85. Not bad considering that it take thousands and thousands of dollars in investment to reach that amount of cash in dividend. Dividend income need to be seen as a bonus, and not as a goal or a necessity. To protect your capital, you need to invest in quality and quality stock will pay a reasonable dividend that grow overtime. The amount earn now might seem as small, but you should always invest like me for the long run. If not, you'll invest in junk stocks and lose money. Once again, its a matter of common sense. You need to be strong like rock and only trust your Dividend Girl.

Wednesday, April 19, 2017

Because a $163 003.95 non-registered portfolio is better than anything else

You may had notice, I got a little problem with my fabulous domain, but I am now back and running as beautiful as ever before. I just came back yesterday from a little trip in New Brunswick. I didn't have a direct Internet access and I didn't bother to access, like I do most of the time when I go to New Brunswick. And what about my portfolio during that time? It did fantastically well. And more strangely, it felt good to be back in Montreal. Its nice to be where I am from when the weather is nice, but we actually got snow and I only had my autumn coat, as I had left my newest Ivanka Trump winter coat at home... And when I wake up this morning, I was very tired, as I try to fix my domain problem. I was able to get it fix during the day. I never called sick at work, but its a good thing I didn't as another girl had called sick today... It was in the air.

Can you really believe what you had just read? I actually never miss a single day of work of my life! Fact is, I am never ever sick. This girl is really as strong as her portfolio. Because guess what, despite the fact that the TSX lost 69.69 points, my non-registered portfolio closed today session at very good $163 003.95. Today is an historical date. My non-registered portfolio never been so high. And its quite self-satisfying knowing that the special even is happening today, on a day where the TSX had almost lost 70 points. So just keep reading because you really never know what can happen around here! This is what happen when you are holding on desperately to the best of the best TSX stocks.

My TFSA account is at $61 464.97 and my RRSP at $35 852.93. This lead my net worth to an approximate $209 013.71. Its really getting closer to the 250k, that's for sure!!!

Its all good and nice, but I am looking to beef up my saving account with a few thousands more to cover the costs of upcoming vacations - some other ones - and also, nothing new, but I would like to pay down my margin, even if my non-registered portfolio is strong enough to support it. Things are going well for now, but we don't know what tomorrow will be made of. I like Donald Trump, but right now, thanks to Justin Trudeau, he's treating Canadians like complete idiots. And I am quite scare.

Tuesday, April 11, 2017

Saying hello to a $162 244.65 non-registered portfolio

My non-registered portfolio closed yesterday session at its very highest ever: $162 263.48, leaving me with a somewhat punch in the stomach of the bitch because the 160k was the breaking point - in the sense that it was the highest value ever reached, but now the highest of the highest ever is 162k. And it look to me that I will be on the 170k mark really soon, making somewhat of a reality a $250 000 net worth, in a couple of months. Those days, the stock market is obeying me and I am its queen, with my new Ivanka Trump coat.

Today, the same portfolio closed at $162 244.65. My TFSA account is at $61 536.01. I have many stocks to follow, but its not as difficult as it look, especially when I had been holding to some of them for years, saw them grow and build on great capital gain on. I take more time to check on newest acquisitions, and one of those is Morguard North American Residential Real Estate Investment Trust (MRG.UN). Good dividend and good grow.

I found that stock by using Stockopedia. MRG.UN had been in my big family stock portfolio since July 2016. In my TFSA portfolio, Morguard North American Residential Real Estate Investment Trust (MRG.UN) is experiencing a gain of 17.20%. I also find another interesting stock by using Stockopedia: Park Lawn Corporation (PLC). I also made good gains on PLC, but that one is quite a different stock due to the nature of its activities, go check it out.

Time pass by, and my portfolio just continue booming, and so does the investment ideas. My very best finding of the past couple months can certainly be Toromont Industries Ltd. (TIH) and ATCO Ltd. (ACO.Y). And its a chance of a lifetime because no one ever write about those two, or barely ever. I never heard about those 2 companies before finding them all by myself. And they are not small players. They are super huge. With very good profit, very reliable companies. LIKE WOW. Its not possible to make better stock pick. We are not talking here about chitty stock like Bombardier Inc. (BBD.B). We are talking about the real deal. I truly believe that TIH and ACO.Y are stocks I can get rich on, just like I got rich on CNR, BNS, NFI, KBL, PBH and so many others.

So its a great thing that you are reading me at this present time. See how lucky you are!

What I am actually desperately trying to say is that if you are strong enough and can handle market ups and downs, you shouldn't be scare to hold a large variety of stocks in your portfolio. We have many many very successful businesses in Canada. Out stock market is among those with top integrity and I also believe in the integrity of our economy. Its impossible to just be invested in 7-10 stocks only. By doing so, you limit your chances of success and you maximize the risk, in my honest opinion.

Sunday, April 9, 2017

An example of a good Quebec business: Savaria Corporation (SIS)

Quebec province is a very strange mix of very bad corrupted businesses and of very good corporations. Recently, Bombardier had steel the show of Quebec scene. Right now, Bombardier is showing off signs of lack of integrity and complete disorganization. Its a real shame to see that executives of Bombardier had received pay hikes despite the fact that they had received millions in help coming from tax payers. Those people are not exactly angels. Their hands are really dirty. And they took advantage of my very hard earning money and I am very upset. I want Bombardier to collapse and declare bankruptcy. I want Bombardier executives to have a taste of hell and lose it all. No more bonus, no more money on the back of tax payers. My only privilege is to be born New Brunswicker.

CGI and Saputo Inc. (SAP) are two good example of very good companies that can be handle without shame inside any investment portfolio, whether you are a federalist like me or not. Savaria Corporation (SIS) is another fabulous stock which headquarters are located in Laval. 

Back in July 2016, I was investing in Savaria Corporation (SIS). I currently hold in to SIS in both my non-registered and RRSP portfolio. I had bought some stocks at less than $10. What a genius move! Savaria Corporation (SIS) closed this past Friday session at $14.07. I watch SIS on a regular basis. I got scared that SIS would get hurt by Trump protectionist, but it didn't happen, at least not yet. But SIS will probably going to continue on this good way. They have manufactured and sales going on in China. Its a pavement of gold all the way. And SIS have ordered from China too so what do you want better?

Savaria Corporation (SIS) = $$$

I now have an Ivanka Trump winter coat!

Spring is the perfect time to do an in deep cleaning of our little belongings. Personally, I like to do the cleaning of my wardrobe once in a while. And I just end up giving 3 full bags of clothes that I wasn't wearing anymore. I always think that no one will wear my ugly old clothes, but less fortunate may like what I consider ugly or don't fit well anymore. So I end up giving them, normally I drop them at Renaissance.

I only have a tiny little one and a half apartment, but you'll be surprise by the time I spend cleaning and I hope you do the same because being clean is as important as being thrifty. One cannot go without the other. I just completed this weekend my spring cleaning and it felt good being done with it before finally leaving Montreal for a few days. And I celebrate all of that with a little shopping trip at La Baie which is probably my favorite downtown store, and after came Le Château at the corner of St-Denis and Rachel, but the store will soon close. 

Imagine that the current Hudson's Bay store was open for as far away as during the Second World War and maybe even before. My grandmother remembered that the woman of the Westmount house were she had worked for during a few months during the war used to have lunch there with her friends. Hudson's Bay was the socialist spot of the Westmount high class ladies. There's a part of history that no one really catch while being so busy shopping.

Imagine that I bought an Ivanka Trump blue ivy winter coat at a bargain price: $180 after taxes. I will have it for next year because for now, spring is really in the air in Montreal.

Nice jacket, don't you think so? Its quite hard to take great pictures of clothes. Generally speaking, I think Ivanka Trump clothes are nice. I continue my shopping trip by buying a t-shirt, a pair of jeans, a blouse, and a really nice summer dress Ralph Lauren. Not  so thrifty but I have to say that my spring and summer wardrobe is all set so I won't be spending a dime in clothes for the next few months.

Monday, April 3, 2017

My non-registered portfolio is now at $160 945.21

My non-registered portfolio just closed today session at its highest value ever: $160 945.21. Watch out and make some space for my first $250 000 please. This is just too easy to be true. I am not in an in deep hunger of new investments at this time because I have no views on new investments. Its always surprising, but at a point, I must admit, I am holding on to the best of the best. Difficult to do better.

I would like to pay down a bit on my margin account and I need to put some money on the side for my Spring and later on summer vacation. Time is passing by really quickly, its quite shocking, and at the same time, by portfolio is just soo good that its keep growing and growing and I just have nothing to do, if not watch. And please note, I do not hold Bombardier Inc. (BBD.B) in that superb piece of art of mine. Only the best, flush the rest.

Its been said that Methanex Corporation (MX) will soon raise its dividend. Well, to that, I can only say: its about f time!!!!!

Stuff that I know that you should know too: while investing in dividend stock, the goal is not to invest in business that pay the highest dividend yield ever. Its about investing in reliable companies who are healthy enough to pay off dividend distribution to their investors and among the way, those exact great companies increase their dividend distribution over time.

Dividend investing is an affair that required patience and pure money love because richness won't come overnight. Like in my case, it took a decade to happen. With the cuttiest and more innocent domain name ever,, I guess everyone might had understand by now that my ultimate goal had never been to aspire to millions, but to build on a cash reserve and income that I can rely on. Over time, great things happen, but the road is full of traps: bad companies with bad reputation trade on the TSX - like Bombardier Inc. (BBD.B) - and risky companies paying high dividend yield also trade on the TSX. So the TSX is a mix of good and bad investments, a mix of good and bad things.

And its not the only things that come to play unfortunately. You need to know when to sale. If the TSX lost 200 points in a day for whatever reasons, fact is, the stocks that you hold in your portfolio will probably go down too and that's really normal. In that case, its not the time to sell.

Sometimes, a stock will go down and it will be a warning sign and you must follow your stock to catch any problems that could show up among the way. Common sense is not always present on the stock market, but sometimes, stock go down for obvious reasons. The best example would be a recent one: Stella Jones (SJ). SJ went down when the expectations of analysts were not met. So I did like everyone else: I dumped my SJ shares and made hundred in profits. In date of today, I have a few thousands inside my RRSP resulting from the sell waiting to be invested. I prefer to follow the movement and sell when something like this happen.

However, the goal is to invest in such great companies that most of the time, you won't have to face sell off. This is difficult, but can be done.

Now that you have all the tools in hands, go for the money and good luck.

Sunday, April 2, 2017

A TSX shame: Bombardier Inc. (BBD.B)

All the drama surrounding Bombardier Inc. compensation executives just keep making me laugh hard. I hope that investors wake up and realize that this is not a reliable and honest company to invest in. And on top of that, I hope that potential buyers go seek other options. At $2.04 per share, Bombardier is not exactly a top choice for any serious investment portfolio. You build grow and health on reliable companies, not on Bombardier shit juice. I had invested in Bombardier Inc. (BBD.B) in the past, but I got lucky, I sold at profit and get out there because I found that just like you could expected from a Quebec company, Bombardier has no integrity what so ever. The company promise something, and what you know next is that they just simply cannot delivered. The C Series is de la poudre aux yeux. Eventual buyers need to wake up and buy their airplanes at home and they need to do so to boost their very own economy. I want Bombardier to suffer and declare bankruptcy. Its their ultimate punishment for not managing well my tax money. 

You never get away of post topics with those Quebec idiots. 

With champagne and caviar, we had celebrated on April 1th my first 200k net worth. In the past decade, many things happen on the financial scene. When I first invested in stock, shortly after, the stock markets worldwide were collapsing. It was back in 2008. Its always hard to invest when the marks are down, but its the best and easiest way to benefit from the capitalist game. If you would had tell me that 9 years later I would have $200 000, I probably wouldn't believe you. I am just at the border where I about to get rich for real. Things really began to speed up for me following my 100k net worth.

Stock investment doesn't required any financial qualifications, If you have a good judgement and are able to make decisions, you'll be doing well and really fine. I can tell you because my super strong good common sense and judgement are my best weapons in this game. And you'll need to check on the TSX and on your stocks every business day.

I still remembered ages ago trying to put $300 in a GIC at the bank for my RRSP, but I needed $500. That was way before being a blogger. GICs were giving really poor return. So I started searching, and found out about mutual funds. There was those high fund fees and the return were so-so for those I checked on. I wasn't very impressed. There must be a way to get better on my money. That's when the most difficult part came in. The whole stock investing process was so uncleared. And than I find Derek Foster and his Stop Working book and the rest is history and can be read in 10 years of glamorous sexy blogging so enjoy and have fun.

Thank you

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