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Thursday, August 15, 2019

Happy birthday, Acadian Investors!

Who else could I be other than an Acadian? I was too good to be a Quebecker. Being Acadian is not about the language either way. It's about being. I think Acadians make great investors because we are super resilient, we know how to take hit, no one can destroy me, no one can beat me out. Among with the First Nation, we have built this country down to its root. We have one of our best author, Antonine Maillet, about the only strong talent of the French Canadian literature who actually "got it" and who had been honor by the Prix Goncourt at a time when the price was still an honorable one and no prostitute of the like Virginie Despentes was member of the jury. The difference between an Acadian, Quebecker, and French is huge. We Acadians are about the only French expression people to have some common sense. Just the really best people in the world

On this extra special day, I wasn't much surprise to learn that the jerk of Justin Trudeau had been found guilty of violating the Conflict of Interest Act in the SNC-Lavalin affair. worst bad being is that Trudeau doesn't want to recognize his guilt. Typical behavior of another stupid Quebecker. Tudeau said he did what he did in order to protect jobs, but what he did was protecting SNC-Lavalin interests. CEO and high staff of SNC-Lavalin earn million per year. It's not fair that the jobs of unethical workers are being preserved. If you are a smart investor, you don't invest in SNC-Lavalin Group Inc. (SNC) or Bombardier Inc. (BBD.B). Rare are the Quebec businesses who actually worth it. Inside Canada, Quebeckers are well-known for their stupidity. Never put your trust in a Quebecker. Everything is unreliable in Quebec province. Lightspeed POS Inc. (LSPD) is another example of an unreliable Quebec bases business.

Basically, on the TSX, I am the only investor you should trust because I know my stuff, and the TSX is in my vein.

Wednesday, August 14, 2019

Yeah! CAE Inc. (CAE) is increasing its dividend distribution

Today was obviously a pretty bad day for the TSX. I wasn't able to check the closing of the day in real-time because I had to leave work early, since I had a dentist appointment. It went well. All the drama is coming from old grey fillers that I need to get replaced because some fillers started to break and I even one filler that started breaking oe tooth so yeah, my pretty mouth was a mess. The worst part being that I still have more work to be done inside my precious mouth. What I have left to be done will costed 2k. But good news being, what is being left is not a matter of emergency so I am planning to have more work to be done next year, and probably a second time the year after that because my insurance only covered 1k per year.

All of my problems came from a childhood spent in the 80s and early 90s where I was getting hot chocolate in the morning for breakfast. We also drank some coolaid, artificial juice, soda... We always ate quite well at home, the only problem was sugar drinks, especially coke. That stuff ruined my teeth, but it isn't that bad either, it's just light regular fillers on most of my teeth. My dentist said that she had seen worst cases than me. Some ladies in their young forties have none of their real teeth in their mouth. I still have mine, at least. Another problem that I will be facing, in another 10 years so so, is that I need to have them replaced again... Its being said that white fillers last for about 10 years... And since my pretty mouth is full of filler shit, I have to make sure that I put at least 10k aside for my teeth when I will get older. It won't probably cost as much as 10k, but it's good to have more than less so yeah... It's quite expensive to grow in age. As you know, I will be turning 39 on August 27th. Other than my teeth, that are inside of me, I don't have any sign of aging showing up, if not a few white hairs popping out, but I had some blond highlight earlier this summer and nothing is showing up. So this is a real dirty secret just between you and me so don't tell no one.

Knowing I had my appointment at the dentist during the late afternoon, I continue checking the TSX and I saw what I saw, going down, in the fear of a recession. Things are not super great in Germany, which is the heartbeat of the European economy. And the UK is just totally lost. So if things are not all good in Germany, chances are that we are going to hit a wall somewhere. 

I am, again, really happy that I don't hold any more of LSPD shares, and LAS.A shares inside my portfolio. Basically today, the only great financial news I was able to catch today is that CAE Inc. (CAE) - I hold this one inside my RRSP portfolio - had increased its dividend distribution.  But CAE took a hit down today, its value decreased today.

I won't check on the value of my portfolio because: I feel my mouth and I am feeling enough that I don't want to see the numbers. I will be ugly said, I know it. Ok so right now, I am just in need of a Smoothie the Cat video :0)

Tuesday, August 13, 2019

I have a confession to make: I am a romantic investor

If you are a longtime reader, you had already figured that out by yourself a long time ago. If you are new to the blog, you are just about to find out how a strange badass I am. And on top on that you are getting all of my best advice for FREE. You are just so lucky!!!


I guess you could say that I am somewhat a romantic investor. I had become a romantic investor over time. At first, I was only buying Derek Foster stocks. As time buy, I only love my stocks more and more. And I have babies that I wouldn't sell unless there's a big problem. Among my little favorite, we have  Fortis Inc. (FTS),  New Flyer Industries Inc. (NFI), Emera Inc. (EMA), Canadian National Railway Co (CNR), Toromont Industries Ltd (TIH) and Park Lawn Corporation (PLC) just to name those. My name is not **"@!!!!!. My name is Fortis Inc. (FTS),  New Flyer Industries Inc. (NFI), Emera Inc. (EMA), Canadian National Railway Co (CNR), Toromont Industries Ltd (TIH) and Park Lawn Corporation (PLC). I actually have other stocks that I like very much. Many of the stocks that I love the most had been with me for a really long time. 

Following 11 years of investment, I have strong intuition on which stocks will work for me for the long run. Each stock that I had been holding on for a long time had been part of my history. Its pure money love baby and when your love is so pure and honest, you cannot go wrong, those stocks are dogs that could kill for me on the stock market if I asked them to. They will - I hope - never let me down. But no matter how strong is the love, you have to do your duty and watch them closely. At the end of the day, the stock market is a dirty business and it's not the place to act like a princess and feel in the like of your stocks but what can I say, I am who I am, but at least, I know how I am. The stock market can be full of trick and really scary, if you don't know yourself before jumping in, I doubt you'll ever be successful. It's because the stock market is too emotionally involved, so you need a good base in yourself. You need the emotionally stable because the TSX, like any other stock market, is far from being stable.

Following Lightspeed POS Inc. (LSPD) big announcement yesterday, it was hard to figure out on which way the stock was going go. I was personally unsure, but many times, when businesses released more stocks, often, the stock will go down. And this is exactly what happens with Lightspeed POS Inc. (LSPD) today. However, I didn't know anything regarding the 6 million+ in subordinate voting shares announcement. It just happens that my timing was right. Not that LSPD doesn't have a great value, but it's a player stock that captures the attention of many many investors, big and small. And because of that, LSPD is the perfect stock for quick buy-and-sell sexy hot money-making moves. With yesterday, that makes the second time that I had been successfully trading LSPD for money and I may trade again LSPD in the future. It's been easy for me so far to trade LSPD because I had been quick. My buy and sell moves were quickly done and when I had a chance to sell at profit, I did. I never last long on LSPD, in the two times. I think that's why I had been successful on those little trades. I didn't make thousands, but I prefer getting involved only with little amounts for those types of trading investment. I want to be able to sleep at night. Also, I am not always available during the daytime to check on LSPD. And I wouldn't like the stock market to become all my life because it's too much of a hard place to be. I can take some load, but at a point, enough is enough.

Monday, August 12, 2019

Selling both LAS.A and LSPD at the same time

Today, I proceed with the sell of my Lassonde Industries Inc. (LAS.A) stocks. At first, LAS.A was starting the day on a positive note, so I taught twice before selling, but I finally place my move and I don't regret it because LAS.A closed on a negative note, losing 2.35%. In result, my margin debt is now down to 43,724.17‬. 

Shortly after selling LAS.A, I decided to sell my investment in Lightspeed POS Inc. (LSPD) to cash in a quick profit, just like I did before. LSPD looked like it wanted to go down, so I didn't want to lose the opportunity to a nice little quick gain. I don't know what does mean for LSDP, but the stock closed on a trading halt. And the reason why is that LSPD announced 6 million + in subordinate voting shares. I am not quite sure in which direction LSPD will be hitting tomorrow morning, but I am just glad I got rid of it, at least for now. I will have a few hundred to pay down from my little pockets for dental health care, so I am not unhappy that I sold LSPD, it just came at the right time for me.

Sunday, August 11, 2019

Getting ready to say goodbye to Lassonde Industries Inc. (LAS.A)

At more than 16 300 points, the TSX closed this past Friday session on an encouraging note. It happens that I made the right choice last week. Selling Hydro One Limited (H) happens to be a good decision. Hydro One second-quarter results aren't looking good. As you know, following the sale of H, I had the really good idea to invest in Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A). In this short period of time, BAM.A gains 1.99% inside my TFSA portfolio. Another great move I made last week was to invest in some Lightspeed POS Inc. (LSPD) shares, again for my TFSA portfolio. Ever since, LSPD gains 18.60% inside my portfolio. I am quite pleased with those two and I couldn't have any better timing. Let just wish that I continue being fabulous like this for the next couple months.

This past Friday, my non-registered portfolio closed at $112,371.60, my TFSA portfolio at $78,168.32, and my RRSP portfolio - stocks only - at $45,398.27‬. Since the TSX is not in the 16 600 points, I am not exactly on top of where I should be, but the overall numbers are not too bad. Another stock of mine who had been performing well lately is WSP Global Inc. (WSP). I own WSP in both non-registered and TFSA portfolio.

July had been quite a heavy month in term of expenses, but I manage to cover it all. For August, I should be able to get more in the saving zone. I will be careful with my money for the next couple of months. For that reason, I want to be careful with the stocks I own in my portfolios. It's the reason why I got rid of Hydro One Limited (H) inside my TFSA portfolio. I want to have absolute confidence in the stocks that I own. Currently, Lassonde Industries Inc. (LAS.A) is not doing really great. The stock had been on a declining chart for quite some time now and I way to prefer to sell now since I can register a good capital gain from the sale. I own LAS.A inside my non-registered portfolio, so the sell of it will allow to pay down my margin account debt. Currently, my margin debt is at $45,505.44. I would like to see it going down to 40k by the end of the day.

When the time will be right, I would like to get rid of RioCan Real Estate Investment Trust (REI.UN) and BMO Bank of Montreal (BMO).

Thursday, August 8, 2019

The month of July 2019: budget in review

Fix expenses:
Rent: $690
Internet + cable: $83.23
Cell: $40.24
Gym membership: $14.38
Total: 827.85

Grocery: $224.46
Coffees: $36.97
Drinks and eating out: $237.6‬0
Wine: $13.65

Lottery ticket: $12
Sun lotion: 35.62
Toilet paper: 8.04
Stamps: $31.04
Envelops: $1.50
Beauty products: $82.98
Steps counter device: 20.68
Magazines: 11.44
Driver licence renewal: $84.69

Clothes: $191.33

Money spent during my 2-week vacations in New Brunswick: $1,216.16

Margin debt interest rates: $210.4‬0

TOTAL expenses: $3,246.41‬

Non-registered dividend: $339.23
TFSA dividend: $274.89
RRSP dividend: $91.46
Paycheque: $2,655.21
Money made by selling stuff on Kijiji: $35

TOTAL income: $3,395.79‬

Money save this month: $149.38‬

Tuesday, August 6, 2019

Investors, time has come to meet Smoothie and Milkshake

Feeling bad because the TSX suddenly lost over 100 points today? That suck, but I have the perfect remedy for disastrous days on the stock market: meet Smoothie and Milkshake, the most adorable cats of the Internet:

Soooo sweet! They are both just too cute to be real. Smoothie is just a tiny little princess, but she's certainly full of life, while Milkshake is the fluffiest kitty I have ever seen. Do you feel any better now? I know I do :-) 

Since the TSX was closed yesterday, today was the day when our Canadian market had to digest the current US-China trade war that is going on. It's not fun, the TSX could eventually go even lower, but there's nothing we can do about it. It's worrying, but I doubt that Trump will remain on his position for too long, especially knowing that we are already in the spirit the upcoming 2020 US elections. In term of stocks, we never remain in a downturn for too long. One thing you need to keep in mind is that we live in a capitalist world, and no matter what, the stock market always rebounce, sooner or later. The stock market will always go up, because it was built to do so, and for the rich to get richer with just no dead end to it. For now the 11 years I had been investing in stocks, I went through rough path, but I always invested little by little, and today, 11 years later, I have a net worth of more than 200k. I was able to do so because I never lost faith in the stock market. We can doubt about the good leadership of Donald Trump, but never doubt of the stock market.

Sunday, August 4, 2019

Saying goodbye to Hydro One Limited (H) and welcoming Brookfield Asset Management Inc. (BAM.A) in my TFSA portfolio!

I just came back this week from my summer vacation in New Brunswick. It's the reason why I haven't posted anything for quite a long time. I now have a bunch of stuff I want to write about. While being away, enjoying the sun and beach, eating lobsters, drinking beer and wine, the TSX hit at some point the 16 600 points! I was quite happy with the achievement. For a moment, it almost felt like we were on the road for more steady gains. It looked like I had my chances to hit on the 240k+ net worth after all right in time for my birthday... but that happy time didn't last long. And it's all the fault of Donald Trump. I just hope China will remain strong in front of Trump. The United States always taught of themselves as international leaders. Now is the perfect time to break that pattern and bring them down. Especially since they had cut their interest rate. The US can be financially destroyed, but that can only be done if China remains strong and don't obey to Trump. In other words, China needs to be much stronger than Canadians in front of the US. The US had became the enemy of the modern world, destroying all of our economical security.

I didn't have time to make the announcement, but earlier this week, I had sell all of my shares Hydro One Limited (H). Ever since I had been holding on to Hydro One, that stock never completely pleased me and never sharply delivered. The chart of that stock always been all over the place. I had been holding to Hydro One Limited (H) since it's early beginning in 2015. At first, H makes its entry in my non-registered portfolio, and later on, I proceed with a contribution in kind of H for my TFSA portfolio. Since 2015, inside my non-registered portfolio or inside my TFSA portfolio, Hydro One Limited (H) never had been a super strong achiever with an amazing chart. I basically had lost my time with this one. So when I realized that was able to sell Hydron One without facing any loses, I did so. The time had come. Let say I had experimented that shit stock so you don't have too. At the age of the early beginnings, I was hoping to have in Hydro One exactly what I had with my investment in Fortis Inc. (FTS): a super stong chart with just amazing juicy dividend returns. But as time passed by, I realized that Hydro One Limited (H) would never become a mini Fortis Inc. (FTS). I had been quite disappointed by Hydro One. And with Doug Ford in Ontario, I have no confident what so ever that anything super great can comes out of Hydro One. It's now the perfect time to run out of it, and run to safety, in another stock that might be more reliable.

Another reason why I decided to sell H is that we may be facing a recession or more struggle on the stock markets. I want to face those upcoming hard times by standing strong with only my best worrior dogs by my side. I guess you might know by now that I had a fatal attraction for Brookfield Asset Management Inc. (BAM.A). Following the sell of H, I had bought Brookfield Asset Management Inc. (BAM.A) inside my TFSA portfolio. BAM.A is the type of strong stock that I belive I can rely on in order to look good on the stock market. BAM.A will probably perform better than Hydro One Limited (H) for the long run.

So this past week - quick recap - I came back from vacation AND I sold H, and bough BAM.A. But that's not all!

I spent quite some $$$ during my vacation, eating seafood, shopping at Moncton, drinking beer, wine, eating out.... I had spent some money. But what's the point of having a net worth of more than $200 000 if it's not to spend money from time to time? However, following period of heaving spending, I quickly get back on my lead and become frugal. And what about trading like a "man"? Trading for just trading? Only for the money, nothing else. I have the ultimate stock for that specific purpose.

I do not really like this company, but like a good girl, I follow the stock market. And if the stock market loves a stock, it would be a shame to push it away. Ever since I discovered this Quebec stock, I always kept my eyes and it. I knew it would be the perfect stock to buy and sell in a hurry for some quick fabulous gain: Lightspeed POS Inc. (LSPD). Personally, I strongly believe that LSPD is among the best Canadian stock to perform day trading on. Nothing is guaranteed, but I had trade LSPD in the past and I had been able to make a profit on it quite quickly. I don't understand why LSPD has experienced such fabulous success on the TSX. LSPD is still today on a high momentum and it would be crazy not to benefit from it. Its title moves quite quickly, so you might have to watch it closely. I had bought last week some LSPD stocks, and I hope to sell them soon to make for some hot gains. At this time, I am not willing to play on other stock, only Lightspeed POS Inc. (LSPD)., and only for a small amount of money.

That being said, my non-registered closed this past Friday session at $112 398.36, my TFSA portfolio at $77 775.61, my US portfolio at $3 340.40 US and my RRSP portfolio at $45 255.42. After paying down all my vacation expenses, I had been able to keep a $2 000 in my chequing account. My margin account debt is now at $45 640.89. I estimate my net worth to be in the $220 000. This is not too bad knowing that the TSX is way under the 16 500 points. We closed Friday at a low 16,271.66‬ points, losing more than 100 points in the process. Days when we are losing 100+ points are not good days, and it always has bad effect on a portfolio like mine, who's quite heavy in term of stocks.

I now have a $500+ in cash in my RRSP portfolio, that money comes from different dividend distributions. That allow me to place another investment inside my RRSP portfolio. Who will be the happy winner? For this investment, I don't want to play, I want something easy to hold, that I will be able tohave in my RRSP portfolio for the long run. I don't know yet for sure what that investment will be made of.

Sunday, July 7, 2019

Contribution in kind for my TFSA: Aecon Group Inc. (ARE) and ATCO Ltd. (ACO.Y)

I just updated my monthly expense for the month of June. For the month of July, just be ready to probably see no saving at all or really little because I have a 2-week vacations coming up and it's going to be happy spending time! I also recently pay for the renewal of my driver licence (exactly $84.69!!). Following July, August and September are going to be quite easy and on low spending, as well as the month of  October, even if I always visit home in October for the hunting season. My October vacations are usually quite inexpensive.

For 2019, I still had several thousands left in contribution room for my TFSA. That's because the year before, I sold a couple of my stocks that I was holding inside my TFSA, and I got the money transferred in my non-registered to pay down my margin debt. I decided to take my Aecon Group Inc. (ARE) and ATCO Ltd. (ACO.Y), and got them both transferred inside my TFSA. I am curretly not experiencing a gain on both of them. We are almost there when it comes ot ARE. As for ACO.Y, that stock had been a bit more difficult to hold, but I like it anyway. After this, I still have a couple thousands left in contribution room for 2019. The plan would be to save a couple thousands by the end of the year and invest that money inside my TFSA.

In result of that recent move, my non-registered portfolio closed this past Friday session on a tiny $117,192.32‬, my TFSA portfolio now standing strong at $77,822.57, and my RRSP portfolio - stocks only - is now at $45,827.44. Currently, I have abit more than $700 in cash in my TFSA - that money came from dividend earnings. In my RRSP stock portfolio, I have bit over $400 in cash, also coming from dividend distribution. So what should I get? I don't know for sure. It could be the fault of the nice weather we had for the last couple days in Montreal, but I don't have my mind on investment right now.

The month of June 2019: budget in review

Fix expenses:
Rent: $680
Internet + cable: $82.93
Cell: $40.24
Gym membership: $14.38
Insurance: $7
Total: $824.55

Grocery: $367.59
Coffees: $29.42
Eating out: $203.60
Wine: $34.50
Total: $635.11

Highlights: $137.97
Hair cut: 63.24
Total: $201.21

Jean coat: $112.68
Purse #1: $5
Purse #2: $73.58
Total: $191.26

Cleaning products: $35.61
Lottery ticket: $6
Laundry tickets: $30
Personal care products: $243.66
Total: $315.27

Toal living expenses: $2,167.4‬0
Margin debt interest rates: $225.35
TOTAL EXPENSES: $2,392.75‬

Non-registered dividend: $566.07‬
TFSA dividend: $163.68
RRSP dividend: $49.43
Paycheque: $2 643.24
Items sell on Kijiji: $84
TOTAL INCOME: $3,506.42

MONEY SAVE: $1,113.67‬

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