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Thursday, January 9, 2020

My debt situation on date of January 9, 2020

Margin account: $47,745.17 @ 5.50%
Annual interest: $2,625.99
On the date of January 9, 2020

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

Sunday, January 5, 2020

Saying a thank you and goodbye Stockopedia

My sell of SIA and BMO stocks bring in over 3k in cash inside my TFSA portfolio and now, only one silent question remains: what I am going to do with that money? Back in the days, I used to always have a plan for my money, there was always that net stock that I wanted to buy. There used to be always something new out there patiently waiting for me to just be buy by me. Now, it's not the case anymore, and that being because I already have an X-large portfolio of many many stocks and I probably already hold on to most of the greatest hottest stocks that the TSX has to offer. And on top of that, my free access to Stockopedia had expired. 

I really like and enjoy Stockopedia, I really like to search for new stocks to invest in by using their screens. Stockopedia is a super great tool for investors. For the past 3 years, I had found many great stocks on Stockopedia, stocks that no one talked about, and were, until I exposed them on my blog, secret money-making gems, like WSP Global Inc. (WSP), Park Lawn Corporation (PLC), Granite Real Estate Investment Trust (GRT.UN), Cargojet Inc. (CJT), TFI International Inc. (TFII) and Richards Packaging Income Fund (RPI.UN). At first, it was supposed to be a 3 weeks try, I was able to recently find that old email, but it turned out to be 3 years, which I enjoyed and I am really grateful for it. However, I will never pay a dime for Stockopedia. The reason for that is that Stockopedia is coming from the UK, and I am not willing to spend money on absolutely anything coming from the UK. And I can say proudly that I am pretty sure that I never spend a dime on stuff coming from the UK.

I never really exposed this UK banned of mine, but it's been around for a really long time, even before I started blogging ages ago. I went to see the movie recently Downtown Abbey because I liked the TV show - even if obviously it's coming straight from the UK, but I adore Downtown Abbey, what can I say, under just a really few exceptions, my door is closed to the UK. The reason for this is quite simple, I am from New Brunswick, Acadian, and if you know a bit about history, you know what England did to Acadians. It was a long time ago, it's part of history, it's part of the past, but no matter what, I don't care. I won't ever pay for any services coming out of the UK. I will never participate in the well-being of people coming from that country. It's simply a matter of self-esteem and honor. At $175 per year, access to Stockopedia is not coming cheap, it's simply too expensive for me. So the time had come to say goodbye and move forward.

Don't feel sad or bad for me. For someone like me who is just obsessed with stocks and her portfolio, and who used to always wanted to have that new how stock to invest in, Stockopedia had brought a lot of joy to my life, like my finding of PLC was really one over the top one, but sometimes, too much excitement for a stock junky is just too much. 

Currently, the best thing I can do with my margin is to pay down my big fat margin account. I will be turning 40 this year and it's just about time that I pay down my margin. Also, I don't feel the same about investing anymore. It's getting more and more difficult to find new stocks to invest in and it's really rare now that I feel excitement over new investment ideas. The stock market being so volatile, it's enough alone to kill the spirit of any investor. It's just where I am right now. I was thinking of maybe investing in CCL Industries Inc. (CCL.B) or maybe getting back a bit in PBH, but it's just ideas for now. I am more tempted by using that TFSA money to pay down a bit my margin. But you know me, I might change my mind tomorrow. Nothing is really static when it comes to my investment. I do as I wish and I invest in stocks that make me dream.

Saturday, January 4, 2020

Saying goodbye to BMO Bank of Montreal (BMO) and Sienna Senior Living Inc. (SIA)

I under the impression that my RRSP stocks portfolio closed today's session at its highest value ever: $48,632.26. Other than that, my non-registered portfolio closed today session at $120,295.83 and my TFSA portfolio at $83,147.80. Also today, I proceed with my first two trade moves of the year 2020. Inside my TFSA portfolio, I sold two stocks that I had been wanted to sell for quite some time now: BMO Bank of Montreal (BMO) and Sienna Senior Living Inc. (SIA).

Do you want to know all the good reasons why I decided to sell BMO Bank of Montreal (BMO)? First of all, if you have any of this junk inside your valuable investment portfolio, I strongly suggest that you follow my move. 2019 had been a crazy, but amazing year for the TSX. The direct proof of that being that I started the year 2019 on a $191,009.83 net worth, and I closed the same year on a majestic $239,582.44 net worth. Do you understand how much 2019 had been a good year for me? However, BMO Bank of Montreal (BMO) wasn't able to follow. Fact is, if you own some BMO Bank of Montreal (BMO) stocks inside your portfolio, you own a really poor quality stock.

It is no time to hold any poor quality stocks inside a portfolio. Just remember how fantastic, BUT super volatile and rocky 2019 had been... We might haven't seen anything yet as the Brexit still going on, Trump is provoking the middle East while at the same time facing destitution, Australia is burning... I think the destitution won't happen and I think that Trump will be re-elected for another 4 years. If it happens, we'll be in for a few more crazy years. And for all of those reasons, it's no time to own stocks that will only hold you back, because that is exactly the kind of damage that can represent holding on to a really bad stock like BMO Bank of Montreal (BMO) in your portfolio. I am really happy with today's moves. Without BMO Bank of Montreal (BMO), I feel better. Now that BMO is no longer from my TFSA portfolio, I feel much more in control, and much more powerful.

It's one thing to be an investor, but it's another one to be a good one, and to be able to do the right moves when comes to time. And it's even another thing to be smart enough NOT to lose money, but to make money. When a stock, especially a stock that is evolving in the banking sector doesn't bring in an increased in term of capital when the TSX is sky rocking, there's a big problem, something is wrong. When a stock doesn't perform in good times, imagine just how ugly it may get during bad ones! Personally, I have no problem to imagine.

Also, just yesterday, I received a marketing call coming from BMO Bank of Montreal which was to make me enroll to their so call protection service: InfoProtector 360. BMO Bank of Montreal is desperately trying to make money on the back of the Desjardins scandal. Many people had suffered because their personal information had been released and no one really knows for sure where it actually goes... BMO had named this program InfoProtector 360. Among other, InfoProtector 360 offers to:

"Register all of your important personal and financial information online to help keep it safe and accessible in the event of an emergency. InfoProtector 360 can also monitor the Internet to track the use of your registered information in the public domain and alert you if it is found. "

To do you see that, that Register that I put in bold and underline in yellow? It means that BMO Bank of Montreal is offering to enlarge the risk for your personal data to be stolen by being given away to another Quebec idiot while performing the task AND being registered in their informatics system. With what BMO Bank of Montreal is offering, the possibility of fraud is being multiplied by 2! Can BMO Bank of Montreal be 100% sure that the server where is store all of the "register" personal data won't get hacked? That InfoProtector 360 is bullshit. I was quite furious yesterday. I understand that BMO value share is on a big decline, but pushing sales over the phone by disturbing honest people won't help in any way. It's why I kicked off BMO Bank of Montreal from my TFSA portfolio. If you own any of BMO Bank of Montreal shares, you should sell now before it's too late. An organization that is so badly managed doesn't deserve to be in your portfolio.

When it comes to Sienna Senior Living Inc. (SIA), I wrote about selling this one for I don't know how many times. This stock is not able to register positive capital gain. When I read, also yesterday Susan Brunner's review of Sienna Senior Living Inc. (SIA), that was it! I was on my way to push the sell button in my broker account, and I did so today. Susan Brunner is invested in BMO, but on that one, she's wrong.

Wednesday, January 1, 2020

Happy New Year 2020, investors!

I wish you all an Happy New Year 2020. Best money wishes to all! 

I had just published an update of my investment portfolio. 2019 had been an awesome year. I closed the year on my highest net worth value ever reached: $239,582.44. It's quite good, especially knowing that I started the year 2019 on a 191,009.83 net worth. It was heartbreaking to start the year 2019 with a net worth below the 200k. It took me two years to reached a $50 000 net worth, four years to reached $100 000, seven years to reached $200 000, and for my first $300 000 net worth, I hope to do it in 3 to 4 years.

I have a few chances to reach a $300 000 net worth this year, in 2020. If it happen, it will be great, and if not, I wouldn't be upset at all, because this is quite an ambitious goal that involved living on a quite tight and a really controlled budget. We'll see how it goes. I would like to spend less than I did in 2019, that's one thing. My New Year resolutions are basically kind of all the same year after year: after year: spend less, go to the gym, drink more water, the usual stuff. 

My investment portfolio on date of December 31, 2019

Cold cash: $3,433.04‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,589.30
Methanex Corporation (MX): $5,215.60
Fortis Inc. (FTS): $6,842.76 
Pembina Pipeline Corporation (PPL): $35,616.20
Corby Distilleries Limited (CSW.A): $2,137.82
iShares S&P/TSX Capped REIT Index (XRE): $3,001.46
New Flyer Industries Inc. (NFI): $2,984.80
TMX Group Inc. (X): $899.60
K-Bro Linen Inc. (KBL): $4,205
TransCanada Corp (TRP): $1,729
Canadian National Railway Co (CNR): $10,572.30
Enbridge Inc. (ENB): $17,502.57
Emera Inc. (EMA): $1,394.75
BCE Inc. (BCE): $1,323.52
Saputo Inc. (SAP): $1,608
Loblaw Companies (L): $804
Savaria Corporation (SIS): $7,295.85
WSP Global Inc. (WSP): $4,433.50
Aphria Inc. (APH): $1,356
George Weston Limited (WN): $103.02

TOTAL: $120,615.05

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,812
General Mills Inc. (GIS): $1,713.92
Cash: $13.33

TOTAL: $3,539.25 US: $4,628.63 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
CT Real Estate Investment Trust (CRT.UN): $1,614
Canadian National Railway Co (CNR): $4,698.80
Exchange Income Corporation (EIF): $44.69
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,345.62
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,809
Andrew Peller Limited (ADW.A): $2,007.70
Toronto-Dominion Bank (TD): $1,456.60
Boyd Group Income Fund (BYD.UN): $6,040.80
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,710.70
Data Communications Mgmt (DCM): $1.44
Morneau Shepell Inc. (MSI): $3,041.10
Royal Bank of Canada (RY): $4,110
Park Lawn Corporation (PLC): $1,757.40
Toromont Industries Ltd (TIH): $2,823.60
BCE Inc. (BCE): $541.44
Northview Apartment Real Estate Investment Trust (NVU.UN): $4,446
Sienna Senior Living Inc. (SIA): $1,460.80
Boralex Inc. Class A Shares (BLX): $978.40
Richelieu Hardware Ltd. (RCH): $1,247.98
Savaria Corporation (SIS): $976.50
Northland Power Inc. (NPI): $2,720
Calian Group Ltd. (CGY): $2,849
BMO Bank of Montreal (BMO): $2,012.80
Canadian Utilities Limited (CU): $1,645.14
WSP Global Inc. (WSP): $2,216.75
Granite Real Estate Investment Trust (GRT.UN): $659.80
Cargojet Inc. (CJT): $2,996.57
Nutrien Ltd. (NTR): $3,108.50
TFI International Inc. (TFII): $3,501.6
Canadian Imperial Bank Of Commerce (CM): $3,241.80
SIR Royalty Income Fund (SRV.UN): $652
ATCO Ltd. (ACO.Y): $2,973
Aecon Group Inc. (ARE): $1,752
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,851.14
Metro Inc. (MRU): $2,036.42
Alimentation Couche-Tard Inc. (ATD.A): $496.56
Cash: $190.85

TOTAL: $83,029.45

RSP investment portfolio: 
Emera Incorporated (EMA): $16,234.89
EnCana Corporation (ECA): $656.64
Toronto-Dominion Bank (TD): $2184.9
Telus Corp (T): $2,514
Royal Bank of Canada (RY): $2,055
Savaria Corporation (SIS): $2,817.90
Thomson Reuters Corporation (TRI): $3,344.04
Park Lawn Corporation (PLC): $5,858
Richards Packaging Income Fund (RPI.UN): $1,504.47
Toromont Industries Ltd (TIH): $494.13
CAE Inc. (CAE): $2,406.60
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,803.45
Boralex Inc. Class A Shares (BLX): $1,223
Quebecor Inc. (QBR.B): $828.50 
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $280
Brookfield Renewable Partners L.P. (BEP.UN): $1,145.70
Leon's Furniture Limited (LNF): $566.78
Cash: $260.90

Total: $48,178.90   

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,058.08

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

GIC National Bank: $1,342.86              

Manulife Fidelity NorthStar GIF CAP B: $1,729.88
Manulife Simplicity Growth Portfolio: $1,461.12
Maritime Life CI Harbour Seg Fund: $1,349.97
Maritime Life Fidelity True North Seg Fund: $1,242.48
Manulife GIF MLIA B World Invest: $1,301.06
Total: $7,084.51‬

Other various: $15,734.06

TOTAL: $76,478.16

Social Capital at Desjardins Membership share: $35
Online money: $18.19
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
On the date of December 31, 2019

My debt situation on date of December 31, 2019

Margin account: $48,655.08 @ 5.50%
Annual interest: $2,676.03
On the date of December 31, 2019

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

Thursday, December 19, 2019

Merry Christmas investors!

This is probably going to be my last post before Christmas, so I wish you all a Merry Christmas investors! The extremely cold weather of the past couple days is not helping the process. The end of the year is always quite busy so I had problem doing everything at the same time. So this is going to be a quick post.

Other than that, I don't have really anything new going on at this time. I had been following the situation in the US, with Trump facing what is being named as impeachment procedures. For now, Democrats win, but I am under the impression that Donald Trump impeachment is not going to happen.

Currently, my investment portfolio is doing quite well. My non-registered portfolio closed today session at $121,138.39, my TFSA portfolio at $83,273.96 and my RRSP portfolio at $47,955.82. My numbers are pretty much the same as they were back on November 15. My margin debt is currently at $50,060.69.

Pembina Pipeline Corporation (PPL) now had completed the acquisition of Kinder Morgan Canada Limited restricted voting shares (KML), but I still hold to my KML stocks in my portfolio. My Kinder Morgan Canada Limited restricted voting shares (KML) haven't transform yet into some Pembina Pipeline Corporation (PPL). I guess the migration could help to increased my dividend income, which is currently of an annual $9 042.60.

Wednesday, December 11, 2019

More free Enbridge Inc. (ENB) dividend candy to enjoy! MERRY CHRISTMAS BITCH ;-)

Yesterday, a stock of mine that I had been holding on tight since the early beginnings of my really amazing portfolio, Enbridge Inc. (ENB), came up with a big announcement that had made my day: just more and more juicy dividend free money! Yeah! This is Christmas before Christmas for smart investors to enjoy. This news came at the right time, just when Ia m a bit fooling around, asking myself if I should sell a few of my stocks, including CSW.A... I didn't proceed with any move yet, since I am so lost. But I just know what I need to do: to burn myself at the gym, which is something I didn't do in a little while - actually since probably October. But the gym is always there for mommy so I will be hitting on, I had been kind of missing it without knowing. When I am starting at my portfolio, wondering if I should sell this or this... got to move!

Enbridge Inc. (ENB) had made the Dividend Girl really happy with their 9.8% dividend distribution increased! This came at the right time because just a few days ago, I had updated my dividend income sheet for the year ahead, just to have an idea of what my upcoming dividend will be like. It's something I said many times before, but I will write it again: while investing, don't just focus on the dividend income. Holding high-quality stocks is certainly what is more important, to ensure you don't experiment capital loss along the way. One of my most successful stock - CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) - is absolute damn perfection, however, GIB.A doesn't pay a dime in terms of dividend distribution. That is a complete lack of generosity. But some stocks, like GIB.A don't care about their investors. Another really wealthy sexy stock that is highly successful, but are cheap mean interm of dividend is one of the only two US stocks that I hold: Berkshire Hathaway Inc. (BRK.B). Berkshire Hathaway Inc. doesn't care about their investors. And Berkshire Hathaway Inc. certainly knows that investors will invest in their company, even if they don't pay any dividend distribution.

With the dividend increase of yesterday regarding ENB, my overall dividend income is now at a good $9 042.60.

Saturday, December 7, 2019

Welcome in my TFSA portfolio Alimentation Couche-Tard Inc. (ATD.A)!

Things are not too bad for the TSX right now. We closed yesterday's session below 17,000 points, but not that far away. With Justin Trudeau playing Mr. Dumb-Dumb at the NATO summit in the back of Trump, we might get stuck in a bad turn at some point. And who knows, we may have Donald Trump in the portrait for another 4 years. I wasn't surprised to see Trudeau socializing with Marcon among others - and with the little new UK Prime Minister, a player among them all who will bring the United Kingdom right next to nothing soon enough. Justin Trudeau doesn't have the intelligence it takes to understand that he needs to socialize with the USA in priority because our economy directly depends on that unconditional friendship. France and the UK can easily be left behind. Justin Trudeau should be standing down to his knees in front of Donald Trump, begging for forgiveness with tears in his eyes.

Donald Trump is absolutely correct about Justin Trudeau. Justin Trudeau is definitively a two-faced, and not only a two-faced, but a two-faced Quebec idiot. Still, I am happy that everyone now knows the true nature of Justin Trudeau, but on the other hand, the release of that video is for me, a non-patriotic action. By releasing that video, CBS declared itself a non-patriotic organization. We are losing our face in front of Trump because of the release of that video. CBS didn't think of the consequences for our nation, and that's also a shame. Just to add something fancy to this toxic climate between the US and Canada, our economy lost over 70,000 jobs in November. That's quite bad news. We had been waiting for a recession to happen, and it might happen sooner than later. Just to add a little more stress, some trade negotiations are still going on between Canada, Mexico, and the US, which I wasn't aware of and I don't exactly understand the nature. I taught everything was fine. There's always something that points out when it's the less expecting. Just don't expect Justin Trudeau to be the man of the situation. In times of great needs, Quebeckers are always the weakest ones. 

End of the year season if always feel sort of an actual release. For me, 2020 is going to be a special year, as it's the years when I will be turning 40. I don't have any problem aging, especially since I don't look my age. My only "aging" problem that I am currently facing is a few white hairs here and there, but I am calmly fixing the problem with some blond highlights and no more problemo. I actually like this time of year because the feeling of starting - all over again - a new year, comes with many promises, like the possibility to get on a higher net worth, make new great investments, have more money in the bank, etc, etc, etc.

Talking money, my non-registered portfolio closed Friday's session at $118,956.13, my TFSA portfolio at $83,709.87 and my RRSP portfolio at $48,206.02. Yesterday, I place a little investment in Alimentation Couche-Tard Inc. (ATD.A), with the cash money that came from previous dividend distribution. I am happy with this little investment. I may be in the mood for more trading moves as I am getting mentally ready to closed in the year 2019 and guess what, in 2020, a new decade is kicking on. 

Corby Distilleries Limited (CSW.A) had been part of my non-registered portfolio since the early beginning. Back in the days - over a decade ago - CSW.A was a Derek Foster stock. And what Derek Foster hold, I usually hold too, it is really that simple. On date of today, I am on a profit of +44.51% on Corby Distilleries Limited (CSW.A). However, CSW.A is facing some difficulties. I am thinking about my options on that one.

Tuesday, December 3, 2019

Thinking about Alimentation Couche-Tard Inc. (ATD.A) as my next investment

This was going to happen one day or another, but it's too bad that it's happening now. The TSX closed today's session below the 17,000 majestic points. My non-registered portfolio closed today session at $117,442.14, my TFSA portfolio at $83,716.55, and my RRSP portfolio at $48,047.63.

I hope you had enjoyed Black Friday - I always do! This year, I scored a winter coat and boots, a scarf (to match the new coat of course), a nice black blouse, two t-shirts, some Yves Rocher beauty products, a pair of Michael Kors booties, a Michael Kors wallet (I was getting tired of my big Aldo plastic wallet) and it's about it ;-). As you can see, I had happily spent some money. I enjoyed Black Friday every single year in Montreal because for Boxing Day, I am at home in New Brunswick for the Christmas holidays. In my little town, there's nothing much that happens for the Boxing Day: all stores are actually closed on that day that is supposed to be THE happiest shopping day of the year!!! So no Boxing Day for the Dividend Girl. Sniff, sniff.

I am now close to $600 in cash inside my TFSA portfolio, that cash is coming from dividend distribution. I am thinking about investing in Alimentation Couche-Tard Inc. (ATD.A). I used to hold on to some ATD.A stocks.

Thank you

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