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Thursday, August 27, 2020

This is 40

This is it, I am now 40. I am currently listening to Donald Trump nomination speech and wow, I learning that God is blessing America. Melania Trump is wearing an awfully fluo green dress that is just ugly to hell. Doesn't she have a stylist to help pick up nice outfit or what? On that one, Melania Trump did a major fashion faux pas. I just don't understand her dress. If Melanie Trump is trying to make a statement, I simply don't get it. She's way too flashy while facing a crowd sitting one on the other, and most of people sitting down there are not wearing a mask!

According to Trump, American border are more secure than ever before. Yep. and that's because the US-Canada border is closed buddy - thanks God. The pandemic is helping a bit Trump in the process.

Wednesday, August 26, 2020

Tomorrow is the DAY - only one day left before my BIRTHDAY... and the world as we know it will never never be the same

This is quite exciting. The TSX closed today session on a nice gain of over 170, for a majestic total of 16,789.97 points. My non-registered portfolio closed today session on a $106,628.01, my TFSA portfolio at $90,495.23, my US portfolio at $3,827.64, and my RRSP portfolio - stocks only - at $48,664.38. I think that this is among the first time ever that I am reaching 90k inside my TFSA portfolio. I am not updating ny portfolio this evening because I am kind of running of time as I have a couple of things to do, I am busy. 

But quickly: I currently have $449.96 in cash inside my RRSP portfolio that is coming from my dividend distribution. Soon, I will have enough to place a new investment inside my RRSP stocks portfolio. I really like to reinvestment the dividend distribution money in a new stock. I will have to think about a new investment for my RRSP portfolio.

Currently, my margin debt is at $45,890.91, and I have left available on my margin an amount of $20,379.46. This leave me a little bit of room to proceed with another contribution in kind for my TFSA portfolio. the Telus Corp (T) stocks that I hold in my non-registered portfolio remain a good candidate, so I am looking forward to make that move by Friday. And since I have so many contribution room left for my TFSA - which is a shame but I do what I can, iShares S&P/TSX Capped REIT Index (XRE) would be another good candidate.

And following what, I won't have any more picks inside my non-registered portfolio to do contribution in-kind over my TFSA portfolio. Especially if the TSX continue to register gain like today, its going to be harder and harder to target stocks inside my non-registered portfolio because all of my investments are like gaining in value and I don't want to select stocks that are on a too high capital gain as stocks for a contribution in-kind to my TFSA.

Tuesday, August 25, 2020

With Erin O'Toole, the Conservative Party is dead - and only two days left before my BIRTHDAY!

According to his Wikipedia profile, he's 47 years old, but Erin O'Toole look like he's much more older, like a 60 years old or something. Erin O'Toole has clearly express himself as being anti-patriotic. Nothing to be surprise of, especially knowing that O'Toole father was an Irish descendant and his mother was from England. O'Toole parents were immigrants. But the worst thing being that Eric O'Toole was born in Montreal. Quebeckers are well-known for being cheater, liar and incompetent. We already have experience it many times with Justin Trudeau. Canada certainly doesn't need another Quebecker as top leader. 

O'Toole is certainly not different than others and he's not different from Justin Trudeau. The reason why that I am saying that Erin O'Toole is anti-patriotic is because he wants to recognize Quebec as a nation. Quebec province is not a better Canadian province than others. It's a shame and it should be recognize as a crime to design Quebec province as a nation. We in New Brunswick, we are among the first citizens who had built this country. We are bilingual, and we are not asking for any special treatments despite the fact that we are certainly better than any other Canadians.

Under Eric O'Toole, the Conservative Party is going absolutely no where. O'Toole is just a stupid little player. What I am looking for, my ideal politic party would be build on pure patriotic values, closed to the extreme right, but without the violence. Currently, I am not getting any of that from any party.

In life, you need to know who are your friends, and who you can rely on. And it's also extremely important to be able to recognize your enemies. Right now,  Erin O'Toole is not doing anything great for Canadians. By his willingness to recognize dumb Quebec as nation, he's destroying us. But could we really expect anything more coming from a son of immigrant?

Sunday, August 23, 2020

Finally contributing to my TFSA portfolio (yeah!) - and only 4 days left before my BIRTHDAY OMG!!!

The countdown still continue. Last week, the sell of Richelieu Hardware Ltd. (RCH) left me with a nice amount in my TFSA. I used that money to pay off an expense of mine, left some money to pay down my margin, and I also proceed with a contribution in kind to my TFSA portfolio. I took one of my recent investment that was in my non-registered portfolio - Rogers Communications Inc. (RCI.B) - and got it transferred over my TFSA portfolio. Since I still have several thousands left in contribution left for my TFSA, which is a shame, I am thinking about also doing a contribution for another recent investment of mine: Telus Corp (T).

Over the past years, I mostly contribute to my TFSA portfolio by doing contribution in kind. That's why the list of stocks that I hold inside my TFSA portfolio is much longer there than in my non-registered portfolio. It haven't always been that way. I used to have much more stock in my non-registered portfolio than in my TFSA one. Contribution in kind is an easy way to take advantage of your TFSA when no more fresh cash is available.

While targeting investments in my non-registered portfolio for possible candidates for a contribution in kind for my TFSA portfolio, I try to target investments that I care about and that I want in for the long run. Also, I like to target stocks that in the present time, are experiencing a small - or medium capital losses. Because if I go the other way, if I chose a stock that is experiencing big capital gain and get it transferred over my TFSA, unfortunately, I will have to report the capital gain and pay tax on them. Selecting stocks that you are experiencing a little loss on is the way to go. You won't be able to claim a capital loss, but you won't have to pay taxes on any future capital gain if the stock finally decided to grow. It's really important to take fully advantage of your TFSA portfolio because all dividend gain inside a TFSA portfolio is.. tax free and it's amazing.

Currently, I am experiencing a capital loss of  something like $500 on my Bank of Nova Scotia (BNS) stocks. BNS was a stock that was either in the Derek Foster Stop Working book, or in the Lazy Investor, I don't remember exactly which one, but BNS was a Derek Foster stock. This pandemic had been really bad for Bank of Nova Scotia. Since I am experiencing a loss on Bank of Nova Scotia (BNS), I had been thinking about using my Bank of Nova Scotia (BNS) stocks to do a contribution in-kind to my TFSA portfolio since I have left a really large contribution room for it, I could have done it without any problem. BUT, my problem being my margin account situation. A margin account is just a bitch that have control over you. While holding a margin account to a non-registered account, you cannot do everything you want, your liberty is being compromised. 

I simply cannot used my Bank of Nova Scotia (BNS) stock for a contribution in-kind because the margin value of my BNS stocks is just way too high. I would have to put on several thousands cash in my non-registered portfolio before doing that move and since I don't want to used any more debt money, despite our low interest rate environment, I am not getting into that shit. Low interest rate or not, it's extremely hard to pay down debt. Currently, I have a margin debt and a credit line debt that together currently make a total of $50 647.45. It's not that huge of an amount, I know I can take take down easily, over time. I am looking forward, now that I am soon about to turn sexy 40, to pay down my debt. We don't know how which turn this pandemic is going to take, I am getting older, as my "old" folks in New Brunswick, and I have no real trust in Chrystia Freeland as newly minister of finance. For all of those reasons, saving money and paying down debt - if you have any - should be - like it is to be - among your top priority.

Tuesday, August 18, 2020

Thank you and goodbye Richelieu Hardware Ltd. (RCH) - and only 9 days left before my BIRTHDAY!

Yesterday $234,852.72 net worth really surprised me. While noticing that my non-registered portfolio was exceeding the $110 000 value, I knew I have just no other choices than to update my portfolio.

The countdown continue... As announced yesterday, I actually moved on with my idea. This morning, at the TSX opening, I sold all of my Richelieu Hardware Ltd. (RCH) shares. Richelieu Hardware Ltd. (RCH) was a part of my TFSA portfolio since 2017. Until yesterday, RCH never been a success story in my portfolio. I saw my investment in RCH loosing as much as -$300 and more in value. My shares never really reached a positive territory. Richelieu Hardware Ltd. (RCH) value started getting better in the mid-July of this year. Yesterday was an over the edge performance for RCH. I had been waiting for 4 long years for that moment, but it's only yesterday that RCH began to finally deliver. This could mark a new era for Richelieu Hardware Ltd. (RCH). Maybe RCH is in for more gain. However, after waiting for 4 years, I wasn't going to waste any more time when it comes to Richelieu Hardware Ltd. (RCH). I am turning 40 in exactly 9 DAYS and I just have no more time to waste. I am not investing it stocks to glorify themselves, the effect wanted is actually all of the opposite. I want the businesses that I invest in to make me look good and push me over directly in the $300 000 net worth direction. Nothing too complicated to understand.

Just in case that you are wondering, I decided not to sell iShares S&P/TSX Capped REIT Index (XRE). XRE will remain for now in my non-registered portfolio, where it belong. I am afraid that if ever I sell XRE, I will lose up the "charm", and stop being successful with my portfolio.

Monday, August 17, 2020

Welcoming a $234,852.72 net worth - and only 10 days left before MY BIRTHDAY!

With today nice gain for the TSX, I was curious to find out where my value was at. My non-registered portfolio closed today session at $110,588.35, my TFSA portfolio at $89,868.72 and my RRSP portfolio at $48,110.87. And it's no surprise that my net worth closed this rainy day in the $234,852.72. Compare to my latest update which was on August 5, I made a gain of a bit over $8,000 in 12 days. If luck turn my way, I may be able to reach 240k right on time for my birthday. Got to hurry up TSX baby, because we only have 10 more days to go.

Something just too amazing to be true just happen today! For one of the first time ever, I think, I am on a little gain on Richelieu Hardware Ltd. (RCH). RCH always been a pain to hold inside my TFSA because that stock never went anywhere - it never really experienced gain. But now that I am on it - for like the first time ever - I just have one thing in mind: I WANT TO SELL OFF THAT CRAP!

LOL, but hell yeah. I may be turning 40 really soon, but I am still a really really bad bad bad girl.

I shouldn't be so severe when it comes to RCH. Back in the days, I had pick that stock on Susan Brunner blog. I taught I was on something good. But I never experienced really good gains on that stock and add to this already bad situation that Richelieu Hardware Ltd. (RCH) pays a really tiny dividend. Tomorrow, RCH, just get ready to be kick out of the woods. 

Also, I am secretly thinking about selling the iShares S&P/TSX Capped REIT Index (XRE) shares that I hold inside my non-registered portfolio. In there, I have XRE on a little gain, but since I already hold to a bunch of REIT inside my TFSA, I wouldn't mind selling my XRE shares to pay down a little my margin debt. 

My only problem is emotional, because XRE had been in my portfolio since my early beginnings. What if I sell XRE, and my luck, as well as my youth just fade away on that specific day when I turned 40... Can a single stock hold on to all of the white magic of the world? I am scare that if I sell XRE, I will be no longer me.

My investment portfolio on date of August 17, 2020

Cold cash: $2,065.64

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10,469.43
Methanex Corporation (MX): $3,006.16
Fortis Inc. (FTS): $6,856.35
Pembina Pipeline Corporation (PPL): $27,311.90
iShares S&P/TSX Capped REIT Index (XRE): $2,332.75
New Flyer Industries Inc. (NFI): $1,889.45
TMX Group Inc. (X): $1,088.72
K-Bro Linen Inc. (KBL): $3,352.00
TransCanada Corp (TRP): $$1,627.50
Canadian National Railway Co (CNR): $12,368.70
Enbridge Inc. (ENB): $15,197.00
Emera Inc. (EMA): $1,334.00
BCE Inc. (BCE): $1,241.68
Saputo Inc. (SAP): $1,409.60
Loblaw Companies (L): $848.52
Savaria Corporation (SIS): $8,421.56
WSP Global Inc. (WSP): $4,322.00
Aphria Inc. (APH): $1,208.00
George Weston Limited (WN): $99.58
Rogers Communications Inc. (RCI.B): $1,672.20
Telus Corp (T): $2,189.46
Power Corporation of Canada Subordinate Voting Shares (POW): $2,341.43
TOTAL: $110,588.35

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,653.76
General Mills Inc. (GIS): $2,056.64
Cash: $53.32
TOTAL: $3,763.72 US: $5 026,07 CAN
Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
CT Real Estate Investment Trust (CRT.UN): $1,387.00
Canadian National Railway Co (CNR): $5,497.20
Exchange Income Corporation (EIF): $31.00
Brookfield Infrastructure Partners L.P. (BIP.UN): $3,963.72
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,732.20
Andrew Peller Limited (ADW.A): 
Toronto-Dominion Bank (TD): $1,259.20
Boyd Group Services Inc. (BYD): $6,285.90
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,313.80
Data Communications Mgmt (DCM): $1.53
Morneau Shepell Inc. (MSI): $2,565.00
Royal Bank of Canada (RY): $6,311.50
Park Lawn Corporation (PLC): $1,759.80
Toromont Industries Ltd (TIH): $2,940.00
BCE Inc. (BCE): $507.96
Boralex Inc. Class A Shares (BLX): $1,323.60
Richelieu Hardware Ltd. (RCH): $1,616.90
Savaria Corporation (SIS): $1,108.10
Northland Power Inc. (NPI): $3,640.00
Calian Group Ltd. (CGY): $4,625.74
Canadian Utilities Limited (CU): $1,391.04
WSP Global Inc. (WSP): $2,161.00
Granite Real Estate Investment Trust (GRT.UN): $777.30
Cargojet Inc. (CJT): $5,292.79
Nutrien Ltd. (NTR): $2,571.50 
TFI International Inc. (TFII): $4,583.20
Canadian Imperial Bank Of Commerce (CM): $2,919.90
SIR Royalty Income Fund (SRV.UN): $205.00
ATCO Ltd. (ACO.Y): $2,460.00
Aecon Group Inc. (ARE): $1,477.98
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,588.94
Metro Inc. (MRU): $2,275.06
Alimentation Couche-Tard Inc. (ATD.A): $547.80
Fortis Inc. (FTS): $1,860.25
CGI Inc. (GIB.A): $1,821.80
TMX Group Limited (X): $3,402.25
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC): $462.42
BEPC: $432.88
Suncor Energy Inc. (SU): $381.65
Cash: $781.89

TOTAL: $89,868.72

RSP investment portfolio: 
Emera Incorporated (EMA): $15,847.92
Ovintiv Inc. (OVV): $340.62
Toronto-Dominion Bank (TD): $1,888.80
Telus Corp (T): $2,454.12
Royal Bank of Canada (RY): $1,942.00
Savaria Corporation (SIS): $3,197.66
Thomson Reuters Corporation (TRI): $3,575.52
Park Lawn Corporation (PLC): $5,866.00
Richards Packaging Income Fund (RPI.UN): $2,500.08
Toromont Industries Ltd (TIH): $514.50
CAE Inc. (CAE): $1,462.30
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,188.15
Boralex Inc. Class A Shares (BLX): $1,654.50
Quebecor Inc. (QBR.B): $843.00
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $230.79
Brookfield Renewable Partners L.P. (BEP.UN): $1,097.06
Leon's Furniture Limited (LNF): $544.00
Bank of Nova Scotia (BNS): $343.26
BEPC: $247.36
Cash: $373.23

Total: $48,110.87

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: 

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

NBI Income Fund: $1,415.74

Manulife Fidelity NorthStar GIF CAP: $1 768,54
Manulife Simplicity Growth Portfolio: $1 328,69
Maritime Life CI Harbour Seg Fund: $1 500,21
Maritime Life Fidelity True North Seg Fund: $1 312,05
Manulife GIF MLIA B World Invest: $1 339,72
Total: $7,249.21

Other various: $17,499.40
TOTAL: $78,368.59

Social Capital at Desjardins Membership share: $35
Online money: $61.25
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

On the date of August 17, 2020 

My debt situation on date of August 17, 2020

Margin account: $46,260.90 @ 4%

Annual interest: $1,850.44

Credit line: $4 900 @ 4.31%

Annual interest: $211.19

Total: $51,160.90
Total annual interest: $2,061.63
On the date of August 17, 2020

Monday, August 10, 2020

With a today gain of 6.55%, New Flyer Industries Inc. (NFI) is ON FIRE!

It was quite impressive to see the TSX reaching the 16 600 points today. Really recently, Barrick Gold increased its dividend distribution, as well as TMX Group Inc. (X). Luckily enough, I hold X in both my non-registered and TFSA portfolios. TMX Group Inc. (X). dividend increased is not much compared to the one that was giving to Barrick Gold, but a little increased is better than nothing at all.

While working form home, I like to listen to BNN. Today, GFL Environmental Inc (GFL) CEO was on BNN. It was looking like he was giving his TV interview from a luxury camper or something like it. Unfortunately, this CEO appearance didn't help GFL Environmental Inc (GFL) case over the TSX today, as GFL lost more than 5 %. I am just happy not to have GFL Environmental Inc (GFL) in any of my portfolios.

My non-registered portfolio closed today session on an AMAZING $108,822.34! My TFSA portfolio at $89,364.64, my RRSP (stocks only) portfolio at $47,345.41, and my US dollars portfolio at $3,793.00 US. Currently, I suspect my net worth to be in the $231 000. The last time I had a net worth in the 230k was back in February of this year. For my 40th birthday coming right on this August 27, I would like a 240k net worth please. Is it too much asking? We'll see.

In the meantime, I am just enjoying my New Flyer Industries Inc. (NFI) stocks, who decided to show it all today and hit on a majestic 6.55% gain. The road haven't been an easy one for New Flyer Industries Inc. (NFI). NFI had been in my portfolio since the early beginnings and ever since, we went to many ups and downs. In my non-registered portfolio, NFI is on a 21.55% gain. NFI is now on good vibes.

Some stocks are easier to hold than other. I wouldn't recommend you to invest in NFI. I am holding on to NFI because we now have a long history together and I am not losing money on it. However, the story could be different if you decided to now invest in NFI. Timing has a lot to do if you get successful or not with an investment.

However, a stock that I know and is easy to hold is WSP Global Inc. (WSP). I hold WSP is both non-registered and TFSA portfolio. In my non-registered portfolio alone, I am on a 69.96% gain on WSP. I had been successful with WSP Global Inc. (WSP), but however, beware that this one is a Quebec base company and it had deal with corruption and stuff. Let just say that WSP Global Inc. (WSP) is a real dirty one piece of whore company who clearly sold their soul to obtain lucrative contracts in the past.

If you are looking for something for reliable ans sustainable, something that you'll be proud to be holding on your portfolio, I absolutely got what you need: Toromont Industries Ltd (TIH). I am more than extremely proud to have Toromont Industries Ltd (TIH) in my portfolio. TIH is definitely one of those stocks that you can invest your bucks in and have almost nothing to worry about.

I am soon turning 40 and I certainly know good stocks. And you are just really really lucky to have find me.

Wednesday, August 5, 2020

Just another hot stock pick for your investment portfolio: Thomson Reuters Corporation (TRI)

Sadly, for this past July, the best thing that I had done was to get an hair cut. The heat destroy all hope that I had for doing something out of myself. I just hated this month of July, stuck in Montreal in the hot heat of summer. I was just too scare of the covid to go anywhere at all. In my miserable life, nothing valuable happen that need to be mention, at the exception of a few little things. The month of July wasn't very good for the TSX, but nothing really bad happen either way. I am more feeling myself without the heavy heat. August is usually more fresh, which I prefer, and as you might know, August is also my birthday month!

Let's just start the good news part with my really fabulously pretty TFI International Inc. (TFII) who's currently surfing on it's really highest value EVER. And the best part being that the smart smart smart girl that I am of course, hold on to some TFII, and where please? Inside my TFSA portfolio. Just so smart!!! Currently, I am on a gain of 50.25% on TFI International Inc. (TFII). 

My birthday is coming in a hurry, in exactly 22 days and the big 40 is coming with it. At now almost 40 years old, I am lucky enough not to look my age, thanks to 60 SPF (I suggest an at least 50 SPF) sunscreen that I apply several time a day on my pretty face and all sort of beauty creams. Among my favorites, we'll find Caudalie products, I especially like their vinoperfect serum; IDC express multi-action global 16-in 1 anti-aging cream, and also the Yves Rocher's Anti-Âge Global night cream. Now, my beauty secrets just got reveal. Another good move is to work out at the gym, sweating your ass off is good to keep away unwanted wrinkles, at least for now.

In a few past posts, I had exposed a few stocks treasure, which are stocks that help me along the way to blow out the 200k net worth value. You can actually do the really same thing on your side, if you are smart enough to invest in those stocks treasure. Among those treasures, we saw: Boralex Inc. (BLX)Cargojet Inc. (CJT)Emera Incorporated (EMA), and Fortis Inc. (FTS). Those are just a few great stocks that I hold inside my investment portfolio, but they are certainly among the top of the list. Those are my super duper great great stocks performer, but of course, I hold on to some more hot stuff!

Just in case you are in need of another great stock for your Canadian investment portfolio, you can always turn to Thomson Reuters Corporation (TRI). I barely write about that one at all. But TRI is like the best stock ever. Once you hold it to your portfolio, you almost forget actually that it's in there. Inside my RRSP portfolio, TRI is currently on a gain of 80.41%.

The TSX closed today session at a good 16,501.61 points. I was curious to see where my numbers were at so I just updated my investment portfolio. I am slightly below the value I had back in June. This is just quite a hard time to move forward in value. I am experiencing some problem with my Bank of Nova Scotia (BNS), which I am losing on -5.01% on. However, I am on good gains with my TD and RY stocks. BNS is going behind, which is not fun. Strangely, I am doing better with my investment in Power Corporation of Canada Subordinate Voting Shares (POW), who closed today session on a 6.18% gains. I don't recommend Bank of Nova Scotia (BNS) as investment to any of my readers.

Stay around because in my next post, I have another great super stock to expose (I got to keep things to say for my next post, sorry).

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