My investment portfolio on date of January 5, 2021

Cold cash: $3,393.93

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

iShares S&P/TSX Capped REIT Index (XRE)

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

Aphria Inc. (APH)

George Weston Limited (WN)

Telus Corp (T)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $112,611.00

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

TOTAL: $3,778.15 USD: $4,838,30 CAN

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI)

CT Real Estate Investment Trust (CRT.UN)

Canadian National Railway Co (CNR)

Exchange Income Corporation (EIF)

Brookfield Infrastructure Partners L.P. (BIP.UN)

Brookfield Renewable Energy Partners L.P. (BEP.UN)

Andrew Peller Limited (ADW.A)

Toronto-Dominion Bank (TD)

Boyd Group Services Inc. (BYD)

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)

Data Communications Mgmt (DCM)

Morneau Shepell Inc. (MSI)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Richelieu Hardware Ltd. (RCH)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

JFT Strategies Fund Class A Units (JFS.UN)

Cash: $452.76
TOTAL: $103,083.18

RSP investment portfolio: 

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

Logistec Corporation Class B Subordinate Voting Shares (LGT.B)

Brookfield Renewable Partners L.P. (BEP.UN)

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

Cash: $63.49

Total: $52,943.43 CAD

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,232.02

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

Natural Resources Term Savings (Indexed term savings): $502.45

NBI Income Fund: $1,427.55

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio 

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $7,870.95

Other various: $20,011

TOTAL: $86,564.70

Social Capital at Desjardins Membership share: $35

Online money: $61.25

Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$310,587.36

On the date of January 5, 2021

My debt situation on date of January 5, 2021

Margin account debt: $48,088.73

Annual interest: $1,923.55

On the date of January 5, 2021

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

My experiencing trading The Ether Fund (QETH.U): a $591.19 profit in only 2 business days!

Today, the TSX closed Monday session at a good 17,527.77 points. My non-registered portfolio closed at $110,329.85, my TFSA portfolio at $102,552.56 and my RRSP portfolio - stocks only - at $53,060.50.

This was certainly fun, but it didn't go quite smoothly as you could expect. As announced previously, back on December 31, I had invested in The Ether Fund (QETH.U) inside my non-registered portfolio, using my margin account money. I was hoping to sell on the same day, but it didn't happen. The idea of having to hold my The Ether Fund (QETH.U) units before being able to sell them at profit didn't bother me. I had done my searches to give myself a good overview, and I was confident enough to hold on to The Ether Fund (QETH.U) until being able to sell. However, the idea behind this investment was really to trade it, and make a quick hit-and-run hot move. 

Cryptocurrency is all new to me, but I can tell that the crypto world is a volatile one. Bitcoin and Ethereum both currently run in what is their highest value ever. What you need to remember is that both Bitcoin and Ethereum are held by millions of individuals who, just like yourself, are looking to make money. Following great gains like we are facing now for Bitcoin and Ethereum, sooner or later, these cryptos will eventually face some sell major off. That's the main reason why you should only invest the amount you can lose while trading cryptocurrency. That's why I did back on December 31, 2020, I invested in 100 units of The Ether Fund (QETH.U). QETH.U trades on the TSX. For me, The Ether Fund (QETH.U) represented the easiest way to trade more or less directly Ethereum (ETH). 

Today's chart for Ethereum (ETH) is looking a bit like this:

Please note that ETH today's range highest value was of $1,464.255 (on date of January 4, 2021, 7:28 pm Eastern Time). Yahoo might had experienced some problems to update its page, but that comprehensible knowing that cryptocurrency is trading around the clock, no time for maintenance lol. Are you noticing anything special? The Day's Range $1,464.255 exceeds, by little, but still, the Ethereum (ETH)'s 52 Week Range highest value, $1,454,2549. Not by much, but still. Never neglect the power of the cent. This is coming from the Yahoo Finance section, right here.

This is what Ethereum (ETH)'s overall chart look like:

Overall charts are really extremely important for me. You need to have a look at not only a 5 or 10 years chart but also the overall chart. If not, you won't have a look at what had Before investing in anything, my thing is to look at the chart. By overall chart, I mean the chart since the opening of X fund, X stock or... X cryptocurrency. For most stock, 2008 is a reference point. But for Ethereum (ETH), the reference date is 2018. If a stock or other investment that I have an eye on doesn't exceed its value of the pre-2008 stock crash, I probably won't be interested in investing in it. For a reason that I don't know yet, 2018 had been an important year for Ethereum (ETH). Currently, ETH is about to catch on to its old value of 2018. We are living another important event in Ethereum (ETH) history.

For that reason, I knew that this morning's market-opening was the perfect moment to sell my The Ether Fund (QETH.U) at profit. I had been careful not to miss the opening, which is at precisely 9:30 am. At exactly 9:30 am, I look at the value of QETH.U, and the units were trading at a majestic $21.66 US dollars! Please remember that yes, The Ether Fund (QETH.U) is being traded on the TSX, but it is trading in US dollars over the TSX!!! This matter makes it quite difficult to trade The Ether Fund (QETH.U). Let me explain. This morning, when I notice that my The Ether Fund (QETH.U) units were trading at $21.66, one second later, I was proceeding with my sell order. My sell order got registered, but it took several seconds before the order went through. This was quite frustrating. Usually, when I buy stocks that trade on the TSX, I place my order, and the second after, my order is being proceeded. It didn't happen like that with The Ether Fund (QETH.U) and I didn't understand what was going on, but then I taught: it's the fault of the US dollars currency that QETH.U is on!!! 

Without knowing anything, I am pretty sure that fact that QETH.U trades in US dollars is having a negative impact on the capacity to trade quickly QETH.U. The advantage of the TSX is that we have s smaller market. When you see a price for a stock, it might change a bite the second after, but not that much. However, while trading some volatile assets like The Ether Fund (QETH.U), when you place a sell order, you need to have it done quick, because its price may show up more volatility than your regular investments. A few seconds pass but during that time, I was trying to get in touch with my broker, without success. After a few seconds, fortunately enough, my sell order went through, and I was able to cash in, after commission fees, a cute little sum of $591.19. I couldn't believe it and I was quite excited!!

I will continue to watch Ethereum (ETH) and I may trade again The Ether Fund (QETH.U).

Other than that, I am patiently waiting for the JFT Strategies Fund Class A Units (JFS.UN) to declare its special dividend distribution for 2021. If I don't get any dividend from JFS.UN this year, I will be pretty disappointed.

On another happy note, I don't know if you have noticed, but this year in 2021, this blog is celebrating its 15th year! Let's hope for another - at least - 15 years of fun on the TSX!!!

Does Ether (ETH) really worth investors excitement?

At now $1,304.5082 CAD, the crypto-Ethereum (ETH) trades in its highest value ever. From what I can see in its chart, I am pretty sure that its highest value ever for the past 52 weeks was reached a bit earlier, which is now... yesterday (January 3). And of course, I now hope that this will be beneficial for the Ether Fund (QETH.U) later on today at the opening! Ethereum (ETH) is quite fun to watch because it's trading activities NEVER stop. I like to follow Ethereum (ETH) value on Yahoo, right here. I really like that Yahoo page because the ETH value updates by itself, no need to refresh the page, but I admit that I like to refresh the page anyway. Refreshing is something I do most of the time on the TSX page during trading days. Refresh, refresh, refresh. Go, go go!

The stock market opening (9:30 am) represents an important moment for The Ether Fund (QETH.U). Sometimes, when it comes to volatile investment like QETH.U, the opening can represent a good opportunity to sell at profit. Sometimes, opportunities show up quickly. The opening can be a key moment. If the moment is right, you want to be there, in front of your laptop and ready to trade. It is that simple.

In a close future, if my impression of The Ether Fund (QETH.U) remains a good one, I will put on some cash in my TFSA portfolio and trade QETH.U on a small amount, free of tax. I would like that.

My last investment of 2020: Welcome in my non-registered portfolio The Ether Fund (QETH.U)!

I had updated my portfolio earlier and it happens that I closed the year 2020 on a net worth of $259,661.24, just so super close to the 260k! This $259,661.24 marks my highest net worth value EVER. This is quite bizarre knowing that I had reached my highest value ever during this COVID pandemic. Despite it all, the TSX remains super strong. Usually speaking, following big gains on the stock market comes shortly after lower days. A correction could happen, and it will happen, but one thing for sure, when it will happen, it's not going to be fun, especially now that I am on my highest value ever. I am, however, optimist, I am under the impression that we will continue to surf on TSX in good shape for the months to come. The vaccine needs to be working. I wasn't able to celebrate my 40th birthday properly, and either my dad 70th, which suck to the highest.

Have you noticed anything a new in my latest portfolio update? I have some cash (but unfortunately my margin debt had grown a bit, I am now at $50,731.14! And are you noticing any newcomer in my non-registered portfolio section? :-)

Following my finding of Bitcoin Fund The Class A units (QBTC), The Bitcoin Fund (QBTC.U) and The Ether Fund (QETH.U), I couldn't resist the temptation. I wanted to place one last investment to close this 2020 chitty year on a high note. I have to admit, I wanted to do what I personally like to name as a quick hit-and-run sassy move on The Ether Fund (QETH.U). By this, I mean that I wanted to buy some QETH.U units, and if possible, sell of them on the same day. I do this sort of trading once in a while, but not really often. I am pretty sure that it might be pretty hard for a day trader to perform their art over the TSX. Since our TSX is so strong and is, what I consider as being the best stock market on Earth, knowing that, the conditions are not optimal to find stocks that will register quick gains in one day. But when I found Bitcoin Fund The Class A units (QBTC), The Bitcoin Fund (QBTC.U) and The Ether Fund (QETH.U), I taught: DAY TRADING TIME!!! Just to spice up things a bit. Because in time of a pandemic, you get your excitement on your own, and by any means. 

Such investment moves are riskier, of course, so my advice would be to play only the amount you feel comfortable to lose, just in case... Personally, when it comes to The Ether Fund (QETH.U), yes, my idea was to cash - eventually - any future capital gains, but I don't mind if some time pass by before the happy moment actually happens. When I bought my The Ether Fund (QETH.U) shares, something strange happens. I don't know if it's also the case with Bitcoin Fund The Class A units (QBTC) and The Bitcoin Fund (QBTC.U), but with The Ether Fund (QETH.U), it's like the weirdest thing ever. QETH.U trades on the TSX, but it's trading price is in US dollars. Basically, we have a Canadian asset that is trading in US dollars on my precious TSX! This is quite scandalous for me. But I proceed with the buy order anyway. 

In the past few days Ethereum (ETH) had been in good vibes. Just a few hours ago, ETH reached $1,0001.54. Currently, at now 10:08 pm Eastern Time, ETH is at $990.46. Ethereum (ETH) highest value for the past 52 weeks was of $1,001.60. The fact that we are currently - at 10:08 pm - closed to those 52-week high is a good sign. It's a sign of stability in the value and I like that.

Happy New Year 2021 Investors!

 :-)

My investment portfolio on date of December 31, 2020

Cold cash: $3,397.87

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS): $12,728.00

Methanex Corporation (MX): $6,199.94

Fortis Inc. (FTS): $6,812.00

Pembina Pipeline Corporation (PPL): $23,748.90

iShares S&P/TSX Capped REIT Index (XRE): $2,490.85

New Flyer Industries Inc. (NFI): $2,794.44

TMX Group Inc. (X): $1,017.12

K-Bro Linen Inc. (KBL): $3,897.00

TransCanada Corp (TRP): $1,293.75

Canadian National Railway Co (CNR): $12,594.60

Enbridge Inc. (ENB): $14,777.73

Emera Inc. (EMA): $1,352.50

Saputo Inc. (SAP): $1,425.20

Loblaw Companies (L): $753.72

Savaria Corporation (SIS): $7,750.56

WSP Global Inc. (WSP): $6,029.50

Aphria Inc. (APH): $1,760.00

George Weston Limited (WN): $95.08

Power Corporation of Canada Subordinate Voting Shares (POW): $2,689.16

The Ether Fund (QETH.U): $2,034.90 CAN

TOTAL: $112,245.33

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,856.00

General Mills Inc. (GIS): $1,881.28

Cash: $67.19

TOTAL: $3,804.47 US: $4 883,04 CAN

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,567.00

Canadian National Railway Co (CNR): $5,597.60

Exchange Income Corporation (EIF): $36.64

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,282.64

Brookfield Renewable Energy Partners L.P. (BEP.UN): $2,472.75

Andrew Peller Limited (ADW.A): $1,802.56

Toronto-Dominion Bank (TD): $1,438.40

Boyd Group Services Inc. (BYD): $6,586.80

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,499.30

Data Communications Mgmt (DCM): $3.78

Morneau Shepell Inc. (MSI): $2,792.70

Royal Bank of Canada (RY): $6,798.35

Park Lawn Corporation (PLC): $1,676.40

Toromont Industries Ltd (TIH): $3,568.00

BCE Inc. (BCE): $1,687.33

Boralex Inc. Class A Shares (BLX): $1,889.60

Savaria Corporation (SIS): $1,012.20

Northland Power Inc. (NPI): $4,567.00

Calian Group Ltd. (CGY): $4,895.84

Canadian Utilities Limited (CU): $1,305.78

WSP Global Inc. (WSP): $3,014.75

Granite Real Estate Investment Trust (GRT.UN): $779.00

Cargojet Inc. (CJT): $6,230.07

Nutrien Ltd. (NTR): $3,062.00

TFI International Inc. (TFII): $5,242.40

Canadian Imperial Bank Of Commerce (CM): $3,261.60

SIR Royalty Income Fund (SRV.UN): $250.10

ATCO Ltd. (ACO.Y): $2,268.60

Aecon Group Inc. (ARE): $1,685.08

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,999.34

Metro Inc. (MRU): $2,158.40

Alimentation Couche-Tard Inc. (ATD.A): $522.00

Fortis Inc. (FTS): $1,820.00

CGI Inc. (GIB.A): $2,019.80

TMX Group Limited (X): $3,178.50

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC): $645.33

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC): $742.60

Suncor Energy Inc. (SU): $362.95

Rogers Communications Inc. (RCI.B): $1,777.80

JFT Strategies Fund Class A Units (JFS.UN): $562.31

Telus Corp (T): $2,319.32

Cash: $416.56
TOTAL: $102,812.10

RSP investment portfolio: 

Emera Incorporated (EMA): $16,392.30

Ovintiv Inc. (OVV): $384.09

Toronto-Dominion Bank (TD): $2,157.60

Telus Corp (T): $2,596.63

Royal Bank of Canada (RY): $2,091.80

Savaria Corporation (SIS): $2,920.92

Thomson Reuters Corporation (TRI): $3,750.48

Park Lawn Corporation (PLC): $5,588.00

Richards Packaging Income Fund (RPI.UN): $2,536.05

Toromont Industries Ltd (TIH): $624.40

CAE Inc. (CAE): $2,468.90

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,534.65

Boralex Inc. Class A Shares (BLX): $2,362.00

Quebecor Inc. (QBR.B): $819.00

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $245.35

Brookfield Renewable Partners L.P. (BEP.UN): $1,538.60

Leon's Furniture Limited (LNF): $701.42

Bank of Nova Scotia (BNS): $412.80

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC): $445.56

Cascades Inc. (CAS): $480.15

JFT Strategies Fund Class A Units (JFS.UN): $1,163.40

Cash: $50.62

Total: $53,264.72

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,235.86

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

Natural Resources Term Savings (Indexed term savings): $502.45

NBI Income Fund: $1,429.09

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio 

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $7,894.95

Other various: $20,053.42

TOTAL: $86,957.79

Social Capital at Desjardins Membership share: $35

Online money: $61.25

Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$310,392.38

On the date of December 31, 2020

My debt situation on date of December 31, 2020

Margin account: $50,731.14 @ 4%

Annual interest: $2,029.25

On the date of December 31, 2020

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

Investment ideas for day traders: Bitcoin Fund The Class A units (QBTC), The Bitcoin Fund (QBTC.U) and The Ether Fund (QETH.U)

There will be no investment portfolio update today because the TSX closed today's session at 17,543.43 points, -80.45. Nothing dramatic, but nothing that worth a portfolio update. In case of need, this one is awesome and mark my highest net value ever! Of course, I want to continue on the right curve. I keep my eyes all open, watching what's going on with the TSX. In 2020, 3iQ launched three funds related to the cryptoasset world. The latest 3iQ's fund is by far the most interesting one, is The Ether Fund (QETH.U).

 

Ether (ETH) is a digital currency designed to be used primarily within the Ethereum applications. At first, you could believe that Ether is similar to Bitcoin, but it's not the same thing. Ether and Bitcoin share similarities, but through Ethereum, blockchains exist to do more. Ether (ETH) evolves in a completely different financial system, in a system that is dependant. The Ether Fund (QETH.U) trades on the TSX, which is open Monday through Friday from 9:30 am to 4:00 pm Eastern Time. Regarding the Ether (ETH) trading hours, it's a bit different.

Ether (ETH) can be bought or sold at any time of the day. It made ETH trading quite convenient. Other cryptocurrencies, like Bitcoin, not to name it, and Ripple (XRP). With its around-the-clock trading, cryptocurrency is a world of its own that reveals to be quite different from the stock market. The cryptocurrency world seems to be more liberal than the stock market. At this time - and I don't think that will ever change - I don't feel comfortable buying cryptocurrencies, especially not Bitcoin (BTC). However, different funds, like Bitcoin Fund The Class A units (QBTC), The Bitcoin Fund (QBTC.U), and The Ether Fund (QETH.U) that trades under the legislation of the TSX gives investors like me the opportunity to get involved in a promising sector.

The reason why I never got any interest in cryptocurrency is because of Bitcoins. In my opinion, Bitcoins are a shit currency that is used by hackers around the world as a preferred method of payment. Around the world, ransomware victims are under one obligation. They need to pay their hackers in Bitcoins to have access to what they have lost. Such madness is being actively promoted by Bitcoin who's doing absolutely nothing to stop such crimes. For me, Bitcoin only means hacking and pain. Bitcoins had been around since 2009, but no one knows for sure the identity of the founders. Bitcoin's founder is known to be Satoshi Nakamoto, but there's no one standing behind that name. Satoshi Nakamoto is only a nickname. Maybe Bitcoin had been created by hackers. No one can know for sure. Some evil hackers would have created Bitcoin as a secure payment method for their illegal activities. The fact that no individual is standing behind Bitcoin is quite frightening to me. That's a problem we don't have when it comes to Ether (ETH).

The founders of Ethereum are Vitalik Buterin and Gavin Wood. From my understanding, Gavin Wood is no longer involved in Ethereum. Vitalik Buterin was born in Russia. He immigrates with his family in Ontario, he even went to the University of Waterloo, but soon drop-out to concentrate on his activities with Ethereum. Listening to interviews that been giving by Vitalik Buterin is interesting. I am far from being a specialist in cryptocurrency, but when Buterin talks about Ethereum and Ether (ETH), I get what he means. His speech is crystal clear. Vitalik Buterin is so smart and amazing. Check it out for yourself:

If I ever buy crypto in my life, it will be in some Ether coins. But for now, I prefer to invest in Ether through The Ether Fund (QETH.U). QETH.U is a recent new comer on the TSX. Today alone, The Ether Fund gains +16.916%. Those great gains are quite appealing.

This is my financial vision board for 2021

Just a few days left and 2020 will be behind us. 2020 was supposed to be my year. In 2020, I turned 40, and my father turned 70, so a lot was going on. I had reserved a two-week vacation at the beach in New-Brunswick, everything was going to be a blast. But the good plans didn't happen because of the COVID. I usually go to New-Brunswick every 2-3 months, but in 2020, I didn't do anything. I didn't travel to Cuba either way. I am currently on a two weeks vacation that I am spending at home in Montreal. I could have spent that time in Cuba in a resort somewhere like Cayo Coco, but I resisted the temptation. It is not time to travel overseas, but only a time to stay home.

Despite it all, 2020 wasn't all bad. After all, it's in 2020 that I reached my highest net worth value ever. That value is currently $259,070.79. That's why this in my "vision board" for 2021 and lucky are you to have access to it:

I never had a vision board before, this is all new to me. It's the main reason why it's so simple, standing alone on a yellow basic post-it. However, the wording alone contains an efficient, extremely powerful message. My vision board contains two key secret messages: 

Message #1: I want a $300,000 net worth;

Message #2: I am the boss.

:-) 

That's all well said. I think the $300k net worth goal is reachable for 2021 if I control my expenses. I shouldn't have any problem in that regard. With the pandemic that is still going on, I won't be able to visit New-Brunswick in the next couple of months. Fact that malls and stores are closed is helping as well. Luckily enough, I am not a fan of online shopping. I rarely buy anything online. Online shopping is a trap to make you spend all of your valuable money. It's way too easy to overspend online. I prefer to see in person the items I want to purchase before buying. 

It's certainly not by buying stuff outside stocks that will help me reach my precious $300,000 net worth. For 2021, I hope to stay in control of my finances, save more money and invest more.