Just Energy Group Inc. (JE) celebrating its 20th birthday in New York City!

Wowww! First, the TSX lost a couple points, but it doesn't matter. My non-registered portfolio is up at $160 779.84, which is an increase of $294.84 compare to yesterday. Good, but I am missing $1 700.27 for a 200k net worth... But surprise, I received my federal tax refund today, close to $300... And tomorrow is... PAYCHECK day baby. PAYCHECK. I think that tomorrow could be the happy day, we'll have to wait and see. Anyhow, its not today that I had reach my first $200 000 net worth, but today was the birthday of Just Energy Group Inc. (JE)! Yeah! I would had been too cool that both things happen on this special day. 

One thing for sure, once I will be happily sitting on a $200 000, it will be my fortune and I will shake my ass just like Iggy Azalea (I don't know how she does it, but her jello ass swing a lot! lol!!!) but you won't get to see it unless I finish in a strip club which could happen, you never know. What a good tune to burn gym pants on. Listen to the song for itself please or imagine that I am one of the chick in the video. Do as you wish...

I had been holding on to JE for a very very long time in my portfolio. I lost a couple of thousands on the title, but at least, its paying good dividend. And who knows, maybe JE will go up again. And today, Rebecca MacDonald and her senior staff were at the New York Stock Exchange to ring the Bell of the market. What a moment! Ding-ding-ding-ding! 

Rebecca MacDonald is quite an extraordinary woman and I am a mega fan of her. She had started Just Energy out of nothing. You might want to read about her story. She's one kind of a lady with wonder skills and killer instincts. I am proud to be a shareholder of Just Energy Group Inc. (JE) for those reasons. But I have to say, I would like to recover from those capital loses. There's always hope since I still hold to my old time shares.

In my opinion, Just Energy Group Inc. (JE) is an honest company. JE may have ring the bell in the US, but its in Canada that we have the best stock market of the world. And some Quebeckers are not aware of that. And think they are better, and want Quebec province to separate and become a country of their own. Shame on them. But that is only the tip of the iceberg. In Canada, Quebeckers are well known for their lack of integrity. The mass is not properly educated and articulated. And they are among the worst cheaters and liars, its actually quite incredible. I personally think its because of their very direct French heritage. Ok, I can hear you saying - yeah, but you are Acadian, you are French too right? Not exactly. Deportation was sadly benefit in many strange way - it had killed for good all links to our French heritage, so the culture is not French, but properly Acadian, and we have to speak a language, so it was French. We were not to speak English like our UK enemies at least. I am not exactly proud of my in deep French roots, but who fuck with who before to get to me is not something that obsess me either way. Quebeckers are hypocrite like only French of France can be. They are poisonous and sick people and their province is as fuck up as France is. I am not French!

This being express, over the years, Bombardier Inc. had benefit from millions and millions of dollars in tax money paid by Canadians. And that being for which purpose please? To give millions and millions to the idiots who are not able to deliver the C series properly. And the most hilarious thing of all is that Bombardier Inc. (BBD.B) trade at a tiny little $2.09 per share on the TSX. The company has no trading value what so ever. And its a good thing.

Investors need to stay away from such disastrous companies. I am now your best friend and you must know: don't invest a single penny in Bombardier Inc. (BBD.B). The TSX is the dream to any Canadian and foreign investors. If I am about to make it to the 200k without investing that much, always small amount over time, its because the TSX is the best stock market of the world. I never fail at finding new fabulous stocks on the TSX. I am doing even better than Jean-François Tardif, my way of investing had been more profitable than his poorly manage JFT Strategies Fund (JFS.UN). If you hold any of JFT Strategies Fund in your portfolio, your a total loser. Because you can do better on ACO.Y, just to name that one. 

You should never consider investing in a fund manage by a Quebecker, all a bunch of money sucker who are extremely incompetent. Now you are aware, so be smart. and try to survive to the hell of Quebec province. Each day is a new fight and don't come too close or I will knock you out.

Surprise surprise, my net worth is now at $198 299.73

Its an official number, I just published a portfolio update. It was a short one, but I had a feeling it wasn't about to happen yet... I am only missing $1 700.27 to hit on the so wanted $200 000 net worth. I hope it will happen soon so I can move on to something else, a bit more exciting... 

My first $300 000 net worth. I am soon going to pop up to the 200k, its only a matter of days now. And once at 200k, we'll be in real business.

My debt situation on date of March 29, 2017

$86 288.90 at 4.25% = $3 667.28 in annual interest

[In date of March 29, 2017]

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

My investment portfolio on date of March 29, 2017

Portfolio

Non registered Investments:
Cold cash: $3 517.29   
 
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.27
Bank of Nova Scotia (BNS): $9 285.12
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 590.97
Fortis Inc. (FTS): $5 139.96
Pembina Pipeline Corporation (PPL): $21 272.46
Just Energy Group Inc. (JE): $7 549.08
Enbridge Income Fund Holdings Inc. (ENF): $12 018.40
Corby Distilleries Limited (CSW.A): $2 780
Premium Brands Holdings Corporation (PBH): $38 590.88
iShares S&P/TSX Capped REIT Index (XRE): $2 527.14
New Flyer Industries Inc. (NFI): $5 277.96
TMX Group Inc. (X): $538
K-Bro Linen Inc. (KBL): $3 902
WesternOne Inc. (WEQ): $16.40
TransCanada Corp (TRP): $1 546.25
Canadian National Railway Co (CNR): $8 853.30
Enbridge Inc. (ENB): $1 564.36
Agrium Inc. (AGU): $5 829.58
Canadian Utilities Limited (CU): $1 641.36
Black Diamond Group Ltd (BDI): $96.50
Emera Inc. (EMA): $1 176.25
Cineplex Inc. (CGX): $1 256.75
BCE Inc. (BCE): $1 296.02

Saputo Inc. (SAP): $1 849.60
Lassonde Inc. (LAS.A): $2 298.40
Loblaw Companies (L): $867.96
Savaria Corporation (SIS): $6 777.10
Stornoway Diamond (SWY): $1 449.10
Open Text Corporation (OTEX): $1 812.80
Canadian Imperial Bank Of Commerce (CM): $3 516
ATCO Ltd. (ACO.Y): $3 165

TOTAL: $160 485.08

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 332.72
Coca-Cola Company (The) (KO): $1 442.28
Cash: $33.99

TOTAL: $3 756.18 CAN 

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $60.12
Dumont Nickel Inc. (DNI): $21.53
RioCan Real Estate Investment Trust (REI.UN): $911.75
AltaGas Ltd (ALA): $931.20
CT Real Estate Investment Trust (CRT.UN): $1 510
Canadian National Railway Co (CNR): $3 934.80
Exchange Income Corporation (EIF): $9 331.20
Firm Capital Mortgage Investment Corporation (FC): $561.20
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 479.31
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 182.90
Laurentian Bank of Canada (LB): $1 182.40
The North West Company Inc. (NWC): $1 543.50
Andrew Peller Limited (ADW.A): $3 766.29
Barrick Gold Corporation (ABX): $1 022.80
Canadian Imperial Bank Of Commerce (CM): $1 758
Hydro One Limited (H): $2 425.01
Toronto-Dominion Bank (TD): $1 322.60
Boyd Group Income Fund (BYD.UN): $2 519.10
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 342.20
Keg Royalties Income Fund (The) (KEG.UN): $1 415.40
Data Communications Mgmt (DCM): $12.18
Westshore Terminals Invest Corp (WTE): $5 581.40
Morneau Shepell Inc. (MSI): $1 759.50
Royal Bank of Canada (RY): $3 927.60
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 203.50
Parkland Fuel Corp (PKI): $1 914.88
Stornoway Diamond (SWY): $1 573.80
Park Lawn Corporation (PLC): $1 014
Toromont Industries Ltd (TIH): $1 846.40

Cash: $137.61

TOTAL: $61 192.18

RSP investment portfolio:
Emera Incorporated (EMA): $12 138.90
EnCana Corporation (ECA): $1 711.80
Toronto-Dominion Bank (TD): $1 983.90
Barrick Gold Corp (ABX): $1 278.50

Telus Corp (T): $2 157
Alimentation Couche-Tard Inc. (ATD.B): $478.80
Royal Bank of Canada (RY): $1 963.80
Savaria Corporation (SIS): $2 710.84 
Thomson Reuters Corporation (TRI): $2 317.20
Park Lawn Corporation (PLC): $3 380
Richards Packaging Income Fund (RPI.UN): $858.33
Toromont Industries Ltd (TIH): $323.12
Cash: $3 939.25                                         

CIBC Dividend Growth Fund: $795.07
CIBC Emerging Markets Index Fund: $521.38
CIBC Monthly Income Fund: $1 385.83                            

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

GIC National Bank: $1 312.89                                  

Manulife Fidelity NorthStar GIF CAP B: $1 259.53
Manulife Simplicity Growth Portfolio: $1 295.19
Maritime Life CI Harbour Seg Fund: $1 221.02
Maritime Life Fidelity True North Seg Fund: $1 522.02
Manulife GIF MLIA B World Invest: $1 106.06

Other various: $8 767.47

TOTAL: $55 507.65

Social Capital at Desjardins Membership share: $35
Pending online income: $57.71 + $37.54
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$284 588.63

My net worth is now at $196 869

ATCO Ltd. (ACO.Y) and Toromont Industries Ltd (TIH) both made great gains today. I am very impress by ACO.Y, I wasn't expecting the stock to perform so well really quickly. ATCO Ltd. has very solid foundation. It build itself, but not only, during Alberta boom economy in oil. But to be able to survive and do so well now, the company is taking it grow from its well diversified business and it make it a must in any portfolio. At a time where I am just super closed of reaching 200k in net worth, I really needed a stock like ATCO Ltd. (ACO.Y) and I have to say that I am beating up all of the pretty ass of all the way any financial advisors, any mutual fund managers, any hedge fund managers. Isn't a lovely picture? My stocks are making my anonymous glory and everything is out there for you to enjoy. No commission need to be pay, I work for free for the people. And as long I am alive, I will be blogging, and showing my love for my stocks. Because its really what its all about, I am a femme fatale just looking for her newest everything investment, just like if I were looking for a new lover. NEXT please. I use, sell and buy whenever I want. I don't need anyone permission. I am all in with my money and margin cash.

Its hard to believe, but the baby is really about to arrive! My net worth is now at $196 869, if not even a bit more. I am guessing a $197 300. Anyhow, as soon as I feel that I am at the special $200 000 place, I will have to post a portfolio update. Its quite exciting. I am like a mother expecting a child. You know its coming, but not exactly when. For my part, sexy mamma think it could happen by next Friday if the TSX go in the right direction. And after that, I will be a hurry for my first $300 000 next worth. There's no end to this thing, its a monster with many many heads that is popping up among the way. But I am not scare of the monster. I actually love him a lot. If my portfolio could be a man, he would be perfect.

I just really hope that you'll all be as smart as I am and that you'll all invest in at least ATCO Ltd. (ACO.Y) and make me move that stock. I am from now on and always your favorite stock pusher who wear lipstick so she wouldn't be tempted to buy any coffees at work. It actually work for today, but got stock in a mid-afternoon drama where I was feeling asleep like I had no energy and I needed a nap. That's what happen when your addicted to caffeine. Life can get hard.

My best secret unknown stock that is a must to any investment portfolio: ATCO Ltd. (ACO.Y)

My newest investment proud is definitively ATCO Ltd. (ACO.Y). Toromont Industries Ltd (TIH) is also really great. Sometimes, an investment doesn't rock on right away inside a portfolio. It need to take its air and relax. Others are in the act immediately, and its been the case with my investment in ACO.Y. At this turning point where I am so super close of my first $200 000 net worth, I need to hold on to only the best investments and only the best. I cannot lose money, I need to make money. I need great dividend income distribution. And I am currently at an annual dividend income of $7 322.03 or the equivalent of $610.17 / month - excluding my RRSP distribution.

Its great to keep track of dividend income, but its dangerous at the same time to focus exclusively on dividend distribution. Stock paying over 5% in dividend yield should be considered as dangerous and risky investments. Stock that pay a high dividend income are mostly tempt to reduce their dividend distribution and when a distribution cut is being announced, the stock value usually plunge. And its when you'll lose money. I hold some of those in my investment portfolio. Another thing to know is that my portfolio is a great work of perfection - but its not perfectly perfect. I wouldn't like anyone to actually replicate my portfolio exactly the way it is now. Take the best of me and drop the rest. Learn from my mistakes. But know that ACO.Y is a rocket. Its my newest mine of gold. My newest everything.

ATCO Ltd. (ACO.Y) is a very big company, well diversify in different fields. Its actually difficult for me to resume the activities of the company in a few words, but check it out of their Web site. ATCO also have activities outside Canada. So far, ATCO Ltd gain 1.96% inside my non-registered portfolio. I like to invest in family business that is still being own by a family member. That way, I am being sure that management is really doing everything that is possible to ensure the success of their business. 

Among family business that I own in my portfolio, we have: Just Energy Group Inc. (JE), Saputo Inc. (SAP), Loblaw Companies (L), Savaria Corporation (SIS) and Andrew Peller Limited (ADW.A) - just to name those.

Hot tips on how to manage your money like a super pro

I consider having a low income, even being in the second tax bracket. Its hard to save money, but if you are creative enough, its possible to save money. Overtime, I came with the idea that the ability to save money is a gift. You are naturally born as a saver or a spender. Its possible to fix bad spending habits, but from my experience, its extremely hard to share the importance of saving money to heavy spenders. In my case, its even cost me a friendship. I could no longer stand the other person spending habits and time and distance helping, I no longer have any contacts and its better that way. Because you can really burn yourself out repeating over and over the same thing. I find that heavy spenders often have social problems - its really important for those individuals to fit in, have many friends, go out a lot, be well dress; look and appearance being extremely valuable for them.

I am from those who were born natural savers. I never had any problems to save money. I was actually a better saver when I was making less money and that my job situation was less stable. Because when I didn't have regular paycheck, I wasn't going to the hairdresser every 6 weeks or so, I didn't buy as many clothes and beauty products. My ultimate failure is beauty products but because of it, I don't have any wrinkles yet and I hope to remain intact for the next 10 years.

This being said, here's the kind of spirit that is needed when you need to come over with some drastic saving habits: whenever you spend money, the money is lost, its no longer yours. So if after knowing that, you still cannot cut on your spending, its mean you have a problem. And good thing is, its not my problem. When it come to money, selfishness is around. I thing the general population had really poor knowledge on how to handle money. When I was working at BMO Bank of Montreal in their call center located in Montreal, I was receiving many desperate calls. I once got the call of a lady desperately crying to have access to the money she has in BMO mutual funds. She wanted the money right away, but it was impossible. It was really sad. Overall, what shocked me the most was the cross selling that we were force to perform. And also the fact that there's many Canadians out there who don't have any saving at all and live on paycheck per paycheck. There can be many reasons for this, but its always possible to save money. I come with no silver spoon in my mouth, I had to pay for my studies, for basically everything that come with it. I left home in my young twenties because I quickly realize there was no work for me in my hometown. And after, I became super rich, if you considered a net worth of $194 979.33, maybe even 195k - my latest evaluation - as being super rich... I do.

The failure in our system is that we don't teach anything about finance in high school. People don't get to heard about the stock market unless they come from a rich entourage or are doing the search by themselves. And its a real big problem. Because when come the adult life, its not the time to learn about the basics. And if on top on that you don't know how to save money, them, your adult life is really starting the wrong way. Is is something that Justin Trudeau will come with one day to help Canadians create richness for themselves? Hell no, the man is ridiculous and doesn't have any ideas of what to do to help Canadians succeed. The only thing Justin Trudeau did was to give out massive amount of money to Canadians. But giving out money won't serve at nothing. Warren Buffett understood that a long time ago. That's why he only pay for the studies of his great children and nothing more. 

It was more easy for Justin Trudeau government to give money to families in form of allocation rather than coming out with tangible programs that will benefit to all. Canadians made a really bad choice by electing him as Prime Minister. And now, that lunatic man is going to ruin our future. We won't see the end of this deficit. It create a trauma and because he gave so much money away, there's nothing left for programs or to create great stuff. I think Justin Trudeau is an incompetent.

Now come the best part, fuck Trudeau, how to manage your money like a Dividend Girl:

-Live below your need.

-Don't blow your budget on renting. Go with something smaller than bigger. The goal is not to spend too much on your rent. Don't spend too much on furniture. Go to iKea, I thing they have the best deals, but shop around if you really need something. Prefer really basic furnitures. Don't spend a dime at decorating. My apartment is really plane and not stylish at all - but not being is your new way starting now.

-Go to the gym instead of doing anything else that could lead you to spend money: that way, you won't spend money. And you'll get a sexy body to die for. 

-Live every week like a brand new, table rase, one to set new goal and be serious about it. Forget about the past mistakes.
-Eat breakfast home.
-Try not to buy morning coffee (very hard!) - if your a girl, but some nice lipstick on. You won't get your morning coffee because you don't want to destroy the good looking color standing on your lips...
-Live on cash. What's your monthly budget? Keep the money for your rent in the bank and withdraw the rest. That's what you have in your hands is for the month - do or die!
-And of course, bring your lunch home.
-Don't color your hair - I stop coloring mines and I may have safe plenty among the way.

Just a few tips for now to keep in mind. This week, I bought two purses at Fafa and a Laura Mercier lipstick. I barely wear makeup anymore, but lipstick is a must not to look ordinary. I have a thing for those Fafa purses. Wonder what my failing is about? Go check it here.

I hope you enjoy.

Justin Trudeau: leave my capital gains alone

The London terrorist attack is so sad. It happen in such in a beautiful location. I was watching for news of the federal budget when I found out.

The federal budget was presented today. At least, tax on capital gain won't increase. Its about the only positive thing that came out of this budget. This is something that was going to affect investors, big like small. Its a release, because since I am located in the second tax bracket, I am already paying a lot in income taxes. I struggle to save a few dollars to invest. The federal government live on our hard earned money, but its seem like money is nothing for Justin Trudeau. Under Trudeau, our richness is not properly manage. I find this Liberal government having very poor leadership and no view on what to actually do now so the economy can re-bounce now, and not in 10 years from now. Action is not focus in the immediate time. Its a lot easier to concentrate on the long term rather than taking decision now that will have positive impacts in our life in the next few months.

Our deficit is now at 28.6 billions of dollars. A government that hold debt is not like an individual who have to pay off debt - that's truth, but its a concern for me that this Liberal government, with all its freshness and impotence, is driving us in a dangerous hole. This same government did not even propose a pay off plan for this enormous debt. The only thing Justin Trudeau can actually do correctly is to take the pose for magazines and take some stupid selfies. At a point, we won't be able to pay off that huge deficit. Its very disgusting and Canadians don't seem to be alert or even concern. I am very shocked and upset. But what you expect more coming from a Quebecker? Justin Trudeau should never been elected. He only had a high school teacher background. He never suffered from anything in his life and he's not the right man to handle serious duties. Canadians had made the wrong choice. I knew something like this will happen under his govern. A total mess and we'll suffer one day or the other from that incompetent of Justin Trudeau. We are not that rich of a country to handle big billions in debt like that.

Now more than ever before, its time to save money and be wise spender. In my next post, I will chat a bit on my day-to-day strategies to save money. In other words, you'll learn how to be as smart as a Dividend Girl.

Welcome in my non-registered portfolio ATCO Ltd. (ACO.Y) and Coca-Cola Company (KO)!

I did it with no regret, I sell off all of the stocks that I was holding of Stella Jones Inc. (SJ) inside my non-registered and RRSP portfolio. Over time, I don't think SJ financial situation will improve and its 10% dividend increased was just for me a show off to cover up the fact that the stock can no longer perform as well as it used to be. And I hate when company like this increase dividend income when they shouldn't be. Its very unprofessional, but you shouldn't expect too much coming from a Quebec business located in Montreal. I happily cash in a profit of $270.06 in my non-registered portfolio and $1 938.51 inside my RRSP. In my case, it was time I go out of Stella Jones Inc. (SJ). SJ lost 2.74% today and I think its up for more loses. What matter the most at this time is not to lose money, and to invest in stock that will make my glory and that I can relax on, and that will push my net worth value over the edge. Nothing easy, but nothing impossible either way.

So I got rid of SJ today, but I had welcomed a brand new stock inside my non-registered portfolio: ATCO Ltd. (ACO.Y). I am very excited about this new acquisition. Its like having a brand new diamond ring but no one can see it, if not me. But its looking good anyway! I always enjoy new bling-bling. There's nothing better than holding on to a brand new stock and when you know its the one, its stock I am going to get richer on, well, its when life decided to give you something extra to get satisfy.

Currently, I have eyes on iShares S&P/TSX Capped REIT Index (XRE). I am thinking about selling it too. I had been holding this one for many years but capital gains haven't been mega generous.

I didn't sell Stornoway Diamond (SWY) and its a good thing I didn't. Deep inside, I didn't want to sell my diamonds mine. Its been said that SWY is about to be acquire... anyway, will see. And during that time, SWY is beefing up the wood!!! We are seeing a little increase in the value and its a good thing.

I had very good hope for my US investment American Outdoor Brands Corp (AOBC), but it didn't work as expected. I sold out, lost about $500, and I invested in one of Warren Buffett favorite stock: Coca-Cola Company (The) (KO). I think I am on the good road to recover from that little US lose. I will recover in no time, I promise.

With all of those changes, my dividend income is now at $7 240.67, which is quite good at this point of the journey. I don't have any stocks I am interest in at this point. Next step will be to put a couple thousands on my margin to decrease its using. The next couple months are probably going to be quiet, but with the Dividend Girl, you never know, so better stay tune.  

Its time to say goodbye to sexy Stella Jones Inc. (SJ) and its CEO Brian McManus

I invested in Stella Jones Inc. (SJ) back in 2013. At the time, I was so excited about the stock that I even sent an email to Derek Foster to tell him of my great finding. After all, I had made thousands by investing in his stocks, I had to repay him in someway. You just cannot imagine how much I was excited by my finding - just out of this world! The dear Derek Foster replied back saying something like that he knew about the stock - wow!, but wasn't interested in investing in it, wasn't matching his criteria or something like that. No matter what, I invest in SJ and made several hundreds in capital gain inside my non-registered and we are taking about close to 2 thousands in capital gain inside my RRSP - because I am holding on to SJ in both my non-registered and RRSP.

It appear that Derek Foster was right about SJ. Today Stella Jones lost 5.24%. I am still in the profit zone no matter what for now, but I am tempt to sell SJ now before it get too late - no matter how good looking is Brian McManus. I don't care. Stella Jones recent dividend increased of 10% was certainly a way to cover up their financial misery, but sooner or later, investors sell, analysis get in and it get dirty smoke. All alone, the dividend distribution, even with an increase of 10% - really doesn't worth it. And I cannot afford losing any money so I prefer to sell quickly like a cute rabbit - at least of what I hold inside my non-registered portfolio. 

If like me you had made several thousands with Stella Jones Inc. (SJ) and you are a market chicken just like I am, you might like to at least partly sell SJ. Because when the profits will be all gone, you won't be able to get any free juice from SJ. Your time will be dead.

Being out invested in the stock market is not an easy thing, but when I have too, I sell. I decided to sell SJ because of it poor dividend income and poor market situation of the time. I cannot afford stock losers because I am not a loser.

Now, my new everything is on the spot: ATCO Ltd. (ACO.Y). I will partly invest on margin on this one but its only because I deserve a treat. My tax declaration had been done for 2016 today, I worked really hard to have a couple of thousands in my bank account. Enough sacrifices. I want ATCO Ltd. (ACO.Y). It will look like a shiny star in my portfolio. It will be my latest proud, so be ready ACO.Y, I am coming for you.

Welcoming a nice $193 969.21 net worth

When I saw that my non-registered portfolio closed the session at $154 906.78, I knew something was going on. The TSX might had lost 71.92 points this past Friday, but it didn't matter. My overall portfolio closed at $277 598.39. I currently have $3 510.02 in cold cash - hard to imagine for a girl who used to be 100% invested. I can proudly say, I am no longer 100% invested, I am now... 98.74% invested. Got to start somewhere. For the first time in years, I am no longer 100% invested.

While holding on to a margin of $83 629.18, my net worth on date of March 17 was $193 969.21. WOW. Just imagine what will happen to me when the TSX will go up again. I never been so closed to the 200k net worth and its hard to believe that I am actually just right there, especially knowing how little I had invested in the couple past months. Since I began this blog and my money journey back in 2007, we can say that it took me 10 years to reach the famous $200 000 net worth, which is almost there. Not too bad of a score.

And just to but things a bit hotter, my non-registered portfolio closed today session at $155 453.57 while the TSX was losing 48.17 points. I now have available $17 583.28 on my margin - well enough to make an investment move on Atco Ltd. Its tax season and its not easy to go through it, but in my case, its done and completed. I made over 60k in 2016. I am waiting for a pay back of about $400, but my tax declaration alone cost $119. Anyway, money is always welcome, even for small amounts.

My debt situation on date of March 18, 2017

$83 629.18 at 4.25% = $3 554.24 in annual interest

[In date of March 18, 2017]

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

My investment portfolio on date of March 18, 2017

Portfolio

Non registered Investments:
Cold cash: $3 510.02

Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.27
Bank of Nova Scotia (BNS): $9 101.43
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $6 391.15
Fortis Inc. (FTS): $4 969.44
Pembina Pipeline Corporation (PPL): $21 350
Just Energy Group Inc. (JE): $7 169.82
Enbridge Income Fund Holdings Inc. (ENF): $12 472.55
Corby Distilleries Limited (CSW.A): $2 731.25
Premium Brands Holdings Corporation (PBH): $36 869.44
iShares S&P/TSX Capped REIT Index (XRE): $2 500.96
New Flyer Industries Inc. (NFI): $4 831.92
TMX Group Inc. (X): $543.84
K-Bro Linen Inc. (KBL): $4 180
WesternOne Inc. (WEQ): $15.30
TransCanada Corp (TRP): $1 530
Canadian National Railway Co (CNR): $8 667
Enbridge Inc. (ENB): $1 538.88
Agrium Inc. (AGU): $5 949.64
Canadian Utilities Limited (CU): $1 629.60
Black Diamond Group Ltd (BDI): $90.50
Emera Inc. (EMA): $1 153.50
Cineplex Inc. (CGX): $1 266.75
BCE Inc. (BCE): $1 282.60
Stella Jones Inc. (SJ): $831.40
Saputo Inc. (SAP): $1 810.80
Lassonde Inc. (LAS.A): $2 129.20
Loblaw Companies (L): $850.08
Savaria Corporation (SIS): $6 211.50
Stornoway Diamond (SWY): $1 465.95
Open Text Corporation (OTEX): $1 842.80
Canadian Imperial Bank Of Commerce (CM): $3 529.20

TOTAL: $154 906.78

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 382.56
American Outdoor Brands Corp (AOBC): $1 361.50
Cash: $163.68

TOTAL:  $3 887.36 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $60.06
Dumont Nickel Inc. (DNI): $21.53
RioCan Real Estate Investment Trust (REI.UN): $909.65
AltaGas Ltd (ALA): $929.40
CT Real Estate Investment Trust (CRT.UN): $1 490
Canadian National Railway Co (CNR): $3 852
Exchange Income Corporation (EIF): $9 297.10
Firm Capital Mortgage Investment Corporation (FC): $562.80
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 276.30
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 151.40
Laurentian Bank of Canada (LB): $1 175.20
The North West Company Inc. (NWC): $1 533.50
Andrew Peller Limited (ADW.A): $3 590.01
Barrick Gold Corporation (ABX):
Canadian Imperial Bank Of Commerce (CM): $1 764.60
Hydro One Limited (H): $2 388.65
Toronto-Dominion Bank (TD): $1 321
Boyd Group Income Fund (BYD.UN): $2 619
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 247.70
Keg Royalties Income Fund (The) (KEG.UN): $1 403.50
Data Communications Mgmt (DCM): $12.72
Westshore Terminals Invest Corp (WTE): $5 751.25
Morneau Shepell Inc. (MSI): $1 748.70
Royal Bank of Canada (RY): $3 870.40
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 148
Parkland Fuel Corp (PKI): $1 820.80
Stornoway Diamond (SWY): $1 592.10
Park Lawn Corporation (PLC): $975
Toromont Industries Ltd (TIH): $1 817.20

Cash: $103.72

TOTAL: $60 438.89

RSP investment portfolio:
Emera Incorporated (EMA): $11 893.80
EnCana Corporation (ECA): $1 537.92
Toronto-Dominion Bank (TD): $1 981.50
Barrick Gold Corp (ABX): $1 256.50
Stella Jones Inc. (SJ): $4 138
Telus Corp (T): $2 142.50
Alimentation Couche-Tard Inc. (ATD.B): $475.28
Royal Bank of Canada (RY): $1 935.20
Savaria Corporation (SIS): $2 484.60
Thomson Reuters Corporation (TRI): $2 312.80
Park Lawn Corporation (PLC): $3 250
Richards Packaging Income Fund (RPI.UN): $862.95
Toromont Industries Ltd (TIH): $317.45
Cash: $43.57                               

CIBC Dividend Growth Fund: $794.55
CIBC Emerging Markets Index Fund: $514.51
CIBC Monthly Income Fund: $1 381.33                                 

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

GIC National Bank: $1 312.89                                  

Manulife Fidelity NorthStar GIF CAP B: $1 518.82
Manulife Simplicity Growth Portfolio: $1 292.80
Maritime Life CI Harbour Seg Fund: $1 225.92
Maritime Life Fidelity True North Seg Fund: $1 247.76
Manulife GIF MLIA B World Invest: $1 084.39

Other various: $8 733.01

TOTAL: $54817.8

Social Capital at Desjardins Membership share: $35
Pending online income: $37.54
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$277 598.39

Premium Brands Holdings Corporation (PBH) is stealing the show on the TSX

Wow, some hot stuff is going on right now! Like almost every evening, I checked on my portfolio, and what a surprise, my non-registered portfolio climb like a rocket to... are you ready? GO: $154 119.02! I own the spectacular profit to all of my portfolio, but one stock in particularly rock it on all today. Its Premium Brands Holdings Corporation (PBH). PBH gain 5.73% today. Mega $$$.

I first invested in Premium Brands Holdings Corporation (PBH) back in February 2010. I was wised enough to recognize that PBH was one of the stock that will turn me into a rich girl. And 7 years later, I am about to hit on the 200k net worth. What a long road. 7 years!!! But time didn't pass on my pretty face. Premium Brands Holdings Corporation (PBH) is actually the only positive thing that I was able to get from Jean-François Tardif. Because his JFT Strategies Fund suck so much that I sold all of the units I was holding from JFS.UN. All alone, PBH is a killer and it worth much more than anything that Jean-François Tardif could come with right now. And with all that good stuff, I estimate my net worth to be set up at $192 285.61. I don't need Jean-François Tardif no more, but I have to say I am grateful. Because if today I have the appeal of a queen, its because of him. Its because of Jean-François Tardif that I have PBH in my portfolio. Simple is that. Sometimes, life is strange. I cannot totally hate him even if he's a Quebecker. I just can't.

And other nice surprise. I have a little note book in which I write my portfolio, my number of shares and the annual dividend for each investment. Well, it happen that I just notice this evening that I was missing one investment in that list. I had forgot to note KEG.UN and its dividend. And as you might know, PBH announced today a dividend increase of 10.5%. This is so awesome. So both thing together + DRIP, bring my annual dividend income to a very fantastic $7 170.07.

Now, I am just very curious to see what's will happen next.

BMO Bank of Montreal is also upselling customers

The TSX gain some valuable points today and it help my non-registered portfolio to reach the $152 233.41. My TFSA closed at $60 194.68. I estimate my net worth to be at $190 400. Its a good step forward. I was pleased today to see Just Energy Group Inc. (JE) closing at $8.06. If even JE is taking up some strong beef, its because everything is really possible. Like if this super babe could have everything she wants.

TD is currently under fire. A few days ago, CBC came with a story of ex TD Bank Group employees saying they had been put under pressure to sell and make clients sign up for products and services that they didn't need or even ask. Banks CEO received millions and millions in "compensation". That money need to come somewhere. In the financial industry, where everything is really focus on money, bonus and performance, at the end, the pressure to upsell customers is quite common. Customers are paying the price. The need to be smart is needed.

I had invested in the past in mutual funds and I have deal with financial advisers in the past and I got more bad than good experiences. I had the experience of a financial sector extremely fresh. I once had invested in Manuvie products. I wanted to invest 5k in RRSP related product. but I had a bad surprised, the advisor only but 3k in RRSP. I had to called Manuvie to have the mistake corrected and I was really pissed off. Did I ever bought some financial products with Manuvie ever again? Hell no.

Once at Mont-Royal Desjardins, I wanted to invest in mutual fund for my RRSP. Even if I had the correct investor profile and the money, I was denied access to the product that I wanted. Do I make any business with Desjardins now? Hell no.

I am just telling quickly a few stories but I had lived many others. You may go through the hundred other posts wrote in the past couple years.... you have too. ;-)

I have several thousands of dollars at my disposal to invest and play with, but from my experience, its way better to be a self doer because in Quebec, there's no good financial advisers or bank or firm that exist. Quebeckers are people who are very fresh, selfish, careless and have no class. When it come to money, they are extremely incompetent. I never put my money and trust in the hand of any Quebeckers and I strongly advice to outcomers to be extremely careful. Living in Quebec is not easy or fun. But if I am now so close to hit on the $200 000 net worth, its only because I am top sexy smart.

Generally speaking, the Quebec mass is not good and shouldn't be trust in any way. This is really important to know. Its a matter of education and Quebeckers are not well educated and that being in every field, especially when it come to money management.

Several years ago, I was working at BMO Bank of Montreal. I had followed an entry level training to work at their Montreal call center. The pressure for sales was really intense. Basically, I had to do sale in every single calls and by "sale", it meant the opening of a credit line or credit card, the opening of a bank account, the "update" of a banking account, etc. When you transferred a call for a credit line to another service, the supervisor knew who had transferred the call and if the customer had open a credit card or anything else, the sale was put under our name. There was a real competition going on by sector and by shit. A client could call simply to check on his or her balance let say, but land up with a credit line because it was pitch at their face... Stuff like that.

Toronto-Dominion Bank is being accused right now, but BMO Bank of Montreal has a lot to be ashamed of. What a bunch of little fuckers.

I prefer to be a self-made rather than having to deal with some idiots. Please kiss my assets.

The $200 000 net worth is on its way

The TSX may had lost 165.21 points today, but my portfolio reaction was quite smooth and I was surprised because I was really expecting some loses and felt bad about it, as always. I am not in to lose money. I need to make money, especially at the time where I am just so very close to hit on the $200 000 net worth. Sooo close that the only thing I find to keep it cool is to sweat all of my body evening after evening like if I were going to marathon or something like that. And I kept thinking that if I would be Eugénie Bouchard tennis star best pal, I would had transformed her into a beast like I am and she'll be winning her games one after the other instead of losing them. I don't know what shes does at the gym but she needs to wake up and listen to Eminem songs on her iPod and this is it. And yes, mine (booty) is getting all shake up these days. I guess it oxygen my brain a lot because I am on top of my game and there's nothing I love more than winning. And nope, you cannot beat me up. You cannot do close better on the market right now. Sweet secret love: sometimes, I am at my best like now..... when I keep it nice and quiet and don't trade. But don't tell anyone.

It wasn't looking good from the outside today. Just to make things just a bit more rough, the weather is currently really bad in Montreal. A major winter storm is on. I forgot to call my old folks to check on them but its too late to call now. I got busy watching tv and time pass by. The bad weather was just a good excuse to skip the regular I-like-to-burn my ugly sport gears ritual at the gym until I see holes. One day, nothing will be left and I will have no choice than to buy a couple of t shirts that actually fit me and are not too flare. And I would like some long leggings too please. Those at Gap look so pretty nice. The jogging pants are about to be put in fire. And its too hot to exercise in jogging anyway.

But oh no, cannot buy too much right so the ugly clothes will remain for now for many reasons as I just have a few thousands to go for my little emergency fund project. Easter is coming up and no way I am going to stay here. So far, sexy lucky girl with the ugly sport gears was able to spend all of Easter in New Brunswick for the past couple years. If after that you still believe that God doesn't exist, its just really not my problem.

Best thing is, the TSX lost close to 170 points and my non-registered portfolio closed at $151 067.24 and TFSA $59 901.56. I currently don't trade, but I would like to have Atco Ltd. And TIH is still the hot stuff too. I didn't sell Stornoway Diamond (SWY) yet. I prefer to keep it for now even if I taught about selling it.

The next hot TSX stock for my portfolio: Atco Ltd

I have to say, Atco Ltd (ACO.X) is an interesting stock, there's great articles that cover the family  business history online, you might want to read this one at least. ACO.X chart is certainly rocky. However, many aspects play in my advantage. At 59 years old, I am not under the impression that Nancy Southern will leave behind her father and grandfather legacy anytime soon. What I like about stocks is that it make me benefit of all the super hard work of individuals like Nancy Southern and in return, I don't need to do anything at all, if not to be smart as always, buy some company stocks and hold on it tight like precious jewels, collect dividend, enjoy the cash and if lucky, the capital gains. 

I mean, it would be dumb not to have Atco Ltd in my portfolio, especially knowing how good of an investor I am - right? This is the kind of game I like to play. Nancy Southern is no longer "only" the CEO Atco Ltd, she's about to be at my very own personal service without even knowing. No one really know what that woman is capable of and soon enough, Atco Ltd will turn my portfolio into fire. So let's go.

I guess that over the years, my instincts served me well. I can recognize a good stock when I see one. And when love hit me on, there's nothing that can stop me from getting what I want. And right now, too bad that the stock market is closed, because I only want Atco Ltd in my portfolio. Its going to be sweet dreams tonight. When money is in your mind, you can only sleep too well.

Sometimes, I fail at my duty. And its a good thing in a way because at a point, I could get scared of my own self if I would only make great investment moves after the other - but like said its almost, very almost the case. The TSX is my place to be and I want to hold on to everything susceptible to turn me into a very spoil rich girl. I won't be giving up anytime soon, I promise.

I guess you understand by now, I absolutely need Atco Ltd in my portfolio.

About a stock that didn't turn in my favor, there it come: Stornoway Diamond (SWY). 

I am thinking about selling my SWY stocks to buy Atco Ltd. I have to check on the ticket, as I would like voting shares of Atco Ltd so I can put a bit of pressure on Nancy Southern shoulders. Just a little bit.

Happy WOMEN day, investors

Day like this, with no clear market direction, is not an ordinary day. It can be as stressful just like if the market would had lose 150 points. Maybe the worst is to come, maybe not, but a day with no direction leave all suspense possible. DRIP helping - and I forgot that I hold CM in both non-registered and TFSA portfolio - my dividend income is now at $7 016.39. Getting closer to 8k, but my main concern at this time is not to see outstanding dividend gain. Its simply to keep my head out of the water.

Its a good thing that I began to put cash away. This way, if a good opportunity present, I will have original money to buy something - other than just margin money, which I only have left available 15k+ at this time.

One of today top gainer hit me on: Atco Ltd (ACO.X). I began a new page on my blog, a Watch List were I can throw all the stocks that catch my interest, but its not showing up strangely. Technical problem. But no worries the secret page is here for your review. You'll have to put it in your bookmark and check it from time to time if you don't want to miss the best I have to offer. Because I really hope you only read me for what I am best at: finding good new investment ideas.

Tomorrow is women day, which is obscene in a way to come with a "women day" - just to distinct us a bit more. We don't need anything of that nature. Does guy have a "men day"? It make pity. I guess it would be a good thing to say that the CEO of ACO.X is a woman, Nancy Southern. Yeah. This is certainly not common but I so don't care. I know only one stock of mine that has a woman as CEO: Just Energy Group Inc. (JE), CEO being the founder of the company, the one and only Rebecca MacDonald. I adore Rebecca MacDonald, and she's a woman. Hourra.

Anyway, women still have a long battle when it come to CEOs position like that, and even in finance. I am not familiar with any female investor, if its not only Susan Brunner. But its because I am the best female investor. Its only because of that. LOL

Only time will tell if I am very good or not but so far, I will say that I made descent money, and I could live by working part-time at the minimum salary if needed so if I can do that, its mean I am a sexy star.

Happy WOMEN day.

Toromont Industries Ltd (TIH): a major turn on for investors

Following Donald Trump speech to the Congress, the TSX reaction was quite good. It didn't hit back to the old very luxurious 15 800 points, but still, a 15 608.5 points is quite nice to be on. My non-registered portfolio closed Friday session at $150 582.99 and my TFSA at $60 313.2, all quite good for me. Overall, my net worth is probably around 187-188k right now.

Its hard to believe, but I currently have $2 880.49 in cold fresh cash in my banking account. One of my secret goal for 2017 was, for once in many years, to leave some money in my banking account, and the amount set was money survival for 6 months, $1 250 (minus my dividend income), which make about $4 000. If I ever need to, I may be able to live on less than $1 250, but it will be tough rough life. 

By the end of March, I hope to have at least $4 000 in my banking account. And that will be it. It wasn't easy at first to see a few thousands being there doing nothing, but its all for a good cause - mine. Very awful to have so much put on the stock market, knowing that its the riskiest place to put any money, and have no cash hiding somewhere safe. This all come at the right time because my portfolio is "almost" a work of perfection. My latest investment, Toromont Industries Ltd (TIH) came as a revelation and its probably among the best investment moves I have ever make in the past couple years, if not so far in my life. There's really investment that change life and ever since I had been in contact with TIH, I know it was it. 

Only time will tell if I am right but I am very confident and I have good hope for this investment. Starting April of this year, I would like to invest a couple thousands more in Toromont Industries Ltd (TIH) just to satisfy my taste for self-satisfaction. And just to bring that self-satisfaction feeling to another level, I am the one that bring Toromont Industries Ltd (TIH) to life on Internet. Go on Google, search for TIH on the Web and you'll see it for yourself: no one expect me to write about TIH, no so call financial bloggers, no so call journalists, no so call fund managers. Just no one. Just the so call Dividend Girl lol. But now you know at least the existence of TIH. According to the Globe and Mail, TIH shares have outperformed the S&P TSX by 29.83% during the last year. What a spectacular stock to hold in a portfolio, isn't?

So far, 2017 is a glamorous year for my dividend income. Canadian banks announced one after the other that they were increasing their dividend. Latest one was Toronto-Dominion Bank (TD). My latest dividend increased + the new stocks collected by DRIP made it easy to reach the 7k in dividend income. My annual dividend income is now at $7 007.86. Finally popping up the 7k mark. Investing more in TIH won't bring in a lot in term of dividend, but I am in for the capital gain on the long long run.

Toromont Industries Ltd (TIH) just be ready to be on my side for years to come.