My debt situation on date of June 24, 2019

Margin account: $45 759.14 @ 5.50%
Annual interest: $2,516.75
On date of June 24, 2019

*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 June 24, 2019

Cold cash: $2,190‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,183.64‬

Methanex Corporation (MX): $6,188.24
Fortis Inc. (FTS): $6,573.75
Pembina Pipeline Corporation (PPL): $30,846
Corby Distilleries Limited (CSW.A): $2,489.29‬
iShares S&P/TSX Capped REIT Index (XRE): $2,932.16‬
New Flyer Industries Inc. (NFI): $4,241.6‬0
TMX Group Inc. (X): $733,92‬
K-Bro Linen Inc. (KBL): $4,034
TransCanada Corp (TRP): $1,637
Canadian National Railway Co (CNR): $10,940.40
Enbridge Inc. (ENB): $15,275.70
Emera Inc. (EMA): $1,361.5‬0
BCE Inc. (BCE): $1,322.64
Saputo Inc. (SAP): $1,563.2‬0
Lassonde Inc. (LAS.A): $1,956.80
Loblaw Companies (L): $806.40
Savaria Corporation (SIS): $6,834.74
ATCO Ltd. (ACO.Y): $2,658
WSP Global Inc. (WSP): $3,535.5‬0
Aecon Group Inc. (ARE): $1,940
Aphria Inc. (APH): $1,870
George Weston Limited (WN): $99,20

TOTAL: $121,023.68

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,654.80
General Mills Inc. (GIS): $1,717.44
Cash: $26,66

TOTAL: $3,398.9‬0 US: $4,556.91 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $935.20
CT Real Estate Investment Trust (CRT.UN): $1,448‬
Canadian National Railway Co (CNR): $4,862.40
Exchange Income Corporation (EIF): $38.33
Brookfield Infrastructure Partners L.P. (BIP.UN): $3,741.95
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,364.40
Andrew Peller Limited (ADW.A): $2,352.8‬0
Hydro One Limited (H): $2,445.42
Toronto-Dominion Bank (TD): $1,536‬
Boyd Group Income Fund (BYD.UN): $5,000.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN):
Data Communications Mgmt (DCM): $8.40
Morneau Shepell Inc. (MSI): $2,675.70
Royal Bank of Canada (RY): $4,199.60
Park Lawn Corporation (PLC): $1,740
Toromont Industries Ltd (TIH): $2,446
BCE Inc. (BCE): $541.08‬

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,096.5‬0
Sienna Senior Living Inc. (SIA): $1,566.40
Boralex Inc. Class A Shares (BLX): $802.8‬0
Richelieu Hardware Ltd. (RCH): $1,012‬
Savaria Corporation (SIS): $925.4‬0
Northland Power Inc. (NPI): $2,550
Calian Group Ltd. (CGY): $2,516‬
BMO Bank of Montreal (BMO): $1,995.6‬0
Canadian Utilities Limited (CU): $1,568.70
WSP Global Inc. (WSP): $1,767.70
Granite Real Estate Investment Trust (GRT.UN): $620.3‬0
Cargojet Inc. (CJT): $2,437.16
Nutrien Ltd. (NTR): $3,618‬

TFI International Inc. (TFII): $3,186.4‬0
Canadian Imperial Bank Of Commerce (CM): $3,154.50

SIR Royalty Income Fund (SRV.UN): $1,279.2‬0

Cash: $642,89

TOTAL: $72,556‬

RSP investment portfolio: 
Emera Incorporated (EMA): $15,521.1‬0
EnCana Corporation (ECA): $681.48‬
Toronto-Dominion Bank (TD): $2,304‬
Telus Corp (T): $2,420
Royal Bank of Canada (RY): $2,099.80
Savaria Corporation (SIS): ‬$2,670.44
Thomson Reuters Corporation (TRI): $3,123.72
Park Lawn Corporation (PLC): $5,800
Richards Packaging Income Fund (RPI.UN): $1,445.73‬
Toromont Industries Ltd (TIH): $428.05
CAE Inc. (CAE): $2,426.2‬0
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,552.85‬
Boralex Inc. Class A Shares (BLX): $1,003.5‬0
Quebecor Inc. (QBR.B): $786
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $283.50
Brookfield Renewable Partners L.P. (BEP.UN): $864.12
Cash: $402.7‬0

Total: $45,813.19‬      

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,957.79‬

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

GIC National Bank: $1 342.86              

Manulife Fidelity NorthStar GIF CAP B: $1,670.15
Manulife Simplicity Growth Portfolio: $1,410.68
Maritime Life CI Harbour Seg Fund: $1,238.14
Maritime Life Fidelity True North Seg Fund: $1,189.52
Manulife GIF MLIA B World Invest: $1,267.35
Total: $6,775.84

Other various: $13,565.17‬

TOTAL: $71,534.6‬0

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

On date of June 24, 2019
$271,896.19‬

Check out those super great videos of the Dividend Girl on YouTube!

You are not hearging much of me for multiple reasons, and one of them being that I am taking little videos of some of the shows I recently went to on YouTube:

SANS PRESSION!!!! Crazy but respectful crowd.

I like that kind of videos where there's no editing at all, and the zooming goes in and out in the wood and the screen is shaking up and stuff. Rock on baby, rock ON. Aahah! And just to naturally add to the excitement of the past hot couple days, the TSX is getting back in track! Will we go back to the old 16 600, 16 700 points anytime soon? My answer to that is YES. Nothing is impossible, especially since the TSX closed today session at 16,503.35‬ points. In result, my non-registered portfolio closed today session at $121,112.2‬0, my TFSA portfolio at $73,050.81. I was so happy by the boom that I allow myself to buy a coffee ;-)

I had a quick look at all of my baby stocks, I didn't proceed with any sell or buy. Aecon Group Inc. (ARE) had caught me, I am getting stronger on the stock and I am almost experiencing a gain on ARE. Go go go ARE! The $250 000 net worth is just around the corner.

Have a good summer.

I am having some problems with TD Direct

The TSX closed on a positive note, but nothing really exciting. is going on. This is kind of the perfect time to go on a vacation right now. I guess you could take a whole week off, come back, and things would be exactly the same. This is what the TSX gave me as energy lately: nothing at all. While being in a state of no excitement, the TSX left me today with a non-registered portfolio at $119,476.51‬, my TFSA portfolio at $72,134.67 and my RRSP, at $45,267.67.

I don't know what's going on, but I had proceed with a transfer from my bank account to my margin account, and my Caisse called me today to say that TD had refused my payment?!!! But I proceed with this type of transfer ALL THE TIME!??? So I just hang up with TD. First, I notice that my Transfer button to transfer from my margin to my internal credit lines (I got 2) was no longer in the upper corner right in my broker account. DRAMA. But than, I discover that it's under My Account - Cash transfers and foreign exchange. I don't know why they had proceed with such change. It was a lot more user friendly to have a Transfer button right in my face. They had place to leave it where it was before, there's plenty of space in the upper corner right.

But the mystery remain regarding the payment that TD had refused. Like this is a complete mess. I am not happy TD Direct. I taught: ok this is it, after all those years of managing my margin like a pro, it's now that I am getting margin f"ck like a sucker?! But I have over 31k left of available money on my margin?? COME ON TD Direct, stop treating me like shit. I am going to proceed with the payment one more time, and if it get refused, I will simply open a new broker account someplace else, or start something like what could be a second portfolio someplace else.

Because when you think about it more seriously, I have big chuck of my little fortune with TD. If something get wrong, like that non received payment - but more dramatic problem - if anything happen, I am in a bad position. CIBC always been really great to me so I taught about opening an brokerage account with them, but what stop I think was that a minimum was required, so I don't know. I need to check it out.

Brookfield Asset Management Inc. (BAM.A): in the radar of Christine Poole

Christine Poole, CEO and managing director at GlobeInvest Capital Management was at BNN for the Market Call. Like me, Poole like BAM.A, but I doubt she actually loves it as much as I do. I do not own it yet in my portfolio, but one day it will.

Currently, the stock market is not fun or exciting, it's actually pretty boring out there right now. I am trying to concentrate on saving money. I am just at the breaking point where I would really like to get a hair cut to get exactly the same Marilyn Monroe hair cut I got right before my Easter vacation. I could afford, but that would take away $65, but I am really determined to keep that $65 in my pocket for the month of June. If I let my hair growth, the process will actually be quite easier because I will be able to attach them. My next hair cut could only be in August... I, however, doubt, because I never can stand myself really long without having my hair trim. Having curly hair is not helping my case. I have everything playing against me. I am a woman (being a woman cost more than being a man), I have curly hair, I love coffee, and I have a huge appetite.

With the nice weather, it makes it somewhat easier and not to save money. The sun brings in the idea of new clothes, like pretty summer dresses... but I made another commitment to myself: not to purchase any clothes this summer. The only thing that I may allow myself is just a pair of new sandals, but I can do without. I have an upcoming 2 weeks vacation in July. In those 2 weeks, I will probably be spending most of the saving made in June. That's why I am trying to go easy in June. If I don't buy any makeup and clothes, chances are that I will probably be able to save at least $1 500. But that's all mine to do.

When the summer finally began like it did for this past weekend, I usually get a pedicure. So far, I did my nails myself, but it's always easier and fun to have them done. But I didn't. The amount of money I saved by doing my nail myself is $40. It's actually quite some money. If you add up all of the little savings you can do in a month, you could, like me, exceed in the 1k in saving every month. But it's something that requests some sacrifices. I used to go to the movies one a week, I no longer do that anymore, I used to get my nails done from time to time, I don't anymore... Stuff like that. Those type of savings help a lot because I do spend some money on coffees and eating out. I, however, try to control the expenses made in those areas. Clothes shopping is another area that can eat up your bucks, as well as makeup and beauty products.   

It's not easy to save money in Montreal, there are too many spending temptations in this damn city. While trying to save some bucks, you need to have that precious idea in your head on a daily basis. And be strong, while fighting your demons.

My precious baby Richards Packaging Income Fund (RPI.UN) is doing kind of fine

I hope you had enjoyed my last three posts with my unknown Mr. Handsome lol. I had some other stuff to post. I also went to Little Italy with the past weekend and Old Montreal. We have really awesome weather so I went a bit everywhere it was free for Formula 1. So more pictures to come! I was finally able to complete my monthly expense post for the month of May. I was able to save $1,175.59 without much deprivation. I hope to save again big bucks in June. That way, I should be able to cover my vacation expenses. This month so far, I had sold for $84 worth of stuff on Kijiji. Basically second-hand items that I no longer use. I wish to sell a bit more, but it's not exactly an easy task to sell stuff on Kijiji. I won't expose my trick here because it's already hard enough to sell anything at all there, and you already gifted by knowing my best stocks.

In term of budget, I had received bad news, my monthly rent had increased by $10. Starting on July 1st, my rent will be $690, instead of $680 per month. Currently, in Montreal, there's a lack of available apartment. I had tried before to find another apartment, but it's terribly difficult to find a clean well-maintained apartment block where rent is under $700. I had visited many dirty places. Montreal is getting more and more expensive, as well as dirtier. I don't expect to stay forever here. Montreal is a debt hole track. There's a lot of things to do here, but Montreal is not a functional city. Nothing work well, there's construction a bit everywhere, public transportation is jam pack. During the summer, it can get extremely hot in the summer. I am just happy that I don't have to use public transportation everyday. All quality services are hard to receive. Montreal is not the perfect spot where to grow as an individual and to have a nice career. People are just distusting here. I find Quebeckers to have poor intelect. I try to minimize my interactions with them to the strict minimum while having to be here. but just give me a few more years, and I will be out of this hell zone.

This being said, today wasn't exactly a good day for the TSX and my portfolios are doing ok. My non-registered portfolio closed today session at $119,458.32, my TFSA portfolio at $71,896.22, and my RRSP portfolio at $45,107.9‬0. My really fabulous Richards Packaging Income Fund (RPI.UN) gains 6.75% today. RPI.UN had been in my portfolio since July... 2016! I also remembered that UFO song. It's been 3 years ago. I guess I didn't take time to read myself because a sentence is kind of sounding strange in there lol. But it always make me laugh to read old posts for all kind of reasons. I am just really greateful to be an anonymous blogger. In your face.

Ritz Carlton Grand Prix Party in Montreal 2019 - Part 3

 Swinging those hair!

Thanks honey for the nice smile!

 Annie Villeneuve arriving at the Ritz.

 This is fun!

Ferarri in the background!

The Dividend Girl is hot and she's right there!

Mr. Handsome.