Merry Christmas investors!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Looking forward to what will happen to my Kinder Morgan Canada Limited restricted voting shares (KML) shares

Today I worked from home and I went to bed straight after for a little nap. The worst thing being is that is I am still feeling tired so I probably going to sleep like a baby after this post is done and gone.

Yes, it's another super great day for the TSX. From now on, whenever we are closing over the 17,000 points, we are in business. And that means that it's been a good day for the TSX. And today had been one of those good days. My non-registered portfolio closed today session at $118,913.08, my TFSA portfolio at $84,183.33, and my RRSP stocks only portfolio at $48,173.82. Only my non-registered portfolio is on a down spirit.

It seems like the CN employees are no longer on strike, so that release a bit of stress on my indelicate shoulders. I am still checking over Savaria Corporation (SIS) - it's looking like SIS is just doing fine for now. Kinder Morgan Canada Limited restricted voting shares (KML) is under progress to be integrated with PPL, but I just don't get what will happens to KML shares. I guess they will simply get on a roller and integrate PPL regular shares.

You might not believe, but since I am now exceeding 3k in my savings account, I am currently shopping on TD for a GIC, but they kind of all suck. And here am I, at the point where I am always: why should I leave money in the bank while the TSX had been my best buddy lately? Love is definitively in the air between me and the TSX. And the best thing is that 2020 could just continue on those same good vibes. I am probably going to hit the 250k net worth in no time, and it's about time.

Knowing that the TSX is the place to be, why should I leave precious money at the bank? That's my dilemma. TD with is bad selection of GIC is not helping me getting away from my old habits.

Trouble ahead for Nutrien Ltd. (NTR)?

The TSX is quite interesting and full of surprises. The TSX closed today's session on a fantastic 17,032.86 points. So far, my prediction seems to be right: the 17 000 points could really be the new natural for the TSX. Like announced yesterday, I checked on Savaria Corporation (SIS), but everything seems to be under control. Savaria Corporation (SIS) is trading in the $14 per share, which is super great. Right now, I am not worrying about SIS, but more about Nutrien Ltd. (NTR).

The CN strike is having major negatives effects on our economy. The TSX may be in the magic 17,000 points for now, but that could be somewhat of only an illusion. I don't know if, currently, our economical state really reflect something as powerful and alienating as 17,000 points. Because those 17,000 points are my newest source of obsession. And the obsession is of the following: day after day, will the TSX closed on 17,000 points or higher? Because if it goes lower or when it does, it can be quite disappointing. 17,000 points mean a lot to me. And especially means a girl on top of her game. After experiencing a $237 000 net worth, I can say that the hunger to experiencing even more gains has never been so strong.

I don't know It's not something I ever taught about, but currently, the CN strike is causing severe damaging to our economy. It wasn't long ago that Derek Foster announced that he was investing in Nutrien Ltd. (NTR). Since I like to take it easy, I decided that since THE Derek Foster was investing in NTR, I was going to follow him like a little muppet and invest, again, in NTR. Back in the days, I had been a really proud holder of some Agrium stocks. With Agrium, I was on top of the world, I was on wealthy profit, registering several thousands of healthy cash with Agrium. Unfortunately, the party is now long gone and over. Ever since Agrium transforms itself and became Nutrien Ltd. (NTR), things haven't been easy. Nutrien Ltd. (NTR) is not able to reach half of the good profit that I had with Agrium. And because of this, I had sold out half of the stocks that I was holding of NTR. Currently, the situation is getting any better and could go even worst, thanks to the CN strike. 

I have never been really satisfied with Nutrien Ltd. (NTR). I know I wrote a little way back that I was going to invest again in NTR, but now, I am doubting. I am not feeling like adding more stocks of my NTR in my portfolio is the right thing to do. I prefer to add something new - or something else.

Kinder Morgan Canada Limited (KML) is hitting on the right direction with PPL

Currently, my net worth is probably not exactly on the 237k like last time, but I am certainly not that far away from that magic number. The reason why is quite simple, the TSX closed this past session on a lower note. However, at 16,954.84 points, the TSX is quite in good shape these days. My non-registered portfolio closed at $119,389.78, my TFSA portfolio at $83,542.01, and my RRSP portfolio at $48,306.88. With a non-registered portfolio at almost 120k, a TFSA portfolio at almost 85k, and an RRSP portfolio at almost 50k, I couldn't sincerely hope for better results. 2019 - so far - had been a crazy roller coaster ride for the TSX. The stock market is everything, but not certainly not a relaxing place to be. You have to think that I started the year on a tiny little $191 000 net worth, and now, 11 months later, I am almost sitting down on a really gorgeous $240 000, so yeah, it's been the hell of a tough ride, but at the end, it all plays to my entire benefit. And this confirms all that I believe in. 

I read some articles regarding stocks and finance here and there. I noticed recently an article - but I don't remember where - in which the so-called specialist said that it was time to cash in some profit, that the stock market could drop, etc. etc. etc. Well, nothing is new when it comes to the stock market. The same old song remains. Everything is to be expected, don't ever be sure of anything, even of your opinion, don't trust no one. The stock market is dictated by invisible forces, invisible financial circles that can play in your favor, just like it can lavish you right down next to the ground. When it comes to investing in stock, time is your best friend, and impatience is your worst enemy. It all has to do about your age and what you can handle as risks. If you have time in your hand and if you can handle risks, I believe that the stock market is the place to be.  

This evening in La Presse, I noticed that Richard Dufour wrote about Savaria Corporation (SIS). for the past 10 days, a member of the Bourassa family who owns Savaria, the CEO's brother, unfortunately, decided to sell thousands and thousands of stocks that he owned of SIS. That's no good news for investors of Savaria Corporation (SIS). Back in the days, I had invested in Savaria Corporation (SIS) following my reading of an article by Richard Dufour of La Presse. And now today, I am leaving, from the same voice, bad news that could lead to a little disaster. Personally, I am mostly a buy-and-hold investor. But when I learned a news like this one, it makes me think again. I am now in a panic mode about this - the news that Richard Dufour is reporting had been going on for the past 10 days. This means that the infamous Bourassa brother had been massively selling Savaria Corporation (SIS) for the past 10 days. However, for the past 10 days, Savaria Corporation (SIS) had registered great results on the TSX. Nothing to worry about, but I will be checking closely at SIS tomorrow at the opening. Thanks to Richard Dufour, I made several thousand in profit on the back of SIS and I hope that things will remain that way. Forever love between me and SIS. If I sell, trust me, it will be to cash in some fresh money.

Today, I was visiting the Salon du livre de Montréal, and saw Pierre Karl Péladeau, CEO of a company that I hold inside my RRSP portfolio because I am a really smart girl: Quebecor Inc. (QBR.B). I am invested in Quebecor Inc. (QBR.B), but I don't share the political views of Péladeau. I am a pure federalist, nothing else.

 In the second picture, Péladeau is the second to the right.

On another note, our wonderful federal government agreed with the merger of Kinder Morgan Canada Limited (KML) with Pembina Pipeline Corporation (PPL). It took forever to be announced. I had been holding on to KML for quite some time, without being sure if the deal was going to happen or now... This actually makes me remembered of my investment in Aecon Group Inc. (ARE), when I invested in ARE, hoping that the deal with China was going to happen, and just waiting for ARE to EXPLODED in $$$... History didn't happen, unfortunately. But I really like ARE, it's a strong company and I really proud to own some shares in my TFSA portfolio.

To complete this post, I will finish on a good note. I had received a little payment for my online activities, as well as my regular paycheque. I had transferred some money in my savings account. The good news is that I now have $3 033 in savings! Isn't great coming from a girl poor on cash, but rich in stocks?!

I am now at my highest value EVER: celebrating a $237,207.74 net worth!

This past Friday, I had updated my investment portfolio. I just had no choice since the TSX decided to pop up the 17 000 points. As a result, I closed this past Friday session at my highest net worth value EVER: $237,207.74. I am getting closer to the 240k net worth, and the 250k doesn't appear to be too far away. And now, it seems like 17 000 points had become a new natural for the TSX. We closed today session on a really nice 17,025.11 points. My non-registered portfolio closed today at $120,782.91, my TFSA portfolio at $83,693.25 and my RRSP portfolio at $47,811.39. My numbers are quite strong, at this beginning of winter who started in the flesh of cold.

It's quite hard to believe that we are on a 17 000 points, especially now, while Donald Trump is facing impeachment. But no matter what, these days, both Canada and the US had registered really strong gains for their respective stock markets. I was quite shocked to see that 17 000 points coming my way. This game was going to be easy after all. I started the year 2019 with a $191,009.83 net worth, and now, I am getting ready to close the same year with a $240,000, let say $245,000 net worth, which represents a possible gain for 2019 exceeding 50k. This illustrates a direct positive effect related to my own personal financial situation. I don't suggest this to anyone. I often said that I wanted to increase the savings that I have in my bank account. I now have almost $3,000 in cash saving, but it's been easy: I am not tempted to buy anything on the stock market right now. Also, the fact that I am almost 100% invested in stocks had helped me to jump in profit.

It's been quite busy at work for the past couple weeks and while facing busy hours, I stopped drinking water, I had been eating out a lot more outside, I stopped working out (because I was too tired), and in result, I gained a couple pounds... During those hard days, my investment portfolio took care of business by itself and while this poor honey girl was working super hard, my investment portfolio was working super hard too. Now, let say that I am working at fixing my problems. I can gain weight super quickly, but to lose it, it takes more time, discipline. I need to drink water, I need to eat super healthy, eat vegetables, and bring my lunch to work. I had been back on my old ways now for a little while, so my little problem should get fixed soon. I already began to lose a few pounds. So that's good news, isn't it? I need to do this now before it gets out of control.

The only problem that I have right now is that I wonder if recession signs are still on. Nothing is easy on the stock market. It's nice to be on a 17 000 points, feel like heaven, I am the Queen of the TSX and I never ever had a  $237,207.74 of my own before, but I wonder if it will last and if the true natural state of our belove TSX is at where it should be right now. Currently, it's looking like Alberta province is facing a downturn, something is currently going on with Canadian National Railway Co (CNR), which is a stock that I massively hold in my portfolio. I mean, nothing is safe, nothing is secure, so you got to do what you need to do: enjoy the moment when it passes and me at the top of things because I am.

My investment portfolio on date of November 15, 2019

Cold cash: $2,728.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $12,009.58

Methanex Corporation (MX): $5,596.24

Fortis Inc. (FTS): $6,768.72

Pembina Pipeline Corporation (PPL): $31,073

Corby Distilleries Limited (CSW.A): $2,208

iShares S&P/TSX Capped REIT Index (XRE): $3,090.78

New Flyer Industries Inc. (NFI): $3,118.08

TMX Group Inc. (X): $886.40

K-Bro Linen Inc. (KBL): $4,045

TransCanada Corp (TRP): $1,700.25

Canadian National Railway Co (CNR): $11,154.60

Enbridge Inc. (ENB): $16,920.85

Emera Inc. (EMA): $1,343.50

BCE Inc. (BCE): $1,410.86

Saputo Inc. (SAP): $1,606.80

Loblaw Companies (L): $836.16

Savaria Corporation (SIS): $7,527.24

WSP Global Inc. (WSP): $4,306

Aphria Inc. (APH): $1,130

George Weston Limited (WN): $104.50

Kinder Morgan Canada Limited restricted voting shares (KML): $4,410

TOTAL: $121,246.56

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,757.92

General Mills Inc. (GIS): $1,681.92

Cash: $13.33

TOTAL: $3,453.17 USD: $4,566.13 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,526

Canadian National Railway Co (CNR): $4,957.60

Exchange Income Corporation (EIF): $43.49

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,588.83

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,779.60

Andrew Peller Limited (ADW.A): $2,106.30

Toronto-Dominion Bank (TD): $1,534.40

Boyd Group Income Fund (BYD.UN): $5,833.20

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,833.20

Data Communications Mgmt (DCM): $2.25

Morneau Shepell Inc. (MSI): $2,852.10

Royal Bank of Canada (RY): $4,352.40

Park Lawn Corporation (PLC): $1,741.80

Toromont Industries Ltd (TIH): $2 800

BCE Inc. (BCE): $577.17

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,497

Sienna Senior Living Inc. (SIA): $1,464

Boralex Inc. Class A Shares (BLX): $943.60

Richelieu Hardware Ltd. (RCH): $1,250.74

Savaria Corporation (SIS): $1,009.40

Northland Power Inc. (NPI): $2,711‬

Calian Group Ltd. (CGY): $2,597.40

BMO Bank of Montreal (BMO): $2,026.80

Canadian Utilities Limited (CU): $1,661.94

WSP Global Inc. (WSP): $2,153

Granite Real Estate Investment Trust (GRT.UN): $679.20

Cargojet Inc. (CJT): $2,857.08

Nutrien Ltd. (NTR): $3,266.50

TFI International Inc. (TFII): $3,434.40

Canadian Imperial Bank Of Commerce (CM): $3,459.90

SIR Royalty Income Fund (SRV.UN): $740

ATCO Ltd. (ACO.Y): $2,994

Aecon Group Inc. (ARE): $1,880

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,884.96

Metro Inc. (MRU): $2,124.20

Cash: $439.36

TOTAL: $83,615.74

RSP investment portfolio: 

Emera Incorporated (EMA): $15,477.12

EnCana Corporation (ECA): $622.08

Toronto-Dominion Bank (TD): $2,301.60

Telus Corp (T): $2,524

Royal Bank of Canada (RY): $2,176.20

Savaria Corporation (SIS): $2,912.84

Thomson Reuters Corporation (TRI): $3,354.48

Park Lawn Corporation (PLC): $5,806

Richards Packaging Income Fund (RPI.UN): $1,479.89

Toromont Industries Ltd (TIH): $490

CAE Inc. (CAE): $2,484.30

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,780

Boralex Inc. Class A Shares (BLX): $1,179.50

Quebecor Inc. (QBR.B): $838.25

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $302.40

Brookfield Renewable Partners L.P. (BEP.UN): $1,127.08

Leon's Furniture Limited (LNF): $518.50

Cash: $161.02

Total: $47,535.26      

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: 3,024.22

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: $1,727.55

Manulife Simplicity Growth Portfolio: $1,436.06

Maritime Life CI Harbour Seg Fund: $1,333.87

Maritime Life Fidelity True North Seg Fund: $1,214.11

Manulife GIF MLIA B World Invest: $1,264.79

Total: $6,976.39‬

Other various: $15,129.82‬

TOTAL: $75,088.3‬0

Social Capital at Desjardins Membership share: $35

Online money: $111.85

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

$287,391.62

On the date of November 15, 2019

My debt situation on date of November 15, 2019

Margin account: $50,183.88‬ @ 5.50%
Annual interest: $2,760.12
On the date of November 15, 2019

I had reached my highest net worth value EVER!

With a TSX that closed in the 16,877‬ points, I couldn't have done any better. Yesterday, when I update my portfolio value, I wasn't expecting a high 235k net worth, more exactly $235,168.39. It took me 12 years to get there (I had been building up my investment since 2007, the year that I started this blog). It could seem like a really long road, but when I started, I only wanted a $50 000 of my own and back then, I taught that it would take me forever. I never taught that one day I would have a $235 000 of my own. It's only a number. Fact that I own $235 000 doesn't change anything in my life, but let say that I am more secure financially. And I have mix feelings on how much it represents a huge and small amount at the same time. Since everything is back in stocks and that my stocks are my babies, which I won't sell, I can only benefit from the dividend distribution that those stocks provide. Luckily, so far in my life, I never had to sell any of my stocks because I had needed money. I do sometimes sell stocks, but it's never a matter of necessity.

Yesterday when I updated my portfolio, in my mind, I was set for a 232k net worth, so that 235k net worth was quite a nice surprise. I am enjoying the moment. It's precisely the reason why I had posted an updated of my investment portfolio because I know too well how much the stock market can be volatile. Don't forget that I started the year 2019 with a net worth that was below the 200k net worth: $191,009.83. Between January and November 8, 2019, by net worth gains $44,158.56, which is quite enormous. I have to say that I still remember the feeling of having to deal with a net worth below the 200k mark. It wasn't fun, I was quite upset. No one ever truly explains how hard it is to be an investor. But no matter how hard it can get, rewards come, sooner or later. The stock market can only naturally go up over time, especially since the governments are closely involved, with the help of all central banks worldwide. Nothing bad can last too long, but that doesn't preserve us from the volatility.

For the past couple of weeks, I had been sticking to my savings plan, which was to put away $200 per paycheque in my savings account. I now almost have 3k in my savings account, this plan is working well for me. 2020 is not that far away and once January 2020 finally arrived, I would like to take my investment in Kinder Morgan Canada Limited restricted voting shares (KML) for a TFSA contribution in kind.

My investment portfolio on date of November 8, 2019

Cold cash: $2,728.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $12,087

Methanex Corporation (MX): $5,639.92
Fortis Inc. (FTS): $6,642.72

Pembina Pipeline Corporation (PPL): $30,274.44

Corby Distilleries Limited (CSW.A): $2,173.50

iShares S&P/TSX Capped REIT Index (XRE): $3,038.42

New Flyer Industries Inc. (NFI): $3,315.20

TMX Group Inc. (X): $880

K-Bro Linen Inc. (KBL): $3,934

TransCanada Corp (TRP): $1,662.25

Canadian National Railway Co (CNR): $11,259

Enbridge Inc. (ENB): $16,599.25

Emera Inc. (EMA): $1,315.50

BCE Inc. (BCE): $1,390.62

Saputo Inc. (SAP): $1,615.60

Loblaw Companies (L): $847.20

Savaria Corporation (SIS): $7,252.32

WSP Global Inc. (WSP): $4,307

Aphria Inc. (APH): $1,348

George Weston Limited (WN): $103.90

Kinder Morgan Canada Limited restricted voting shares (KML): $4,275

TOTAL: $119,960.84

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,770.48

General Mills Inc. (GIS): $1,680

Cash: $13.33

TOTAL: $3,463.81   USD: $4,557.33 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,504

Canadian National Railway Co (CNR): $5,004

Exchange Income Corporation (EIF): $42.10

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,532.55

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,693.20

Andrew Peller Limited (ADW.A): $2,099.50

Toronto-Dominion Bank (TD): $1,531

Boyd Group Income Fund (BYD.UN): $5,817.30

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,791.20

Data Communications Mgmt (DCM): $3.66

Morneau Shepell Inc. (MSI): $2,827.80

Royal Bank of Canada (RY): $4,337.60

Park Lawn Corporation (PLC): $1,758.60

Toromont Industries Ltd (TIH): $2,832

BCE Inc. (BCE): $568.89

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,336.50

Sienna Senior Living Inc. (SIA): $1,500.80

Boralex Inc. Class A Shares (BLX): $895.20

Richelieu Hardware Ltd. (RCH): $1,253.96

Savaria Corporation (SIS): $974.40

Northland Power Inc. (NPI): $2,649

Calian Group Ltd. (CGY): $2,794.98

BMO Bank of Montreal (BMO): $2,013.60

Canadian Utilities Limited (CU): $1,623.72

WSP Global Inc. (WSP): $2,153.50

Granite Real Estate Investment Trust (GRT.UN): $659.10

Cargojet Inc. (CJT): $2,941.76

Nutrien Ltd. (NTR): $3,245

TFI International Inc. (TFII): $3,468

Canadian Imperial Bank Of Commerce (CM): $3,449.40

SIR Royalty Income Fund (SRV.UN): $821.60

ATCO Ltd. (ACO.Y): $3,018.60

Aecon Group Inc. (ARE): $1,878

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,834.42

Metro Inc. (MRU): $2,124.58

Cash: $420.90

TOTAL: $83,413.34

RSP investment portfolio: 

Emera Incorporated (EMA): $15,154.56

EnCana Corporation (ECA): $691.20

Toronto-Dominion Bank (TD): $2,296.50

Telus Corp (T): $2,493.50

Royal Bank of Canada (RY): $2,168.80

Savaria Corporation (SIS): $2,811.84

Thomson Reuters Corporation (TRI): $3,204.36

Park Lawn Corporation (PLC): $5,862

Richards Packaging Income Fund (RPI.UN): $1,468.83

Toromont Industries Ltd (TIH): $495.60

CAE Inc. (CAE): $2,402.40

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,715.60

Boralex Inc. Class A Shares (BLX): $1,119

Quebecor Inc. (QBR.B): $793.50

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $266

Brookfield Renewable Partners L.P. (BEP.UN): $1,072.36

Leon's Furniture Limited (LNF): $501.84

Cash: $149.65

Total: $46,667.54     

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,019.99

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: $1,709.24

Manulife Simplicity Growth Portfolio: $1,434.52

Maritime Life CI Harbour Seg Fund: $1,320.97

Maritime Life Fidelity True North Seg Fund: $1,209.91

Manulife GIF MLIA B World Invest: $1,266.54

Total: $6,941.18

Other various: $14,951.27

TOTAL: $74,002.59

Social Capital at Desjardins Membership share: $35

Online money: $105

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

$284,802.14

On the date of November 8, 2019

My debt situation on date of November 8, 2019

Margin account: $49,633.75‬ @ 5.50%
Annual interest: $2,729.85
On the date of November 3, 2019

Surprise: Derek Foster is now investing in Nutrien Ltd. (NTR)!

So far, it's been a good week for the TSX. The pretty almost kick in the 16 700 points, which is absolutely AMAZING. It's quite an exciting time because I am secretly hoping for the TSX to hit on the 17 000 points. In result of those super hot numbers, my non-registered portfolio closed today session at very good $118,543.87, my TFSA portfolio at $82,650.57‬ and my RRSP portfolio at $46,056.85‬. I now have 420.90$ in cash inside my TFSA portfolio, which means that soon enough I will have enough to place a new investment.

In his latest newsletter, Derek Foster informs his readers that stocks are expensive right now, so he's pretty much in the same mood as I am right now, not really investing, but he had been investing in Nutrien Ltd. (NTR). And of course, pretty already own that one inside her portfolio. What can I say? I already hold on to the best of what the TSX has to offer. That's the reason why I keep saying over and over again that my investment portfolio has everything it needs to be in the $300 000 net worth. I know I do. I am absolutely, absolutely sure. With age, I am getting better and better at cashing in profit while doing at all, or almost. 

The year 2020 is just around the corner. And who says new year say new money to be invested in the TFSA portfolio! I don't know if you have noticed this, but the list of stock that I hold inside my non-registered portfolio is going shorter. That because I do contribution in kind for my TFSA, since I am so short in cash, I prefer to take stocks that I hold inside my non-registered portfolio and have them shipped to my TFSA portfolio just like magic by Santa TD Waterhouse hot brokers.

For a while, it looks like Savaria Corporation (SIS) was just going nowhere, but now, I am reassured now because I am under the impression that SIS will be in the $14 per stock and that's cool because SIS is a bit everywhere in my portfolio: in my non-registered portfolio, TFSA portfolio AND my RRSP portfolio. Got to love that stuff for sure!

Check it out, Susan Brunner had posted a review about a stock that I hold inside my TFSA portfolio: Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A).

And just one last thing, I had been noticing that my investment in SIR Royalty Income Fund (SRV.UN) had been losing in value. This is quite annoying. 

I think I will just follow Derek Foster and pick Nutrien Ltd. (NTR) as my next investment, even if I already have this one in my TFSA portfolio. At a point, too much candy is too much candy, I don't know which one to pick no one. Why should I literally tortured myself, trying so desperately to find THE stock that will push me forward to the $300 000 net worth, while Derek Foster is just there and happily throwing away some nice investment ideas. Thank you Derek Foster :0)

 

More cold cash please

I really like this time of year, the winter hour time change. It gives an extra hour to do everything needed on a Sunday before starting another week at work. And soon enough we'll be in the year 2020.

I was quite happy this past Friday to see the TSX getting closer to the 16 600 points. In my opinion, my net worth was going to be in the $232 000, but after updating my investment portfolio and debt pages earlier today, I found out that it wasn't the case. Compare to September of this year, my net worth only grow of $95.97. However, I am happy that my value actually didn't increase. I prefer a really small gain rather than a rough decline. One thing that I am happy about is that my savings account is slowly building up. It's something I wanted to work on for quite some time, but now that I am getting a bit older, I find that it doesn't make sense to have so little in savings and have everything pack in stocks only or almost... This is something that had been in my mind also for quite some time. I can be quite lazy, but when I get my mindset on something, I became a fast runner.

It doesn't look at it at first, but if I continue putting away only $200 per paycheque for the 12 months, it's $7,712.91 I will have in savings, instead of the tiny little $2,512.91 that I currently have. Eventually, I would like to have at least $20,000 in cash reserved. More is only better. It could happen in less than 4 years if I stick to this easy plan, so why not.

I feel like I am not that far away from a $300,000 net worth. It's just really hard these days to get where I want to be. The stock market being super volatile, it can actually be a good idea to just focus on putting money aside for savings rather than thinking about my next investment... I unfortunately don't have anything in mind as a new investment ideas. I feel like I have everything I need in my portfolio to hit on that magic number. Right now, the only thing I am missing in order to be a perfect investor is more savings, or what I like to introduce as cold cash in the beginning of each of my investment portfolio updates.

My investment portfolio on date of November 1, 2019

Cold cash: $2,512.91‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,897.46‬

Methanex Corporation (MX): $5,174‬
Fortis Inc. (FTS): $6,830.46‬
Pembina Pipeline Corporation (PPL): $29,772.12
Corby Distilleries Limited (CSW.A): $2,216.28
iShares S&P/TSX Capped REIT Index (XRE): $3,080
New Flyer Industries Inc. (NFI): $3,298.40
TMX Group Inc. (X): ‬$917.36‬
K-Bro Linen Inc. (KBL): $3,647
TransCanada Corp (TRP): $1,677.25
Canadian National Railway Co (CNR): $10,778.40
Enbridge Inc. (ENB): $16,224.05‬
Emera Inc. (EMA): $1,358.50
BCE Inc. (BCE): $1,369.94
Saputo Inc. (SAP): $1,527.20
Loblaw Companies (L): $838.20
Savaria Corporation (SIS): $7,137.70
WSP Global Inc. (WSP): $4,112
Aphria Inc. (APH): $1,360‬
George Weston Limited (WN): $104.71

Kinder Morgan Canada Limited restricted voting shares (KML): $4,200

TOTAL: $117,521.03‬

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,727.52
General Mills Inc. (GIS): $1,638.08‬
Cash: $13.33

TOTAL: $3,378.93‬ ‬ USD: $4,411.53 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $14.35
RioCan Real Estate Investment Trust (REI.UN): 
CT Real Estate Investment Trust (CRT.UN): $1,478
Canadian National Railway Co (CNR): $4,790.40‬
Exchange Income Corporation (EIF): $39.32
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,425.35‬
Brookfield Renewable Energy Partners L.P. (BEP.UN):‬ $1,677.90‬
Andrew Peller Limited (ADW.A): $2,210
Toronto-Dominion Bank (TD): $1,506
Boyd Group Income Fund (BYD.UN): $5,548.8
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,871.70‬
Data Communications Mgmt (DCM): $3.48
Morneau Shepell Inc. (MSI): $2,861.10
Royal Bank of Canada (RY): 
Park Lawn Corporation (PLC): $1,749.60
Toromont Industries Ltd (TIH): $2,725.20‬
BCE Inc. (BCE): $560.43

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,345.50‬
Sienna Senior Living Inc. (SIA): $1,528.8‬0
Boralex Inc. Class A Shares (BLX): $872.40‬
Richelieu Hardware Ltd. (RCH): 
Savaria Corporation (SIS): $959
Northland Power Inc. (NPI): $2,614
Calian Group Ltd. (CGY): $2,609.24
BMO Bank of Montreal (BMO): $1,957.40
Canadian Utilities Limited (CU): $1,622.46
WSP Global Inc. (WSP): $2,056
Granite Real Estate Investment Trust (GRT.UN): $655.90‬
Cargojet Inc. (CJT): $2,840.55
Nutrien Ltd. (NTR): $3,171.50

TFI International Inc. (TFII): $3,351.20‬
Canadian Imperial Bank Of Commerce (CM): $3,381

SIR Royalty Income Fund (SRV.UN): $848.80

ATCO Ltd. (ACO.Y): $2,838‬

Aecon Group Inc. (ARE): $1,885

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,789.58‬
Metro Inc. (MRU): $2,101.78‬

Cash: $377.70

TOTAL: $81,782‬

RSP investment portfolio: 
Emera Incorporated (EMA): $15,649.92
EnCana Corporation (ECA): $583.20‬
Toronto-Dominion Bank (TD): ‬$2,259.00‬
Telus Corp (T): $2,328.50‬
Royal Bank of Canada (RY): $2,132.60
Savaria Corporation (SIS): ‬‬$2,767.40
Thomson Reuters Corporation (TRI): $3,187.80‬
Park Lawn Corporation (PLC): $5,832‬
Richards Packaging Income Fund (RPI.UN): ‬‬$1,361.58
Toromont Industries Ltd (TIH): $476.91‬
CAE Inc. (CAE): $2,346.40
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,594.15
Boralex Inc. Class A Shares (BLX): $1,090.50‬
Quebecor Inc. (QBR.B): $769.75‬
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $262.85
Brookfield Renewable Partners L.P. (BEP.UN): $1,062.67‬

Leon's Furniture Limited (LNF): $532.10
Cash: $149.65

Total: $46,386.98    

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,989.29

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: ‬$1,693.70
Manulife Simplicity Growth Portfolio: $1,424.92‬
Maritime Life CI Harbour Seg Fund: $1,308.43
Maritime Life Fidelity True North Seg Fund: $1,196.57‬
Manulife GIF MLIA B World Invest: $1,258.34
Total: $6,881.96‬

Other various: $14,840.23

TOTAL: $72,178.21

Social Capital at Desjardins Membership share: $35
Online money: $105
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$279,888.54‬

On the date of November 1, 2019