I now have a home insurance for tenants

These days, I am quite busy doing just regular ordinary things which keep me away from my laptop. My daily weekly schedule is pretty much set up straight directly in this order. I have to warn you, it's quite a boring one: I work full-time, hit the gym to sweat my life right after, go back home, take a shower, take a look at my investment portfolios (I also do that at different times during the day), and finally... watch TV until around 11 pm if not a bit later. During the evening I am usually too beat up to write anything down on my blog. And it's basically all I do.

 

This evening, I skip my gym routine. Right after work, I run to a restaurant close to my place. I was really hungry, and I wanted to enjoy a bit of freshness with air conditioning, please. I ate all of the bread and the olives that were on my table, I got a beer, a salad and... a lobster with rice. Oh wait, it's not all, I also got an expresso with a little crème brûlée that was just too good. I have no cute foodie pictures because I just happily jumped on the food when it arrived. And that is just not my type anyway. I am not a cute blogger type. I only ate breakfast today, so when I hit the restaurant earlier this evening, be assured that nothing got wasted. My lobster was a bit small for my taste, but it left room for a little dessert. You can say that I got a bit of a happy $300,000 net worth celebration going on. Tomorrow, the normal gym routine will be more than welcome. :-)

I now can say that I am pretty much at the same strength that I was pre-COVID. I like my gym routine because it kept me away from any temptations where I could spend money, while I am just trying to build up some more savings. Also, I am not getting any trouble to sleep as you can imagine since every bite of any energy concentrate in that body during the day is being pulled out quite easily in a matter of an hour and a few minutes. It all it takes. I sometimes can push it to our hour and 30 minutes if I haven't done anything the evening before. Good luck if you can do the same when you'll be 40, little, still young investors.

A few days ago, I put a 2k on my margin debt, to help pay it down. My margin debt is now at $45,334.75. With a TSX closing this past Friday at a good 20,230.26 points, my non-registered portfolio closed at $128,658.66, my TFSA portfolio at $118,282.86 and my RRSP portfolio - stocks only - at $58,825.79. My annual dividend income is now at $9,659.53. I currently a little $300 in cash inside my TFSA portfolio, and a bit over $500 in my RRSP portfolio.

It's looking like Ethereum and Bitcoins are in a recovery mode because guess what, my TFSA portfolio closed today session on a really good $119,838.96. My non-registered portfolio closed at $128,052.20 and my RRSP portfolio - stocks only - at $59,144.41.

For the first time in my life, I decided to enroll in home insurance for tenants. I had insured for the past couple of weeks. I decided to get home insurance - even if I am only a tenant, because lately in Montreal, many families had lost their homes because of a fire. It's the main reason why I got a home insurance, but also to be covered in case of fire and to be taking care of if something happens. I had been living to where I am for many many years now and I always got a good vibe from the place, but good vibes or not, it's better to prevent. Especially now that I have a net worth exceeding the $300,000, I no longer have the excuse of having to save money, or that I don't have the money to pay for insurance, etc., etc., etc. I just don't have any more excuses.

 

Currently, in Montreal, it's really difficult to find an apartment. If I get kick out of my apartment, I know it will be really hard for me to find something else in the same price range. In case of fire, I understood that my rent will be cover and I will be relocated until my apartment got back available. That represents a lot of $$$. A home insurance also covers in cases of theft, vandalism, and liability. My home insurance costs me a bit more than $330 for a year. I got my little belongings cover for something like $26,500. What I own probably worth less than that amount anyway.

The Dividend Girl advice of the day being: even if you are a renter, I strongly suggest that you enroll in a home insurance for tenants. There you go.

Among other things, I had been using Vital Proteins Bovine collagen peptides to help my hair grow for a bit more than a week now. My hair had grown, but it's too soon to say if the Vital Proteins had helped or not. I want to keep using it for the next week or two and after that get a haircut just to get a little trim because it starts looking like nothing. I must admit that with my type of hair, I prefer to have them shorter than longer but having them longer will be more cost-efficient. Soon enough, we'll see if Jennifer Aniston's fountain of youth can me of any help for myself.