The Dividend Girl: February 2022

Monday, February 28, 2022

An option to be handle with care to - MAYBE - have exposure to the potash industry: Verde Agritech Plc Ordinary Shares (NPK)

With a TSX closing today session at a good 21,126.36 points, my non-registered portfolio closed the session at $139,597.22, my US portfolio at $4,845.01 US, my RRSP portfolio - stocks only - at $66.082,93, and my TFSA portfolio at $129,008,82. My margin debt is now at $45,490. I estimate my net worth to be somewhere in the $337,000, which is not bad knowing the circumstances. Just in case you don't remember, my highest net had been reached a few days ago, on February 9, 2022, with a fabulous $345,622.80 net worth. It's strange but it feels like it's been a long time ago.

Nutrien Ltd. (NTR) value just keeps rising and rising. For today only, NTR registered a +5.661%. A stock that had activities in the same sector, Verde Agritech Plc Ordinary Shares (NPK), also made some great gains today, +2.151%. Since Nutrien Ltd. (NTR) is super expensive and trading over $100 per share, it could be a good idea to invest a little bit in Verde Agritech Plc Ordinary Shares (NPK), if you are looking to have exposure in the potash industry. Personally, I like to have a bit of exposure in bit everything. My favorite sector to invest in is Industrial and the sector I dislike the most is the Technologies, on which I have a very low exposure and I am totally fine with that.

Verde Agritech Plc Ordinary Shares (NPK) is an option, but I don't own any Verde Agritech Plc Ordinary Shares (NPK) stocks. I am not closing the door, but I have a few problems with NPK. I just don't understand why NPK is trading over the TSX since they don't seem to have any activities in Canada. On top of that, NPK doesn't pay any dividends. Verde Agritech Plc Ordinary Shares (NPK) is basically a stock that I discovered over Stockopedia by reading this article and that I had been following ever since. I am just intrigued by that stock, that's all.

I don't like to invest in stocks that are super expensive like Nutrien Ltd. (NTR). I am happy that NTR is in my portfolio.

Sunday, February 27, 2022

Canadian Imperial Bank Of Commerce (CM) announced an upcoming beautiful stock split

Along with the good results of this past Friday for the TSX, the Canadian Imperial Bank Of Commerce (CM) announced a great event that will take place later on, a stock split. Personally, I adore stock splits. Usually, following a stock split, the value of the stock inside my investment portfolio gains in value, which is always fun to watch. I am looking forward to the Canadian Imperial Bank Of Commerce (CM) proceeding with its split.

At $163.61 per share, CM stock is super expensive. Once CM split, I may invest again in a few shares. Currently, CM had an attractive dividend yield of 3.936%. Its dividend may increase once it's under the split - or not - but that's all depends on how much the Canadian Imperial Bank Of Commerce (CM) is looking to create and affect and drive the attention of investors straight into its shares.

CM is not the only bank to be in the inner circle world of stock splits. Back in 2014, Toronto-Dominion Bank (TD) proceed with a two-for-one stock split. Other stocks of mine went under a stock split operation. Back in 2011, it was Enbridge Inc. (ENB). The year 2013 had been quite a busy financial year for stock splits. Back in 2013, we had Canadian Utilities Ltd. (CU) that went under the knife for a 2-for-1 split. Always in 2013, Telus Corp (T), Canadian National Railway Co (CNR), and Andrew Peller Limited (ADW.A) all experimented with a beautiful split. And not to forget Stella Jones (SJ) - which I no longer hold. Open Text Corporation (OTEX) also went under a stock split back in 2017, under the ticket OTC.

While waiting for the Canadian Imperial Bank Of Commerce (CM) stock split to actually happen, I had been taking a look into my stuff. It seems to me that these days, LifeWorks Inc. (LWRK) is not really performing well. It started annoying me. I am tempted to sell, but I was looking for other stocks in the same sector, and I didn't find anything great enough to replace it. LifeWorks Inc. (LWRK) is not exactly a bad investment. I am never afraid to look into my portfolio and check out what can be improved.

With my annual dividend that is now exceeding the $10,900 mark, I only want to push up a bit of thing around and reach the annual $12,000. One stock that is going well for sure in both my RRSP and TFSA portfolio is Nutrien Ltd. (NTR). Inside my RRSP portfolio, NTR gained +18.75%. Inside my TFSA portfolio, NTR is on a solid gain of +64.24%.

During this past Friday session, Verde Agritech Plc Ordinary Shares (NPK) had gained +18.283%, and Nutrien Ltd. (NTR) +4%. Unfortunately, the war between Ukraine and Russia had positive effects on the Canadian potash stocks I read somewhere that Ukraine is an important producer of potash. NPK could be worth our attention.

Saturday, February 26, 2022

My newest investment in Labrador Iron Ore Royalty Corporation (LIF) is bringing on some valuable $$$

On the second day of the conflict Russia-Ukraine, it's almost a return to normal for the TSX. We are back in the precious 21,000 points. The TSX closed this Friday session on a good 21,106 points, which I don't really understand why it went up again... It's almost like we are on a recovery mode and will soon enough get back in the 21,700 points or something. However, I know this for sure, each and single day is a different one on the TSX. Fact that the TSX earns 300 points today means basically nothing at all. It's just the stock market being sporadic.

This past Friday beautiful gains could be all gone this upcoming Monday morning. The stock markets have their own ways to react to things - including war - and it's not always easy to follow. Because what's going on between Russia and Ukraine right now is more than just a conflict, it's a war. And it's super sad. No matter what, life goes on.

On a lighter note, I did enjoy this past Friday's gain, it was comforting to watch my TSX baby gaining some valuable points. My non-registered portfolio closed today on a good $138,319.06, my US portfolio at $4,845.89, my RRSP portfolio - stocks only - at $65,675.56 and my TFSA portfolio at $127,977.52. This past Thursday, I made two new investments in Labrador Iron Ore Royalty Corporation (LIF) for my TFSA portfolio, and Power Corporation of Canada Subordinate Voting Shares (POW) for my RRSP portfolio. In a matter of two days, POW gains +0.36% and LIF gains +4.89% inside my investment portfolio. It's quite fun when a newcomer hits on nice gain.

Earlier this year, I came up with this great plan for my money, which was going the following way: my margin debt: $533; money to be put toward my TFSA: $417; over my savings: $334; my RRSP: $208; money aside per month for my vacation: $200. This past Friday, I was able to have almost all of this done. Because of the current volatility of the stock markets, I decided to put the money that I would have normally put toward my savings and vacation over my margin account debt. It doesn't make that of a difference to lower my margin debt but at least it's a little step.

Since I had contributed lately to a 1k to my TFSA and $500 to my RRSP, I just didn't have any money left to do everything like it was originally planned, but I will try to catch up with my savings and vacation money at the end of March. I never put money aside specifically for my vacation before, so I was very proud of myself when I started doing this at the end of December.

That's all regarding my money stories for now.

Friday, February 25, 2022

Thanks to Quebecor Inc. (QBR.B), my annual dividend income is now exceeding $10,900!

Yesterday had been a long day, but it must have been an awful one for Ukrainians. I didn't know, but we do have a Ukrainian community in New Brunswick. They are obviously safe here, but many of them probably still have family in their home country. It's probably very difficult for them. On this first day of the Ukraine-Russia conflict, the TSX closed on a good 20,761.93 points. We are obviously below the so love 21,000 points. Under the circumstances, the TSX is going quite well. My non-registered portfolio closed yesterday session at $136,252.38, my US portfolio at $4,677.55, my RRSP portfolio - stocks only - at $65,192.89, and my TFSA portfolio at $126,771.07.

A stock of mine that I hold inside my RRSP portfolio, Quebecor Inc. (QBR.B), announced a dividend increase of 9%. It's now official, my annual dividend income is now slightly exceeding the mark of $10,900. Got to celebrate every little gain.

Lately, I had kept myself busy. We are still dealing with some cold weather in New Brunswick so I basically have nothing to do in my spare time. I don't go to the gym or anything, I am too scared of COVID. So I came along with a little challenge, which is to check every single stock of the TSX Venture over Stockopedia, in the hope to find a hidden gem. I am almost halfway done. Unfortunately, I haven't found anything exciting so far. The TSX Venture is literally an open ghetto for super sucker stocks! In my TSX Venture list of stocks, I have collected 1,950 stocks. Basically, I take each and every single of those 1,950 stock tickets and I search them in Stockopedia, in order to check on their StockRank - which is a special feature exclusive to Stockopedia, as well as their overall chart. If I see an overall chart that is perfection, a skyrocket just like the overall chart of Canadian National Railway Co (CNR) - then, I keep the ticket name.

I did a ton of research of this type on Stockopedia, but the results for the TSX Venture are simply not there. It's just something fun to do, and maybe I will eventually get my hands on something satisfying. I can do this with the stocks included in the TSX Venture, but I couldn't perform this task for all the stocks included in the TSX because it would be just too many stocks to check on. And actually, Stockopedia kind of already separates the good stocks from the bad ones for me. Unfortunately, Stockopedia does not separate the stocks coming from the TSX Venture from the regular TSX. I cannot focus exclusively on stock coming from the TSX Venture while searching on Stockopedia, like for example on their screens, etc.

I have never been really interested specifically in the TSX Venture. I must admit that I don't really look into that index, like not at all actually. My sudden interest came from Canada's Top Public Venture Capitalist Contest. You can find more info and register right here. I have enrolled, and we'll see how it goes.

The contest concentres itself on the 50 most profitable stocks of the TSX Venture - and not all of the stocks included in the TSX Venture. That makes things easier in terms of preparation. Of course, you understand that I won't disclose now the stocks that I am planning to invest in. I will do that once the contest is closed. It will make an interesting post topic to share my experience with Canada's Top Public Venture Capitalist Contest.

Thursday, February 24, 2022

Welcome in my investment portfolio Labrador Iron Ore Royalty Corporation (LIF) and Power Corporation of Canada Subordinate Voting Shares (POW)!

It's now official, Russia and Ukraine are at war since yesterday, late at night. Both countries have already dozens of death and this conflict is only at its beginning. Germany and the UK had delivered strong responses against the conflict, which was amazing, but will it be enough? European countries need to remain strong against Russia. Now more than ever is the time for those countries to come up with ways to become energetically independent.

I hope that I am wrong, but my feeling is that Poutine doesn't care much in regards to the international response, he just wants to invade Ukraine at all cost, no matter what, because this is his obsession. What Poutine wants is to extend Russia's territory on the back of Ukraine and he wants to make it happen, no matter what it takes. Will World War Three be declared? I don't think so, because only Ukraine is being involved, at least so far. Will the USA intervene in the conflict with a military response? No, because they didn't do anything when the Taliban took over Afghanistan. These days, when horrible conflicts happen, the international response is usually quite low, and everyone manages their business on their own side. It's sad, but it's how it is.

During that time, things are not looking very good for the TSX. Overall, my non-registered, TFSA, US, and RRSP portfolios are going all over the place. Today so far, my account summary went down with a variation from -$2,000 and a bit more to -$500 and less in a very short period of time. It's not fun to watch, but I had now been invested in stocks, for now, close to 15 years. I had seen a lot of volatility over the TSX, a lot of stuff happenings. And please remember that I had started investing in stocks shortly before the 2008 stock crash. I am now used to this stock market shit. However, I must admit it's always a bit frightening, no matter what. Its while the markets are low that you need to invest in stocks, that's how I basically built my portfolio, by taking advantage - among others - of the 2008 stock crash.

It's not going to be an easy one because as long as the conflict remains, it's easy to understand that unfortunately, the TSX will remain extra volatile. I am watching the situation very closely because as you might know by now, I have a margin account debt that is linked to my non-registered portfolio. Currently, my margin debt is at a bit more than $46,000. For now, everything is under control, my buying power left is over $40,000. I am with National Bank Direct Brokerage. I don't have any chequing account with National Bank, so I have no way to transfer immediately cash funds in real-time inside my non-registered portfolio if needed. This is not practical, but I had come up with an emergency plan in case of need.

My first option: I have a US portfolio that is worth in the $6,000 Canadian dollars. In case of need, I wouldn't mind selling my US portfolio. I could easily transfer the cash over my non-registered portfolio to help secure my margin debt. That's one option that could save me. When dealing with things of this nature, it's really important to come up with some scenarios. You need to be prepared in case of need. Personally, I don't have a real attachment to my US portfolio - it's only US stocks after all LOL. It wouldn't destroy me if I had to sell my US portfolio.

My second option: to sell some assets hold inside my TFSA and transferred the cash to my non-registered portfolio. I already target some stocks, like JFS.UN for example that I could sell.

A third option, that I could do as of right now is to take the money from my different savings accounts and get it transferred over my non-registered portfolio. This will decrease my margin debt, and protect it at the same time. Because the lower my margin account debt is, the better it is for me. I still thinking about it, but I am probably going to take action. This is only the first day of war between Russia and Ukraine, and the TSX is already down to 20,500 points...

Eventually, I could even withdraw some money from my RRSP portfolio and transferred it over my non-registered portfolio but this would be my last resort because of the penalties linked to RRSP withdrawals.

This whole mess didn't stop me from doing two investments today. I had invested in Labrador Iron Ore Royalty Corporation (LIF) for my TFSA portfolio, and Power Corporation of Canada Subordinate Voting Shares (POW) for my RRSP portfolio. My annual dividend income is now at a very very close $10,900.

Sunday, February 20, 2022

A new stock for my TFSA portfolio: Labrador Iron Ore Royalty Corporation (LIF)

It wasn't been a super great week for the TSX, who closed this past Friday session with 21,008.20 points. This result with my non-registered portfolio closing at $137 397,79, my US portfolio at $4 815,64, my RRSP portfolio - stocks only - at $64 979,44, and my TFSA portfolio at $126 358,89.

I had been living in New Brunswick for the past couple of months, which really help me with my finances. I had been able to save some valuable amounts of cash. I always have some plan for my money, whether I have money or not. I had invested in my RRSP back in December. I actually have a bit of money left to invest again in my RRSP for a couple of hundred dollars. Since we have until March 1th to contribute for the year 2021, I am probably going to be able to use this as an RRSP contribution for 2021. I haven't completed my taxes yet, I think I didn't receive all of my broker papers yet. I am not in a hurry, but I guess I will be able to have it done and complete in the next couple of days.

For this week, I had planned to contribute $1,000 to my TFSA. National Bank Direct Brokerage had that little contest going on for TFSA and RRSP contribution, it's the main reason I decided to go ahead with new investment for my TFSA this week. I am trying to get ready and I came up with a few stock ideas that I cannot help, but just need to share.

In term of investment and dividend income, I find myself to be in a very good place. I hold on to many great stocks and my annual dividend is getting closer to the so wanted $12,000. While investing, it can be dangerous to put our focus on the dividend income because the dividend income can easily take all the place. Most of the time, good quality stocks offer a low - or medium size dividend yield. Some stocks that offer a high dividend yield are garbage stocks. It's probably tempting to any of us to only invest in high dividend-paying stocks.

Now that I consider my investment portfolio to be quite established, I can be a bit more adventurous in a few investments that I am making. This time around, while searching for some new stocks to invest in, I wanted to invest in stocks that pay a good dividend yield. But at the same time, I still wanted to invest in a good reliable stock. At first, I taught about BCE Inc. (BCE). I kept looking around and I taught about: CM, T, NA, BNS, EMA, ENB, PPL, NWC... North West Company Inc. (The) (NWC) is definitively a stock that I could invest more in the future so I am keeping that one in mind. Inside my non-registered, I already own quite a big amount in BNS, PPL, and ENB.

Thanks to Stockopedia I came up with this new investment: Labrador Iron Ore Royalty Corporation (LIF). LIF pays a heavy 10.65% dividend yield. With this new investment, my annual dividend income will be close to $10,900. Following what, I will only be missing $1,100 to reach $12,000. I am looking forward to earn something like $250 extra in dividends coming from my DRIP for the rest of the year. That left me with an $850 that I need to find from other dividend payers. It's not that of a big amount.

In my search for new investments, I also find a brand new stock: Urbanfund Corp. (UFC). This stock is a bit strange: it doesn't even have its own website - or I wasn't able to find one for it... UFC is what you could be considered a penny stock. It currently trades at $1.20 per share. Urbanfund Corp. (UFC) dividend yield is a good 4.167%.

Despite trading below $5 per share, Urbanfund Corp. (UFC) overall chart is kind of looking good. UFC is also well-ranked in Stockopedia. However, when you search for Urbanfund Corp. (UFC) on the web, you won't find anything. No one seems to be talking about this stock. It could be worth just placing a small investment in this one, just for fun.

Thursday, February 17, 2022

Welcome in my RRSP portfolio North West Company Inc. (The) (NWC)!

Obviously, with a TSX down to 21,176.33 points, the value of my portfolio is also down, but nothing too disastrous. Personally, as long as the TSX remains in the 21,000 points, I will be just fine. My non-registered portfolio closed today session at $138,174.10, my US portfolio at $4,795.22 US, my RRSP portfolio - stocks only - at $65,093.64, and my TFSA portfolio at $127,321.87. Today, I made a small investment in North West Company Inc. (NWC) inside my RRSP portfolio. I was quite happy with it.

North West Company Inc. (NWC) has a nice overall chart. On top of this, NWC pays a nice 4.207% dividend yield. The investment made today in North West Company Inc. (NWC) was a tiny little one, but at least I was able to buy a few shares. I may invest again in NWC. I know this stock and it's the kind of investment that I like: easy to hold, stable - but with growth - and a nice dividend payer.

Yesterday, I comment regarding the calculation of my dividend yield for my investment portfolio. Today, I am getting back on this. Crypto shouldn't be considered as being a good investment option. Personally, I only invest in ETF crypto in an optic to sell them quickly in order to get quick cash. The last time I bought some ETF crypto units in order to perform a quick buy-and-sell move, it didn't work out as expected. To this day, I still hold to my investment in Fund The Class A units (QBTC), Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B), and 3iQ CoinShares Ether ETF (ETHQ).

But no worries, I knew what I was in for when I first started to trade ETF-related crypto funds. I was able to make a little bit of money trading those crypto ETFs last year. It's just that I pushed my luck a bit too much and I continued trying to keep that buy-and-sell rhythm on and on and on. Because crypto ETFs are so volatile, it was simply written in the stars that one day, I wasn't able to perform those quick buy-and-sell moves. Until recently, Bitcoins were making a great comeback - but unfortunately not enough in order for me to sell all of those little units at profit.

So when I am being asked: Crytpo is no good?

My honest opinion on this is: NO, crypto is not good.

Investing in crypto is just a big gambling game. When I started trading ETF crypto I wrote something really smart, not to invest in crypto more money that you can afford to lose. Of course, no one invests to lose money, but it's something I took into consideration while investing in crypto. That was actually a piece of really good advice right there. It's the main reason why I won't invest more than what I actually have in crypto ETFs. I am not even tempted at all. Despite the time that is passing by - too quickly, unfortunately - I am confident that I will eventually be able to sell my crypto units at profit.

These days, the crypto world is definitively not appealing to me. However, I had been watching a new stock that I find out about by reading this article on Stockopedia: Verde Agritech Plc Ordinary Shares (NPK). Trading below $10 per share, Verde Agritech is in the potash industry. It appears clearly by looking at this chart, Verde Agritech Plc Ordinary Shares (NPK) is on a strong momentum:

I am not a fan of this overall chart because as you can see, NPK's current value just came back at what it used to be 10 years ago - back in 2012. Nothing very impressive. However, with the current political situation regarding Russia and Ukraine, it seems like it's stimulating the potash industry. Verde AgriTech doesn't pay any dividend, but it could be a good stock to invest in if you are looking for a quick buy-and-sell hot move. If I am not going to get my "booze" out fun of crypto, I have to take from something else.

I find it quite strange that Verde Agritech Plc Ordinary Shares (NPK) trades over the TSX because this company doesn't seem to be doing any business in Canada. Since NPK trades at a cheap price, I wouldn't mind investing a small amount in this one inside my non-registered portfolio and quickly selling them off, just the way I used to do it with my crypto ETF investments. For now, I am just thinking about it. With the current market drop over the TSX, I am not feeling much as a trader.

Wednesday, February 16, 2022

Finally, my accurate dividend yield per investment portfolio

The TSX closed today's session at 21,383.64 points. My non-registered portfolio closed today session at $139,071.35, my US portfolio at $4,781.88 US, my RRSP portfolio - stocks only - at $65,345.82 and my TFSA portfolio at $128,914.61. My numbers are still strong. I received recently some sustainable dividend distributions. My margin debt is now down to $45,919.30. I would like to see my margin down to $40,000, or even better, in the $30,000. I suspect my net worth to be a bit behind the magical $345,622.80 of February 9, but not by that much.

Yesterday, TransCanada Corp (TRP) announced an increase of 3.4 percent of their dividend distribution. Lately, many stocks of mine had declared an increase in their dividend distribution. My annual dividend income, including RRSP, is now quite close to $10,800 which is quite fun. Eventually, I would like to reach a $12,000 in annual dividend income, just to have somewhat the equivalent of a $1,000 per month in dividend income.

A few days ago, I was asked for the dividend yield that generate my portfolio. I find this to be quite an interesting question. I provided the following numbers:

Non registered CAN portfolio: $139,881.86; Annual dividend: $5890; Annual yield: 4.21%

TFSA portfolio: $130,565.54; Annual dividend: $3000; Annual yield: 2.29%

US portfolio: $4,884.58; US Annual dividend: $67.324; US Annual yield: 1.37%

RRSP portfolio: $66,606.29 Annual yield: $1,768 Annual yield: 2.65%

However, I think the way I calculated my dividend yield per portfolio is not accurate, because I believe I have to use the initial investment value in my calculation and not the current investment value per portfolio. If I use the acquisition value as the main data in this yield calculation, I come up with those numbers:

Non registered CAN portfolio Annual dividend yield: 7.95%

TFSA portfolio Annual dividend yield: 3.37%

US portfolio Annual dividend yield: 2.45%

RRSP portfolio Annual dividend yield: 4.54%

I think I have it correctly this time! :-)

Saturday, February 12, 2022

When saving money become my best bet

This past Friday, my non-registered portfolio closed at $139,985.35, my US portfolio at $4,850.92, my RRSP portfolio - stocks only - at $65,896.72 and my TFSA portfolio at $129,730.61. My numbers are relatively the same as of this past February 9th, when I hit on my highest net worth value ever, at $345,622.80. I never taught of this like this, but I am now exceeding the third of a million. Hopefully, soon enough I will be on half a million. Let's just say that I am closer to the $350,000 than to the $500,000, but only for now.

I had a couple of stocks that had experimented with an increase in their dividend distribution. After Thomson Reuters Corporation (TRI), Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A) is another stock of mine that recently announced a dividend increase. This one is from 13 to 14 cents. My monthly dividend income is only a few dollars short of the so wanted $750.

I still have room left to increase my dividend income. If only I can at a point sell at my advantage my crypto funds investment in Bitcoin Fund The Class A units (QBTC), Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B), and 3iQ CoinShares Ether ETF (ETHQ). Trust me when I say, I can't wait to get rid of all of those crazy crypto funds out of my very precious TFSA portfolio. Following out, don't count on me to ever invest in crypto funds ever again. These days, the latest trend in the tech world appears to be metaverse, which Ethereum kind of reminds me about but don't ask me more details about metaverse. I have no interest in it.

At the present time, I don't have any investment ideas in mind. I am just trying to put my focus on saving money.

Wednesday, February 9, 2022

Reaching out my highest net worth value EVER: $345,622.80

The TSX closed yesterday's session on a good 21,377.18 points. My non-registered portfolio closed today session at $138,487,05, my US portfolio at $4,884.24 US, my RRSP portfolio - stocks only - at $66,016.20 and my TFSA portfolio at $128,749.97. In one of my previous posts, I talked about partly selling my investment ATCO Ltd. (ACO.Y). Today, ACO.Y did quite well and is currently standing still on a loss, but right now the loss is really little, -1,04%. When I notice this, it was past 4 pm.

Currently, I am more into a hold move when it comes to ATCO Ltd. (ACO.Y). Sometimes, it takes a great deal of time and patience to deal with some stocks. I must admit, I personally have a problem with ATCO Ltd. (ACO.Y). Since I bought that stock for my pretty TFSA portfolio, it never really grow, it actually lose in value. Difficult for me to say when I actually bought ACO.Y. I just have too many stocks and have done too many transactions. I totally blackout on this one, so I try to retrace my history with ATCO Ltd. (ACO.Y) on my blog. It's a good thing that I have it. Since I write about my every investing move, it simply helps me to keep track of everything. I had been investing in stock since 2008. In 15 years, a lot of stuff happen.

Back in 2017, my opinion on ATCO Ltd. (ACO.Y) was quite a good one. Back in 2019, it seem like I had proceeded with a contribution in kind with ACO.Y over my TFSA portfolio - I remember just absolutely nothing about this!! Too bad. I actually have a few stocks like ACO.Y - on which I carry a frustration, but nothing too horrific. And in the defense of ATCO Ltd., I knew what I was in. With a chaotic overall chart like this:

I also have stocks like Thomson Reuters Corporation (TRI) which I find to be super mysterious. The story of the Thomson family is quite enigmatic. TRI recently announced a dividend increase. Thomson Reuters Corporation (TRI) had been in my RRSP portfolio for a really long time.

With today 21,604.19 points, I was able to reach my highest net worth ever, saying hello to a beautiful $345,622.80. Now, the $350,000 net worth is just around the corner - this time for real.

Historic of my Total assets and Net worth values on date of February 9, 2022

2022

Total in assets: $391,766.36/Net worth: $345,622.80: February 9, 2022 - HIGHEST NET WORTH VALUE EVER!!!!!!!

Total in assets: $382,726.19/Net worth: $341,862.36: February 2, 2022

Total in assets: $386,320.32/Net worth: $340,128.37: February 1st, 2022

2021

Total in assets: $385,979.66/Net worth: $339,434.39: December 31, 2021

Total in assets: $382,726.19/Net worth: $336,268.16: December 23, 2021

Total in assets: $388,421.37/Net worth: $340,312.77 - FIRST TIME I EVER REACHED A $340,000 NET WORTH!
November 8, 2021

Total in assets: $387,068.51/Net worth: $338,959.91: November 5, 2021

Total in assets: $384,785.92/Net worth: $336,781.52: October 20, 2021

Total in assets: $382,580.80/Net worth: $334,576.40: October 19, 2021

Total in assets: $379,263.95/Net worth: $330,680.17: October 14, 2021

Total in assets: $364,072.52/Net worth: $315,407.64: July 26, 2021
Total in assets: $358,867.59/Net worth: $311,858.22: June 15, 2021
Total in assets: $354,774.64/Net worth: $307,559.30: June 10, 2021
Total in assets: $348,042.77/Net worth: $300,799.45 - FIRST TIME I EVER REACHED 300k in net worth, on May 26, 2021
Total in assets: $346,583.88/Net worth: $298,486.93: May 20, 2021
Total in assets: $349,651.45/Net worth: $298,435.31: May 7, 2021
Total in assets: $347,002.53/Net worth: $297,614.64: April 16, 2021
Total in assets: $338,188.16/Net worth: $287,914.75: March 11, 2021
Total in assets: $333,970.92/Net worth: $283,675.99: March 9, 2021
Total in assets: $328,881.12/Net worth: $279,611.57: February 10, 2021
Total in assets: $326,670.02/Net worth: $278,758.37: February 8, 2021
Total in assets: $324,891.52/Net worth: $276,979.87: February 4, 2021
Total in assets: $322,236.52/Net worth: $274,318.36: February 3, 2021
Total in assets: $327,639.01/Net worth: $274,298.23: January 19, 2021
Total in assets: $316,192.85/Net worth: $268,180.14: January 7, 2021
Total in assets: $313,003.95/Net worth: $264,915.22: January 6, 2021
Total in assets: $310,587.36/Net worth: $262,498.63: January 5, 2021

2020
Total in assets: $310,392.38/Net worth: $259,661.24: December 31, 2020
Total in assets: $307,812.05/Net worth: $259,070.79: December 24, 2020
Total in assets: $306,444.25/Net worth: $258,948.73: December 4, 2020
Total in assets: $304,701.39/Net worth: $257,331.58: November 27, 2020
Total in assets: $300,956.84/Net worth: $253,587.03: November 24, 2020
Total in assets: $298,903.01/Net worth: $251,533.20: November 23, 2020
Total in assets: $296,643.60/Net worth: $249,158.71: November 20, 2020
Total in assets: $294,514.87/Net worth: $247,145.87: November 11, 2020
Total in assets: $291,172.40/Net worth: $243,802.59: November 10, 2020
Total in assets: $287 803.13/Net worth: $240 433.32: November 9, 2020
Total in assets: $277,872.92/Net worth: $226,678.26: August 5, 2020
Total in assets: $276,627.27/Net worth: $227,745.47: June 6, 2020
Total in assets: $263,304.63/Net worth: $211,395.63: April 29, 2020
Total in assets: $241 461,13/Net worth: $194 558,29: March 13, 2020
Total in assets: $282,640.61/Net worth: $235,284.72: February 21, 2020
Total in assets: $304,955.72/Net worth: $257,187.44: February 12, 2020
Total in assets: $296,200.07/Net worth: $250,595: January 16, 2020
Total in assets: $292,715.58/Net worth: $244,970.41: January 9, 2020

2019
Total in assets: $288,237.52/Net worth: $239,582.44: December 31, 2019
Total in assets: $278,823.27/Net worth: $230,902.04: September 17, 2019
Total in assets: $271,896.19/Net worth: 226,137.05: June 24, 2019
Total in assets: $269 950.21/Net worth: $222 942.87: April 5, 2019
Total in assets: $251 634.94/Net worth: $206 278.84: January 18, 2019
Total in assets: $238 656.07/Net worth: $191 009.83: January 4, 2019

2018
Total in assets: $270 679.86/Net worth: $204 306.57: November 16, 2018
Total in assets: $332 750.88/Net worth: $232 609.15: August 3, 2018
Total in assets: $331 413.83/Net worth: $232 280.40: June 20, 2018
Total in assets: $326 085.75/Net worth: $226 801.92: June 3, 2018
Total in assets: $322 479.23/Net worth: $222 850.15: May 4, 2018
Total in assets: $319 644.86/Net worth: $217 246.23: March 16, 2018

2017
Total in assets: $318 544.64/Net worth: $221 989.65: December 29, 2017
Net worth on the date of November 17, 2017: $211 430.89
Net worth on the date of October 27, 2017: $212 633.39
Net worth on the date of September 29, 2017: $206 352.49
Net worth on the date of April 24, 2017: $204 277.66
Net worth on the date of March 31, 2017: $200 325.69
Net worth on the date of March 29, 2017: $198 299.73
Net worth on the date of March 18, 2017: $193 969.21

2016
Net worth on the date of December 30, 2016: $184 074.35

Net worth after debt on the date of January 1, 2014:
$101 172.99 (yes, finally, IN NET WORTH!).

On the date of February 16, 2011, the TMX hit the 14 000+ points, and I had exceeded the 150k in assets! (Not net worth yet).

On September 9, 2010, I reached $100,000 in assets! (not in net worth yet).

On the date of August 5, 2009, I reached my investment goal: I reached $50 000 worth of assets! (NOW, net worth).

On the date of December 5, 2009, I had exceeded the $60 000 in assets! (not in net worth yet).

My deb situation on date of February 9, 2022

Margin account debt: $46,143.56 @ 3.75%

Annual interest: $1,730.39

On the date February 9, 2022

**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 February 9, 2022

Cold cash: $7,517.38

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

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

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

National Bank of Canada (NA)

TOTAL: $139,881.86

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

Vanguard Russell 1000 Growth Index Fund (VONG)

Pfizer Inc. (PFE)

TOTAL: $4,884.58 US: $6,192.18 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI)

CT Real Estate Investment Trust (CRT.UN)

Canadian National Railway Co (CNR)

Exchange Income Corporation (EIF)

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

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

Andrew Peller Limited (ADW.A)

Toronto-Dominion Bank (TD)

Boyd Group Services Inc. (BYD)

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

Data Communications Mgmt (DCM)

LifeWorks Inc. (LWRK)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

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

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

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

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

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

North West Company Inc. (The) (NWC)

Bank of Nova Scotia (BNS)

National Bank of Canada (NA)

Stelco Holdings Inc. (STLC)

Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)

TOTAL: $130,565.54

RSP investment portfolio:

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

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

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

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

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

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

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

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

AirBoss of America Corp. (BOS)

Suncor Energy Inc. (SU)

Pender Growth Fund Inc. (PTF)

Rogers Communications Inc. Class B Non-voting Shares (RCI.B)

ATS Automation Tooling Systems Inc. (ATA)

Algoma Central Corporation (ALC)

Finning International Inc. (FTT)

Guardian Capital Group Limited (GCG)

Information Services Corporation Class A Limited Voting Shares (ISV)

Interfor Corporation (IFP)

Maple Leaf Foods Inc. (MFI)

National Bank of Canada (NA)

Nutrien Ltd. (NTR)

Open Text Corporation (OTEX)

Taiga Building Products Ltd. (TBL)

Vitreous Glass Inc. (VCI)

Total: $66,606.29

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,620.52

Others: $1,159.90

NBI Income Fund: $1,326.43

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $8,774.37

Other various: $26,035.47

TOTAL: $107,522.98

Social Capital at Desjardins Membership share: $35

Online money: $51.42

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

On the date February 9, 2022

$391,766.36

Tuesday, February 8, 2022

More dividend $$$ coming from TMX Group Inc. (X) and a few others!

Yesterday, I received a weird call on my old folk's mainline. An Indian guy was speaking and asked if I was the main user of the computer at home. At first, I was surprised. I finally reply with a: "no English" - the easiest way to get rid of marketing/spam calls - and was looking to hang up immediately after, but he just got the chance to reply with a: "I know you are speaking English, you just had spoken English to me". After that, I hang up. He called immediately after, and I simply hang up. After that, he stopped calling. Those types of calls are scammers and they can be really dangerous. Actually, I shouldn't have spoken at all, I should have only hung up.

I keep telling my old folks from time to time to never give any information over the phone, not to answer anything, and not to confirm any information. It's good to provide a reminder to senior citizens from time to time that those types of situations can happen because that way when such calls occur, they'll be more alert. It can be almost intimidating to received spam calls, especially if it's a human being that is doing the call and not a machine. I had received some scammer calls before, mostly recording messages, with all kinds of weird things that were just not making any sense at all, like the border agency is looking to arrest me or other hilarious shit. Oh, one time, I got a machine message saying that my social assurance number was going to expire... I taught: great, I no longer have to pay taxes LOL.

Yesterday, I took a couple of pictures at what can be named a local park I guess.

I had to go to the Post Office to return some Rogers cable equipment that wasn't working well. I went during my lunchtime. We received the new equipment by delivery, it was easy to install, but now we had to return the old one. I was planning to do this on Saturday, but what I didn't know is that here, Post Canada is not open on Saturday... I am now too much of a city girl. In Montreal, Post Canada is open on Saturday. But around here, it's close.

Also yesterday, my non-registered portfolio closed the session at $138,179.29, my US portfolio at $4,836.26 US, my RRSP portfolio at $65,968.14 and my TFSA portfolio at $126,883.16. I took the time to update my dividend income calendar, and y doing so, I found out that Canadian National Railway Co (CNR), Metro Inc. (MRU), TFI International Inc. (TFII), as well as Power Corporation of Canada Subordinate Voting Shares (POW) had increased their dividend distribution. If I strictly consider the dividend earn inside my non-registered and TFSA, my dividend income is not far away from an annual $9,000.

Best news ever: today, it's now the turn of TMX Group Inc. (X) to increase its dividend distribution!

Sunday, February 6, 2022

Finning International Inc. (FTT) is making its way in my RRSP portfolio

This past Friday session, my non-registered portfolio closed the session at $138,768.41, my US portfolio at $4,835.15 US, my RRSP portfolio - stocks only - at $66,165.31, and my TFSA portfolio at $127 467,98. I estimate my net worth to be currently somewhere in the $338,000.

A few news comers that I welcomed in my RRSP portfolio not too long ago are doing-especially well:

Algoma Central Corporation (ALC): +0.76%

Finning International Inc. (FTT): +1.70%

Maple Leaf Foods Inc. (MFI): +4.66%

Nutrien Ltd. (NTR): +6.17%

I have great news regarding Algoma Central Corporation (ALC). In her "what to buy in February" most recent post, Susan Brunner announced that she added Algoma Central Corporation (ALC) to the list of stocks that she's following in the industrial sector. Personally, I have a preference for the industrial sector. It's the main reason why I was happy to add Finning International Inc. (FTT) to my RRSP investment portfolio.

As you can see below, Finning International Inc. (FTT) has quite a rocky overall chart:

While browsing over Stockopedia to find new stock ideas, I usually avoid stocks that show something similar to this, a rocky overall chart that goes up and down, up and down.

What I am actually looking for looks a bit like this:

This is actually JFT Strategies Fund Class A Units (JFS.UN) overall chart, which is very good. A chart tells about the nature of a stock. As a "retail" investor - I hate that expression of "retail investor" - I always try to invest in top-notch quality stocks. Sometimes, I am a bit more adventurous, I had invested in a pot stock - Tilray Inc (TLRY) - which happens to be quite disastrous, but I don't mind holding it. However, I learned my lesson, no more pot stocks for me. I also had been quite adventurous with my crypto investments:

Bitcoin Fund The Class A units (QBTC): -19,93%;

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B): -26,24%

3iQ CoinShares Ether ETF (ETHQ): -15,40%

When I first invested in those funds, I had been lucky. At first, I had been able to place quick buy and sell moves at profit. It was exciting and fun. Unfortunately, at a certain point, I got stuck in the game. I was no longer able to sell at profit. I decided to simply hold until recovery. Both Bitcoin and Ethereum are super volatile, but at the same time, it's that exact volatility that makes it possible to make quick and easy money while trading crypto funds.

For the past couple of days, Bitcoin and Ethereum had both gained in value, which is encouraging. Sometimes, it takes a bit of time to get out of a hole, but I am confident I will be able to sell my units at profit one day or the other. I am not a super fan of Bitcoin, I only get it because it was way too attractive and I had been weak, but I really wanted to make some money out of some trades and it was fun for the time it lasted. When I first stepped into that fun game, I knew what crypto was super volatile, and it's for that reason that I suggested not to invest more than you could afford to lose in a previous post.

One thing is for sure, Bitcoin will never replace gold as a valuable investment.

Thursday, February 3, 2022

More and more dividend $$$ from BCE Inc. (BCE)

It's a good thing that I had a good idea to updated my investment portfolio yesterday, because today, I wouldn't have hit the same good results. I am definitely no longer sitting on a $341,862.36 net worth. While dealing with those 21,094.01 points, my non-registered portfolio closed today session at $138,394.99, my US portfolio $4,855.01 US, my RRSP portfolio - stocks only - at $65,942.45, and my TFSA portfolio at $126,097.42.

Today wasn't really a good day for my numbers, but BCE Inc. (BCE) came with some good news that save the day. BCE Inc. (BCE) announced a dividend increase of 5.1 percent. From now on, BCE Inc. (BCE) will be paying a dividend distribution of $3.68 per share. With this increase, the dividend earns coming from my non-registered and TFSA portfolio had now reached an annual $8,796.14, which is the equivalent of a monthly $733.01. This is quite needed at this time because I just received a few days ago a notification of rent increase. Nothing too drastic, my rent had jumped from a monthly $700 to $710. Recently, I hear some horror stories about rent being increased sky rocking. If it would have to happen to me I would just leave Montreal and work from home in New Brunswick. However, I have to admit that I would be bored, staying in New Brunswick all year long.

I still have some cash left available inside my TFSA portfolio that is just waiting to invest. Following BCE Inc. (BCE) dividend increase, it would make a lot of sense to place a small investment in BCE. I already own BCE Inc. (BCE) inside my TFSA portfolio, so it will just add up my number of shares. Nothing much, but it would increase my dividend income to something like $736 per month. Anything that can increase my dividend income sound like a great plan thank you.

Wednesday, February 2, 2022

Welcoming my highest net worth ever: $341,862.36

Yesterday, I was quite curious to find out about my net worth, so I updated my investment portfolio. For yesterday, my net worth closed the session at $340,128.37. It was a good result, but not enough unfortunately to beat my highest net worth ever, which I had reached just a few months ago, in November 2021, with a net worth of $340,312.77. Luckily enough, today my net worth closed the day on a pretty $341,862.36, making it to my highest net worth value of all time.

Earlier today, I placed a few phone calls and I got a few things done. I am sometimes a bit lazy at doing some tasks but I eventually get things done. I now can say that I had proceeded with my first contribution in kind from my non-registered portfolio to my TFSA portfolio with my new broker, National Bank Direct Brokerage. The two stocks that I selected from my non-registered portfolio are Saputo Inc. (SAP) and the National Bank of Canada (NA). This is my first TFSA contribution for the year 2022 and it was about time. Also with National Bank Direct Brokerage, I proceed with the registration of my DRIP for the stocks eligible, which I haven't proceeded since I had made the switch from TD Direct to National Bank Direct Brokerage. At TD, the DRIP can be registered automatically inside your accounts, all the stocks eligible will be automatically set for a DRIP. This is kind of a terribly annoying task for National Bank Direct Brokerage's broker because they need to activate the DRIP stock per stock. At National Bank Direct Brokerage, the DRIP is being set per stock, and not per accounts like at TD Direct.

One last thing I have done with National Bank Direct Brokerage today was to verify the status of the dividend distribution that I was expected coming from JFT Strategies Fund Class A Units (JFS.UN). Back in January 2022, I understood that I was supposed to receive a dividend for the shares I own of JFT Strategies Fund Class A Units (JFS.UN) inside my TFSA and RRSP portfolios. I am going to receive something, but not in terms of dividends. The broker at National Bank Direct Brokerage explains to me that the amount of $1.966989 per share will be added to the JFS.UN unit value sometime during the month of April. I was surprised by this because when you read the press release, it is said that: "The Reinvested Distributions will be paid on or before January 14, 2022". We are not talking here about the month of April at all. Maybe it's National Bank Direct Brokerage who doesn't know what they are dealing with and obviously don't know how to read.

I certainly do not trust a broker who doesn't provide the value of my portfolio in real-time. I certainly like and adore National Bank Direct Brokerage's $0 commission fee for selling and buying stocks, but for me, getting my numbers in real-time is not a luxury, it's what a broker is all about. In that matter, National Bank Direct Brokerage fail at giving me satisfaction.

I am currently on top of my game, but no matter how well I am doing - even if my first $350,000 net worth is really just around the corner - my National Bank Direct Brokerage is falling at giving me satisfaction. For example, as soon as the TSX opens, at 9:30 am, it's impossible for me to view the value of my portfolio in real-time - I have to wait for 15 long minutes after the TSX actually opened before seeing my first results for the day. This is extremely annoying for me. I am deprived of the pleasure of self-satisfaction in real-time, but on the other hand, I am enjoying a $0 commission fee situation and I can buy-buy-buy and sell-sell-sell without being able to evaluate and enjoy my portfolio value in real-time.

It's more than an adjustment, it's a misery. No matter what, I am sitting proudly on my $341,862.36 pot of gold.

But not in real-time.

Historic of my Total assets and Net worth values on date of February 2, 2022

2022

Total in assets: $386,320.32/Net worth: $340,128.37: February 1st, 2022

Total in assets: $382,726.19/Net worth: $341,862.36: February 2, 2022 - HIGHEST NET WORTH VALUE EVER!