The plan to pay down my margin account in the next three months

The TSX is really difficult to follow right now, its just so volatile! The ride is wilder than ever before and this is not my favorite time. My best time was following the 2008 stock crash. I love my TSX when it's calm and steady. Are the good old days gone for goods? There are always opportunities on the TSX, but it's just that things are getting harder and harder, at least for me. Its costing more and more to invest at credit, and the volatile market makes it riskier than ever to be on a margin account, like the one I had until recently. I decided to sell my PBH shares to pay down my margin and I have no regrets. 

My non-registered portfolio closed this past Friday session a $126 443.97, my TFSA portfolio at $74 795.23, and my RRSP, stocks only, at $37 755.88. Its now official, the TFSA contribution limit for 2019 will be of $6 000. Better start saving now!  A 6k represent a good amount of money to save.

This past Friday session, my margin closed on $66 731.31. Its an increased of $358.02 compared to November 16, but that's only because the interests kick in. And that's exactly why I decided to sell off my PBH shares. With interest rates that are just going to keep rising, a 66k margin felt better on my shoulders rather than a 100k+ one. And no one has the right to doubt on my decisions on that matter. And no one certainly doesn't even have the right to even think that I am not taking the best decisions for myself, because I always do. With this last paycheck, I am going to be able to decrease my margin to $66 011.31. Its amsll step in the right direction, but in other to take bigger steps, I need to sell some investments. And its now all planned!

I am thinking about selling the following stocks inside my TFSA portfolio:

Hydro One Limited (H)
Toronto-Dominion Bank (TD)
Royal Bank of Canada (RY)
Parkland Fuel Corp (PKI)
National Bank of Canada (NA)
Enbridge Inc. (ENB)
BMO Bank of Montreal (BMO)
Canadian Utilities Limited (CU)

Canadian Imperial Bank Of Commerce (CM)

The sell of those stocks should bring on close to $30 000. If I sell those stocks before the end of 2018 and if I transfered the money earn to my non-registered portfolio to pay down my margin, I will be able to reinvest that 30k inside my TFSA portfolio in 2019. I already spotted a few investment I have inside the non-registered portfolio that I would like to proceed with a contribution in kind of to TFSA in 2019: Nutrien Ltd. (NTR), Jamieson Wellness Inc. (doesn't), Aecon Group Inc. (ARE), TFI International Inc. (TFII) - and maybe: ATCO Ltd. (ACO.Y). While selecting some stocks to proceed with a contribution in kind for my TFSA, I always try to target stocks that I really want to keep in my portfolio, but that registered small capital gains, no capital gain at all - or who are experiencing a capital loss.

As soon as 2019 kick in, I could sell my PPL and ENB shares. Following what, I will collect more than what I need in order to completely pay down my margin. After this exercise, I will have a 5k left in cash in order to invest inside my RRSP - that RRSP investment will be made in order to help a bit to reduce my taxes, since I will collect a great following the sale of PPL and ENB inside my non-registered portfolio.

I could pay everything I own for my margin as soon as January 2019. And just to make sure a new debt cycle don't happen again, I will close my margin account. It will be a release for me to be debt free, it will be start of a new beginning where the money I collect as the dividend earned can goes as saving or for new investment, but definitively not to pay the interest of a margin account.

All this only to pay my margin account, but I decided to pay it all for many reasons. A recap of the reasons why:

-I will be turning 40 (!!!) in two years and I need to accelerate my savings and decreased my debt - which is my margin.

-Its getting more and more expensive to invest on credit, as prime rate just keep increasing - and will probably be increase again in 2019.

-A margin is link to the value of stocks, which value is volatile - you always need to check on your stocks to make sure your margin is ok.

-I borrow money from my credit lines when I am away to pay down my margin - and that cost me money.

Paying debt is never a wrong move, no matter what you need to sacrifice.

The little story of me and my margin account

I updated my portfolio yesterday, something I didn't do in a really long time. Actually, I didn't publish any portfolio update since August! And that's because the TSX had been such a rough place to be this year. I usually update my portfolio only to flatter my ego, when my portfolio registered great gains. With this recent update, I just wanted a more precise idea of where I was standing. I had been thinking about paying down my margin for also a really long time, its been an idea that stayed on, but I never took action. And my margin debt even was real massive shit, a $100 000, and sometimes, it exceed the 100k mark. I had a margin account for quite a long time. But when I first open my brokerage account, I didn't have back then a margin account - I had a margin opened only several years later. At the time, the idea was to open a margin to pay off some debts. And at the time, it was quite a good idea. The stock market was on a good path, interest rates were low. I had everything for myself. And during those good years I collected good assets. And I occasionally used my margin to pay some living expenses, and I sometimes use my margin money to invest. I was that kind of girl. I was a margin kind of sexy girl, tun of money at my feet, and the power of my young thirties.

I never had any problems managing my margin account, mostly because it was living under great stocks that I was holding inside my non-registered portfolio, and because I always try to keep a $13 000 of unused margin money. 13k being the minimum of the minimum. $15 000 was better, and $20 000 even better. But no matter how much I had left of unused margin money, whenever I was leaving for my annual vacation in Cuba - or even while leaving Montreal for a few days in New Brunswick, I always had to use extra precautions. So what I used to do whenever I was leaving Montreal behind, I was making sure to transfer between 10k to 15k from my credit lines to my margin in order to keep it safe while I was away. The stock market being what it is, I couldn't take the risk of not doing anything to keep my margin safe.

There's nothing safe about having a margin account inside a non-registered portfolio. No matter how much cash you put in, a margin situation is never safe. But it kept me satisfy and I had a peace of mind knowing that I had extra cash on my margin while being away. This little scenario kept happening each time I went to Cuba - once a year - and every time I went to New Brunswick - many many times a year! Just keeping my margin "safe" cost me money. Not that much, but still, it was money flying away.

I had my fun with my margin account, I had paid my other debts. And back at the times, the interest rate was low on my margin account - the good old days - but it's not the case anymore. Interest rates are skyrocketing and it's not going to stop anytime soon, especially in Canada. It's been announced that the prime rate will get increased again sometime soon. I appreciate the fun margin account, but now, I am somewhere else. I felt more and more the need and necessity to pay off my margin.

I decided to sell my Premium Brands Holdings Corporation (PBH) shares, it was a personal decision that relies exclusively on my shoulders, like the rest of all of my investment decisions. And like all of my decisions, they are all mine to take. And it makes me kind of laugh to read the comment of readers. I only post them to entertain. It's easy to say that I should sell my PBH shares when the investment was rocking at $122 a share... It's easy to talk, but its something else to be an investor on the everyday life. And I would like to know how much money those soft talkers actually have for themselves...

I always wrote about absolutely everything that concerns my investment life and I go into the deep bottom of it. Popular bloggers don't even give half of what I give to my readers. I made great money by selling my PBH shares, but of course, I could have made even more if while selling when PBH was on top. But my intention has never been to sell my PBH shares. I decided to sell because I didn't want to see PBH go lower and I just couldn't be there and do nothing about it. I could have only partly sold, but I was released to see my margin usage going down. Since the amount on the margin was exceeding the $100 000, my only option to reduce it was to sell some assets. The stock market is a place of opportunity. The buy and sell are orders, and the "if I would sell", or the "if I would have bought" always remain. I could have made better, or worst, but I stand on my decisions. Talkers can talk, but cane the same talkers can do better? I doubt.

The stock market is not a soft place to be, the TSX is rocky, but interest rates are going up. It's not the best cocktail. In other words, what I mean is that we just don't know what this is going to lead us to. The financial places worldwide could get all upside downs again soon that it wouldn't surprise me at all. Usually, the TSX is easier and I get more of a natural feel of it. Even following the 2008 stock crash, it was writing in the stars that the TSX was going to jump over it. I knew that. It was what I believe in. But now, it's all different. I love investing in stocks and I think that I will always be investing in stocks, but not while having a margin. On the date of November 16, my margin account is now at $66 373.29. I just don't remember the last time my margin usage was so low.

Selling stocks at profit inside a non-registered account mean tax to be paid. If you would like to learn more on the matter, this article by Tina Orem is really great.

2018 year was the year I sold PBH, and 2019 could be the year when I sell my oil stocks. You understand of course that the idea is not to sell everything on the same year, in order to pay a bit of tax this year, and a bit next year. I could invest a bit in my RRSP by March 2019 - its an idea I have in mind.

My debt situation on date of November 16, 2018

Margin account: $66 373.29 @ 5.50%
Annual interest: $3 650.53

My investment portfolio on date of November 16, 2018

Cold cash: $1 325

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10 929.38
Methanex Corporation (MX): $8 316.22
Fortis Inc. (FTS): $5 710.82
Pembina Pipeline Corporation (PPL): $27 741.20
Corby Distilleries Limited (CSW.A): $2 545.33
iShares S&P/TSX Capped REIT Index (XRE): $2 696.54
New Flyer Industries Inc. (NFI): $4 086.72
TMX Group Inc. (X): $634
K-Bro Linen Inc. (KBL): $3 490
WesternOne Inc. (WEQ): $21.10
TransCanada Corp (TRP): $1 314
Canadian National Railway Co (CNR): $10 152
Enbridge Inc. (ENB): $13 572.24
Nutrien Ltd. (NTR): $3 534.50
Black Diamond Group Ltd (BDI): $60
Emera Inc. (EMA): $1 100
BCE Inc. (BCE): $1 215.28
Saputo Inc. (SAP): $1 571.60
Lassonde Inc. (LAS.A): $2 105.10
Loblaw Companies (L): $705
Savaria Corporation (SIS): $7 145.10
Canadian Imperial Bank Of Commerce (CM): $3 428.40
ATCO Ltd. (ACO.Y): $2 384.40
Jamieson Wellness Inc. (JWEL): $1 967
WSP Global Inc. (WSP): $3 229
Aecon Group Inc. (ARE): $1 903
Aphria Inc. (APH): $2 538
Goodfood Market Corp. (FOOD): $1 164
TFI International Inc. (TFII): 3 465.60
George Weston Limited (WN): $95

TOTAL: $128 820.53

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 747.28
General Mills Inc. (GIS): $1 413.76
Cash: $96.68

TOTAL: $3 257.72 US - $4 285.20 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $874.65
CT Real Estate Investment Trust (CRT.UN): $1 293
Canadian National Railway Co (CNR): $4 512
Exchange Income Corporation (EIF): $31.78
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 552.34
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 094.70
The North West Company Inc. (NWC): $1 490
Andrew Peller Limited (ADW.A): $2 380
Canadian Imperial Bank Of Commerce (CM): $9 942.36
Hydro One Limited (H): $2 031.12
Toronto-Dominion Bank (TD): $1 452.40
Boyd Group Income Fund (BYD.UN): $3 288.90
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 261.30
Data Communications Mgmt (DCM): $7.98
Morneau Shepell Inc. (MSI): $2 452.50
Royal Bank of Canada (RY): $3 814.80
Parkland Fuel Corp (PKI): $2 381.44
Park Lawn Corporation (PLC): $1 271.40
Toromont Industries Ltd (TIH): $2 330.40
National Bank of Canada (NA): $5 463
BCE Inc. (BCE): $497.16
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 930
Sienna Senior Living Inc. (SIA): $1 357.60
Boralex Inc. Class A Shares (BLX): $688.40
Richelieu Hardware Ltd. (RCH): $1 208.88
Savaria Corporation (SIS): $980.70
Enbridge Inc. (ENB): $896.28
Northland Power Inc. (NPI): $2 125
Calian Group Ltd. (CGY): $2 186.70
BMO Bank of Montreal (BMO): $1 981
Canadian Utilities Limited (CU): $1 320.48
WSP Global Inc. (WSP): $1 614.50
Granite Real Estate Investment Trust (GRT.UN): $557
Cargojet Inc. (CJT): $2 396.85 
Agellan Commercial Real Estate Investment Trust (ACR.UN): $797.44
Cash: $3.52

TOTAL: $75 480.50

RSP investment portfolio: 
Emera Incorporated (EMA): $12 144
EnCana Corporation (ECA): $1 086.48
Toronto-Dominion Bank (TD): $2 178.60
Telus Corp (T): $2 334
Royal Bank of Canada (RY): $1 907.40
Savaria Corporation (SIS): $2 830.02
Thomson Reuters Corporation (TRI): $2 576.80
Park Lawn Corporation (PLC): $4 238
Richards Packaging Income Fund (RPI.UN): $1 225.62
Toromont Industries Ltd (TIH): $407.82
CAE Inc. (CAE): $1 831.90
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 900.45
Boralex Inc. Class A Shares (BLX): $860.50
Quebecor Inc. (QBR.B): $698.75
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $352.10
Cash: $335.04

Total: $37 907.48                

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 738.90

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

GIC National Bank: $1 329.75                 

Manulife Fidelity NorthStar GIF CAP B: $1 196.34
Manulife Simplicity Growth Portfolio: $1 313.99
Maritime Life CI Harbour Seg Fund: $1 180.27
Maritime Life Fidelity True North Seg Fund: $1 526.79
Manulife GIF MLIA B World Invest: $1 164.72
Total: $6 382.11

Other various: $11 196.09

TOTAL: $60 634.08

Social Capital at Desjardins Membership share: $35
Pending online income: $99.56
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$270 679.86

Saying thank you and goodbye to Premium Brands Holdings Corporation (PBH)

I was kind of expecting it, my Premium Brands Holdings Corporation (PBH) continue to lose money again today. And for me, it was the point of no return. I decided to sell all of my PBH shares. I am no longer holding to PBH inside my non-registered portfolio. I guess that tomorrow again, PBH will lose some more money. I didn't want to simply sit there and watch PBH falling down. I decided to sell everything, and I got in a nice capital gain that greatly helps to pay down my margin account. My margin account usage is now at $66 383.92 (I used to be on a 100k, and sometimes a bit more). My non-registered portfolio closed today session at $128 068.52. My net worth must be in the 202k, which is not bad. While being under a 16 000 points, you must find reward where you can find it.

I actually don't remember the last time when my usage of margin had been under the 70k. For me, this is just the natural way things had been done. A 100k margin was quite a big debt to hold on to. The stock markets are not going better. Actually, I cannot say if we are in a good or bad place right now. Its like we are in that big dark shadow that surrounds us. 

If I sell all of my oil stocks: Enbridge Inc. (ENB), Pembina Pipeline Corporation (PPL), TransCanada Corp (TRP), Parkland Fuel Corp (PKI), I could have really little left to pay on my margin account. It's something I like to consider. I really don't like those oil stocks and I find it hard to believe that still today in 2018, and soon 2019, we keep exploiting oil. Its a resource we shouldn't have to rely on.

These days, the environment is the topic à la mode, but in the other hand, we are not cutting down on the planes that travel worldwide, we still have the Formula 1 events, which pollute enormously, and worst thing ever: we still have the Olympics. Calgary vote no to the Olympics in their city and common sense had won. We will never be able to save the world because no real action is being taken by our governments. Right now, we should shut down airplanes, no more travel for nothing, no more oil, no more anything bad for our environment. No more Olympics. But I doubt that the world has the intelligence to move forward in that direction. And personally, I am secretly thinking about selling my oil stocks. I want to go back to my old pure inspirations. A day will come when oil will have little value.

Yesterday, Cineplex Inc. (CGX) was experiencing some major loss. And today, it was the turn of another deep love of mine: Savaria Corporation (SIS). Today SIS drop down 18.78%. No worries for now, I am still experiencing gain on SIS. Will SIS do like PBH and drop again in value tomorrow? If so, I am going to sell!

I am now a bad ass investor.

Agellan Commercial Real Estate Investment Trust (ACR.UN) is now from my portfolio, I invested in a few shares for my TFSA portfolio. Welcome in my TFSA portfolio Agellan Commercial Real Estate Investment Trust (ACR.UN! Go go go and makes mommy proud!

A new investment for my TFSA: Agellan Commercial Real Estate Investment Trust (ACR.UN)

Premium Brands Holdings Corporation (PBH) continued to lose some value today, so I decided to sell partly my PBH investment. I made great capital gain on the sell. I always prefer to stick and hold to the investments I like the most, but things never go exactly the way it had been planned and better be ready to stick to no plan at all, and do what you need to do when difficulties arise. Not that you have to sell your PBH shares like I did, but it could be a good idea to partly sell PBH, especially if, like you, you are experiencing really good capital gain on the investment. If PBH goes down again tomorrow, I may sell some more shares tomorrow.

It's not fun to see a stock you like and that you had been holding to for a really long time going down, but when it happens, I prefer to go with my feelings and do what I think its right. I wasn't planning to sell any of my PBH shares today, but I decided to do so to save my money.  For the past year, PBH just keeps going down.

Today, the investors of Cineplex Inc. (CGX) had experiences the same situation I did yesterday on November 13 with PBH. Today, Cineplex Inc. (CGX) shares plunge 20%! I used to have CGX in my portfolio, but that was a long time ago. With Netflix, YouTube and CraveTV, its inevitable, the movie industry is taking a hit. I used to go to the movies once per week, but I no longer do that anymore. The world as we used to know it just keep changing and all of those changes have an effect on the investments we hold. Just like for PBH yesterday, CGX didn't meet the analyst's expectations, and in result, CGX went down on the TSX today. It's never fun to see a stock going down, even its a stock that I don't hold myself. But its how it is. And what will make you successful in the long run is the ease to make good decisions for yourself when difficulties arrived. If you are scared to lose money on a stock that is going down, the solution is easy: sell that damn investment before its too late!

As you may know, I have big margin debt, but with a big margin can comes big problems. I never had any problem with my margin, but at a point, as I am getting older and not younger - this babe will be turning 40 in 2 years!!! - I need to be more careful and it would be much better to begin paying off that big fat margin as I like to call it now, because I wouldn't like to retire and be holding to some debt, and I wouldn't like to work forever...

After the move of today, I estimate my net worth to be in the $201 000, which is not too bad, knowing the conditions we are in. After all, the TSX is still under the old 16 000 points. I will try to update my investment portfolio this upcoming weekend, just to get a better idea where I am actually standing.

I had a small amount in cash inside my TFSA account, which had been there like forever now because I am just getting all crash in by the TSX and your baby can easily get lost. But I am back on track, and I decided to make a small investment in Agellan Commercial Real Estate Investment Trust (ACR.UN). I find this one in one of my Stockopedia's favorite screen: neglected firms.

Excluding the PBH shares that I sold earlier today and including the new investment, I will make probably tomorrow in ACR.UN, my new dividend income with being of $8 372.17. It's, of course, a decrease of where I use to be, a difference of -$338.54, but I am saving $500 in interest on my big fat margin.

Following my investment in ACR.UN, I am looking forward to maybe invest in the following:

RCI.B

PBL

MTY

Who's Quebec's most hated CEO of the moment? Alain Bellemare

Yes, Alain Bellemare is currently the most hated CEO of Canada. And is it a true surprise that the most hated happen to be a Quebecker? I experiment it every day while having to work in Montreal for my living, I just know too how much Quebeckers are the type of individuals that you cannot trust in any way. Those individuals are not respectful, and are really dumb when it comes to planning and money management. If you live in Quebec province and are an outsider, don't ever deal with a financial planner, don't trust anyone, double checks everything, be careful, and don't buy any properties, no condo, nothing. Its, like always, my really best advices.

Bombardier received several millions of our tax money and 14 million went in the pockets of Alain Bellemare. And currently, Alain Bellemare wants to cut jobs in order to maximize the revenue per employee.. Why don't you begin by your own salary and set an example? Personally, I never had any confidences in Quebeckers leadership skills, but the case of Bombardier and Alain Bellemare is quite special. My best advice: no matter how low Bombardier Inc. shares are currently trading, don't invest a single penny in Bombardier.

Those last couple days had been rough for all Bombardier employees, and I have a rough day of my own, as my top holder, the love of my life, Premium Brands Holdings Corporation (PBH) lost 16% of its value today. Markets are really hard, or should I say, investors. When a stock doesn't meet expectations, oh lala, watch outtttt!!!!!! This is what happens to PBH. Want to know how I reacted when I notice that my baby PBH was taking a hit? I double check it - oh my God what's going on? And I move on and I don't give a damn. And I also took 5k from my credit line and move it over my margin. I know for sure that TD brokers all have sex dreams about me, every little single of them are dreaming to make that margin call, don't you fuckers? I am awful, the situation is awful, but I am still on a +270% gains when it comes to Premium Brands Holdings Corporation (PBH).

Remember that I built my portfolio starting the 2008 stock crash. I saw everything, and I know how the stock market can be a rough place for such a lady that I am. This is what the stock market is about. But at the end of the day, my PBH stocks are still paying a juicy dividend to its favorite investor - which is myself of course. So breath by the nose.

I love the stock market because its massacre me. But at the end of day, just remember all of my words and it's not a deep hit that will kill this awful little girl. So come on, HIT ME HARD baby. I will always be here and writing all down on the hardest days of my beautiful life on the TSX. I can take a lot of my shoulders and I am ready to face it all.

And have nice dream, TD Waterhouse brokers ;-)

Jamieson Wellness Inc. (JWEL) is on a rough path

I forgot to post this yesterday, after writing it. 

The TSX lost over 80 points this past Friday, but at least, we are still in the 15 000 points. Things are not exactly easy on the TSX.

My non-registered portfolio closed Friday session at $173 988.79, my TFSA portfolio at $76 378.29, and my RRSP portfolio, at $38 650.70. My ARE shares are currently experiencing a 0.15% gains inside my non-registered portfolio. I will keep ARE inside my non-registered portfolio for now, in the hope that it will experiment more gain in the future. In ther other hand, I am experiencing a suprise drop for my Jamieson Wellness Inc. (JWEL) investment. I was on healthy gains with JWEL, but currently, I am only on a 0.56% gains, which is quite disappointing. I was doing so well on that stock, but not anymore.

Sometimes, stocks go down quickly for whatever reason. As for JWEL, I don't plan to sell for now. And I won't sell either way my precious ARE stocks.

Great day for the TSX: my non-registered portfolio closed today session at $176 139.09

Its election day in the US, but I am pretty sure that the Republicans will win. Democrates are not the party they used to be, in front of man who lie like he breath, and who has a micro penis, Democrates can't do nothing and that's for many reasons. Donald Trump gave all he could to win this mid term elections and we'll have to wait and see, but he's probbaly going to win, one more time. One of the Democrate is almost a criminal, I don't know the name, but I read something really disturning. We haven't heard Hilary Clinton, she had stayed in her comfort rather than fighting back. And Barack Obama did a few appearances, but nothing much. Overall, Democrates don't have what it take to take the power. Americans are not tired yet of Donald Trump and I understand them. Being American, I would had voted Republican today.

My non-registered portfolio closed today session at a really good $176 139.09. Many great stocks that I own helped my cause, but not yet PBH. TIFF gained 5.15% inside my non-registered portfoflio. Following the announcement of its New Brunswick facility, NTR announced today an increased of its dividend distribution. In result, NTR gains 4.52%. My TFSA portfolio closed today at $76 227.82, and my RRSP portfolio, stocks only, at $37 724.55.

Bad day for both New Brunswickers and Quebeckers, but good day for the TSX

My non-registered portfolio closed today session at a good $174 108.33 - and that is while having my precious Premium Brands Holdings Corporation (PBH) under the mark of $90 per share. Imagine what will happen when my PBH go over on the $90 per share, of if it even exceed it! That's quite exciting! I wasn't aware that NTR had any activities in New Brunswick, but its been announced today that NTR closed a facility in New Brunswick, Sussex. Its quite sad, as 430 jobs are being lost. Personally, I had to leave New Brunswick in order to find work and all of those 430 workers may have to leave New Brunswick in order to find work, but I really hope that they will be luckier than I had. Living among Quebeckers is no great fun. But I had been lucky my way, I had been able to exceed the $200 000 in net worth. I may didn't suffer for nothing after all, but its only money.

New Brunswickers aren't the only bad lucky ones. Rona is closing 31 stores in Quebec province. I don't know exactly how many jobs are going to be involve, but I guess its a lot.

My TFSA portfolio closed today session at $75 854.08, and my RRSP portfolio closed today session at $37 626.28. I was super excited with today 15 217.70 points.