The month of April 2019: budget in review

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $78.63
Total: $823.70

Food:
Grocery: $170.58
Eating out: $173.01‬
Coffees: $38.9‬0
Wine: $9.95
Total: $392.44

Personal care:
Makeup: $54.23
Other: $20.67
Hair cut: $63.24
Total: $138.14

Clothes: 
Shoes: $152.91

Others:
Sport accessory: $17.24
Order for cheques: $57.24
2 dish clothes: $1.43
Notebook: $2.88
Total: $78.79

Transportation:
Taxi: $30

Vacations:
Easter vacation expenses: $313.55
Reservation for this summer vacation: $222
Total: $535.55

Interest on margin: $220.41‬

Total expenses: $2 371.94‬

Income: 
Paychecks: $2 643.3‬0
Dividend earns in the non-registered portfolio: $328.79
Dividend earns in US portfolio: $0
Dividend earns in TFSA portfolio: $271.46
Dividend earns in RRSP portfolio: $91.61
Total income: $3 335.16

Money save: $963.22

The month of March 2019: budget in review

I didn't post any "budget in review" since this past February.
The month of March, as well as April so far, had been quite busy, and the expenses had sky rock, which explains why I didn't place any new investments for quite some time now.

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $48.65
Total: $793.72

Food:
Grocery: $438.81
Wine: $10
Eating out: $251.82
Coffees: $67.75
Total: $768.38

Personal care:
Hair cut: $63
Makeup: $14.59
Shampoo, conditioner, soap, deo: $49.51
Calcium: $25.62
Earrings and hair clips: $26.33
New glasses: $458.01
Total: $637.06

Home expenses:
Sealed plastic container: $7.48
Blanket and sheets: $106.80
2 carpets for entrance: $8.32
Plants: $72.37

Plant pot: $18.97
Plant pot: $7.48
Total: $221.42

Transportation:
Taxi: $40
Metro tickets: $15.75
Total: $55.75

Taxes:
Accounting for the 2018 taxes: $80.43
Payment to the tax man for 2018 (federal and provincial): $1 944.31
Total: $2 024.74

Others:
Museum membership: $72

Gift: $60
Laundry tickets: $50
Total: $182

Interest on margin: $194.19

TOTAL: $4 877.26


Income:
Paychecks: $3 927.93
Trade on Lightspeed: $106
Dividend earns in the non-registered portfolio: $608.63
Dividend earns in US portfolio: $15.68 US - $21.13
Dividend earns in TFSA portfolio: $173.03
Dividend earns in RRSP portfolio: $46.63

TOTAL: $4 883.35

Hope you had an Happy Easter, TSX investors

I just arrived yesterday in the late evening from a few days in New Brunswick. I actually wrote my post of April 12 while being on the bus, that's why I couldn't find out how well was doing my portfolio during that time! :-) Yesterday when I arrived in my Montreal "home", I checked out my data. In the date of yesterday, my non-registered portfolio was at $125 442.81, my TFSA portfolio at $71 079.05, my RRSP portfolio - stocks only - at $43 086.91, and my US portfolio at $3 344.69 in the US $. But today, results are even better, and that's because my lovely TSX closed today session at a really good 16 669.4 points. And now, I just don't have time to complete this post. Maybe it's best this way - maybe the TSX will close in the 16 700 points tomorrow, why not?

Truth, dare, double dare, promise, or repeat. Repeat, repeat and repeat

I just know how to repeat, nothing else.

I am not able to check on the value of my stocks right now, but one thing is for sure, my net worth is probably exceeding the 222k at this time. Back in August 2018, I was on my highest net worth value ever: in the $232 600. Now that I am 222k, I am not far behind that 232k. If the TSX can continue on its golden road, I may be in business to even exceed the 232k value. Something like 3 years separates my first $100 000 from my first $200 000 net worth. I had been stuck in the 200k net value since 2018, and I already have enough. I had been thinking on my past road, on the way I picked my stocks in the past. I often invest in stocks while they had been trading at their highest value – and it actually never been a mistake. 

Good quality stocks often trade at their highest value, it's ok to hit in when the time has come. It may not be the best timing in term of trading – got to buy low, sell high right – but sometimes, you need to abstract yourself from the regular figures and from the traditional financial blablabla. You need to welcome high-quality stocks in your portfolio whenever it pleases you, to then welcome them in your life and love them so much that you can’t no longer exist without them. Without that special stock, your life has just no meaning. And you get to love those stocks so much that your love protects them from all the market upside down.

If, by any chance, those stocks trade lower at one point and that you are lucky enough to buy at that special time – that’s even better. But occasions don’t present themselves all the time. And for people like me who are living paycheck per paycheck and who are extremely cash poor (because you’re an addict and trash all your money over the stock market), it could be even more difficult to enjoy such opportunities. In the past, I never wait long before investing in stocks that I had crushes on.

When I want a stock, I want it.

And this is why the experience needs to repeat itself every time. Got to target a good stock, jump in when you can and keep doing the same damn thing over and over again, again and again.

In the previous post, I expose a few stocks I had my eyes on. Currently, the only stock I want is Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A). WPK is nice but it’s not powerful enough. Once again, history is repeating itself, I am soon about to invest in a stock that is trading in its highest value ever. It’s not my fault, BAM.A just got everything I need to boost up right into the stars my net worth.

But now, are you just ready for it?

YESSS! The TSX is now in the 16 400 points - and even exceeding it!

That's it! It looks like I am getting my Eastern gift right on time before leaving Montreal behind for the belove New Brunswick for a couple of days! But this is not a from me-to-me, it's a gift I am getting directly from the TSX. My non-registered portfolio closed today session lower, at $125 478.69, but I am experiencing what I think might be my new highest value ever for my TFSA portfolio, $71 057.31. My RRSP stocks only portfolio closed the day at $42 905.19. 

My net north is now at $222 942.87

It's nice to see the TSX hitting in the 16 400 points direction! In those great times, I estimated my net worth to be in the $223 000, an increase of $6 000 compare to March 1th at the time of my last portfolio update. My non-registered portfolio closed this past Friday session at $125 877.48, my TFSA portfolio at $70 941.14, my RRSP portfolio - stocks only at and my US only stock portfolio at $3 283.41 US. I just had posted an update of my portfolio update, and I was almost right! My current net worth is now at $222 942.87, not too bad. I had posted the portfolio update earlier today.

Another good thing I did this afternoon is paying my federal and provincial taxes for 2018. The amount was quite sustainable, almost $2 000 all mix together. But this is really nothing. In 2018, my income had been in the $70 000. I wanted this to be taking care of now before my vacations in New Brunswick, which are coming in a hurry and I can't wait. Spring is giving me an energy boost. Winter had been rough and the warmer weather is quite nice. I spent a big part of my Sunday afternoon browsing the screens of Stockopedia. Sometimes, I can search for stocks on Stockopedia, but for a reason or another, I won't find anything interesting. But today was quite good, a few stocks came my way.

Here's the result of my today browsing on Stockopedia. Consider this as a "first draft", not as a final serious list of potential stocks to invest in. I have highlighted in yellow the stocks that I feel that could eventually be a good fit for my portfolio:

Ag Growth International Inc. (AFN)
Viemed Healthcare, Inc. (VMD)
PFB Corporation (PFB)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
GDI Integrated Facility Services Inc. Subordinate Voting Shares (GDI)
Waste Connections Inc. (WCN)
Killam Apartment Real Estate Investment Trust (KMP.UN)
Great Canadian Gaming Corporation (GC)
Alimentation Couche-Tard Inc. Class B Subordinate Voting Shares (ATD.B)
Magna International Inc. (MG)
West Fraser Timber Co. Ltd. (WFT)
Medical Facilities Corporation (DR)
Middlefield Healthcare & Wellness Dividend Fund (HWF.UN)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
SmartCentres Real Estate Investment Trust (SRU.UN)
Tricon Capital Group Inc. (TCN)
Winpak Ltd. (WPK)
Hardwoods Distribution Inc. (HDI)
Newgrowth Corp. Class A Capital Shares (NEW.A)
WPT Industrial Real Estate Investment Trust (WIR.U)
Valener Inc. (VNR)
First National Financial Corporation (FN)
Gildan Activewear Inc. (GIL)
Kirkland Lake Gold Ltd. (KL)

I had invested in ATD.B in the past, so I won't be investing in it again. Currently, Winpak Ltd. (WPK) has all my attention. I wouldn't like to invest in some REIT or financial stocks at this time.

My debt situation on date of April 5, 2019

Margin account: $47 007.34 @ 5.50%
Annual interest: $2 585.41

On date of April 5, 2019

*For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

My investment portfolio on date of April 5, 2019

Cold cash: $695.89

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11 043.75

Methanex Corporation (MX): $8 202.92
Fortis Inc. (FTS): $6 176.44
Pembina Pipeline Corporation (PPL): $31 613.40
Corby Distilleries Limited (CSW.A): $2 495.60
iShares S&P/TSX Capped REIT Index (XRE): $2 921.38
New Flyer Industries Inc. (NFI): $3 683.11
TMX Group Inc. (X): $690.96
K-Bro Linen Inc. (KBL): $3 750
WesternOne Inc. (WEQ): $21
TransCanada Corp (TRP): $1 534
Canadian National Railway Co (CNR): $10 849.50
Enbridge Inc. (ENB): $16 104.40
Emera Inc. (EMA): $1 261.25
BCE Inc. (BCE): $1 313.84
Saputo Inc. (SAP): $1 826.40
Lassonde Inc. (LAS.A): $1 700
Loblaw Companies (L): $798
Savaria Corporation (SIS): $6 974.98
ATCO Ltd. (ACO.Y): $2 793.60
Jamieson Wellness Inc. (JWEL): $1 897
WSP Global Inc. (WSP): $3 651.50
Aecon Group Inc. (ARE): $1 791
Aphria Inc. (APH): $2 686
George Weston Limited (WN): $97.45

TOTAL: $125 877.48

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 642.24
General Mills Inc. (GIS): $1 627.84
Cash: $13.33

TOTAL: $3 283.41 US: $4 379.08 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $915.25
CT Real Estate Investment Trust (CRT.UN): $1 437
Canadian National Railway Co (CNR): $4 822
Exchange Income Corporation (EIF): $34.39
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 725.20
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 261.50
Andrew Peller Limited (ADW.A): $2 225.30
Hydro One Limited (H): $2 192.40
Toronto-Dominion Bank (TD): $1 497.80
Boyd Group Income Fund (BYD.UN): $4 440
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 475.50
Data Communications Mgmt (DCM): $7.62
Morneau Shepell Inc. (MSI): $2 475
Royal Bank of Canada (RY): $4 135.20
Park Lawn Corporation (PLC): $1 537.20
Toromont Industries Ltd (TIH): $2 776.80
BCE Inc. (BCE): $537.48

Northview Apartment Real Estate Investment Trust (NVU.UN): $4 287
Sienna Senior Living Inc. (SIA): $1 508.80
Boralex Inc. Class A Shares (BLX): $764
Richelieu Hardware Ltd. (RCH): $1 018.90
Savaria Corporation (SIS): $949.90
Northland Power Inc. (NPI): $2 335
Calian Group Ltd. (CGY): $2 471.60
BMO Bank of Montreal (BMO): $2 043.60
Canadian Utilities Limited (CU): $1 564.08
WSP Global Inc. (WSP): $1 825.75
Granite Real Estate Investment Trust (GRT.UN): $635.40
Cargojet Inc. (CJT): $2 329.57
Nutrien Ltd. (NTR): $3 615

TFI International Inc. (TFII): $3 341.60 
Canadian Imperial Bank Of Commerce (CM): $3 282

SIR Royalty Income Fund (SRV.UN): $1 296.80 

Cash: $163.58

TOTAL: $70 941.14

RSP investment portfolio: 
Emera Incorporated (EMA): $14 226.90
EnCana Corporation (ECA): $1 033.56
Toronto-Dominion Bank (TD): $2 246.70
Telus Corp (T): $2 477
Royal Bank of Canada (RY): $2 067.60
Savaria Corporation (SIS): $2 741.14
Thomson Reuters Corporation (TRI): $2 817.36
Park Lawn Corporation (PLC): $5 124
Richards Packaging Income Fund (RPI.UN): $1 265.55
Toromont Industries Ltd (TIH): $485.94
CAE Inc. (CAE): $2 100.70
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3 227.35
Boralex Inc. Class A Shares (BLX): $955
Quebecor Inc. (QBR.B): $811.25
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $305.62
Brookfield Renewable Partners L.P. (BEP.UN): $798.95
Cash: $233.20

Total: $42 917.82         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 945.21

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: $1 247.76
Manulife Simplicity Growth Portfolio: $1 406.27
Maritime Life CI Harbour Seg Fund: $1 229.18
Maritime Life Fidelity True North Seg Fund: $1 642.80
Manulife GIF MLIA B World Invest: $1 258.42
Total: $6 784.43

Other various: $12 951.55

TOTAL: $68 021.62

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

On date of April 5, 2019
$269 950.21

My non-registered portfolio closed today session at $125 610.02

This is not an April fool post! For real today, my non-registered portfolio closed today session at $125 610.02. Fact that the TSX closed over the 16 200 points is helping. Bank of Canada won't increase the interest rate. It's the right move, knowing that what investors are obsessed about right now is the upcoming recession, what may come we just don't know when. Some we are facing some rough time with China, that they won't buy our canola oil... this is going to hurt many Canadians, especially if China can buy their canola oil from another country. I guess there are many producers of canola oil worldwide, this cannot be just a Canadian thing. With the upcoming elections, I am seeing more negative than positive things going on. Too often, the TSX often has an opposite feeling, like for today, where she decided to pop it up over the 16 200 points. I am not going to complain.

Currently, it's now official, my investment in Pembina Pipeline Corporation (PPL) is now exceeding the $31 000 value. Following some announcements, SIS and PLC had closed the day on a trading halt. SIS had been on a rough path, it's that it had hit the $20 per stock value, but now the stock is trading lower. However, I am on a really good capital gain on this one. Who knows for sure, maybe SIS will open on a positive note tomorrow morning. As for Park Lawn Corporation (PLC), PLC had been sitting my portfolio since now 2016. Time is flying by too quickly! People die and need a funeral, and other related services. For that reason, and since baby boomers are not getting younger, business is "booming" for PLC. Services in that sector can be quite expensive. I am very proud of having PLC in my portfolio, it's among those stocks who are shining like a diamond to simply make me look good. Being able to find this stock on Stockopedia had been a blessing. It's the reason why I just keep searching for stocks on Stockopedia because you never know what I may be able to find next. Its a search that will simply never end: the search for my really next best investment. But this game is just getting harder and harder knowing all of the good stocks that I hold: ENB, CNR, PPL, PLC, TIH and many many other.

Don't listen to what Nigel D’Souza of Veritas Investment Research has to say

I am surprisedd, by this, but my non-registered portfolio closed this past Friday session at $124 525.99, my TFSA portfolio at $70 170.81 and my RRSP portfolio - stocks only - $43 275.60. I think this is the highest value ever registered for my RRSP stocks portfolio! I am surprised overall by those good results because the TSX didn't close on a positive note. Its why I am surprised to see my non-registered portfolio closed to the 125k. I am usually on that spot only when the TSX is in good spirit. But no problem, I am taking those great results. I however have a few bad things going on.

It looks to me that my bank stocks are on a lower note in my portfolios. Got to thank a little loser who's making people panicking and selling those precious bank stocks just because Nigel D’Souza is saying so. And the worst thing is that the organization he's working for,  Veritas Investment Research, is based... in Toronto. So we are not even talking here about a complete US idiot like Marc Cohodes, who had publicly bashing a Canadian jewel, Exchange Income Corporation (EIF), and making it fall. We are talking here about a Canadian citizen working for a Canadian business who is beating up our banks! 

Fact is, no one - including me - can always be on top of their game. Market fluctuation happens, Canadians hold a lot of debt, and we are currently waiting for the next recession to happen in this country. Back turns is naturals and normals. But we shouldn't push it. Nigel D’Souza decided to be on the same side as Marc Cohodes: an enemy to the good wealth of this country. Currently, things are not top-notch, why does media are actually paying attention to what Nigel D’Souza has to say. Even Amber Kanwar of BNN The Open talked about this on national television. Amber Kanwar decided to pay attention to Nigel D’Souza - I guess she has her script to read - but I am smarter anyway.

Sure, this is not the perfect time to buy Canadian stocks. There's a lot of insecurities going on. Even in my 3 portfolios, I see that bank stocks are down. But hey, Canadian banks are great dividend stocks and they pay well, and their dividend is secure AND increase over time. Dealing with a bad turn is not exactly a bad thing either. It's the perfect time to buy stocks who are usually really expensive. Your asset will temporarily suffer, but the inner self doesn't change no matter what. And this means that, if the vlaue of your bank stocks may go down at some point, it doesn't change this: Canadian stocks are a great stock to hold inside a portfolio. Stocks bank are like anything else, you can have some in your portfolio, but don't concentrate all of your assets in them.

Currently, you could see Nigel D'Souza as a traitor to the Canadian nation, nothing less, just like Marc Cohodes had been with Exchange Income Corporation (EIF). A manipulator and a cheater. And a poor man.

In life, you need to be smart enough to target the good people from the bad. If you don't have that ability, you'll end up listening and wasting your time with the wrong people, and you'll end taking really wrong decisions, like selling now your bank stock, while their value is down.

This being said, I have my eyes on JWEL, which is only now at a gain of 0.56% in my non-registered portfolio. Funny thing being that SIA is on a gain of something like 4% in my portfolio while I had been thinking of selling it to pay down my 2018 taxes, which I didn't pay yet. I have my Easter vacation coming up so I can quietly escape from it all, at least for a few days.