Welcome to my non-registered portfolio TransCana Corporation (TRP)!

I find the last couple days going on like a yo-yo. But the past few days had been good for the stock market and despite my worries, I decided to invest in TransCana Corporation (TRP). Yesterday, or should I say earlier last night, I said I was going to invest in TRP if the TSX opens on a happy note...

Actually, I was still in bed for the market opening and I continue my beauty sleep until... 12:30pm... I wake up looking gorgeous (ah!), wondering what the TSX was going to be like... To my surprise, the TSX has exceeding the 12 300 points so this was the time. Time has come to invest in the very precious TransCana Corporation (TRP). GO FOR IT!

I kept in mind the advice of Rob Carrick to continue to invest even in a quasi-depression state of the market (and of myself on the same time)... So I just did what I needed to do, I invest in some stocks of TransCana Corporation (TRP) at 40.27$... For now, I have used my margin money, but I will, if not this afternoon, proceed with a 1 000$ deposit on my margin.

While keeping Rob Carrick good advice on mind, I decided to stick to the plan I describe previously before: to invest in blue chips once every month when possible using my very own money. My next investment will probably in Canadian National Railway Co (CNR).

My portfolio is doing fine. Including my newest investment made in TransCana Corporation (TRP), my non-registered portfolio is now at 108 210.20$. Getting closer to the original 113k of BEFORE the market crash of August 2011. I find it very important to continue to invest at this time to bring in more value to my portfolio. Investing in blue chips won’t significantly increase my dividend earning. Anyhow, it’s not anytime soon I will be able to live form my dividend. So having all that in perspective, better to continue to invest in some blue chips really not that generous on dividend BUT who will be able to bring in extra value for the long run.

No worries, it won’t be done on margin. Blue chips paying so little in dividend, they don’t even worth the buy on margin lol. At least just for dividendly thinking. Got the idea? Real cash, blue chips, small extra dividend earnings. That’s the plan for now.

Welcome aboard TransCana Corporation (TRP)! May you have a long and happy existence inside my non-registered portfolio. You’ll see, it’s going to be fun.

Balances Data of TD Waterhouse for August 10, 2011

Today data for August 10 are actually very good:


Non-registered portfolio value: 105 123$
Money used on margin: 40 470.31$
Money left on margin: 17 835.76$

I am under the bar of the 20k on my margin, but that 17k satisfies me, knowing I have a 6k I can transfer over at any time.

I have now this 1 000$ available and I wonder what to do with it, if investing in TRP is really that a good idea. But you know what, I will let the market decided. Tomorrow morning, if the TSX opens on a positive note, I will invest in TRP, if not, well, there will be no investment in TRP, the money will goes as deposit on the margin. It doesn’t have to be complicated, and truly, it is not.

In 16 more days, I will be 31.

EnerCare Inc. (ECI) Derek Foster ex darling is making a comeback!

In the darkness, there’s still hope... I think the past 2 days have been an illustration of that. Holding was the right thing to do. What wasn’t right to do however, according to Derek Foster, was to borrow to invest. Yesterday, the TSX gains point like crazy and Derek Foster has the very good idea to come with a brand new newsletter and I was happy of those 2 combination that I wrote Derek Foster a little email to say hello (because I never did before) and to say that the stuff was working well for me. I also told him I had a margin and that oh, unfortunately I had borrowed to invest. And he’s the answer I got from the master (not to say MONSTER lol...):

“Margin borrowing and other credit scares me...you might consider paying down you debt for increased safety...just my thinking...derek”

I thank him kindly of his answer, of course.

If I expose his answer here it’s just to show that you know, with Derek Foster, you’ll get the best investment ideas and the best advices. My margin and debt situation are not the safest heaven that’s true and I should definitively start to slow down and pay off my debt.

I think this show the willingness of Derek Foster to teach how to build health, but from our own hard worked money and that’s very good and I totally agree. I am not in great danger at this time, but the TSX could loss more points. Remember that guy that say the TSX could go lower and reached the 9 000 points? Well, it could happen, everything is possible.

But my problem being I don’t think we’ll be hitting on the 9 000 points anytime soon. I think things will get better. The Fed, governments, everyone out there will do whatever can be done to save us from a recession and I truly believe will go through this.

But once again, my debt situation is not healthy. I understand the risk associate to it.

At this time, the market is full of possibilities. This is my time to invest in TransCana Corporation (TRP) like I wanted for quite a long time now. This is my time. Ok, I know, the amount invested is just 1 000$, but I am getting overexcited here and if I don’t invest in TRP tomorrow, I will be very sad.

That my debt and margin account turn into a complete nightmare – I have doubt about that. However, Derek Foster is right, I should pay off my debt. It’s a good real advice for the little bummer that I am. Imagine the girl, working at night to follow the stock market during day time, this absolutely BUMMER super sexy. 

Thank you Derek Foster, thank you very much :0)

Ok, this being said, EnerCare Inc. (ECI) is making a HUGE come back!!!! Back in the days, when ECI was trading under a different, ECI was a Derek Foster stock. ECI was well ranked by the one and only Jean-François Tardif. Back in the days, ECI was hot. And after, Dividend Ninja came and said ECI was holding too much debt. Anyhow, do I really know any of it? No.

BUT... I decided to sell my ECI stocks in order to invest in the Sprott Physical Silver Trust UTS (PHS.U). See, at the time, it was the silver mania. Silver was hot and Eric Sprott as well. I made money out of silver, and my PHS.U still continue to perform well, even following the silver crash. The only problem being that PHS.U grow in value, but pay 0$ in dividend. However, I do not regret my move. Holding and trading PHS.U had been quite fun. At least so far. At this time, I do not trade actively silver. I am sticking and holding PHS.U inside my TFSA.

This being said, I may consider buying back some EnerCare Inc. (ECI) stocks back again. Why? Because it’s a stock I know, Jean-François Tardif grades this stock well (long time ago but still) and the experts at TD like the stock.

For the next couple of months, I want to add some stocks CNR and ECI to my portfolio. At more than 8% in dividend yield, ECI is HOT. And CNR? Well, watch it grow, if not explode in value in the next couple of months. It’s going to be FANTASTIC. Check it out in here.

So there’s absolutely no way I am about to pay off debt any time soon but I am aware the advice is good and coming from a big heart.

My non-registered portfolio is now at 105 910.18$ and tomorrow, I will boost the TSX of one more 1 000$.

I think the bottom line has been reached

Because my non-registered portfolio is now at 106 117.87$

From now on, it can only get better, right?

Is that it? Did the Toronto Stock Exchange had reached its bottom line yet?

Reaching the bottom line mean for me reaching the point where we had reached the lowest the TSX could go in those recent stock crash events. For a second day on a row, the TSX is gaining points (it was gaining points until a few minutes ago...). Most fantastic gains were yesterday. On today, the TSX remains stable. So far, TSX recorded a little loss of 5.39 points. For this morning, my non-registered portfolio is at a good 104 257.94$. I am confident that real soon, I will be back on my old 113k value.

Until it happen, I will continue to invest occasionally. This that, what is different is that I am only focusing on high quality stock. And I think TransCana Corporation (TRP) is among those high quality stocks that can help stabilize the value of my portfolio on the long run.

Like it was planned, I will be investing some bucks in TransCana Corporation (TRP) sometime tomorrow. TRP is currently trading at 39.40$.

What I learn so far from margin investing during the August 2011 stock crash

For the past couple days, I notice some technical difficulties with TD Waterhouse trading platform but nothing major. I had written about some of them previously. But tonight, I won’t have to wait until tomorrow morning to access my Balances Data. TD Waterhouse has updated everything and it’s currently 12:51AM Eastern Time on August 10. Way to go TD Waterhouse! Please continue that way. I need you to be working properly. Especially at this time. Don’t make me calculate myself my margin value.

For August 9, 2011:

Non-registered portfolio value: 103 443$

Money used on margin: 40 470.31$

Money left on margin: 16 938.86$

Today data were much more better. At a certain point of the day, my portfolio hit the 103 929.61$ and when it happen, I was very very very happy and of course, when it happen, I post the great news right here on my blog.

I want to believe that the worst is behind, but so far during this correction, I learned that investing on margin can be quite stressful. A usual market volatility is easy to handle. But a stock crash is not. However, I am getting through it so far, but it’s not because I am a good stock picker, it’s a matter of being extra lucky and also because my portfolio is diversifies in all sorts of stocks. If a lesson can be learn from my experience with margin investing well, it will be a “try to avoid” because margin investment is difficult.

At first, I was supposed to use my margin money at an interest rate of 4.25%. I did, but a big part of the margin went on stocks, to satisfy a maybe too in deep taste for adventure. This being said, I do not regret my move and I totally assume what I am in right now. It was my decision to invest on margin, no one else. But I will no longer invest on margin, just on my own money. The lesson learn was good, wasn’t? But this was needed in my case.

Let’s hope for me please that the Maple Group deal for the TMX Group (X) goes through so I can cash in more than 5k and that way, decrease my margin usage. Please.

Oh waittttttttttt.......

My non-registered portfolio is at 103 929.61$.

The TSX pushing today session at 12 108.09 points

This morning, I cannot tell the happiness I felt after seeing that the TSX had gains some points. This is greatly helping to stabilize my margin account situation. The past couple of days had been quite rough. I usually like to follow the market, but I had reached my limit of what my nerves can handle. I never doubt about my capacity to handle the margin, but while the market is in bad shape, there’s a limit of what I can handle, I cannot do miracle. I need to have the market on my side. I did not give up on the market and the market did not give up on me...

But here what it was like for the closing of yesterday August 8, 2011:

Non-registered portfolio value: 99 409$
Money used on margin: 40 481.52$
Money left on margin: 14 817.55$

Yesterday data were looking quite ugly. To see my non-registered portfolio stuck under the 100k was absolutely terrible. To response to the emergency situation, I wanted to sell my US investment and transferred the money into my Canadian non-registered account. I also wanted to transfer the investments hold in my TFSA to my non-registered account. But I did not proceed, because I had faith of being able to go through without having to transform my portfolio. A stupid damn faith in myself! LOL. I didn't want to have to call TD Waterhouse anyway.

Yesterday, I stay up late because even at 2AM, TD Waterhouse Balances sheet was not updated. I could have calculated manually the value of my margin, but it would have taken me a while to complete. So I went to bed at 2AM without knowing how was doing my margin account. However, I knew I was doing ok on the margin, it’s just I didn’t know how much was left on it. So I transferred back the 6k on my credit lines in order to avoid the high interest rate and the rest well...

On August 9, so far for today, my non-registered portfolio is at 103 630.72$!

Its been tough but I am doing ok on my margin.

A lot of this investment game is only base on psychology. Holding was necessary and in my case and it was a benefit. I am just hoping for the best. These past days had been difficult to handle. May the worst be behind. As always, my portfolio is rocking the place. Good you have me to read. Lucky you are ;0)

My non-registered portfolio is now at 101 243.16$!

Just wanna let everyone know!!!! My margin is safe for now and I am in heaven. Bye for now.

For Gordon Pape, it's decision time

My non-registered portfolio is now at 100 324.62$. What I expected is unfortunately happening. for Gorgon Pape, it's clear that we are into another recession and that investors have to choose between being out there or not to invest at all. For Rob (a reader), this is the continuity of 2008 recession. Some we'll say that the recession of 2008 simply continue. But as a believer, I wanted to be in a different time. For me, we were in better shape, it was getting better. Some of my companies like PGF, KBL ect. are still performing well in this current market condition.

At this time, I won't be selling my investment portfolio. I will be able to make today without a margin call I will transferred my TFSA investment into my non-registered Canadian portfolio. Selling at this time could be catastrophic. I always been in for the long run and on top of that, some very good companies are being offered at a cheap price. The same Rob reader says it will be difficult for me to make money out of my portfolio. It can only be a dumb broker or a Quebecker to have this kind of words for me. Is your portfolio has gain in value lately? I am very sure that the answer is no and it's ok. While facing difficult events, this is how any portfolio reacts. What will make the different at the end: will you be strong enough to HOLD?

While being fully invested like I am, the only solution is to hold the current asset. Another one could be to sell part of the asset and reinvest in gold or silver but it's not something I am really at right now. I want to add titles I never find attractive - quality stocks paying very little in dividend - you see the kind? I will be proceeding in my first of the kind investment in a couple of days.

Susan came with the idea to apply for another credit line - it's something I need to do NOW. I wait late, but as was optimist that the bottom would had been reached by now but it did not.

Since I am already in, I will continue what I had been doing for the past couple of years, I will continue to invest. We need to reach the bottom of it so the TSX can begins to gain points again. this time is harder than 2008, there's no way to figure out if we have reached the bottom of it or not. This is the most difficult part to deal with. To figure if the TSX can go any lower.

Time for retail investors to be warrior and invest for the long run in high quality stocks. It's not anytime soon that I will give up.

My only concern is my margin account of course, but I totally assume and so far, well, so good. My portfolio is strong enough to stay over the 100k. At least for now.