Celebrating 10 years of happy blogging and investing on the Dividend Girl!

Back on August 13, 2007, I was writing my very first post on my blog. At the time, I had a net worth of $11 572.57 and all I wanted was to hit on the $50 000 net worth, which seem to be a fortune for me. I taught it was going to take me forever to reach the 50k, its partly why I name my domain blog myfirst50000.com. It was going to last forever! But oh surprise, I reached the famous $50 000 net worth on August 5, 2009. Easy first round. Even with only $50 000, I was on top of the world.

Next step was naturally. If I was able to reach the 50k so easily, could I possibly make it to the $100 000 net worth without any trouble? Well, it haven't been easy, the markets had been rough and tough, but at the end of 2013, beginning of 2014, I was there, the $100 000 net worth was at my door. 

Now 2 years later, I am sitting on a $167 778.96 net worth and all I want now is a $200 000 net worth. If I could be on the 200k net worth mark by the end of 2017, that would be very great. I am secretly dreaming that it will happen for the end of 2016 but you'll have to keep reading to find out! The 200k seem to be a lot more easier to reach than the 100k, but its all a matter of what will happen with the stock markets. With the help of Stockopedia, investing more over the US market could be the push I need to make it happen faster. One thing for sure, I am not aloud to make any investment mistakes never ever again. It seem like in 2016, I had been at top of the game so far. Its a game, and its a rough one, but there's big rewards at the end.

I won $95 at Loto Max which I happily cash in today and went shopping, all excited. I have a bit left of it, but it mostly went on clothes. I bought a great sweater and 2 pair of pants. At this time of year, I know its a terrible thing to say, but I am in the waiting for autumn to arrive and I am in the wait for the cold weather. I just want autumn to arrive. I have enough of the summer. All my flesh is in the waiting. Please accept my apologizes. I usually feel this way around this time of year. I guess its because I cannot stand the hot weather in Montreal. Enough of the summer! (sorry again).

Over the years and currently, my only financial "default" is not having any cash reserve - but perfection is not from this world, isn't? For me, the choice between investing or saving is way to easy: I invest whatever is available. I am not an example to follow in that matter. I cannot help it, I just cannot leave any money in my bank account. Maybe once I hit on the 200k I will begin to calm down a little, I don't know. For now, I am like a little hamster running and running like crazy in a little cage. lol!

Fact is, the catch with money is that its never enough. The more you have, the more you want. See, once I reached that famous first $50 000 net worth, I could had been smart and told myself ok, now I am going to leave money in my bank account to create a little emergency fund - but of course not! A good amount would be $15 000.

As you may notice, my net worth is now of $167 778.96. Would it be too much to ask for a $170 000 right in time for my birthday? Its now a the count down to August 27. Me and MA$E will be celebrating our birthday! :-)

And other last one.

My investment portfolio on date of August 12, 2016

Non registered Investments:
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.26
Bank of Nova Scotia (BNS): $7 679.70
Blue Note Mining Inc. (BLNMF): $0.01
Methanex Corporation (MX): $3 797.61
Fortis Inc. (FTS): $4 874.82
Pembina Pipeline Corporation (PPL): $19 275.46
Just Energy Group Inc. (JE): $6 365.60
Enbridge Income Fund Holdings Inc. (ENF): $11 437.74
Corby Distilleries Limited (CSW.A): $2 562
Davis + Henderson Corporation (DH): $6 614.18 
Premium Brands Holdings Corporation (PBH): $28 115.20
EnCana Corporation (ECA): $2 600.10
iShares S&P/TSX Capped REIT Index (XRE): $2 557.94
New Flyer Industries Inc. (NFI): $4 779
TMX Group Inc. (X): $484.80
K-Bro Linen Inc. (KBL): $4 320
Westshore Terminals Invest Corp (WTE): $4 047
WesternOne Inc. (WEQ): $28.50
Kinross Gold Corp (K): $1 017.74
TransCanada Corp (TRP): $1 549.50
Canadian National Railway Co (CNR): $7 362
Enbridge Inc. (ENB): $1 518.44 
Agrium Inc. (AGU): $3 053.96 
Canadian Utilities Limited (CU): $1 630.86
Black Diamond Group Ltd (BDI): $121.25
Emera Inc. (EMA): $1 211.50
Cineplex Inc. (CGX): $1 262.50
BCE Inc. (BCE): $1 389.96
Stella Jones Inc. (SJ): $930.20
Saputo Inc. (SAP): $1 724.40
Lassonde Inc. (LAS.A): $2 101.60
Loblaw Companies (L): $865.92
Morneau Shepell Inc. (MSI): $1 653.30
Royal Bank of Canada (RY): $3 204
Savaria Corporation (SIS): $2 628
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $1 980

TOTAL: $144 745.05

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 156.39
Cash: $74.87

TOTAL: $1 593.87 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $56.79
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $976.85
Sprott Inc. (SII): $2731.53

AltaGas Ltd (ALA): $1 026.30
CT Real Estate Investment Trust (CRT.UN): $1 529
Canadian National Railway Co (CNR): $3 272
Exchange Income Corporation (EIF): $7 665.70
Firm Capital Mortgage Investment Corporation (FC): $548.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $2 902.95
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 209.90
JFT Strategies Fund (JFS.UN): $1 839.50
Laurentian Bank of Canada (LB): $961.80
The North West Company Inc. (NWC): $1 511
Andrew Peller Limited/Andrew Peller Limitee Unlimited Class B Share (ADW.B): $1 680.60 
Barrick Gold Corporation (ABX): 
Canadian Imperial Bank Of Commerce (CM): $1 505.10
Hydro One Limited (H): $2 569.44
Toronto-Dominion Bank (TD): $1 142.20
Boyd Group Income Fund (BYD.UN): $2 446.20
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $ 2163
Keg Royalties Income Fund (The) (KEG.UN): $1 414.70
(DCM): $16.50
Cash: $201.48

TOTAL: $40 511.06

RSP investment portfolio: 
Emera Incorporated (EMA): $12 115
EnCana Corporation (ECA): $1 312.20
Toronto-Dominion Bank (TD): $1 713.30
Barrick Gold Corp (ABX): $1 409
Stella Jones Inc. (SJ): $4 651
Telus Corp (T): $2 183
Alimentation Couche-Tard Inc. Class B Subordinate Voting Shares (ATD.B): $480.08
Royal Bank of Canada (RY): $1 602
Savaria Corporation (SIS): $1 752
Thomson Reuters Corporation (TRI): $2 171.20
Park Lawn Corporation (PLC): $3 060
Richards Packaging Income Fund (RPI.UN): $813.45
Cash: $50.80                                                                   

CIBC Dividend Growth Fund: $731.10
CIBC Emerging Markets Index Fund: $478.10
CIBC Monthly Income Fund: $1327.62

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

GIC National Bank: $1 307.98

Manulife Fidelity NorthStar GIF CAP B: $1 213.69 
Manulife Simplicity Growth Portfolio: $1 230.82
Maritime Life CI Harbour Seg Fund: $1 185.98
Maritime Life Fidelity True North Seg Fund: $1 511.64
Manulife GIF MLIA B World Invest: $1 080.57

Other various: $7 530.42

TOTAL: 51990.7

Social Capital at Desjardins Membership share: $35
Pending online income: $102.44
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$238 978.12

My debt situation on date of August 12, 2016

$4 900 at 4% = $196 in annual interest

$66 299.16 at 4.25% = $28 17.71 in annual interest

Total of debt: $70 299.15

Total: $71 199.16

[In date of August 12, 2016]

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

Searching for US investments on Stockopedia

Surprise! In this super hot weather that I just can't stand anymore, it look like the TSX really want to hit on the 15 000 points after all! My non-registered portfolio close at... $145 490.79 and my TFSA, $40 718.13. I won't be posting any portfolio update. However trust me, I keep looking and browsing and from all angles, my portfolios look very good! Imagine, I even have left close to 30k in margin money! When the markets are up, I am in heaven. Today hot weather is what ruining everything.

My investment in Berkshire Hathaway Inc. (BRK.B) gain $25.53 - in US dollars please. Nothing much, but its still represent 2.21%. I am quite amaze by Keg Royalties Income Fund (The) (KEG.UN) which gain 12.27% - and I had been holding it only since June. SIS, BYD.UN are both doing very great. Richards Packaging Income Fund (RPI.UN) is about the only recent stock investment that is not going sky rocket high. I keep writing about this one, but Park Lawn Corporation (PLC) is also doing very great, up of 8.46% since July 14.

Now could be a good time to buy more US stocks. I know it must feel weird reading this, especially coming from a little girl who always said that she was going to get rich on Canadian stocks but hey, only fool don't change of idea right? And why is that? Canadian dollars gain a bit on US one. And, I had been secretly browsing US stocks for the past couple days, not as much as I would because I am dying in the heat, but yes, I had been browsing US stocks on Stockopedia!

So far, here're some quick observations:

US quality stocks pay very little in term of dividend. Its actually hard to find a quality US stock that pay at least 3% yield. Most of the stocks that pick my interest on first chart sight pay less than 3% in dividend yield - if not close to nothing!!! Absolutely terrible.

US market is SUPER rich of many many good, very expensive, quality stocks.

US quality stocks are very expensive.

I find many US companies being hard to understand what they are actually doing. Canadian market is more understandable. There's many US companies that are complex and out of reach.

Canadian stock market is very small compare to US one - very unfortunately.

As you know, Stockopedia offer a special ranking feature and the list of US stocks with a good ranking is quite very long!!!!!

I am not done with my search yet, but I will come back with a list of US stocks soon! I feel I currently have the best of what the Canadian stock market can offer me in my portfolio. That's why I begin to look down south.

Once again, upcoming contribution in kind for my TFSA

My latest investment - my first ever real US stock investment - in Berkshire Hathaway Inc. (BRK.B), had gain an encouraging $8.09 (got to start somewhere). My non-registered portfolio closed today session at $143 962.64 and my TFSA portfolio, at $41 123.13. I must be pretty close to the 170k net worth right now. Those are good results, but they were expecting since the TSX is now exceeding the 14 700 points. Can the TSX hit on the 15 000 points for my birthday on August 27? Why not!

I love when the TSX is all sky rocket high, no doubt about that, but this time, I am a bit confuse. I stop trying understanding the markets a long time ago. Simply because it exhausted me. It suck all of my energy. And it more than annoy me. Recently, its been announced that our unemployment rate in Canada raise to 6.9%. In July,  Canadian economy lost 31 200 jobs! Since that announcement had been made, the TSX just keep on going. Its so contrarian to what we should expect, clear of all common sense. With so many jobs lost in July, things are looking really bad - but what the heck, my portfolio is hitting on its highest value EVER. Go figure.

Maybe its the Olympic effect. I read that the stock markets use to mark points, just like our athletes during the Olympics Game. We have 3 Athena princess coming from New Brunswick who will compete at Rio: Genevieve Lalonde at the 3000-metre steeplechase (August 13 - it should be her lucky day, since August 13, I will be celebrating... my 10th anniversary as a blogger!!!), Catharine Pendrel at the mountain bike (August 20) and Mandy Bujold at boxing (August 12). Watch out for the Acadian ladies!

My non-registered portfolio of  $143 962.64 bring an unused margin of $27 648.14. And this is really great because I have left 14k in contribution room for my TFSA. Like usual, I am targeting some investments I hold in my non-registered to proceed with a contribution in kind for my TFSA. I am looking for stocks within the lowest capital gain. And currently, with a gain a $17.01, Morguard North American Residential Real Estate Investment Trust (MRG.UN), and a margin loan value of $504, MRG.U could be a good candidate. And also Savaria Corporation (SIS), Morneau Shepell Inc. (MSI) and Royal Bank of Canada (RY). Those stocks alone could bring a 9k+ TFSA contribution and take off a 5k on my margin loan value. It can be handle.

In my RRSP portfolio, Park Lawn Corporation (PLC) is a rocking star

The weather is very hot these days in Montreal - too hot for my taste. I had been hitting to the gym after work almost every day this week. At least, I exercise in the comfort of air conditioning. Better enjoy the heat anyway because the end of August is coming and so is my birthday! The count down continue until... August 27. Be ready.

My newest investment in Berkshire Hathaway Inc. (BRK.B) didn't grow yet, but I was happily surprise for another reason. My Morguard North American Residential Real Estate Investment Trust (MRG.UN) stocks finally went up. Just a bit, but maybe MRG.UN is going in the right direction. All of my recent investments are doing well. RPI.UN is down a little, but only of $13.29. Among my recent acquisitions, I highly recommend Park Lawn Corporation (PLC). PLC gain 6.4% since it hit on my RRSP portfolio. The activity sector of PLC is very particular, but I think its the fact that its so particular that make this red rose grow grow grow! I can only recommend Park Lawn Corporation (PLC) to anyone searching for their portfolio red rose.

When I came back from my vacation in New Brunswick, there's one thing I was craving for: a good expresso! I got my expresso, but after that, done over. I no longer buy my daily coffee on my way to work. I had been watching my expenses very carefully since I came back. To do so, I work with a cash envelop. My weekly allowance is of $125. That cash allowance doesn't include my rent ($650), my Internet ($45.34), cell phone ($40.24), gym membership ($14.38) or banking fee ($3.45). My allowance represent a $500 to cover all extra living expenses like grocery, a few expressos and other during the month. Its nothing much, but I still have a bit more than $100 left to finish the week. This is really helping me to control my budget. Fact is, the less you spend, the less you want to spend.

As you can imagine, as my birthday coming, all the money save during this month is probably going to fly away over some clothes, make-up, wine and... a cigar??? lol And maybe, a new investment. I need good luck with that.

Welcome in my US portfolio Berkshire Hathaway Inc. (BRK.B)

I had sold my Sprott Physical Silver Trust ET (PSLV) units, as you know, and the sell felt like a real  release. The sell left over a little sum of money in US dollars. I wanted to invest that money, but I have no idea what to invest in, so many choices! Well, the stock was pick easily when I read that Warren Buffett was offering to share his tax returns along with Trump's. I wish that will happen soon. I don't care much about the tax returns of Donald Trump, but I am very curious about Warren Buffett!

And this is how, like magic, that my very first exclusively USA stock investment idea came to me. I was going to invest in the company of the Oracle of Omaha himself! Today, I invested in Berkshire Hathaway Inc. (BRK.B). I would had preferred to invest in BRK.A, but one stock alone of that one currently worth $215 300!!!!!!

It doesn't look like Berkshire Hathaway Inc. (BRK.B) pay any dividend and I was only able to purchase a few stocks today. If I am lucky, maybe one day that investment I made today will worth $215 300! I guess that the best way to get a tiny bit of the best of Warren Buffett is to invest in
Berkshire Hathaway Inc. (BRK.B).

I started using Stockopedia a little while ago. Its an amazing tool that have a lot to offer. I wrote about it in previous posts. One of Stockopedia coolest feature is the Buffettology-esque Historical Growth Screen. For the Canadian stock market, ONLY 5 stocks come out, and I own 3 of them in my portfolio. I never heard of the 2 other stocks, and they are not really catching my interest. Want to know which 5 stocks are making it in the Buffettology-esque Historical Growth Screen? To find out, try the free trial of Stockopedia.

In other words, for now, I am still browsing to search for my next Canadian everything.

Finally saying goodbye to Sprott Physical Silver Trust ET (PSLV)

I did a major portfolio cleanup job back on June, on Saint-Jean-Baptiste Day and I was very pleased. I finally got rid of CPG and a few other junk stocks that I could no longer stand having in my life. And now, my investment portfolio just feel like its better than it never been before. But there's still a few disturbing items in there that just seem like its keeping me behind. Its my last month as a 35 years old, so I am better move fast before I get... any older?!??!! August 27 is the date!! By the way, anyone would like to be my honey dip for my birthday? Really anyone! PLEASE.

For now, I have other concerns.

This is my new favorite YouTube song that I keep listening on and on and on.

My portfolio is a collection of variety of stocks that I pick for different reasons. But they all have this thing in common: I invested each and single of them because I truly believe I was making the right move. After all, its my money that I invest, not the money of the neighborhood! But I sometimes fail. Overtime, failures had made it possible to pop up the 164k net worth. When you lose money, you learn quickly.

For me, gold and silver investment is mostly behind me. I probably never again invest in silver. I still carry on stuff from my lucrative quick buying-and-selling silver units, an investment I was stock with because it lost value - and it never went back like it used to be and probably never will. That investment from very dark days is: Sprott Physical Silver Trust ET (PSLV). PSLV is in US dollars.I had lost $1 842 so far on PSLV.  Currently, my investment worth $1 232.45 (in US dollars). 

Its very sad for me, but I am not going no where with Sprott Physical Silver Trust ET (PSLV). I cannot continue holding to it. I could reinvested the money in a killer US stock and maybe one day recover form the loss. I will very soon sell off my units of Sprott Physical Silver Trust ET (PSLV) because I am very, extremely tired of having it in my portfolio.

Another problematic stock is EnCana Corporation (ECA). I bought ECA for both my non-registered and RRSP portfolio years ago. And I massively lost money on that one. For this one, my mind is not clear. Does ECA have any chance of recovery? I lost $3 913.27on ECA alone in my non-registered portfolio, and $2 225.24 in my RRSP. I guess you understand the disgust feeling I have while looking at it. To sell or not to sell, that is the question. In Stockopedia, ECA ranking is quite low. ECA is from their Earnings Downgrade Momentum Screen. I could worth to hold and see. But I am tired of waiting on this one. Still no decision made.

Another stock that is causing me vomiting no matter how much I admire the founder: Just Energy Group Inc. (JE). I lost $4 496.09 on that one. Sell or hold? Surprise: ranking on Stockopedia is good. But still no decision made.

Is about all of the most disturbing elements that I unfortunately have in my portfolio. For PSLV, my choice is made, but for the others, I still don't know.

For the first time in history, the Dividend Girl is welcoming a net worth of $164 403.10

I was curious to update my portfolio and see what the final numbers were looking like. I was hoping for a 168k net worth, but at $165 403.10, I am a little bit lower than estimated. At least, I am at mi highest net value ever. Will I be able to hit on the 170k mark in time for my 36 birthday? And a 200k by the end of the year? We'll have to be patient and see.

165k is not a lot in term of net worth for a 36 years old, but at least, I am trying. Only 4 years ahead before I hit the big forty. And at that time, I would like to be sitting on a $300 000 net worth. Its possible, but the stock market will be on my side.

I have a rough night, I didn't sleep very well and I was up on my feet at.. 7:30! So my morning was busy updating my portfolio. I went saw Jason Bourne with Matt Damon yesterday it may what disturbed my beauty sleep. Like always, Matt Damon is delivering a strong performance. I love every movies he's in.

I have to say that I cheat on my net worth. Its currently of $164 403.10. Next week is pay day, I will have a $1 000 to put down on my credit line. That's not really cheating, isn't?

All of my new stocks pick had made by using Stockopedia had done very well - at the exception of Morguard North American Residential Real Estate Investment Trust (MRG.UN). I am especially marvelously impress by Park Lawn Corporation (PLC). It find it place inside my RRSP. And I am currently thinking about selling MRG.UN and replace it by PLC.

My debt situation on date of July 29, 2016

$3 500 at a low interest rate of 4% (credit line rate) = $140 in annual interest

$66 799.15  at 4.25% (margin money coming from my broker account) = 

$2 838.97 in annual interest

Total of debt: $70 299.15

 

[In date of July 29, 2016]

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