Crazy cool sexy dividend investment: what you should really be aware of

Today, my non-registered portfolio close the session at $190 705.54, my TFSA portfolio at $62 413.80 and my RRSP portfolio, at $37 374.78. I am currently under the impression that my net worth might be around $216 000 right now. My latest investment, Aecon Group Inc. (ARE), is stable. CAE Inc. (CAE) remains in the good profit zone for now, which hasn't been the case. WSP Global Inc. (WSP) is doing super great right now, and so many others of my stock.

My dividend income, at $714.27 (excluding RRSP dividend distribution, like always), is quite nice, but of course, I just want to see that amount increased. I am in no rush, and it's important to stay away from funds or stocks that pay an excessive high dividend. I always like to search for new stocks. The excitement comes from the fact that you never know what you can find, and the dream of hitting my next everything is a thrill I can't ever enough of, even after all those years.

In my very eternal search for new dividend stocks, I am doing it the easy way: I am checking on Susan Brunner blogs. First, on this one. I got to know Waste Connections Inc. (WCN). Nice, but WCN is super expensive and pays very little in dividend, but worth the interest. It's not because a stock pays very little in dividend that it doesn't deserve a place in your portfolio. 

The financial sector is really generous in term of dividend distribution. However, you have to be careful and a good portfolio is a diversified one in different companies, but also in different sectors. So the taste for dividend can also be your worst enemy. If you wonder if your portfolio is well diversified enough, you'll like Stockopedia. They have a Folio - UK English word for Portfolio maybe??? - section, where you can recreate the holdings you have in your broker account, and you can see how much, in %, you have in the financial sector and all other sectors on the TSX. I am not exactly up to date on that matter, but my biggest sector is Consumer Defensives, at 18.75%. Otherwise, I am pretty well diversified because as you know, I love everything, I love my stocks and I want EVERYTHING.

I catch this stock on Susan Brunner blog, Granite REIT (GRT.UN). GRT.UN looks interesting and pay a dividend of 5.143%. Nice! But oh, wait! I already hold enough of REIT stocks in my portfolio, and I am already enough exposed to the financial sector. So GRT.UN is a no-no for me. At least not now. For now, I just don't know exactly what I want. It's not just because I am lazy. It's just a matter of not knowing.

Do you see now how difficult it can be to find new stocks to invest in? Especially in case. The best of the best, I have many of those very good quality stocks in my portfolio and it's for that reason that.. .are ready for this? I don't think so, but ready or not, you'll have to take it because I am going to hit it right in your face NOW: since October 2017, for the past 12 months, my broker statement is giving me a return of 46.19%, for the past 3 years 22.54%, and since 2012, 19.32%.

More than dividend, investing in quality stocks will bring capital gains for the long run. Dividend income must be seen as a little bonus that you get as extra cash. While investing, dividend shouldn't be your main focus. Good quality stocks will support the value of your portfolio during downtime.

Just don't tell everyone yet, but I feel I might come to the point where I feel that I hold on to the best of the best of the TSX on my portfolio and I doubt I can do better than what I have done so far. I can push baby, don't get me wrong, but barely anymore. I just cannot do better and it's strange to be just in front of the screen, trying to pick another hot stock and just be in the waiting.

I would like to have everything it needs to just keep money in the bank for a while before the stock market collapse. My biggest concern at this time is not having enough cash, and I am a bit obsessed because I wonder if the markets can remain on the high like this for a very long time. The unknown is a stress that investors have to deal with.

From now on, after reading my every word, you'll always be the best investor you can be. I wish you the same and beef up on those capital gains, dividend is only coffee money.

The art of to be or not to be a dumb-bumb Quebecker

Today is an exciting election night in Quebec province for municipal elections. I am in Montreal, I had voted for Valérie Plante, but we'll see who's winning later on tonight. So far, Valérie Plante wins, with 51%. For once, I think I could be impressed by those Quebeckers. I am an outsider, I am not a homeowner, I don't have a family of my own. I am not an active member of Montreal society, but I did vote. Fact that Valérie Plante or Denis Coderre win the election will have a poor  incidence on my life. But for those who are homeowners and pay big taxes big times in Montreal, those are the ones that should be voting. However, it's about only 31% of the Montreal citizens that had voted in this municipal election. And that's quite dumb because houses are expensive in Montreal, and taxes are quite something too, and the public transportation is far from being efficient. There're much homeless and people suffering from poverty in Montreal. 

 

When it comes to the very social side of Montreal, Denis Coderre hasn't done enough for the citizens and that's why I didn't vote for him. He's acclaim among his "business friends"  Sephen Bronfman, Pierre Boivin, Eric Boyko, Mitch Garber and Bertrand Cesvet, but richness is no sign of intelligence. Actually, none of those businessmen really care about Montreal citizens. They don't care about the poor quality rental properties in Montreal. They are not the one who used the crack pack Montreal subways and bus in the morning. One reason why Mitch Garber is buddy-buddy with Denis Coderre is that he wants baseball back in Montreal and he wants to be involved in the deal.n the other hands, Valérie Plante had the intelligence to question the necessity of having baseball back in Montreal. All the money could be put to good used for the citizens.

And oh surprise, Sephen Bronfman is directly linked to an offshore trust in the Cayman Islands... Just another dirty rich Quebec man who should be sentenced to a lifetime prison sentence.

It looks like I won my elections. Its now 21:25 pm and its been officially announced, Valérie Plante is now the mayor of Montreal.

Newest high for my non-registered portfolio: $190 851.41

My non-registered portfolio close today session at $190 851.41, my TFSA at $61 751.39 and my RRSP, at $37 471.94. It looks like that investment portfolio of mine won't ever stop growing. Its just going to be super hard when a stock correction will happen, for whatever reason. And it will happen, you always need to be ready for that eventuality. Any gains help to protect my portfolio from any upcoming corrections.

My portfolio just keeps growing. In date of September 2017, my broker account gave me a 39.27% return for the past 12 months. October had been a fabulous month so I can't wait to see what will be the return on my next statement. While I am doing fabulously well, Jean-François Tardif JFT Strategies Fund (JFS.UN) close today session at $13.80. And that being now, with a TSX at a very great 16 029.33 points. The strangest things ever being that JFS.UN highest value for the past 52 weeks had been of $15.05. Why that now that the TSX is higher than ever, why is JFS.UN is now at $13.80 per unit. Why is JFS.UN is not now exceeding its highest value in the past 52 weeks? It's for a simple and good reason: Jean-François Tardif is no longer the TSX rocking star that he used to be and its a real big disappointment. So far in 2017, JFT Strategies Fund (JFS.UN) had underperformed the S&P TSX by 12.96%. Is this really a surprise? Quebeckers being the incompetents that we all know, Jean-François Tardif is no exception to the rule. Tardif is a pure incompetent.

One sad thing about this is that some poor investors had put some of their valuable money in the hands of Jean-François Tardif. And like a pure gangster, Tardif is charging 1.5% management fees on that fund. Anyone who's investing in JFS.UN right now is losing big time for several reasons:

-JFS.UN management fee is 1.5% - which is being deducted, that the fund perform well or not, it doesn't matter, the man is getting paid anyway!

-JFS.UN doesn't pay any dividend distribution.

-By investing in JFS.UN, you don't allow your capital to grow as much as it can be.

I was invested in JFT Strategies Fund (JFS.UN) long way before, but I finished selling because I wasn't satisfied with the returns. I had received a comment from a reader a little way back, asking me what he should do with his investment in JFT Strategies Fund (JFS.UN). At the time, I advise that he should hold the investment, but now, after seeing JFS.UN not growing stronger after having a TSX exceeding the 16 000 points, I mean, the poor Tardif is a dead manager.

Right now, I would advise anyone who has JFS.UN shares in his portfolio to sell and reinvest the money in Toromont Industries Ltd (TIH). And one thing to remember: play it safe like with a wild lover because you never know when a stock correction will hit you over with a baseball bat. So better play safe.

Another historic day on the markets: the TSX closed the session at 16 025.59 points!

I just can't believe, we already in November tomorrow, another month passing by mean, among other things, another rent payment . Right now, I am a princess, and my castle is the TSX. Today mark another historic day on the Canadian stock market: the TSX closed the session at 16 025.59 points. In result of those fantastic points, my non-registered portfolio closed today session at $190 037.30. Its the first time EVER that my non-registered portfolio reach the 190k mark. My RRSP portfolio closed today session at $37 700.60, and my TFSA portfolio, at $61 591.74.

Colliers International Group Inc. (CIGI) closed today session by gaining 7.92%. Its a stock that been on my watch list since a little while. Its currently the single and only stock on my watch list, because I usually invest quickly in stock that have an interest, and I certainly should have invested in CIGI. This is what I like to explain as the "Dividend Girl effect". The Dividend Girl effect is when me, a so call Dividend Girl, write about a stock, or announced a new investment recently made, and following what, the stock gains in value. 

Its important to always have new stocks on the radar because you never know when you'll discover your best new phenomenal stocks that will lead to only success and money.

I just learned the weirdest thing ever over the news: René Lévesque was born in Campbelton, New Brunswick! The man who shit on Canada for decades and who founded the Partie Québecois was born in my province! Unbelievable. René Lévesque was nothing more than a man of poor integrity who disrespect Canada. Anyone trying to divide my country is what the Catalonia is to Spain: complete bastard idiots who are nothing more than poor rats and second class citizens. We should never forget what Quebec did to us and what the Partie Québécois and Québec Solidaire still are on the go of doing. Recognize your enemies and fight them tot he end of times. I hope Spain will fight against Catalonia and may the nazi land perish.

This being said, I just add another stock to my watch list: COGECO Inc. (CGO).

For the first time in history, the TSX close the session in the 16 000 points!

CELEBRATIONS! I was hoping to see it happening by the end of the year, but it happen much sooner than expected and its super great. On this special day, the TSX closed the session at a very good 16 002.78 points. On this historic day, my non-registered portfolio close the session at $189 605, my TFSA portfolio at $61 562.09, and my RRSP portfolio (stocks only) at $37 811.81.

It look like nothing is going to stop this spectacular grow. Its a good time to be an investor.

Today, I vote Valérie Plante for Montreal mayor

I am not a Quebecker and I will never be, but fact is, I pay my taxes in Quebec province, my driver license is a Quebec one, and so is my medical care card, even if I don't have a family doctor and that I won't ever request health care, by lack of trust in everything that includes Quebeckers dealing with others. I am in Montreal by necessity, not by choice. It’s the first time ever that I vote in a Quebec elections. I decided to vote in this municipal elections because Denis Coderre is just too much of a showman clown. He doesn't act enough in favor of the citizens. There's a lot of dishonesty and arrogance in Denis Coderre leadership. It becomes so terribly disgusting that I, proud New Brunswicker, decided it was time to shake up things a little and go vote in this province that is not mine. I did it for Valérie Plante. I like her tone, her talk is not aggressive or arrogant, she's an intelligent woman, even if intelligent and Quebecker are two words that mismatch most of the time... I sincerely believe that Valérie Plante has everything it takes to be a good leader for Montreal.

When it comes to politic, transparency and honesty are important values for me. If a leader tries to hide information and don't clearly answer questions that are being asked, it's quite a problem. One of those big problems that keep going on and on is that Denis Coderre doesn't want to say how many tickets had been sold for the Formula E. Its an even that caused big trauma among business owners and citizens living in that downtown sector for several long weeks. It's something that voters need to keep in my mind. Montreal didn't need the Formula E. I went there, seeking around, and it was quite boring, and I didn't purchase a ticket to enter the site.

Also, there're many problems in Montreal. Public transportation needs major improvements. There's a lack of affordable housing. Many problems are not being addressed properly when it comes to clean up slums, not enough resources for the homeless. It's easy to do the showman and act like a CEO instead of a mayor. Denis Coderre is not the best for Montreal. The city needs someone who's willing to work for the citizens and resolved all the problems that Denis Coderre never took care of. Valérie Plante is a better choice and I voted for her today. 

Fact that I vote today is a little move to have a positive change made in Montreal so I can be a bit prouder to live in this city.

You may notice, I posted an update of my investment portfolio. And it seemed like a girl that I know now has a net worth of $212 633 and a few cents! And it was quite an exciting find because just by quickly looking at the numbers, I taught I was only at somewhere $207 000 in net worth. I never could imaging that I was going to hit on the 210k, an even exceeding, anytime soon. Now, its official, I am the Queen of the TSX, once for good, I am. Its quite good because I needed a cheer up love after selling ABX.

When I updated my investment portfolio, a few things catched me:

-My investment in Premium Brands Holdings Corporation (PBH) is almost at $50 000.

-I am now in the profit zone with CAE Inc. (CAE), WSP Global Inc. (WSP) and CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) - It took a long time to GIB.A to get to that point.

-My dividend income, excluding RRSP, is now at $8 571.24

-I am impress by the profit registered by Park Lawn Corporation (PLC). I found this stock on Stockopedia a while agao and ever since, PLC had been on the road for real good money.

If North Korean don't attack the US with a nuclear bom - or vice versa - I think I could be on 300k really soon and if it does, I promise you a surprise. In the meantime, I have no idea on what my next investment is going to be.

My debt situation on date of October 27, 2017

$103 778.63  at 4.25% (?) = to be confirmed...  in annual interest 

[In date of October 27, 2017]

*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 October 27, 2017

Non registered Investments:
Cold cash: $2 168.42
  
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.26
Bank of Nova Scotia (BNS): $9 860.34
Blue Note Mining Inc. (BLNMF): $0.05
Methanex Corporation (MX): $6 593.03
Fortis Inc. (FTS): $5 561.34
Pembina Pipeline Corporation (PPL): $25 055.84
Just Energy Group Inc. (JE): $6 797.16
Enbridge Income Fund Holdings Inc. (ENF): $11 081.77
Corby Distilleries Limited (CSW.A): $2 819.40
Premium Brands Holdings Corporation (PBH): $49 146.51
iShares S&P/TSX Capped REIT Index (XRE): $2 499.42
New Flyer Industries Inc. (NFI): $5 824.44
TMX Group Inc. (X): $542.88
K-Bro Linen Inc. (KBL): $3 876
WesternOne Inc. (WEQ): $15.30
TransCanada Corp (TRP): $1 527.50
Canadian National Railway Co (CNR): $9 379.80
Enbridge Inc. (ENB): $1 380.40
Agrium Inc. (AGU): $6 330.06
Canadian Utilities Limited (CU): $1 623.72
Black Diamond Group Ltd (BDI): $46.75
Emera Inc. (EMA): $1 223
BCE Inc. (BCE): $1 310.10
Saputo Inc. (SAP): $1 899.20
Lassonde Inc. (LAS.A): $2 438
Loblaw Companies (L): $810.96
Savaria Corporation (SIS): $7 991.30
Canadian Imperial Bank Of Commerce (CM): $3 398.10
ATCO Ltd. (ACO.Y): $2 772
CAE Inc. (CAE): $3 388.50
Dollarama Inc. (DOL): $2 151.90
Home Capital Group Inc. (HCG): $2 742
Jamieson Wellness Inc. (JWEL): $1 893
Northland Power Inc. (NPI): $2 440
WSP Global Inc. (WSP): $2 860
Aecon Group Inc. (ARE): $1 956

TOTAL: $189 236.03

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 508.72
Coca-Cola Company (The) (KO): $1 566.38
Cash: $55.37

TOTAL: $3 944.71 CAN     

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $60.39
Dumont Nickel Inc. (DNI): $25.83
RioCan Real Estate Investment Trust (REI.UN): $865.90
AltaGas Ltd (ALA): $868.80
CT Real Estate Investment Trust (CRT.UN): $1 416
Canadian National Railway Co (CNR): $4168.80
Exchange Income Corporation (EIF): $33.45
Firm Capital Mortgage Investment Corporation (FC): $504.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 666.91
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 316.10
Laurentian Bank of Canada (LB): $1 203.20
The North West Company Inc. (NWC): $1 575
Andrew Peller Limited (ADW.A): $2 099.50
Canadian Imperial Bank Of Commerce (CM): $9 627.95
Hydro One Limited (H): $2 266.44
Toronto-Dominion Bank (TD): $1 455.40
Boyd Group Income Fund (BYD.UN): $2 867.70
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 416.40
Keg Royalties Income Fund (The) (KEG.UN): $1 407
Data Communications Mgmt (DCM): $8.82
Westshore Terminals Invest Corp (WTE):
Morneau Shepell Inc. (MSI): $1 908
Royal Bank of Canada (RY): $4 046.80
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 341.50
Parkland Fuel Corp (PKI): $1 647.36
Park Lawn Corporation (PLC): $1 191
Toromont Industries Ltd (TIH): $2 245.20
National Bank of Canada (NA): $2 496.80  
BCE Inc. (BCE): $535.95
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 550.50
Pure Industrial Real Estate Trust (AAR.UN): $1 344
Sienna Senior Living Inc. (SIA): $1 439.20
Boralex Inc. Class A Shares (BLX): $919.60
Cash: $61.98

TOTAL: $61 581.88

RSP investment portfolio:
Emera Incorporated (EMA): $12 914.88
EnCana Corporation (ECA): $1 558.44
Toronto-Dominion Bank (TD): $2 183.10
Telus Corp (T): $2 334
Alimentation Couche-Tard Inc. (ATD.B): $482.48
Royal Bank of Canada (RY): $2 023.40
Savaria Corporation (SIS): $3 171.40
Thomson Reuters Corporation (TRI): $2 412
Park Lawn Corporation (PLC): $3 970
Richards Packaging Income Fund (RPI.UN): $960.96
Toromont Industries Ltd (TIH): $392.91
CAE Inc. (CAE): $1 581.30
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 406.60
Boralex Inc. Class A Shares (BLX): $1 149.50
Cash: $84.54

Total: $37 625.51                                  

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 818.26                          

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

GIC National Bank: $1 320.27                          

Manulife Fidelity NorthStar GIF CAP B: $1 561.87
Manulife Simplicity Growth Portfolio: $1 350.80
Maritime Life CI Harbour Seg Fund: $1 234.88
Maritime Life Fidelity True North Seg Fund: 1 258.91
Manulife GIF MLIA B World Invest: $1 205.51
Total: $6 611.97

Other various: $1 451.71 + $2 681.71 + $5 797.95 = $9 931.37

TOTAL: $59 387.13

Social Capital at Desjardins Membership share: $35
Pending online income: $58.85
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$316 412.02

Welcome in my investment portfolio Boralex Inc. (BLX) and Aecon Group Inc. (ARE)!

I made the easy decision to sell off my stocks of Barrick Gold Corporation (ABX), and not only because of today loses, but it was a mix of things, poor dividend, no chances to catch up in capital gains. To resume quickly, I was going absolutely nowhere with ABX and at a point, business is business, so good-bye love. Adios. Done. Over. End of the story. BYE BYE.

Mines, and everything related to gold and silver, those kind of stocks are just really difficult to hold on to. You can take for another example Novo Resources Corp. (NVO). Just today, NVO lost 2.82%. In a dividend portfolio, while trying to hold on to some quality stocks, the whole mining sector is, in my opinion, to be avoided. Anyway, Novo Resources Corp. (NVO) doesn't pay any dividend and its being held on to by the devil itself, Eric Sprott who's retired, but still playing on the market because the old man is just very sick. No thanks, I don't want any NVO shares in my portfolio, but I do know what I want. 

And today, I wanted some Boralex Inc. (BLX) and.. watch out... also Aecon Group Inc. (ARE). I know, I never mention ARE on this blog before - and it's for a good reason: I just didn't know that ARE even existed, until today.

What I am so desperately in need of are reliable companies that make good money and pay a dividend. Easy say, but not easily done. I know how difficult it can be for small investors to be invested in stocks, and on how hard it can be to be confronted with choices. But among the way, decisions are getting easier and easier to make. The market stress remains, however, but in a different way, maybe more in somewhat relax way. The stock market is unpredictable and nothing should ever be taken for granted. I am looking quite fine and good with a TSX so closed now to the 16 000 points. I had been waiting for a really long time for the TSX to hit the magic number and it seems like its going to happen it could happen in 2017, in the same year that I reached 200k in net worth. And if it doesn't, it won't really matter. And it shouldn't really matter that you reach your money goals or not because, at the end of your life, you'll die no matter what. Money can't buy eternity. I am happy just way things are right now for my portfolio. I just now dealing with a personal problem of my own that I can't control. I just want some more stocks, I want my portfolio to grow more and I want more dividend sexy juice. I just want more and my search for new stocks could only get broken by the end of my life. Just don't tell no one, but I have addictions of my own. It seems I can't just stop investing and I don't see how I can eventually get that margin paid off. Sincerely, paying down my margin never been a priority, I am much more excited and very alive when I invest in a new stock. 

Today, I sell all of my ABX shares, and to replace it, I invested in Boralex Inc. (BLX) in both my TFSA and RRSP portfolio. I couldn't help but notice Aecon Group Inc. (ARE). ARE is soon going to be acquired by a China company, which had promised $20.37 per share for ARE. It was too exciting to miss, so I place a quiet little move inside my non-registered portfolio at $19.59 per share. My upcoming paycheck should help to partly cover that new investment, but not at all, unfortunately, since rent needs to be paid... Already November in a few days.

In results of all those all good moves, of course, my non-registered portfolio closed today session at $188 133, my TFSA at $61 481.49 and my RRSP (stocks only), at $37 512.96.

Now, let's go Boralex Inc. (BLX) and Aecon Group Inc. (ARE), show be what you got and be my latest proud.

Does time have come to say goodbye to Barrick Gold Corporation (ABX)?

Too bad, the TSX didn't gain any new points today, but I knew I wasn't going to deal with a 16 000 points by the end of the week, even if it was looking so... However today loss are not enormous, only -0.32%. A little volatility is part of the game. Sooner or later, the TSX will be hitting on the 16 000 points and on that special day, I will be happy, and probably that I will also be richer than ever before.

In the meantime, 16 000 point or not, my non-registered portfolio is shining a star at $185 791.65 and my TFSA is at $61 470.21. And I kind of get a nice gift of my own while going to the grocery store and being asked if I was a student... And without knowing, the cashier had just made my day. At 37 years old - like I am, is not that old, but its not that young either, its like a middle stage where you are just getting ahead to get older and are just about to lose my youth. I began investing in stock shortly before the 2008 stock crash and going through - among other - such painful experiences, it could be easy to think that your favorite Dividend Girl look double, tripple her age, but its not the case. I think the more painful your life is, the youngest you get to look while getting older. It could be.

I don't exactly understand the situation that Barrick Gold Corporation (ABX) is on right now. Everything is obviously not working as plan for this company. Add this to ABX poor dividend distribution... Everything is screaming in direction of a sell off. And it could be what I chose to do. And maybe reinvest in the so wanted Boralex Inc. (BLX) and following that, time may had come to look forward to pay down my margin.

But its obvious, you might had understand by now. I cannot make too long without investing and a life with no new sexy stocks is a crazy boring life.