My debt situation on date of April 20, 2018

Margin account: $103 161.38 @ 5%
Annual interest: $5 158.069

My investment portfolio on date of April 20, 2018

Non registered Investments:

Cold cash: $4 209.59

Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.20
Bank of Nova Scotia (BNS): $9 300.06
Blue Note Mining Inc. (BLNMF): $0.51
Methanex Corporation (MX): $8 762.21
Fortis Inc. (FTS): $5 100
Pembina Pipeline Corporation (PPL): $25 031.36
Enbridge Income Fund Holdings Inc. (ENF): $10 846.56
Corby Distilleries Limited (CSW.A): $2 567.10
Premium Brands Holdings Corporation (PBH): $56 760.21
iShares S&P/TSX Capped REIT Index (XRE): $2 561.02
New Flyer Industries Inc. (NFI): $6 343.92
TMX Group Inc. (X): $620
K-Bro Linen Inc. (KBL): $3 538
WesternOne Inc. (WEQ): $13.80
TransCanada Corp (TRP): $1 382.75
Canadian National Railway Co (CNR): $8 658.90
Enbridge Inc. (ENB): $1 113.56
Nutrien Ltd. (NTR): $6 082.26
Canadian Utilities Limited (CU): $1 464.54
Black Diamond Group Ltd (BDI): $62.75
Emera Inc. (EMA): $1 006.75
BCE Inc. (BCE): $1 175.90
Saputo Inc. (SAP): $1 641.60
Lassonde Inc. (LAS.A): $2 570
Loblaw Companies (L): $785.40
Savaria Corporation (SIS): $8 515.57
Canadian Imperial Bank Of Commerce (CM): $3 310.50
ATCO Ltd. (ACO.Y): $2 485.80
Jamieson Wellness Inc. (JWEL): $2 290
Northland Power Inc. (NPI): $2 295
WSP Global Inc. (WSP): $3 188.50
Aecon Group Inc. (ARE): $1 819
BMO Bank of Montreal (BMO): $1 911.40
National Bank of Canada (NA): $2 961.50
Aphria Inc. (APH): $2 120
Canadian Real Estate Investment Trust (REF.UN): $3 033

TOTAL: $191 319.63

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 601.04
General Mills Inc. (GIS): $1 389.12
Cash: $56.69

TOTAL: 3 046.85 US : $3 838.12 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $52.50
Dumont Nickel Inc. (DNI): $24.40
RioCan Real Estate Investment Trust (REI.UN): $815.50
AltaGas Ltd (ALA): $763.50
CT Real Estate Investment Trust (CRT.UN): $1 330
Canadian National Railway Co (CNR): $3 848.40
Exchange Income Corporation (EIF): $31.76
Firm Capital Mortgage Investment Corporation (FC): $516
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 525.54
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 171.80
The North West Company Inc. (NWC): $1 377
Andrew Peller Limited (ADW.A): $3 100.80
Canadian Imperial Bank Of Commerce (CM): $9 379.75
Hydro One Limited (H): $2 111.40
Toronto-Dominion Bank (TD): $1 403.80
Boyd Group Income Fund (BYD.UN): $3 291.60
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 651.60
Data Communications Mgmt (DCM): $10.50
Morneau Shepell Inc. (MSI): $2 277.90
Royal Bank of Canada (RY): $3 891.20
Parkland Fuel Corp (PKI): $1 863.68
Park Lawn Corporation (PLC): $1 495.20
Toromont Industries Ltd (TIH): $2 230.80
National Bank of Canada (NA): $2 369.20
BCE Inc. (BCE): $481.05
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 810
Pure Industrial Real Estate Trust (AAR.UN): $1 614
Sienna Senior Living Inc. (SIA): $1 424.80
Boralex Inc. Class A Shares (BLX): $910.40
Richelieu Hardware Ltd. (RCH): $1 277.42
Savaria Corporation (SIS): $1 171.10
Enbridge Inc. (ENB): $835.17
Cash: $2 272.31

TOTAL: $63 330.08

RSP investment portfolio:
Emera Incorporated (EMA): $10 872.90
EnCana Corporation (ECA): $1 752.84
Toronto-Dominion Bank (TD): $2 105.70
Telus Corp (T): $2 254.50
Royal Bank of Canada (RY): $1 945.60
Savaria Corporation (SIS): $3 379.46
Thomson Reuters Corporation (TRI): $2 023.20
Park Lawn Corporation (PLC): $4 984
Richards Packaging Income Fund (RPI.UN): $1 065.90
Toromont Industries Ltd (TIH): $390.39
CAE Inc. (CAE): $1 731.80
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): 2 579.50
Boralex Inc. Class A Shares (BLX): $1 138
Quebecor Inc. (QBR.B): $600
Cash: $296.73

Total: $37 120.52                         

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 817.31                   

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

GIC National Bank: $1 326.27                       

Manulife Fidelity NorthStar GIF CAP B: $1 246.52
Manulife Simplicity Growth Portfolio: $1 357.16
Maritime Life CI Harbour Seg Fund: $1 202.28
Maritime Life Fidelity True North Seg Fund: $1 526.79
Manulife GIF MLIA B World Invest: $1 248.22
Total: $6 580.97

Other various: $10 714.27

TOTAL: $59 639.09

Social Capital at Desjardins Membership share: $35
Pending online income: $17.56
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$322 389.07

Again today, my non-registered portfolio closed the session at its HIGHEST VALUE EVER: $192 923.55

Today, I wake up with a bad hair day and I decided it was time to get a haircut. I had one just less than 3 months ago, which is sad, but in my case, with my naturally curly hair, I really had stretched it until I couldn't stand myself. I try to extend the moment I get a haircut to the maximum to help my budget breathe a bit, but from now on, I am going to stop that stupid game. It feels so much better with a fresh haircut, you should try it! In my case, once every 2 months is not even a luxury. I just need to keep cutting on other stuff just the way I had gone it since the beginning of the year. 

I am now basically back to my old self of the year 2007, when I was just starting this blog and was working really hard to save everything I possibly could to invest my hard earned money. With regular paycheques coming in and with a net worth exceeding the 200k since last year, I would have been too easy to lose it up a little. I am even trying to sell a few things on Kijiji. I haven't been successful with my latest items so far even if I am selling nice stuff at good price. It helps to remind me not to buy any new purses or new clothes, because I am not in need of anything.

It was an amazing day on the TSX today. It seems like the stock market heard my wish: to have a TSX back on its old 15 600 points value. We are not there yet, but at now 15 529.97 points, we are pretty close and its feeling quite good to get what I want. I taught I was doing very great yesterday, with a non-registered of $191 720.21. Well, a $192 923.55 sound better isn't? For the third day in a row back to back, my non-registered keep exceeding its highest value ever.

Again, my non-registered portfolio closed today session at its highest value ever: $191 720.21

Yesterday, my non-registered portfolio closed at $191 569.57, and today mark another little jump forward at $191 720.21.

I cam with a few interesting stocks today:

CGY
CIGI
CYB
SEC
GCG
LGT.B

Longer post tomorrow.

My non-registered portfolio closed today at its highest value ever: $191 569.57

A lot of things happen today to make that happen. Real soon, Premium Brands Holdings Corporation (PBH): will exceed the 60k value inside my non-registered portfolio. My APH stocks had gone down since I bought them, but today Aphria Inc. (APH) gains 7.37% on the TSX. I am confident that APH will gain again in value. I loved this stock right from the start, but APH is not an easy stock to hold, its title is super volatile and it's not the type of stock that I usually like to hold. If only my Nutrien Ltd (NTR) could finally start to perform well just like my old Agrium shares, I would be in heaven. While having a TSX under the 15 600 points, I never taught that I could possibly exceed the 190k value anytime soon.

Park Lawn Corporation (PLC) is probably one of the best stock that I had found using Stockopedia. Only for that one single stock, I will be eternally grateful for the magical finding. I am a good stock picker after all. And it has nothing to do with how much you know or not about finance. For me, its all about in deep common sense and when a stock light me up like PBH did to me ages ago, and more recently PLC, well that's a watch out baby. I will sometimes fail, but I am rarely on the wrong track.

PLC closed today session on a trading halt. A trading halt is the strangest thing ever. While all the other stocks on the TSX trade actively, a trading halt on a stock make it impossible to sell or buy it on the market. Today, Park Lawn Corporation (PLC) made a great announcement. PLC is looking forward to acquiring The Signature Group and Citadel Management. Those two acquisitions will help PLC to expense in the US territory. Quite great news. I never expected to be involved in the funeral industry, but its a business, like any other. And Park Lawn Corporation (PLC) is no different than Premium Brands Holdings Corporation (PBH). Both are super great stocks.

I am not sure if Brookfield Renewable Energy Partners L.P. (BEP.UN) belong in my portfolio anymore

The weather is turning really ugly in Montreal and its probably going to be worst tomorrow morning. I am just glad I can work from home. This past Friday session, my non-registered portfolio closed the session at a very good $189 723.58. My TSFA portfolio closed at $63 010.48, my US portfolio closed at $3 066.61 US and my RRSP portfolio closed at $37 088.64. This is quite good knowing that the TSX closed its session at a low 15 273.97 points. I would like to see the TSX at its old 15 600 value. But what I wouldn't like to see is a TSX under the 15 000 points... These days, nothing is easy and I am doing my best to protect my capital.

Like always, my Premium Brands Holdings Corporation (PBH) investment has a positive effect. My PBH investment is now exceeding the $55 000 value. I am like a little mermaid desperately trying to stay alive in an ocean of storm... And while doing so, my PBH is my rock and is pushing me all the way to the top. There's just nothing you can do about it so stay calm.

Last week, I decided to sell my Morguard North American Residential Real Estate Investment Trust (MRG.UN) shares. That left me over 2k to invest inside my TFSA portfolio. I was also thinking about selling my investment in The North West Company Inc. (NWC), but I didn't proceed with the move yet. It cost me like always to sell any of my babies, but they are only stocks, and I am the mermaid.

 

But currently, more than NWC, I am much more concern about my investment in Brookfield Renewable Energy Partners L.P. (BEP.UN). Things are not looking well for BEP.UN. If I sell Monday, I would make a tiny profit of... about $7 following commission fee. If I can sell BEP.UN at a profit, even tiny small on Monday morning, I will do so.... And I am still thinking about selling away The North West Company Inc. (NWC).

All of those selling inside my TFSA portfolio will leave me with a couple thousand. I am thinking about investing a part of that newfound money in a stock that I also hold inside my RRSP: CGI Group Inc. Class A Subordinate Voting Shares (GIB.A). CGI Group Inc. took it time to gain in value inside my RRSP portfolio, but it's not a bad stock to hold to for the long run. CGI doesn't pay a dividend, unfortunately.

Seem like even really smart girls can't have it all.

In the meantime, one of my newest investment, Canadian Real Estate Investment Trust (REF.UN) is going quite well inside my non-registered portfolio, it registered a gain of 2.54%. It's a real an ego booster to have one of my latest investment performing well in the stock market. Because as you might know, the TSX is not an easy place to be right now.

Inside my TFSA portfolio, another recent investment, Enbridge Inc. (ENB, is now on a 3.44% gains. If I can just continue being so real smart, I should get on the 230k net worth quickly, but I desperately need a TSX in the 15 500 points. Without a TSX in good shape, I am almost nothing.

For once in a really long time, I now have over $4 000 in my banking account. And I have the feeling that this time, the money will stay straight there since I have some money available inside my TFSA to satisfy my thirst for new investments.

I almost have it all after all.

Saying good-bye to Morguard North American Residential Real Estate Investment Trust (MRG.UN)

My non-registered portfolio closed today session at a $186 881.02, my TFSA at $63 410.25 and my RRSP (stocks only), at $37 366.11. I made the decision to sell all of the Morguard North American Residential Real Estate Investment Trust (MRG.UN) stocks that I was holding inside my TFSA portfolio. It wasn't a very difficult decision to make. And nothing retain me to get back in MRG.UN later on. Right now, I don't want to lose any money and MRG.UN had been on the low side for the past year. Luckily, I had been able to make a little profit of $153 by selling MRG.UN today.

Again inside my TFSA, I am thinking about selling my The North West Company Inc. (NWC).

And eventually, I could sell also those two, form my TFSA:

 National Bank of Canada (NA), and Canadian Imperial Bank Of Commerce (CM) stocks. 

Currently, my margin debt is at a fat $103 012.38. I don't dislike the idea of paying down that margin debt and get on a fresh start. 

There are a few stocks that I hold inside my non-registered portfolio and that I could easily sell:

ENF, PPL, TRP. I have no real attachment towards those oil stocks. I could also easily sell my ENB shares.

By selling those investments and by putting down my saving for the next 8 months, I could reduce my margin usage to around $30 000. I like to come with scenarios like this one. Its always good to have options on the table.

However, this year so far, my non-registered portfolio registered at 15.01% gain, and since 2012, I am on an 18.51% gain. Knowing that, it would be foolish to sell any of my valuable stocks only to pay down my margin. One thing for sure, I shouldn't go higher on my margin usage. I have everything it takes to support my existing big fat 103k margin. I know that one day will come where I will partly sell my investment to pay down my margin, but I still have the place to grow and I am not scared. I never had a real fear of my margin. I am exceeding 20k on what is left on my margin so its alright.

In the meantime, no new investment in the radar.

Regarding NWC, I am not sure if I should sell or not but its more a yes than a no at this time. I mostly would do it to protect my capital.

Stockopedia, please tell me where is hidding my next best thing

Things are not exactly going the way they should be on the TSX, especially since we are getting closer to a NAFTA deal. Investors should be enthusiasm as I am and leave the poor spirit behind. With its 15 227.70 points, my non-registered portfolio closed today session at $186 509.07, my TFSA portfolio at $63 395.22, and my RRSP portfolio stock only at $37 486.76. If the TSX can possibly hit its old 15 600 value, I could exceed my old time highest value ever in term of net worth, $221 000.

I have little money to invest and I was looking for a new find on Stockopedia, but no luck so far. However, my search makes me realize that my belove investment in Morguard North American Residential Real Estate Investment Trust (MRG.UN): - a stock that I pick on Stockopedia, had been going down all year long. However, no worries, I am still on the profit zone. I didn't place my move yet, but I think that my time had come. It's time to sell MRG.UN at profit while I still can.

I love all of my stocks, but sometimes, selling is a necessity. Especially knowing that some of my other stocks are down, and some other like PBH, MX, PLC, etc. are on nice capital gains. I don't understand Stockopedia, MRG.UN has a StockRank of 95 on their Web site. And Park Lawn Corporation (PLC), I stock that I made a lot of money on, which I also pick on Stockopedia a while ago, well my fabulous PLC is only at 75... StockRank is not all, but it seems like me and Stockopedia, we are not that at the same rank right now. And ho, my REALLY fabulous PBH... is only at 75!!! That's bullshit!!!! PBH worth more than a 75. Its the stock of my life. Can anyone understand that?

I will not wait for the poor man to wake up. I am going to get the extraordinary all by myself. I am the one that found AAR.UN, PLC, JWEL and how many great stocks that I hold. And I am going to do it again. Just watch me, little gangsters.

Anyhow, I do recognize the fact that I made real good findings using Stockopedia and I wish I will make another discovery soon. And of course, I will keep you posted. So lazy readers have no hard work to do. Wish me good luck, I am in need of some. I need to find my next best thing asap. Its something I need to be alive and find my oasis of satisfaction. I need to find back my power and I will not let it go.

Despite the storm, Premium Brands Holdings Corporation (PBH) is staying strong

I came back Monday evening from a few vacation days in New Brunswick, but now, it's not funny to be back and watching the TSX slowly getting under the 15 000 points is a real pain. Luckily, my biggest holder, Premium Brands Holdings Corporation (PBH) is acting like no storm is going on. PBH is still going strong and closed today... at a fantastic $116.36 per share.

When the TSX is volatile like this, I don't like to blog, I don't like to invest, I don't enjoy watching my investment portfolio online. Just at a time when I was at my highest value ever inside my non-registered portfolio, everything is all shacked up and it's hurting me, and it's hurting my portfolio value. It's just terribly annoying. It's not fun to be an investor at this time.

I had planned to proceed with a TFSA contribution in kind following my vacation, but with a TSX going all the way down, I am not in a position - because of my margin situation - to place such move. So I am doing the best to distract myself. Before leaving for my vacation, I had sold a leather chair on Kijiji and it gave me what I need to just continue selling whatever and everything I not wearing or using anymore, from books, clothes, boots, coat, and jewelry. I post a few items, no response yet. However, it seem like selling stuff on Kijiji can be a good way to earn extra cash. I am looking forward to make a $500 if not more - if I possibly can. I also have to go through all of my clothes. Maybe I will be able to push it to $600. As for now, its an experiment. I already earn $80 by selling that leather chair that I didn't like anymore. One great thing about Kijiji is that you can post for free, it's not like eBay, where you have to pay in other to post an item on their Web site.

Money is hard to earn and hard to be made on the stock market right now.

Welcome in my USA portfolio General Mills Inc. (GIS)

I was wrong! Derek Foster doesn't have 7 kids. With his newborn, which I wasn't able to learn if its a baby girl or baby boy, Derek Foster has now 8 kids! WOW! That's a courageous man! It must be hard, all that laundry, cleaning, cooking, homework, changing diapers, grocery shopping.... It's not only that... Those kids had to born. I just can't imagine myself giving birth. Nothing can beat that type of bravery. Mrs. Foster is a strong woman. The stock market is a little shit compare to such a big family life. Now we can understand why Derek Foster didn't publish any new book in a too long time now! Anyhow, you have to take whatever Derek Foster is willing to give us, poor investors. And currently, that being Enbridge Inc. (ENB) and General Mills Inc. (GIS).

Go go go! :-)

Today, I made my move in General Mills Inc. (GIS). Since its a Derek Foster stock I taught why not? Being a dad for the 8th time can only bring good luck. It's currently really difficult right now on the stock market. It seems like the trouble is at no end. My non-registered portfolio didn't stay on its $190 000 value - its highest ever - for really long. Today, my non-registered portfolio closed the session at $186 710.68, my TFSA portfolio at $63 014.34 and my RRSP portfolio (stocks only) at $37 299.25. This is what happens when the TSX slide and hit down to the 15 216.18 points. The TSX is a no man land. It's going nowhere these days. I just can dream of my $300 000 net worth. Anyhow, in the meantime, my latest investment in my TFSA portfolio, Enbridge Inc. (ENB) make some gains.

On this election year, Quebec budget seems to be really generous to Quebeckers.

I don't where we are going to hit next in term of return on the stock market, but I no longer care. I am tired and I know I am due for a little Easter vacation.