My TFSA contribution is now complete for 2018

Each and every new day on the stock market is a new day full of hope and a new day is always a new hope to beat up my previous very good results on the TSX. My BMO stocks are already been transferred over my TFSA. That's why my non-registered closed lower today, at $186 774.65. I decided that today was a good day to finalize my TFSA contribution for 2018. I had still left a 3k available in contribution room, but not anymore. I proceed today with a contribution in kind using Canadian Utilities Limited (CU) and Choice Properties Real Estate Investment Trust (CHP.UN), both should be in my TFSA soon.

Following what, I just have a few hundred as contribution room left, but I am done with my TFSA portfolio, at least for this year. Job did!

My net worth is now close to the $230 000 value

Recently, many of my stocks had increased their dividend distribution: Lassonde Inc. (LAS.A), Canadian Apartment Properties Real Estate Investment Trust (CAR.UN), Loblaw Companies (L), Pembina Pipeline Corporation (PPL), TMX Group Inc. (X) and Boralex Inc. Class A Shares (BLX). Today, it was the turn of Hydro One Limited (H) to increase its dividend distribution. With all of those increases, my annual dividend income (excluding RRSP, like always), is now at a good $8 571.73. This is getting quite interesting because I am getting closer to the 12k in annual dividend - which for me will be the breaking point in term of dividend income, just like the 300k net worth is my must-have of the moment.

While exceeding the 16 000 points, my TSX is making me really happy. I currently estimate my net worth to be very very close to the $230 000 value. A day like today was perfect. However, I got scared when my love stock Premium Brands Holdings Corporation (PBH) suddenly went down from $120 to $110 per share for no obvious reasons. Investors can be so big suckers. Selling PBH? Such a bad move. Don't be a dumb ass like the Quebecker Jean-François Tardif of JFT Strategies Fund (JFS.UN) or you won't have what it take to recognize a good investment from a bad one and you'll have to deal with no positive returns. I love bitching about Tardif because while I am on top, JFS.UN is giving absolutely nothing back in term of value to their investors. Actually, Tardif has the same intelligence of any Quebeckers, and that being: NONE.

Ahah! Poor poor baby! BANG! In your pretty face, now all destroyed. Wish me the same, wish me bad returns, and just watch it going exactly in the opposite direction. Because no one have any control over me and I am just too good at this investment game. I can't be better. And I won't even try.

Other than PBH, Nutrien Ltd. (NTR) made interesting gains, even Aphria Inc. (APH) registered some gains and I am quite sure that APH is going to hit on its old $20 value sooner or later. With all of that good stuff, my non-registered portfolio decided to close today session at $189 024.98. Since I still had over 5k in TFSA contribution, I decided to take my BMO Bank of Montreal (BMO): shares inside my non-registered portfolio and have them transferred over my TFSA. I now only have left a contribution room of $3 385. We are slowly getting there. Without my BMO shares, my TFSA portfolio closed the session at $70 482, which its highest value ever registered.

I am currently having a hard crush on:

LGT.B or A

CYB

CIGI

With Spring comes new friends

Check out my new furry friend that wake me up early in the morning these days... that's him... Little bird, but loud little voice... But so cute! Adorable little happy angel making sure that mommy wake up early in the morning! I like to open my back door and listen to the little birds playing around.

I was sicked for the past couple days, but please don't tell my old folks in New Brunswick because I didn't tell them, so they won't worry for nothing. I was sicked for a good 48 hours. Its started with heavy feaver, which make me checked if the heat of my apartment was on.. I mean I never have fever in my adult life, I just didn't knew what I had. I am never sick, so what was going on? But after, I start having muscle pain and I was feeling weak, I couldn't beat the feeling. I went to bed early, wake up, eat (but I shoudln't!!!!), went back to bed, and...... when I wake up... it was insane.... I will avoid all graphic details, but I visit my toilet many many times during the night, almost every hour and when there was nothing left inside of me to expell... I started shaking, I was really really cold. I never felt that bad before. However, 48 hours later, all good, pretty is back to normal. And no more shit is inside of me! I am clean from inside and out.

!!!

In French, its name the gastro. Well, I got the gastro for the first time of my life. And its the first time in a really long time that got so badly sick.

I didn't suffer for nothing. I lost 7 pounds in the process within 48 hours... WOW. 

But I felt really weaked following that. I could barely clean up the mess, but I did. I have too!

And to reward myself I wnt to a shopping trip at Simons (new bath rug was needed, do I have to explain why???)

Anyhow, all this being said, if you get the gastro, you'll feel like you are about to die, but you'll survive.

During that time of in deep suffering, my TSX was performing quite well. This is God trying to make up to me. I am not suppose to get sick. Its hard to take. Its an insult to my ego.

Welcome in my non-registered portfolio Choice Properties Real Estate Investment Trust (CHP.UN)!

It was an amazing day in Montreal, very warm temperature and for the very first time of the year, I went on the Mont-Royal, and it was quite nice. It changes from the daily gym routine.

 

With a TSX now being so close of the 16 000 points, I am now a bit more confident, I may have after all my chance to hit on a $300 000 by the end of the year after all! I got really excited today as I saw the TSX closing on 15 910.81 points. And oh surprise, my net worth is about $225 310 right now. It will be a good fight for the next couple months but I am pretty sure I can easily make it to the $250 000 without too many problems.

One of my most recent investment, Canadian Real Estate Investment Trust (REF.UN) is no longer trading on the TSX. To compensate, I received a mix of cash and some Choice Properties Real Estate Investment Trust (CHP.UN) brand new stocks. This is quite nice because now, the usage of my margin is reduced to $98 023.48. But unfortunately, during the process, my dividend income had been reduced of $19.20. Nothing significant. The best thing I am getting out of this Choice Properties Real Estate Investment Trust (CHP.UN) is a nice reduction of my margin, which I am looking forward to decreasing.

Good news regarding Quebecor Inc. - yesterday, they announced a 100% increase of their dividend.

My net worth is now of $222 850.15

I made a couple of fun discoveries this weekend only by updating my portfolio. I updated it because I knew that with a pretty TSX exceeding the 15 700 points, I knew it too much, I was going to be on top of my game, and so was I. I had reached my highest value ever back in December 2017. So far for 2018, I haven't been able to exceed that value. But with this past Friday good results, I finally exceed my highest value ever of December 2017, which was a net worth of $221 989.65. This past Friday, my net worth reached $222 850.15. And now I am probably higher than that because my non-registered portfolio closed today session at $187 722.09. My TFSA and RRSP portfolios also closed on a higher value also today.

For the first time in a really long time, my margin account usage is lower than $100 000. My margin account is now at $99 629.08. I am now finally experiencing a capital gain with Parkland Fuel Corp (PKI) - which didn't happen in quite sometime. While celebrating all those good things going on, my belove New Brunswick province is suffering from the consequences of a heavy spring flood. It was unfortunately predictable, we had a lot of snow this winter and when I came visiting for Easter, there was still a lot of snow. I am praying for the water to stop raising.

My very latest investment, Calian Group Ltd. (CGY) gained 1.19% inside my TFSA portfolio.

My investment portfolio on date of May 4, 2018

Non registered Investments:

Cold cash: $2 165.55

Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.51
Bank of Nova Scotia (BNS): $9 625.80
Blue Note Mining Inc. (BLNMF): $0.51
Methanex Corporation (MX): $8 174.08
Fortis Inc. (FTS): $5 204.40
Pembina Pipeline Corporation (PPL): $26 405.44
Enbridge Income Fund Holdings Inc. (ENF): $10 525.84
Corby Distilleries Limited (CSW.A): $2 573.55
Premium Brands Holdings Corporation (PBH): $56 472.90
iShares S&P/TSX Capped REIT Index (XRE): $2 561.02
New Flyer Industries Inc. (NFI): $6 318
TMX Group Inc. (X): $604.40
K-Bro Linen Inc. (KBL): $3 481
WesternOne Inc. (WEQ): $15.40
TransCanada Corp (TRP): $1 379.25
Canadian National Railway Co (CNR): $9 052.20
Enbridge Inc. (ENB): $1 130.08
Nutrien Ltd. (NTR): $6 100.62
Canadian Utilities Limited (CU): $1 399.44
Black Diamond Group Ltd (BDI): $61.25
Emera Inc. (EMA): $1 028.25
BCE Inc. (BCE): $1 172.82
Saputo Inc. (SAP): $1 673.60
Lassonde Inc. (LAS.A): $2 640
Loblaw Companies (L): $777
Savaria Corporation (SIS): $8 423.95
Canadian Imperial Bank Of Commerce (CM): $3 375
ATCO Ltd. (ACO.Y): $2 394
Jamieson Wellness Inc. (JWEL): $2 355

WSP Global Inc. (WSP): $3 200
Aecon Group Inc. (ARE): $1 805
BMO Bank of Montreal (BMO): $1 960

Aphria Inc. (APH): $1 960
Canadian Real Estate Investment Trust (REF.UN): $3 079.80

TOTAL: $186 929.51

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 565.52
General Mills Inc. (GIS): $1 361.28
Cash: $70.02

TOTAL: $2 996.82 US : $3 846.72 CAN

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $51.66
Dumont Nickel Inc. (DNI): $24.40
RioCan Real Estate Investment Trust (REI.UN): $817.60
AltaGas Ltd (ALA): $745.50
CT Real Estate Investment Trust (CRT.UN): $1 325
Canadian National Railway Co (CNR): $4 023.20
Exchange Income Corporation (EIF): $29.85
Firm Capital Mortgage Investment Corporation (FC): $516
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 400.25
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 182.6
The North West Company Inc. (NWC): $1 385
Andrew Peller Limited (ADW.A): $3 054.90
Canadian Imperial Bank Of Commerce (CM): $9 675
Hydro One Limited (H): $2 080.80
Toronto-Dominion Bank (TD): $1 458
Boyd Group Income Fund (BYD.UN): $3 206.10
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 601.20
Data Communications Mgmt (DCM): $10.20
Morneau Shepell Inc. (MSI): $2 268
Royal Bank of Canada (RY): $3 912.80
Parkland Fuel Corp (PKI): $2 000
Park Lawn Corporation (PLC): $1 488
Toromont Industries Ltd (TIH): $2 249.20
National Bank of Canada (NA): $5 526.90
BCE Inc. (BCE): $479.79
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 780
Pure Industrial Real Estate Trust (AAR.UN): $1 606
Sienna Senior Living Inc. (SIA): $1 382.40
Boralex Inc. Class A Shares (BLX): $933.60
Richelieu Hardware Ltd. (RCH): $1 279.72
Savaria Corporation (SIS): $1 158.50
Enbridge Inc. (ENB): $847.56
Northland Power Inc. (NPI): $2 355
Calian Group Ltd. (CGY): $2 280.68
Cash: $39.52

TOTAL: $69 174.13

RSP investment portfolio:
Emera Incorporated (EMA): $11 105.10
EnCana Corporation (ECA): $1 826.28
Toronto-Dominion Bank (TD): $2 187
Telus Corp (T): $2 305
Royal Bank of Canada (RY): $1 956
Savaria Corporation (SIS): $3 343.10
Thomson Reuters Corporation (TRI): $2 025.60
Park Lawn Corporation (PLC): $4 960
Richards Packaging Income Fund (RPI.UN): $1 075.80
Toromont Industries Ltd (TIH): $393.61
CAE Inc. (CAE): $1 684.20
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 692.90
Boralex Inc. Class A Shares (BLX): $1 167
Quebecor Inc. (QBR.B): $585
Cash: $325.12

Total: $37 631.71                      

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 829.47               

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: $1 252.09
Manulife Simplicity Growth Portfolio: $1 357.95
Maritime Life CI Harbour Seg Fund: $1 202.27
Maritime Life Fidelity True North Seg Fund: $1 551.51

Manulife GIF MLIA B World Invest: $1 239.30
Total: $6 603.12

Other various: $10 833

TOTAL: $60 303.20

Social Capital at Desjardins Membership share: $35
Pending online income: $25
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$322 479.23

My debt situation on date of May 4, 2018

Margin account: $99 629.08 @ 5%
Annual interest: $4 981.454

Lassonde Inc. (LAS.A): the star of the moment on the TSX

It feels quite great to see the TSX exceeding the 15 600 points value this past Friday! I so wanted to see my old 15 600 points back - and I got it after all.

I had been investing in stocks for something like a decade now and its the first time that I ever notice technical problems with the TSX. This is the official message that appears in my trading account: "At approximately 1:40 p.m. on Friday, April 27, the TSX, TSX Venture, and Montreal Exchange closed early due to technical issues." The "approximately" part is quite intriguing, like if the authorities wouldn't even know at what time the TSX stop trading.

My RRSP portfolio (stocks only) closed today session at $37 471.02 , my non-registered portfolio at $185 311.28 and my TFSA portfolio at $68 987.74. Among the great things going on right now, despite the technical problems that affected the TSX this past Friday, my investment in WSP Global Inc. (WSP) is doing quite well. WSP is currently on a gain of 23% inside my non-registered portfolio. Susan Brunner recently posts her review of WSP on her blog. She also posted recently about Fortis Inc. (FTS). I registered a gain of more than 63% on the back of Fortis Inc. FTS had been in my portfolio for a really long time now and its a really good investment, despite recent trouble with its value. It went back a little, but that's what stock do, they go up and down, but what matter is to be able to profit from the stock, despite it all. At 63% gain, I am not doing too bad on Fortis at all.

Other than WSP and FTS, another stock that is beating all expectations is the fabulous Lassonde Inc. (LAS.A). This past Friday session, LAS.A gained 2.42% - maybe it could have gained more if the TSX would have been opened like it should be. 

One last announcement, Parkland Fuel Corp (PKI) closed this past Friday session on a little gain - which is extraordinary.

Welcome in my TFSA portfolio Calian Group Ltd. (CGY)

Sad day in Toronto. I was at worked and they announced the terrible news. This may help to stop immigrants from coming massively to our country and stealing what doesn't belong to them. Alex Minassian - that is certainly not a Canadian family name - was Armenian. another fuck up Armenian just like the Kardashian family, but in much much worst. It's quite disgusting to see immigrants destroying our well being and I would like Canada to stop welcoming illegal immigrants. We shouldn't allow anyone to come illegally on our land, it's so disgusting all those immigrants, sucking at our energy and financial resources. I don't even have a family doctor and I had been on a waiting list for more than a year now. I try to find a nice apartment in Montreal - but so complicated and rents at reasonable prices are all so dirty. Don't tell we have resources here in Montreal to welcome immigrants - that's a lie. We cannot even meat the basic needs of our citizens and First nation people. We don't gain anything by welcoming people who are not true blood Canadians. We have to focus on them rather than focusing on us.

Immigration in Canada should be extremely selective. But it is not at this time and any morons can come here in the best place on earth, and destroy our well being. Terribly sad events, but we can only response with extreme severity. But Justin Trudeau is far too weak to address problems. Anyway, events like the one of today gave you a reason more to go to the gym so you can move your ass quickly if you have to. I miss my gym session this evening because I finish late at work. Personally, I am not afraid and if I have to die, I will die, but I don't believe yet that I can even die. I don't believe one second in my mortality. It will be a discovery that I will make at the end of my life and God will judge me and throw me the eternal flames as He wishes. Because I don't even believe in the power God. I believe in my own. And I am calmly waiting for the moment where He will prove me that I got everything wrong. Just show me, Lord. I am ready anything, anywhere.

Until that time where you won't ever heard of me, I had welcomed today in my TFSA portfolio Calian Group Ltd. (CGY). CGY is giving a nice push over my dividend income. Also today, the transferred of my National Bank of Canada (NA) and Northland Power Inc. (NPI) over my TFSA portfolio had been completed. I now have to transfer some cash from my banking account over my non-registered portfolio to calm down my margin. At an interest rate of 5%, TD Waterhouse is not making me any gift and I am not expecting anything great coming from those banker suckers.

On a happier note, today, I tried to do my legs with some wax trips and it quite didn't work out as well as it should. I might be immortal, but I am a bear, inside out.

My first TFSA contribution of the year 2018!

I always have a good idea of where my net worth is setting at by looking at my numbers, but I like to post an update of my investment portfolio once in a while, even knowing that I am not beating yet my highest value ever, which was reached back in December 2017. With my hair freshly cut, just get out my way baby, the hunger to beat it up sharply is real more than ever and I am no longer too far behind. The stock market is making me suffer, but nothing best than a good punch in the stomach to wake up this girl.

One day, The TSX will good to me and it will be a lot easier to focus on the next natural step, which would be the $250 000 value. The 250k doesn't bring in much excitement on me. But the $300 000 is the real deal. Currently, my net worth is of $219 227.69, and that fabulous highest value ever of December 2017 was of $221 989.65. Since the beginning of this new year 2018, I have tried hard to push it over that magic 221k, with no success. 

Currently, the TSX is not steady enough and without a stock market in good shape, its difficult to move forward from my old score. For the time being, I will just be happy if I can finally exceed the old 221k mark. Things are not looking so bad overall and that's why I decided yesterday evening to proceed with my first TFSA contribution of the year 2018. It was about time, especially knowing that I have 10k in contribution room left for my TFSA! Its a real shame, but this is what it is to be linked to a margin account in a non-registered portfolio. It make it difficult to make any moves at all! Currently, I load $103 142.63 on my margin account. And I have left available $25 160.79. I watched closely those amounts every day or almost, just to make sure I don't get stuck in a wrong turn. But at 25k available, I have enough to take some stocks of my non-registered portfolio and have them transferred over my TFSA.

It seems like the rules for TFSA contribution in kind had changed at TD Waterhouse. When I was giving my order, I said I wanted the lowest value of the day for each stocks concern by my request, but it seems like we cannot no longer choose between the lowest or highest value of the day. While proceeding to a TFSA contribution, you can choose the stocks you want to transfer from non-registered to TFSA, but you cannot choose the value anymore. The value picks by the system is the one at the closing for the day. I have no problem with that, but the old rule gave a little bit more flexibility

For this first TFSA contribution, I picked National Bank of Canada (NA) and Northland Power Inc. (NPI). Since I already had NA inside my TFSA, I figured that I should just have the existing NA shares of my non-registered transferred over my TFSA. I already had some NA shares inside my TFSA portfolio. As for NPI, it was currently on a little capital loss, so I taught I could declared and the loss and get the shared inside my TFSA. Following what, I still have contribution room left to make other contribution in kind. for my TFSA. And I was thinking about my BMO shares, since they are too on a little loss right now.

While picking stocks of my non-registered portfolio for my TFSA, I try to pick some dividend payer stocks that currently are experiencing a small capital loss. I won't ever take stocks in which I registered some real big capital gain, like for example Premium Brands Holdings Corporation (PBH) to be transferred over my TFSA because if I do so, I will have to pay extra taxes because of the enormous good capital gains I made on PBH. 

Having stocks transfererd from my non-registered account to my TFSA will affect the value of my margin acount. For example, NA and NPI had a loan value of $3 677 for my margin. This is decreased of $3 677 the money available on my margin. Lucky me, its pay day next week, so I am going to take $3 677 from my banking account and have it transfereed over my margin. In the meantime, the amount left available will go down from $25 160.79 to $21 483.79. The lowest that amount go, and the closest I am getting from a margin call. that's what you need to keep in mind while trading on a margin account. Its a risk I am handling, but I don't recommend any of my dear readers to open a margin account, especially if you are the type like myself who get easily excited and who's a stock junkie, always on the ride and always searching for something new to invest in.

Another shame of mine is to have $2 272.31 in cash inside my TFSA, and I didn't invest that money yet. However, I am now pretty sure that I will be investing that amount in Calian (CGY). The stock seem to be stable and pay a nice reasonable dividend that seem to be reliable. This new investment will bring my annual dividend income to $8 489.73 (excluding RRSP), about $707.47 per month. I think CGY is a good pick and Stockopedia also share the same opinion. On Stockopedia, Calian (CGY) has the status of a Super Stock, and has a StockRank of 97 - two great features.

Right now, I really need to make good investments and those new friends will help me to push it to the 300k value. another stock I would really like to welcome in my portfolio is Logistec (LGT.B). It doesn't rank as wella s CGY on Stockopedia, and LGT.B only pay a tiny little dividend, but I have my eyes on that Susan Brunner stock.

Just to add for the fun, I just found out that one my favorite French rapper, La Fouine, has released a few new tracks and its quite good, so enjoy.