That margin account is getting seriously paid down

I wasn't available to write anything on Sunday for the usual Sunday evening post. Its just didn't happen. I got a haircut and I actually just realize now, but I got a Marilyn Monroe kind of cutty look! If you want to know what my hair looks like, check the 7th pic of Marilyn on this page. My hairs are curly that way when I don't put any product on them and with something, the curls are more defined. So I guess I need to be flatter that my stylist came with a Marilyn Monroe iconic style on my pretty me. Next time, I will try to have it even a bit shorter. It's actually hard to style very natural curly hair. Such hair needs a really good defined cut. And my hair grows quite quickly too. I need a haircut every two and a half months. I try to extend over it, but it's just not possible. Crazy hair.

Other than my pretty haircut, a lot had happened! I finally got to happen to sell some investments this past Friday. Inside my TFSA, I sold the following: Parkland Fuel Corp (PKI), National Bank of Canada (NA), Canadian Imperial Bank Of Commerce (CM), Enbridge Inc. (ENB), The North West Company Inc. (NWC). The money got transferred from my TFSA to my margin account today. My margin account usage is now at $45 170.95. As soon as January 1th kick in, I plan to probably sell all of my Pembina Pipeline Corporation (PPL) stocks and probably also all of my TransCanada Corp (TRP) stocks, and I will try to invest in my TFSA account. Its been announced that for 2019, the contribution limit for the TFSA will be of $6 000. 

The amount I transferred from my TFSA portfolio to my margin will be eligible for a TFSA contribution in 2019. So I will have over 25k in contribution room for my TFSA in 2019. I already have spotted a few investments that I will like to transfer from my non-registered portfolio to my TFSA one:

Nutrien Ltd. (NTR)
ATCO Ltd. (ACO.Y) 
Canadian Imperial Bank Of Commerce (CM)
Goodfood Market Corp. (FOOD)
TFI International Inc. (TFII)
Aecon Group Inc. (ARE)
Aphria Inc. (APH)
BCE Inc. (BCE)
Emera Inc. (EMA)
Jamieson Wellness Inc. (JWEL)

Following those contributions in kind, I will still room for another close to 5k, but that contribution in cash for my TFSA will be made only once I get the 19k margin left (which is e amount left once I will sell PPL). So all this is finally getting exciting. Who knew that paying my margin could be interesting, but it is when the TSX is all upside down AND trading under the 15 000 points. It's chaos. I still believe that paying down my margin is the right thing to do. It will be my project for 2019.

If you notice, Aphria Inc. (APH) appears in the list of investments I plan to use for a contribution in kind for my TFSA. APH businesses are real, no matter what satanic son has to say about it. APH has always been volatile, it takes a hit on the news, but I think we can expect to see APH back in $20 value one day. I have all the time in the word, and I am certainly not in a hurry.

I cannot even believe that I am finally getting that margin paid off. And I am so pretty with my new hair cut. I look like a cute little innocent angel.

What is my cold cash?

I received an email today from a reader asking, totally intrigue, what I mean by "cold cash" in my investment portfolio:

New to my blog? Maybe you didn't know, but cash has it own favor, taste, and its cold or hot depending of the situation. And inside my portfolio, cash is absolutely COLD because I am hot. Cold cash is simply what I have as saving, and I don't have much as you can see. I basically live paycheck per paycheck and I invest all that I can straight on my TSX, and my stocks are my babies.

Its the end of the year 2018 and its quite busy at work. And I feel more and more tired as days go by. Its now starting to get dark at 4 pm if not earlier and it seem to be effecting my level of energy. And I just cannot be that way, especially now when I have so much to think about. I sleep so well in the morning like a little angel, but I have to get up and go to work... And I also have to figure out what do I sell before 2019 hit me in the face, among others. But one thing for sure, the TSX took a good hit today, going all the way down UNDER the 15 000 points - one more time. Like this is the new reality for investors, the environment is all mess up and the stock market is shaking because we had been braved enough to arrest a rich Chinese woman and send her straight to her hell and pay for her crimes in... the USA. In China, there's no social justice, but justice exist in Canada. And this is all of what China government need to understand.

In reaction, my non-registered portfolio closed today session at a $125 811.01 my TFSA portfolio at $74 259.84. My margin usage is at $66 177.58. I am looking forward to sell for $20 000 worth of stocks inside my TFSA to pay by margin. In 2019, I will sell my PPL shares. Following what, I will only have left $19 000 in margin debt. And I plan to pay it off within the year 2019. That's the plan. A $19 000 can be paid withing a year.

Aphria Inc. (APHA) is still the best pot stock on the TSX

I didn't place any order for my new investment inside my RRSP portfolio, I was too busy at work. But I did saw the nice little jump that my belove TSX made at the opening this morning. Some where in the 15 300 points! Let's go bitch, you can do this! Go go go! This should be enough to motivate her soul to start the day on a higher note today.

Just like Exchange Income Corporation (EIF) had suffered from malicious manipulations coming from a dumb-dumb American of the name of Marc Cohodes, Aphria Inc. (APHA) is currently suffering from attacks coming from another American, this time, Marc Cohodes is not involved. Today events seem to be coming from Gabriel Grego, founder of Quintessential Capital Management. I would like to understand why investors care about what Americans have to say regarding our great economy and about the great companies that composed that great economy. Americans are not exactly smart, its a well-known fact. And I refused to accept the fact that the opinion of some idiots can have a huge impact on our economy. 

Too bad, but I don't have no lesson to learn when in comes to quality asset.

I recognize a good stock and if I decided to invest in Aphria Inc. (APHA), its because it was the best pot stock we had in Canada. Or one of the best. Just like Donald Trump did with us, people like Marc Cohodes and Gabriel Grego like to mess with us. We should declared war to those short-seller stars and brake them to the bones. When it comes to Americans, I am absolutely intolerant. I don't think the modern world should pay any attention to what's going on in the USA. The world is much more than only the US. The Americans actually block our perspective by desperately getting all the attention and today, Gabriel Grego did his move, and idiot investors had faith in his voice.

Men like Marc Cohodes, Gabriel Grego like to make some noise and receive attention, but they are both two perfect American idiots just willing to destroy what we have best: our economy. I am really proud to have Aphria Inc. (APHA) in my portfolio and I won't ever let an American with poor judgement to decide of the destiny of my assets.

At some points, someone need to pay of their actions and its not us, Canadians to pay. Fuck off Americans from the TSX.

APHA will recover. Like for any news, Aphria title is really volatile, but today wasn't a good day. But guess what, tomorrow is another day, even for Americans.

Getting ready for my next investment: MTY Food Inc. (MTY) for my RRSP portfolio

My non-registered portfolio closed today session at $128 415.28, my TFSA portfolio at $75 729.71, and my RRSP portfolio - stocks only - $38 676.06. My margin account usage is at $66 214.31 and amount of money left of it available, somewhere in the 18k. My numbers are not too bad. I didn't sell any other stocks yet in order to pay down my margin.

I worked really hard to save money lately. Today, it was raining all day long in Montreal, so I count my penny cash and I actually had $111 in a mix of 5 and 10 cents, and maybe another $100 as I have a bunch of 25 cents that I am not done counting. :-) And before that, I went out for a quick walk as it was heavily raining... and I started feeling something cold on my feet, and it was the rain of course. My winter boots are no longer waterproof. I didn't like those winter boots anyway, but I am a bit upset that I have to buy a new pair, especially now while I was pushing hard to cut down my spending. I really don't want to buy a new pair of winter boots, especially not now.

I am quite good at playing this game of saving money. And whenever I want to play it really hard on myself, I put on a cash diet. The idea is, other than the regular bills and rent payment, you go on cash to pay for everything else and of course, you imposed a limit of cash you have to live on. Not exactly easy. I withdraw $100 in cash per week and that's all I have to cover everything for grocery and everyday expenses for one week. And a $100 is not a lot of money, but it's doable. And the fun is to try to go under the $100 per week. I almost already spend $100 already for this week, but that's because I bought some laundry tickets. I actually have only $9 to $10 left for this week, which will go for coffees. I cut down a lot in my coffee expenses my bringing a thermos of coffee to work. And I bring my lunch, of course. I usually set my lunches for the week on Sunday evening, and I usually clean my apartment on Saturday. In order to save money, the best behavior is to be organized. If you do all the crap before starting a new week, it will help.

I also put a few items for sale on Kijiji, but no luck so far. But I did sale a few items on Kijiji earlier this year. It worth it to check out on the stuff you no longer use and put it to sale. The most annoying part is to handle the emails. I received a few of "is this item still available" kind of email, which is really annoying, but other than that, selling stuff on Kijiji is pretty straightforward.

I currently have over $600 in cash inside my RRSP portfolio. And that's because of the extreme generosity of Thomson Reuters Corporation (TRI) who decided to treat me like a princess - and all of the investors who are holding on to some TRI shares. With that money, I would like to make a little investment in MTY Food Inc. (MTY).

The plan to pay down my margin account in the next three months

The TSX is really difficult to follow right now, its just so volatile! The ride is wilder than ever before and this is not my favorite time. My best time was following the 2008 stock crash. I love my TSX when it's calm and steady. Are the good old days gone for goods? There are always opportunities on the TSX, but it's just that things are getting harder and harder, at least for me. Its costing more and more to invest at credit, and the volatile market makes it riskier than ever to be on a margin account, like the one I had until recently. I decided to sell my PBH shares to pay down my margin and I have no regrets. 

My non-registered portfolio closed this past Friday session a $126 443.97, my TFSA portfolio at $74 795.23, and my RRSP, stocks only, at $37 755.88. Its now official, the TFSA contribution limit for 2019 will be of $6 000. Better start saving now!  A 6k represent a good amount of money to save.

This past Friday session, my margin closed on $66 731.31. Its an increased of $358.02 compared to November 16, but that's only because the interests kick in. And that's exactly why I decided to sell off my PBH shares. With interest rates that are just going to keep rising, a 66k margin felt better on my shoulders rather than a 100k+ one. And no one has the right to doubt on my decisions on that matter. And no one certainly doesn't even have the right to even think that I am not taking the best decisions for myself, because I always do. With this last paycheck, I am going to be able to decrease my margin to $66 011.31. Its amsll step in the right direction, but in other to take bigger steps, I need to sell some investments. And its now all planned!

I am thinking about selling the following stocks inside my TFSA portfolio:

Hydro One Limited (H)
Toronto-Dominion Bank (TD)
Royal Bank of Canada (RY)
Parkland Fuel Corp (PKI)
National Bank of Canada (NA)
Enbridge Inc. (ENB)
BMO Bank of Montreal (BMO)
Canadian Utilities Limited (CU)

Canadian Imperial Bank Of Commerce (CM)

The sell of those stocks should bring on close to $30 000. If I sell those stocks before the end of 2018 and if I transfered the money earn to my non-registered portfolio to pay down my margin, I will be able to reinvest that 30k inside my TFSA portfolio in 2019. I already spotted a few investment I have inside the non-registered portfolio that I would like to proceed with a contribution in kind of to TFSA in 2019: Nutrien Ltd. (NTR), Jamieson Wellness Inc. (doesn't), Aecon Group Inc. (ARE), TFI International Inc. (TFII) - and maybe: ATCO Ltd. (ACO.Y). While selecting some stocks to proceed with a contribution in kind for my TFSA, I always try to target stocks that I really want to keep in my portfolio, but that registered small capital gains, no capital gain at all - or who are experiencing a capital loss.

As soon as 2019 kick in, I could sell my PPL and ENB shares. Following what, I will collect more than what I need in order to completely pay down my margin. After this exercise, I will have a 5k left in cash in order to invest inside my RRSP - that RRSP investment will be made in order to help a bit to reduce my taxes, since I will collect a great following the sale of PPL and ENB inside my non-registered portfolio.

I could pay everything I own for my margin as soon as January 2019. And just to make sure a new debt cycle don't happen again, I will close my margin account. It will be a release for me to be debt free, it will be start of a new beginning where the money I collect as the dividend earned can goes as saving or for new investment, but definitively not to pay the interest of a margin account.

All this only to pay my margin account, but I decided to pay it all for many reasons. A recap of the reasons why:

-I will be turning 40 (!!!) in two years and I need to accelerate my savings and decreased my debt - which is my margin.

-Its getting more and more expensive to invest on credit, as prime rate just keep increasing - and will probably be increase again in 2019.

-A margin is link to the value of stocks, which value is volatile - you always need to check on your stocks to make sure your margin is ok.

-I borrow money from my credit lines when I am away to pay down my margin - and that cost me money.

Paying debt is never a wrong move, no matter what you need to sacrifice.

The little story of me and my margin account

I updated my portfolio yesterday, something I didn't do in a really long time. Actually, I didn't publish any portfolio update since August! And that's because the TSX had been such a rough place to be this year. I usually update my portfolio only to flatter my ego, when my portfolio registered great gains. With this recent update, I just wanted a more precise idea of where I was standing. I had been thinking about paying down my margin for also a really long time, its been an idea that stayed on, but I never took action. And my margin debt even was real massive shit, a $100 000, and sometimes, it exceed the 100k mark. I had a margin account for quite a long time. But when I first open my brokerage account, I didn't have back then a margin account - I had a margin opened only several years later. At the time, the idea was to open a margin to pay off some debts. And at the time, it was quite a good idea. The stock market was on a good path, interest rates were low. I had everything for myself. And during those good years I collected good assets. And I occasionally used my margin to pay some living expenses, and I sometimes use my margin money to invest. I was that kind of girl. I was a margin kind of sexy girl, tun of money at my feet, and the power of my young thirties.

I never had any problems managing my margin account, mostly because it was living under great stocks that I was holding inside my non-registered portfolio, and because I always try to keep a $13 000 of unused margin money. 13k being the minimum of the minimum. $15 000 was better, and $20 000 even better. But no matter how much I had left of unused margin money, whenever I was leaving for my annual vacation in Cuba - or even while leaving Montreal for a few days in New Brunswick, I always had to use extra precautions. So what I used to do whenever I was leaving Montreal behind, I was making sure to transfer between 10k to 15k from my credit lines to my margin in order to keep it safe while I was away. The stock market being what it is, I couldn't take the risk of not doing anything to keep my margin safe.

There's nothing safe about having a margin account inside a non-registered portfolio. No matter how much cash you put in, a margin situation is never safe. But it kept me satisfy and I had a peace of mind knowing that I had extra cash on my margin while being away. This little scenario kept happening each time I went to Cuba - once a year - and every time I went to New Brunswick - many many times a year! Just keeping my margin "safe" cost me money. Not that much, but still, it was money flying away.

I had my fun with my margin account, I had paid my other debts. And back at the times, the interest rate was low on my margin account - the good old days - but it's not the case anymore. Interest rates are skyrocketing and it's not going to stop anytime soon, especially in Canada. It's been announced that the prime rate will get increased again sometime soon. I appreciate the fun margin account, but now, I am somewhere else. I felt more and more the need and necessity to pay off my margin.

I decided to sell my Premium Brands Holdings Corporation (PBH) shares, it was a personal decision that relies exclusively on my shoulders, like the rest of all of my investment decisions. And like all of my decisions, they are all mine to take. And it makes me kind of laugh to read the comment of readers. I only post them to entertain. It's easy to say that I should sell my PBH shares when the investment was rocking at $122 a share... It's easy to talk, but its something else to be an investor on the everyday life. And I would like to know how much money those soft talkers actually have for themselves...

I always wrote about absolutely everything that concerns my investment life and I go into the deep bottom of it. Popular bloggers don't even give half of what I give to my readers. I made great money by selling my PBH shares, but of course, I could have made even more if while selling when PBH was on top. But my intention has never been to sell my PBH shares. I decided to sell because I didn't want to see PBH go lower and I just couldn't be there and do nothing about it. I could have only partly sold, but I was released to see my margin usage going down. Since the amount on the margin was exceeding the $100 000, my only option to reduce it was to sell some assets. The stock market is a place of opportunity. The buy and sell are orders, and the "if I would sell", or the "if I would have bought" always remain. I could have made better, or worst, but I stand on my decisions. Talkers can talk, but cane the same talkers can do better? I doubt.

The stock market is not a soft place to be, the TSX is rocky, but interest rates are going up. It's not the best cocktail. In other words, what I mean is that we just don't know what this is going to lead us to. The financial places worldwide could get all upside downs again soon that it wouldn't surprise me at all. Usually, the TSX is easier and I get more of a natural feel of it. Even following the 2008 stock crash, it was writing in the stars that the TSX was going to jump over it. I knew that. It was what I believe in. But now, it's all different. I love investing in stocks and I think that I will always be investing in stocks, but not while having a margin. On the date of November 16, my margin account is now at $66 373.29. I just don't remember the last time my margin usage was so low.

Selling stocks at profit inside a non-registered account mean tax to be paid. If you would like to learn more on the matter, this article by Tina Orem is really great.

2018 year was the year I sold PBH, and 2019 could be the year when I sell my oil stocks. You understand of course that the idea is not to sell everything on the same year, in order to pay a bit of tax this year, and a bit next year. I could invest a bit in my RRSP by March 2019 - its an idea I have in mind.

My debt situation on date of November 16, 2018

Margin account: $66 373.29 @ 5.50%
Annual interest: $3 650.53

My investment portfolio on date of November 16, 2018

Cold cash: $1 325

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10 929.38
Methanex Corporation (MX): $8 316.22
Fortis Inc. (FTS): $5 710.82
Pembina Pipeline Corporation (PPL): $27 741.20
Corby Distilleries Limited (CSW.A): $2 545.33
iShares S&P/TSX Capped REIT Index (XRE): $2 696.54
New Flyer Industries Inc. (NFI): $4 086.72
TMX Group Inc. (X): $634
K-Bro Linen Inc. (KBL): $3 490
WesternOne Inc. (WEQ): $21.10
TransCanada Corp (TRP): $1 314
Canadian National Railway Co (CNR): $10 152
Enbridge Inc. (ENB): $13 572.24
Nutrien Ltd. (NTR): $3 534.50
Black Diamond Group Ltd (BDI): $60
Emera Inc. (EMA): $1 100
BCE Inc. (BCE): $1 215.28
Saputo Inc. (SAP): $1 571.60
Lassonde Inc. (LAS.A): $2 105.10
Loblaw Companies (L): $705
Savaria Corporation (SIS): $7 145.10
Canadian Imperial Bank Of Commerce (CM): $3 428.40
ATCO Ltd. (ACO.Y): $2 384.40
Jamieson Wellness Inc. (JWEL): $1 967
WSP Global Inc. (WSP): $3 229
Aecon Group Inc. (ARE): $1 903
Aphria Inc. (APH): $2 538
Goodfood Market Corp. (FOOD): $1 164
TFI International Inc. (TFII): 3 465.60
George Weston Limited (WN): $95

TOTAL: $128 820.53

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 747.28
General Mills Inc. (GIS): $1 413.76
Cash: $96.68

TOTAL: $3 257.72 US - $4 285.20 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $874.65
CT Real Estate Investment Trust (CRT.UN): $1 293
Canadian National Railway Co (CNR): $4 512
Exchange Income Corporation (EIF): $31.78
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 552.34
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 094.70
The North West Company Inc. (NWC): $1 490
Andrew Peller Limited (ADW.A): $2 380
Canadian Imperial Bank Of Commerce (CM): $9 942.36
Hydro One Limited (H): $2 031.12
Toronto-Dominion Bank (TD): $1 452.40
Boyd Group Income Fund (BYD.UN): $3 288.90
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3 261.30
Data Communications Mgmt (DCM): $7.98
Morneau Shepell Inc. (MSI): $2 452.50
Royal Bank of Canada (RY): $3 814.80
Parkland Fuel Corp (PKI): $2 381.44
Park Lawn Corporation (PLC): $1 271.40
Toromont Industries Ltd (TIH): $2 330.40
National Bank of Canada (NA): $5 463
BCE Inc. (BCE): $497.16
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 930
Sienna Senior Living Inc. (SIA): $1 357.60
Boralex Inc. Class A Shares (BLX): $688.40
Richelieu Hardware Ltd. (RCH): $1 208.88
Savaria Corporation (SIS): $980.70
Enbridge Inc. (ENB): $896.28
Northland Power Inc. (NPI): $2 125
Calian Group Ltd. (CGY): $2 186.70
BMO Bank of Montreal (BMO): $1 981
Canadian Utilities Limited (CU): $1 320.48
WSP Global Inc. (WSP): $1 614.50
Granite Real Estate Investment Trust (GRT.UN): $557
Cargojet Inc. (CJT): $2 396.85 
Agellan Commercial Real Estate Investment Trust (ACR.UN): $797.44
Cash: $3.52

TOTAL: $75 480.50

RSP investment portfolio: 
Emera Incorporated (EMA): $12 144
EnCana Corporation (ECA): $1 086.48
Toronto-Dominion Bank (TD): $2 178.60
Telus Corp (T): $2 334
Royal Bank of Canada (RY): $1 907.40
Savaria Corporation (SIS): $2 830.02
Thomson Reuters Corporation (TRI): $2 576.80
Park Lawn Corporation (PLC): $4 238
Richards Packaging Income Fund (RPI.UN): $1 225.62
Toromont Industries Ltd (TIH): $407.82
CAE Inc. (CAE): $1 831.90
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 900.45
Boralex Inc. Class A Shares (BLX): $860.50
Quebecor Inc. (QBR.B): $698.75
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $352.10
Cash: $335.04

Total: $37 907.48                

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2 738.90

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

GIC National Bank: $1 329.75                 

Manulife Fidelity NorthStar GIF CAP B: $1 196.34
Manulife Simplicity Growth Portfolio: $1 313.99
Maritime Life CI Harbour Seg Fund: $1 180.27
Maritime Life Fidelity True North Seg Fund: $1 526.79
Manulife GIF MLIA B World Invest: $1 164.72
Total: $6 382.11

Other various: $11 196.09

TOTAL: $60 634.08

Social Capital at Desjardins Membership share: $35
Pending online income: $99.56
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$270 679.86

Saying thank you and goodbye to Premium Brands Holdings Corporation (PBH)

I was kind of expecting it, my Premium Brands Holdings Corporation (PBH) continue to lose money again today. And for me, it was the point of no return. I decided to sell all of my PBH shares. I am no longer holding to PBH inside my non-registered portfolio. I guess that tomorrow again, PBH will lose some more money. I didn't want to simply sit there and watch PBH falling down. I decided to sell everything, and I got in a nice capital gain that greatly helps to pay down my margin account. My margin account usage is now at $66 383.92 (I used to be on a 100k, and sometimes a bit more). My non-registered portfolio closed today session at $128 068.52. My net worth must be in the 202k, which is not bad. While being under a 16 000 points, you must find reward where you can find it.

I actually don't remember the last time when my usage of margin had been under the 70k. For me, this is just the natural way things had been done. A 100k margin was quite a big debt to hold on to. The stock markets are not going better. Actually, I cannot say if we are in a good or bad place right now. Its like we are in that big dark shadow that surrounds us. 

If I sell all of my oil stocks: Enbridge Inc. (ENB), Pembina Pipeline Corporation (PPL), TransCanada Corp (TRP), Parkland Fuel Corp (PKI), I could have really little left to pay on my margin account. It's something I like to consider. I really don't like those oil stocks and I find it hard to believe that still today in 2018, and soon 2019, we keep exploiting oil. Its a resource we shouldn't have to rely on.

These days, the environment is the topic à la mode, but in the other hand, we are not cutting down on the planes that travel worldwide, we still have the Formula 1 events, which pollute enormously, and worst thing ever: we still have the Olympics. Calgary vote no to the Olympics in their city and common sense had won. We will never be able to save the world because no real action is being taken by our governments. Right now, we should shut down airplanes, no more travel for nothing, no more oil, no more anything bad for our environment. No more Olympics. But I doubt that the world has the intelligence to move forward in that direction. And personally, I am secretly thinking about selling my oil stocks. I want to go back to my old pure inspirations. A day will come when oil will have little value.

Yesterday, Cineplex Inc. (CGX) was experiencing some major loss. And today, it was the turn of another deep love of mine: Savaria Corporation (SIS). Today SIS drop down 18.78%. No worries for now, I am still experiencing gain on SIS. Will SIS do like PBH and drop again in value tomorrow? If so, I am going to sell!

I am now a bad ass investor.

Agellan Commercial Real Estate Investment Trust (ACR.UN) is now from my portfolio, I invested in a few shares for my TFSA portfolio. Welcome in my TFSA portfolio Agellan Commercial Real Estate Investment Trust (ACR.UN! Go go go and makes mommy proud!

A new investment for my TFSA: Agellan Commercial Real Estate Investment Trust (ACR.UN)

Premium Brands Holdings Corporation (PBH) continued to lose some value today, so I decided to sell partly my PBH investment. I made great capital gain on the sell. I always prefer to stick and hold to the investments I like the most, but things never go exactly the way it had been planned and better be ready to stick to no plan at all, and do what you need to do when difficulties arise. Not that you have to sell your PBH shares like I did, but it could be a good idea to partly sell PBH, especially if, like you, you are experiencing really good capital gain on the investment. If PBH goes down again tomorrow, I may sell some more shares tomorrow.

It's not fun to see a stock you like and that you had been holding to for a really long time going down, but when it happens, I prefer to go with my feelings and do what I think its right. I wasn't planning to sell any of my PBH shares today, but I decided to do so to save my money.  For the past year, PBH just keeps going down.

Today, the investors of Cineplex Inc. (CGX) had experiences the same situation I did yesterday on November 13 with PBH. Today, Cineplex Inc. (CGX) shares plunge 20%! I used to have CGX in my portfolio, but that was a long time ago. With Netflix, YouTube and CraveTV, its inevitable, the movie industry is taking a hit. I used to go to the movies once per week, but I no longer do that anymore. The world as we used to know it just keep changing and all of those changes have an effect on the investments we hold. Just like for PBH yesterday, CGX didn't meet the analyst's expectations, and in result, CGX went down on the TSX today. It's never fun to see a stock going down, even its a stock that I don't hold myself. But its how it is. And what will make you successful in the long run is the ease to make good decisions for yourself when difficulties arrived. If you are scared to lose money on a stock that is going down, the solution is easy: sell that damn investment before its too late!

As you may know, I have big margin debt, but with a big margin can comes big problems. I never had any problem with my margin, but at a point, as I am getting older and not younger - this babe will be turning 40 in 2 years!!! - I need to be more careful and it would be much better to begin paying off that big fat margin as I like to call it now, because I wouldn't like to retire and be holding to some debt, and I wouldn't like to work forever...

After the move of today, I estimate my net worth to be in the $201 000, which is not too bad, knowing the conditions we are in. After all, the TSX is still under the old 16 000 points. I will try to update my investment portfolio this upcoming weekend, just to get a better idea where I am actually standing.

I had a small amount in cash inside my TFSA account, which had been there like forever now because I am just getting all crash in by the TSX and your baby can easily get lost. But I am back on track, and I decided to make a small investment in Agellan Commercial Real Estate Investment Trust (ACR.UN). I find this one in one of my Stockopedia's favorite screen: neglected firms.

Excluding the PBH shares that I sold earlier today and including the new investment, I will make probably tomorrow in ACR.UN, my new dividend income with being of $8 372.17. It's, of course, a decrease of where I use to be, a difference of -$338.54, but I am saving $500 in interest on my big fat margin.

Following my investment in ACR.UN, I am looking forward to maybe invest in the following:

RCI.B

PBL

MTY