Investors, time has come to meet Smoothie and Milkshake

Feeling bad because the TSX suddenly lost over 100 points today? That suck, but I have the perfect remedy for disastrous days on the stock market: meet Smoothie and Milkshake, the most adorable cats of the Internet:

Soooo sweet! They are both just too cute to be real. Smoothie is just a tiny little princess, but she's certainly full of life, while Milkshake is the fluffiest kitty I have ever seen. Do you feel any better now? I know I do :-) 

Since the TSX was closed yesterday, today was the day when our Canadian market had to digest the current US-China trade war that is going on. It's not fun, the TSX could eventually go even lower, but there's nothing we can do about it. It's worrying, but I doubt that Trump will remain on his position for too long, especially knowing that we are already in the spirit the upcoming 2020 US elections. In term of stocks, we never remain in a downturn for too long. One thing you need to keep in mind is that we live in a capitalist world, and no matter what, the stock market always rebounce, sooner or later. The stock market will always go up, because it was built to do so, and for the rich to get richer with just no dead end to it. For now the 11 years I had been investing in stocks, I went through rough path, but I always invested little by little, and today, 11 years later, I have a net worth of more than 200k. I was able to do so because I never lost faith in the stock market. We can doubt about the good leadership of Donald Trump, but never doubt of the stock market.

Saying goodbye to Hydro One Limited (H) and welcoming Brookfield Asset Management Inc. (BAM.A) in my TFSA portfolio!

I just came back this week from my summer vacation in New Brunswick. It's the reason why I haven't posted anything for quite a long time. I now have a bunch of stuff I want to write about. While being away, enjoying the sun and beach, eating lobsters, drinking beer and wine, the TSX hit at some point the 16 600 points! I was quite happy with the achievement. For a moment, it almost felt like we were on the road for more steady gains. It looked like I had my chances to hit on the 240k+ net worth after all right in time for my birthday... but that happy time didn't last long. And it's all the fault of Donald Trump. I just hope China will remain strong in front of Trump. The United States always taught of themselves as international leaders. Now is the perfect time to break that pattern and bring them down. Especially since they had cut their interest rate. The US can be financially destroyed, but that can only be done if China remains strong and don't obey to Trump. In other words, China needs to be much stronger than Canadians in front of the US. The US had became the enemy of the modern world, destroying all of our economical security.

I didn't have time to make the announcement, but earlier this week, I had sell all of my shares Hydro One Limited (H). Ever since I had been holding on to Hydro One, that stock never completely pleased me and never sharply delivered. The chart of that stock always been all over the place. I had been holding to Hydro One Limited (H) since it's early beginning in 2015. At first, H makes its entry in my non-registered portfolio, and later on, I proceed with a contribution in kind of H for my TFSA portfolio. Since 2015, inside my non-registered portfolio or inside my TFSA portfolio, Hydro One Limited (H) never had been a super strong achiever with an amazing chart. I basically had lost my time with this one. So when I realized that was able to sell Hydron One without facing any loses, I did so. The time had come. Let say I had experimented that shit stock so you don't have too. At the age of the early beginnings, I was hoping to have in Hydro One exactly what I had with my investment in Fortis Inc. (FTS): a super stong chart with just amazing juicy dividend returns. But as time passed by, I realized that Hydro One Limited (H) would never become a mini Fortis Inc. (FTS). I had been quite disappointed by Hydro One. And with Doug Ford in Ontario, I have no confident what so ever that anything super great can comes out of Hydro One. It's now the perfect time to run out of it, and run to safety, in another stock that might be more reliable.

Another reason why I decided to sell H is that we may be facing a recession or more struggle on the stock markets. I want to face those upcoming hard times by standing strong with only my best worrior dogs by my side. I guess you might know by now that I had a fatal attraction for Brookfield Asset Management Inc. (BAM.A). Following the sell of H, I had bought Brookfield Asset Management Inc. (BAM.A) inside my TFSA portfolio. BAM.A is the type of strong stock that I belive I can rely on in order to look good on the stock market. BAM.A will probably perform better than Hydro One Limited (H) for the long run.

So this past week - quick recap - I came back from vacation AND I sold H, and bough BAM.A. But that's not all!

I spent quite some $$$ during my vacation, eating seafood, shopping at Moncton, drinking beer, wine, eating out.... I had spent some money. But what's the point of having a net worth of more than $200 000 if it's not to spend money from time to time? However, following period of heaving spending, I quickly get back on my lead and become frugal. And what about trading like a "man"? Trading for just trading? Only for the money, nothing else. I have the ultimate stock for that specific purpose.

I do not really like this company, but like a good girl, I follow the stock market. And if the stock market loves a stock, it would be a shame to push it away. Ever since I discovered this Quebec stock, I always kept my eyes and it. I knew it would be the perfect stock to buy and sell in a hurry for some quick fabulous gain: Lightspeed POS Inc. (LSPD). Personally, I strongly believe that LSPD is among the best Canadian stock to perform day trading on. Nothing is guaranteed, but I had trade LSPD in the past and I had been able to make a profit on it quite quickly. I don't understand why LSPD has experienced such fabulous success on the TSX. LSPD is still today on a high momentum and it would be crazy not to benefit from it. Its title moves quite quickly, so you might have to watch it closely. I had bought last week some LSPD stocks, and I hope to sell them soon to make for some hot gains. At this time, I am not willing to play on other stock, only Lightspeed POS Inc. (LSPD)., and only for a small amount of money.

That being said, my non-registered closed this past Friday session at $112 398.36, my TFSA portfolio at $77 775.61, my US portfolio at $3 340.40 US and my RRSP portfolio at $45 255.42. After paying down all my vacation expenses, I had been able to keep a $2 000 in my chequing account. My margin account debt is now at $45 640.89. I estimate my net worth to be in the $220 000. This is not too bad knowing that the TSX is way under the 16 500 points. We closed Friday at a low 16,271.66‬ points, losing more than 100 points in the process. Days when we are losing 100+ points are not good days, and it always has bad effect on a portfolio like mine, who's quite heavy in term of stocks.

I now have a $500+ in cash in my RRSP portfolio, that money comes from different dividend distributions. That allow me to place another investment inside my RRSP portfolio. Who will be the happy winner? For this investment, I don't want to play, I want something easy to hold, that I will be able tohave in my RRSP portfolio for the long run. I don't know yet for sure what that investment will be made of.

Contribution in kind for my TFSA: Aecon Group Inc. (ARE) and ATCO Ltd. (ACO.Y)

I just updated my monthly expense for the month of June. For the month of July, just be ready to probably see no saving at all or really little because I have a 2-week vacations coming up and it's going to be happy spending time! I also recently pay for the renewal of my driver licence (exactly $84.69!!). Following July, August and September are going to be quite easy and on low spending, as well as the month of  October, even if I always visit home in October for the hunting season. My October vacations are usually quite inexpensive.

For 2019, I still had several thousands left in contribution room for my TFSA. That's because the year before, I sold a couple of my stocks that I was holding inside my TFSA, and I got the money transferred in my non-registered to pay down my margin debt. I decided to take my Aecon Group Inc. (ARE) and ATCO Ltd. (ACO.Y), and got them both transferred inside my TFSA. I am curretly not experiencing a gain on both of them. We are almost there when it comes ot ARE. As for ACO.Y, that stock had been a bit more difficult to hold, but I like it anyway. After this, I still have a couple thousands left in contribution room for 2019. The plan would be to save a couple thousands by the end of the year and invest that money inside my TFSA.

In result of that recent move, my non-registered portfolio closed this past Friday session on a tiny $117,192.32‬, my TFSA portfolio now standing strong at $77,822.57, and my RRSP portfolio - stocks only - is now at $45,827.44. Currently, I have abit more than $700 in cash in my TFSA - that money came from dividend earnings. In my RRSP stock portfolio, I have bit over $400 in cash, also coming from dividend distribution. So what should I get? I don't know for sure. It could be the fault of the nice weather we had for the last couple days in Montreal, but I don't have my mind on investment right now.

The month of June 2019: budget in review

Fix expenses:
Rent: $680
Internet + cable: $82.93
Cell: $40.24
Gym membership: $14.38
Insurance: $7
Total: $824.55

Food:
Grocery: $367.59
Coffees: $29.42
Eating out: $203.60
Wine: $34.50
Total: $635.11

Hair:
Highlights: $137.97
Hair cut: 63.24
Total: $201.21

Clothes:
Jean coat: $112.68
Purse #1: $5
Purse #2: $73.58
Total: $191.26

Others:
Cleaning products: $35.61
Lottery ticket: $6
Laundry tickets: $30
Personal care products: $243.66
Total: $315.27


Toal living expenses: $2,167.4‬0
Margin debt interest rates: $225.35
TOTAL EXPENSES: $2,392.75‬

Income:
Non-registered dividend: $566.07‬
TFSA dividend: $163.68
RRSP dividend: $49.43
Paycheque: $2 643.24
Items sell on Kijiji: $84
TOTAL INCOME: $3,506.42

MONEY SAVE: $1,113.67‬

My debt situation on date of June 24, 2019

Margin account: $45 759.14 @ 5.50%
Annual interest: $2,516.75
On date of June 24, 2019

*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 June 24, 2019

Cold cash: $2,190‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,183.64‬

Methanex Corporation (MX): $6,188.24
Fortis Inc. (FTS): $6,573.75
Pembina Pipeline Corporation (PPL): $30,846
Corby Distilleries Limited (CSW.A): $2,489.29‬
iShares S&P/TSX Capped REIT Index (XRE): $2,932.16‬
New Flyer Industries Inc. (NFI): $4,241.6‬0
TMX Group Inc. (X): $733,92‬
K-Bro Linen Inc. (KBL): $4,034
TransCanada Corp (TRP): $1,637
Canadian National Railway Co (CNR): $10,940.40
Enbridge Inc. (ENB): $15,275.70
Emera Inc. (EMA): $1,361.5‬0
BCE Inc. (BCE): $1,322.64
Saputo Inc. (SAP): $1,563.2‬0
Lassonde Inc. (LAS.A): $1,956.80
Loblaw Companies (L): $806.40
Savaria Corporation (SIS): $6,834.74
ATCO Ltd. (ACO.Y): $2,658
WSP Global Inc. (WSP): $3,535.5‬0
Aecon Group Inc. (ARE): $1,940
Aphria Inc. (APH): $1,870
George Weston Limited (WN): $99,20

TOTAL: $121,023.68

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,654.80
General Mills Inc. (GIS): $1,717.44
Cash: $26,66

TOTAL: $3,398.9‬0 US: $4,556.91 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $935.20
CT Real Estate Investment Trust (CRT.UN): $1,448‬
Canadian National Railway Co (CNR): $4,862.40
Exchange Income Corporation (EIF): $38.33
Brookfield Infrastructure Partners L.P. (BIP.UN): $3,741.95
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,364.40
Andrew Peller Limited (ADW.A): $2,352.8‬0
Hydro One Limited (H): $2,445.42
Toronto-Dominion Bank (TD): $1,536‬
Boyd Group Income Fund (BYD.UN): $5,000.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN):
Data Communications Mgmt (DCM): $8.40
Morneau Shepell Inc. (MSI): $2,675.70
Royal Bank of Canada (RY): $4,199.60
Park Lawn Corporation (PLC): $1,740
Toromont Industries Ltd (TIH): $2,446
BCE Inc. (BCE): $541.08‬

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,096.5‬0
Sienna Senior Living Inc. (SIA): $1,566.40
Boralex Inc. Class A Shares (BLX): $802.8‬0
Richelieu Hardware Ltd. (RCH): $1,012‬
Savaria Corporation (SIS): $925.4‬0
Northland Power Inc. (NPI): $2,550
Calian Group Ltd. (CGY): $2,516‬
BMO Bank of Montreal (BMO): $1,995.6‬0
Canadian Utilities Limited (CU): $1,568.70
WSP Global Inc. (WSP): $1,767.70
Granite Real Estate Investment Trust (GRT.UN): $620.3‬0
Cargojet Inc. (CJT): $2,437.16
Nutrien Ltd. (NTR): $3,618‬

TFI International Inc. (TFII): $3,186.4‬0
Canadian Imperial Bank Of Commerce (CM): $3,154.50

SIR Royalty Income Fund (SRV.UN): $1,279.2‬0

Cash: $642,89

TOTAL: $72,556‬

RSP investment portfolio: 
Emera Incorporated (EMA): $15,521.1‬0
EnCana Corporation (ECA): $681.48‬
Toronto-Dominion Bank (TD): $2,304‬
Telus Corp (T): $2,420
Royal Bank of Canada (RY): $2,099.80
Savaria Corporation (SIS): ‬$2,670.44
Thomson Reuters Corporation (TRI): $3,123.72
Park Lawn Corporation (PLC): $5,800
Richards Packaging Income Fund (RPI.UN): $1,445.73‬
Toromont Industries Ltd (TIH): $428.05
CAE Inc. (CAE): $2,426.2‬0
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,552.85‬
Boralex Inc. Class A Shares (BLX): $1,003.5‬0
Quebecor Inc. (QBR.B): $786
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $283.50
Brookfield Renewable Partners L.P. (BEP.UN): $864.12
Cash: $402.7‬0

Total: $45,813.19‬      

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,957.79‬

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

GIC National Bank: $1 342.86              

Manulife Fidelity NorthStar GIF CAP B: $1,670.15
Manulife Simplicity Growth Portfolio: $1,410.68
Maritime Life CI Harbour Seg Fund: $1,238.14
Maritime Life Fidelity True North Seg Fund: $1,189.52
Manulife GIF MLIA B World Invest: $1,267.35
Total: $6,775.84

Other various: $13,565.17‬

TOTAL: $71,534.6‬0

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

On date of June 24, 2019
$271,896.19‬

Check out those super great videos of the Dividend Girl on YouTube!

You are not hearging much of me for multiple reasons, and one of them being that I am taking little videos of some of the shows I recently went to on YouTube:

SANS PRESSION!!!! Crazy but respectful crowd.

I like that kind of videos where there's no editing at all, and the zooming goes in and out in the wood and the screen is shaking up and stuff. Rock on baby, rock ON. Aahah! And just to naturally add to the excitement of the past hot couple days, the TSX is getting back in track! Will we go back to the old 16 600, 16 700 points anytime soon? My answer to that is YES. Nothing is impossible, especially since the TSX closed today session at 16,503.35‬ points. In result, my non-registered portfolio closed today session at $121,112.2‬0, my TFSA portfolio at $73,050.81. I was so happy by the boom that I allow myself to buy a coffee ;-)

I had a quick look at all of my baby stocks, I didn't proceed with any sell or buy. Aecon Group Inc. (ARE) had caught me, I am getting stronger on the stock and I am almost experiencing a gain on ARE. Go go go ARE! The $250 000 net worth is just around the corner.

Have a good summer.

I am having some problems with TD Direct

The TSX closed on a positive note, but nothing really exciting. is going on. This is kind of the perfect time to go on a vacation right now. I guess you could take a whole week off, come back, and things would be exactly the same. This is what the TSX gave me as energy lately: nothing at all. While being in a state of no excitement, the TSX left me today with a non-registered portfolio at $119,476.51‬, my TFSA portfolio at $72,134.67 and my RRSP, at $45,267.67.

I don't know what's going on, but I had proceed with a transfer from my bank account to my margin account, and my Caisse called me today to say that TD had refused my payment?!!! But I proceed with this type of transfer ALL THE TIME!??? So I just hang up with TD. First, I notice that my Transfer button to transfer from my margin to my internal credit lines (I got 2) was no longer in the upper corner right in my broker account. DRAMA. But than, I discover that it's under My Account - Cash transfers and foreign exchange. I don't know why they had proceed with such change. It was a lot more user friendly to have a Transfer button right in my face. They had place to leave it where it was before, there's plenty of space in the upper corner right.

But the mystery remain regarding the payment that TD had refused. Like this is a complete mess. I am not happy TD Direct. I taught: ok this is it, after all those years of managing my margin like a pro, it's now that I am getting margin f"ck like a sucker?! But I have over 31k left of available money on my margin?? COME ON TD Direct, stop treating me like shit. I am going to proceed with the payment one more time, and if it get refused, I will simply open a new broker account someplace else, or start something like what could be a second portfolio someplace else.

Because when you think about it more seriously, I have big chuck of my little fortune with TD. If something get wrong, like that non received payment - but more dramatic problem - if anything happen, I am in a bad position. CIBC always been really great to me so I taught about opening an brokerage account with them, but what stop I think was that a minimum was required, so I don't know. I need to check it out.

Brookfield Asset Management Inc. (BAM.A): in the radar of Christine Poole

Christine Poole, CEO and managing director at GlobeInvest Capital Management was at BNN for the Market Call. Like me, Poole like BAM.A, but I doubt she actually loves it as much as I do. I do not own it yet in my portfolio, but one day it will.

Currently, the stock market is not fun or exciting, it's actually pretty boring out there right now. I am trying to concentrate on saving money. I am just at the breaking point where I would really like to get a hair cut to get exactly the same Marilyn Monroe hair cut I got right before my Easter vacation. I could afford, but that would take away $65, but I am really determined to keep that $65 in my pocket for the month of June. If I let my hair growth, the process will actually be quite easier because I will be able to attach them. My next hair cut could only be in August... I, however, doubt, because I never can stand myself really long without having my hair trim. Having curly hair is not helping my case. I have everything playing against me. I am a woman (being a woman cost more than being a man), I have curly hair, I love coffee, and I have a huge appetite.

With the nice weather, it makes it somewhat easier and not to save money. The sun brings in the idea of new clothes, like pretty summer dresses... but I made another commitment to myself: not to purchase any clothes this summer. The only thing that I may allow myself is just a pair of new sandals, but I can do without. I have an upcoming 2 weeks vacation in July. In those 2 weeks, I will probably be spending most of the saving made in June. That's why I am trying to go easy in June. If I don't buy any makeup and clothes, chances are that I will probably be able to save at least $1 500. But that's all mine to do.

When the summer finally began like it did for this past weekend, I usually get a pedicure. So far, I did my nails myself, but it's always easier and fun to have them done. But I didn't. The amount of money I saved by doing my nail myself is $40. It's actually quite some money. If you add up all of the little savings you can do in a month, you could, like me, exceed in the 1k in saving every month. But it's something that requests some sacrifices. I used to go to the movies one a week, I no longer do that anymore, I used to get my nails done from time to time, I don't anymore... Stuff like that. Those type of savings help a lot because I do spend some money on coffees and eating out. I, however, try to control the expenses made in those areas. Clothes shopping is another area that can eat up your bucks, as well as makeup and beauty products.   

It's not easy to save money in Montreal, there are too many spending temptations in this damn city. While trying to save some bucks, you need to have that precious idea in your head on a daily basis. And be strong, while fighting your demons.

My precious baby Richards Packaging Income Fund (RPI.UN) is doing kind of fine

I hope you had enjoyed my last three posts with my unknown Mr. Handsome lol. I had some other stuff to post. I also went to Little Italy with the past weekend and Old Montreal. We have really awesome weather so I went a bit everywhere it was free for Formula 1. So more pictures to come! I was finally able to complete my monthly expense post for the month of May. I was able to save $1,175.59 without much deprivation. I hope to save again big bucks in June. That way, I should be able to cover my vacation expenses. This month so far, I had sold for $84 worth of stuff on Kijiji. Basically second-hand items that I no longer use. I wish to sell a bit more, but it's not exactly an easy task to sell stuff on Kijiji. I won't expose my trick here because it's already hard enough to sell anything at all there, and you already gifted by knowing my best stocks.

In term of budget, I had received bad news, my monthly rent had increased by $10. Starting on July 1st, my rent will be $690, instead of $680 per month. Currently, in Montreal, there's a lack of available apartment. I had tried before to find another apartment, but it's terribly difficult to find a clean well-maintained apartment block where rent is under $700. I had visited many dirty places. Montreal is getting more and more expensive, as well as dirtier. I don't expect to stay forever here. Montreal is a debt hole track. There's a lot of things to do here, but Montreal is not a functional city. Nothing work well, there's construction a bit everywhere, public transportation is jam pack. During the summer, it can get extremely hot in the summer. I am just happy that I don't have to use public transportation everyday. All quality services are hard to receive. Montreal is not the perfect spot where to grow as an individual and to have a nice career. People are just distusting here. I find Quebeckers to have poor intelect. I try to minimize my interactions with them to the strict minimum while having to be here. but just give me a few more years, and I will be out of this hell zone.

This being said, today wasn't exactly a good day for the TSX and my portfolios are doing ok. My non-registered portfolio closed today session at $119,458.32, my TFSA portfolio at $71,896.22, and my RRSP portfolio at $45,107.9‬0. My really fabulous Richards Packaging Income Fund (RPI.UN) gains 6.75% today. RPI.UN had been in my portfolio since July... 2016! I also remembered that UFO song. It's been 3 years ago. I guess I didn't take time to read myself because a sentence is kind of sounding strange in there lol. But it always make me laugh to read old posts for all kind of reasons. I am just really greateful to be an anonymous blogger. In your face.