Those days, Canadian investors are being treat well by the TSX - and that include ME

My TSX closed on a good 17,621.78 points. Today, it was only a 21.92 points gain, but in my world, any gain, no matter as small as it can be, worth celebrating. Don't you ever forget that everything that go up, sooner or later can go hit the ground in a matter of nothing at all, just to smash you down. I may be getting closer to my first $300 000 - this sounds quite good - but it's no time to get arrogant. For the TSX, the 18 000 points are no longer that far away. And it's what I need to hit on my magic number. Let's not forget that I currently need less than $48 000 to make it happen. 

With a potential epidemic crisis coming straight from China, I am not quite sure if this is the right time to invest in anything new. And guess what, I don't even feel into investing in something at the present time. Nothing is really moving me. Things can remain as they are for my portfolio because everything is ok. My investment portfolio is much more than just a gorgeous thing that I keep exhibiting over, over and over again my blog. It's all heart and soul. In my case, my portfolio is a work of art and perfection had almost been reached. I may post another update my portfolio this weekend - again, if the TSX closed tomorrow on a gain, no matter how big, or how small. I am simply asking for a gain.

I know that rather than having a 4k in cash laying in my TFSA portfolio doing nothing, I should get it transferred over my non-registered to pay down my margin, but as explain previously, owning money inside a TFSA portfolio is a privilege, it should remain there. I do not believe in RRSP. RRSP is a trick that the government came with to make even more money on the back of poor citizens. Once you retired, you have to pay huge amount of tax on that money. Sooner or later, you have to pay. I only contribute to my RRSP via my job, but other than that, I won't ever contribute of my hard earn money to a RRSP. It's way better to use the TFSA and non-registered portfolio. That way, you can do whatever you want with your money, and you can benefit from it whenever you need it. I regret investing that much in my RRSP portfolio. I would have like to have it inside my TFSA or non-registered portfolio instead. RRSP is nothing more than bullshit.

Celebrating my $251,997.99 highest net worth value EVER with... a Conair Unbound Cordless Curling Iron!

This week had been quite amazing for my portfolio. Day after day after day, my portfolio followed the TSX and simply did what it needed to do: skyrocket high. It's been a fun past week. I do not remember experiencing such growth in a short period. Actually, I do not remember having my TSX on such positive gains for that many days in a row. Days like that need to be enjoyed and remembered as happy ones, because you never know what is going to happen next for the stock market.

While I was freezing in Montreal today - I am quite sensitive to the cold weather, despite being a cold bread New Brunswicker - my TSX did it again! Today, the TSX closed on a positive gain, at now 17,597.39 points, my TSX is better than ever. I didn't have time to write anything about it this past weekend, but you may have noticed, I published - again - a portfolio update. And the good news is that I am currently on my highest value EVER: $251,997.99. To celebrate my first $250 000 net worth value that I reached just a few days ago, on January 16, I bought myself... A MEGA HUGE DIAMOND RING lol. Na, just kidding..... But I did buy myself a little treat. I bought a cool gadget for my hair: the Conair Unbound Cordless Curling Iron.

As you can see, it's a must-have, even for girls who have curly hair like I have. It's nice to have some define curls withing the hot mess of hair. I bought mine at Shoppers, paying $140+ taxes for it, but it's money well spent. I just adore my new Unbound Cordless Curling Iron. I like this tool because it's quite quick to heat on and making amazing curls is easy as 1-2-3. Another thing that I love is that you cannot burn yourself by using this curler.

On this amazing day for the TSX, my non-registered portfolio closed today session at $123,112.64, my TFSA portfolio at $86,822.18, and my RRSP portfolio, stocks only - $50,321.30. During that time, Jean-François Tardif's JFT Strategies Fund (JFS.UN) is not even strong enough to be able to make it to the $15 per unit. I mean, come on! I am glad not to hold any JFS.UN in my portfolio. I want to hold to the best of what the TSX has to offer, and that excludes  JFT Strategies Fund (JFS.UN. Smart investors don't invest in some funds that are managed by Quebec managers. It's quite an easy task to figure out bad investments from a good one. Fact that Jean-François Tardif is a well-known investor doesn't change the fact that his JFT Strategies Fund (JFS.UN) had been made for morons only, which may be strictly for Quebecker investors ONLY. I clearly see where I don't want to see my beautiful money in, but it's quite harder to find what to invest that cash that I hold inside my TFSA portfolio. I have close to 4k in cash in my TFSA portfolio, and I just have no clue what to do with it. Jean-François Tardif is of no help at all. In a portfolio, there's just no place for mediocre fund managers like Tardif. Don't get impressed by the look, the speech, the manners. What you really need out there are investments that will who are stronger then you are. No time for bullshit like JFT Strategies Fund (JFS.UN).

For I think the first time of my investment life, I am in no rush to invest my money in something new and I just don't care much. It's quite unfortunate, but I no longer have that $4,942.63 in cash inside my savings account because I had: to pay my rent, and pay some credit card bills. So there will be no diamond ring, too bad! :-))))

My investment portfolio on date of January 17, 2020

Cold cash: $4,942.63

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,451.84

Methanex Corporation (MX): $5,490.16

Fortis Inc. (FTS): $7,186.93

Pembina Pipeline Corporation (PPL): $37,411.64

iShares S&P/TSX Capped REIT Index (XRE): $3,140.30

New Flyer Industries Inc. (NFI): $3,279.26

TMX Group Inc. (X): $936.16

K-Bro Linen Inc. (KBL): $4,164.00

TransCanada Corp (TRP): $1,771.25

Canadian National Railway Co (CNR): $11,305.80

Enbridge Inc. (ENB): $17,956.83

Emera Inc. (EMA): $1,453.75

BCE Inc. (BCE): $1,366.20

Saputo Inc. (SAP): $1,595.20

Loblaw Companies (L): $820.56

Savaria Corporation (SIS): $7,336.00

WSP Global Inc. (WSP): $4,700.50

Aphria Inc. (APH): $1,376.00

George Weston Limited (WN): $105.74

TOTAL: $122,848.12

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,841.60

General Mills Inc. (GIS): $1,723.20

Cash: $13.33

TOTAL: $3,578.13 US: $4 669,82 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,637.00

Canadian National Railway Co (CNR): $5,024.80

Exchange Income Corporation (EIF): $44.09

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,669.90

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,814.10

Andrew Peller Limited (ADW.A): $1,931.20

Toronto-Dominion Bank (TD): $1,482.40

Boyd Group Services Inc. (BYD): $6,685.80

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,896.20

Data Communications Mgmt (DCM): $1.86

Morneau Shepell Inc. (MSI): $3,096.90

Royal Bank of Canada (RY): $4,262.00

Park Lawn Corporation (PLC): $1,809.00

Toromont Industries Ltd (TIH): $2,888.00

BCE Inc. (BCE): $558.90

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,674.00

Boralex Inc. Class A Shares (BLX): $1,055.20

Richelieu Hardware Ltd. (RCH): $1,329.40

Savaria Corporation (SIS): $980.00

Northland Power Inc. (NPI): $2,836.00

Calian Group Ltd. (CGY): $2,997.00

Canadian Utilities Limited (CU): $1,682.94

WSP Global Inc. (WSP): $2,350.25

Granite Real Estate Investment Trust (GRT.UN): $696.50

Cargojet Inc. (CJT): $3,277.58

Nutrien Ltd. (NTR): $3,061.00

TFI International Inc. (TFII): $3,607.20

Canadian Imperial Bank Of Commerce (CM): $3,263.10

SIR Royalty Income Fund (SRV.UN): $683.20

ATCO Ltd. (ACO.Y): $3,060.00

Aecon Group Inc. (ARE): $1,774.00

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $3,092.44

Metro Inc. (MRU): $2,069.86
Alimentation Couche-Tard Inc. (ATD.A): $535.20

Cash: $3,813.72

TOTAL: $86,653.66

RSP investment portfolio: 

Emera Incorporated (EMA): $16,921.65

EnCana Corporation (ECA): $575.64

Toronto-Dominion Bank (TD): $2,223.60

Telus Corp (T): $2,565.00

Royal Bank of Canada (RY): $2,131.00

Savaria Corporation (SIS): $2,828.00

Thomson Reuters Corporation (TRI): $3,711.24

Park Lawn Corporation (PLC): $6,030.00

Richards Packaging Income Fund (RPI.UN): $1,601.82

Toromont Industries Ltd (TIH): $505.40

CAE Inc. (CAE): $2,711.10

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,967.25

Boralex Inc. Class A Shares (BLX): $1,319.00

Quebecor Inc. (QBR.B): $834.00

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $271.25

Brookfield Renewable Partners L.P. (BEP.UN): $1,148.93

Leon's Furniture Limited (LNF): $574.60

Cash: $329.47

Total: $50,248.95    

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,123.32

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

Natural Resources Term Savings (Indexed term savings): $502.45

GIC BN: $1,359           

Manulife Fidelity NorthStar GIF CAP B: $1 773,61

Manulife Simplicity Growth Portfolio: $1 487,87

Maritime Life CI Harbour Seg Fund: $1 384,87

Maritime Life Fidelity True North Seg Fund: $1 321,96

Manulife GIF MLIA B World Invest: $1 260,85

Total: $7,229.16

Other various: $16,046.85

TOTAL: $79,087.03

Social Capital at Desjardins Membership share: $35

Online money: $18.19

Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$298,254.45

On the date of January 17, 2020

My debt situation on date of January 17, 2020

Margin account: $46,256.46‬ @ 5.50%   Annual interest: $2,544.11 On the date of January 17, 2020
*For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

I finally made it! My net worth is now exceeding $250,000! YEAH!

This is it!!!!!! 

Ahhhhhhhhh!!!!!!!!!!!!!!!!!!!!!!

Actually, my net worth is now at $250,595. With a TSX closing at 17,484.77 points, I knew that I was definitively on my highest value EVER! These days, the TSX set record highs day after day after day! Again today, I updated my investment portfolio. You may have noticed, on the date of today, Corby Distilleries Limited (CSW.A) is no longer from my non-registered portfolio. I decided to sell CSW.A. I was able to cash in a nice profit. The money went to pay down my margin account, which is now at $46,242.32. I now have $4,942.63 in my savings account. I will do my best to have a 5k for February and keep it that way.

I still have close to 4k in cash inside my TFSA portfolio. I will have more time this weekend to think about my next investments. This evening, Enquêtes, a French TV journalist show put the spotlight on a company that I own in my non-registered portfolio for many years: Spauto Inc. (SAP). Lino Saputo had a relationship with the mafia. The Saputo family came from Sicilia, where the mafia is from. At that time, it was the only way for them to do business. And let's not forget the really humble beginning of the Saputo family when they arrived in Canada, when Lino had to give his pocket money to his father, so they could have a $500 to start their cheese business in Montreal. It's quite a touching story. And this is exactly the kind of business that I want to hold in my portfolio. I want to hold businesses for which their owners would do absolutely everything they need to do and fight for their achievements. Because their achievements also became my achievements, since I am a stockholder.

The Saputo needed to have good relations with the mafia in order to expand their business in the US and other countries. It was the way it used to be, nothing to be ashamed of. However, Lino Saputo always denied any relations with the mafia. The spotlights are on Saputo Inc. right now because Lino Saputo had the really bad idea to publish his memoirs, in which he denied any relationship with the mafia. I guess for him, the exchanges he had with some mafia members were not wrong, but he should have never written a single word about it. Don't you ever believe that you can become bloody rich by always playing clean, because I don't believe it, especially while being an immigrate. Lino Saputo is the richest man in Quebec, he should have known that sometimes, you need to shut it off. 

I don't mind dirty play from time to time, as long as it doesn't hurt no one. I do not believe in clean business.

My investment portfolio on date of January 16, 2020

Cold cash: $4,942.63

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,461.32

Methanex Corporation (MX): $5,341.44

Fortis Inc. (FTS): $7,067.55

Pembina Pipeline Corporation (PPL): $37,218.72

iShares S&;P/TSX Capped REIT Index (XRE): $3,135.65

New Flyer Industries Inc. (NFI): $3,257.79

TMX Group Inc. (X): $930.16

K-Bro Linen Inc. (KBL): $4,132.00

TransCanada Corp (TRP): $1,753.00

Canadian National Railway Co (CNR): $11,223.00

Enbridge Inc. (ENB): $17,895.81

Emera Inc. (EMA): $1,428.25

BCE Inc. (BCE): $1,354.10

Saputo Inc. (SAP): $1,594.40

Loblaw Companies (L): $816.60

Savaria Corporation (SIS): $7,337.69

WSP Global Inc. (WSP): $4,697.50

Aphria Inc. (APH): $1,354.00

George Weston Limited (WN): $105.16

TOTAL: $122,104.14

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,837.84

General Mills Inc. (GIS): $1,719.04

Cash: $13.33

TOTAL: $3,570.21 US: $4 669,48 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,627.00

Canadian National Railway Co (CNR): $4,988.00

Exchange Income Corporation (EIF): $44.32

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,661.86

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,809.00

Andrew Peller Limited (ADW.A): $1,937.15

Toronto-Dominion Bank (TD): $1,479.20

Boyd Group Services Inc. (BYD): $6,586.50

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,902.50

Data Communications Mgmt (DCM): $1.92

Morneau Shepell Inc. (MSI): $3,107.70

Royal Bank of Canada (RY): $4,246.00

Park Lawn Corporation (PLC): $1,815.00

Toromont Industries Ltd (TIH): $2,863.20

BCE Inc. (BCE): $553.95

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,651.50

Boralex Inc. Class A Shares (BLX): $1,046.40

Richelieu Hardware Ltd. (RCH): $1,299.50

Savaria Corporation (SIS): $982.10

Northland Power Inc. (NPI): $2,829.00

Calian Group Ltd. (CGY): $3,005.88

Canadian Utilities Limited (CU): $1,665.30

WSP Global Inc. (WSP): $2,348.75

Granite Real Estate Investment Trust (GRT.UN): $696.00

Cargojet Inc. (CJT): $3,282.51

Nutrien Ltd. (NTR): $3,069.00

TFI International Inc. (TFII): $3,653.60

Canadian Imperial Bank Of Commerce (CM): $3,258.00

SIR Royalty Income Fund (SRV.UN): $683.20

ATCO Ltd. (ACO.Y): $3,039.00

Aecon Group Inc. (ARE): $1,753.00

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $3,057.86

Metro Inc. (MRU): $2,075.18
Alimentation Couche-Tard Inc. (ATD.A): $533.28

Cash: $3,813.72

TOTAL: $86,379.00

RSP investment portfolio: 

Emera Incorporated (EMA): $16,624.83

EnCana Corporation (ECA): $600.48

Toronto-Dominion Bank (TD): $2,218.80

Telus Corp (T): $2,542.50

Royal Bank of Canada (RY): $2,123.00

Savaria Corporation (SIS): $2,834.06

Thomson Reuters Corporation (TRI): $3,691.80

Park Lawn Corporation (PLC): $6,050.00

Richards Packaging Income Fund (RPI.UN): $1,590.60

Toromont Industries Ltd (TIH): $501.06

CAE Inc. (CAE): $2,718.80

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,951.15

Boralex Inc. Class A Shares (BLX): $1,308.00

Quebecor Inc. (QBR.B): $827.00

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $271.25

Brookfield Renewable Partners L.P. (BEP.UN): $1,145.70

Leon's Furniture Limited (LNF): $575.62

Cash: $328.75

Total: $49,903.40    

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,112.64

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

Natural Resources Term Savings (Indexed term savings): $502.45

GIC BN: $1,359           

Manulife Fidelity NorthStar GIF CAP B: $1 773,61

Manulife Simplicity Growth Portfolio: $1 487,87

Maritime Life CI Harbour Seg Fund: $1 384,87

Maritime Life Fidelity True North Seg Fund: $1 321,96

Manulife GIF MLIA B World Invest: $1 260,85

Total: $7,229.16

Other various: $16,004.93

TOTAL: $78,688.88

Social Capital at Desjardins Membership share: $35

Online money: $18.19

Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$296,837.32

On the date of January 16, 2020

My debt situation on date of January 16, 2020

Margin account: $46,242.32‬ @ 5.50%  
Annual interest: $2,543.33
On the date of January 16, 2020

*For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

Welcoming my highest value EVER: $247,946.18!!!

The TSX closed today on a really good 17,415.17 points, it's highest value EVER. In result, I have also reached my highest net worth value EVER today. I am now at $247,946.18. Between January 9 and today, my portfolio gained 3k. Tomorrow is paycheque day, so we can somewhat say that my net worth is now at $249,256.18! Can someone borrow me $743.82, like right now so I can easily make it to the $250 000? !!! The 250k net worth is not at all far away anyway.

My investment portfolio on date of January 15, 2020

Cold cash: $3,633.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,421.82

Methanex Corporation (MX): $5,396.56

Fortis Inc. (FTS): $7,015.48 

Pembina Pipeline Corporation (PPL): $37,103.60

Corby Distilleries Limited (CSW.A): $2,141.99

iShares S&P/TSX Capped REIT Index (XRE): $3,093.03

New Flyer Industries Inc. (NFI): $3,276

TMX Group Inc. (X): $937.68

K-Bro Linen Inc. (KBL): $4 100

TransCanada Corp (TRP): $1,743

Canadian National Railway Co (CNR): $11,071.80

Enbridge Inc. (ENB): $17,790.72

Emera Inc. (EMA): $1,421.50

BCE Inc. (BCE): $1,344.42

Saputo Inc. (SAP): $1,595.20

Loblaw Companies (L): $807.84

Savaria Corporation (SIS): $7,410.91

WSP Global Inc. (WSP): $4,705

Aphria Inc. (APH): $1,376

George Weston Limited (WN): $104.25

TOTAL: $123,856.80

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,826.80

General Mills Inc. (GIS): $1,707.84

Cash: $13.33

TOTAL: $3,547.97 US: $4 621,59 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,596.00

Canadian National Railway Co (CNR): $4,920.80

Exchange Income Corporation (EIF): $43.83

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,616.97

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,816.20

Andrew Peller Limited (ADW.A): $1,922.70

Toronto-Dominion Bank (TD): $1,467.80

Boyd Group Services Inc. (BYD): $6,390.00

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,833.90

Data Communications Mgmt (DCM): $1.83

Morneau Shepell Inc. (MSI): $3,114.00

Royal Bank of Canada (RY): $4,218.00

Park Lawn Corporation (PLC): $1,807.20

Toromont Industries Ltd (TIH): $2,830.00

BCE Inc. (BCE): $549.99

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,603.50

Boralex Inc. Class A Shares (BLX): $1,045.60

Richelieu Hardware Ltd. (RCH): $1,293.52

Savaria Corporation (SIS): $991.90

Northland Power Inc. (NPI): $2,800.00

Calian Group Ltd. (CGY): $3,028.08

Canadian Utilities Limited (CU): $1,659.42

WSP Global Inc. (WSP): $2,352.50

Granite Real Estate Investment Trust (GRT.UN): $690.30

Cargojet Inc. (CJT): $3,195.22

Nutrien Ltd. (NTR): $3,132.00

TFI International Inc. (TFII): $3,589.60

Canadian Imperial Bank Of Commerce (CM): $3,246.00

SIR Royalty Income Fund (SRV.UN): $683.20

ATCO Ltd. (ACO.Y): $3,015.00

Aecon Group Inc. (ARE): $1,754.00

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $3,010.74

Metro Inc. (MRU): $2,057.70
Alimentation Couche-Tard Inc. (ATD.A): $529.44

Cash: $3,782.05

TOTAL: $85,601.91

RSP investment portfolio: 

Emera Incorporated (EMA): $16,546.26

EnCana Corporation (ECA): $597.24

Toronto-Dominion Bank (TD): $2,201.70

Telus Corp (T): $2,521.50

Royal Bank of Canada (RY): $2,109.00

Savaria Corporation (SIS): $2,862.34

Thomson Reuters Corporation (TRI): $3,633.12

Park Lawn Corporation (PLC): $6,024.00

Richards Packaging Income Fund (RPI.UN): $1,612.05

Toromont Industries Ltd (TIH): $495.25

CAE Inc. (CAE): $2,699.90

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,933.65

Boralex Inc. Class A Shares (BLX): $1,307.00

Quebecor Inc. (QBR.B): $822.00

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $271.25

Brookfield Renewable Partners L.P. (BEP.UN): $1,150.26

Leon's Furniture Limited (LNF): $578.00

Cash: $321.01

Total: $49,685.53   

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,110.17

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

Natural Resources Term Savings (Indexed term savings): $502.45

GIC BN: $1,359           

Manulife Fidelity NorthStar GIF CAP B: $1 766,85

Manulife Simplicity Growth Portfolio: $1 488,02

Maritime Life CI Harbour Seg Fund: $1 380,20

Maritime Life Fidelity True North Seg Fund: $1 260,30

Manulife GIF MLIA B World Invest: $1 322,03

Total: $7,217.40

Other various: $15,981.69

TOTAL: $78,433.54

Social Capital at Desjardins Membership share: $35

Online money: $18.19

Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$296,200.07

On the date of January 15, 2020

My debt situation on date of January 15, 2020

Margin account: $48,253.89‬ @ 5.50% Annual interest: $2,653.97 On the date of January 9, 2020