Terrible shitty shitty day for my investment portfolio

The TSX lost again some major points today, despite many announcements that been made in both US and Canada. For now, it's really one day at a time on the stock market. Surprisingly, I am taking the hit without too much stress. It's not something that keeps me awake at night. My non-registered registered portfolio closed today at $73,068.69, my TFSA portfolio at $64,171.65, and my RRSP portfolio, stocks only, at $37,822.18. I am in a delicate situation regarding my margin account. I only have left available less than $13 000 in margin cash, this is quite a low amount. I had times when I only had 15k available, but my best number to feel comfortable is between 15 to 20k, and the more is even the better. I do transfers morning and evening, from my credit lines to my margin account, it's a quick 15k that I have available that way. I have access to another $10 000 credit line that I can use, but I will need to go to the bank to use it. The interest rate on that credit line is actually of 6.95%. 

If the TSX loses again points tomorrow, I will need to act, and act fast. But each day being different, let's just pray that I won't have to go out and have a deadly face-to-face with a coronavirus. I actually do go out, just for a quick walk around, but being in a public place, like a bank, doesn't feel like a right place to be. I always have as idea to wake up early in the morning to go for a walk. The morning would be the best time, but it's just too hard. I never been an early bird. Mornings were made to sleep, end of the discussion. The best would be one walk in the morning, and another one once I am done with work in the evening.

These days, the TSX offers great cheap stock. However, I feel that there are some stocks that need to be avoid: the oil and gas stocks, and any stocks related to that sector. For example, Bank of Montreal (BMO) is severely exposed to the oil and gas sectors because as a bank BMO had loaned money to many companies operating in the oil and gas sectors. Among the Canadian banks, BMO has the biggest exposure to those types of loans. For that reason, Bank of Montreal (BMO) needs to be avoided at any cost. In the other hand, stocks like Metro Inc. (MRU), Fortis Inc. (FTS), Calian Group Ltd. (CGY), stuff like that. 

It's just quite difficult right now to be stuck in between the temptation to invest more and my desire to save my margin situation. And that because these days, I am getting poorer and poorer...

Richness now is in toilet papers and Purell, no more in stocks

This weekend, I updated my investment portfolio, and I updated my debt situation today. I didn't post anything else this weekend because I got busy shopping around, it was almost exhausting. My goal was to have enough to cover my needs for one month, which I more or less succeed despite all the money I spent. I would need more fruit and vegetable canes, and also something to drink like maybe Gatorade or something like it. However, this is not a real problem because I live quite close by to grocery stores and others. While packing reserve like this, it seem like I always have something missing. This past weekend, I knew there was something about toilet paper, and I was able to get some on Saturday, but later during the day, all toilet paper was well gone. This toilet paper thing is even a problem that my old folks are facing in New Brunswick. I wasn't able to find any Purell, but I don't mind that much because luckily, I can work from home.

This Friday, I had borrowed 5k from one of my credit line. This is a desperate measure to secure my credit line at an interesting rate. The only problem being that the minimum payment required on that credit line is $300 per month, on the 3th of each month (I was able to pick the date) which is a lot, but I plan to withdraw that $300 paid at the beginning of the month at the end of each month. Today, the TSX plunged again. My non-registered portfolio closed today session at $81,314.68, my TFSA portfolio at $68,023.96, and my RRSP portfolio stocks only at $38,173.18. For now, it's pretty much a day at a time. I will try to invest along the way. And when I will do so, I will invest inside my non-registered portfolio, in order to help my margin account case.

Gyms are closed, among others, which is too bad. Since I am working from home, I will try to get up early so I can take a walk before beginning work, and another walk when I am done with work. If I don't do that, I will gain weight. Despite it all, spring and summer are comings. While at the gym, I could easily burn 600 calories in one hour up to 900 calories in one and a half hours. I won't be able to burn 600 calories only by walking for one hour. For that reason, and also because I want to stretch every dollar spend in my food haul of this weekend, I am more controlling the portion that I eat. 

My debt situation on date of March 13, 2020

Margin account: $41 902.84 @ 5%
Annual interest: $2,095.14

Credit line: $5 000 @ 5.13%

Annual interest: $256.50

Total annual interest: $2,351.64

On the date of March 13, 2020 
  
**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 March 13, 2020

Cold cash: $2,199.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $10,595.01

Methanex Corporation (MX): $2,207.92

Fortis Inc. (FTS): $6,693.12

Pembina Pipeline Corporation (PPL): $21,360.24

iShares S&P/TSX Capped REIT Index (XRE): $2,679.95

New Flyer Industries Inc. (NFI): $2,721.04

TMX Group Inc. (X): $840.32

K-Bro Linen Inc. (KBL): $3,990.00

TransCanada Corp (TRP): $1,485.00

Canadian National Railway Co (CNR): $9,622.80

Enbridge Inc. (ENB): $14,891.76

Emera Inc. (EMA): $1,298.25

BCE Inc. (BCE): $1,228.04

Saputo Inc. (SAP): $1,326.80

Loblaw Companies (L): $797.88

Savaria Corporation (SIS): $5,270.00

WSP Global Inc. (WSP): $3,715.00

Aphria Inc. (APH): $630.00

George Weston Limited (WN): $96.09

Rogers Communications Inc. (RCI.B): $1,769.70

TOTAL: $93,218.92

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,571.20

General Mills Inc. (GIS): $1,711.36

Cash: $26.66

TOTAL: $3,309.22 US: $4 441,30 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,418.00

Canadian National Railway Co (CNR): $4,276.80

Exchange Income Corporation (EIF): $33.53

Brookfield Infrastructure Partners L.P. (BIP.UN): $3,827.71

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,800.60

Andrew Peller Limited (ADW.A): $1,326.00

Toronto-Dominion Bank (TD): $1,222.20

Boyd Group Services Inc. (BYD): $5,721.00

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,759.00

Data Communications Mgmt (DCM): $1.14

Morneau Shepell Inc. (MSI): $2,753.10

Royal Bank of Canada (RY): $5,870.80

Park Lawn Corporation (PLC): $1,435.80

Toromont Industries Ltd (TIH): $2,551.20

BCE Inc. (BCE): $502.38

Boralex Inc. Class A Shares (BLX): $1,030.80

Richelieu Hardware Ltd. (RCH): $1,136.20

Savaria Corporation (SIS): $700

Northland Power Inc. (NPI): $2,688.00

Calian Group Ltd. (CGY): $2,923.74

Canadian Utilities Limited (CU): $1,327.62

WSP Global Inc. (WSP): $1,857.50

Granite Real Estate Investment Trust (GRT.UN): $596.90

Cargojet Inc. (CJT): $2,753.84

Nutrien Ltd. (NTR): $2,168.00

TFI International Inc. (TFII): $2,753.60

Canadian Imperial Bank Of Commerce (CM): $2,533.80

SIR Royalty Income Fund (SRV.UN): $403.20

ATCO Ltd. (ACO.Y): $2,400.00

Aecon Group Inc. (ARE): $1,554.00

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,788.82

Metro Inc. (MRU): $2,124.20
Alimentation Couche-Tard Inc. (ATD.A): $463.20
Fortis Inc. (FTS): $1,830.15
CGI Inc. (GIB.A): $1,671.80
TMX Group Limited (X): $2,626.00

Cash: $274.65

TOTAL: $75,118.20

RSP investment portfolio: 

Emera Incorporated (EMA): $15,267.42

Ovintiv Inc. (OVV): $87.99

Toronto-Dominion Bank (TD): $1,833.30

Telus Corp (T): $2,303.50

Royal Bank of Canada (RY): $1,806.40

Savaria Corporation (SIS): $2,020.00

Thomson Reuters Corporation (TRI): $3,224.16

Park Lawn Corporation (PLC): $4,786.00

Richards Packaging Income Fund (RPI.UN): $1,251.36

Toromont Industries Ltd (TIH): $446.46

CAE Inc. (CAE): $1,950.20

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2,925.65

Boralex Inc. Class A Shares (BLX): $1,288.50

Quebecor Inc. (QBR.B): $766.50

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $217.00

Brookfield Renewable Partners L.P. (BEP.UN): $1,140.38

Leon's Furniture Limited (LNF): $484.50

Bank of Nova Scotia (BNS): $355.14

Cash: $42.26

Total: $42,196.72

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,522.98

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

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

GIC BN: $1 364.49        

Manulife Fidelity NorthStar GIF CAP B: $1 385,95

Manulife Simplicity Growth Portfolio: $1 226,73

Maritime Life CI Harbour Seg Fund: $1 050,08

Maritime Life Fidelity True North Seg Fund: $1 027,24

Manulife GIF MLIA B World Invest: $1 070,63

Total: $5,760.63

Other various: $13 489.19

TOTAL: $66,413.76

Social Capital at Desjardins Membership share: $35

Online money: $34.91

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

$241,461.13‬

On the date of March 13, 2020

The TSX is losing major points. Again

As you may have noticed, the TSX is super volatile these days. Yesterday had closed on a positive gain, but today, the TSX goes deeper into the red zone and closed on a poor 14 270 points, leaving me with a tiny little $97,632.43 non-registered portfolio. On my non-registered portfolio, I have a margin debt of $47,247.72. Currently, I have left available $20,825.11 on my margin. I guess I may have not discussed this really precisely, but I have available $30 000 on my credit lines. I won't hesitate to use that money to save my margin situation, if it happens that I have too. One thing that you need to remember is that there is no hopeless situation when it comes to finances, there's always a solution. Also, I have a 2k in savings, which I could push over my margin if needed. 

Like for example, if tomorrow the TSX continues its bad road, I will transfer some cash to cover my ass. Currently, I have direct access to $17 000, and I may have to do a quick run to access a $5 000 more but even a $15 000 should be enough if the TSX continues to lose major points again tomorrow. It's not a fun situation of course, but I always prepared for the worst and I never had any problems managing my margin account situation in the past. And there's just no sacrifice that I am not willing to make to have this work up so go alone TSX bitch and go as low as you want.

In case you are wondering, my TFSA portfolio closed today session at $77,297.00 and my RRSP portfolio, stocks only, closed at $43,864.08. It's all really bad so if you don't mind, please, I won't even try to calculate what my net worth is at this time. I remain confident that this pandemic will be under control soon enough. I don't want to believe that things are going to be like this for the next couple of months. Italy is doing more than its part. In Canada, no serious check is being done for foreigners coming into the country. This is not surprising. Justin Trudeau being such a jerk. In difficult times, we need a real good strong leadership, not a little boy taking no action at all, like usual. Canda doesn't have what it take to face a pandemic. With Trudeau, we are almost at the same level as a third world country. It could be a good idea to quickly build up a reserve of non-perishable food on the side because don't ever think that our government will come to your rescue if needed. Personally, I really like tuna that comes in olive oil mix with pasta, so I guess I can survive. I don't mind a can of ravioli from time to time, beans, etc. Another favorite of mine: smoked mussels :-) It may sound too much, but I would recommend having a good 3 to 4 weeks supply, and if you can have more, that's even better. Also, I would recommend the purchase of a thermometer - it's something I don't have myself but that I need to buy. With such pandemic, you may feel sick at a point, and if you do, take your temperature. I only had a fever once in my adult life and it felt so strange, I had just no idea what I had. I was shaking from the fever and felt so cold, it was absolutely horrible.

This pandemic won't remain forever, but in the meantime, we have to deal with it. Those days are hard, but I have at least one good news: stocks are cheap. A few good options: FTS, RY, and BCE. If the markets remain low, I will definitively buy some stocks from time to time. I am not tempted at all by the oil and gas sectors, my best advice would be to avoid those sectors. You can't certainly go wrong with FTS, on which I post previously about. Right now, I am tempted by some more BCE stocks.

Yes, my net worth is less lower now, but I had been investing in stocks for something like 12 years now. Over time, I always worked hard to find the best quality stocks to invest in. My results are lower, but my lovely babies, my dogs, are pushing so hard to keep me alive and well. Right now, in my non-registered and TFSA portfolio, I have many stocks that are still in the green zone, here are among the best performers at this time:

Canadian National Railway Co (CNR): + 167.42% 

Loblaw Companies (L): +82.50%

Fortis Inc. (FTS): +89.99%

K-Bro Linen Inc. (KBL): +98.53%

New Flyer Industries Inc. (NFI): +115.22%

TMX Group Inc. (X): +157.66%

Brookfield Infrastructure Partners L.P. (BIP.UN): +93.95%

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): +84.90%

Morneau Shepell Inc. (MSI): +75.14%

BEP.UN: +64.90%

Park Lawn Corporation (PLC): +61.39%

WSP Global Inc. (WSP): +53.17% 

Emera Incorporated (EMA): +49.13%

Enbridge Inc. (ENB): +49.13%

Methanex Corporation (MX): +48.61%

CT Real Estate Investment Trust (CRT.UN): +46.75%
Toromont Industries Ltd (TIH): +34.94%
Saputo Inc. (SAP): +33.88%
BCE Inc. (BCE): +30.75%

Calian Group Ltd. (CGY): +37.58%

iShares S&P/TSX Capped REIT Index (XRE): +28.98%

Pembina Pipeline Corporation (PPL): +24.07%

Boralex Inc. Class A Shares (BLX): +16.57%

Canadian Utilities Limited (CU): +15.57%

Cargojet Inc. (CJT): +16.57%

Northland Power Inc. (NPI): +23.79%

I am quite surprised to have my Cargojet Inc. (CJT) in the +16.57%, because normally, that stock is super volatile. It's quite a good surprise.

A really bad day for the TSX and for me

What a day! My non-registered portfolio closed on a tiny little $100,310.76, my TFSA portfolio at $79,263.23 and my RRSP stocks only portfolio at $44,766.50. It wasn't fun to watch, but while the TSX was losing in the 10% value, the opportunity was just too good, I decided to invest in some Bank of Nova Scotia (BNS) stock. In a result, I now only have left 2k in my savings account. I also invested in some BNS stocks for my RRSP portfolio, since I had a little bit in cash available, coming from dividend distribution. The TSX could go lower tomorrow, that's something that could happen. Personally, when I see that the TSX is not doing well, like for today, I like to withdraw money from my credit line and transfer it on my margin, just to make sure I avoid a margin call. And sincerely, today, I had my cell phone near me. However, in case of need, I doubt that I will ever receive a call, TD could flush me, kill me and sell my stocks without any notice. That's what you get from having a margin account, only worries. But it's nothing that I haven't been able to handle so far.

Investing in such a downturn market is certainly not pleasant, but it's while stocks are cheap that we need to invest. Now is time to focus on ultra quality stocks that pay a good, but reasonable dividend distribution, like for example, Bank of Nova Scotia (BNS). This is not the time to invest in whatever stock. With my new BNS stocks, my overall dividend income is now at $9 563.69.

This coronavirus crisis is bad. Personally, I have asthma, I don't know how bad I could react to that virus, despite the fact that I am pretty strong, thanks to many hours spend at the gym, but I prefer not to know. Luckily, I don't have to take the metro to go to work, I walk. While arriving at work, I go straight to the bathroom to wash my hands because I have to touch two heavy doors, elevator buttons + the office door in order to go to work. I don't share my desk with anyone at work, so my spot is pretty secure. A major concern remains the gym, but lately, I had been to the gym a lot and I am finally losing weight so I am not about to stop anytime soon, no matter what. I wash my hands once I am done and I wash again my hands again once at home. In a day, I wash my hands quite often, but I apply hands cream after, I wouldn't like my skin to break in. This is just basic hygiene, but generally peaking, I won't like, I don't wash my hands once I arrived work, only when I arrived home.

During those hard times, I think it's important to follow the stock market, yes, but also to have other strong interest so the focus is not exclusively put on what is going on out there because it can be nerve breaking. On those goods, I wish you good luck.

An interesting new comer over the TSX: GFL Environmental Inc (GFL)

Today, the TSX welcomed a newcomer: GFL Environmental Inc (GFL). Unfortunately, GSL closed its first day on the TSX on a bad performance of -17.037%. It's not an easy time to be on the market, but still, GFL closed the day of a $22.40 per share. GFL Environmental Inc (GFL) seems to be quite similar to Waste Connections Inc. (WCN). At $131.33 per share, Waste Connections Inc. (WCN) is not cheap, but its overall chart is good. And WCN pays a little dividend. It's not clear if  GFL Environmental Inc (GFL) will pay dividend distribution or not. For its IPO, GFL was something like $25 per share. Back in 2019, GFL had to cancel their IPO, but I guess that the business is just out of luck. For that reason, I will keep an eye on GFL, just by curiosity.

Thank you and goodbye Northview Apartment Real Estate Investment Trust (NVU.UN)

This past Friday had been quite disastrous for the TSX. I had more of a slow day at work, so I was checking on my baby from time to time. At a point during the day, my TSX was hitting below the 16 000 points. It wasn't fun to watch, it wasn't a happy day, but I wanted to benefit from the situation. Derek Foster announced a few days ago that he had sold his shares of Northview Apartment Real Estate Investment Trust (NVU.UN) and I did the same. NVU.UN had been in my TFSA for a little while now. Thanks to Derek Foster, I made a nice profit of $2 561 by selling Northview Apartment Real Estate Investment Trust (NVU.UN). And the best thing being that I made that profit inside my TFSA portfolio, so it's a tax-free profit. Since the TSX was down, it was a too good occasion not to invest in anything, so I invested back the money in TMX Group Limited (X) and in some Royal Bank of Canada (RY).

On top of everything, this past Friday was payday, and I decided to add a little something for my non-registered portfolio. I invested in a few shares of Rogers Communications Inc. (RCI.B). I might proceed with a contribution in kind for my TFSA with that one, especially since I didn't make any TFSA contribution so far in 2020, which is a real shame, but it is at it is. It was important to me to invest a couple thousand while the stock market was all the way down.

Also this past Friday, while seeing the TSX going under the 16 000 points, I quickly transferred what I had available in cash, coming from my credit lines, to help cover up my margin debt. It was a desperate measure, trying to secure everything. One of the reasons why I published a portfolio update this past weekend was to have an idea on how much money I had lost. And it happens that I had lost over 20k, with a net worth of $235,284.72.

Today, the TSX recovers. My non-registered portfolio closed today session at $118,761.75, my TFSA portfolio at $85,400.35 and my RRSP portfolio at $47,813.91. I suspect my net worth to be in the $240 000. I should be able to hit on my highest net worth ever ($257,187.44‬) sometime in 2020.

My investment portfolio on date of February 21, 2020

Cold cash: $3 348.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,164.98

Methanex Corporation (MX): $4,016.48

Fortis Inc. (FTS): $6,896.10

Pembina Pipeline Corporation (PPL): $35,875.68

iShares S&P/TSX Capped REIT Index (XRE): $3,020.95

New Flyer Industries Inc. (NFI): $3,312.03

TMX Group Inc. (X): $887.20

K-Bro Linen Inc. (KBL): $4,345.00

TransCanada Corp (TRP): $1,748.75

Canadian National Railway Co (CNR): $10,220.40

Enbridge Inc. (ENB): $16,936.44

Emera Inc. (EMA): $1,401.75

BCE Inc. (BCE): $1,296.90

Saputo Inc. (SAP): $1,489.20

Loblaw Companies (L): $798.00

Savaria Corporation (SIS): $6,074.25

WSP Global Inc. (WSP): $4,419.50

Aphria Inc. (APH): $972.00

George Weston Limited (WN): $100.93

Rogers Communications Inc. (RCI.B): $1,842.60

TOTAL: $116,819.14

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,651.44

General Mills Inc. (GIS): $1,567.04

Cash: $26.66

TOTAL: $3,245.14 US: $4 309,22 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $11.48

CT Real Estate Investment Trust (CRT.UN): $1,533.00

Canadian National Railway Co (CNR): $4,542.40

Exchange Income Corporation (EIF): $40.50

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,541.26

Brookfield Renewable Energy Partners L.P. (BEP.UN): $2,001.30

Andrew Peller Limited (ADW.A): $1,599.70

Toronto-Dominion Bank (TD): $1,380.80

Boyd Group Services Inc. (BYD): $6,272.40

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,892.00

Data Communications Mgmt (DCM): $1.35

Morneau Shepell Inc. (MSI): $2,974.50

Royal Bank of Canada (RY): $6,474.00

Park Lawn Corporation (PLC): $1,572.60

Toromont Industries Ltd (TIH): $2,651.60

BCE Inc. (BCE): $530.55

Boralex Inc. Class A Shares (BLX): $1,140.40

Richelieu Hardware Ltd. (RCH): $1,259.94

Savaria Corporation (SIS): $809.90

Northland Power Inc. (NPI): $2,970.00

Calian Group Ltd. (CGY): $3,312.98

Canadian Utilities Limited (CU): $1,666.56

WSP Global Inc. (WSP): $2,209.75

Granite Real Estate Investment Trust (GRT.UN): $683.50

Cargojet Inc. (CJT): $2,957.42

Nutrien Ltd. (NTR): $2,689.50

TFI International Inc. (TFII): $3,306.40

Canadian Imperial Bank Of Commerce (CM): $3,064.80

SIR Royalty Income Fund (SRV.UN): $588.80

ATCO Ltd. (ACO.Y): $2,994.00

Aecon Group Inc. (ARE): $1,571.00

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $3,046.84

Metro Inc. (MRU): $1,980.94
Alimentation Couche-Tard Inc. (ATD.A): $490.80
Fortis Inc. (FTS): $1,900.50
CGI Inc. (GIB.A): $1,881.60 
TMX Group Limited (X): $2,772.50 

Cash: $224.41

TOTAL: $83,541.98

RSP investment portfolio: 

Emera Incorporated (EMA): $16,484.58

Ovintiv Inc. (OVV): $325.71

Toronto-Dominion Bank (TD): $2,071.20

Telus Corp (T): $2,420.00

Royal Bank of Canada (RY): $1,992.00

Savaria Corporation (SIS): $2,337.14

Thomson Reuters Corporation (TRI): $3,585.60

Park Lawn Corporation (PLC): $5,242.00

Richards Packaging Income Fund (RPI.UN): $1,411.74

Toromont Industries Ltd (TIH): $464.03

CAE Inc. (CAE): $2,508.10

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,292.80

Boralex Inc. Class A Shares (BLX): $1,425.50

Quebecor Inc. (QBR.B): $779.75

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $234.50

Brookfield Renewable Partners L.P. (BEP.UN): $1,267.49

Leon's Furniture Limited (LNF): $538.90

Cash: $417.14

Total: $46,798.18

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,960.58

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

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

GIC BN: $1 364.49        

Manulife Fidelity NorthStar GIF CAP B: $1 676,73

Manulife Simplicity Growth Portfolio: $1 399,06

Maritime Life CI Harbour Seg Fund: $1 281,80

Maritime Life Fidelity True North Seg Fund: $1 165,03

Manulife GIF MLIA B World Invest: $1 238,65

Total: $6,761.27

Other various: $15,604.77

TOTAL: $74,569.04

Social Capital at Desjardins Membership share: $35

Online money: $18.19

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

$282,640.61

On the date of February 21, 2020

My debt situation on date of February 21, 2020

Margin account: $47,355.89 @ 5.50%    

Annual interest: $2,604.58

On the date of February 21, 2020  
**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.