Historic of my Total assets and Net worth values

So far for 2021...

Total in assets: $379,263.95/Net worth: $330,680.17
October 14, 2021

Total in assets: $364,072.52/Net worth: $315,407.64
July 26, 2021

Total in assets: $358,867.59/Net worth: $311,858.22
June 15, 2021

Total in assets: $354,774.64/Net worth: $307,559.30
June 10, 2021

Total in assets: $348,042.77/Net worth: $300,799.45 - FIRST TIME I EVER REACHED 300k in net worth, on May 26, 2021

Total in assets: $346,583.88/Net worth: $298,486.93: May 20, 2021
Total in assets: $349,651.45/Net worth: $298,435.31: May 7, 2021
Total in assets: $347,002.53/Net worth: $297,614.64: April 16, 2021
Total in assets: $338,188.16/Net worth: $287,914.75: March 11, 2021
Total in assets: $333,970.92/Net worth: $283,675.99: March 9, 2021
Total in assets: $328,881.12/Net worth: $279,611.57: February 10, 2021
Total in assets: $326,670.02/Net worth: $278,758.37: February 8, 2021
Total in assets: $324,891.52/Net worth: $276,979.87: February 4, 2021
Total in assets: $322,236.52/Net worth: $274,318.36: February 3, 2021
Total in assets: $327,639.01/Net worth: $274,298.23: January 19, 2021
Total in assets: $316,192.85/Net worth: $268,180.14: January 7, 2021
Total in assets: $313,003.95/Net worth: $264,915.22: January 6, 2021
Total in assets: $310,587.36/Net worth: $262,498.63: January 5, 2021

2020
Total in assets: $310,392.38/Net worth: $259,661.24: December 31, 2020
Total in assets: $307,812.05/Net worth: $259,070.79: December 24, 2020
Total in assets: $306,444.25/Net worth: $258,948.73: December 4, 2020
Total in assets: $304,701.39/Net worth: $257,331.58: November 27, 2020
Total in assets: $300,956.84/Net worth: $253,587.03: November 24, 2020
Total in assets: $298,903.01/Net worth: $251,533.20: November 23, 2020
Total in assets: $296,643.60/Net worth: $249,158.71: November 20, 2020
Total in assets: $294,514.87/Net worth: $247,145.87: November 11, 2020
Total in assets: $291,172.40/Net worth: $243,802.59: November 10, 2020
Total in assets: $287 803.13/Net worth: $240 433.32: November 9, 2020
Total in assets: $277,872.92/Net worth: $226,678.26: August 5, 2020
Total in assets: $276,627.27/Net worth: $227,745.47: June 6, 2020
Total in assets: $263,304.63/Net worth: $211,395.63: April 29, 2020
Total in assets: $241 461,13/Net worth: $194 558,29: March 13, 2020
Total in assets: $282,640.61/Net worth: $235,284.72: February 21, 2020
Total in assets: $304,955.72/Net worth: $257,187.44: February 12, 2020
Total in assets: $296,200.07/Net worth: $250,595: January 16, 2020
Total in assets: $292,715.58/Net worth: $244,970.41: January 9, 2020

2019
Total in assets: $288,237.52/Net worth: $239,582.44: December 31, 2019
Total in assets: $278,823.27/Net worth: $230,902.04: September 17, 2019
Total in assets: $271,896.19/Net worth: 226,137.05: June 24, 2019
Total in assets: $269 950.21/Net worth: $222 942.87: April 5, 2019
Total in assets: $251 634.94/Net worth: $206 278.84: January 18, 2019
Total in assets: $238 656.07/Net worth: $191 009.83: January 4, 2019

2018
Total in assets: $270 679.86/Net worth: $204 306.57: November 16, 2018
Total in assets: $332 750.88/Net worth: $232 609.15: August 3, 2018
Total in assets: $331 413.83/Net worth: $232 280.40: June 20, 2018
Total in assets: $326 085.75/Net worth: $226 801.92: June 3, 2018
Total in assets: $322 479.23/Net worth: $222 850.15: May 4, 2018
Total in assets: $319 644.86/Net worth: $217 246.23: March 16, 2018

2017
Total in assets: $318 544.64/Net worth: $221 989.65: December 29, 2017
Net worth on the date of November 17, 2017: $211 430.89
Net worth on the date of October 27, 2017: $212 633.39
Net worth on the date of September 29, 2017: $206 352.49
Net worth on the date of April 24, 2017: $204 277.66
Net worth on the date of March 31, 2017: $200 325.69
Net worth on the date of March 29, 2017: $198 299.73
Net worth on the date of March 18, 2017: $193 969.21

2016
Net worth on the date of December 30, 2016: $184 074.35

Net worth after debt on the date of January 1, 2014:
$101 172.99 (yes, finally, IN NET WORTH!).

On the date of February 16, 2011, the TMX hit the 14 000+ points, and I had exceeded the 150k in assets! (Not net worth yet).

On September 9, 2010, I reached $100,000 in assets! (not in net worth yet).

On the date of August 5, 2009, I reached my investment goal: I reached $50 000 worth of assets! (NOW, net worth).

On the date of December 5, 2009, I had exceeded the $60 000 in assets! (not in net worth yet). 

My investment portfolio on date of October 14, 2021

Cold cash: $7,315.44

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

iShares S&P/TSX Capped REIT Index (XRE)

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $137,172.51 

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

Vanguard Russell 1000 Growth Index Fund (VONG) 

TOTAL: $4,358.85 CAN: $5,473.84 US

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI)

CT Real Estate Investment Trust (CRT.UN)

Canadian National Railway Co (CNR)

Exchange Income Corporation (EIF)

Brookfield Infrastructure Partners L.P. (BIP.UN)

Brookfield Renewable Energy Partners L.P. (BEP.UN)

Andrew Peller Limited (ADW.A)

Toronto-Dominion Bank (TD)

Boyd Group Services Inc. (BYD)

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)

Data Communications Mgmt (DCM)

Morneau Shepell Inc. (MSI)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

North West Company Inc. (The) (NWC)

TOTAL: $128,322.46

RSP investment portfolio: 

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

Logistec Corporation Class B Subordinate Voting Shares (LGT.B)

Brookfield Renewable Partners L.P. (BEP.UN)

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

AirBoss of America Corp. (BOS)

Total: $61,699.23

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,515.43

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

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

NBI Income Fund: $1,359.68

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio 

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $8,613.02

Other various: $24,572.95

TOTAL: $100,840.06

Social Capital at Desjardins Membership share: $35

Online money: $104.64

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

On the date of October 14, 2021

$379,263.95

My debt situation on date of October 14, 2021

Margin account debt: $48,583.78 @ 3.75%

Annual interest: $1,821.89

On the date of October 14, 2021

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

Welcome in my US portfolio, Vanguard Russell 1000 Growth Index Fund (VONG)!

I invested in Vanguard Russell 1000 Growth Index Fund (VONG) earlier today for my US investment portfolio.

My Canadian non-registered portfolio closed today session on a good $136,312.17, my TFSA portfolio at $127,569.78, my RRSP portfolio at $61,447.64, and my US non-registered portfolio closed at $4 311,79 CAN. My US margin portfolio arrived over the National Bank Direct Brokerage on the first week of October, but I didn't receive yet the $135 plus taxes credit to cover the transfer fees for that account. As told by a National Bank Direct Brokerage's broker, I begin to really believe now that you really need to place a first trade before received the so wanted credit. Just like I had been told.

I only had a small amount in cash available inside my US margin portfolio - and even though it's a "margin" portfolio, I don't want to borrow money in US dollars in that account. I took a look at Derek Foster's latest newsletter, but I didn't find anything for my interest in his portfolio. I have access to Stockopedia to help me find new stocks to invest in, but my subscription exclusively covers Canadian stocks only. Following what, I suddenly remember something that been said by Warren Buffett, that the S&P 500 Index was a good investment. So I started by looking for US ETF related to the S&P 500 Index. Unfortunately, the ETFs that are invested in the S&P 500 Index are super expensive, like $200, $300 per unit!

I also check on the price stocks of different US companies, but many of them are super expensive. Generally speaking, I find the US market to be a rough place to be. It's super expensive and extra volatile. I find it difficult to find a US stock that has a good overall chart that goes all the way up. Fortunately enough, Vanguard Russell 1000 Growth Index Fund (VONG) has exactly the kind of overall chart that I like, only nice and steady growth that is under control:

Trust me when I say, it's extremely hard to find US stocks that have such a good quality overall chart.

I only made a tiny small investment in Vanguard Russell 1000 Growth Index Fund (VONG) today, but with my upcoming transfer credit fee that I am waiting for from National Bank Direct Brokerage, I will have enough money to invest in something else in US dollars, but once again, it will only be a tiny little small investment. Having a $0 commission fee broker is for me a huge game-changer.

In my opinion, there's no small investment, even if I name some that way. Every single investment made over the stock market is an important one. It doesn't matter how little you invest, but the money absolutely needs to be made inside high-quality investments, no matter how little the amount invested is. And this is exactly how I reached my highest net worth ever of $332,735.61, by investing small amounts of money over time in high-quality stocks. I want my blog to be the illustration of just that.

Transfer finally done and completed: my investment portfolio is now with National Bank Direct Brokerage!

Following its arrival, it took more than the usual 48 hours for my non-registered Canadian margin portfolio to be completely transferred over National Bank Direct Brokerage. Most of the investments that I hold inside my non-registered Canadian margin portfolio were transferred over National Bank Direct Brokerage arrived on October 5th. However, on October 5th, two of my biggest holders were missing and haven't been transferred, but they were nowhere to be seen over my old TD Direct account... That's the scariest part, not to be able to see your stocks, but that's actually a good thing, meaning that the transfer is ongoing. My two biggest investments, PPL and ENB, finally arrived on the date of today inside my Canadian margin portfolio over National Bank Direct Brokerage. The date that appears on the Activity page is actually yesterday, but yesterday, PPL and ENB were nowhere to be seen. I am quite happy that this transfer is finally done and completed!

It hasn't been much stressful. Both TD Direct and National Bank Direct Brokerage brokers had been great and done their job. I know that many investors might have done what I did and transferred their assets over National Bank Direct Brokerage. It just required some checking once something new arrived over NBDB. Yesterday evening, I write down in my agenda all the dividend payout dates. It allows me to verify the following: it seems like I am missing two dividend distributions inside my TFSA portfolio, and one dividend distribution over my RRSP portfolio. I will call National Bank Direct Brokerage on Monday only because for now, this lady is still on vacation.

I wrote down in my agenda the dividend distribution date. For that task, I checked each and every single of my dividend stocks over the TSX page. Following what, I click on the Key Data of the stock:

That way, I can verify the payable date of the dividend:

Since I had been holding most of my assets for a really long time, I don't need to worry about the Ex-Date. It's the Payable date that I wrote down in my agenda for each of my stocks. It was a long exercise, but it was worth the effort. In my early days as an investor, I was checking my dividend distribution, but I have to admit that it's something I didn't do for quite some time. However, since I recently switch brokers, I want to verify my dividend distribution. Sincerely, it's a task that we should all do as investors. We are alone to verify our own interests. From now on, I will verify my dividend income and check that I actually received everything the TSX own me :-)

Still no luck at hunting little partridges yesterday, we didn't kill any. Today is a hunting break day.

Happy Thanksgiving, Canadian Investors!

For Thanksgiving, I usually always take some time off from work around this time of year. Despite COVID, this year was no exception. Last year was actually the only exception. Today was my first day hunting partridge, but we got no luck. The weather is too hot, and we'll need from now on to get up earlier in the morning. Today, we start our hunting day around 9 am. No luck with partridges, but the autumn scenery was beautiful.

The transfer of my Canadian non-registered portfolio over National Bank Direct Brokerage is not completed yet, I am still missing one investment, which is quite annoying. I hope to have everything set to normal tomorrow. If not, I will have to contact National Bank Direct Brokerage on Wednesday. I hope I won't have to call. I am currently on vacation and I wouldn't like to spend time waiting on speakerphone before being able to reach someone for help. I hope this problem will resolve by itself, just like it did last time. I had experienced a similar experience with the transfer of my TFSA portfolio over the National Bank Direct Brokerage. Following the transfer, I was missing one investment. The missing investment arrived in my TFSA portfolio like magic after 48 hours.

Otherwise, I had been doing a bit of surfing on Stockopedia for new investments. I already came with a list of interesting stocks that I will be soon sharing. I am searching for new investment ideas because right now, both Bitcoin and Ethereum are doing great. I am still holding on to my investments Bitcoin Fund The Class A units (QBTC), Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B), and 3iQ CoinShares Ether ETF (ETHQ), but I will sell all of those 3 once I see great color in the money.

I am now in New Brunswick!

And Internet is working :-)

I arrived in New Brunswick earlier today. No one was waiting for us at the Quebec-New Brunswick border. I guess that New Brunswick's Travel Registration Program hasn't started yet. We were ready anyway. We had our registration numbers, I had printed the form for the 3 of us before leaving. It was however quite stressful because we knew that if the registration program was on, we would have several hours to wait at the Quebec-New Brunswick border. Today, we didn't have to stop, so we were quite released. COVID cases are going up in New Brunswick so I guess that New Brunswick's Travel Registration Program will probably start pretty soon.

I was heavily pack, like expected. In Montreal, my apartment is on the second floor. The most difficult part of the trip was to take down all of my luggage by myself downstairs. Following what, I call a taxi, which arrived quite quickly and I went directly to the Beri-UQAM bus station. I was an hour early, but that's ok. When I leave early in the morning like that, I am always scared not to be able to catch a taxi. I always call Taxi Diamond, and I never had a problem with them. I am always scared for nothing. I am not a fan of Uber and I never their services. In Montreal, Taxi Diamond is the best in my opinion. 

I took the bus Montreal-Ste-Foy, and Ste-Foy to Rivière-du-Loup. Luckily, there was no bus transfer. Its actually the driver who switch bus, and not the passengers. I think it's their way of doing things now. It was also like that last time, when I traveled to New Brunswick just a few weeks back. One of the reasons why I decided to move to New Brunswick for the next couple of months is to make my life easier. I always traveled to New Brunswick for both Christmas and Easter. Now that I will be in New Brunswick for the next couple of months, I won't have to travel. I really dislike traveling during the winter.

By staying in New Brunswick and without doing my usual back and ford between Montreal-New Brunswick, I am preserving myself - and my family - from COVID. Traveling by bus is not super expensive, but staying in New Brunswick will help me save some money. Also, I like the change of scenery. I actually like the idea to spend winter and the biggest part of spring in New Brunswick, and the summer in Montreal. My winter clothes will be in New Brunswick, and my summer clothes in Montreal. My idea would be to live like this for the next couple of years. I would probably come again to New Brunswick for a summer vacation because summer is too fun in New Brunswick. But Montreal is also super fun during the summer. Who said I couldn't have both? :-)

Before leaving Montreal, I call the insurance for tenants that I have, explaining I was leaving my apartment for a few months. Fact that I am not living in my apartment doesn't increase the cost of the insurance. They simply left a note in my account. They also ask if I was renting my apartment while not being there, but it won't be the case. The night before my departure, I also call Videotron. I have both my Internet and TV with them. I explained I was going away for a few months, actually until the end of April. I wanted them to lower my invoice, and they did just that! It was actually better than I expected. They have what they name in French a "suspension saisonnière", which I may translate by something like "seasonal services suspension". At Videotron, it's something you can request max one time per year, for a maximum period of 6 months in a row. You pay something like $49 one time and for the next 6 months, the bill will be $0. This is super helpful and I was really happy to receive that service suspension. I guess that service is probably popular among Snowbirds who spend winter in Florida. In my case, I am going to spend winter in New Brunswick in the cold, but it's going to be fun anyway.

Here's what I got today as the sunset. Not bad, isn't it? 

I quickly check over National Bank, and at least one investment haven't arrived yet inside my newest account transferred, my non-registered Canadian margin. As for the amount of margin debt they had entered, it is accurate. Too bad they forgot not to erase it. :)

Slowly but certainly switching broker over to National Bank Direct Brokerage

Don't ask me how well or bad did my non-registered Canadian portfolio today, because currently, that portfolio of mine is gone in the wind. Its no longer at TD Direct and did not arrive yet at National Bank Direct Brokerage. That's the most frightening part because it's kind of strange to have the account - and the money, nowhere to be seen... It's simply the transfer procedure that is ongoing. This means that tomorrow morning, I should begin to see partly - or maybe if lucky enough fully - the investments that I hold inside my non-registered Canadian portfolio over NBDB. Within 48 hours, I should have received everything. As for my US margin portfolio, it still remains at TD at the present time, because I can still see it. :-)

As for my Canadian non-registered margin, upon arrival, probably tomorrow morning, I will of course check if all assets had been transferred, and I will check if the number of shares per investment is correct, and as well the initial investment value per investment. And most important of all, I will check the amount of the margin debt, so it's the same as before. The timing is not exactly perfect as I am soon moving to New Brunswick for a couple of months. I wish everything will be fine within 48 hours so I have nothing to do.

These days, both ETH and Bitcoins are going great. I am keeping my radar on those two. I would like to eventually sell the following investments that I hold inside my TFSA portfolio: Bitcoin Fund The Class A units (QBTC), Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B), and 3iQ CoinShares Ether ETF (ETHQ). I am still not in a rush to sell, but I had been on those crypto investments for a little while now and I would like to see the color of my money on those.

One thing for sure, I would like to invest something around 2k inside my RRSP by the end of the fiscal year. Not that I am a huge fan of RRSP, but this year, I did a bit of money trading inside my non-registered account, and I did some extra hours at work.

I have still a bit of money left over my TFSA and RRSP portfolios. Being with a $0 commission fee broker is quite helpful a lot because I feel really free investing in what I want, when I want, more than ever before. I always had an interest in ATS Automation Tooling Systems Inc. (ATA), but I never invested in the stock because I feel it was a more risky investment. But now, if I want, I can even invest in one tiny little share of ATS Automation Tooling Systems Inc. (ATA) and that idea alone is enough to make me happy. One of the reasons why I never invested in ATA is that the stock doesn't pay any dividend distribution. 

While shopping around for new investments, I always prefer to pick a business that pays a dividend, even if it's a small distribution. A small amount is always better than nothing at all.

My first investments with National Bank Direct Brokerage: welcoming North West Company Inc. (NWC) and AirBoss of America Corp. (BOS)

I don't know if you have noticed, but my blog feature in Rob Carrick's personal finance reading list in The Globe and Mail, wow wow wow!!!

Thanks for reading, Rob Carrick :-)

The problem I described in the previous post regarding New Brunswick's Travel Registration Program got resolved quite quickly for my old folks. Now, I need to pack my stuff for the next 6 to 7 months, which is ongoing. While getting ready, I bought the latest Edith Butler CD. You might want to listen to the following, even if you don't understand French, because it's really good and I keep listening to it on and on and on! My old folks won't believe their ears.

That's the kind of music real New Brunswickers listen to and enjoy. The real deal. Only good investors can enjoy real music.

I managed to finally make my first investments with National Bank Direct Brokerage. I made two small investments. For my TFSA portfolio, I invested in a few shares of North West Company Inc. (NWC). For my RRSP portfolio, I invested in AirBoss of America Corp. (BOS). I used to have North West Company Inc. (NWC) in my investment portfolio a couple of years ago, so nothing new here, but I wanted to invest in something in order to receive my $135 +taxes credit inside my new TFSA portfolio at National Bank Direct Brokerage.

I also wanted to receive a $135 + taxes for my RRSP portfolio. It's basically why I invested in AirBoss of America Corp. (BOS) for my RRSP portfolio. BOS is a Jean-François Tardif's stock. In Stockopedia, AirBoss of America Corp. (BOS) is well-ranked. AirBoss of America Corp. (BOS) is also on several Stockopedia's screens, which is a good thing in favor of BOS. So I decided, why not? BOS pays a dividend distribution below 2%, but at least they pay a little something.

I updated my dividend income and so far - excluding the dividend earns inside my RRSP - is of $8,443.28, which is about $703 a month. I like this amount because it covers my rent + a small coffee for the month :). I am keeping my apartment in Montreal even if I am moving away to New Brunswick for a couple of months.

My non-registered Canadian margin and US accounts haven't been transferred over National Bank Direct Brokerage yet. I hope it gets done in the next few days before I leave for New Brunswick. So far, my TFSA and RRSP portfolios got transferred without any mistakes over National Bank Direct Brokerage. I prefer that TD Direct take all the time they need in order to transfer my last two accounts correctly.

Getting ready to spend the next few months in New Brunswick!

On this National Day for Truth and Reconciliation, we must take a moment to send all of our positive thoughts to aboriginal communities across Canada. Let's give them the chance to express themselves on their realities to grief. Let's help them to move forward and become stronger. 

I have an upcoming vacation in New Brunswick in early October. Last year, because of COVID, I haven't been able to visit my family, and I had missed a super epic hunting season and I was sooo mad! Little partridges were all over the place!! I like when my father kills the partridges and following what I hold them happily by their feet and we continue the road like that, so my father's hands can be empty so he can carry his gun without having to carry anything else. That's my role as the daughter of the hunter. To carry the partridges.

Also last year, I didn't spend Christmas with my family. Missing Christmas didn't really hurt me, I didn't care much strangely, but I was quite upset not being able to go during autumn, which is I think my favorite season. The Maritimes Bus at Rivière-du-Loup is always super cold during winter, even if they always start the bus before departure. It only warm-up when we finally arrived in my X hometown... It's always crazy cold. However, last year, the weather wasn't so cold, I could have traveled at ease, but I couldn't.

This year, no way, I am not going to miss the hunting season. There's just no way!

With COVID, everything is a bit more complicated. It seems like Maritimes Bus is still not covering the trajectory from Rivière-du-Loup to my hometown in New Brunswick. And it seems like things are going to remain that way for the next couple of months, but I hope I am wrong. For that reason, I decided to work from New Brunswick, following my vacation in October, I am just going to stay in New Brunswick all winter long. My idea is to go back to Montreal in Spring 2022. So from October to probably April, I will be blogging from New Brunswick. I got my old folks to install the Internet at home. We'll see if it work well once I get there. I specially asked them to write down the Internet password once the tech person will be home, proceeding to the installation... The last time we had Internet at home was about 10 years ago. I will be celebrating my 10th anniversary at my current job as early as next year. Time is flying by! Back in the days, the Internet was quite reliable at home, so I don't think I will have any problem this time around.

Currently, the Government of New Brunswick has a new regulation which is name: Travel Registration Program. Anyone coming from outside New Brunswick who is entering New Brunswick has to register into that system, including New Brunswickers themselves. This is not easy for seniors like my old folks who don't know how to use a computer, Internet, etc. because that registration needs to be done online. I completed the form online yesterday. It's simply a form where you put in your info, as well as your proof of vaccination. The system didn't ask for the date on which I will be crossing the Quebec-New Brunswick border. Once I complete the form online, I received an email containing a PDF with a registration number and it seems like it's kind of an open ticket that will allow me to cross the Quebec-New Brunswick border whenever I want. At first, I find it confusing. The PDF I received came with a 1-844 phone number. I call this morning. I first tried the French line, but the line cut after saying they were receiving too many calls... I know the drill, whenever I cannot be served in French, I switch to English, and often, my call goes through. This time around was no different. I was able to speak to someone but in English. I explain my situation, that I was traveling on October X, but that the system online didn't request my date of travel, which I found strange. This is what it is. The New Brunswick's Travel Registration Program - for now, is simply a registration program, to make sure that people who enter New Brunswick are vaccinated. 

Once you register, your registration will be good until further notice. Let say you plan a trip to New Brunswick in the middle of October, you can register now, and immediately after, you'll receive an email that contains that PDF which contains a registration number. Whenever you cross the border Quebec-New Brunswick - or other borders within New Brunswick, to enter New Brunswick, you'll have to show that PDF form, as well as your proof of vaccination to the agent or police officer who'll be waiting at the New Brunswick border. This may probably cause some lineups... 

 

I am willing to complete the New Brunswick's Travel Registration Program for my old folks, but my problem, as I explain to the agent I spoke to earlier this morning being that I don't have their proof of vaccination. You see the problem... Hopefully, they will seek help to resolve this on their own, we still have a few days left before they pick me up at Rivière-du-Loup. They don't have any email either way, so that alone is also problematic because the system will send the PDF registration by email. 

Many seniors in New Brunswick are exactly like them, they are not alone in that situation. Being computer illiterate in times of pandemic can be extremely difficult. I asked the New Brunswick rep agent I spoke to if this Travel Registration Program could be done last minute, if by any bad luck my folks find no help. And the answer was yes. So I could do the registration for them once we get to see each other in Rivière-du-Loup. I will be able to take a picture of the proof of vaccination and complete the form for them from my smartphone. One big concern had now been resolved.

Another - but much smaller - problem that I am having right now is what to pack for the next 7 months!! Whenever I visit New Brunswick, I am always heavily packed. For a reason or another I cannot pack lightly, so imagine for 7 months. I have a few days left to get ready, but this one alone is quite a difficult challenge for me. I will have to use at least two suitcases.

While taking care of all the above, I am still waiting for my Canadian and US margin accounts to get the transfer over National Bank Direct Brokerage. I was told it was going to be done soon. However, September 30 is a holiday, so maybe for October 1, who knows. I both called TD and National Bank Direct Brokerage to proceed with an address change. I asked a few questions here and there and here is what learned. At TD Direct, the transfer fees are $150 per account, but more exactly $150 plus taxes per amount. (I figured out after being missing exactly $150 + Quebec taxes in my RRSP account that got transfer over National Bank Direct Brokerage). 

The good news is that National Bank Direct Brokerage, refunds the transfer fee up to $135 + taxes. I talked to the National Bank Direct Brokerage, saying that my Canadian margin portfolio that was waiting to be transferred was more than $130,000, that I had a margin debt of $47k on it, and that all together, it made a huge amount. I desperately try my best to impress the National Bank Direct Brokerage broker. In regard to my personal situation, I asked if they could make the transfer fees to $150 + taxes instead of $135 + taxes, but the answer was... NO. That TD Direct could increase their transfer fee, and that they were not offering more no matter what. I tried to receive a special treatment from National Bank Direct Brokerage, but I didn't get it.

Also, I learn that in order to get the $135 + taxes refund, you need to proceed with one trade inside each and single account. This task can be taking care of quite easily in reason of the $0 commission fee with National Bank Direct Brokerage. I guess I have too many things in mind right now but I am just not able to set myself and invest in something for my RRSP and TFSA so I can receive the $135 plus taxes credit. It didn't happen yesterday. National Bank Direct Brokerage is clear about the + taxes situation. However, TD Direct isn't.

I didn't know I had to place a first trade in each account before receiving the credit. I am not exactly in favor of that, especially knowing the amount of money that I had transferred over the National Bank Direct Brokerage. It seems like National Bank Direct Brokerage is looking forward to push over the trades. It's not because I pay a $0 commission fee that I will start trading whatever, whenever. Don't count on that.

For the present time, if I continue to be a bit lost like I am right now, I might just buy one single stock of something I already hold in my portfolio, something like a single Fortis or Telus stock. Sorry, but my first moves with National Bank Direct Brokerage are probably not going to be extraordinary investments. It's just a matter of kind of bad timing for me. Too much is going on.

I would like to share this: following the transfer of an as is account, TD Direct automatically closed each and single account following its transfer over the other broker, which being National Bank Direct Brokerage. However, it's possible to keep your broker account at TD open, even if you don't hold anything there anymore. I was told there were not going to have any fees for not using the account. The reason why I want to keep my broker account open at TD is to have access to my taxes paper online, via their eServices. I don't like the idea of them sending my tax papers over the mail. As soon as everything will disappear from my TD Direct broker account and that I have absolutely nothing left with them, I can simply call to ask them to reopen everything. That way, I should be able to access to my tax papers online.

With TD Direct, I had applied a block on my broker account. I wasn't able to transfer any funds or stocks by myself online over my TFSA and RRSP portfolios. I had those blocked to avoid any mistakes on my part. Mistakes made inside a TFSA or RRSP account cannot be fixed easily, that's my reason behind that block. I had called National Bank Direct Brokerage to have the same block apply, but it seems like such request is not really popular at National Bank Direct Brokerage. No one seems to know how to do that in my account. I was told I will be call back... We'll see about that. 

Now that my TFSA and RRSP portfolios got transferred over National Bank Direct Brokerage, the worst had done. My US margin portfolio is quite small, and my non-registered Canadian margin portfolio is quite small compared to my TFSA portfolio, in terms of the number of investments that I hold in there.

Changing broker is not really hard, but many things need to be considered and think of. 

Another example: DRIP. I think the broker I spoke to at National Bank Direct Brokerage wasn't a broker yet, because he couldn't execute my DRIP order. According to him, while calling, I didn't select the correct option. Ok, no problem. But the surprise came when he told me that I needed to give the name of each and single stock I want to be set up on a DRIP. At TD, the broker can put the whole account on a DRIP and when it's activated, you are good for life and it can be done for all of your accounts. But at National Bank Direct Brokerage, DRIP is not an account situation, but more of a stock-to-stock situation. No worries, I know exactly which one of my stocks are on a DRIP, I just need to write them down, like SIS, PPL, BNS, EMA, just to name them. I will call again National Bank for the DRIP thing once all my things got transfer. 

This is nothing difficult, but things need to get done.

Once my switch from TD to National Bank Direct Brokerage is done and completed, I plan to write kind of a recap post, so all the good info will be put all together.