My debt situation on date of March 4, 2022

Margin account debt: $45,463.60 @ 4%

Annual interest: $1,818.54

On the date March 4, 2022

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

Day 1 of Canada's Top Public Venture Capitalist competition!

Today was Day 1 of Canada's Top Public Venture Capitalist competition I was able to make it within the first 100 on 871 competitors. I won't tell you exactly my rank, but it's lower than 100. And you bet it is. I have to say I am quite proud of myself. Those 870 other competitors have a lot to worry about. After all, I am the Dividend Girl. You'll find a girl on YouTube that names herself the Dividend Girl, but that's not me. I am the only true Dividend Girl. And best of all, I am a New Brunswicker and I am trading directly from New Brunswick so yeah, sorry people. I have a secret weapon, which I won't tell you what it is. If you don't know what's my secret weapon by now, you are completely lost in the wood, sorry for that.

Let's say that this first day experiencing Canada's Top Public Venture Capitalist competition was a little warm-up. I didn't spend the whole day on it obviously, but just a few minutes, in order to get in the mood and try to track stocks that I can work on. I find a couple of stocks, but sincerely I will never invest in those stocks for my actual investment portfolio. This is why this contest is a bit difficult for me because I am really restricted on the number of stocks I have at my disposal to invest in, and I have to trade stocks that I will normally never touch. I will stop my observations here because I don't want to disclose my wonderful trader ideas to the other 870 competitors of this Canada's Top Public Venture Capitalist competition.

My real investment portfolio did well today, under the circumstances. The TSX is still going strong, closing the session on 21,250.41 points. My non-registered portfolio closed today session at $142,899.63, my US portfolio at $4,922.27 US, my RRSP portfolio - stocks only - at $66,044.40, and my TFSA portfolio at $129,469.36. Overall, my stock portfolio gain $444 today.

Today, my net worth closed the day at $344,906.74

Yesterday during the day, my non-registered portfolio exceed the $140,000 value. And today, when my non-registered portfolio closed on a $142,522.49 value, I knew I just had no choice other than to update my investment portfolio. So I did. But it didn't really worth it because I didn't exceed my highest net worth ever, which I reached back on February 9 of this year, with a $345,622.80 net worth. Today, my net worth closed at $344,906.74. My margin debt is now at $45,481.74. The way my numbers were looking today, I was under the impression that my net worth was in the $346,000, but it wasn't the case. At least now I know how much my current net worth is.

The TSX closed today's session on a good 21,255.64 points. As you might know by now, the Bank of Canada raised its lending rate by 25 basis points. It was about time. With inflation ruining our lives, the federal government had been quite slow in taking action. Usually, when we take about the interest rate being raised, the stock market responds negatively, but this time, the opposite happens. I guess investors are all happy about this. A 0.25 is not an enormous increase. I doubt it will be enough to control inflation. It really started feeling like the government is not going much for its citizens. 

I feel in-deep laziness in the government Trudeau, who's just never good enough in order to deliver anything properly. Justin Trudeau is just a pretty guy standing there, doing nothing to protect our interest. Those who vote Liberal should be put into shame. Justin Trudeau's government is of extreme laziness, but I know I am not. And this investment portfolio of mine is slowly beginning to really deliver and had just started its true colors. I don't have any problem imagining this exact same investment portfolio getting me in the $400,000 net worth. I am just simply too close not to be there yet. It's just a shame that I haven't been able to make it to the $346,000 net worth today.

Anyway, a stock that I hold inside my TFSA portfolio, Aecon Group Inc. (ARE) announced today a dividend increase, which is always fun to have as news. I am now missing less than $100 in order to reach an annual dividend income of $11,000. I can easily get on an $11,000 without doing nothing, while letting my DRIP do all the hard work for me. I estimate to earn around an extra $250 annually in dividend money coming from my DRIP, which is pretty good.

For the next couple days, we'll have to see how this war between Russia and almost the rest of the world evolved. Russia is pretty much alone now. And while it's happening, the strangest things happen: Bitcoins are growing stronger, and so does my portfolio.

My investment portfolio on date of March 2, 2022

Cold cash: $6,445.96

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)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $142,522.49

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

Vanguard Russell 1000 Growth Index Fund (VONG)

Pfizer Inc. (PFE) 

TOTAL: $4,864.39 US: $6,186.53 

 

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)

LifeWorks Inc. (LWRK)

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)

Bank of Nova Scotia (BNS)

National Bank of Canada (NA)

Stelco Holdings Inc. (STLC)

Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)

Saputo Inc. (SAP)

Labrador Iron Ore Royalty Corporation (LIF)

TOTAL: $129,403.82

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)

Suncor Energy Inc. (SU)

Pender Growth Fund Inc. (PTF)

Rogers Communications Inc. Class B Non-voting Shares (RCI.B)

ATS Automation Tooling Systems Inc. (ATA)

Algoma Central Corporation (ALC)

Finning International Inc. (FTT)

Guardian Capital Group Limited (GCG)

Information Services Corporation Class A Limited Voting Shares (ISV)

Interfor Corporation (IFP)

Maple Leaf Foods Inc. (MFI)

National Bank of Canada (NA)

Nutrien Ltd. (NTR)

Open Text Corporation (OTEX)

Taiga Building Products Ltd. (TBL)

Vitreous Glass Inc. (VCI)

Power Corporation of Canada Subordinate Voting Shares (POW)

North West Company Inc. (The) (NWC)

Total: $66,125.28 

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,546.90

Others: $1,159.90

NBI Income Fund: $1,339.39

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: $8,467.00

Other various: $25,096.99

TOTAL: $105,735.46

Social Capital at Desjardins Membership share: $35

Online money: $59.25

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

On the date March 2, 2022

$390,388.48

My debt situation on date of March 2, 2022

Margin account debt: $45,481.74 @ 3.75%

Annual interest: $1,705.57

On the date March 2, 2022

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

An option to be handle with care to - MAYBE - have exposure to the potash industry: Verde Agritech Plc Ordinary Shares (NPK)

With a TSX closing today session at a good 21,126.36 points, my non-registered portfolio closed the session at $139,597.22, my US portfolio at $4,845.01 US, my RRSP portfolio - stocks only - at $66.082,93, and my TFSA portfolio at $129,008,82. My margin debt is now at $45,490. I estimate my net worth to be somewhere in the $337,000, which is not bad knowing the circumstances. Just in case you don't remember, my highest net had been reached a few days ago, on February 9, 2022, with a fabulous $345,622.80 net worth. It's strange but it feels like it's been a long time ago.

Nutrien Ltd. (NTR) value just keeps rising and rising. For today only, NTR registered a +5.661%. A stock that had activities in the same sector, Verde Agritech Plc Ordinary Shares (NPK), also made some great gains today, +2.151%. Since Nutrien Ltd. (NTR) is super expensive and trading over $100 per share, it could be a good idea to invest a little bit in Verde Agritech Plc Ordinary Shares (NPK), if you are looking to have exposure in the potash industry. Personally, I like to have a bit of exposure in bit everything. My favorite sector to invest in is Industrial and the sector I dislike the most is the Technologies, on which I have a very low exposure and I am totally fine with that.

Verde Agritech Plc Ordinary Shares (NPK) is an option, but I don't own any Verde Agritech Plc Ordinary Shares (NPK) stocks. I am not closing the door, but I have a few problems with NPK. I just don't understand why NPK is trading over the TSX since they don't seem to have any activities in Canada. On top of that, NPK doesn't pay any dividends. Verde Agritech Plc Ordinary Shares (NPK) is basically a stock that I discovered over Stockopedia by reading this article and that I had been following ever since. I am just intrigued by that stock, that's all.

I don't like to invest in stocks that are super expensive like Nutrien Ltd. (NTR). I am happy that NTR is in my portfolio. 

Canadian Imperial Bank Of Commerce (CM) announced an upcoming beautiful stock split

Along with the good results of this past Friday for the TSX, the Canadian Imperial Bank Of Commerce (CM) announced a great event that will take place later on, a stock split. Personally, I adore stock splits. Usually, following a stock split, the value of the stock inside my investment portfolio gains in value, which is always fun to watch. I am looking forward to the Canadian Imperial Bank Of Commerce (CM) proceeding with its split. 

At $163.61 per share, CM stock is super expensive. Once CM split, I may invest again in a few shares. Currently, CM had an attractive dividend yield of 3.936%. Its dividend may increase once it's under the split - or not - but that's all depends on how much the Canadian Imperial Bank Of Commerce (CM) is looking to create and affect and drive the attention of investors straight into its shares.

CM is not the only bank to be in the inner circle world of stock splits. Back in 2014, Toronto-Dominion Bank (TD) proceed with a two-for-one stock split. Other stocks of mine went under a stock split operation. Back in 2011, it was Enbridge Inc. (ENB). The year 2013 had been quite a busy financial year for stock splits. Back in 2013, we had Canadian Utilities Ltd. (CU)  that went under the knife for a 2-for-1 split. Always in 2013, Telus Corp (T), Canadian National Railway Co (CNR), and Andrew Peller Limited (ADW.A) all experimented with a beautiful split. And not to forget Stella Jones (SJ) - which I no longer hold. Open Text Corporation (OTEX) also went under a stock split back in 2017, under the ticket OTC.

While waiting for the Canadian Imperial Bank Of Commerce (CM) stock split to actually happen, I had been taking a look into my stuff. It seems to me that these days, LifeWorks Inc. (LWRK) is not really performing well. It started annoying me. I am tempted to sell, but I was looking for other stocks in the same sector, and I didn't find anything great enough to replace it. LifeWorks Inc. (LWRK) is not exactly a bad investment. I am never afraid to look into my portfolio and check out what can be improved.

With my annual dividend that is now exceeding the $10,900 mark, I only want to push up a bit of thing around and reach the annual $12,000. One stock that is going well for sure in both my RRSP and TFSA portfolio is Nutrien Ltd. (NTR). Inside my RRSP portfolio, NTR gained +18.75%. Inside my TFSA portfolio, NTR is on a solid gain of +64.24%.

During this past Friday session, Verde Agritech Plc Ordinary Shares (NPK) had gained +18.283%, and Nutrien Ltd. (NTR) +4%. Unfortunately, the war between Ukraine and Russia had positive effects on the Canadian potash stocks I read somewhere that Ukraine is an important producer of potash. NPK could be worth our attention.

My newest investment in Labrador Iron Ore Royalty Corporation (LIF) is bringing on some valuable $$$

On the second day of the conflict Russia-Ukraine, it's almost a return to normal for the TSX. We are back in the precious 21,000 points. The TSX closed this Friday session on a good 21,106 points, which I don't really understand why it went up again... It's almost like we are on a recovery mode and will soon enough get back in the 21,700 points or something. However, I know this for sure, each and single day is a different one on the TSX. Fact that the TSX earns 300 points today means basically nothing at all. It's just the stock market being sporadic. 

This past Friday beautiful gains could be all gone this upcoming Monday morning. The stock markets have their own ways to react to things - including war - and it's not always easy to follow. Because what's going on between Russia and Ukraine right now is more than just a conflict, it's a war. And it's super sad. No matter what, life goes on.

On a lighter note, I did enjoy this past Friday's gain, it was comforting to watch my TSX baby gaining some valuable points. My non-registered portfolio closed today on a good $138,319.06, my US portfolio at $4,845.89, my RRSP portfolio - stocks only - at $65,675.56 and my TFSA portfolio at $127,977.52. This past Thursday, I made two new investments in Labrador Iron Ore Royalty Corporation (LIF) for my TFSA portfolio, and Power Corporation of Canada Subordinate Voting Shares (POW) for my RRSP portfolio. In a matter of two days, POW gains +0.36% and LIF gains +4.89% inside my investment portfolio. It's quite fun when a newcomer hits on nice gain. 

Earlier this year, I came up with this great plan for my money, which was going the following way: my margin debt: $533; money to be put toward my TFSA: $417; over my savings: $334; my RRSP: $208; money aside per month for my vacation: $200. This past Friday, I was able to have almost all of this done. Because of the current volatility of the stock markets, I decided to put the money that I would have normally put toward my savings and vacation over my margin account debt. It doesn't make that of a difference to lower my margin debt but at least it's a little step. 

Since I had contributed lately to a 1k to my TFSA and $500 to my RRSP, I just didn't have any money left to do everything like it was originally planned, but I will try to catch up with my savings and vacation money at the end of March. I never put money aside specifically for my vacation before, so I was very proud of myself when I started doing this at the end of December. 

That's all regarding my money stories for now.

Thanks to Quebecor Inc. (QBR.B), my annual dividend income is now exceeding $10,900!

Yesterday had been a long day, but it must have been an awful one for Ukrainians. I didn't know, but we do have a Ukrainian community in New Brunswick. They are obviously safe here, but many of them probably still have family in their home country. It's probably very difficult for them. On this first day of the Ukraine-Russia conflict, the TSX closed on a good 20,761.93 points. We are obviously below the so love 21,000 points. Under the circumstances, the TSX is going quite well. My non-registered portfolio closed yesterday session at $136,252.38, my US portfolio at $4,677.55, my RRSP portfolio - stocks only - at $65,192.89, and my TFSA portfolio at $126,771.07.

A stock of mine that I hold inside my RRSP portfolio, Quebecor Inc. (QBR.B), announced a dividend increase of 9%. It's now official, my annual dividend income is now slightly exceeding the mark of $10,900. Got to celebrate every little gain.

Lately, I had kept myself busy. We are still dealing with some cold weather in New Brunswick so I basically have nothing to do in my spare time. I don't go to the gym or anything, I am too scared of COVID. So I came along with a little challenge, which is to check every single stock of the TSX Venture over Stockopedia, in the hope to find a hidden gem. I am almost halfway done. Unfortunately, I haven't found anything exciting so far. The TSX Venture is literally an open ghetto for super sucker stocks! In my TSX Venture list of stocks, I have collected 1,950 stocks. Basically, I take each and every single of those 1,950 stock tickets and I search them in Stockopedia, in order to check on their StockRank - which is a special feature exclusive to Stockopedia, as well as their overall chart. If I see an overall chart that is perfection, a skyrocket just like the overall chart of Canadian National Railway Co (CNR) - then, I keep the ticket name. 

I did a ton of research of this type on Stockopedia, but the results for the TSX Venture are simply not there. It's just something fun to do, and maybe I will eventually get my hands on something satisfying. I can do this with the stocks included in the TSX Venture, but I couldn't perform this task for all the stocks included in the TSX because it would be just too many stocks to check on. And actually, Stockopedia kind of already separates the good stocks from the bad ones for me. Unfortunately, Stockopedia does not separate the stocks coming from the TSX Venture from the regular TSX. I cannot focus exclusively on stock coming from the TSX Venture while searching on Stockopedia, like for example on their screens, etc.

I have never been really interested specifically in the TSX Venture. I must admit that I don't really look into that index, like not at all actually. My sudden interest came from Canada's Top Public Venture Capitalist Contest. You can find more info and register right here. I have enrolled, and we'll see how it goes.

The contest concentres itself on the 50 most profitable stocks of the TSX Venture - and not all of the stocks included in the TSX Venture. That makes things easier in terms of preparation. Of course, you understand that I won't disclose now the stocks that I am planning to invest in. I will do that once the contest is closed. It will make an interesting post topic to share my experience with Canada's Top Public Venture Capitalist Contest.

Welcome in my investment portfolio Labrador Iron Ore Royalty Corporation (LIF) and Power Corporation of Canada Subordinate Voting Shares (POW)!

It's now official, Russia and Ukraine are at war since yesterday, late at night. Both countries have already dozens of death and this conflict is only at its beginning. Germany and the UK had delivered strong responses against the conflict, which was amazing, but will it be enough? European countries need to remain strong against Russia. Now more than ever is the time for those countries to come up with ways to become energetically independent. 

I hope that I am wrong, but my feeling is that Poutine doesn't care much in regards to the international response, he just wants to invade Ukraine at all cost, no matter what, because this is his obsession. What Poutine wants is to extend Russia's territory on the back of Ukraine and he wants to make it happen, no matter what it takes. Will World War Three be declared? I don't think so, because only Ukraine is being involved, at least so far. Will the USA intervene in the conflict with a military response? No, because they didn't do anything when the Taliban took over Afghanistan. These days, when horrible conflicts happen, the international response is usually quite low, and everyone manages their business on their own side. It's sad, but it's how it is.

During that time, things are not looking very good for the TSX. Overall, my non-registered, TFSA, US, and RRSP portfolios are going all over the place. Today so far, my account summary went down with a variation from -$2,000 and a bit more to -$500 and less in a very short period of time. It's not fun to watch, but I had now been invested in stocks, for now, close to 15 years. I had seen a lot of volatility over the TSX, a lot of stuff happenings. And please remember that I had started investing in stocks shortly before the 2008 stock crash. I am now used to this stock market shit. However, I must admit it's always a bit frightening, no matter what. Its while the markets are low that you need to invest in stocks, that's how I basically built my portfolio, by taking advantage - among others - of the 2008 stock crash.

It's not going to be an easy one because as long as the conflict remains, it's easy to understand that unfortunately, the TSX will remain extra volatile. I am watching the situation very closely because as you might know by now, I have a margin account debt that is linked to my non-registered portfolio. Currently, my margin debt is at a bit more than $46,000. For now, everything is under control, my buying power left is over $40,000. I am with National Bank Direct Brokerage. I don't have any chequing account with National Bank, so I have no way to transfer immediately cash funds in real-time inside my non-registered portfolio if needed. This is not practical, but I had come up with an emergency plan in case of need.

My first option: I have a US portfolio that is worth in the $6,000 Canadian dollars. In case of need, I wouldn't mind selling my US portfolio. I could easily transfer the cash over my non-registered portfolio to help secure my margin debt. That's one option that could save me. When dealing with things of this nature, it's really important to come up with some scenarios. You need to be prepared in case of need. Personally, I don't have a real attachment to my US portfolio - it's only US stocks after all LOL. It wouldn't destroy me if I had to sell my US portfolio.

My second option: to sell some assets hold inside my TFSA and transferred the cash to my non-registered portfolio. I already target some stocks, like JFS.UN for example that I could sell.

A third option, that I could do as of right now is to take the money from my different savings accounts and get it transferred over my non-registered portfolio. This will decrease my margin debt, and protect it at the same time. Because the lower my margin account debt is, the better it is for me. I still thinking about it, but I am probably going to take action. This is only the first day of war between Russia and Ukraine, and the TSX is already down to 20,500 points... 

Eventually, I could even withdraw some money from my RRSP portfolio and transferred it over my non-registered portfolio but this would be my last resort because of the penalties linked to RRSP withdrawals.

This whole mess didn't stop me from doing two investments today. I had invested in Labrador Iron Ore Royalty Corporation (LIF) for my TFSA portfolio, and Power Corporation of Canada Subordinate Voting Shares (POW) for my RRSP portfolio. My annual dividend income is now at a very very close $10,900.