A very bad day for the TSX

It's been a strange week, with a lot of volatility for the TSX, with a lot of ups and downs. Just two days ago, on April 22, I was reaching out on my highest net worth ever exceeding $360,000. And today, in a single day, the TSX loss -2.14%, which represents a loss of close to 6k to my stock investment portfolios. My non-registered portfolio closed the session at $145,837.14, my US portfolio at $5,135.68, my RRSP portfolio - stocks only - at $66,795.20, and my TFSA portfolio at $128,477.76.

While watching the disaster, I decided to transfer $2,100 from my savings over to my margin account. Today, my non-registered portfolio experiment a loss of $2,400, so it will help to compensate. My goal is to always make sure that my margin account is in a good shape. Paying it down a little bit can only help. I actually have room left to add another 2k in my margin if I really want to.

I had received my renewal notice from my tenant home insurance contract, and I was choked by an increase of $42 for the next year. I call to have that increase decrease, if I may say. I must admit, I didn't shop around, but what I did is that I increased the premium to $1000, which I will have to pay out of my pocket before I can access any insurance money if anything would have to happen. The amount I am insurance for my stuff is only $10,000. And I also have subsistence fees of $2,000 if anything would have to happen. It's pretty much it. I had been renting for years in Montreal, but last year was the first year ever that I got enrolled in a tenant home insurance. I think it's important, especially in regard to the civil liability coverage that such insurance provided. You never know what can happen. Also, you get taken in charge in case of a fire, to relocate and stuff. My 15 minutes call made me save $36.59 on an annual basis. 

These days, I am willing to do anything I can to save some money. The weather is getting warmer and I am thinking about canceling my subscription to Crave, which is about $10 per month. This could be my next step.

How I deal with my savings

Oh no! The TSX closed the day on a much lower note, at 21,650.41 points. My non-registered portfolio closed the day at $148,413.66, my US portfolio at $5,224.95, my RRSP stocks-only portfolio at $67,631.38 and my TFSA portfolio at $130,916.17. It was a big fun surprise yesterday to see my net worth exceeding the $360,000. This was the first time ever I was in the $360,000 mark. Obviously, today, I am no longer in the $360,000 net worth... I am waiting for a super huge paycheck tomorrow, so I am probably going to deposit some money over my margin account just to play on the safe side. I am looking forward to make a $2,000 deposit, which will reduce my margin debt to $44,098.66. I would like eventually to reduce my margin debt to $40,000.

This is one of the reasons why - in my opinion - we should all have at least 2 savings account with different banking institutions. In my case, my savings are put in 3 different accounts, within 3 different institutions. I had been set up like that for a little while now. I am not with BMO, but I think such problems can possibly occur with other banks too. Please read carefully this article, it contains valuable information that we should all follow. Never ever click on an email link to log in to your bank or broker account. Also, I would suggest that you check on your banking accounts at least on a weekly basis - that'what I do. That way, if anything suspecious happen in your accounts, you'll be able to react early.

Personally, I wanted to have different savings account with different institutions because of my margin account situation. In case of a major problem comes my way, at least I would have some savings put in a safe place and not everything would be gone... Also, I had been quite well aware of the problems explained in the article, spam, and hacking. Unfortunately, we can all be easy targets for those kinds of fraud. There is also some credit cards fraud - like those described in the article. Debit card fraud can also occur. You need to be careful. Having savings put in different banks won't protect me from anything, but at least, if a problem occurs, I know I have money available at my disposal while the problem gets resolved. There's always the cash option but I prefer the banking option. I never have too much cash in my pockets or at home. However, it could be a good idea to have a $1k - or just $500 - maybe in $20 bills, just in case of an emergency happens, but I don't do that.

Currently, I plan to keep a 5k in my main saving accounts, in my second one, about $2,100, and in my third saving account, $1,900.

Today, I reached my highest net worth value EVER: $361,442.42!

I finally received my Quebec tax return! The weather being quite cold and windy today, I decided it was a good time to update my investment portfolio. I had a feeling I was on a $360,000 net worth. To my surprise, I even exceeded that number.

I now have over $10,000 in savings, which obviously help me to push up my net worth value. I should be able to stay in the $10,000 savings, even if the end of the month is coming shortly, thanks to this upcoming Friday paycheck. The TSX closed today's session behind the so loved 22,000 points, but it didn't stop my investment portfolio from performing quite well no matter what. During the day, I even notice at some point that my non-registered portfolio value was in the $150,000. My non-registered portfolio actually closes the day at $149,777.77, my US portfolio at $5,257.10 US, my TFSA portfolio at $132,204.70, and my RRSP stocks only portfolio at $68,049.88. All those good numbers help me to beat my expectations and push my net worth to a very good $361,442.42. By the way, this is the first time ever that my net worth is reaching the $360,000 net worth.

I have a little treat for you! Susan Brunner reviewed what I considered to be my favorite stock: Toromont Industries Ltd (TIH). Like Susan, I did very well on TIH. Toromont Industries Ltd (TIH) had been in my portfolio for now many many years. The only problem I have with TIH is its super low dividend distribution, but in my opinion, dividends should always be considered as being a little extra. Your ultimate goal should always be to invest in high-quality stocks on which you can rely on.

Historic of my Total assets and Net worth values on date of April 20, 2022

 2022

Total in assets: $407,547.23/Net worth $361,442.42: April 20, 2022 - My highest net worth value EVER!!!

Total in assets: $405,658.35/Net worth $358,941.11: March 29, 2022

Total in assets: $403,792.28/Net worth $357,075.04: March 25, 2022

Total in assets: $402,081.01/Net worth $355,363.77: March 22, 2022

Total in assets: $400,979.64/Net worth $354,262.40: March 21, 2022 - First time I ever hit on the $400,000 in total assets!

Total in assets: $398,652.13/Net worth $352,071.24: March 18, 2022 - First time I ever hit on the $350,000 in net worth value!

Total in assets: $396,355.91/Net worth $349,713.01: March 10, 2022

Total in assets: $393,037.13/Net worth: $347,573.53: March 4, 2022

Total in assets: $391,766.36/Net worth: $345,622.80: February 9, 2022

Total in assets: $382,726.19/Net worth: $341,862.36: February 2, 2022

Total in assets: $386,320.32/Net worth: $340,128.37: February 1st, 2022

2021

Total in assets: $385,979.66/Net worth: $339,434.39: December 31, 2021

Total in assets: $382,726.19/Net worth: $336,268.16: December 23, 2021

Total in assets: $388,421.37/Net worth: $340,312.77 - FIRST TIME I EVER REACHED A $340,000 NET WORTH!
November 8, 2021

Total in assets: $387,068.51/Net worth: $338,959.91: November 5, 2021

Total in assets: $384,785.92/Net worth: $336,781.52: October 20, 2021

Total in assets: $382,580.80/Net worth: $334,576.40: October 19, 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 April 20, 2022

Cold cash: $10,355.25

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)

Intertape Polymer Group Inc. (ITP)

TOTAL: $149,777.77 

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: $5,257.10 US: $6 627,63 CAN

 

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)

Intertape Polymer Group Inc. (ITP)

Parex Resources Inc. (PXT)

TOTAL: $132,204.70

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)

Whitecap Resources Inc. (WCP)

Total: $68,049.88

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,570.67

Others: $1,159.90

NBI Income Fund: $1,242.49

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: $8,532.37

Other various: $25,912.57

TOTAL: $108,467.88

Social Capital at Desjardins Membership share: $35

Online money: $79

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

$407,547.23

On the date April 20, 2022

My debt situation on date of April 20, 2022

Margin account debt: $46,104.81 @ 4%

Annual interest: $1,844.19

On the date April 20, 2022

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

Welcome in my investment portfolio, Whitecap Resources Inc. (WCP) and Parex Resources Inc. (PXT)!

I hope you had a happy Easter! Mine was nice, I was off on Friday. I got my chocolate on Sunday :-) We had a nice few days, which make it perfect for some walking. Here are a couple of pictures. As you can see, the river is about to flood. It will probably flood soon because we received some rainy snow today. Also today, the TSX made us the honor to close on a fantastic 22,018.82 points. That lead my non-registered portfolio at $148,739.70, my US portfolio at $5,220.13, my RRSP portfolio - stocks only - at $67,969.11, and my TFSA portfolio at $131,724.16. My margin account debt is currently at $46 130,21. Soon enough, it will be less than $45,000. The TSX performed well today, but who knows what the upcoming days will be like, no one knows.

I currently estimate my net worth to be in the $358,800. I am not missing much before I exceed my highest net worth of March 29, 2022, which was $358,941.11. I am currently waiting for my paycheck this upcoming Friday. If I am lucky enough, I may be able to have my hands on a pretty $360,000 net worth by the end of the week. That would be nice. I am also waiting for my provincial tax return to come in, but I will probably get it only by the end of April. I had received nothing so far and it's been a couple of weeks already. I am getting impatient Quebec. I WANT MY MONEY, let's go. I currently have very exactly $9,244.60 in savings. I want to build up a bit more savings for a few reasons, one being because my laptop is getting old and I will eventually have to buy another one. Not now, but eventually. This baby is I think something like 8 years old. I also have a few upcoming health appointments that will happen later on once I hit back in Montreal. I have my insurance at work that covers a big part, but I always have a part to pay out of my pockets. I haven't decided yet, but I may get my highlights done when I am back in Montreal, and that alone cost something like $170 - highlights alone. And that being only to cover up a few stupid little white hairs that I just cannot stand. But at least it last good for a while.

Now that I almost have a stock portfolio exceeding the $300,000, it's only getting easier and easier. For example, today, my stock portfolios grow by +1,152%. That may sound like nothing much, but that +1,152% represents a sum of over +$3,500, which I am far from earning that amount of money in one day at work... When your net worth increased to a couple hundred thousand, it's just the kind of crazy amount of $$$ growth you can experiment with on good days. For that reason, things are getting much easier, so I think about building up some savings, and I can think about RRSP contribution for 2022, even if we are still early in the year. I was thinking about taking two investments from my non-registered portfolio, New Flyer Industries Inc. (NFI) and Intertape Polymer Group Inc. (ITP), and having those two transferred over to my RRSP portfolio as a contribution in kind. I had never done a contribution in kind over my RRSP portfolio. I am not looking to proceed now.

For now, I haven't sold any of my Savaria Corporation (SIS) shares.

I had a few bucks available in my TFSA and RRSP portfolios, so I decided to make a small - a very small investment - in both Whitecap Resources Inc. (WCP) and Parex Resources Inc. (PXT). Yesterday, Jean-François Tardif was at BNN's The Open. You can watch the interview right here in case you miss it. Parex Resources Inc. (PXT) is a Brian Madden stock pick. I think my days when I was making bigger investments are for the immediate time gone. For once in my life, I am about to have 10k in my banking account in savings and that's enough for me. If we are going to hit on a recession in the next year or two, I don't want to be the stupid girl who had bought stocks at their highest price. I am just too smart for that.

Saying thank you and goodbye to LifeWorks Inc. (LWRK)

I sometimes can be quite slow in doing my investment moves, but I way prefer to be a slow investor rather than doing whatever too quickly, and having some regrets. I don't have any regrets on my investing decisions, but its true that in some occasions, I could have done better. At this point, I was really ready to sell off all of my shares of LifeWorks Inc. (LWRK). The value of that stock had been on a decline for quite some time, but I had been able to make around $200 profit on it today. It's a small gain, but I take it anyway. On Stockopedia, LifeWorks Inc. (LWRK)'s StockRank is below 60 - which is super low - knowing, 100 is the best, and the lower it is, the worst your stock is... This was just my time to sell LifeWorks Inc. (LWRK). 

Following this, I bought some BCE Inc. (BCE) shares. I want to hold on to some stocks that will gain value over time. With LWRK, I was basically going no where. This brings my dividend income earned inside my non-registered and TFSA portfolio to $9,073.41. Including the dividends earned inside my RRSP portfolio, my overall dividend income is currently at $10,911.21. It's not too bad, but obviously, I would like to earn more from my dividend income.

I own many stocks inside my investment portfolio and many of them are very great performers. In the past, I had write some performance reviews. I had try to find one those posts to share them right here, but I haven't find any of them yet. Anyway, I think its time I post a fresh new performers review and I will do so soon in a next post.

Other than LifeWorks Inc. (LWRK), I have another stock that I am starting to worry about. That stock is Savaria Corporation (SIS). I hold on to some SIS stocks in my non-registered, TFSA and RRSP portfolios. I done very well with Savaria Corporation (SIS) inside my non-registered porfolio. But now, Savaria Corporation (SIS) is kind of bit in the same posture where had been LifeWorks Inc. (LWRK). For the past year, Savaria Corporation (SIS) value had been decreasing. However, if we look at its chart for the past  two years, things are a bit better. I am still on several thousands of profit when it comes to SIS. I am not againts Savaria Corporation (SIS), but I begin to think that I may be holding to too many of those beautiful SIS stocks and I am thinking about partly selling. I wouldn't mind selling and inject the money to pay down my margin debt. That could be an interesting option. For now, I am just thinking, but I know I would like to partly sell my SIS stocks. Its just where I am at the present time.

Another thing I am thinking about is to take my Intertape Polymer Group Inc. (ITP) shares that I hold in my non-registered portfolio, and have them transferred over my RRSP portfolio - as a contribution in kind. I never did a contribution in kind from my non-registered portfolio to my RRSP one. But I am quite familiar with the process when it comes to my non-registered portfolio to my TFSA one.

One of those stocks on which I kind of have a really open love-hate relationship is ATCO Ltd. (ACO.Y). Ever since that stock had been in my TFSA portfolio - and it had been a while now - that stock never really kick in in term of grow. But imagine this: currently, ACO.Y is on a gain of +1.55% inside my TFSA portfolio and I just can't believe it! Let's hope it will at least remain on that gain for a long time please. I cannot help it. ACO.Y is such an undelicate obsession.

On that super high note, my non-registered portfolio closed today session $146,893.01, my US portfolio at $5,172.28 US, my RRSP stocks only portfolio at $67,347.08 and my TFSA portfolio at $129,772.33. 

I am ready to say thank you and goodbye to LifeWorks Inc. (LWRK)

Yesterday, it had been raining for the biggest part of the day. When it finally stopped raining, the weather was just too cold for my taste. However, today was quite nice. Spring is in New Brunswick! And this is what it's looking like around here:

Look what I find! A nice truck :-)

The sidewalks are really dirty, but that's spring. 

You know that you live in the middle of nowhere and like it deeply when you get to understand suddenly that an orange truck is the most exciting finding you made in the past couple of days :-) It's not a Toromont truck, but it's quite a cool-looking truck anyway.

I still haven't received my tax refund from Quebec province, I am just waiting and waiting. And while I am still waiting, the TSX is still under 22,000 points. My non-registered portfolio closed today session at $146,978.85, my US portfolio at $5,212.39, my RRSP portfolio - stocks only - at $67,480.69 and my TFSA portfolio at $130,354,03. I think it will take some time before I ever see again my TFSA portfolio in the $134,000.

I am thinking more and more about selling all of the stocks that I hold of LifeWorks Inc. (LWRK) inside my TFSA. I had been thinking about this for a little while and I really begin to think that LifeWorks Inc. (LWRK) is not good enough to be in my TFSA portfolio. I also currently have a bit of cash just waiting to be invested in something inside my TFSA portfolio. I taught it might be a good idea to combine that cash altogether and invest it all in a few more shares of BCE Inc. (BCE). This move would bring my non-registered and TFSA dividend income to an equivalent of close to $757 per month. Not so bad. While collecting dividends inside my TFSA portfolio, I always try to reinvest the money in quality dividend stock payers. If you are feeling a bit lost and have just no idea what to do with your money at the present time, you can certainly keep the money in your saving account, and you can always invest a bit in JFT Strategies Fund Class A Units (JFS.UN). JFS.UN is a reliable fund and it might help you wake up your animal killer instinct while you are trying to figure things out.

I feel like bad stocks like LifeWorks Inc. (LWRK) that I held to are just on my way and keep me from being at my best. It's like LifeWorks Inc. (LWRK) is pulling me back. Currently, I want dividends and I also want good performers. I have all that with BCE Inc. (BCE). Yes, BCE Inc. (BCE) is already in my portfolio, but I don't have a huge amount invested in it. That's why I am feeling ok investing in it again. Sometimes, the best options and the most profitable ones are the easiest ones. And I like it easy.

That's why I won't ever consider real estate as an investment. That's just me. Owning your own place comes with responsibilities and I don't want any of that.

I also currently have a small amount of money available inside my RRSP portfolio to invest.

Yes, the Dividend Girl had been shopping on Etsy

The federal budget had been announced today. Nothing too much exciting, if not that dental health care program for seniors. My old folks will be able to benefit from that program in 2023. Otherwise, I don't see anything really exciting coming from this budget, it's not really a budget full of awesome projects to really help structure and face our current difficulties with inflation. It's basically as if the federal government has no plan to help us beat up inflation. I think the federal government actually likes this state of inflation and plans to do nothing much to help to decrease it. From my understanding, foreigners won't be able to buy a house anymore in Canada. It was about time that we kick non-citizens out of our real estate market.

I am not big on online shopping, but where I am located in New Brunswick, we don't have many fancy stores, and I must admit, I do some online shopping from time to time - but most of the time, I end up buying nothing lol. However, about two weeks ago I made an order on Etsy. I was looking for an everyday pair of earrings. I currently only had a pair of loops, but they are not in gold and I cannot wear them permanently on my ears because they are also a little too big for that purpose. I was looking for something simple in gold, and not too expensive, please. I find what I needed on Etsy, on the page of a Montrealer jewelry designer, annielesperance.

I end up buying a pair of her empty circle 14k gold filled round studs earrings, which I find to be absolutely perfect. I also purchased from Annie Lespérance this gold hairpin for my hair. It's a bit tricky to put in the first few times you use it, but it stays on my hair gracefully once I figure it out :-) I really like her designs. You may like to shop Annie Lespérance on Etsy and you can certainly do so right here. I currently have a crush on that bracelet.

The TSX closed the day at 21,834.89 points. My non-registered portfolio closed the day at $147,204.80, my US portfolio at $5,129.33, my RRSP stocks only portfolio at $67,785.97, and my TFSA portfolio at $130,891.31.