Easy money-saving tip to help save close to $20 per month and maybe even more

I hope you had all a good Thanksgiving. This is the first Thanksgiving in a really long time that I had spent not being in New Brunswick. Just to make things worst, the hunting season was just been absolutely amazing this year in New Brunswick. My father killed a massive big moose early in the hunting season - which is unusual. Mooses are not of an easy hunting. In my life, I saw mooses only two times (but keep in mind that I never stay for the whole hunting season in New Brunswick, only a few days each year).

Also, partridges can be easily seen a bit everywhere, as well as deers. I remember years when partridges were really difficult to hunt, as there seem like there wasn't much of them in the woods. Well, those days seem to be over. Basically, 2020 was the year for hunters and I miss it thanks to COVID. Around Thanksgiving, for the past several years, I always been able to take a few vacation days and it's always been the best time ever to be able to go home at that time of the year. Because going hunting is way too much exciting!

The TSX is still on a good shape, closing the day on 16,468.80 points. Anywhere in the 16 000 points is quite a really good place, knowing that we are still in the middle of a worldwide pandemic. My non-registered portfolio closed today session at $102,940.36, my TFSA portfolio at $94,231.08 and my RRSP portfolio stocks only at $50,014.38. 

Today, a stock that I had been holding on for a really long time in my non-registered portfolio, Methanex Corporation (MX), gains 3.91% today. It's been a rocky road for MX, but I am still on a good position on this stock, and that being because MX had been in my portfolio for a really long time.

And now, on how to easily save $30 per month, that's quite easy: go for a cell plan that is lower in data, that way, you'll save certainly close to $20 per month. Now that we are spending more time at home, it doesn't worth it to have a cell phone plan high on data. I did that switch, and now I only have a 1 Go data plan, for $35 unlimited talk & text within Canada. I am with Chatr.

Welcome in my RRSP portfolio Cascades Inc. Unlimited (CAS)!

Finally!! This took forever to happen, but I finally invested the cash money I had inside my RRSP portfolio into something. And this time, the something has the name of Cascades Inc. Unlimited (CAS). And just to add to the fun, the TSX closed today session in the 16,534.54 points. My non-registered portfolio closed today session at $104,909.16, my TFSA portfolio at $93,766.81, and my RRSP portfolio - stocks only - among with my newest invest Cascades Inc. Unlimited (CAS) - at $50,250.45. I now just realizing this, but my TFSA portfolio ($93,766.81) is almost at the same value as my non-registered portfolio ($104,909.16). 

In her latest post, Susan Brunner had reviewed a stock that I hold inside my RRSP portfolio: Logistec Corporation Class B Subordinate Voting Shares (LGT.B). Check out her review here. From my perspective, it's a good review. LGT.B never really kick it off inside my RRSP portfolio. I didn't have the pleasure yet to register capital gain on LGT.B. Maybe better times are ahead for LGT.B.

I think I will be able to pay off my credit line by the end of November. Following what, I should be able to place a one last investment for 2020. I was looking into Susan Brunner best stocks list, and I was able to find two interesting stocks that I could eventually invest in: Empire Company Ltd (EMP.A) and Ritchie Bros Auctioneers Inc (RBA). I am not done yet looking into her list so maybe I will find other stocks. Before investing in something new, I really want to pay off my credit line. Interest rates are low right now, but paying down debt is hard, and I want to at least pay off that credit line before doing anything else. Following what, I will only have left my margin debt, which in under 50k right now.

My next investment for my RRSP portfolio will be Cascades Inc. Unlimited (CAS)

Today, the TSX closed on a fantastic 16,428.30 points. My non-registered portfolio closed today session at $102,928.29, my TFSA portfolio at $93,713.16, and my RRSP portfolio stocks only at $50,024.86. I think it's the first time ever that my TFSA portfolio is in the 93k value. Currently, both my TFSA and RRSP portfolios are exceeding this past August value. Only my non-registered portfolio is slow to catch up. Back in August of this year, my non-registered portfolio value was in the $110,000 and currently, that same portfolio is in the $102,000. However, please note that I had one investment - Rogers Communications Inc. (RCI.B) - that used to be in my non-registered portfolio, and that is now in my TFSA portfolio.

Today, I received in the mail a credit card balance transfer offer from CIBC. The offer is a credit card balance transfer for 10 months at 0% interest rate, but with an initial fee of 2% for the transfer. At a time when I am desperately trying to pay off my credit line debt, that offer makes me laugh. Currently, my credit line balance is at $2 928.25. Soon enough, that balance will be down to $1,739. I cannot wait to have it all paid down. Following what, I may be able to place an investment for the month of December. 

Justin Trudeau made today an interesting announcement that could be profitable for Cascades Inc. Unlimited (CAS) in the long run. By the end of next year, we shouldn't see any plastic straws, stir sticks, carry-out bags, cutlery, dishes and takeout containers, among with six-pack rings for cans and bottles, in circulation in Canada. It was about time. It's quite sad to see that in 2020, we're not doing much for the environment. We should have banned the use of plastic from our life several decades ago. This Canadian plastic ban could mean more growth for a company like Cascades Inc. Unlimited (CAS) who's already a leader in the production of packaging made of recycled fibers, like those ones. 

I still have a little sum in cash of +$500 inside my RRSP portfolio that is patiently waiting to be invested. In the circumstance, I think that Cascades Inc. Unlimited (CAS) is a good choice. CAS overall chart is not perfect, but it's no disastrous and who knows, maybe the future will be better for Cascades Inc. Let say that I really taught about this one. It will bring on some diversification to my portfolio. 

Inside my RRSP portfolio, I am already involved in the packaging sector with a stock that discovered way back on Stockopedia: Richards Packaging Income Fund (RPI.UN). RPI.UN is specialized in.. bottles. And I made a lot of $$$ on that stock alone. And now, Cascades Inc. Unlimited (CAS) will add on to that packaging sector of mine.

Other than JFT Strategies Fund Class A Units (JFS.UN), Cascades Inc. Unlimited (CAS) could be a good pick for my RRSP portfolio

Luckily, the TSX closed this past Friday session exceeding the 16 000 points. My non-registered portfolio closed at $101,451.41, my TFSA portfolio at $91,270.96 and my RRSP portfolio at $49,235.68. I had been busy and in result, I didn't place any new investment for my RRSP. So I still have a little $528 in cash inside my RRSP stocks portfolio. Other than JFT Strategies Fund Class A Units (JFS.UN), I came along with a stock that been highlight lately by BNN: Cascades Inc. Unlimited (CAS).

This past Friday session, one of my latest investment, Power Corporation of Canada Subordinate Voting Shares (POW) registered a great gain of 2.76%. Since "inspection" inside my non-registered portfolio, POW had registered a capital gain of +15.82%, which is quite great, especially in this pandemic environment.

I notice that BNN talked from time to time about Cascades Inc. Unlimited (CAS). CAS could be an interesting bet. JFT Strategies Fund Class A Units (JFS.UN) can bring in stability for the few dollars I currently have available to invest, but JFS.UN won't bring in any cash dividend. Dividend distribution is extremely important. It's because of the dividend I earn inside my RRSP portfolio that I can make a new stock investment inside that same RRSP stocks portfolio. And that's quite a precious process because even small investments made from time to time can bring on a lot of richness over time. I think I am a living illustration of that.

I used to be invested in JFT Strategies Fund Class A Units (JFS.UN), but I dislike my experience with that fund. When the TSX was rocking my world, the JFS.UN was in slow motion. As an investor, I wasn't feeling much alive when JFT Strategies Fund Class A Units (JFS.UN) was from my investment. JFS.UN doesn't pay any dividend distribution on a steady continuous way. Back in the days, when JFS.UN was in my portfolio, JFS.UN paid dividend about one time only, from what I can remember. You cannot rely on JFT Strategies Fund Class A Units (JFS.UN) for a continuous dividend distribution. It only pay dividend once in a tiny while. JFS.UN value is steady, but it never jump out in the sky in term of capital gain. You can compare JFS.UN to just an ETF, but a good one, that will never bring in high expectations in term of value.

It's why I prefer to keep thinking and it make me somewhat of a pandemic activity. There's never been a better time to search for perfect investment ideas, because perfection is hard to find. Cascades Inc. Unlimited (CAS) is not exactly perfect. If you want understand what I mean, I would say that POW is what you could considered as being a perfect stock.

An investment idea for my RRSP portfolio: JFT Strategies Fund (JFS.UN)

I listened to the first debate between Trump and Biden. I left somewhat confused out of it, but Biden gave a good performance and was strong. Trump not being your usual politician, it was hard for Biden to say a word without being interrupted by Trump. 

Tomorrow at midnight, Montreal will be making its comeback to the red zone, which mean that movies, public libraries, theaters and bars will be closed for the next 28 days. Restaurants will be open, but only for takeouts. Fortunately, hairdressers, gyms ans stores are remaining open. I didn't really wanted to visit the hairdresser now as I find my hair kind of ok for now. The only thing I would like will be to get some new highlights, but since that is costly, and I am trying to resist to the temptation for now.

Today was just another ordinary day for the TSX. Despite the fact that it was a real ordinary day, my TFSA portfolio closed at what I think is its highest value ever: $91,263.51. My non-registered portfolio closed today session at $102,528.11, and my RRSP portfolio stocks only at $49,216.40. My numbers are not ugly. I currently have a cash balance of over $500 in my RRSP portfolio and I didn't place any new investment yet. However, seeing lately Jean-François Tardif at BNN gave me this new idea: maybe JFT Strategies Fund (JFS.UN) could be a good investment idea for my RRSP.

What?!! Jean-François Tardif special guest at BNN The Open with Jon Erlichman

What I really wanted happen so I could enjoy this weekend: the TSX closed this past Friday session in the 16 000 points. I listen to BNN from time to time in the morning, and also in the afternoon. It's pretty much the same equivalent as listening tot he radio while working. The Open show worth watching this past Friday morning because just before the opening, Jon Erlichman had a special guest: Jean-François Tardif himself. Personally, I like Jon Erlichman, but I am getting sick over his work-from-home décor. He kind of has a vase in a corner, which looks like a farm bucket or something like that. I have a personal problem with the seeing of that ugly vase, but not only. What bothers me the most is the seeing of his dried flower sticks lying desperately inside the farmer bucket. I wonder when Amber Kanwar will be making her comeback. I think I saw her one time only recently, but that was the only time, maybe in replacement of Jon Erlichman for the day. Other than his dried flowers, I like Jon Erlichman. He's always interesting. Jon Erlichman  and Amber Kanwar are a great dynamic duo. Erlichman is better when Amber is around.

For this past Friday morning show, Jean-François Tardif décor also has somewhat annoying. In his background, he has that strange-looking figurine that probably represents a woman dress in a XIXth century outfit... golfing. It's well-known, Jean-François Tardif loves golfing, but I find that figurine weird looking and it amused me. Where that figurine is coming from and who gave it to him, I don't know, but it makes something to think about, always for the amusement part, much needed in those times of pandemic. In his background, there was also a box that seems just to be a box with office stuff. Other than his exotic golfing figurine, Jean-François Tardif office décor is not elaborate.

Of course, I listened to Jean-François Tardif carefully, almost desperately, trying to get a tip or two... After all those years, Jean-François Tardif view on investment didn't change. He's still into cash flow. According to Tardif, we are in crisis, and, at the same time, we are correcting. It's time to be more careful. Jean-François Tardif is into free cash flow at a reasonable price. According to Tardif, investors should avoid investing in companies that are not making money.

Luckily, Tardif gave BN viewers something to bite into: Diversified Royalty Corp. (DIV) and Nautilus Inc. (NLS). NLS is a US stock and DIV overall chart is not great. At 11.5%, Diversified Royalty Corp. (DIV) dividend yield is too dangerous. I dislike stocks that pay a high dividend yield like that. For me, both Diversified Royalty Corp. (DIV) and Nautilus Inc. (NLS) don't worth to be look at. I don't understand Jean-François Tardif interest. The JFT Strategies Fund (JFS.UN) that is under Jean-François Tardif management had done well under this pandemic. I used to have JFT Strategies Fund in my portfolio, but I eventually sell off all of my units as I felt that I wasn't getting enough for my money. I wanted to get much much more from Jean-François Tardif.

Did you know? Emera Inc. (EMA) had increased its dividend distribution!!!

This morning, Newfoundlander Fortis Inc. (FTS) didn't suffer much, actually not at all, from yesterday news: Fortis Inc. CEO Barry V. Perry calling for retirement. One thing for sure, shareholders can only be happy with everything that Barry V. Perry did for Fortis Inc. (FTS). I love stocks that make be shine like a diamond and Fortis Inc. (FTS) is looking good in my investment portfolio. Let's just hope that Fortis will continue its marvelous journey for a long time. I made a lot of money on Fortis Inc. (FTS) and I really want things to remain the same, or - why not - even better. Let's just wish Barry V. Perry a very long happy retirement, I have the feeling that he's a real nice person.

The TSX almost closed in the 16 000 points. This is quite encouraging, but I am staying mentally ready for more ups and downs. Today, my non-registered portfolio closed today session at $100,899.08, my TFSA portfolio at $89,193.38, and my RRSP portfolio, stocks only, at $48,149.34. I will be able to go through this, I am pretty sure. Especially while having Fortis Inc. (FTS) in my non-registered and TFSA portfolios. And I also have other super great stuff who are helping to keep my head out of the water, like for example another baby of mine, Emera Inc. (EMA).

Just a few days ago, on September 16, Emera Inc. (EMA) dividend increased $2.45 to $2.55. Yes, it's a tiny little increase, but its an increase anyway. The best thing of all being that EMA is looking forward to increasing its dividend growth through to 2022, with a target of 4 to 5%. That's really good news. And we need more good news like that over the TSX. Don't forget, things are never as dark as they appeared.

Fortis Inc. (FTS) President and CEO Barry V. Perry announces his retirement

Real bad day for the TSX as my worst fear became reality: the TSX closed in the 15 800 points. And of course, that affects the value of my different investment portfolios. I had listened to today Throne Speech, as well as Justin Trudeau's press speech this evening that took place just a few minutes ago. When I listened to Julie Payette's speech, I was pleased with everything that was presented. However, there were a lot of times in which there was a celebration of the Liberal party and of all of the great things that Trudeau has done for Canadians... It was kind of a look at us, the Liberal party is going great things for Canadians...

 

A lot of promises had been made. I think it's a real good thing to help out families and to make sure that every province had access to good childcare support. I can say that in New Brunswick, 30 years ago, there was nothing really set for childcare. Any mom could open her own kindergarten at home, without any regulations to be followed. At that time, families had to pay a high price to have their children taking care of. Back in the days, I know a relative who had a kindergarten at home, and it was a fee per day. When no system support families, that can quickly make things extra difficult. I don't know how kindergartens are how being finance in New Brunswick and the current regulations, but I am pretty sure that my home province will welcome any federal help in that matter. If the federal help in the field of child care, that will help to create jobs, and more women will be able to go to work or go back to school.

 

For that part, investing in child care is money well spend that can contribute to the wellness of everyone.

Other than that, the Liberal party will continue to give away money to support those who are out of works, and also to the businesses, different programs are being offered. It's all good, but the part that I dislike was when Julie Payette and Justin Trudeau both said that the government was able to help Canadians on credit because the interest rates are low. Nice, but at a point, all debt needs to be paid off. I feel that the Liberal party is being too generous with workers. We need all kinds of workers in different fields and sectors, but the current subvention for unemployment is being too generous, and no following up is being made to check if those who are out of work are currently looking for work. Right now, anyone can cash in unemployment benefit, they can stay at home without doing any job search, and during that time, many employers are desperate to find employees. Many things need to be improved, but they are not improving because the Liberal party generosity is being a big part of the problem. Future generations, and even mine, may have to pay a high price for that generosity. Under Justin Trudeau, the Liberal party is far from being perfect.

 

In those circumstances, my non-registered portfolio closed today session at a low $100,787.08, my TFSA portfolio at $88,699.04, and my RRSP portfolio at $47,945.02. My margin debt is now at $46,400.02, and I have left $17,301.27 in margin usage. I don't think I will proceed with any more contribution in kind for my TFSA portfolio. I am just enjoying what I have and it's about all.

 

Today, the President and CEO of one of my favorite stock ever, Fortis Inc. (FTS), announced his retirement. Under the leadership of Barry V. Perry, Fortis Inc. (FTS) was able to provide a lot of richness to their shareholders, and that include also me. I wonder how FTS stock will react to that announcement tomorrow morning. Let's wish that my next stock pick will be as good as Fortis Inc. (FTS).

How to deal with the COVID like a Dividend Girl

Yesterday, as I saw the TSX going down into the dark 15 800 points, I was seriously worrying. But today, just like magic, the TSX went back in the happy 16 000 points, so no problem :-). Today, my non-registered portfolio closed the session at $103,045.84, my TFSA portfolio at $89,525.72 and my RRSP portfolio - stocks only - at $48,265.70.

It's really unfortunate, but these ups and downs are here to remain, as long as the COVID will remain active worldwide. Even in more normal times - I hope you remember those - the TSX remains volatile and is normally sensible to a bunch of all sorts of events. The COVID is just the extra that we didn't need.

As the second round of COVID is hitting on the world, the situation is getting worst in Quebec province. New-Brunswick-Quebec border is still closed, and I think it will remain that way for a long time. Quebeckers are not careful enough while the COVID is still around and hurting more and more people. This pandemic reveals the total lack of organization of Quebeckers, their really poor health system, as well as their poor understanding of what the COVID is all about. We are in a much better place in New Brunswick because we are smarter. We understand what the COVID is, and how it manages to make it way within all of our social activities. Even if there's currently no case of COVID in New Brunswick, the population is extra careful and wear a mask in public places.

I live in Montreal and here, people more or less wear the mask properly and just don't take this pandemic seriously. As a Canadian, it's a real shame to see how Quebeckers are handling things. When it comes to COVID, you need to be extra careful. As a really smart New Brunswick, I am here to explain how to handle this shit to the best, without panicking.

The following is a Dividend Girl guide on how to deal with the pandemic.

First, always wear a mask in public places. The more you spend time in public places, the more you expose yourself to the COVID virus. You need to reduce those expositions to the minimum needed. As soon as you step outside, you are directly exposed to the virus. Everything that you touch with your hands can wear the virus on it. While wearing a mask, leave it on your face, don't touch it, don't touch the mask, don't touch your pretty face. After touching something, make sure you use Purell or a similar product on your hands.

Only remove your mask when you are back home. While being home, remove the mask carefully. Your mask may be contaminated with the COVID, put it in a place where it won't be able to contaminate anyone. Following what, wash your hands and wash for at least 20 seconds. Following what, I like to use a similar product to Purell, even after washing my hands.

While dealing with this pandemic, you need to close down your social bubble. Work from home if you can, don't visit anyone, don't go to the restaurant, don't go to the movies, don't go to the gym. However, you can: walk outside, but stay away from people. And if someone is getting to close, move out from there.

If you have a few pounds - or more - to lose, this is a good time to lose weight as the COVID like big fat inactive bodies. Eat some meat, eat a lot of veggies, and drink water. Talk to yourself and ask your body to reject the COVID virus, to destroy it if it's in you.

And that being said, I wish you good luck because you'll need some.

Northland Power Inc. (NPI) is killing it on the TSX

The TSX registered a nice little gain that drive my non-registered portfolio at $105,258.39, my TFSA portfolio at $89,954.57, and my RRSP portfolio stocks only at $48,747.37. Today, 2 of my stocks registered some quite good gain: Northland Power Inc. (NPI) with +5.22% and Quebecor Inc. (QBR.B): +4%. Also today, TFI International Inc. (TFII) announced the acquisition of a business in the US. However, the news didn't help TFII to register any gain today. Another stock that I hold, Loblaw Companies Ltd (L), had invested in Maple Corporation, which is a virtual care provider. Maple Corporation makes me think of  stock that I prefer not to invest in at this time: WELL Health Technologies Corp. (WELL).

Currently, with the number of covid cases that is raising in Quebec, and also across Canada, I don't know if we'll be bale to stay in the 16 000 points or not. It's really a week-to-week kind of situation. I always prefer to think that I will visit New Brunswick soon to keep my mental health in good shape, and I also really like to think that I will be home in New Brunswick right in time to enjoy the hunting season. But, between what I want and between what is probably going to happen, there's a big gap, unfortunately. Between March and now, I keep thinking New Brunswick, I check from time to time if the Quebec-New Brunswick border is opening, but not. And speaking about New Brunswick, believe it or not, the fire smoke of California had reached Montreal today, and it's about to soon reach New Brunswick,

Proudly paying down debt on a rainy day in Montreal

It ran a big part of the day here in Montreal. Since wake early, I was able to go for a little walk, but soon after I stopped at a coffee shop, it unfortunately started raining and it only stopped around 6 pm. More than Montreal, California would certainly had need all that rain.

The TSX closed this past Friday session in the 16 200 points. The way we were going not too long ago, it was like the TSX was about to pop up majestically to the 17 000 points, without too much problems... but no. Volatility in this market is extreme and it's surprising every time, but the only good things is that over time, you suddenly get it, it's part of the game. And it's a real dirty one. This past Friday, my non-registered portfolio closed the session at $104,063.67, my TFSA portfolio at $88,670.37 and my RRSP portfolio, stocks only, at $48,005.82. The number are not too bad, but to remain in in a similar state, I need just one thing: a TSX in the 16 000 points, and more, if possible.

Many of my most recent investments are doing quite well. With Power Corporation of Canada Subordinate Voting Shares (POW), I am on a gain of +12.36%; with Telus Corp (T), a gain of +4.33%; and with Metro Inc. (MRU), a gain of +2.49%. Among other goods news, my $4,800 credit line debt had now decreased to $3,221. I am working hard to pay it all by the end of November. Meanwhile, I am having an interesting time reading the comments post in my previous post. Being read or not, it's not something that is really important for me for many reasons. With all the too good investment picks that I provide for free, I prefer to be read by just a few. Every time - because this is not the first and probably not the last time - that I received a comment saying something like, I won't read your blog anymore... It's quite hilarious. I am not the one who's losing from this, only the reader who doesn't want to be a reader anyone is.

When it comes to Li Ka-Shing, questioning where is coming the wealth is completely legitimate. It's not because you can find the bio of the individual online that nothing is missing in it. I have no trust in Li Ka-Shing. I don't think that any Asian can possibly reaches a high level of richness without being involve in such form of crimes or with the mafia. When a rich Asian like Li Ka-Shing decided to invest his bucks in a Canadian business like WELL Health Technologies Corp. (WELL), it's your job to worry about the bad consequences that such involvement can have on the stock. When it comes to your money, you should always worry and only invest in extremely high quality stocks on which you can totally rely on.

Is WELL Health Technologies Corp. (WELL) could be a good fit in my investment portfolio?

The stock market ups and downs that we are in since the beginning of this pandemic is making hard to invest or to even like stocks. It required investments that are solid like a rock to go through this without too much damaged. In the circumstances, I considered myself lucky to have a net worth in the 200k. I always like to search for something new to invest in. Until today, I didn't have any new investment that I wanted for my portfolio, but that all changed when I met WELL Health Technologies Corp. (WELL). Having no investment dream, not having a single stock that I really want to invest in next is like super boring for me. 

 

And because I have the portfolio that I have for a long time now, it's hard to find something new to invest in, because I already hold so many great stocks. At a point, I consider it as being a normal situation not being able to find new stocks to invest in. The TSX has it limit, however, there's always something new, or a stock that went under the radar and I didn't notice for whatever reason. And that's exactly why no one should ever stop searching for new investments. You never know what you had been missing until you have find that new really hot thing.

In my case, that hot new thing is currently WELL Health Technologies Corp. (WELL). At less than $10 per stock, WELL is in a good place. That stock didn't pay dividend, but I wouldn't mind investing a small amount in it. I find that stock in The Motley Fool. It's the first time that I find a new stock to invest in by reading The Motley Fool. I don't hold any stocks that are in the health sector. I find WELL Health Technologies Corp. (WELL) interesting for that reason. WELL is a nice mix between technology and health. In my investment portfolio, I did really well on stocks that are related to the IT: CGI Inc. (GIB.A) and Calian Group Ltd. (CGY). Kind of bit like WELL Health Technologies Corp. (WELL), GIB.A and CGY both provide services in the field of technology. 

 

Back in 2019, it was said that Li Ka-Shing, a Chinese billionaire had invested in WELL Health Technologies Corp. (WELL). It's unfortunate, but stock markets are an open market, and even a rich Chinese can come over and invest in our market. And it seem like it's easy like that. Chinese interest shouldn't mix with Canadian ones. China being China, I am pretty sure that Li Ka-Shing is not an honest business man. Anyone with valuable money coming from China cannot be respectable. At a point, they had to do some crimes or financial crimes to come to that extend in a communist country. For that reason, I won't be investing in WELL Health Technologies Corp. (WELL) for now. 

 

Currently, I only want to pay off my $4 800 credit line debt. I am expecting a good amount on my paycheck tomorrow, and it will all go to pay down that little debt. I hope to clear it out soon.

Amazing Cargojet Inc. (CJT) is pushing me right to the edge

October is coming by in a hurry and it's quite sad but I don't think I will be able to visit New Brunswick for the hunting season.

Nice gain for the TSX today as we are getting higher in the beautiful skys of the 16 000 points, thanks to a nice gain close to the 300 points. Today, a stock that I hold inside my TFSA portfolio, Cargojet Inc. (CJT), registered a gain of 4.21%. Right now, when it comes to Cargojet Inc. (CJT), I am on a gain of +105.22% on that stock alone. This is really welcome because other stocks that I hold are not doing so well. For example, I am quite disappointed with the Bank of Nova Scotia (BNS) stocks that I hold inside my non-registered portfolio. Sadly, Bank of Nova Scotia (BNS) were among the first stocks to make it in my non-registered portfolio. That was several years ago. But between than and now, I am currently on a capital loss of $620.35. In this pandemic, Bank of Nova Scotia (BNS) had become both a pain and an obsession.

It wasn't that of a long time ago that I was on a good wave when it comes to Bank of Nova Scotia (BNS), I was registering good gain on that stock, but not anymore. This pandemic was hard on some stocks and Bank of Nova Scotia (BNS) is just one of those stocks that reveal itself as being weak as hell. Back in the days, if I would had invested in Royal Bank of Canada (RY) instead of Bank of Nova Scotia (BNS), I would be quite richer. Bank of Nova Scotia (BNS) proved to be just a garbage shit stock, driving me no where. Just disgusting. If could physically hit on a stock and make it eat some dust, that would be BNS. I hate my BNS stocks to the point where I am thinking about selling the BNS stocks I hold inside my non-registered portfolio to pay down my margin. Such move would reduced my margin debt to only $36,000. The other side is that BNS pay a nice dividend and I wouldn't like to say goodbye to BNS really nice dividend distribution.

On a higher note, my non-registered portfolio closed today session at $105,420.23, my TFSA portfolio at $89,148.48 and my RRSP portfolio - stocks only - at $48,480.40. I now have closed to $500 in cash balance inside my RRSP portfolio. I will be able to make a new investment soon.

I have no more investment dream, but that's ok for now

My non-registered portfolio closed Friday session on a tiny $103,997.52, my TFSA portfolio at $87,991.40, and my RRSP portfolio, stocks only, at $47,543.42.

I guess that the 16 700 points were just too good to be true, especially in the circumstances. I was getting quite comfortable and I really enjoyed having my net worth in the 230k, despite the fact that I was hoping for more gain. It's quite hard to see the TSX on a little 16,218.01 points, but at least, we are still in the 16 000 points. I don't know if it's because we are still dealing with this pandemic, but I don't have any investment project. I didn't catch on anything new that really light me on. These days, at the exception of the Cogeco takeover bid, which had been refused - for now - by the major shareholders.

Brian Belski of the really bad BMO Capital Markets is getting super excited for whatever reason and he's announcing hard and loud that the TSX is going to reach record high levels by the end of 2020. I wouldn't get too excited if I were Brian Belski, but big part of his job is to make fake prediction to trick investors. Sincerely, try at all cost to stay away from big bullshit givers like Brian Belski. The only thing he's good at, is showing off. 

Don't expect Brian Belski, even if he's a chief investment strategist, to come over with some awesome investments picks like I do. A job title mean nothing on the street. The TSX is just too volatile to make any prediction at all. Anyone with a bit of common sense will agree with me. Listening to someone like Brian Belski can create a feeling of over excitement for some investors. But right now, investors don't need excitement. We all need to keep our feet quietly on the ground, and we need not to panic, or become exciting over really anything. Right now, the best thing to do for yourself and your investments is to stay healthy, wear a mask in public area, wash your hands, eat clean. And personally, I can add to this paying down debt. Nothing better than paying down debt to stay grounded and right in your mind.

Other than my margin account debt, I currently have a credit line debt. The interest on it is super low, but I am looking forward to pay it down anyway. The amount I need to pay down is of $4,800. I am not in a mood to invest in anything. I spent my whole spring and summer, and now autumn in Montreal, without traveling, without vising New Brunswick. Saving money had become a too easy task. I should be able to pay off my credit within 3 months. $4,800 is not that of a big amount, but if you try to get it paid off, suddenly, that $4,800 began to feel like a little sum of its own. That's why it's so difficult to pay debt, because the difficulty really start when you begin the process of paying off, and than, it became difficult to live on a restrictive budget.

I hope to be able to pay it off by the end of the year, and if lucky, by November. It could be seem like a long way to go, but just a quick reminder, we are already in the month of September! Following what, I will only have left my margin debt to pay off, which is currently at $46,118.64.

This is 40

This is it, I am now 40. I am currently listening to Donald Trump nomination speech and wow, I learning that God is blessing America. Melania Trump is wearing an awfully fluo green dress that is just ugly to hell. Doesn't she have a stylist to help pick up nice outfit or what? On that one, Melania Trump did a major fashion faux pas. I just don't understand her dress. If Melanie Trump is trying to make a statement, I simply don't get it. She's way too flashy while facing a crowd sitting one on the other, and most of people sitting down there are not wearing a mask!

According to Trump, American border are more secure than ever before. Yep. and that's because the US-Canada border is closed buddy - thanks God. The pandemic is helping a bit Trump in the process.

Tomorrow is the DAY - only one day left before my BIRTHDAY... and the world as we know it will never never be the same

This is quite exciting. The TSX closed today session on a nice gain of over 170, for a majestic total of 16,789.97 points. My non-registered portfolio closed today session on a $106,628.01, my TFSA portfolio at $90,495.23, my US portfolio at $3,827.64, and my RRSP portfolio - stocks only - at $48,664.38. I think that this is among the first time ever that I am reaching 90k inside my TFSA portfolio. I am not updating ny portfolio this evening because I am kind of running of time as I have a couple of things to do, I am busy. 

But quickly: I currently have $449.96 in cash inside my RRSP portfolio that is coming from my dividend distribution. Soon, I will have enough to place a new investment inside my RRSP stocks portfolio. I really like to reinvestment the dividend distribution money in a new stock. I will have to think about a new investment for my RRSP portfolio.

Currently, my margin debt is at $45,890.91, and I have left available on my margin an amount of $20,379.46. This leave me a little bit of room to proceed with another contribution in kind for my TFSA portfolio. the Telus Corp (T) stocks that I hold in my non-registered portfolio remain a good candidate, so I am looking forward to make that move by Friday. And since I have so many contribution room left for my TFSA - which is a shame but I do what I can, iShares S&P/TSX Capped REIT Index (XRE) would be another good candidate.

And following what, I won't have any more picks inside my non-registered portfolio to do contribution in-kind over my TFSA portfolio. Especially if the TSX continue to register gain like today, its going to be harder and harder to target stocks inside my non-registered portfolio because all of my investments are like gaining in value and I don't want to select stocks that are on a too high capital gain as stocks for a contribution in-kind to my TFSA.

With Erin O'Toole, the Conservative Party is dead - and only two days left before my BIRTHDAY!

According to his Wikipedia profile, he's 47 years old, but Erin O'Toole look like he's much more older, like a 60 years old or something. Erin O'Toole has clearly express himself as being anti-patriotic. Nothing to be surprise of, especially knowing that O'Toole father was an Irish descendant and his mother was from England. O'Toole parents were immigrants. But the worst thing being that Eric O'Toole was born in Montreal. Quebeckers are well-known for being cheater, liar and incompetent. We already have experience it many times with Justin Trudeau. Canada certainly doesn't need another Quebecker as top leader. 

O'Toole is certainly not different than others and he's not different from Justin Trudeau. The reason why that I am saying that Erin O'Toole is anti-patriotic is because he wants to recognize Quebec as a nation. Quebec province is not a better Canadian province than others. It's a shame and it should be recognize as a crime to design Quebec province as a nation. We in New Brunswick, we are among the first citizens who had built this country. We are bilingual, and we are not asking for any special treatments despite the fact that we are certainly better than any other Canadians.

Under Eric O'Toole, the Conservative Party is going absolutely no where. O'Toole is just a stupid little player. What I am looking for, my ideal politic party would be build on pure patriotic values, closed to the extreme right, but without the violence. Currently, I am not getting any of that from any party.

In life, you need to know who are your friends, and who you can rely on. And it's also extremely important to be able to recognize your enemies. Right now,  Erin O'Toole is not doing anything great for Canadians. By his willingness to recognize dumb Quebec as nation, he's destroying us. But could we really expect anything more coming from a son of immigrant?

Finally contributing to my TFSA portfolio (yeah!) - and only 4 days left before my BIRTHDAY OMG!!!

The countdown still continue. Last week, the sell of Richelieu Hardware Ltd. (RCH) left me with a nice amount in my TFSA. I used that money to pay off an expense of mine, left some money to pay down my margin, and I also proceed with a contribution in kind to my TFSA portfolio. I took one of my recent investment that was in my non-registered portfolio - Rogers Communications Inc. (RCI.B) - and got it transferred over my TFSA portfolio. Since I still have several thousands left in contribution left for my TFSA, which is a shame, I am thinking about also doing a contribution for another recent investment of mine: Telus Corp (T).

Over the past years, I mostly contribute to my TFSA portfolio by doing contribution in kind. That's why the list of stocks that I hold inside my TFSA portfolio is much longer there than in my non-registered portfolio. It haven't always been that way. I used to have much more stock in my non-registered portfolio than in my TFSA one. Contribution in kind is an easy way to take advantage of your TFSA when no more fresh cash is available.

While targeting investments in my non-registered portfolio for possible candidates for a contribution in kind for my TFSA portfolio, I try to target investments that I care about and that I want in for the long run. Also, I like to target stocks that in the present time, are experiencing a small - or medium capital losses. Because if I go the other way, if I chose a stock that is experiencing big capital gain and get it transferred over my TFSA, unfortunately, I will have to report the capital gain and pay tax on them. Selecting stocks that you are experiencing a little loss on is the way to go. You won't be able to claim a capital loss, but you won't have to pay taxes on any future capital gain if the stock finally decided to grow. It's really important to take fully advantage of your TFSA portfolio because all dividend gain inside a TFSA portfolio is.. tax free and it's amazing.

Currently, I am experiencing a capital loss of  something like $500 on my Bank of Nova Scotia (BNS) stocks. BNS was a stock that was either in the Derek Foster Stop Working book, or in the Lazy Investor, I don't remember exactly which one, but BNS was a Derek Foster stock. This pandemic had been really bad for Bank of Nova Scotia. Since I am experiencing a loss on Bank of Nova Scotia (BNS), I had been thinking about using my Bank of Nova Scotia (BNS) stocks to do a contribution in-kind to my TFSA portfolio since I have left a really large contribution room for it, I could have done it without any problem. BUT, my problem being my margin account situation. A margin account is just a bitch that have control over you. While holding a margin account to a non-registered account, you cannot do everything you want, your liberty is being compromised. 

I simply cannot used my Bank of Nova Scotia (BNS) stock for a contribution in-kind because the margin value of my BNS stocks is just way too high. I would have to put on several thousands cash in my non-registered portfolio before doing that move and since I don't want to used any more debt money, despite our low interest rate environment, I am not getting into that shit. Low interest rate or not, it's extremely hard to pay down debt. Currently, I have a margin debt and a credit line debt that together currently make a total of $50 647.45. It's not that huge of an amount, I know I can take take down easily, over time. I am looking forward, now that I am soon about to turn sexy 40, to pay down my debt. We don't know how which turn this pandemic is going to take, I am getting older, as my "old" folks in New Brunswick, and I have no real trust in Chrystia Freeland as newly minister of finance. For all of those reasons, saving money and paying down debt - if you have any - should be - like it is to be - among your top priority.

Thank you and goodbye Richelieu Hardware Ltd. (RCH) - and only 9 days left before my BIRTHDAY!

Yesterday $234,852.72 net worth really surprised me. While noticing that my non-registered portfolio was exceeding the $110 000 value, I knew I have just no other choices than to update my portfolio.

The countdown continue... As announced yesterday, I actually moved on with my idea. This morning, at the TSX opening, I sold all of my Richelieu Hardware Ltd. (RCH) shares. Richelieu Hardware Ltd. (RCH) was a part of my TFSA portfolio since 2017. Until yesterday, RCH never been a success story in my portfolio. I saw my investment in RCH loosing as much as -$300 and more in value. My shares never really reached a positive territory. Richelieu Hardware Ltd. (RCH) value started getting better in the mid-July of this year. Yesterday was an over the edge performance for RCH. I had been waiting for 4 long years for that moment, but it's only yesterday that RCH began to finally deliver. This could mark a new era for Richelieu Hardware Ltd. (RCH). Maybe RCH is in for more gain. However, after waiting for 4 years, I wasn't going to waste any more time when it comes to Richelieu Hardware Ltd. (RCH). I am turning 40 in exactly 9 DAYS and I just have no more time to waste. I am not investing it stocks to glorify themselves, the effect wanted is actually all of the opposite. I want the businesses that I invest in to make me look good and push me over directly in the $300 000 net worth direction. Nothing too complicated to understand.

Just in case that you are wondering, I decided not to sell iShares S&P/TSX Capped REIT Index (XRE). XRE will remain for now in my non-registered portfolio, where it belong. I am afraid that if ever I sell XRE, I will lose up the "charm", and stop being successful with my portfolio.

Welcoming a $234,852.72 net worth - and only 10 days left before MY BIRTHDAY!

With today nice gain for the TSX, I was curious to find out where my value was at. My non-registered portfolio closed today session at $110,588.35, my TFSA portfolio at $89,868.72 and my RRSP portfolio at $48,110.87. And it's no surprise that my net worth closed this rainy day in the $234,852.72. Compare to my latest update which was on August 5, I made a gain of a bit over $8,000 in 12 days. If luck turn my way, I may be able to reach 240k right on time for my birthday. Got to hurry up TSX baby, because we only have 10 more days to go.

Something just too amazing to be true just happen today! For one of the first time ever, I think, I am on a little gain on Richelieu Hardware Ltd. (RCH). RCH always been a pain to hold inside my TFSA because that stock never went anywhere - it never really experienced gain. But now that I am on it - for like the first time ever - I just have one thing in mind: I WANT TO SELL OFF THAT CRAP!

LOL, but hell yeah. I may be turning 40 really soon, but I am still a really really bad bad bad girl.

I shouldn't be so severe when it comes to RCH. Back in the days, I had pick that stock on Susan Brunner blog. I taught I was on something good. But I never experienced really good gains on that stock and add to this already bad situation that Richelieu Hardware Ltd. (RCH) pays a really tiny dividend. Tomorrow, RCH, just get ready to be kick out of the woods. 

Also, I am secretly thinking about selling the iShares S&P/TSX Capped REIT Index (XRE) shares that I hold inside my non-registered portfolio. In there, I have XRE on a little gain, but since I already hold to a bunch of REIT inside my TFSA, I wouldn't mind selling my XRE shares to pay down a little my margin debt. 

My only problem is emotional, because XRE had been in my portfolio since my early beginnings. What if I sell XRE, and my luck, as well as my youth just fade away on that specific day when I turned 40... Can a single stock hold on to all of the white magic of the world? I am scare that if I sell XRE, I will be no longer me.

My investment portfolio on date of August 17, 2020

Cold cash: $2,065.64

Stocks and Units investment portfolio $CAN

Bank of Nova Scotia (BNS): $10,469.43

Methanex Corporation (MX): $3,006.16

Fortis Inc. (FTS): $6,856.35

Pembina Pipeline Corporation (PPL): $27,311.90

iShares S&P/TSX Capped REIT Index (XRE): $2,332.75

New Flyer Industries Inc. (NFI): $1,889.45

TMX Group Inc. (X): $1,088.72

K-Bro Linen Inc. (KBL): $3,352.00

TransCanada Corp (TRP): $$1,627.50

Canadian National Railway Co (CNR): $12,368.70

Enbridge Inc. (ENB): $15,197.00

Emera Inc. (EMA): $1,334.00

BCE Inc. (BCE): $1,241.68

Saputo Inc. (SAP): $1,409.60

Loblaw Companies (L): $848.52

Savaria Corporation (SIS): $8,421.56

WSP Global Inc. (WSP): $4,322.00

Aphria Inc. (APH): $1,208.00

George Weston Limited (WN): $99.58

Rogers Communications Inc. (RCI.B): $1,672.20

Telus Corp (T): $2,189.46

Power Corporation of Canada Subordinate Voting Shares (POW): $2,341.43

TOTAL: $110,588.35

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,653.76

General Mills Inc. (GIS): $2,056.64

Cash: $53.32

TOTAL: $3,763.72 US: $5 026,07 CAN

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,387.00

Canadian National Railway Co (CNR): $5,497.20

Exchange Income Corporation (EIF): $31.00

Brookfield Infrastructure Partners L.P. (BIP.UN): $3,963.72

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,732.20

Andrew Peller Limited (ADW.A): 

Toronto-Dominion Bank (TD): $1,259.20

Boyd Group Services Inc. (BYD): $6,285.90

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,313.80

Data Communications Mgmt (DCM): $1.53

Morneau Shepell Inc. (MSI): $2,565.00

Royal Bank of Canada (RY): $6,311.50

Park Lawn Corporation (PLC): $1,759.80

Toromont Industries Ltd (TIH): $2,940.00

BCE Inc. (BCE): $507.96

Boralex Inc. Class A Shares (BLX): $1,323.60

Richelieu Hardware Ltd. (RCH): $1,616.90

Savaria Corporation (SIS): $1,108.10

Northland Power Inc. (NPI): $3,640.00

Calian Group Ltd. (CGY): $4,625.74

Canadian Utilities Limited (CU): $1,391.04

WSP Global Inc. (WSP): $2,161.00

Granite Real Estate Investment Trust (GRT.UN): $777.30

Cargojet Inc. (CJT): $5,292.79

Nutrien Ltd. (NTR): $2,571.50 

TFI International Inc. (TFII): $4,583.20

Canadian Imperial Bank Of Commerce (CM): $2,919.90

SIR Royalty Income Fund (SRV.UN): $205.00

ATCO Ltd. (ACO.Y): $2,460.00

Aecon Group Inc. (ARE): $1,477.98

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,588.94

Metro Inc. (MRU): $2,275.06

Alimentation Couche-Tard Inc. (ATD.A): $547.80

Fortis Inc. (FTS): $1,860.25

CGI Inc. (GIB.A): $1,821.80

TMX Group Limited (X): $3,402.25

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC): $462.42

BEPC: $432.88

Suncor Energy Inc. (SU): $381.65

Cash: $781.89

TOTAL: $89,868.72

RSP investment portfolio: 

Emera Incorporated (EMA): $15,847.92

Ovintiv Inc. (OVV): $340.62

Toronto-Dominion Bank (TD): $1,888.80

Telus Corp (T): $2,454.12

Royal Bank of Canada (RY): $1,942.00

Savaria Corporation (SIS): $3,197.66

Thomson Reuters Corporation (TRI): $3,575.52

Park Lawn Corporation (PLC): $5,866.00

Richards Packaging Income Fund (RPI.UN): $2,500.08

Toromont Industries Ltd (TIH): $514.50

CAE Inc. (CAE): $1,462.30

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,188.15

Boralex Inc. Class A Shares (BLX): $1,654.50

Quebecor Inc. (QBR.B): $843.00

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $230.79

Brookfield Renewable Partners L.P. (BEP.UN): $1,097.06

Leon's Furniture Limited (LNF): $544.00

Bank of Nova Scotia (BNS): $343.26

BEPC: $247.36

Cash: $373.23

Total: $48,110.87

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,013.62

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

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

NBI Income Fund: $1,415.74

Manulife Fidelity NorthStar GIF CAP: $1 768,54

Manulife Simplicity Growth Portfolio: $1 328,69

Maritime Life CI Harbour Seg Fund: $1 500,21

Maritime Life Fidelity True North Seg Fund: $1 312,05

Manulife GIF MLIA B World Invest: $1 339,72

Total: $7,249.21

Other various: $17,499.40

TOTAL: $78,368.59

Social Capital at Desjardins Membership share: $35

Online money: $61.25

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

$286,013.62

On the date of August 17, 2020 

My debt situation on date of August 17, 2020

Margin account: $46,260.90 @ 4%

Annual interest: $1,850.44

Credit line: $4 900 @ 4.31%

Annual interest: $211.19

Total: $51,160.90
Total annual interest: $2,061.63
On the date of August 17, 2020

With a today gain of 6.55%, New Flyer Industries Inc. (NFI) is ON FIRE!

It was quite impressive to see the TSX reaching the 16 600 points today. Really recently, Barrick Gold increased its dividend distribution, as well as TMX Group Inc. (X). Luckily enough, I hold X in both my non-registered and TFSA portfolios. TMX Group Inc. (X). dividend increased is not much compared to the one that was giving to Barrick Gold, but a little increased is better than nothing at all.

While working form home, I like to listen to BNN. Today, GFL Environmental Inc (GFL) CEO was on BNN. It was looking like he was giving his TV interview from a luxury camper or something like it. Unfortunately, this CEO appearance didn't help GFL Environmental Inc (GFL) case over the TSX today, as GFL lost more than 5 %. I am just happy not to have GFL Environmental Inc (GFL) in any of my portfolios.

My non-registered portfolio closed today session on an AMAZING $108,822.34! My TFSA portfolio at $89,364.64, my RRSP (stocks only) portfolio at $47,345.41, and my US dollars portfolio at $3,793.00 US. Currently, I suspect my net worth to be in the $231 000. The last time I had a net worth in the 230k was back in February of this year. For my 40th birthday coming right on this August 27, I would like a 240k net worth please. Is it too much asking? We'll see.

In the meantime, I am just enjoying my New Flyer Industries Inc. (NFI) stocks, who decided to show it all today and hit on a majestic 6.55% gain. The road haven't been an easy one for New Flyer Industries Inc. (NFI). NFI had been in my portfolio since the early beginnings and ever since, we went to many ups and downs. In my non-registered portfolio, NFI is on a 21.55% gain. NFI is now on good vibes.

Some stocks are easier to hold than other. I wouldn't recommend you to invest in NFI. I am holding on to NFI because we now have a long history together and I am not losing money on it. However, the story could be different if you decided to now invest in NFI. Timing has a lot to do if you get successful or not with an investment.

However, a stock that I know and is easy to hold is WSP Global Inc. (WSP). I hold WSP is both non-registered and TFSA portfolio. In my non-registered portfolio alone, I am on a 69.96% gain on WSP. I had been successful with WSP Global Inc. (WSP), but however, beware that this one is a Quebec base company and it had deal with corruption and stuff. Let just say that WSP Global Inc. (WSP) is a real dirty one piece of whore company who clearly sold their soul to obtain lucrative contracts in the past.

If you are looking for something for reliable ans sustainable, something that you'll be proud to be holding on your portfolio, I absolutely got what you need: Toromont Industries Ltd (TIH). I am more than extremely proud to have Toromont Industries Ltd (TIH) in my portfolio. TIH is definitely one of those stocks that you can invest your bucks in and have almost nothing to worry about.

I am soon turning 40 and I certainly know good stocks. And you are just really really lucky to have find me.