What it's like to live in a small town in New Brunswick: plenty of savings and no expressos

This past Friday's post title was quite hilarious. I am enjoying my time in New Brunswick. The weather is colder at times, but we have some nice days and it becomes warmer when the sun is out. You can say that I am enjoying New Brunswick's woods!

Moses like this kind of destroyed spot:

You can see how thin the woods are. You can see through the mountain. It's because that area had been butchered when my father was just a little boy and was hunting with his own father. This is just an illustration of how long it takes for a forest to take its full maturity, +75 years if you want solid grow woods. 

The last roses of autumn, still looking pretty enough to be on this blog. I like this light shade of ghosty rose.

I was quite happy with this past Friday's results for my portfolios. It's nice to have my non-registered portfolio in the $140,000 range. These days, both Bitcoins and Ethereums are doing super great. I still hold on to my precious ETFs Bitcoins and Ethereums. Currently, inside my TFSA, I hold units of Bitcoin Fund The Class A units (QBTC), Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B), and 3iQ CoinShares Ether ETF (ETHQ). With those investments, I am on a gain of $535. I do not need money or am in a rush so for now, I am going like the usual, I am holding and I will sell when my gains will become juicier.

Fact that I had been living in New Brunswick for the past couple of weeks really helped me to reduce my expenses, even if I have my rent to pay for my Montreal apartment. There's just no place to spend my money around here where I am in New Brunswick. It's not like in Montreal where everything is just next door. If you want just a simple example: today, I took a long walk to reach the "city" to visit a downtown coffee shop. It was a long walk, but I like to take long walks so it was ok, and the weather was nice. I was craving for a real expresso. So I walk all the way to the coffee shop, but once there, the coffee shop was CLOSED. It happens that they are closed on Sunday... It's the only place that I know of to get a decent coffee around here. It was annoying, but at least, I had done my walk for the day. I am missing my Montreal expresso, but it's not that awful.

My family has a Keurig machine. I discover a very good coffee in K-Cup pods: it's the Nabob 100% Colombian Coffee. I also like Nabob Coastal Blend. I would like to try the Nabob Bold Midnight Eclipse Coffee but I didn't find it. I like Nabob's K-Cup pods because they are not made from plastic, they are 100% compostable, and you get quite a decent coffee. So I am not suffering from coffee starvation :-)

At least not for now.

I am on my highest NET worth EVER: $338,959.91 - SHIT!

A few hours ago, I updated my investment portfolio. At now $338,959.91, my net worth is now super close to the $340,000. If I get lucky enough, I may be able to close the year 2021 on a $350,000 net worth - I would like that a lot. In my US portfolio, I had received dividend distribution for General Mills Inc. (GIS). Following what, I had a tiny little amount to invest. I decided to invest the small amount available in Pfizer Inc. (PFE). My newest investment made in Pfizer Inc. (PFE) closed today's session on a +2.21% gain. Also in my US portfolio, my investment in Vanguard Russell 1000 Growth Index Fund (VONG) gains so far 10.07%. Those US stocks are quite powerful. It's not easy however to find something great to invest in at a fair price, especially in the US.

Other than my US portfolio, my Canadian stocks are doing quite well. Everything is nice and easy with a TSX sitting on a fantastic 21,455.82 points. In a past post, a reader came with a reasonable question, asking why I hold so many stocks. My answer to that is: why not? The Canadian stock market contains many valuable assets. I try to have a well-diversified portfolio, in different sectors, in different companies. Personally, I don't want to miss out on anything. By that I mean, I wouldn't like to miss the opportunity to invest in a super good stock only because: oh, I cannot invest in this or this, because it will increase the number of companies that I hold inside my portfolio... You can simply resume this by: I love stocks and I invest in absolutely everything I want, when I what to.

And talking about stocks and new investments, Susan Brunner came with a new list of stocks to invest in during the month of November. In that list, we find a stock that caught my attention before: Empire Company Limited Non-Voting Class A Shares (EMP.A). I consider EMP.A as a future investment. 

Following my reader question, I wanted to fully illustrate why it is worth it - despite what you may think - to invest the way I do, my own little way. I had been on this post since this past Friday, but I didn't have time to complete it sooner. Below, I disclose - by portfolio - my stock performances. I like to do this kind of exercise from time to time. Currently, my best performer is Brookfield Renewable Partners L.P. (BEP.UN) with a gain of +349.72% (that being on the date of October 29, 2021).

Here are my profits - and sometimes losses - per portfolio, for each of my holdings. For me, this illustrates the importance and power of diversification. This is exactly why I will never stock searching for new investments. You just never know what you might discover next. I don't want to miss any opportunities, that's all.

Stocks and Units investment portfolio $CAN 

Canadian National Railway Co (CNR): +313.29%

WSP Global Inc. (WSP): 227,50%

Methanex Corporation (MX): +243.69%

TMX Group Inc. (X): +218.90%

George Weston Limited (WN): +160.66%

Loblaw Companies (L): +154.90%

New Flyer Industries Inc. (NFI): +95.43%

Savaria Corporation (SIS): +95.00%

Fortis Inc. (FTS): +89.72%

K-Bro Linen Inc. (KBL): +80.34%

Power Corporation of Canada Subordinate Voting Shares (POW): +75.09%

Enbridge Inc. (ENB): +71.20%

TransCanada Corp (TRP): +64.62%

Emera Inc. (EMA): +59.64%

Pembina Pipeline Corporation (PPL): +51.15%

iShares S&P/TSX Capped REIT Index (XRE): +48.98%

Canadian Imperial Bank Of Commerce (CM): +36.22%

Bank of Nova Scotia (BNS): +36%

Saputo Inc. (SAP): +18.88%

National Bank of Canada (NA): +1.12%

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): +98.56%

General Mills Inc. (GIS): +34.23%

Boyd Group Services Inc. (BYD): +11.16%

Vanguard Russell 1000 Growth Index Fund (VONG): +7.46% 

Tax-free savings account (TFSA):

Brookfield Renewable Energy Partners L.P. (BEP.UN): +294.66%

TFI International Inc. (TFII): +254.69%

Brookfield Infrastructure Partners L.P. (BIP.UN): +215.82%

WSP Global Inc. (WSP): +145.08%

Cargojet Inc. (CJT): +138.69%

Park Lawn Corporation (PLC): +134.86%

Toromont Industries Ltd (TIH): +134.13%

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): +118.71%

Canadian National Railway Co (CNR): +113.09%

Calian Group Ltd. (CGY): +101.21%

Exchange Income Corporation (EIF): +86.27%

CT Real Estate Investment Trust (CRT.UN): +85.12%

Granite Real Estate Investment Trust (GRT.UN): +78.54%

Morneau Shepell Inc. (MSI): +75.19%

Northland Power Inc. (NPI): +73.38%

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): +70.69%

Boralex Inc. Class A Shares (BLX): +66.16%

Toronto-Dominion Bank (TD): +64.93%

Royal Bank of Canada (RY): +47.25%

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC): +45.07%

Nutrien Ltd. (NTR): +37.78%

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC): +34.40%

Suncor Energy Inc. (SU): +27.56%

3iQ CoinShares Ether ETF (ETHQ): +22,77%

TMX Group Limited (X): +20.73%

JFT Strategies Fund Class A Units (JFS.UN): +18.06%

Bitcoin Fund The Class A units (QBTC): +17.04%

Canadian Utilities Limited (CU): +16.06%

Savaria Corporation (SIS): +15.54%

BCE Inc. (BCE): +13.32%

CGI Inc. (GIB.A): +13.15%

Telus Corp (T): +11.18%

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B): +10.60%

Metro Inc. (MRU): +5.90%

Alimentation Couche-Tard Inc. (ATD.A): +5.36%

Rogers Communications Inc. (RCI.B): +3.43%

PFB Corporation (PFB): +3.27%

North West Company Inc. (The) (NWC): +1.02%

Aecon Group Inc. (ARE): -4.56%

ATCO Ltd. (ACO.Y): -5.41%

Fortis Inc. (FTS): -5,61%

SIR Royalty Income Fund (SRV.UN): -23.06%

Andrew Peller Limited (ADW.A): -21.18%

Tilray Inc (TLRY): -34.42%

Data Communications Mgmt (DCM): -99.50%

Dumont Nickel Inc. (DMNKF): -99,92%

RSP investment portfolio: 

Brookfield Renewable Partners L.P. (BEP.UN): +349.72%

Richards Packaging Income Fund (RPI.UN): +200.49%

Thomson Reuters Corporation (TRI): +183.10%

Park Lawn Corporation (PLC): +162.59%

Savaria Corporation (SIS): +138.96%

Toromont Industries Ltd (TIH): +131.73%

Toronto-Dominion Bank (TD): +113.48%

Emera Incorporated (EMA): +87.46%

CAE Inc. (CAE): +67.08%

Boralex Inc. Class A Shares (BLX): +66.60%

Royal Bank of Canada (RY): +63.42%

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): +62.31%

Telus Corp (T): +58.29%

Leon's Furniture Limited (LNF): +57.76%

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC): +28.93%

Quebecor Inc. (QBR.B): +26.52%

Bank of Nova Scotia (BNS): +26.04%

JFT Strategies Fund Class A Units (JFS.UN): +10.45%

AirBoss of America Corp. (BOS): -11.49%

Cascades Inc. (CAS): -13.47%

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): -18.29%

Ovintiv Inc. (OVV): -70,86%

Rogers Communications Inc. Class B Non-voting Shares (RCI.B): +1.23%

Suncor Energy Inc. (SU): +5.37%

Historic of my Total assets and Net worth values on date of November 5, 2021

  So far for 2021...

Total in assets: $387,068.51/Net worth: $338,959.91 - HIGHEST  NET WORTH VALUE EVER!
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 November 5, 2021

Cold cash: $7,153.93

Stocks and Units investment portfolio $CAN 

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

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

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $140,112.12

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: $4,434.92 US: $5,492.20 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)

Morneau Shepell Inc. (MSI)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

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

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

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

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

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

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

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

PFB Corporation (PFB)

North West Company Inc. (The) (NWC)

TOTAL: $130,985.45

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)

Total: $62,515.11 

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,596.26

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

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

NBI Income Fund: $1,356.93

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: $8,923.29

Other various: $25,707.82

TOTAL: $103,179.16

Social Capital at Desjardins Membership share: $35

Online money: $110.65

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

On the date November 5, 2021

$387,068.51

My debt situation on date of November 5, 2021

Margin account debt: $48,108.60 @ 3.75%

Annual interest: $1,804.073

On the date November 5, 2021

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

 

Welcome in my RRSP portfolio Suncor Energy Inc. (SU)!

Yesterday, since I had a little amount available to invest inside my RRSP portfolio, I decided to invest in Suncor Energy Inc. (SU). Do I really need to tell you that I was motivated by the fact that Suncor Energy Inc. (SU) made a good decision: they double the amount of their dividend distribution! 

I was expecting Rogers Communications Inc. (RCI.B) to lose much more on value. I have to admit I was hoping to buy some Rogers Communications Inc. (RCI.B) shares at something like $50 per share, but it didn't happen. I was able to buy some RCI.B shares at a good price on October 25, but after that, Rogers didn't go down drastically.

Since yesterday, my really small investment made in Suncor Energy Inc. (SU) gains +5.37%, which is really good. Vanguard Russell 1000 Growth Index Fund (VONG), which I hold inside my US portfolio, is another investment that I made not too long ago and on which I had made already great gains: +7.46%. Just like for Suncor Energy Inc. (SU), Vanguard Russell 1000 Growth Index Fund (VONG) was another really small investment of mine. This is just an advantage that provides a very enjoyable zero commission fee with National Bank Direct Brokerage. Instead of having to wait and have a good amount available to invest, I can simply invest in a share-by-share mode if I want to. 

I can invest a really small amount of money at any time. I no longer need to worry about the commission fees. Since my commission fees with National Bank Direct Brokerage are of a big $0, I can invest in whatever I want when I want it, and the best thing of all, it doesn't matter how little the investment made is, because I don't pay any commission fee. This is exactly what I wanted to get so badly when I switched broker from TD Direct to the National Bank Direct Brokerage. It's complete freedom, a liberty that in the long run could be worth gold. This is really important for me because this is exactly how I built my portfolio over time, by investing small amounts of money over time, and 15 years later, tadamm... I have a +$330,000 net worth. 

At first, after 15 years, a 300k net worth doesn't seem that much. I agree. However, now more than ever, my portfolio grow more easily. It was only in May of this year that I reached my first $300,000 net worth and only 6 months later, that $300,000 jumped to $336,000. The TSX is at a really good place right now and it's important to take advantage. The only way to take full advantage is to invest in quality stock. With the TSX, we never know what can eventually happen, but I like to think that my first $400k net worth is no more out of reach.

I am currently working on a really complete and detailed post on which I recap my experience switching brokers from TD Direct to National Bank Direct Brokerage, I have a lot to say. But if you want to know now, overall, everything went really well. If you are smart and want to take advantage of National Bank Direct Brokerage's $0 commission fee, my best advice will be: GO FOR IT. Switching broker for National Bank Direct Brokerage was as easy as switching my New Brunswick health card to a Quebec one (I have done that too, but a long time ago :-). Really that easy breathy.

Today, my non-registered portfolio closed today session at $136 991,25, my US portfolio at $4 350,28, my RRSP portfolio at $61 728,36 and my TFSA portfolio at $129 683,74. I don't know if you had noticed, but I forgot to put PFB Corporation (PFB) inside my TFSA portfolio. I had just updated my portfolio page. However, I didn't forget about PFB Corporation (PFB). I invested in PFB Corporation (PFB) back in August of this year. Fact is, I wanted to add PFB to my portfolio for the longest time! But as soon as I added PFB Corporation (PFB) to my TFSA portfolio, immediately after, PFB began to lose in value... It wasn't fun to watch. However, lately, PFB Corporation (PFB) had caught up. I began to see PFB on its brighter side and it began to be a good value stock. Currently, PFB Corporation (PFB) is on a +3,27% gain.

Welcome in my TFSA and RRSP portfolio Rogers Communications Inc. (RCI.B)!

It's only earlier this morning that I decided to invest in Rogers Communications Inc. (RCI.B). It wasn't exactly planned. During The Open at BNN, Jon Erlichman explains that Rogers’s stock was losing value, and it’s when I decided: OK let's invest in Rogers! I had some money available inside my RRSP and TFSA portfolio, so I invested those small amounts in RCI.B. If Rogers stock goes lower tomorrow, I may invest again in it, maybe something like $1,000 or something. I am under the impression that Rogers Communications Inc. (RCI.B) is doing to lose another 5% tomorrow morning, but that’s just my opinion.

The ugly saga regarding Rogers Communications Inc. (RCI.B) and Edward Rogers so wanted-to-be CEO is still ongoing. It's certainly not fun to watch. Imagine Loretta Rogers, who's in her 80s, having to deal with her narcissistic son... One of Edward’s sisters, Martha Rogers, is not keeping quiet on this betrayal. However, I don't know if she's doing the right thing by writing on Twitter:

Personally, I wouldn’t react on Twitter or Facebook. I am not a fan of social media. It’s just not the place to react to things like that.

At this point, I don’t know what Edward Rogers plans are, but he’s not really popular and his ambitious plans are most likely to fail. As a result of all this mess, RCI.B stocks registered losses of close to 6% today. This saga is damaging Rogers’s image, but the good services that Rogers provides to its consumers won’t disappear overnight because of this mess. It’s always difficult to invest in a stock that is experiencing a downturn. 

In this case, I am confident with my move because this downturn that is currently experiencing Rogers Communications Inc. (RCI.B) is not a matter of quality, but only a matter of family problems. Personally, I will go much harder on Edward Rogers. If I were a Rogers’ family member, I would go to the police and put him under arrest. If nothing of this nature is being done, this would mean that the Rogers family has lost all control. Or maybe they are on Edward Rogers’s side after all but are not willing to admit it publicly. See, this is leading to all sorts of bizarre contortions. Currently, the Rogers family members are not in control of the situation and it’s quite frightening.

My non-registered portfolio closed today session at $138 912,18, my RRSP stocks only portfolio at $62 256,60 and my TSFA portfolio closed in its highest value ever, on a fabulous $131 426,11. I estimate my net worth to be in the $338,000. The $340k net worth is not far away. I was watching The Open at BNN this morning. Jon Erlichman was talking and at a point, a graphic show that so far this year, the TSX gains +30%! And that’s why my net worth is in the $338,000 right now.

This is, of course, awesome, but in this environment, it's difficult to find good-quality stocks at a fair price. There's always good stuff you can find, but it can be hard to find. Susan Brunner regularly writes her "Something to buy" series on her blog. For me, this drop in Rogers Communications Inc. (RCI.B) value represented a good opportunity. It’s difficult to find a good quality stock at a fair price, but it’s also difficult to find a good quality stock that pays at least a 3% yield... Rogers Communications Inc. (RCI.B) has it all.

Now, all the family drama has to come to an end, and quickly, please.

Does Stantec Inc. (STN) worth the excitement?

The TSX didn't register super great gains this past Friday. However, it closed on a good 21,216.15 points. It seems like the 21,000 points are the new normal - at least these days - for the TSX. My non-registered portfolio closed today session on a good $138 642,98, my TFSA portfolio on a SUPER $131 240,44, and my RRSP stocks only portfolio - at a good $62 214,97. If I am not mistaken, my TFSA portfolio is at its highest value ever. It's interesting to see that now, both of my non-registered and TFSA portfolios are almost at the same value. 

I don't like the drama that is currently going on with Rogers Communications. I hold on to some Rogers Communications Inc. (RCI.B) shares inside my TFSA portfolio. I like its 3.332% yield. Edward Rogers is desperately trying to remain a person in power within Rogers Communications. I don't like what he's doing. His actions are too bold and illegal. The decisions he's making cannot even be taken into consideration. At a point, this situation is creating confusion for everyone. It must be a miserable time for the Rogers family. 

I am obviously not a fan of Edward Rogers's actions. I find this article from Toronto Life. It gives an idea of Edward Rogers' narcissistic personality. He's so self-centered that he wants to replace 5 board members and select himself the newcomers. Back in the day, Ted Rogers didn't want to have his son Edward as CEO. There's no reason why he should be CEO now. End of the discussion. I am just happy that my investment in Rogers Communications Inc. (RCI.B) is not a large one. I don't like drama.

Other than Rogers Communications, Stantec Inc. (STN) had made the news for its acquisition of Cardno Limited. Currently, I do not hold any shares of Stantec Inc. (STN) in my portfolio. Back in the days - a long time ago - I used to have STN in my portfolio. I sold it because I didn't like the stock, it simply wasn't gaining in value. Maybe this acquisition will help STN to move forward. Personally, I don't have any interest in Stantec Inc. (STN). At least not at this time.

I am enjoying my time in New Brunswick. The weather is getting colder. 

It's quite easy to save money here because we don't have anything close by. I cannot walk to go to the grocery store, or go to the mall, or go to the movies, go to the library, a coffee shop, or the gym. People around here use their cars to do absolutely everything and you don't get to see many people around walking on sidewalks just for the heck of walking. I am getting quite a weird, isolated feeling sometimes. The days feel much longer here. It's easier for me to get things done. Like blogging, for example. 

Right now, I am thinking about investing in my RRSP. I was thinking about a $3,000 extra RRSP contribution for this year but no amount had been fixed for now.

I reached my highest value EVER on October 20: welcoming a SUPER $336,781.52 NET WORTH

Yesterday was quite a good day for my investment portfolio. I was able to close the day with a total of $384,785.92 in assets, and a net worth of $336,781.52. Today, my numbers are a bit lower, which was to be expected at some points. Even a Dividend Girl cannot always be on top of her game. My non-registered portfolio closed today session at $138 290,77, my RRSP portfolio (stocks only) at $61 967,50, and my TFSA portfolio at $130 997.01. 

I updated my dividend income. Overall, my dividend income is now at $10,174.44 for a year. If I excluded the dividend earned inside my RRSP, I earned $8,547.16 for a year or $712.26 per month. My main focus remains the quality of the assets that I hold. I welcome dividends as a little extra.

I am doing fine in New Brunswick. The weather is getting colder here. 

Historic of my Total assets and Net worth values

  So far for 2021...

Total in assets: $384,785.92/Net worth: $336,781.52 - HIGHEST  NET WORTH VALUE EVER!
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 October 20, 2021

Cold cash: $7,315.44  

Stocks and Units investment portfolio $CAN 

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

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

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

TOTAL: $138,939.11

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

Vanguard Russell 1000 Growth Index Fund (VONG) 

TOTAL: $4,381.04 US: $5,420.22 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)

Morneau Shepell Inc. (MSI)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

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

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

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

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

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

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

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

PFB Corporation (PFB)

North West Company Inc. (The) (NWC)

TOTAL: $130,983.22

RSP investment portfolio: 

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

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

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

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

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

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

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

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

AirBoss of America Corp. (BOS)

Total: $61,977.95

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,577.61

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

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

NBI Income Fund: $1,359.68

Manulife Fidelity NorthStar GIF CAP

Manulife Simplicity Growth Portfolio 

Maritime Life CI Harbour Seg Fund

Maritime Life Fidelity True North Seg Fund

Manulife GIF MLIA B World Invest

Total: $8,793.49

Other various: $25,196.03

TOTAL: $101,984.51

Social Capital at Desjardins Membership share: $35

Online money: $108.42

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

On the date of October 20, 2021

$384,785.92