Saying goodbye to Just Energy Group Inc. (JE)

My non-registered portfolio closed this past session at $188 256.56, my TFSA at $61 955.71, my RRSP (stocks only) at $37 454.43. My non-registered portfolio is down because of Just Energy Group Inc. (JE). I loved Just Energy. I had been invested in JE for many many years. Its been among the first stocks entering my non-registered portfolio. And currently, Just Energy Group Inc. (JE) lost 6.17% this past Friday. It's no surprise, despite the fact that its shocking. Just Energy had been facing problems like that for a long time now.

Susan Brunner has never been a fan of Just Energy. And her latest review of Just Energy, back in September, wasn't exactly a positive one. Right now, all signs seem to be pointed for an out move and very sincerely, the idea is not fun, it's never pleasant to sell an investment you had been holding to for a really long time, but I am now at that point where I am not willing to take more risks and I like the idea of selling all of my Just Energy Group Inc. (JE). The money will go to reduce the use of my margin, which is exceeding $103 000 at this time.

Selling JE will have a hard effect on my dividend earnings, but sometimes in life, to move forward, you need to make some sacrifices and selling JE represent sad moves, but its a necessity. I am losing You should never hold on to an investment only because it pays a juicy dividend yield. In this current situation, Just Energy Group Inc. (JE) is at risk of not being able to pay its current dividend. It's annoying to hold on to such unreliable stock.

At $188 256.56, I have a real good value in my non-registered portfolio and it's not time to give up - or to even keep, for sentimental reasons, hold on a stock that I had been holding to for a real time.

My very best piece of advices to any newbie stock investor or the easy way to get the best of everything on the stock market

Welcome to a new sexy wild world: the stock market!

While reading, but on some nice music, like this mix that I never get enough of DJ Grop G:

Investing in stocks can be intimidating. The lack of resources for brand new stock investors is obvious. I started investing in stocks after reading Derek Foster books. However, it took me a while to get to him because I find his bestselling book titled "Stop Working" too much. I personally dislike everything that is too on the popular side and I felt that his book didn't worth the reading because it was too of a punch in the face feeling. I just dislike everything that is marketing actually. Derek Foster was very active in a forum back in the days and I eventually got interested in his story, no matter the book title, I bought the book and my life never been the same ever since. Not that I had "Stop Working", but I now have a net worth that I never taught I could have, even if my 200k net worth may sound like not being much.

Very sincerely, I barely ever read about the real stuff of investing in stock anywhere on the Web. Its a tactic coming from the big players in the financial industry to keep you ignorant and obviously, to make up some money on your back while you rely on their system, on their financial advisors who most of the time are incompetent. Don't ever believe that financial advisors are there to help you. They are complete strangers who only want to get their dirty hands on your money. They are sharks. Banks CEO's and other financial institutions are being paid millions and millions of dollars every year. Banks employees' get received generous bonus base on their sales. Because that's what they do, they are sellers before being anything else. Where comes all of that money? A big part comes from commissions you pay to invest in their mutual funds and other financial products, it came from banking fees, interest you pay on loans, credit cards, etc...

I had been investing for many years and when I started, I went through the regular panels, I went to the bank and deal with financial advisors, financial planners, so call "professional" who is there to help you. I went to Desjardins Mont-Royal branch when I arrived in Montreal a couple of years ago. I started my search for investments and I was denied a fund I really wanted to invest in, even when I was aware of the risks and everything. In my position, I didn't have any choices, I have to invest in my own if I wanted to have things done my way. The experience with those damn Quebeckers was insulting - and it wasn't my only bad experience with financial advisor in Quebec, but it gave me valuable lessons that I am willing to share with anyone reading:

-Never rely on anyone when it comes to your personal financial
-Don't let anyone have control over your money
-Have the last words on your finance and fuck - among others - Desjardins

When it comes to money, Quebeckers are especially fresh, arrogant and you should NEVER trust a Quebecker when it comes to money. They are really sick people. When it comes to money, people are selfish. You have to protect yourself. Jesus Christ died and left us in a world of abominations and you need to deal with the most important things in life, including your financial life, alone. To be able to take full control of your life, you also need to take control of your finances. And don't ever think that someone else can do the job on your behalf. There was one Jesus, he died, no one is good enough, no one is enough caring to help you in the most important aspects of your life. This is something really important you must understand quickly in your life.

When it comes to money, please, just don't put your trust in anyone.

Its just a matter of coming all beef up baby and I am asking you right now: are you willing to be a soldier of your financial life and beat up all expectations or are you going to sit there and wait to be hit by a bullet on your forehead? (And that being of course not being independent and relying on other people to take money decisions).

Now that you are aware of that, the only way to have the last words on everything in your financial life is to open a broker account. While opening a broker account, DON'T open a margin account. I have a margin account myself, but I don't recommend it. A margin is an amount of money that is being loaned base on the value of your portfolio. The amount of money available at your disposal will be different every day - because the value of your portfolio will very everyday. If the stock market loses a lot of points, or if something happens to the value of the stock, you couldn't face a margin call, and you'll have to quickly put money in your brokerage account or worst: sell off your stocks to pay your margin.

Only invest money you have at your disposal. Don't invest using credit. Also, don't invest all of your money - leave you a good amount in your banking account. Because if you need money quickly, if you won't going to like having to sell your previous stocks. A good amount for me would be $10 000. I am good at giving advice that I don't follow myself. I personally have less than $4 000 in my banking account. But that's because I am addicted to the market and I invest all of my money in stocks. It's also the reason why I have a margin account. However, you need to be better than I am, control yourself and make the right decisions: keep money in the bank, don't open a margin account.

Also, they'll ask you if you want to trade options, but you can say no for now. You might want to invest in stocks only to start with. I never understood how options work. If it happens that you are a genius, you'll be able to set up for trading options, later on, it's not because you say no now that you won't be able to get it later on.

For broker, I suggest to select one that is an affiliate of a Canadian bank, to avoid any kind of problem, that suddenly the broker Web page no longer exist.... I personally invest using TD Waterhouse, now name TD Direct. They won't charge you inactivity fees if you stop investing in new stocks. Their services are reliable. They have eServices where you can download online all the papers you need for your tax declarations. They also have monthly statement and a few cool features easy to use. It's easy to trade using TD Direct.

With TD, you can: have a non-registered portfolio - that being a portfolio that is not inside TFSA or RRSP - its the ordinary one. You can open a TFSA portfolio and an RRSP portfolio if you want. If you invest in a TFSA portfolio - be aware that the usual contribution limit applied. Specific contribution limits exist for TFSA and RRSP - be aware of them before investing. If not, you could pay big tax penalties. You can also set up a trading account in US dollars, but since you just have begun, you may want to concentrate on Canadian stocks.

Let say that you now at this point have a broker account with TD Direct and that you are ready to invest! The fun begins here. However, you must be aware of several things before starting for real:

-investing in stock is not a safe heaven. As soon as you invest in stocks, the money of your money can go up or down. A stock is not a safe guarantee investment. However, if you pick the right ones, rewards will be big. But there's no guaranteed return.

-once you invest in stock, your life will be linked to the stock market. At every moment of the day, you may check the value of the TSX.... Your stocks will always be in your mind. They'll become an extension of your soul and it will soon enough become a big part of your life. Investing in stocks, the stock market is not for everyone. I can be as stressing that it can be rewarding. Currently, we are at risk of a nuclear war. If something happens, the stock market will take a down hit and immediately, the value of your stocks will decrease. Seek inside what kind of individual you are. How do you react to stress? Are you willing to risk the value of your saving? If not a nuclear war, everything can happen, and what happens in the outside world is directly connected to the stock market and its out of your control.

If you feel ok dealing with the stock market addiction and that you truly understand all the risks involved, please fee to BUY your first new stocks. You should be excited! WELCOME IN MY WORLD.

While having a broker account, you can buy anything that is trading on the stock market. No one is there to tell you that you cannot buy this or this... No one is there to tell you in which stock to invest. A broker won't ever give you investment advice, their only duty is to cash in your commissions fees, answer questions if you have any, but they are not there to give advice and they truly don't care if you make money or not. You are the master, and you have now to make the right decisions. With a broker account, you have the full responsibility for your financial life. We are at the center of everything: the stock you decided to invest in will make you richer, or poorer. Making a decision to invest in a stock is a big decision.

On the stock market, the temptations are BIG. It's the house of the devil himself. You might be tempted to invest in penny stocks like Timothy Sykes. You might be tempted to invest in gold mines like Eric Sprott. And even worst, give away thousands and thousands of dollars in tutorial fees to the Institute of Trading and Portfolio Management of Anton Kreil. No need to spend your valuable money on Anton Kreil. You can, like me, watch the videos of the Institute of Trading and Portfolio Management on YouTube, they are fun to watch and interesting but don't ever spend a dime on their program. It quite amusing on how much Anton Kreil so calls "Institute" is pushing for the so complex world of stock market, with a bunch of complicated scheme and distractions to the real deal. Fact is, investing in stock is the easiest thing in the world. What is not easy however is to stay away from those temptations, not to over-trade and not to borrow money to invest.

Here we are dear friends the most exciting part: what to invest in! Of course, you understand that I am not a professional, and if you chose to invest in the stocks below, it's at your own risk.

I came with a few stocks idea of my portfolio that are strong and reliable:

Bank of Nova Scotia (BNS)
BCE Inc. (BCE)
Saputo Inc. (SAP)
Fortis Inc. (FTS)
Canadian National Railway Co (CNR)
Boyd Group Income Fund (BYD.UN)
Park Lawn Corporation (PLC)
Toromont Industries Ltd (TIH)
CT Real Estate Investment Trust (CRT.UN)
Brookfield Infrastructure Partners L.P. (BIP.UN)
Toronto-Dominion Bank (TD)

With those stocks, I wouldn't mind telling you to invest 5k in each. They are my very best picks.

And now, how does it feel to get the very best of me for absolutely NOTHING at all? All this for free, I CANNOT BELIEVE. LUCKY bastards. lol

Hope it was helpful, best of luck (you'll need some) ;-)

Crazy cool sexy dividend investment: what you should really be aware of

Today, my non-registered portfolio close the session at $190 705.54, my TFSA portfolio at $62 413.80 and my RRSP portfolio, at $37 374.78. I am currently under the impression that my net worth might be around $216 000 right now. My latest investment, Aecon Group Inc. (ARE), is stable. CAE Inc. (CAE) remains in the good profit zone for now, which hasn't been the case. WSP Global Inc. (WSP) is doing super great right now, and so many others of my stock.

My dividend income, at $714.27 (excluding RRSP dividend distribution, like always), is quite nice, but of course, I just want to see that amount increased. I am in no rush, and it's important to stay away from funds or stocks that pay an excessive high dividend. I always like to search for new stocks. The excitement comes from the fact that you never know what you can find, and the dream of hitting my next everything is a thrill I can't ever enough of, even after all those years.

In my very eternal search for new dividend stocks, I am doing it the easy way: I am checking on Susan Brunner blogs. First, on this one. I got to know Waste Connections Inc. (WCN). Nice, but WCN is super expensive and pays very little in dividend, but worth the interest. It's not because a stock pays very little in dividend that it doesn't deserve a place in your portfolio. 

The financial sector is really generous in term of dividend distribution. However, you have to be careful and a good portfolio is a diversified one in different companies, but also in different sectors. So the taste for dividend can also be your worst enemy. If you wonder if your portfolio is well diversified enough, you'll like Stockopedia. They have a Folio - UK English word for Portfolio maybe??? - section, where you can recreate the holdings you have in your broker account, and you can see how much, in %, you have in the financial sector and all other sectors on the TSX. I am not exactly up to date on that matter, but my biggest sector is Consumer Defensives, at 18.75%. Otherwise, I am pretty well diversified because as you know, I love everything, I love my stocks and I want EVERYTHING.

I catch this stock on Susan Brunner blog, Granite REIT (GRT.UN). GRT.UN looks interesting and pay a dividend of 5.143%. Nice! But oh, wait! I already hold enough of REIT stocks in my portfolio, and I am already enough exposed to the financial sector. So GRT.UN is a no-no for me. At least not now. For now, I just don't know exactly what I want. It's not just because I am lazy. It's just a matter of not knowing.

Do you see now how difficult it can be to find new stocks to invest in? Especially in case. The best of the best, I have many of those very good quality stocks in my portfolio and it's for that reason that.. .are ready for this? I don't think so, but ready or not, you'll have to take it because I am going to hit it right in your face NOW: since October 2017, for the past 12 months, my broker statement is giving me a return of 46.19%, for the past 3 years 22.54%, and since 2012, 19.32%.

More than dividend, investing in quality stocks will bring capital gains for the long run. Dividend income must be seen as a little bonus that you get as extra cash. While investing, dividend shouldn't be your main focus. Good quality stocks will support the value of your portfolio during downtime.

Just don't tell everyone yet, but I feel I might come to the point where I feel that I hold on to the best of the best of the TSX on my portfolio and I doubt I can do better than what I have done so far. I can push baby, don't get me wrong, but barely anymore. I just cannot do better and it's strange to be just in front of the screen, trying to pick another hot stock and just be in the waiting.

I would like to have everything it needs to just keep money in the bank for a while before the stock market collapse. My biggest concern at this time is not having enough cash, and I am a bit obsessed because I wonder if the markets can remain on the high like this for a very long time. The unknown is a stress that investors have to deal with.

From now on, after reading my every word, you'll always be the best investor you can be. I wish you the same and beef up on those capital gains, dividend is only coffee money.

The art of to be or not to be a dumb-bumb Quebecker

Today is an exciting election night in Quebec province for municipal elections. I am in Montreal, I had voted for Valérie Plante, but we'll see who's winning later on tonight. So far, Valérie Plante wins, with 51%. For once, I think I could be impressed by those Quebeckers. I am an outsider, I am not a homeowner, I don't have a family of my own. I am not an active member of Montreal society, but I did vote. Fact that Valérie Plante or Denis Coderre win the election will have a poor  incidence on my life. But for those who are homeowners and pay big taxes big times in Montreal, those are the ones that should be voting. However, it's about only 31% of the Montreal citizens that had voted in this municipal election. And that's quite dumb because houses are expensive in Montreal, and taxes are quite something too, and the public transportation is far from being efficient. There're much homeless and people suffering from poverty in Montreal. 

 

When it comes to the very social side of Montreal, Denis Coderre hasn't done enough for the citizens and that's why I didn't vote for him. He's acclaim among his "business friends"  Sephen Bronfman, Pierre Boivin, Eric Boyko, Mitch Garber and Bertrand Cesvet, but richness is no sign of intelligence. Actually, none of those businessmen really care about Montreal citizens. They don't care about the poor quality rental properties in Montreal. They are not the one who used the crack pack Montreal subways and bus in the morning. One reason why Mitch Garber is buddy-buddy with Denis Coderre is that he wants baseball back in Montreal and he wants to be involved in the deal.n the other hands, Valérie Plante had the intelligence to question the necessity of having baseball back in Montreal. All the money could be put to good used for the citizens.

And oh surprise, Sephen Bronfman is directly linked to an offshore trust in the Cayman Islands... Just another dirty rich Quebec man who should be sentenced to a lifetime prison sentence.

It looks like I won my elections. Its now 21:25 pm and its been officially announced, Valérie Plante is now the mayor of Montreal.

Newest high for my non-registered portfolio: $190 851.41

My non-registered portfolio close today session at $190 851.41, my TFSA at $61 751.39 and my RRSP, at $37 471.94. It looks like that investment portfolio of mine won't ever stop growing. Its just going to be super hard when a stock correction will happen, for whatever reason. And it will happen, you always need to be ready for that eventuality. Any gains help to protect my portfolio from any upcoming corrections.

My portfolio just keeps growing. In date of September 2017, my broker account gave me a 39.27% return for the past 12 months. October had been a fabulous month so I can't wait to see what will be the return on my next statement. While I am doing fabulously well, Jean-François Tardif JFT Strategies Fund (JFS.UN) close today session at $13.80. And that being now, with a TSX at a very great 16 029.33 points. The strangest things ever being that JFS.UN highest value for the past 52 weeks had been of $15.05. Why that now that the TSX is higher than ever, why is JFS.UN is now at $13.80 per unit. Why is JFS.UN is not now exceeding its highest value in the past 52 weeks? It's for a simple and good reason: Jean-François Tardif is no longer the TSX rocking star that he used to be and its a real big disappointment. So far in 2017, JFT Strategies Fund (JFS.UN) had underperformed the S&P TSX by 12.96%. Is this really a surprise? Quebeckers being the incompetents that we all know, Jean-François Tardif is no exception to the rule. Tardif is a pure incompetent.

One sad thing about this is that some poor investors had put some of their valuable money in the hands of Jean-François Tardif. And like a pure gangster, Tardif is charging 1.5% management fees on that fund. Anyone who's investing in JFS.UN right now is losing big time for several reasons:

-JFS.UN management fee is 1.5% - which is being deducted, that the fund perform well or not, it doesn't matter, the man is getting paid anyway!

-JFS.UN doesn't pay any dividend distribution.

-By investing in JFS.UN, you don't allow your capital to grow as much as it can be.

I was invested in JFT Strategies Fund (JFS.UN) long way before, but I finished selling because I wasn't satisfied with the returns. I had received a comment from a reader a little way back, asking me what he should do with his investment in JFT Strategies Fund (JFS.UN). At the time, I advise that he should hold the investment, but now, after seeing JFS.UN not growing stronger after having a TSX exceeding the 16 000 points, I mean, the poor Tardif is a dead manager.

Right now, I would advise anyone who has JFS.UN shares in his portfolio to sell and reinvest the money in Toromont Industries Ltd (TIH). And one thing to remember: play it safe like with a wild lover because you never know when a stock correction will hit you over with a baseball bat. So better play safe.

Another historic day on the markets: the TSX closed the session at 16 025.59 points!

I just can't believe, we already in November tomorrow, another month passing by mean, among other things, another rent payment . Right now, I am a princess, and my castle is the TSX. Today mark another historic day on the Canadian stock market: the TSX closed the session at 16 025.59 points. In result of those fantastic points, my non-registered portfolio closed today session at $190 037.30. Its the first time EVER that my non-registered portfolio reach the 190k mark. My RRSP portfolio closed today session at $37 700.60, and my TFSA portfolio, at $61 591.74.

Colliers International Group Inc. (CIGI) closed today session by gaining 7.92%. Its a stock that been on my watch list since a little while. Its currently the single and only stock on my watch list, because I usually invest quickly in stock that have an interest, and I certainly should have invested in CIGI. This is what I like to explain as the "Dividend Girl effect". The Dividend Girl effect is when me, a so call Dividend Girl, write about a stock, or announced a new investment recently made, and following what, the stock gains in value. 

Its important to always have new stocks on the radar because you never know when you'll discover your best new phenomenal stocks that will lead to only success and money.

I just learned the weirdest thing ever over the news: René Lévesque was born in Campbelton, New Brunswick! The man who shit on Canada for decades and who founded the Partie Québecois was born in my province! Unbelievable. René Lévesque was nothing more than a man of poor integrity who disrespect Canada. Anyone trying to divide my country is what the Catalonia is to Spain: complete bastard idiots who are nothing more than poor rats and second class citizens. We should never forget what Quebec did to us and what the Partie Québécois and Québec Solidaire still are on the go of doing. Recognize your enemies and fight them tot he end of times. I hope Spain will fight against Catalonia and may the nazi land perish.

This being said, I just add another stock to my watch list: COGECO Inc. (CGO).

For the first time in history, the TSX close the session in the 16 000 points!

CELEBRATIONS! I was hoping to see it happening by the end of the year, but it happen much sooner than expected and its super great. On this special day, the TSX closed the session at a very good 16 002.78 points. On this historic day, my non-registered portfolio close the session at $189 605, my TFSA portfolio at $61 562.09, and my RRSP portfolio (stocks only) at $37 811.81.

It look like nothing is going to stop this spectacular grow. Its a good time to be an investor.

Today, I vote Valérie Plante for Montreal mayor

I am not a Quebecker and I will never be, but fact is, I pay my taxes in Quebec province, my driver license is a Quebec one, and so is my medical care card, even if I don't have a family doctor and that I won't ever request health care, by lack of trust in everything that includes Quebeckers dealing with others. I am in Montreal by necessity, not by choice. It’s the first time ever that I vote in a Quebec elections. I decided to vote in this municipal elections because Denis Coderre is just too much of a showman clown. He doesn't act enough in favor of the citizens. There's a lot of dishonesty and arrogance in Denis Coderre leadership. It becomes so terribly disgusting that I, proud New Brunswicker, decided it was time to shake up things a little and go vote in this province that is not mine. I did it for Valérie Plante. I like her tone, her talk is not aggressive or arrogant, she's an intelligent woman, even if intelligent and Quebecker are two words that mismatch most of the time... I sincerely believe that Valérie Plante has everything it takes to be a good leader for Montreal.

When it comes to politic, transparency and honesty are important values for me. If a leader tries to hide information and don't clearly answer questions that are being asked, it's quite a problem. One of those big problems that keep going on and on is that Denis Coderre doesn't want to say how many tickets had been sold for the Formula E. Its an even that caused big trauma among business owners and citizens living in that downtown sector for several long weeks. It's something that voters need to keep in my mind. Montreal didn't need the Formula E. I went there, seeking around, and it was quite boring, and I didn't purchase a ticket to enter the site.

Also, there're many problems in Montreal. Public transportation needs major improvements. There's a lack of affordable housing. Many problems are not being addressed properly when it comes to clean up slums, not enough resources for the homeless. It's easy to do the showman and act like a CEO instead of a mayor. Denis Coderre is not the best for Montreal. The city needs someone who's willing to work for the citizens and resolved all the problems that Denis Coderre never took care of. Valérie Plante is a better choice and I voted for her today. 

Fact that I vote today is a little move to have a positive change made in Montreal so I can be a bit prouder to live in this city.

You may notice, I posted an update of my investment portfolio. And it seemed like a girl that I know now has a net worth of $212 633 and a few cents! And it was quite an exciting find because just by quickly looking at the numbers, I taught I was only at somewhere $207 000 in net worth. I never could imaging that I was going to hit on the 210k, an even exceeding, anytime soon. Now, its official, I am the Queen of the TSX, once for good, I am. Its quite good because I needed a cheer up love after selling ABX.

When I updated my investment portfolio, a few things catched me:

-My investment in Premium Brands Holdings Corporation (PBH) is almost at $50 000.

-I am now in the profit zone with CAE Inc. (CAE), WSP Global Inc. (WSP) and CGI Group Inc. Class A Subordinate Voting Shares (GIB.A) - It took a long time to GIB.A to get to that point.

-My dividend income, excluding RRSP, is now at $8 571.24

-I am impress by the profit registered by Park Lawn Corporation (PLC). I found this stock on Stockopedia a while agao and ever since, PLC had been on the road for real good money.

If North Korean don't attack the US with a nuclear bom - or vice versa - I think I could be on 300k really soon and if it does, I promise you a surprise. In the meantime, I have no idea on what my next investment is going to be.

My debt situation on date of October 27, 2017

$103 778.63  at 4.25% (?) = to be confirmed...  in annual interest 

[In date of October 27, 2017]

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

My investment portfolio on date of October 27, 2017

Non registered Investments:
Cold cash: $2 168.42
  
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.26
Bank of Nova Scotia (BNS): $9 860.34
Blue Note Mining Inc. (BLNMF): $0.05
Methanex Corporation (MX): $6 593.03
Fortis Inc. (FTS): $5 561.34
Pembina Pipeline Corporation (PPL): $25 055.84
Just Energy Group Inc. (JE): $6 797.16
Enbridge Income Fund Holdings Inc. (ENF): $11 081.77
Corby Distilleries Limited (CSW.A): $2 819.40
Premium Brands Holdings Corporation (PBH): $49 146.51
iShares S&P/TSX Capped REIT Index (XRE): $2 499.42
New Flyer Industries Inc. (NFI): $5 824.44
TMX Group Inc. (X): $542.88
K-Bro Linen Inc. (KBL): $3 876
WesternOne Inc. (WEQ): $15.30
TransCanada Corp (TRP): $1 527.50
Canadian National Railway Co (CNR): $9 379.80
Enbridge Inc. (ENB): $1 380.40
Agrium Inc. (AGU): $6 330.06
Canadian Utilities Limited (CU): $1 623.72
Black Diamond Group Ltd (BDI): $46.75
Emera Inc. (EMA): $1 223
BCE Inc. (BCE): $1 310.10
Saputo Inc. (SAP): $1 899.20
Lassonde Inc. (LAS.A): $2 438
Loblaw Companies (L): $810.96
Savaria Corporation (SIS): $7 991.30
Canadian Imperial Bank Of Commerce (CM): $3 398.10
ATCO Ltd. (ACO.Y): $2 772
CAE Inc. (CAE): $3 388.50
Dollarama Inc. (DOL): $2 151.90
Home Capital Group Inc. (HCG): $2 742
Jamieson Wellness Inc. (JWEL): $1 893
Northland Power Inc. (NPI): $2 440
WSP Global Inc. (WSP): $2 860
Aecon Group Inc. (ARE): $1 956

TOTAL: $189 236.03

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 508.72
Coca-Cola Company (The) (KO): $1 566.38
Cash: $55.37

TOTAL: $3 944.71 CAN     

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $60.39
Dumont Nickel Inc. (DNI): $25.83
RioCan Real Estate Investment Trust (REI.UN): $865.90
AltaGas Ltd (ALA): $868.80
CT Real Estate Investment Trust (CRT.UN): $1 416
Canadian National Railway Co (CNR): $4168.80
Exchange Income Corporation (EIF): $33.45
Firm Capital Mortgage Investment Corporation (FC): $504.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 666.91
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 316.10
Laurentian Bank of Canada (LB): $1 203.20
The North West Company Inc. (NWC): $1 575
Andrew Peller Limited (ADW.A): $2 099.50
Canadian Imperial Bank Of Commerce (CM): $9 627.95
Hydro One Limited (H): $2 266.44
Toronto-Dominion Bank (TD): $1 455.40
Boyd Group Income Fund (BYD.UN): $2 867.70
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 416.40
Keg Royalties Income Fund (The) (KEG.UN): $1 407
Data Communications Mgmt (DCM): $8.82
Westshore Terminals Invest Corp (WTE):
Morneau Shepell Inc. (MSI): $1 908
Royal Bank of Canada (RY): $4 046.80
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 341.50
Parkland Fuel Corp (PKI): $1 647.36
Park Lawn Corporation (PLC): $1 191
Toromont Industries Ltd (TIH): $2 245.20
National Bank of Canada (NA): $2 496.80  
BCE Inc. (BCE): $535.95
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 550.50
Pure Industrial Real Estate Trust (AAR.UN): $1 344
Sienna Senior Living Inc. (SIA): $1 439.20
Boralex Inc. Class A Shares (BLX): $919.60
Cash: $61.98

TOTAL: $61 581.88

RSP investment portfolio:
Emera Incorporated (EMA): $12 914.88
EnCana Corporation (ECA): $1 558.44
Toronto-Dominion Bank (TD): $2 183.10
Telus Corp (T): $2 334
Alimentation Couche-Tard Inc. (ATD.B): $482.48
Royal Bank of Canada (RY): $2 023.40
Savaria Corporation (SIS): $3 171.40
Thomson Reuters Corporation (TRI): $2 412
Park Lawn Corporation (PLC): $3 970
Richards Packaging Income Fund (RPI.UN): $960.96
Toromont Industries Ltd (TIH): $392.91
CAE Inc. (CAE): $1 581.30
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 406.60
Boralex Inc. Class A Shares (BLX): $1 149.50
Cash: $84.54

Total: $37 625.51                                  

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 818.26                          

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 320.27                          

Manulife Fidelity NorthStar GIF CAP B: $1 561.87
Manulife Simplicity Growth Portfolio: $1 350.80
Maritime Life CI Harbour Seg Fund: $1 234.88
Maritime Life Fidelity True North Seg Fund: 1 258.91
Manulife GIF MLIA B World Invest: $1 205.51
Total: $6 611.97

Other various: $1 451.71 + $2 681.71 + $5 797.95 = $9 931.37

TOTAL: $59 387.13

Social Capital at Desjardins Membership share: $35
Pending online income: $58.85
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$316 412.02

Welcome in my investment portfolio Boralex Inc. (BLX) and Aecon Group Inc. (ARE)!

I made the easy decision to sell off my stocks of Barrick Gold Corporation (ABX), and not only because of today loses, but it was a mix of things, poor dividend, no chances to catch up in capital gains. To resume quickly, I was going absolutely nowhere with ABX and at a point, business is business, so good-bye love. Adios. Done. Over. End of the story. BYE BYE.

Mines, and everything related to gold and silver, those kind of stocks are just really difficult to hold on to. You can take for another example Novo Resources Corp. (NVO). Just today, NVO lost 2.82%. In a dividend portfolio, while trying to hold on to some quality stocks, the whole mining sector is, in my opinion, to be avoided. Anyway, Novo Resources Corp. (NVO) doesn't pay any dividend and its being held on to by the devil itself, Eric Sprott who's retired, but still playing on the market because the old man is just very sick. No thanks, I don't want any NVO shares in my portfolio, but I do know what I want. 

And today, I wanted some Boralex Inc. (BLX) and.. watch out... also Aecon Group Inc. (ARE). I know, I never mention ARE on this blog before - and it's for a good reason: I just didn't know that ARE even existed, until today.

What I am so desperately in need of are reliable companies that make good money and pay a dividend. Easy say, but not easily done. I know how difficult it can be for small investors to be invested in stocks, and on how hard it can be to be confronted with choices. But among the way, decisions are getting easier and easier to make. The market stress remains, however, but in a different way, maybe more in somewhat relax way. The stock market is unpredictable and nothing should ever be taken for granted. I am looking quite fine and good with a TSX so closed now to the 16 000 points. I had been waiting for a really long time for the TSX to hit the magic number and it seems like its going to happen it could happen in 2017, in the same year that I reached 200k in net worth. And if it doesn't, it won't really matter. And it shouldn't really matter that you reach your money goals or not because, at the end of your life, you'll die no matter what. Money can't buy eternity. I am happy just way things are right now for my portfolio. I just now dealing with a personal problem of my own that I can't control. I just want some more stocks, I want my portfolio to grow more and I want more dividend sexy juice. I just want more and my search for new stocks could only get broken by the end of my life. Just don't tell no one, but I have addictions of my own. It seems I can't just stop investing and I don't see how I can eventually get that margin paid off. Sincerely, paying down my margin never been a priority, I am much more excited and very alive when I invest in a new stock. 

Today, I sell all of my ABX shares, and to replace it, I invested in Boralex Inc. (BLX) in both my TFSA and RRSP portfolio. I couldn't help but notice Aecon Group Inc. (ARE). ARE is soon going to be acquired by a China company, which had promised $20.37 per share for ARE. It was too exciting to miss, so I place a quiet little move inside my non-registered portfolio at $19.59 per share. My upcoming paycheck should help to partly cover that new investment, but not at all, unfortunately, since rent needs to be paid... Already November in a few days.

In results of all those all good moves, of course, my non-registered portfolio closed today session at $188 133, my TFSA at $61 481.49 and my RRSP (stocks only), at $37 512.96.

Now, let's go Boralex Inc. (BLX) and Aecon Group Inc. (ARE), show be what you got and be my latest proud.

Does time have come to say goodbye to Barrick Gold Corporation (ABX)?

Too bad, the TSX didn't gain any new points today, but I knew I wasn't going to deal with a 16 000 points by the end of the week, even if it was looking so... However today loss are not enormous, only -0.32%. A little volatility is part of the game. Sooner or later, the TSX will be hitting on the 16 000 points and on that special day, I will be happy, and probably that I will also be richer than ever before.

In the meantime, 16 000 point or not, my non-registered portfolio is shining a star at $185 791.65 and my TFSA is at $61 470.21. And I kind of get a nice gift of my own while going to the grocery store and being asked if I was a student... And without knowing, the cashier had just made my day. At 37 years old - like I am, is not that old, but its not that young either, its like a middle stage where you are just getting ahead to get older and are just about to lose my youth. I began investing in stock shortly before the 2008 stock crash and going through - among other - such painful experiences, it could be easy to think that your favorite Dividend Girl look double, tripple her age, but its not the case. I think the more painful your life is, the youngest you get to look while getting older. It could be.

I don't exactly understand the situation that Barrick Gold Corporation (ABX) is on right now. Everything is obviously not working as plan for this company. Add this to ABX poor dividend distribution... Everything is screaming in direction of a sell off. And it could be what I chose to do. And maybe reinvest in the so wanted Boralex Inc. (BLX) and following that, time may had come to look forward to pay down my margin.

But its obvious, you might had understand by now. I cannot make too long without investing and a life with no new sexy stocks is a crazy boring life.

My non-registered portfolio is NOW at its highest value ever: $186 179.67

Its was quite an exciting day today! It was very nice to watch the TSX hitting over the 15 900 points!!!!!

My non-registered portfolio closed today at its highest value EVER: $185 720.28

By closing at 15 855.76 points, the TSX had made me her favorite Queen by pushing me over the hedge to never been seen before profits. Its almost like I may get my pretty hands on a  $300 000. My non-registered portfolio closed at a great $185 720.28, which is its very highest value EVER! My TFSA portfolio closed at $61 384.75, and my RRSP (stocks only), at $37 347.93. So far, it looks to me like the TSX is definitively going to close at 16 000 points by the end of the year. As once said, you got to be an ambitious investor or now.

Having a TSX exceeding the 15 500 points is just super great. It makes things a lot easier, and it certainly makes it more fun to be invested in the market. I still have a hot crush on Boralex Inc. (BLX). I truly believe that BLX is going to be a great fit for my portfolio and I may place my move soon. I am working hard on myself not to invest again using my margin money. Because the baby is big and fat as ever before, $103 017.71... I truly believe that BLX is going to be a great fit for my portfolio. Following that investment, I will do my very best to stop investing for a little while and I will try to focus on paying down my debt, and leave a bit in my banking account. Many things ahead are also coming in a hurry: Christmas, next year TFSA contribution, and tax declaration... At a point, if I don't want to hold to the whole TSX in my portfolio, this got to stop somewhere, somehow.

It's hard to save money, very hard. I didn't get my hair coloration done for the past couple months - and that being just to save some money. But I am now a bit more happy with my choice since I read somewhere on Yahoo that hair coloration could be linked to breast cancer. I certainly don't want to say goodbye to my best assets. My natural color began to show up and it's not ugly. I also made the commitment not to purchase any new clothes, as I my two wardrobes are really full pack. I guess the most difficult part is to deal with the need of getting my hands on something new,  just like I love to invest in a new stock for my portfolio from times to times. Really recently, a nice scarf at the Chateau catches my eyes. Do I need it? No, I have a nice scarf of my daddy that I have and many others. At a point, it's the individual responsibility to stay strong and stand in front of any temptations. I can easily say no to a new scarf, but its a lot harder to say no to Boralex Inc. (BLX). Another BIG diamond on my naked body. Yes, thank you ;)

A new stock for my investment portfolio: Boralex Inc. (BLX)

A lot is going on right now for the TSX. First of all, the TSX closed today session at 15 816.90 points. I am not richer than yesterday because strangely, my non-registered closed lower today. Too bad because I was on road to become the Queen of the TSX.

Bombardier Inc. is desperately trying to push the sale of its CSeries by enrolling in a partnership with Airbus. I never really been impressed with Bombardier. By getting under the arms of Airbus, they had chosen the easiest solution. Under its CEO Alain Bellemare, Bombardier is not doing really well. In Alain Bellemare, I only see a man of an extreme freshness and extraordinary arrogance. The type of man you want to avoid at any cost.

With this so-called good deal, Bombardier is losing its most valuable asset, the CSeries, and now, Airbus will get all the rewards and profit. The worst part is, that jobs may not be secured and might not stay in Canada. And us, Canadian citizens, we have injected millions and millions of our tax money into what is now best know as a garbage company. Anyhow, I am done with Bombardier, its just such a ridiculous company and it doesn't worth the attention of any serious investors.

On the other hand, today was a bright day for Boralex Inc. (BLX). I didn't know that company before, but I knew them without knowing. I am from New Brunswick and I travel back and forth to Montreal-New Brunswick on and on and on. ;) And when I leave my dear New Brunswick town in direction of Quebec province, I can see these huge wind turbines right on top of a mountain. And when I see those turbines, it becomes clear, I am leaving New Brunswick to Montreal...

Anyhow, it happens that Boralex Inc. (BLX) had been around for quite sometimes. Boralex is right in a sector that I wanted to expand my portfolio in: renewable energy. It had been in the past a property of Cascades, another Quebec company, but they sold all their shares to reduce their debt. In result, the Caisse de dépôt et placement du Québec is now the majority shareholder. BLX pay a dividend, closed to 3%. One thing I really like about BLX is that only 6% of their business is done in the USA. 53% in Canada, and 41% in France. It's not like if BLX really relies on the US to realize its profit, and this is really a good thing. It plays in the favor of the company, and on mine.

There's quite a contrast between Bombardier Inc. and Boralex Inc. (BLX). Two Quebec companies, but only one of them worth considering for my investment portfolio.

My non-registered portfolio is now $185 707.85!!!

See, with a lot of pure money love, the TSX is finally learning to obey me. I say I wanted a 16 000 points by the end of the year and its exactly what's going to happen. At 15 802.7 points, the TSX is shining like a diamond. And in result, I am richer than ever before. My non-registered portfolio closed today session at $185 707.85, my TFSA at $61 015.23, and RRSP $37 000.48. My dividend income, excluding RRSP, is now at $8 497.94, or an equivalent of $708.17 per month.

My non-registered portfolio is now at $185 154.18

I came back this week from a few vacation days in New Brunswick and while I was away, I kept watching the TSX, and it just kept going all the way up! Could the TSX closed the year 2017 at a 16 000 points? It could be the dream and if the TSX closed at 16 000 points, I will be richer than ever before. $206 352 is not that much money, but even at 37, I could never imagined having that amount, for me its a big chunk of sexy cash. I unfortunately had to come back to Montreal, but here are a few pictures of my home province, in the wood baby in the most nicest and beautiful place on earth (yeah!!!), and nothing else. Be proud New Brunswickers.

My non-registered portfolio closed this past Friday session at a very good $185 154.18 - its very highest value EVER. Fact that Premium Brands Holdings Corporation (PBH) is now trading at close $103 per share is certainly helping my caused - just so kicking ass the usual way. I got worried regarding CAE Inc. (CAE) for little while, but its now getting back on track. And my TFSA portfolio closed at $60 800.74 and RRSP, $36 928.25. Currently, if it wouldn't be of the capital lost that I experimented in Exchange Income Corporation (EIF) because of the shit of Marc Cohodes, I would be sitting on much more cash right now. 

In case you had missed the story, a couple months ago, an American citizen of the name of Marc Cohodes badly hurt the value of Exchange Income Corporation (EIF) on the TSX. Cohodes bad mouthed EIF title and he short-sell it, which in result affected the value of EIF. Of course, I got very scared, and I sell off that stock. I had been invested in Exchange Income Corporation (EIF) since February 2011 and it really broke my heart to sell EIF, but I was very scared to lose money. I was way too scared. So I sell, at profit, but still, it didn't feel right to me knowing that an American bastard had controlled over my life.

And now, even if its wrong, I am very happy that Marc Cohodes California home sweet home is burning down. May he burns among his chickens so I can never hear of him ever again.

Julie Payette: the Governor General of Canada who shouldn't be

The TSX closed today session at a very great 15 776.30 points. October had begun on the right foot and it look like the TSX is on the road for even more great gains. My non-registered portfolio closed today session at $183 711.62, my TFSA portfolio $60 354.16 and my RRSP portfolio (stocks only), at $36 453.95.

I no longer hold my Veresen Inc. (VSN) shares inside my non-registered portfolio. It look like Veresen Inc. (VSN)-Pembina Pipeline Corporation (PPL) merger is finally happening! Pembina Pipeline Corporation (PPL) is among the first company I invested in when I started my portfolio and PPL is my baby, I am extremely proud to be invested in that company. Back in the days, PPL was a Derek Foster stock. Mergers and acquisitions are usually pretty exciting stuff, but the one happening here in Quebec right now between Jean Coutu and Metro is quite boring and it doesn't worth any attention - and its also the case with who's the newest Governor General of Canada.

The old guy who used to be the Governor General of Canada was an unknown boring old man, but this newest nomination won't get unnoticed. Julie Payette, Quebecker, scientist, ex astronaut, perfectly bilingual is Canada newest Governor General. Her only role is to represent the Queen, whose is far away living in the UK in one of her castle and don't give a damn, and her  daily biggest task is to drink her tea.

I find it a real shame that a woman of the quality of Julie Payette had accepted to waste her time by endorsing a fake monarchy role. Its a thing to be queen or king - because you have no choice to endorse the role - but its another thing to accept to be part of that bullshit. With all her knowledge, Julie Payette could changed the world by being a scientist, conduct some serious research, or even by being a super great university teacher. By being Governor General of Canada, Julie Payette had proved herself as being nothing more than a stupid Quebecker, with no real sense of intelligence what so ever. She can enjoy and do her job on her throne and I hope it will smell bad in the senate!!! Quebeckers like Julie Payette are proving themselves as being poor citizens over and over again. And it seriously making me laugh. During that fun time, far away from my native land, I am getting richer and richer and no, it doesn't smell bad around here!

I know this might be super hard right now for the very love Brian Gallant, but I was released today that the Energy East pipeline project won't ever happen. Its quite a very strange thing when you actually think it right: petrol is dirty made in Alberta, the plan was to build a pipeline that goes from Alberta to all the way down to Saint John New Brunswick.... But why? I know we desperately need jobs in New Brunswick, but it had to be done the right way because we are just too smart. The danger with that pipeline was that it could had pollute our water and our land. Our environment worth more than just a couple hundred jobs.

To be or not to be an ambitious dividend investor

Oh lala readers, check out on this! Looking quite great!

This is making me laugh, but in a good way of course, for many reasons. One reason because I don't analyze stock, and for that good reason, Susan Brunner should have come on the first spot. It's a thing to write pretty things about stock like a Barbie girl, and pick stocks mostly base on feeling and emotions like I do, but it's a completely other thing to be able to understand what it is all about. And there's just one Canadian blogger who does so. And it's not me, it's my Susan Brunner. Maybe one day I will get into it seriously, maybe not.

 

I often write on how good I am and when it come to me and to defend the stocks that I invest in, I am of an extreme freshness and enigmatic arrogance. You won't find better for those qualities just nowhere around the world. If I write so many good words about my own myself, it's because when you are an investor and you are alone and that you have 99.9% of your own money on the stock market, and you do it by yourself and you want to get a bit more than the 2% GIC that the bank proposed, you just have no choice, you need to believe in yourself first because if not, you won't last very long, especially when the stock market play its regular garbage that can drive you all the way down, and when it does, it's like getting a hard punch in your stomach. And if I always write on much much I am good, and that I am the world best investor and blablabli and blablabla, it's for a single good reason: it makes great post to read, and the fact is, you become what you think you are. All I wanted to start on was a $50 000 and now I am exceeding the 200k net worth and I just keep wanted more and there'll be just no end to it, unless I die. Los Angeles tragic events are just an example that it can really happen anytime, anywhere, even if I truly believe that it could take a lot to kill me. I saw the guns that the poor men killed people with, and it's really horrible. With guns like that, you can kill too many people. Many had been killed, but many others could have died.

In moments like those, you can only invest for yourself, but also in behalf of those who can't-do so, for so many reasons, and for those who had passed away.

 

I usually don't check on a stock that is no longer from my portfolio, for several reasons. One reason being, with a portfolio like this one, as you can imagine, I have already a lot to follow. Like a lot. It's not always  When I sell a stock, it's because: I am losing money on it and I am desperately trying to save the money left of the investment; the capital gain return is poor and the dividend income is poor. It's for that last reason that I sold out Open Text Corporation (OTEX) a while ago. Old stocks like OTEX are part of my past, not my future.

All this to say that today, I check on Novo Resources Corp. (NVO) and I quite shocked to see that it gain a lot today. But it's part of what this stock is about, it makes great gains, and the day after, it loses money like crazy. And that's something that is really hard for me to live with. I don't like to hold on to stocks that go up and down drastically.

Sienna Senior Living Inc. (SIA): home care for senior could be the next gold mine

Despite all the sad events happening right now around the world, the TSX decided to closed today session at a very good 15 705 points. In result, my non-registered portfolio closed at $183 695.14, and my TFSA portfolio at $60 256.11.

I was about to post something more elaborate, but I am getting tired and anyway, my post title is stealing the show. You know what you need to do right now: invest in Sienna Senior Living Inc. (SIA) and make me richer like ever before.

Another cool title could had been:

Sienna Senior Living Inc. (SIA): home care for seniors with a sexy twist.

:-)

Saying hello to a $206 352.49 net worth!!! $$$

I was quite glad about the results of this last session Friday, so I quickly post a portfolio update! I didn't publish an update since April of this year!!!! It's been quite a rough road, but there's nothing I can handle of course. Back in April, my net worth was of $204 277.66. And on the date of September 30, $206 352.49. It's not of a super great gain, I totally agree, and maybe I shouldn't have posted my update, but at least there's a gain and I am confident that with my newest investments, I will be able to gain thousands and thousands more in terms of capital gain. Also, I like this because it really shows the true nature of investment - on how it can be difficult. If it wouldn't be of Marc Cohodes, my net worth would currently be in the $210 000.

What Marc Cohodes did is a terrible thing. He had deprived myself of my proud, of several thousands of dollars, and hard hurt really badly the value of Exchange Income Corporation (EIF) on the stock market. And currently, EIF is still far away from its 52 week high - $45.28 per share - and a lot of time will pass by before EIF can even get back to its old highest value. Just to know that some old rich gansters like Marc Cohodes are good enough to hurt the interest of Canadians so badly make me sick. It's a matter of both money and influence. Personally, I don't give any credit to Americans. Knowing who they are, how much racist and violence we find in the USA, that country arrived pretty low in my ranking. Canadians are among the brightest mind, we live in the best country of the world. Don't ever think that its everyone living on a middle-class salary like myself that have enough to invest in the stock market like I do. Many individuals in the US, France and even in the UK are having a really hard time to make a living. In the US, many residents are having the hell of a time just to pay for their medical bills. Fact is, when you don't have the chance to be Canadian and to live in Canada, it makes it harder, and even impossible in many cases, to have money in the market or to have any savings at all.

To see individuals like Marc Cohodes ruining my dream of glory glam on EIF, it makes me mad. I find Canadians too calm, gentle like little lambs who are scared of any Americans with money and power. No one is attacking Marc Cohodes for what he did. For a reason or another, back in the summer of 2017, Marc Cohodes decided to massively short-sell Exchange Income Corporation (EIF) and it caused EIF to lose a lot in value. I had been hurt by Marc Cohodes, and all EIF investors did. I know I hold to a lot of stocks already in my portfolio, but eventually, I would like to get back in Exchange Income Corporation (EIF).

Following my first $100 000, it took me 3 years to reach my first $200 000 in net worth. I guess it will take about the same amount of time to get into the 300k mark. I got impressed by the 200k net worth and it was hard to believe I was there, but I eventually got used to it and now it's all about getting into the 300k net worth. Its never enough, and truly, a 206k net worth is not that much, so I have no choice other than kicking Marc Cohodes ass and keep up going. It's a matter of proud, of not letting an American to have the last word on me. It's also a matter of respect to all of the good companies that the TSX is holding. It's a matter of having confidence in the Canadian economy. It's a matter of intelligence.

Last week was really horrible here in Montreal. I got caught in heavy heat and I didn't have a nice time at all. And it's partly why I didn't post about the following: I had sold out all of my shares of Novo Resources Corp. (NVO). It was getting too intense for my taste. I really dislike NVO drastic ups and downs. It was getting hard on my lady's nerves. Holding NVO in my TFSA portfolio was imply to hard. I sell out, and reinvest the money in BCE.

This last move just reminds me of who I am: I will never be a trader, I am an investor. What I am into is Canadian companies who are well-established and pay a dividend. It's really simple, but it's way too easy to get in different directions and just lose it. I am doing my best to get the best of the best Canadian business in my portfolio. I had been investing in stocks for a long time now and no matter what, I always get my hands on something new for my portfolio. I always find great new Canadian companies to invest in. Its really what I am into: to hold on to the best businesses so I can make a max of cash, with a risk, but with a risk that I have the wrong impression to control.

My debt situation on date of September 29, 2017

$100 930.54  at 4.25% = $4 289.55 in annual interest 

[In date of September 30, 2017]

My investment portfolio on date of September 29, 2017

Non registered Investments:
Cold cash: $2 824.90
  
Stocks and Units investment portfolio $CAN
Timminco (TIMNF): $0.25
Bank of Nova Scotia (BNS): $9 543.80
Blue Note Mining Inc. (BLNMF): $0.05
Methanex Corporation (MX): $6 458.10
Fortis Inc. (FTS): $5 284.04
Pembina Pipeline Corporation (PPL): $22 284.02
Just Energy Group Inc. (JE): $6 738.36
Enbridge Income Fund Holdings Inc. (ENF): $11 859.66
Corby Distilleries Limited (CSW.A): $2 720.34
Premium Brands Holdings Corporation (PBH): $46 566
iShares S&P/TSX Capped REIT Index (XRE): $2 456.30
New Flyer Industries Inc. (NFI): $5 563.08
TMX Group Inc. (X): $564
K-Bro Linen Inc. (KBL): $3 887
WesternOne Inc. (WEQ): $187.03
TransCanada Corp (TRP): $1 541.75
Canadian National Railway Co (CNR): $9 304.20
Enbridge Inc. (ENB): $1 459.36
Agrium Inc. (AGU): $6 151.12
Canadian Utilities Limited (CU): $1 627.50
Black Diamond Group Ltd (BDI): $58
Emera Inc. (EMA): $1 181.50
Cineplex Inc. (CGX):
BCE Inc. (BCE): $1 286.12
Saputo Inc. (SAP): $1 727.60
Lassonde Inc. (LAS.A): $2 432.70
Loblaw Companies (L): $817.20
Savaria Corporation (SIS): $7 071.36
Canadian Imperial Bank Of Commerce (CM): $3 275.10
ATCO Ltd. (ACO.Y): $2 749.20
CAE Inc. (CAE): $3 274.50
Dollarama Inc. (DOL): $2 047.95
Home Capital Group Inc. (HCG): $2 778
Jamieson Wellness Inc. (JWEL): $1 990
Northland Power Inc. (NPI): $2 316
Veresen Inc. (VSN): $3 744
WSP Global Inc. (WSP): $2 595.50

TOTAL: $183 368.46

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 156.39
Coca-Cola Company (The) (KO): $1 530.34
Cash: $44.68

TOTAL:  $3 746.31 CAN     

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $61.35
Dumont Nickel Inc. (DNI): $27.27
RioCan Real Estate Investment Trust (REI.UN): $837.55
AltaGas Ltd (ALA): $862.20
CT Real Estate Investment Trust (CRT.UN): $1 389
Canadian National Railway Co (CNR): $4 135.20
Exchange Income Corporation (EIF): $34.93
Firm Capital Mortgage Investment Corporation (FC): $494
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 605.94
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 254.30
Laurentian Bank of Canada (LB): $1 206.20
The North West Company Inc. (NWC): $1 495.50
Andrew Peller Limited (ADW.A): $2 041.70
Barrick Gold Corporation (ABX): $803.20
Canadian Imperial Bank Of Commerce (CM): $9 279.45
Hydro One Limited (H): $2 294.72
Toronto-Dominion Bank (TD): $1 405
Boyd Group Income Fund (BYD.UN): $2 750.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 361.10
Keg Royalties Income Fund (The) (KEG.UN): $1 437.80
Data Communications Mgmt (DCM): $8.16
Westshore Terminals Invest Corp (WTE):
Morneau Shepell Inc. (MSI): $1 872
Royal Bank of Canada (RY): $3 861.60
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 340
Parkland Fuel Corp (PKI): $1 624.32
Park Lawn Corporation (PLC): $1 152
Toromont Industries Ltd (TIH): $2 288.80
National Bank of Canada (NA): $2 402 
BCE Inc. (BCE): $526.14
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 366
Park Lawn Corporation (PLC): $1 152
(AAR.UN): $1 272
Sienna Senior Living Inc. (SIA): $1 445.60
Cash: $50.62

TOTAL: $59 986.05

RSP investment portfolio:
Emera Incorporated (EMA): $12 476.64
EnCana Corporation (ECA): $1 586.52
Toronto-Dominion Bank (TD): $2 107.50
Barrick Gold Corp (ABX): $1 004
Telus Corp (T): $2 244
Alimentation Couche-Tard Inc. (ATD.B): $455.20
Royal Bank of Canada (RY): $1 930.80
Savaria Corporation (SIS): $2 811.84
Thomson Reuters Corporation (TRI): $2 290
Park Lawn Corporation (PLC): $3 840
Richards Packaging Income Fund (RPI.UN): $940.17
Toromont Industries Ltd (TIH): $400.54
CAE Inc. (CAE): $1 528.10
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 264.50
Cash: $248.50

Total: $36 128.31                                      

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 743.17                         

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 320.27                          

Manulife Fidelity NorthStar GIF CAP B: $1 533.97
Manulife Simplicity Growth Portfolio: $1 307.11
Maritime Life CI Harbour Seg Fund: $1 225.92
Maritime Life Fidelity True North Seg Fund: $1 214.31
Manulife GIF MLIA B World Invest: $1 142.40
Total: $6 423.71

Other various: $5 506.24 + $1 438.70 + $2 641.86 : $9 586.80

TOTAL: $57 282.01

Social Capital at Desjardins Membership share: $35
Pending online income: $40.30
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$307 283.03

Eric Sprott's Novo Resources Corp. (NVO) is on FIRE

Right now, the TSX is on my side and my stock market closed the session at a very good 15 516.23 points. It's almost like we are getting back to the good old days, when the TSX was just pure money love and all the way high. But now, things are very different, especially because of the conflict between the US and North Korea. Not too long ago, Russia had operated a major military exercise inside its territory which involved, if I understood correctly, about 200 000 men. The exercise was so intense that it even killed civilians who were watching the exercises as spectators... But why Russia was conducting such intense military drill? Now that time passed by, it had become more clear what the exercise was for. And it's the biggest threat to all of us right now, including money living on the stock market. It's quite a sad thing.

At least for now, my portfolio is the shiniest jewel on Earth and you won't find any better My non-registered portfolio closed today session at a very pow-wow $181 441.21! I am just so very close of the $190 000, unbelievable. My TFSA portfolio closed today session at $59 691.73. Before being an Eric Sprott stock, Novo Resources Corp. (NVO) was MY very own stock, as I didn't know that he had invested massively in NVO. Oh noooooo! But hey babe, having Eric Sprott in the portrait doesn't seem to really matter after all, because today was finally it, I am now officially in the profit zone when it comes to Novo Resources Corp. (NVO), I am now at +$72. It's hardly the beginning. I think NVO can go higher so I am standing strong like a sexy warrior and I am just waiting for my time. I must admit, I got very scared to learn that Eric Sprott was invested in my beloved NVO stock. Like no way, life is so unfair!!! DRAMA. But wait. 

When I first bought NVO, it was just something I wanted really badly in my portfolio because I was under the strong impression that something extraordinary was going on for that stock. And for that one, my instincts obey my need for money. I still think that NVO is up for great things. I was just really frightening at first, but I am now ignoring Eric Sprott. Me and Novo Resources Corp. (NVO), we are in the game for good. So let's go NVO, show me what you got! With today gains, everything is possible. If I can possibly get out of my lost on SWY with the help of NVO, it will be all good.

Another interesting stock Kirkland Lake Gold (KL). I think Eric Sprott is also involeved in this one, but KL is interesting because it has invest in NVO and little bonus to help out, KL pay a tiny dividend distribution.

Novo Resources Corp. (NVO): a high flyer stock in my TFSA portfolio

The weather is heavily hot in Montreal right now and I really dislike it. I don't have an air conditioner, and the hot weather is just there Its not an enjoyable weather for me. It makes it hard to do anything at all, to clean, to cook... I don't like to have that hot weather in September, it's awful. I like autumn and its fresh air. But I am getting nothing of that right now. Even back home in New Brunswick, the weather is just as hot and disgusting. The only place I can go without getting bored and where's fresh air is the gym and I can happily destroy my workout clothes by getting all sweat.

At least, the TSX closed Friday session close to the old 15 500 point value that I like so much. And in return, my non-registered portfolio closed at $180 515.36, my TFSA portfolio at $59 278.55. I was quite happy to see Novo Resources Corp. (NVO) going up. I just hope it will continue and if I can sell quickly at profit, I will do so. I don't like holding onto a stock in which Eric Sprott is involved in. If NVO title is super volatile, its the fault of Eric Sprott. Whenever Sprott but is venin in a stock, it always gets as bad as this. Stocks Eric Sprott invest in always turn into super volatile stock that goes up-down-up-down... Stockopedia names those kinds of stocks as being high flyer and it's exactly what NVO is: a stock to stay away from.

The TSX is like a flower on the sun: say hello to a 15 389.6 points!

I don't regret at all my sell off of Stornoway Diamond (SWY) yesterday. My non-registered portfolio closed today session at $181 133.30, and my TFSA portfolio at $59 260.59. Beautiful. So let's go baby. I am slowly getting over my sell off of my dear Exchange Income Corporation (EIF) inside my TFSA. I won't let the damn Marc Cohodes to have the last word on me. Like NEVER. And will never go over it. Americans are so hypocrite and jerks. And Marc Cohodes is just so the perfect example of pervert dirty millionaire junkie. In my case, its over, whatever Americans do or say is to be put directly in the trash can, but maybe at the exception of Ivanka Trump clothes line because her design fit me well. I don't know if she designs all of her clothes herself, but Ivanka Trump has an amazing style and its quite strange, knowing who's her father!!!

Right now, Donald Trump is driving me crazy nut because all that North Korea saga is not good for the stock market. However, we are very lucky here in Canada because my TSX love closed today session at a fantastic 15 389.6 points. Trump being so harsh over North Korea come at a price. From now on, the issue is really serious. A little way back, I had a talked with my old folks, asking them not come to Montreal ever in case a nuclear disaster would happen - or whatever else, like if they couldn't reached me following a X event. It was important for me to have things straight up because in case of a bad event, things could get really chaotic in Montreal. Quebec province being so poorly managed, many could died before the government do anything at all. And I wouldn't like to see my mom or my dad suffering while being here. New Brunswick is a much safer province, with good leadership, which is not the case in Quebec. Basically, in case of tragedy, the word had been put clear: they stay safe in New Brunswick, and I go there when I can, and they don't ever come to Montreal to get me. Noooo.

Donald Trump is actually putting the Canadians in a difficult situation, because we are not arm to destroy arsenal that could come from North Korea. And in case of a war, its been publicly say that the US won't defend Canada. When Donald Trump say: America come first, that's exactly what he mean. And sadly, we are at a point where Donald Trump is a clear menace to our safety. Trump is a selfish man and its getting harder and harder to just see him going like that. Because of him, my portfolio is at risk.

Marc Cohodes and Donald Trump: two rich men who are rough dumb idiots.

The weather is anomaly warm in Montreal for this time of year and I enjoy the sun, but heat can be too intense for my taste. I suffer from asthma and I don't enjoy too hot weather.

End of this enjoyable post full of love.

Welcome in my portfolio Sienna Senior Living Inc. (SIA) and Northland Power Inc. (NPI)!

Good day for the TSX as the sexy is popping up to the 15 292.97 points. With a lot of love and care, this baby can go far! Go go go!!!

Today, I took the very easy decision to sell off all of the little Stornoway Diamond (SWY) stocks that I was holding inside my non-registered and TFSA portfolio. Its sad, but SWY is not going no where. Stornoway Diamond was just not a good fit for me and was a very bad investment choice. I mostly make good investment move and sometimes, even really good. And when it happen, I quite to prefer to sell off and reinvest. I got to have lost a couple hundreds, but nothing real tragic. I have many years ahead to recover. And if you want to see things on the bright side, well its now it, I am now at an equivalent of $700 per month in dividend income. I just wanted to go back in there so badly. And here am I again.

Its almost like if $700 would be the magic number, because it is and my rent is $665, my cell phone is $41... And after touching that $700, I will only be missing $548.33 to cover my minimum budget expenses, but of course, I do spend more than that per month. And sometimes even spend all the money I earn in the month or almost... Bad bad girl, but at least I am giving a warm welcome to Sienna Senior Living Inc. (SIA) and Northland Power Inc. (NPI). I knew about NPI since a little while, so I was happy to finally add this stock to my portfolio.

Yesterday, while searching for new stocks to invest in on Stockopedia, I was checking for stocks among the highest StockRank, and among those highest rank, I was searching for Conservative stock only. Conservative doesn't mean that does investment doesn't come without any risk, but since its conservative, its less tempt to be ultra volatile stocks. Right now, I need stock I can rely on and I want to keep things easy. Since I started using it, Stockopedia had been quite helpful in my investment journey and I highly recommend it. Right now, you should click on here.

Right now, my non-registered portfolio is at cute 181k value. Just saying, this is the really first time that my non-registered is hitting on the $181 000 mark.

In the search of new stocks to invest in with Stockopedia

Its a great feeling to finally see my TSX hot darling hitting on over the 15 200 points mark. In many ways, the TSX is a very wild sexy old bitch that only need a lot of love and care. I was doing amazingly well when the TSX was on the 15 500 points. But since it went lower by over 300 points, things haven't been easy. My non-registered portfolio closed at $178 695.95, my TFSA portfolio at $58 983.97. My dividend income, excluding RRSP, is currently set at an equivalent of $685.69 per month. I am always trying to find new gems for my portfolio, and its not exactly easy but that search just keep going on and on and on. Its an obsession and it probably will end when I will be too old to place any trade at all.

I don't want to invest in any more REIT stocks. No more bank stocks or anything financial please. I already hold so many stocks in my portfolio. Why should I hold on to any more? I am always in the search of new stocks to invest in. Because you never know which stock could be my next everything. And its quite easier to me to find new stock to invest in rather than searching for a new apartment in Montreal. And if I stop my portfolio duty now, who knows what I could be missing? What would happen if I wouldn't had invested in Savaria Corporation (SIS), Canadian National Railway Co (CNR), Lassonde Inc. (LAS.A), and all of my other super wonderful stocks? I wouldn't be as shinier as now.

When my reading and personal search lead me to just no where to go, I really like to turn over to Stockopedia. I pick many of my greatest stocks using Stockopedia: Morguard North American Residential Real Estate Investment Trust (MRG.UN), Park Lawn Corporation (PLC) and Richards Packaging Income Fund (RPI.UN), just to name those I remember right now.

What I am looking for? Something related to seniors care, health care, water, clean energy. And I came with:

 Sienna Senior Living Inc. (SIA)

 Northland Power Inc. (NPI)

I would like a stock related to water, but I can't find any, not for now.