My thing with the overall chart: how I search for stocks on Stockopedia - Part 1

The TSX didn't close the week on a positive gain, but I was pleased to see hitting on the 16 500 points. It's looking like we could be in the old 16 600 points value soon enough, but the problem I am having with the stock market right now is its lack of stability. Those 16,535.33‬ points don't mean anything if it's to see the TSX going down to 16 000 points - again - , or even worst, going under the 16 000 points. As you know, I have a little US portfolio, in which I only have two stocks: Berkshire Hathaway Inc. (BRK.B) and General Mills Inc. (GIS).

I had been checking some healthier option as cereal. I usually eat oatmeal for breakfast. I usually bring to work 2 meals: one for lunch, and one that I eat before leaving work so I can go to the gym without feeling hungry. In the evening, I like to have a little bowl of cereal. These days I am dieting and I almost go to the gym every day (I don't know if that motivation will be around for really long), for at least 35 minutes, at the exception of Sunday, the gym is closed. While looking at cereal options, I couldn't help it but I find that many kinds of cereal that may seem like healthy at first hold too much sugar. And many of those cereal brands are coming from General Mills Inc. (GIS). I am really tired of seeing those big companies like GID who are giant in the food industry poisoning us. I decided it was time for me to say goodbye to General Mills Inc. (GIS), just like I did when it comes to Lassonde Industries Inc. (LAS.A) a couple of weeks ago. I am really glad that I got rid of LAS.A, before ever since I sold that stock form my non-registered portfolio, LAS.A had kept losing value. Lassonde Industries In.a (LAS.A) is another example of a leader in the food industry who's poisoning us. A lot of their so call juice contains so much sugar, it's a crime.

Really shortly, I will be searching for a a new US stock to invest in Stockopedia. But for now, I had spent a big part of my Sunday afternoon on Stockopedia. I had came along with 5 pages of stock. This is now I like to find stocks onSstockopedia.

I go through all Guru screens, beginning by of course their highest 3 year return. I go through all the stocks that appear in those sreens. I go on every single one of them and I have a quick look at the last 5 years chart. If the 5 years chart is all the way up, I write it down. I try to go through as much as Stockopedia screens that I can. Today, I went on many on them and I gave me a list of 5 pages. Maybe the same stock is appeaing two times in this list, this is just a first bid draft if I can say. All of those stocks are trading on the TSX. I am just displaying their ticket at this time:

IIP.UN
KMP.UN
PEO
BLDP
TCS
CWEB
CAL
BAD
MG
MRE
PXT
LIF
WPK
QSR
VCM
RUF.UN
AP.UN
WFC
MEQ
MRG.UN
IAG
MIC
HLS
PFB
NWC
PKI
ENGH
SSL
FNV
ASR
FC
SLF
MRU
X
INE
AIF
GC
ATD.B
EIF
EMP.A
MIC
OTEX
IFC
CP
KL
GSY
AQN
ADN
DRG.UN
CGO
GIGI
GDI
GSY
HRX
L
MNT
NOA

I also took into account penny stocks. Here are the penny stocks that came out from my Guru screens search on Stockopedia:

CTZ
QIS
GLO
TCA
XBC 
MCR
ORC.B
EOG
ELC
STC
EMX
PFM
AUP

Next step, is to go on the TSX web site right he, in order to write down, on my paper sheets: the dividend yield, and have a close look to what the overall chart look like for each of their stock and write down if the overall chart is ok or now. For this task, I am consulting directly the TSX web site and not Stockopedia because since the overall chart is so important to me in my decision making, I way prefer to consult directly the TSX website. Of course, this make the process longer and it's the reason why it's passed 10 pm and I am not done yet with this task. So let's continue.... I will post a part 2 of this tomorrow, or maybe later o to let you know which stocks remain as possible future investment. 

I don't want: businesses involved in insuance. I don't want any REIT stocks. I don't  want stocks with a rocky overall chart, or chart that didn't recover from the 2008 stock crash, which mean that if a stocks have a lower value now of what it used to be before the 2008 stock crash: I don't want such weak stock in my portfolio.

Welcome in my RRSP portfolio Leon's Furniture Limited (LNF)!

Yesterday, I did my move, I proceed with the purchase of some Leon's Furniture Limited (LNF) stocks, but only inside my RRSP portfolio. And today, I was seriously looking at selling the RioCan Real Estate Investment Trust (REI.UN) stocks that I hold inside my TFSA. But I wanted to proceed with the sell only when the price allows me to cover the commission fee of $9.99. I am so almost there, but not there yet. So the new investment for my TFSA will have to wait for now. I prefer to sell REI.UN before proceeding with any new purchase for my TFSA. That way, I will have more cash power to make a super great investment. The only little problem I have at this time is that I don't know what that super great investment will be made of.  I did some quick browsing on Stockopedia but nothing great show up. 

At first, I had my views on TerraVest Industries Inc. (TVK), but I find that the overall chart is not strong enough. It's getting better now, but the general picture is not good enough.

While picking a stock to invest in, it's among the first thing I check: the overall chart. I will go as far as twenty years ago and I want a chart that goes only up. Those stocks are quite hard to find. Canadian Pacific Railway Limited (CP) is kind of having the style of chart I want, but the stock is like super expensive. I don't understand why this one is not going over a split or something.

 If you want an example of what a perfect overall chart look like, take a good look at my baby CNR.

And of course, I own Canadian National Railway Co (CNR) in my portfolio. I need to find a new gem that will lead to a beautiful future. Now the question is: where am I going to find it? WHERE ARE YOU.

Happy Labour Day, TSX Investors!

I always loved long weekend. 3 days off is better than 2 days. Those are like perfect quiet time to do my nails and check on some important stuff: my portfolio. This past session was great for the TSX. At 16 444 points this past Friday, my non-registered portfolio closed at $115,272.14, my TFSA portfolio at $79,309.08 and my RRSP portfolio - stocks only - at $45,786.89. I had updated my investment portfolio. Altogether, my portfolios worth $272,976.33‬. My net worth is now at ‭$226,482.26‬, which is an increased of exactly $345.21 compare to June 2019. The gains are little, but at least, I am not decreasing in value. Currently, we are facing so many challenging, a recession might not be too far away, but right now, the worst is between Trump and China. The trade war is creating a lot of volatility on the stock market. It's the main reason why I only own a +$345.21 gains compare to June of this year - that and fact that I didn't get serious about saving money during the past couple of months. But now, September is already in so that is about to change. 

As you have noticed, I have some cash available to invest inside my TFSA portfolio and RRSP portfolio. I was thinking about transferring the cash I had in my TFSA portfolio into my non-registered one to pay down my margin debt, but that was until I suddenly wake up. In recent years, Derek Foster came along with some new stock ideas and it seems like at first, I never really like what he's investing in. It's just several days later that I wake up and suddenly told myself: wake up bitch, you need that stock and you need to do just like Derek Foster. 

It's funny, but it's how things had been working lately between Derek Foster stock picks and me. In his latest newsletter, Derek Foster informs our poor soul that he had invested in Leon's Furniture Limited (LNF). So I am going to do exactly like him - again - at least when it comes to the cash I have inside my TFSA portfolio. I  am just trying to remember right now what was the last stock I had invested in that was a Derek Foster stock. Could it be Enbridge? I don't know for sure. I am just too lazy to conduct the search on my own blog.

In defense of Derek Foster and not mine, Leon's Furniture Limited (LNF) has a nice chart, pay a good dividend distribution (3.5%). And on top of that, LNF is quite well rank on Stockopedia. Over there, LNF is enjoying a 99 StockRank, as well as a Super Stock nomination. So I mean what better can I get? It's getting harder and harder for me to find the perfect stock for my almost perfect investment portfolio. It's just that Leon's Furniture Limited (LNF) doesn't bring in any sort of excitement to me. I don't know why. Maybe it's a good sign after all. Anyhow, tomorrow, I will be investing a bit of money in LNF. An investment in  Leon's Furniture Limited (LNF) certainly will be better than any money investing in Jean-François Tardif 's JFT Strategies Fund (JFS.UN). JFS.UN is going no where and cannot bring any richness to smart investors like I am. I am just glad that I don't hold any JFS.UN unit in my portfolio anymore.

My investment portfolio on date of August 30, 2019

Cold cash: $2,001.55‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,115.6‬0

Methanex Corporation (MX): $4,445.48‬
Fortis Inc. (FTS): $6,871.25
Pembina Pipeline Corporation (PPL): $31,193.6‬0
Corby Distilleries Limited (CSW.A): $2,422.16‬
iShares S&P/TSX Capped REIT Index (XRE): $3,016.86
New Flyer Industries Inc. (NFI): $3,225.66‬
TMX Group Inc. (X): $922.48‬
K-Bro Linen Inc. (KBL): $3,839
TransCanada Corp (TRP): $1,705.5‬0
Canadian National Railway Co (CNR): $11,034
Enbridge Inc. (ENB): $14,694.90
Emera Inc. (EMA): $1,442‬
BCE Inc. (BCE): $1,386
Saputo Inc. (SAP): $1,600.80
Loblaw Companies (L): $874.44‬
Savaria Corporation (SIS): $5,688.24
WSP Global Inc. (WSP): $3,604
Aphria Inc. (APH): $1,678
George Weston Limited (WN): $108.17

(KML): $4,404‬

TOTAL: $115,272.14

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,627.28
General Mills Inc. (GIS): $1,721.6‬0
Cash: $0

TOTAL: $3,348.88 US: $4,446.98‬ CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $926.80
CT Real Estate Investment Trust (CRT.UN): $1,468‬
Canadian National Railway Co (CNR): $4,904
Exchange Income Corporation (EIF): $38.50
Brookfield Infrastructure Partners L.P. (BIP.UN): $4,191.52
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,494.6‬0
Andrew Peller Limited (ADW.A): $2,408.9‬0
Hydro One Limited (H):
Toronto-Dominion Bank (TD): $1 444
Boyd Group Income Fund (BYD.UN): $5,343.60
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,748.50
Data Communications Mgmt (DCM): $6.12
Morneau Shepell Inc. (MSI): $2,943.90
Royal Bank of Canada (RY): $3,983.2‬0
Park Lawn Corporation (PLC): $1,518.60
Toromont Industries Ltd (TIH): $2,550.8‬0
BCE Inc. (BCE): $567‬

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,441.50
Sienna Senior Living Inc. (SIA): $1,500‬
Boralex Inc. Class A Shares (BLX): $827.20
Richelieu Hardware Ltd. (RCH): $1,177.60
Savaria Corporation (SIS): $767.20
Northland Power Inc. (NPI): $2,525‬
Calian Group Ltd. (CGY): $2,527.1‬0
BMO Bank of Montreal (BMO): $1,825.20
Canadian Utilities Limited (CU): $1,614.90
WSP Global Inc. (WSP): $1,802
Granite Real Estate Investment Trust (GRT.UN): $637.1‬0
Cargojet Inc. (CJT): $2,984.68‬
Nutrien Ltd. (NTR): $3,352.50

TFI International Inc. (TFII): $3,100
Canadian Imperial Bank Of Commerce (CM): $3,093.90

SIR Royalty Income Fund (SRV.UN): $1,024‬

ATCO Ltd. (ACO.Y): $2,850 

Aecon Group Inc. (ARE): $1,849 

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,609.08

Cash: $1,250.16‬

TOTAL: $79,309.08

RSP investment portfolio: 
Emera Incorporated (EMA): $16,611.84
EnCana Corporation (ECA): $637.20
Toronto-Dominion Bank (TD): $2,166‬
Telus Corp (T): $2,411.5‬0
Royal Bank of Canada (RY): $1,991.60
Savaria Corporation (SIS): ‬$2,213.92‬
Thomson Reuters Corporation (TRI): $3,293.64
Park Lawn Corporation (PLC): $5,062
Richards Packaging Income Fund (RPI.UN): $1,320.33‬
Toromont Industries Ltd (TIH): $446.39‬
CAE Inc. (CAE): $2,439.50
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,654.70
Boralex Inc. Class A Shares (BLX): $1,034
Quebecor Inc. (QBR.B): $749.75
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $261.80
Brookfield Renewable Partners L.P. (BEP.UN): $946.58
Cash: $546.14

Total: $45,786.89‬     

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,926.49‬

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

GIC National Bank: $1 342.86              

Manulife Fidelity NorthStar GIF CAP B: $1,167.98‬
Manulife Simplicity Growth Portfolio: $1,392.84
Maritime Life CI Harbour Seg Fund: $1,274.58
Maritime Life Fidelity True North Seg Fund: $1,693.97
Manulife GIF MLIA B World Invest: $1,216.03‬
Total: $6,745.40

Other various: $14,030.19‬

TOTAL: $71,911.58

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

On date of August 30, 2019
$272,976.33‬

My debt situation on date of August 30, 2019

Margin account: $46,494.07 @ 5.50%
Annual interest: $2,557.18
On date of August 30, 2019

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

Happy Birthday MAS$$$$E (and me:-)

This is my last post as a 38 years old, but it's going to be a quick one. Tomorrow is my birthday, as well as MA$E!

If you don't like Ma$e, you just don't know what good old songs are like! So far 39 is not that bad.

My mom has that strange habit to call me ONE day before my actual birthday to wish me happy birthday... which I absolutely hate. And she likes to call me again on that special day. I don't need any reminder, but thank you for the good wishes, because I will need some. 

Yesterday, I was writing about PPL and Derek Foster, and guess what happened, the man had left his cave! Derek Foster sent a newsletter to his follower. And I just don't get the sell of BEP to buy what? some Leon stocks? What??? It's doesn't make quite sense to me. These days, I am not getting much from Derek Foster. Just like you may not like each and single investment I make, but you keep coming around, just in case I could be in love with the right stock. One thing is for sure, my investment in CJT had turned to be a golden ticket. Do you have yours? I don't investment as much as I used to be for many reasons: my portfolio is pretty well established. I basically own all the stocks I ever wanted to have as investment. But from time to time, I surf around, or just hit on something hot on Stockopedia, so you just never know.

Other than listening to come cool Ma$e videos, feel free to jump in anytime you want around here because you just never know if my next investment will have just everything that you need. So behave.

Welcome in my non-registered portfolio Kinder Morgan Canada Limited (KML)!

At just above the 16 000 points, the situation is not extraordinary for this TSX these days. And it's not quite easy to watch. However, a bunch of good stuff had been going on. Let's start with the dividend distribution: this past week, both Canadian Imperial Bank Of Commerce (CM) and Royal Bank of Canada (RY) had announced increasing their dividend distribution.

Cargojet Inc. (CJT) had been in my portfolio since October 2018. I had found the fabulous CJT on Stockopedia. I had found many of the great stocks I hold in my portfolio on Stockopedia: like WSP Global Inc. (WSP), Park Lawn Corporation (PLC), Toromont Industries Ltd (TIH), just to name a few others. Another great news of last financial week concern Cargojet Inc. (CJT). This past Friday, Cargojet Inc. (CJT) closed on a terrific 12.86% gains. I own some CJT stocks inside my TFSA portfolio. CJT announced an agreement deal to provide air transportation services to Amazone.

Also this past week, Pembina Pipeline Corporation (PPL) announced the acquisition of Kinder Morgan Canada Limited (KML) AND a dividend increased. PPL will offer $15.02 per share for KML. Since KML was trading lower than $15.02, I decided to buy some KML shares. Acquisition and merger are certainly among the most exciting thing that exists in the stock market. Whenever a company trading on the stock market buys another one, usually, the buyer makes an offer that exceed the current value per share: I adore that kind of move. The difference between the price of my buy and $15.02 is not enormous, but free cash is free cash. Pembina Pipeline Corporation (PPL) is a Derek Foster stock. PPL had been in my non-registered portfolio since, I belive, 2009. I made $$$ on the back of Derek Foster on that one.

On those bunch of good news, my non-registered portfolio closed Friday session at $112,054.69, my RRSP portfolio at $44,895.08 and TFSA portfolio at $77,433.45‬. I was expecting more gains, but with a TSX below 16 500 points, good gains are hard to come by.

I cannot wait to get rid of BMO Bank of Montreal (BMO) inside my TFSA portfolio

Personally, I don't like cats, I ADORE cats, but unluckily, flurry friends make me suffer from asthma. I tempted to forget about my asthma, because I guess my lungs are stronger now from years getting to the gym, but asthma just doesn't simply disappear like that overnight. And I am pretty sure that if I get too friendly with cute flurry cats like Smoothie & Milkshake, I will probably suffer from an asthma attack. So I cannot get any sweet cat of my own, that's quite sad but guess what, my little favorites had come with a 2020 calendar!!! (And I can get it!).

It's just too adorable! I am going to buy Smoothie and Milkshake 2020 calendar like now. And it's done. It's an absolute must-have to any cat lovers :-) It may sound early now to get a 2020 calendar, but if you place your order now, you'll get a 30% off. I have ordered my calendar, did you order yours? That calendar is quite a good idea that the owner of those lovely cats had. Smoothie and Milkshake are among Internet most well-known cats. And you got to think that those precious need loving care, vet visits, toiletries, toys, food and treats like... catnip. I am pretty sure that those two cats are like super high maintenance. So that calendar is my little contribution to the well-being of Smoothie & Milkshake, may they entertained us for many years ahead.

I was happy to see the TSX gaining some valuable points yesterday, but today wasn't that good. Since Savaria Corporation (SIS) was experiencing some gains (yesterday), I decided not to sell it. If a stock is gaining value on a day that I may feel like selling it, it's mean that the stock wants me and doesn't want to leave my portfolio - really simple thinking that lead to super smart financial choices if you see what I mean. With me, everything is simple. And that's how Monday saved Savaria Corporation (SIS). I took the wise decision to leave the beautiful alone inside my non-registered portfolio and in my other portfolios as well, even if today SIS was down. My mind wasn't set to sell, so I didn't. My non-registered portfolio closed yesterday session at $111,290.17, my TFSA portfolio at $78,408.11‬ and my RRSP portfolio at $45,935.99. I had registered a nice gain yesterday compared to this past Friday. Today, my non-registered portfolio closed at $110,215.51‬, my TFSA portfolio at $77,933.52 and my RRSP portfolio at $45,557.31‬.

I am almost getting ready to sell RioCan Real Estate Investment Trust (REI.UN) without facing any damaging. Once REI.UN is out of the way, I could pick a nice investment, combine with the cash that came from the sell Lightspeed POS Inc. (LSPD). Yesterday, I wrote about a new stock that I found on Stockopedia: First National Financial (FN). The overall chart of FN looks great, just the way I like them, quite strong, but not among the strongest chart I have ever seen. And I am not a fan of businesses dealing with mortgages. Mortgage is a cruel invention made for the poor people to access to properties. It's a debt hole that is making people have to suck to their job until their late 60s, 70s... And it's quite sad. I may just have a net worth in the 200k that may not impress everyone like that guy over there. I am in search of a million, I just want to have a little more for myself. For me, real richness starts with nothing more or less than a $300 000. It's my magic number. And if I can ever reach that net worth, be sure you will be hearing of it. I am having big trouble big times to get there.

However, I am almost there in order to get rid of REI.UN - I cannot wait. Another stock that I want to say good-bye to ASAP is BMO Bank of Montreal (BMO). In my portfolio, BMO is the only bank stock that I hold that is currently down in value. That means that BMO Bank of Montreal (BMO) is not among top Canadian bank stock. BMO is not a true strong performer and I deserved much poor than a poor Quebeck stock in my portfolio. I only want the best and BMO Bank of Montreal (BMO) is strictly garbage that belongs to Quebecker investors. I am way to smart to be holding on to some BMO stocks. Please excuse me.

Will I ever become the frugal girl I used to be?

It's always quite difficult to see the TSX doing down, but seeing it sliding below the 16 000 points is not fun. However, we were lucky enough this past Friday, the TSX closed the session in the 16 100 points. These days, volatility is in the air. I like my TSX when it's easy to handle and steady. These days, the stock market is not an easy place to be. It's sad, but it's obviously not right on time for my 39th birthday that I am going to get my hands on a 300k net worth or even 250k, but it doesn't really matter. Better luck next time! More than grow, I am concern about keeping myself at flow, without facing too much loses. This past Friday, my non-registered portfolio closed at $109,963.02, my TFSA $77,680.60, and my RRSP portfolio at $45,390.34.

While facing such volatility, and maybe an upcoming recession, I had been closely looking at my stocks. Currently, my margin debt is of $43 000. Following my smart sell move involving Lightspeed POS Inc. (LSPD) inside my TFSA portfolio, I now have more than $1 100 cash that is comfortably lying in there, doing there. At this time, I have no investment plan, I had nothing I want to invest in at this time. Among with LSPD, another investment I made at the same time inside my TFSA was Brookfield Asset Management Inc. (BAM.A). I still have BAM.A inside my TFSA portfolio. For that one, I have in mind a long term investment. BAM.A is still strong despite the recent market shakers. One option for my TFSA cash would be to transfer the amount over my non-registered account, to help pay down my margin. I had big problems big time to pay down that fatty margin, so why not?

Other than that, I had been looking at the possibilities of selling the Savaria Corporation (SIS) stocks that I hold inside my non-registered portfolio and pay down my margin. That way, I could bring my margin to somewhere in the $36 000. Since 2018, SIS chart had been going down. Luckily, for the SIS stocks that I hold inside my non-registered portfolio, I am still - at least for now - experiencing a capital gain. In my view, Susan Brunner analysis of Savaria Corporation (SIS) is mostly positive, but SIS StockRank on Stockopedia is so-so, SIS had been on a declined since last year and we may be facing soon a recession. I am currently more on a sale mood for this one. I may proceed, I don't know for sure yet.

While browsing on Stockopedia this evening, I find a new stock: First National Financial (FN). Despite this new finding, I am more interested in the idea of paying down my margin rather than investing in a new stock - which is really unusual coming from me. These days, I try not to be much concern regarding the market volatility, but fact is, I absolutely hate it.

I had spent a lot of money in July. I must admit, it's quite hard to get back in the roll of saving money.

Happy birthday, Acadian Investors!

Who else could I be other than an Acadian? I was too good to be a Quebecker. Being Acadian is not about the language either way. It's about being. I think Acadians make great investors because we are super resilient, we know how to take hit, no one can destroy me, no one can beat me out. Among with the First Nation, we have built this country down to its root. We have one of our best author, Antonine Maillet, about the only strong talent of the French Canadian literature who actually "got it" and who had been honor by the Prix Goncourt at a time when the price was still an honorable one and no prostitute of the like Virginie Despentes was member of the jury. The difference between an Acadian, Quebecker, and French is huge. We Acadians are about the only French expression people to have some common sense. Just the really best people in the world

On this extra special day, I wasn't much surprise to learn that the jerk of Justin Trudeau had been found guilty of violating the Conflict of Interest Act in the SNC-Lavalin affair. worst bad being is that Trudeau doesn't want to recognize his guilt. Typical behavior of another stupid Quebecker. Tudeau said he did what he did in order to protect jobs, but what he did was protecting SNC-Lavalin interests. CEO and high staff of SNC-Lavalin earn million per year. It's not fair that the jobs of unethical workers are being preserved. If you are a smart investor, you don't invest in SNC-Lavalin Group Inc. (SNC) or Bombardier Inc. (BBD.B). Rare are the Quebec businesses who actually worth it. Inside Canada, Quebeckers are well-known for their stupidity. Never put your trust in a Quebecker. Everything is unreliable in Quebec province. Lightspeed POS Inc. (LSPD) is another example of an unreliable Quebec bases business.

Basically, on the TSX, I am the only investor you should trust because I know my stuff, and the TSX is in my vein.

Yeah! CAE Inc. (CAE) is increasing its dividend distribution

Today was obviously a pretty bad day for the TSX. I wasn't able to check the closing of the day in real-time because I had to leave work early, since I had a dentist appointment. It went well. All the drama is coming from old grey fillers that I need to get replaced because some fillers started to break and I even one filler that started breaking oe tooth so yeah, my pretty mouth was a mess. The worst part being that I still have more work to be done inside my precious mouth. What I have left to be done will costed 2k. But good news being, what is being left is not a matter of emergency so I am planning to have more work to be done next year, and probably a second time the year after that because my insurance only covered 1k per year.

All of my problems came from a childhood spent in the 80s and early 90s where I was getting hot chocolate in the morning for breakfast. We also drank some coolaid, artificial juice, soda... We always ate quite well at home, the only problem was sugar drinks, especially coke. That stuff ruined my teeth, but it isn't that bad either, it's just light regular fillers on most of my teeth. My dentist said that she had seen worst cases than me. Some ladies in their young forties have none of their real teeth in their mouth. I still have mine, at least. Another problem that I will be facing, in another 10 years so so, is that I need to have them replaced again... Its being said that white fillers last for about 10 years... And since my pretty mouth is full of filler shit, I have to make sure that I put at least 10k aside for my teeth when I will get older. It won't probably cost as much as 10k, but it's good to have more than less so yeah... It's quite expensive to grow in age. As you know, I will be turning 39 on August 27th. Other than my teeth, that are inside of me, I don't have any sign of aging showing up, if not a few white hairs popping out, but I had some blond highlight earlier this summer and nothing is showing up. So this is a real dirty secret just between you and me so don't tell no one.

Knowing I had my appointment at the dentist during the late afternoon, I continue checking the TSX and I saw what I saw, going down, in the fear of a recession. Things are not super great in Germany, which is the heartbeat of the European economy. And the UK is just totally lost. So if things are not all good in Germany, chances are that we are going to hit a wall somewhere. 

I am, again, really happy that I don't hold any more of LSPD shares, and LAS.A shares inside my portfolio. Basically today, the only great financial news I was able to catch today is that CAE Inc. (CAE) - I hold this one inside my RRSP portfolio - had increased its dividend distribution.  But CAE took a hit down today, its value decreased today.

I won't check on the value of my portfolio because: I feel my mouth and I am feeling enough that I don't want to see the numbers. I will be ugly said, I know it. Ok so right now, I am just in need of a Smoothie the Cat video :0)

I have a confession to make: I am a romantic investor

If you are a longtime reader, you had already figured that out by yourself a long time ago. If you are new to the blog, you are just about to find out how a strange badass I am. And on top on that you are getting all of my best advice for FREE. You are just so lucky!!!

:-)

I guess you could say that I am somewhat a romantic investor. I had become a romantic investor over time. At first, I was only buying Derek Foster stocks. As time buy, I only love my stocks more and more. And I have babies that I wouldn't sell unless there's a big problem. Among my little favorite, we have  Fortis Inc. (FTS),  New Flyer Industries Inc. (NFI), Emera Inc. (EMA), Canadian National Railway Co (CNR), Toromont Industries Ltd (TIH) and Park Lawn Corporation (PLC) just to name those. My name is not **"@!!!!!. My name is Fortis Inc. (FTS),  New Flyer Industries Inc. (NFI), Emera Inc. (EMA), Canadian National Railway Co (CNR), Toromont Industries Ltd (TIH) and Park Lawn Corporation (PLC). I actually have other stocks that I like very much. Many of the stocks that I love the most had been with me for a really long time. 

Following 11 years of investment, I have strong intuition on which stocks will work for me for the long run. Each stock that I had been holding on for a long time had been part of my history. Its pure money love baby and when your love is so pure and honest, you cannot go wrong, those stocks are dogs that could kill for me on the stock market if I asked them to. They will - I hope - never let me down. But no matter how strong is the love, you have to do your duty and watch them closely. At the end of the day, the stock market is a dirty business and it's not the place to act like a princess and feel in the like of your stocks but what can I say, I am who I am, but at least, I know how I am. The stock market can be full of trick and really scary, if you don't know yourself before jumping in, I doubt you'll ever be successful. It's because the stock market is too emotionally involved, so you need a good base in yourself. You need the emotionally stable because the TSX, like any other stock market, is far from being stable.

Following Lightspeed POS Inc. (LSPD) big announcement yesterday, it was hard to figure out on which way the stock was going go. I was personally unsure, but many times, when businesses released more stocks, often, the stock will go down. And this is exactly what happens with Lightspeed POS Inc. (LSPD) today. However, I didn't know anything regarding the 6 million+ in subordinate voting shares announcement. It just happens that my timing was right. Not that LSPD doesn't have a great value, but it's a player stock that captures the attention of many many investors, big and small. And because of that, LSPD is the perfect stock for quick buy-and-sell sexy hot money-making moves. With yesterday, that makes the second time that I had been successfully trading LSPD for money and I may trade again LSPD in the future. It's been easy for me so far to trade LSPD because I had been quick. My buy and sell moves were quickly done and when I had a chance to sell at profit, I did. I never last long on LSPD, in the two times. I think that's why I had been successful on those little trades. I didn't make thousands, but I prefer getting involved only with little amounts for those types of trading investment. I want to be able to sleep at night. Also, I am not always available during the daytime to check on LSPD. And I wouldn't like the stock market to become all my life because it's too much of a hard place to be. I can take some load, but at a point, enough is enough.

Selling both LAS.A and LSPD at the same time

Today, I proceed with the sell of my Lassonde Industries Inc. (LAS.A) stocks. At first, LAS.A was starting the day on a positive note, so I taught twice before selling, but I finally place my move and I don't regret it because LAS.A closed on a negative note, losing 2.35%. In result, my margin debt is now down to 43,724.17‬. 

Shortly after selling LAS.A, I decided to sell my investment in Lightspeed POS Inc. (LSPD) to cash in a quick profit, just like I did before. LSPD looked like it wanted to go down, so I didn't want to lose the opportunity to a nice little quick gain. I don't know what does mean for LSDP, but the stock closed on a trading halt. And the reason why is that LSPD announced 6 million + in subordinate voting shares. I am not quite sure in which direction LSPD will be hitting tomorrow morning, but I am just glad I got rid of it, at least for now. I will have a few hundred to pay down from my little pockets for dental health care, so I am not unhappy that I sold LSPD, it just came at the right time for me.

Getting ready to say goodbye to Lassonde Industries Inc. (LAS.A)

At more than 16 300 points, the TSX closed this past Friday session on an encouraging note. It happens that I made the right choice last week. Selling Hydro One Limited (H) happens to be a good decision. Hydro One second-quarter results aren't looking good. As you know, following the sale of H, I had the really good idea to invest in Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A). In this short period of time, BAM.A gains 1.99% inside my TFSA portfolio. Another great move I made last week was to invest in some Lightspeed POS Inc. (LSPD) shares, again for my TFSA portfolio. Ever since, LSPD gains 18.60% inside my portfolio. I am quite pleased with those two and I couldn't have any better timing. Let just wish that I continue being fabulous like this for the next couple months.

This past Friday, my non-registered portfolio closed at $112,371.60, my TFSA portfolio at $78,168.32, and my RRSP portfolio - stocks only - at $45,398.27‬. Since the TSX is not in the 16 600 points, I am not exactly on top of where I should be, but the overall numbers are not too bad. Another stock of mine who had been performing well lately is WSP Global Inc. (WSP). I own WSP in both non-registered and TFSA portfolio.

July had been quite a heavy month in term of expenses, but I manage to cover it all. For August, I should be able to get more in the saving zone. I will be careful with my money for the next couple of months. For that reason, I want to be careful with the stocks I own in my portfolios. It's the reason why I got rid of Hydro One Limited (H) inside my TFSA portfolio. I want to have absolute confidence in the stocks that I own. Currently, Lassonde Industries Inc. (LAS.A) is not doing really great. The stock had been on a declining chart for quite some time now and I way to prefer to sell now since I can register a good capital gain from the sale. I own LAS.A inside my non-registered portfolio, so the sell of it will allow to pay down my margin account debt. Currently, my margin debt is at $45,505.44. I would like to see it going down to 40k by the end of the day.

When the time will be right, I would like to get rid of RioCan Real Estate Investment Trust (REI.UN) and BMO Bank of Montreal (BMO).

The month of July 2019: budget in review

Fix expenses:
Rent: $690
Internet + cable: $83.23
Cell: $40.24
Gym membership: $14.38
Total: 827.85

Foods:
Grocery: $224.46
Coffees: $36.97
Drinks and eating out: $237.6‬0
Wine: $13.65

Others:
Lottery ticket: $12
Sun lotion: 35.62
Toilet paper: 8.04
Stamps: $31.04
Envelops: $1.50
Beauty products: $82.98
Steps counter device: 20.68
Magazines: 11.44
Driver licence renewal: $84.69

Clothes: $191.33

Money spent during my 2-week vacations in New Brunswick: $1,216.16

Margin debt interest rates: $210.4‬0

TOTAL expenses: $3,246.41‬

Income:
Non-registered dividend: $339.23
TFSA dividend: $274.89
RRSP dividend: $91.46
Paycheque: $2,655.21
Money made by selling stuff on Kijiji: $35

TOTAL income: $3,395.79‬

Money save this month: $149.38‬

Investors, time has come to meet Smoothie and Milkshake

Feeling bad because the TSX suddenly lost over 100 points today? That suck, but I have the perfect remedy for disastrous days on the stock market: meet Smoothie and Milkshake, the most adorable cats of the Internet:

Soooo sweet! They are both just too cute to be real. Smoothie is just a tiny little princess, but she's certainly full of life, while Milkshake is the fluffiest kitty I have ever seen. Do you feel any better now? I know I do :-) 

Since the TSX was closed yesterday, today was the day when our Canadian market had to digest the current US-China trade war that is going on. It's not fun, the TSX could eventually go even lower, but there's nothing we can do about it. It's worrying, but I doubt that Trump will remain on his position for too long, especially knowing that we are already in the spirit the upcoming 2020 US elections. In term of stocks, we never remain in a downturn for too long. One thing you need to keep in mind is that we live in a capitalist world, and no matter what, the stock market always rebounce, sooner or later. The stock market will always go up, because it was built to do so, and for the rich to get richer with just no dead end to it. For now the 11 years I had been investing in stocks, I went through rough path, but I always invested little by little, and today, 11 years later, I have a net worth of more than 200k. I was able to do so because I never lost faith in the stock market. We can doubt about the good leadership of Donald Trump, but never doubt of the stock market.

Saying goodbye to Hydro One Limited (H) and welcoming Brookfield Asset Management Inc. (BAM.A) in my TFSA portfolio!

I just came back this week from my summer vacation in New Brunswick. It's the reason why I haven't posted anything for quite a long time. I now have a bunch of stuff I want to write about. While being away, enjoying the sun and beach, eating lobsters, drinking beer and wine, the TSX hit at some point the 16 600 points! I was quite happy with the achievement. For a moment, it almost felt like we were on the road for more steady gains. It looked like I had my chances to hit on the 240k+ net worth after all right in time for my birthday... but that happy time didn't last long. And it's all the fault of Donald Trump. I just hope China will remain strong in front of Trump. The United States always taught of themselves as international leaders. Now is the perfect time to break that pattern and bring them down. Especially since they had cut their interest rate. The US can be financially destroyed, but that can only be done if China remains strong and don't obey to Trump. In other words, China needs to be much stronger than Canadians in front of the US. The US had became the enemy of the modern world, destroying all of our economical security.

I didn't have time to make the announcement, but earlier this week, I had sell all of my shares Hydro One Limited (H). Ever since I had been holding on to Hydro One, that stock never completely pleased me and never sharply delivered. The chart of that stock always been all over the place. I had been holding to Hydro One Limited (H) since it's early beginning in 2015. At first, H makes its entry in my non-registered portfolio, and later on, I proceed with a contribution in kind of H for my TFSA portfolio. Since 2015, inside my non-registered portfolio or inside my TFSA portfolio, Hydro One Limited (H) never had been a super strong achiever with an amazing chart. I basically had lost my time with this one. So when I realized that was able to sell Hydron One without facing any loses, I did so. The time had come. Let say I had experimented that shit stock so you don't have too. At the age of the early beginnings, I was hoping to have in Hydro One exactly what I had with my investment in Fortis Inc. (FTS): a super stong chart with just amazing juicy dividend returns. But as time passed by, I realized that Hydro One Limited (H) would never become a mini Fortis Inc. (FTS). I had been quite disappointed by Hydro One. And with Doug Ford in Ontario, I have no confident what so ever that anything super great can comes out of Hydro One. It's now the perfect time to run out of it, and run to safety, in another stock that might be more reliable.

Another reason why I decided to sell H is that we may be facing a recession or more struggle on the stock markets. I want to face those upcoming hard times by standing strong with only my best worrior dogs by my side. I guess you might know by now that I had a fatal attraction for Brookfield Asset Management Inc. (BAM.A). Following the sell of H, I had bought Brookfield Asset Management Inc. (BAM.A) inside my TFSA portfolio. BAM.A is the type of strong stock that I belive I can rely on in order to look good on the stock market. BAM.A will probably perform better than Hydro One Limited (H) for the long run.

So this past week - quick recap - I came back from vacation AND I sold H, and bough BAM.A. But that's not all!

I spent quite some $$$ during my vacation, eating seafood, shopping at Moncton, drinking beer, wine, eating out.... I had spent some money. But what's the point of having a net worth of more than $200 000 if it's not to spend money from time to time? However, following period of heaving spending, I quickly get back on my lead and become frugal. And what about trading like a "man"? Trading for just trading? Only for the money, nothing else. I have the ultimate stock for that specific purpose.

I do not really like this company, but like a good girl, I follow the stock market. And if the stock market loves a stock, it would be a shame to push it away. Ever since I discovered this Quebec stock, I always kept my eyes and it. I knew it would be the perfect stock to buy and sell in a hurry for some quick fabulous gain: Lightspeed POS Inc. (LSPD). Personally, I strongly believe that LSPD is among the best Canadian stock to perform day trading on. Nothing is guaranteed, but I had trade LSPD in the past and I had been able to make a profit on it quite quickly. I don't understand why LSPD has experienced such fabulous success on the TSX. LSPD is still today on a high momentum and it would be crazy not to benefit from it. Its title moves quite quickly, so you might have to watch it closely. I had bought last week some LSPD stocks, and I hope to sell them soon to make for some hot gains. At this time, I am not willing to play on other stock, only Lightspeed POS Inc. (LSPD)., and only for a small amount of money.

That being said, my non-registered closed this past Friday session at $112 398.36, my TFSA portfolio at $77 775.61, my US portfolio at $3 340.40 US and my RRSP portfolio at $45 255.42. After paying down all my vacation expenses, I had been able to keep a $2 000 in my chequing account. My margin account debt is now at $45 640.89. I estimate my net worth to be in the $220 000. This is not too bad knowing that the TSX is way under the 16 500 points. We closed Friday at a low 16,271.66‬ points, losing more than 100 points in the process. Days when we are losing 100+ points are not good days, and it always has bad effect on a portfolio like mine, who's quite heavy in term of stocks.

I now have a $500+ in cash in my RRSP portfolio, that money comes from different dividend distributions. That allow me to place another investment inside my RRSP portfolio. Who will be the happy winner? For this investment, I don't want to play, I want something easy to hold, that I will be able tohave in my RRSP portfolio for the long run. I don't know yet for sure what that investment will be made of.

Contribution in kind for my TFSA: Aecon Group Inc. (ARE) and ATCO Ltd. (ACO.Y)

I just updated my monthly expense for the month of June. For the month of July, just be ready to probably see no saving at all or really little because I have a 2-week vacations coming up and it's going to be happy spending time! I also recently pay for the renewal of my driver licence (exactly $84.69!!). Following July, August and September are going to be quite easy and on low spending, as well as the month of  October, even if I always visit home in October for the hunting season. My October vacations are usually quite inexpensive.

For 2019, I still had several thousands left in contribution room for my TFSA. That's because the year before, I sold a couple of my stocks that I was holding inside my TFSA, and I got the money transferred in my non-registered to pay down my margin debt. I decided to take my Aecon Group Inc. (ARE) and ATCO Ltd. (ACO.Y), and got them both transferred inside my TFSA. I am curretly not experiencing a gain on both of them. We are almost there when it comes ot ARE. As for ACO.Y, that stock had been a bit more difficult to hold, but I like it anyway. After this, I still have a couple thousands left in contribution room for 2019. The plan would be to save a couple thousands by the end of the year and invest that money inside my TFSA.

In result of that recent move, my non-registered portfolio closed this past Friday session on a tiny $117,192.32‬, my TFSA portfolio now standing strong at $77,822.57, and my RRSP portfolio - stocks only - is now at $45,827.44. Currently, I have abit more than $700 in cash in my TFSA - that money came from dividend earnings. In my RRSP stock portfolio, I have bit over $400 in cash, also coming from dividend distribution. So what should I get? I don't know for sure. It could be the fault of the nice weather we had for the last couple days in Montreal, but I don't have my mind on investment right now.

The month of June 2019: budget in review

Fix expenses:
Rent: $680
Internet + cable: $82.93
Cell: $40.24
Gym membership: $14.38
Insurance: $7
Total: $824.55

Food:
Grocery: $367.59
Coffees: $29.42
Eating out: $203.60
Wine: $34.50
Total: $635.11

Hair:
Highlights: $137.97
Hair cut: 63.24
Total: $201.21

Clothes:
Jean coat: $112.68
Purse #1: $5
Purse #2: $73.58
Total: $191.26

Others:
Cleaning products: $35.61
Lottery ticket: $6
Laundry tickets: $30
Personal care products: $243.66
Total: $315.27


Toal living expenses: $2,167.4‬0
Margin debt interest rates: $225.35
TOTAL EXPENSES: $2,392.75‬

Income:
Non-registered dividend: $566.07‬
TFSA dividend: $163.68
RRSP dividend: $49.43
Paycheque: $2 643.24
Items sell on Kijiji: $84
TOTAL INCOME: $3,506.42

MONEY SAVE: $1,113.67‬

My debt situation on date of June 24, 2019

Margin account: $45 759.14 @ 5.50%
Annual interest: $2,516.75
On date of June 24, 2019

*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 June 24, 2019

Cold cash: $2,190‬

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $11,183.64‬

Methanex Corporation (MX): $6,188.24
Fortis Inc. (FTS): $6,573.75
Pembina Pipeline Corporation (PPL): $30,846
Corby Distilleries Limited (CSW.A): $2,489.29‬
iShares S&P/TSX Capped REIT Index (XRE): $2,932.16‬
New Flyer Industries Inc. (NFI): $4,241.6‬0
TMX Group Inc. (X): $733,92‬
K-Bro Linen Inc. (KBL): $4,034
TransCanada Corp (TRP): $1,637
Canadian National Railway Co (CNR): $10,940.40
Enbridge Inc. (ENB): $15,275.70
Emera Inc. (EMA): $1,361.5‬0
BCE Inc. (BCE): $1,322.64
Saputo Inc. (SAP): $1,563.2‬0
Lassonde Inc. (LAS.A): $1,956.80
Loblaw Companies (L): $806.40
Savaria Corporation (SIS): $6,834.74
ATCO Ltd. (ACO.Y): $2,658
WSP Global Inc. (WSP): $3,535.5‬0
Aecon Group Inc. (ARE): $1,940
Aphria Inc. (APH): $1,870
George Weston Limited (WN): $99,20

TOTAL: $121,023.68

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1,654.80
General Mills Inc. (GIS): $1,717.44
Cash: $26,66

TOTAL: $3,398.9‬0 US: $4,556.91 CAN

Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI): $12.92
RioCan Real Estate Investment Trust (REI.UN): $935.20
CT Real Estate Investment Trust (CRT.UN): $1,448‬
Canadian National Railway Co (CNR): $4,862.40
Exchange Income Corporation (EIF): $38.33
Brookfield Infrastructure Partners L.P. (BIP.UN): $3,741.95
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,364.40
Andrew Peller Limited (ADW.A): $2,352.8‬0
Hydro One Limited (H): $2,445.42
Toronto-Dominion Bank (TD): $1,536‬
Boyd Group Income Fund (BYD.UN): $5,000.40
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN):
Data Communications Mgmt (DCM): $8.40
Morneau Shepell Inc. (MSI): $2,675.70
Royal Bank of Canada (RY): $4,199.60
Park Lawn Corporation (PLC): $1,740
Toromont Industries Ltd (TIH): $2,446
BCE Inc. (BCE): $541.08‬

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,096.5‬0
Sienna Senior Living Inc. (SIA): $1,566.40
Boralex Inc. Class A Shares (BLX): $802.8‬0
Richelieu Hardware Ltd. (RCH): $1,012‬
Savaria Corporation (SIS): $925.4‬0
Northland Power Inc. (NPI): $2,550
Calian Group Ltd. (CGY): $2,516‬
BMO Bank of Montreal (BMO): $1,995.6‬0
Canadian Utilities Limited (CU): $1,568.70
WSP Global Inc. (WSP): $1,767.70
Granite Real Estate Investment Trust (GRT.UN): $620.3‬0
Cargojet Inc. (CJT): $2,437.16
Nutrien Ltd. (NTR): $3,618‬

TFI International Inc. (TFII): $3,186.4‬0
Canadian Imperial Bank Of Commerce (CM): $3,154.50

SIR Royalty Income Fund (SRV.UN): $1,279.2‬0

Cash: $642,89

TOTAL: $72,556‬

RSP investment portfolio: 
Emera Incorporated (EMA): $15,521.1‬0
EnCana Corporation (ECA): $681.48‬
Toronto-Dominion Bank (TD): $2,304‬
Telus Corp (T): $2,420
Royal Bank of Canada (RY): $2,099.80
Savaria Corporation (SIS): ‬$2,670.44
Thomson Reuters Corporation (TRI): $3,123.72
Park Lawn Corporation (PLC): $5,800
Richards Packaging Income Fund (RPI.UN): $1,445.73‬
Toromont Industries Ltd (TIH): $428.05
CAE Inc. (CAE): $2,426.2‬0
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,552.85‬
Boralex Inc. Class A Shares (BLX): $1,003.5‬0
Quebecor Inc. (QBR.B): $786
Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $283.50
Brookfield Renewable Partners L.P. (BEP.UN): $864.12
Cash: $402.7‬0

Total: $45,813.19‬      

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $2,957.79‬

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

GIC National Bank: $1 342.86              

Manulife Fidelity NorthStar GIF CAP B: $1,670.15
Manulife Simplicity Growth Portfolio: $1,410.68
Maritime Life CI Harbour Seg Fund: $1,238.14
Maritime Life Fidelity True North Seg Fund: $1,189.52
Manulife GIF MLIA B World Invest: $1,267.35
Total: $6,775.84

Other various: $13,565.17‬

TOTAL: $71,534.6‬0

Social Capital at Desjardins Membership share: $35
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

On date of June 24, 2019
$271,896.19‬

Check out those super great videos of the Dividend Girl on YouTube!

You are not hearging much of me for multiple reasons, and one of them being that I am taking little videos of some of the shows I recently went to on YouTube:

SANS PRESSION!!!! Crazy but respectful crowd.

I like that kind of videos where there's no editing at all, and the zooming goes in and out in the wood and the screen is shaking up and stuff. Rock on baby, rock ON. Aahah! And just to naturally add to the excitement of the past hot couple days, the TSX is getting back in track! Will we go back to the old 16 600, 16 700 points anytime soon? My answer to that is YES. Nothing is impossible, especially since the TSX closed today session at 16,503.35‬ points. In result, my non-registered portfolio closed today session at $121,112.2‬0, my TFSA portfolio at $73,050.81. I was so happy by the boom that I allow myself to buy a coffee ;-)

I had a quick look at all of my baby stocks, I didn't proceed with any sell or buy. Aecon Group Inc. (ARE) had caught me, I am getting stronger on the stock and I am almost experiencing a gain on ARE. Go go go ARE! The $250 000 net worth is just around the corner.

Have a good summer.

I am having some problems with TD Direct

The TSX closed on a positive note, but nothing really exciting. is going on. This is kind of the perfect time to go on a vacation right now. I guess you could take a whole week off, come back, and things would be exactly the same. This is what the TSX gave me as energy lately: nothing at all. While being in a state of no excitement, the TSX left me today with a non-registered portfolio at $119,476.51‬, my TFSA portfolio at $72,134.67 and my RRSP, at $45,267.67.

I don't know what's going on, but I had proceed with a transfer from my bank account to my margin account, and my Caisse called me today to say that TD had refused my payment?!!! But I proceed with this type of transfer ALL THE TIME!??? So I just hang up with TD. First, I notice that my Transfer button to transfer from my margin to my internal credit lines (I got 2) was no longer in the upper corner right in my broker account. DRAMA. But than, I discover that it's under My Account - Cash transfers and foreign exchange. I don't know why they had proceed with such change. It was a lot more user friendly to have a Transfer button right in my face. They had place to leave it where it was before, there's plenty of space in the upper corner right.

But the mystery remain regarding the payment that TD had refused. Like this is a complete mess. I am not happy TD Direct. I taught: ok this is it, after all those years of managing my margin like a pro, it's now that I am getting margin f"ck like a sucker?! But I have over 31k left of available money on my margin?? COME ON TD Direct, stop treating me like shit. I am going to proceed with the payment one more time, and if it get refused, I will simply open a new broker account someplace else, or start something like what could be a second portfolio someplace else.

Because when you think about it more seriously, I have big chuck of my little fortune with TD. If something get wrong, like that non received payment - but more dramatic problem - if anything happen, I am in a bad position. CIBC always been really great to me so I taught about opening an brokerage account with them, but what stop I think was that a minimum was required, so I don't know. I need to check it out.

Brookfield Asset Management Inc. (BAM.A): in the radar of Christine Poole

Christine Poole, CEO and managing director at GlobeInvest Capital Management was at BNN for the Market Call. Like me, Poole like BAM.A, but I doubt she actually loves it as much as I do. I do not own it yet in my portfolio, but one day it will.

Currently, the stock market is not fun or exciting, it's actually pretty boring out there right now. I am trying to concentrate on saving money. I am just at the breaking point where I would really like to get a hair cut to get exactly the same Marilyn Monroe hair cut I got right before my Easter vacation. I could afford, but that would take away $65, but I am really determined to keep that $65 in my pocket for the month of June. If I let my hair growth, the process will actually be quite easier because I will be able to attach them. My next hair cut could only be in August... I, however, doubt, because I never can stand myself really long without having my hair trim. Having curly hair is not helping my case. I have everything playing against me. I am a woman (being a woman cost more than being a man), I have curly hair, I love coffee, and I have a huge appetite.

With the nice weather, it makes it somewhat easier and not to save money. The sun brings in the idea of new clothes, like pretty summer dresses... but I made another commitment to myself: not to purchase any clothes this summer. The only thing that I may allow myself is just a pair of new sandals, but I can do without. I have an upcoming 2 weeks vacation in July. In those 2 weeks, I will probably be spending most of the saving made in June. That's why I am trying to go easy in June. If I don't buy any makeup and clothes, chances are that I will probably be able to save at least $1 500. But that's all mine to do.

When the summer finally began like it did for this past weekend, I usually get a pedicure. So far, I did my nails myself, but it's always easier and fun to have them done. But I didn't. The amount of money I saved by doing my nail myself is $40. It's actually quite some money. If you add up all of the little savings you can do in a month, you could, like me, exceed in the 1k in saving every month. But it's something that requests some sacrifices. I used to go to the movies one a week, I no longer do that anymore, I used to get my nails done from time to time, I don't anymore... Stuff like that. Those type of savings help a lot because I do spend some money on coffees and eating out. I, however, try to control the expenses made in those areas. Clothes shopping is another area that can eat up your bucks, as well as makeup and beauty products.   

It's not easy to save money in Montreal, there are too many spending temptations in this damn city. While trying to save some bucks, you need to have that precious idea in your head on a daily basis. And be strong, while fighting your demons.

My precious baby Richards Packaging Income Fund (RPI.UN) is doing kind of fine

I hope you had enjoyed my last three posts with my unknown Mr. Handsome lol. I had some other stuff to post. I also went to Little Italy with the past weekend and Old Montreal. We have really awesome weather so I went a bit everywhere it was free for Formula 1. So more pictures to come! I was finally able to complete my monthly expense post for the month of May. I was able to save $1,175.59 without much deprivation. I hope to save again big bucks in June. That way, I should be able to cover my vacation expenses. This month so far, I had sold for $84 worth of stuff on Kijiji. Basically second-hand items that I no longer use. I wish to sell a bit more, but it's not exactly an easy task to sell stuff on Kijiji. I won't expose my trick here because it's already hard enough to sell anything at all there, and you already gifted by knowing my best stocks.

In term of budget, I had received bad news, my monthly rent had increased by $10. Starting on July 1st, my rent will be $690, instead of $680 per month. Currently, in Montreal, there's a lack of available apartment. I had tried before to find another apartment, but it's terribly difficult to find a clean well-maintained apartment block where rent is under $700. I had visited many dirty places. Montreal is getting more and more expensive, as well as dirtier. I don't expect to stay forever here. Montreal is a debt hole track. There's a lot of things to do here, but Montreal is not a functional city. Nothing work well, there's construction a bit everywhere, public transportation is jam pack. During the summer, it can get extremely hot in the summer. I am just happy that I don't have to use public transportation everyday. All quality services are hard to receive. Montreal is not the perfect spot where to grow as an individual and to have a nice career. People are just distusting here. I find Quebeckers to have poor intelect. I try to minimize my interactions with them to the strict minimum while having to be here. but just give me a few more years, and I will be out of this hell zone.

This being said, today wasn't exactly a good day for the TSX and my portfolios are doing ok. My non-registered portfolio closed today session at $119,458.32, my TFSA portfolio at $71,896.22, and my RRSP portfolio at $45,107.9‬0. My really fabulous Richards Packaging Income Fund (RPI.UN) gains 6.75% today. RPI.UN had been in my portfolio since July... 2016! I also remembered that UFO song. It's been 3 years ago. I guess I didn't take time to read myself because a sentence is kind of sounding strange in there lol. But it always make me laugh to read old posts for all kind of reasons. I am just really greateful to be an anonymous blogger. In your face.