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September 2014 networth update: $341640 (+2.4%)

I am doing a happy dance this month because I was getting a bit worried the last two months with my sad net worth updates.  I spent very little this month with the big splurge being $200 on base layers (merino wool is pretty amazing, I must say I was hesitant to spend so much on a piece of clothing but it’s been great so far).

The markets have been doing alright and has accounted for a large portion of my increase in net worth this month.

My goal for the end of the year was to break a net worth of $350,000, which is means $8400 by the end of the year.  If I include my pension contributions, my net worth goal was $380,000, which means $865 by the end of the year.  Of course I will aim for the former net worth goal but I will use the latter one if push comes to shove :) (since it’s easier to achieve).

Okay, so here’s the breakdown for September 2014 ($341, 640): +2.4% +$8000


CASH: $39475 (+11%)

Net Worth Update

  • I added up my chequing and savings accounts (High Interest Savings Account). I automatically deduct money from my chequing account and have it siphoned to the HISA account (paying yourself first)
  • I have $4800 saved up for my big trip that I hope to do this year.

Non-Registered: $105740 (+0.5%)

  • Haven’t bought any more stocks yet, but so far things have been doing decently
  • These are stocks that capture the “moment in time”, including unrealized gains or losses in my BMO Investorline and Questrade accounts.Continue Reading

Five of My Favourite Stocks

I’ve certainly slowed down a lot compared to years ago when I would be buying and selling stocks a few times every month.  I have had my fair share of investing in dead-end stocks and making mistakes when it comes to investing.  However, there are a few stocks that I have been very happy with.  They have been consistent, they have delivered, they have been reliable, and they continue to grow.  I have not had to abandon ship on them because they have not given me reason to.

Much like a good, healthy relationship with another person, I feel that investing in a good stock makes you feel warm and fuzzy inside when you have a good and healthy stock.  As the trust builds and you develop rapport and familiarity, you know that you can trust that stock and you know that they will treat you well.

Here are five of my favourite stocks that have been tried and true favourites of mine.


Five of My Favourite StocksI have owned this for a while now and I hold it in my TFSA.  To be honest, the best thing about this stock is that they deliver a gift card for Keg Steakhouse restaurants within the annual report.  I admit I am pretty bad because oftentimes when I see the annual report I don’t usually look at it, but this one time a few years ago I opened it and found a gift card.

For those of you who haven’t tried eating at the Keg, here is my review on the food.  It is a consistent restaurant for a consistent atmosphere and consistent vibe.  The servers are always friendly.

I talk about this stock back in 2011 here in my TFSA holdings post.  At the time, the annual distribution was about 7%.  Currently is is about 5.92% per Google Finance, which is still pretty decent.Continue Reading

30 Life Lessons Learned in my First 30 Years- Y&T edition

On the rare occasion that I check out Nelson Smith’s Financial Uproar blog (no, not because I don’t enjoy his writing, but because I don’t have much time these days to check out my favourite personal finance blogs), I saw an interesting post called “30 Life Lessons Learned in My First 30 Years“- really enjoyed reading it, knew that Nelson was a person of substance behind that chauvinistic stuff he posts objectifying women ;)

I enjoyed reading it so much that I thought I would share what I have learned in my first 30 years in this world.  I have a few more months to go before I officially turn 31 (and over the hill haha) so might as well make it count, right?

Unlike Nelson, my thirty observations probably wont’ be good enough or interesting enough to print out and put on your refrigerator, but perhaps they will be food for thought anyways.  After all, isn’t it wonderful to gain collective wisdom together?

So here goes!

  • You Don’t Know Anything at 20

30 Life Lessons Learned in my First 30 YearsI used to think that I had my life set at age 20, and thought I knew it all.  I didn’t.  I still don’t.

  • You Can’t Change Anyone

In romantic relationships, you need to make sure the other person shares your values- otherwise you end up trying to change the other person.  I learned one thing from the relationships I have had in the past 10 years, and it is that you can’t change anyone.

  • Life is going to through you a curve ball

One day something will hit you that will change the way you perceive life, will change the way you perceive your future.  Life will throw you a curve ball.  It makes it more interesting that way.

  • Nothing is Permanent

Continue Reading