Fiscal Update – Oct 2013 – Investor Class

The trailer for the new X-Men movie came out earlier this week 🙂 I like how Marvel is using existing brands and characters to create fresh and interesting blockbuster films like with the latest X-Men and Avengers series. It’s part of the reason why I invested in Marvel’s parent company Disney in the first quarter of this year 🙂 Anyone else own DIS? The stock is up over 30% year to date beating the market 😀 I certainly got lucky with this stock. Or maybe I’m just psychic and have a fifth sense. It’s like I have ESPN or something 😕 In November I plan to buy some new stocks like maybe IBM, CSCO, QCOM, or perhaps even TWTR???  (゜o゜)  #YOLO

October has been amazing for my finances, mostly due to dumb luck like the stock market rally. Both the S&P/TSX Composite and the S&P 500 increased over 4% this month, and my non-registered portfolio which holds roughly $120K of stocks went along for the ride and increased by more than $5,000!

If that wasn’t awesome enough I also received rent this month from my farm tenant. I used most of this rent money to finally pay off my $4,000+ of credit card debt, Yarrr!


With over $5,000 of rental income, plus another $5,000 gain from stocks, my investments alone have contributed over $10,000 to my net worth this month. Ooh la la 😯 Where’s the fire extinguisher because my net worth is on fire 😎

Even if I had spent 100% of my work income, and effectively lived paycheck-to-paycheck, I would still be $10,000 richer this month. I began my career in 2008 and I’m completely flabbergasted at what consistently investing in a diversified portfolio can accomplish in just 5 short years. This is what happens when we go into debt in the short term to build a more prosperous future for the long term 😀

*Side Income:

  • Part-Time Work = $500
  • Dividends = $500
*Discretionary Spending:

*Net Worth: (MoM)

  • Assets: = $574,800 total (+7300)
  • Cash = $6300 (+700)
  • Stocks CDN =$77,700 (+2600)
  • Stocks US = $43,400 (+2600)
  • RRSP = $32,900 (+1400)
  • Home = $252,000 (same)
  • Farm 1 = $152,500 (same)
  • Farm 2 deposit = $17,300 (same)
  • Debts: = $379,100 total (-4300)
  • Mortgage = $201,100 (-300)
  • Farm 1 Loan = $109,500 (-200)
  • Margin Loan CDN = $26,100 (Same)
  • Margin Loan US = $23,500 (+500)
  • TD Line of Credit = $18,900  (-100)
  • Credit Card = $0 (-$4200)

*Total Net Worth = $203,000 (+6.1%)
All numbers above are in CAD. Conversion rate used: 1.00 USD = 1.04 CAD

The bulk of my savings and capital now come from investment earnings like rent and stock appreciation, and not from my job anymore. If there’s such a thing as the “investor class” I believe I’m now in it  (^_^)

This is starting to get ri-doo-doo-diculous (>.<) I feel kind of guilty because I work with brilliant people who are smarter, more responsible, more experienced, and make a higher income than I do, which they should. I think they deserve the high investment returns more than me, but I don’t think all of them received a windfall like I did this month due to their past circumstances and financial decisions 🙁 I wish everyone was more financially literate.

Going from $0 to my first $100K in net worth took 3 years to accomplish. But getting from $100K to breaking the $200K barrier today took only 2 years roughly (●^o^●)Maybe I can get to $300,000 in just another 1.5 years! The more we already have invested, the more profits we should make. I have 75% more assets today than 2 years ago. So it’s easy to understand why my wealth is growing exponentially, especially in this current bull market 🙂 By making smart investment decisions we don’t have to rely on some miracle wage increase at work to still achieve our financial goals. There are always ways to accumulate assets despite the circumstances. The graph below was first introduced earlier this year.

13_07_multiple_incomesMy Ontario friend, Mandy, just reached $300K in net worth for the first time this month and she’s not that much older than me. Congrats to her! Let’s all continue to make great investments folks! :0)

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Not Working
Not Working
10/31/2013 12:38 pm

I like your income graph, think ill start one for myself 🙂

10/31/2013 1:47 pm

100% AWESOME on reaching $200,000+

10/31/2013 3:49 pm

Congratulations on your epic net worth increase! Mine went up this month courtesy of my investments as well, but not nearly as much as yours did. One day 🙂

10/31/2013 5:32 pm

Awesome work, or should I say not working, this month! Really cool to see that passive income roll in and keep turning over into bigger and better things. When you do need to start unwinding your debt, what is your plan? I think your farms should hold up their end, but your margin loans and other debt will probably need to be eliminated somehow.

Investing Pursuits
10/31/2013 6:57 pm

That is quite the increase…. From the post, I get the transfer of the second farm to your own name not going well?

10/31/2013 10:28 pm

You are certainly increasing your net worth at an accelerated rate! Very well done. I salute you!

Laurie @thefrugalfarmer
Laurie @thefrugalfarmer
11/01/2013 3:42 am

I’m always in awe of your investment income, F35. This is definitely our plan once we rid ourselves of at least a good chunk of our massive debt. I think it’s great that you’ve done so well, so quickly! Congrats!

11/01/2013 5:11 am

Kudos my friend to yet another additional point to the exponential graph you are tracking! With all these pats on the back above, soak it up, enjoy the win, but never let your guard down. Never let the emotion get the better of you. The market loves to destroy the feeling of euphoria. Because we leverage very little (~2% currently borrowed) our net worth is tracking +10.3% ytd. Investment wise though we’re running +19% which ain’t too shabby. I think it is time to start planning for the next market shift though, probably near the end of January or mid February as the US still have some major issues to rectify – Cheers.

Girl Meets Debt (@girlmeetsdebt)
Girl Meets Debt (@girlmeetsdebt)
11/01/2013 7:42 am

Yay for being credit card debt-free! 🙂 “Where’s the fire extinguisher because my net worth is on fire?” It certainly is Liquid, Congrats!

Steve @ The Silver Maple Leaf
Steve @ The Silver Maple Leaf
11/01/2013 11:42 am

Awesome Liquid congrats! I learn lots from your posts and find them very insightful 🙂

ND Chic
ND Chic
11/01/2013 5:59 pm

Very nice! What rent per acreage are you getting for the farmland? Going rents here are $150 on the low end to $225-250 on the very high end for land that is well-drained and can support sugar beets. I think having a stream of farm income is the smartest way to diversify. The margin accounts scare me but they don’t seem to worry you.

11/02/2013 5:40 am

You are on fire!!!!

Laura / No More Spending
Laura / No More Spending
11/03/2013 12:16 am

I love that the second $100k took less time! Very inspiring!

11/04/2013 5:09 pm

I really enjoy reading your blog. I like how positive you are. It’s a breath of fresh air!

Just wondering, does your average net earnings per month include interest expense? Just curious. Thanks!