Net Worth July 2016 Update : $13,591.43 (+$1,259.79 +10.22%)

Assets May-16 Jul-16 Monthly Change
Checking $1,571.08 $1,033.58 -34.21%
Saving $125.43 $653.58 421.07%
TSFA Investment $1,554.69 $1,280.99 -17.60%
RRSP Investment $0.00 $0.00 0.00%
House $215,000.00 $215,000.00 0.00%
Car $17,000.00 $17,000.00 0.00%
Mortgage $206,872.22 $205,866.04 -0.49%
Car loan at 0% $14,300.56 $13,643.26 -4.60%
Credit Card $1,746.78 $1,867.42 6.91%
NETWORTH $12,331.64 $13,591.43 10.22%

This net worth update is a two months update. Last month I didn’t had the time to write some post so it’s a nice grow from may. Next month should be a lower grow since it’s school and municipal tax month.


Readers : How is your net worth ?

Dividends Review – July 2016

DividendsHello readers, this is my dividends review for July 2016.
Dividends from ETF Holdings:
  • ZRE have pay 0.088$ per share on  july 7th 2016. I received 0.70$ from ZRE.
  • DRG.UN have pay 0.06667$ per share on july 15th 2016. I received the. 1.73$ from DRG.UN
So I’ve receive 2.43$ of dividends in july 2016
Readers: how was your dividends last month ?

Dividends Review – June 2016

DividendsHello readers, this is my dividends review for june 2016.  This update is little late since I was on vacation and did not got the time to update the blog.
Dividends from ETF Holdings:
  • ZRE have pay 0.088$ per share on  june 6th 2016. I received 0.70$ from ZRE.
  • VDY have pay 0.12049$ per share on june 7th 2016. I received the. 1.93$ from VDY.
  • DRG.UN have pay 0.06667$ per share on june 15th 2016. I received the. 1.73$ from DRG.UN
  • BAD have pay 0.01$ per share on june 15th 2016. I received the. 0.30$ from BAD
  • VDY have pay 0.08510$ per share on june 23th 2016. I received the. 1.36$ from VDY.
  • VXC have pay 0.18705$ per share on june 23th 2016. I received the. 0.94$ from VXC.
So I’ve receive 6.96$ of dividends in june 2016
Readers: how was your dividends last month ?


Net Worth May 2016 Update : $12,331.64 (+$5.92 +0.05%)

Assets Apr-16 May-16 Monthly Change
Checking $1,263.86 $1,571.08 24.31%
Saving $2,130.73 $125.43 -94.11%
TSFA Investment $1,324.36 $1,554.69 17.39%
RRSP Investment $0.00 $0.00 0.00%
House $215,000.00 $215,000.00 0.00%
Car $17,000.00 $17,000.00 0.00%
Mortgage $207,373.59 $206,872.22 -0.24%
Car loan at 0% $14,629.21 $14,300.56 -2.25%
Credit Card $2,390.43 $1,746.78 -26.93%
NETWORTH $12,325.72 $12,331.64 0.05%

This month Net worth didn’t grow a a lot. A least it’s in the positive side. We had a lot of spending related to the our house. First summer in the house so a lot of tools needed.  I will try have a better grow in my investment account.

Dividends Review – May 2016

DividendsHello readers, this is my dividends review for may 2016.  Next month, I should get an higher amount of dividends since I’ve invest in some new dividends stock.
Dividends from ETF Holdings:
  • ZRE have pay 0.088$ per share on  may 5th 2016. I received 0.70$ from ZRE.
  • VDY have pay 0.073589 per share on may 6th 2016. I received the. 1.18$ from VDY.
  • DRG.UN have pay 0.06667 per share on may 15th 2016. I received the. 1.73$ from DRG.UN
So I’ve receive 3.61$ of dividends in may 2016
Readers: how was your dividends last month ?

Weekend Reading : Focus, Dividend Growth, Canadian Restaurants Dividends


Welcome to my first weekend reading edition from The Financial Tech.

Here’s my favorite articles from the last week :

Are you focusing on the wrong things by Tawcan

Dividend Growth and the Environment by GoGoAssets

Dividends in Hand wrote about Ten Canadian Restaurants With Growing Dividends

This week I posted two articles on how to host your own blog. Here’s the technical solution and here’s the easy solution.

Have a nice weekend !

How to host your blog on your own VPS

I am using a virtual private server to host my blog and my other site. The principal advantage you have using a VPS is that you have all the control on your private server. The cost is lower then a dedicated and higher than a shared hosting. I am using Digital Ocean and I am recommend it to every one.

Warning : You should have basic skill in computer to host your blog on a VPS. If you don’t have any skill or you don’t want to troubleshoot some problem read this post about Shared hosting.

1. Sign up to Digital Ocean

Step 1 – Registration DigitalOcean

1. First Click HERE

2. Click Sign Up


3. Fill Email and Password and click Sign Up

4. Open the email to confirm your registration

Step 2 – Billing Update

In the Billing section, you need to add a Credit Card or PayPal account. I recommend just use a PayPal account and add money in it when you need it.

1. Click Update Billing option

2. Select only PayPal, scroll down please make payment. To be safer, deposit only $ 10 or $5

3. Select Pay with my PayPal account

4. In the PayPal page, log in your Paypal account and click on pay

5. The deposit will be added to your account

You also get free $10 credit for the first time. That mean you have total $15 credit. With this credit you can create one VPS for three months.

2. Create your Droplet

Step One — Log In

To create your first Droplet go to the DigitalOcean Control Panel and log in with your email and password. The create button will be right there on the first page: click on “Create Droplet”:

Create Button

Step Two — Select Droplet Image

You can create your Droplet image from 2 possible categories:


I recommend to choose the distribution Debian and select the latest version available.

Step Three — Select Your Droplet’s Size

Depending on your budget and your traffic, you can select the Droplet option that works best for you.



Since you can upgrade after the installation and if you are starting a blog, I recommend using the $5 / month droplet to start and upgrade it if it’s too slow.

Step Four — Select Your Droplet Region

You may choose the most effective region for your Droplet location. They are all the same thing but I recommend that you use the nearest to your readers since it will have least latency and faster response.


Step Five — Select Additional Options

The Select additional options section allows you to select which features you would like your Droplet to have:


Since we are hosting only a blog, I will not use any additional options.

Step Six— Select the Number and Names of the Droplets to Create

Next, you can choose the number and names of the Droplets you wish to create. You only need one droplet to host a wordpress blog.

Each Droplet must have a name. This name will be used in the DigitalOcean control panel and as the server’s hostname. You may use your domain name to recognize easily your droplet.


Step Seven— Create Your Droplet

Once you have selected all of your preferred options, click on “Create”. After your Droplet is created, its root password will arrive in your email inbox and the Droplet will be set up.

Now your server is ready to install the web sever.

3. Configure and install the web server on the VPS

Step One – Log In With Windows

To log in to your Droplet on Windows, you will need to have PuTTY, an SSH client, installed on your computer.

  1. You can download the program here. Choose the Windows installer.
  2. Once PuTTY is downloaded and installed, starting the program will take you to the configuration screen.
  3. Fill in the “Host Name (or IP address)” field with the Droplet IP address from the DigitalOcean control panel. Make sure that the port number is 22 and that the connection type is SSH.
  4. Click on Connect. After PuTTY starts up, type in the root password that was emailed to you.

You will then be connected to your DigitalOcean Droplet.

Step Two—Install Apache

To install apache, open terminal and type in these commands:

apt-get install apache2

That’s it. To check if Apache is installed on your VPS, direct your browser to your server’s IP address (eg. The page should display the words “It works!”.

Step Three—Install MySQL

To install MySQL, open terminal and type in these commands:

apt-get install mysql-server

During the installation, MySQL will ask you to set a root password. If you miss the chance to set the password while the program is installing, it is very easy to set the password later from within the MySQL shell.

Finish up by running the MySQL set up script:


The prompt will ask you for your current root password.

Type it in.

Enter current password for root (enter for none): 
OK, successfully used password, moving on...

Then the prompt will ask you if you want to change the root password. Go ahead and choose N and move on to the next steps.

It’s easiest just to say Yes to all the options. At the end, MySQL will reload and implement the new changes.

By default, a MySQL installation has an anonymous user, allowing anyone
to log into MySQL without having to have a user account created for
them.  This is intended only for testing, and to make the installation
go a bit smoother.  You should remove them before moving into a
production environment.

Remove anonymous users? [Y/n] y                                            
 ... Success!

Normally, root should only be allowed to connect from 'localhost'.  This
ensures that someone cannot guess at the root password from the network.

Disallow root login remotely? [Y/n] y
... Success!

By default, MySQL comes with a database named 'test' that anyone can
access.  This is also intended only for testing, and should be removed
before moving into a production environment.

Remove test database and access to it? [Y/n] y
 - Dropping test database...
 ... Success!
 - Removing privileges on test database...
 ... Success!

Reloading the privilege tables will ensure that all changes made so far
will take effect immediately.

Reload privilege tables now? [Y/n] y
 ... Success!

Cleaning up...

Once you’re done with that you can finish up by installing PHP on your virtual server.

Step Four—Install PHP

PHP is an open source web scripting language that is widely use to build dynamic webpages.

To install PHP, open terminal and type in this command. Note: If you are on a version earlier than Debian 7, include php5-suhosin as well.

 apt-get install php5 php-pear php5-mysql

After you answer yes to the prompt twice, PHP will install itself.

Finish up by restarting apache:

service apache2 restart

4. Buy and Configure your domain

Step One – Register to namecheap

Click here to register for an account on namecheap. Follow the sign up link on the top of the page.

Set Two – Register a domain name

Choose your domain name and write it in the search box and click Search.step 1

If your domain is available click on the cart logo to add it to your cart and click on “View Cart”step 2

I always keep the default option and click on Confirm Order and pay it. step 3

You are now the owner of the domain.

Step Three – Configure your domain name

Go to your dashboard and select Manage at the right of your domain.step 4

On the top, click on “Advance DNS”step 5

Select “Add New Record” and select a “A Record” in this first entry, and the second replace the www with “@” and add the IP address of your digital ocean server and click on the check.step 6

Your domain name now point on your server. It will take about 24h to be active on all ISP around the world.


5 . Configure and install WordPress on the VPS

Now that the web server is installed and the domain name is configured, it’s time to configure a WordPress blog.

Step One – Download WordPress

We can download WordPress straight from their website:


The next command will now download the zipped WordPress package straight to your user’s home directory:

tar -xzvf latest.tar.gz

Step Two – Create WordPress Database and User

After we unzip the WordPress files, they will be in a directory called “wordpress” in the home directory.

MySQL Directory For WordPress

We need to take a moment and create a new MySQL directory for WordPress. Go ahead and log into the MySQL Shell:

mysql -u root -p

*Now let’s make the database.

This tutorial will call its database wpdatabse for simplicity’s sake– feel free to give it whatever name you choose):

Query OK, 1 row affected (0.00 sec)

Then we need to create the new user. You can replace the database, name, and password, with whatever you prefer:

CREATE USER wpuser@localhost;
Query OK, 0 rows affected (0.00 sec)

Set the password for your new user:

SET PASSWORD FOR wpuser@localhost= PASSWORD("dbpassword");
Query OK, 0 rows affected (0.00 sec)

Finish up by granting all privileges to the new user. Without this command, the wordpress installer will not be able to start up:

wpuser@localhost IDENTIFIED BY 'dbpassword';
Query OK, 0 rows affected (0.00 sec)

Then refresh MySQL:

Query OK, 0 rows affected (0.00 sec)

Exit out of the MySQL shell:


Step Three – Setup the WordPress Configuration

The first step to is to copy the sample wordpress configuration file, located in the wordpress directory, into a new file which we will edit, thus creating a new usable wordpress config:

cp ~/wordpress/wp-config-sample.php ~/wordpress/wp-config.php

Then open the wordpress config:

sudo nano ~/wordpress/wp-config.php

Find the section that contains the field below and substitute in the correct name for your database, username, and password:

// ** MySQL settings - You can get this info from your web host ** //
/** The name of the database for WordPress */
define('DB_NAME', 'wpdatabase');

/** MySQL database username */
define('DB_USER', 'wpuser');

/** MySQL database password */
define('DB_PASSWORD', 'dbpassword');

Save and Exit.

Step Four – Copy the Files

We are almost done uploading WordPress to the virtual private server. The final move that remains is to transfer the unzipped WordPress files to the website’s root directory.

sudo rsync -avP ~/wordpress/ /var/www/

Finally we need to set the permissions on the installation. First, switch in to the web directory:

cd /var/www/

Give ownership of the directory to the Apache user. www-data is the Apache user. You are also going to add your personal user to the www-data group so you don’t lose access to the files. You should replace username with the username you created earlier, and which you should be logged in as right now.

sudo chown www-data:www-data /var/www/* -R 
sudo usermod -a -G www-data username

From here, WordPress has its own easy to follow installation form online.

However, the form does require a specific php module to run. If it is not yet installed on your server, download php-gd:

sudo apt-get install php5-gd

Step Five – Access the WordPress Installation

Once that is all done, the wordpress online installation page is up and waiting for you:

Access the page by adding /wp-admin/install.php to your site’s domain or IP address (eg. and fill out the short online form (it should look like this).

To see the WordPress site, we will need to rename the default Apache index.html page.

mv /var/www/index.html /var/www/index.html.orig

You can access the main site by visiting your domain or IP address. So this is how you host a WordPress on your VPS. If you have any question, don’t hesitate to write a comment or tweet me.

Warning : All the link Digital Ocean are reference. I get some free hosting for every user that spend 25$. Also, when you are using you get 10$ of free hosting.

How to host your blog on shared hosting

I am not using this method to host my blog, but I have more computer skill than most of the people. I recommended using this method if you want hosting a blog without any technical problem.  If you want to see the how I am hosting my site click here to see the post


Shared web hosting service refers to a web hosting service where many websites reside on one web server which is administer by the web hosting company. I recommend using Bluehost

1. Register to Bluehost

Click here to start registering with Bluehost to host your blog.

Click on the “get started now” green button to go at the plan selection.

step 1.1

Once you are on the plan selection section, you have three possibility. Since you are starting a blog, I recommend using the basic plan. Click on “Select” on the plan you want.step 1.2

Now you have to choose the domain name you want to use and click “next”.step 1.3

For the creation of your account, you have to enter your information.step 1.4

Now you have to select the plan lenght you want. I recommend 36 month since you will save on long term and a blog can take couple month to take off and this way you will not stop at the begining of your blog. But at the end you choose what you want.  Also, personnaly I will not take any of their option.step 1.5

Next step is to add your credit card information to pay your plan and click on  submit.step 1.6

2. Installing WordPress on your Bluehost hosting

Step 1 : This step is really easy. Go to your cPanel (you received the link in you email), scroll to the “MOJO Marketplace” section and choose the “One-Click Installs” button. Click on the WordPress icon in the Blogs section.


Step 2 : This will open the installation window. Click on the green “Start” button that will start the WordPress installation process.


Step 3: Choose where you want to install WordPress. This can be any domain on your account. Next, click on “Check Domain,” which will make sure the domain is assigned and pointing to your account. You may get a warning that you are overwriting files, but as long as you don’t have another website built yet, you can check the box and continue.


Step 4: Show Advanced Options. This section allows you to set up your own username and password for your WordPress install. IT is recommended to use a different username than “admin” and a very strong password. Make sure that the “Automatically create a new database for this installation” box is checked, unless you have a database already set up that you want to use.

Step 5: After you’ve read the terms and conditions, check the box indicating that you’ve done so, then click “Install Now.”


Step 6: Now you’ll see the progress page, which will show you how far along the installation is. Once WordPress is fully installed, it will provide you with your site URL, the admin login URL, your username, and password. You will get a copy of this information, except your password, in your email as well. Make sure to keep it in a safe place.


Now you can log into your WordPress site by going to the admin login URL. Enter your username and password, then click “Log In.” This will take you to your WordPress dashboard. From here, you can control everything to do with your WordPress site, such as creating pages, writing posts, and changing the appearance.


Have fun on your own blog 🙂


Warning : Links in this post are reference link so I get something when you are using it.