Large change in debt structureReduced debt cost to 2.5% via IBKR for most of investment leverage.Targeting a max borrow of 25% of total corporate portfolio value= $550K margin borrow max. Current balance is ~$400KHave paid out BMO fixed loan and the other LOC which had debt cost of 3.95%Effective interest savings = $6000/yearIncreased non margin capacity to:$175K personal LOC's$200K Opco LOC$30K HELOCThis allows some room for increased leverage in a down market. Current net long position ~ 110% - max is 125%Hugely volatile markets leading to a bad December with stock losses, but USD increased to 1.35 CAD which reduced lossesInitiated starter position in Apple |