$NOW Q3 2026 earnings. My initial thoughts: - Record revenue: $4.11B (+20.5% YoY) - Subscription revenue: $3.99B (+21%) - cRPO: $13.65B (+20.5%) - Total RPO: $29.7B (+22%) - Adjusted EPS: $1.00 (+4% YoY), missed estimates - 680 customers with over $5M in annual contract value (+23%) - 19 deals over $5M in net new ACV (+135%+ YoY) A few other highlights: - AI annual contract value target raised to $1.7B, implying roughly 180% growth from 2025 - Agentic AI production consumption up more than 13x YoY YTD - Q4 subscription revenue growth guidance of 22.5%–23% - Expanded OpenAI partnership, including ChatGPT and planned Codex integrations - Raised full-year subscription revenue and FCF margin guidance And yet, the stock is getting crushed, down around 18% after hours. I understand some of the disappointment. The stock had a strong run heading into earnings, and expectations were high. Adjusted EPS growing just 4% while missing estimates certainly doesn’t help. Neither does GAAP gross profit growing just 10% while net income fell 45%. Revenue costs jumped 56% YoY, partly due to higher acquisition-related amortization and other expenses. That’s putting pressure on profitability, and investors clearly aren’t overlooking it. But there’s also a lot to like here. AI adoption is accelerating, large enterprise customers continue growing, and the company is still delivering 20%+ revenue growth at this scale. I’m still very bullish on ServiceNow’s long-term opportunity. Not a perfect quarter by any means, but I believe the underlying business continues moving in the right direction. I’ll have a much deeper breakdown coming to Substack! read more
So ive been looking at cheap hobbies. For starters ive been going to the gym! best cheap hobby. Planet Fitness is 30$ for both my wife and I. You can bring a guess..... me, im the guess. so basically cut 30 in half. 15 a person, cheeeeeap. I also picked up some fish. My friends didnt want them any more so I inherited a tank. got some Tetra, a few Guppies and a Barb also a Clown Plecko but I think my boy is dead (he isnt he just never moves)...... Not as cheap as I thought. I got a few filters. A 3 step water chemical program and a little flake food. All together $100 for at least a few months. Having a few cheap hobbies is more fun for me then having 1 big one. One of these days I wanna have a big tank mabye breed some fish but untill then gotta prove to myself I wont kill everything I touch.....
One of the best parts about the Blossom community is how open everyone is sharing knowledge and experiences. To make things easier for anyone just starting their investing journey, here’s a simple glossary to help understand and simplify various terms. Common Terms: Dividend: A share of a company’s profits paid to shareholders, usually quarterly. Ex-Dividend Date: The cutoff date by which you must own a stock to receive its next dividend. ETF (Exchange-Traded Fund): A fund that holds multiple stocks or bonds, traded like a single stock. Covered Call ETF: An ETF that owns stocks and sells call options to generate extra income (higher yield, limited / capped upside). Earnings Report: A company’s quarterly financial performance summary. EPS (Earnings Per Share): A company’s profit divided by its number of shares. Market Cap: A company’s total value (share price × number of shares). ACB: The total amount you’ve paid for an investment, including the purchase price plus any fees or commissions. Book Value: The value of a company according to its financial statements (assets minus liabilities). Yield: Annual dividend as a percentage of the stock/ETF price. Liquidity: How easily an asset can be bought or sold without impacting its price. Volatility: The degree of price fluctuations in a stock or market. Index: A benchmark of stocks (e.g., S&P 500, Nasdaq, TSX). Bull Market: A period of rising stock prices and optimism. Bear Market: A period of declining stock prices and pessimism. False Breakout: When a stock’s price moves above (or below) a key level, making it look like a new trend is starting, but then quickly reverses back. P/E Ratio: Price-to-earnings ratio (stock price ÷ EPS), used to assess valuation. Blue Chip: Well-established, financially strong companies with a track record of stability. Diversification: Spreading investments across assets to reduce risk. Broker: A platform or firm that facilitates buying and selling investments. Limit Order: An order to buy/sell a stock at a specific price or better. Market Order: An order to buy/sell a stock immediately at the current market price. Bid/Ask Spread: The difference between the highest price buyers offer and the lowest price sellers accept. Dollar-Cost Averaging (DCA): Investing a fixed amount regularly to reduce the impact of market swings. Capital Gain/Loss: Profit or loss from selling an investment for more/less than its purchase price. IPO: When a company first sells shares to the public. Index Fund: A fund designed to mirror the performance of a market index. Short Selling: Selling borrowed shares, hoping to buy them back cheaper. Margin: Borrowing money from a broker to buy investments, which amplifies gains and losses. Margin Requirement: The minimum amount of your own money (equity) you must maintain in a margin account to open or keep a leveraged investment position. Margin Call: A demand from your broker to deposit more funds or sell assets because your account equity has fallen below the required margin level. Time Horizon: The length of time you plan to hold an investment before needing the money. Short horizons = more risk-sensitive, long horizons = more room to ride out volatility. Stock Split / Reverse Split: A split increases the number of shares (e.g., 2-for-1) while lowering the price per share. A reverse split reduces the number of shares (e.g., 1-for-10) while raising the price per share. Your overall value doesn’t change just the math. Long (Being Long): Buying a stock or asset because you expect the price to go up. Short (Being Short): Selling a stock you don’t own because you expect the price to go down, so you can buy it back cheaper later. TER: The total yearly cost of owning a fund, including the management fee plus other costs like administration, audits, and legal fees. MER: The annual cost that a fund charges for management (includes any leverage costs if used). Management Fee: A portion of the MER that goes directly to the fund managers for running the fund. Withholding Tax: A tax deducted on dividends/distributions from foreign investments (e.g., U.S. dividends to Canadian investors face a 15% withholding in TFSA/Non-Registered accounts). Total Returns: The full picture of an investment’s performance, including both price gains and dividends/distributions. CAGR: The average yearly growth of an investment over time. NAV: The price of one share of a fund (stock or etf) NAV Depreciation: When the fund’s share price goes down over time. Mutual Fund: A pool of money from many investors used to buy a mix of stocks, bonds, or other assets. Bond: A loan you give to a company or government, and they pay you back with interest. Asset: Anything valuable you own that can generate money. Portfolio: Your collection of investments. Option: A contract that gives you the right (but not the obligation) to buy or sell a stock at a set price. Future: A contract to buy or sell something at a set price on a future date. REIT: A company that owns real estate and pays investors income from rent. Alpha: A measure of how much better (or worse) an investment did compared to the market. Beta: A measure of how much an investment moves compared to the market. Sharpe Ratio: A way to see if returns are worth the risk taken. Hedging: Protecting your investments from risk. Rebalancing: Adjusting your portfolio back to your target mix of assets. FCF: Free Cash Flow Understanding these terms makes investing far less intimidating. If anyone feels other terms should be included, please share in the comments. I’ll update this post so we can build a complete beginner-friendly resource together! *Sorry tagged a few etfs for reach 🫣read more
Three things about $RDW most coverage misses: 1. The growth is mostly bought: revenue up ~90% last quarter, about 2–3% with both companies counted in both years. 2. Defence makes all the profit; space lost money and fell 18% in 2025. 3. Its open lane in orbit got crowded: a startup, Albedo, flew first. So is Redwire one company, or two businesses sharing a name? https://youtu.be/DR3X72Ftx0cread more
Microsoft reported tonight and did the thing Google couldn't. It beat, cleanly, on both lines. EPS came in at $4.89 against $4.72 expected. Revenue was $92.28B against $90.61B expected, and the stock is up about 3.5% after hours. In this market, that almost qualifies as a celebration. But here's the number that actually matters. Azure grew 48%. Remember the setup going in. Management guided 44 to 45%. Consensus sat around there too. The buy side whisper was 46% or better, and I said a print at guide could still sell off. Well, it printed 48%, above the guide, above consensus, above the whisper. That's how you clear a bar. You don't argue with it, you jump over it. Microsoft Cloud revenue hit $63.9B, up 31% in constant currency. Azure passed $100B in annual revenue last fiscal year, so this is a massive business still growing like a startup. That combination doesn't happen often. The other thing, and don't skip this part, is capex came in significantly lower than expected. That's the whole ballgame right now. Google spent $51.4B in its quarter and printed negative free cash flow, and the market punished it. Microsoft spent less than feared while growing Azure faster than feared. Growth up, spending discipline intact. That's the exact formula this market is rewarding, because it's the formula that answers the only question anyone is asking anymore: is the AI spend actually turning into money? Tonight, for Microsoft, the answer was yes. I hold Microsoft in my RRSP, so again, not a neutral observer. But I'll call it the same either way. This was the cleanest print of the night. Not financial advice. Just my read.read more
Outside of doing the podcast with Moe, I've just been chilling. The house I bought for $680k in March 2024 is a townhouse. The unit on the other side just sold for $890k. As it turns out, I was NOT late to the party. I'm looking forward to renewing my mortgage in March, hopefully bringing that monthly payment down. ;) I've been nerding out with GPT and Claude on a variety of interests. They can do a lot more than just produce slop these days. As for upcoming big expenses, I'm planning another cruise. Not sure where yet, but different members of my family have expressed interest in something centered around South America or South Africa. If you have suggestions, let's hear them!
Do you have a strategy to brave the volatility in a changing market? If you have been following me for some TIME, you know that we expected 2025–2026 to be the years of highest volatility. I don’t think you need me to provide any evidence of what is now a reality. These are difficult TIMES to navigate financial markets, which can be brutal and merciless. But the key is to adapt and survive as we use the real estate/banking crisis cycle as our survival roadmap. Just today,based on KTS #114 we had to lock-in profits and exit another position in a long TIME favorite holding.. This is a period when cycle ignorance and unconditional optimism can be your undoing. This is now a period when we must accept what the market is telling us and position ourselves for what comes next. No regrets! Onward we march! Are you ready for what’s next? If interested, we will again be reopening our membership……soon. 😉 I always give you my best! 🏆 This is the Way! 🏄🌊read more
Hey guys!!! I had an amazing time chatting with @humbledtrader & @bdinvesting on the retail rundown podcast. If you wanna hear us yap for an hour about the ups and downs of work, health, investing & life tune in! https://youtu.be/tNoNucq9Lsc
Here are 🚩3 big flags🚩that signal a company might not be a good investment, and I'll walk you through how to check for each one. (Free Stock Checklist at the end) --- 1️⃣ Declining Revenue or Earnings📉 🛑 Why it’s a red flag:A company with falling revenue or earnings may be losing market share, dealing rising costs, or the overall industry is shrinking. ✅ How to Check for This: A) Look at the Income Statement📊 - Find the company’s total revenue and net income in its latest financial report. Top-line & bottom-line, respectively. - Compare revenue and net income across multiple quarters/years. 3 years or 12 quarters is more than enough to indicate a trend - If both are consistently declining, it’s a warning sign. B) Check Earnings Reports🗂️ - Look at the company’s quarterly earnings reports to see if they’ve missed expectations multiple times. C) Compare to Competitors🔍 - Is the entire industry struggling, or just this company? 📚Website for financial reports: https://www.marketwatch.com/ --- 2️⃣ High Debt Levels 🛑 Why it’s a red flag:Companies with a capital structure heavily debt-reliant are more vulnerable in economic downturns and might struggle to repay obligations. ✅ How to Check for This: A) Find the Debt-to-Equity Ratio (D/E)📊 - Go to the company’s Balance Sheetin its latest report. - Find Total Debt and Total Equityand calculate: Debt-to-Equity Ratio = Total Debt ÷ Total Equity** - A D/E ratio above 2.0 (varies by industry) is usually risky. B) Check Interest Coverage Ratio🔍 - Look at the Income Statement for EBIT (Earnings Before Interest & Taxes). - Find Interest Expense and calculate:Interest Coverage Ratio = EBIT ÷ Interest Expense - If this ratio is below 1.5, the company may struggle to pay interest. 📚 Resources: https://www.investopedia.com/terms/d/debtratio.asp#:~:text=Key%20Takeaways&text=A%20company's%20debt%20ratio%20can,has%20more%20assets%20than%20debt --- 3️⃣ Poor Cash Flow 🛑 Why it’s a red flag:A company can be profitable on paper but still run out of cash to fund operations. ✅ How to Check for This: A) Find the Cash Flow Statement📜 - Look at Operating Cash FlowOCF). - If OCF is negative for multiple quarters, the company may be in trouble. B) Check Free Cash Flow (FCF)💰 - Free Cash Flow = Operating Cash Flow - Capital Expenditures - A company with negative FCF can’t reinvest in growth without taking on debt. 📚 Read more about Cash flow: https://www.investopedia.com/articles/stocks/07/easycashflow.asp ___________________________________________ Thanks for reading, I am open to engage in friendly conversations so I encourage you to leave a comment!💬 Access my free stock checklist at the link below⬇️ https://investingwithcole.gumroad.com/l/stockchecklist read more
For those who’ve been following my content for a while (A big thank you BTW)… I’d love to know what your favorite series was, maybe like top 2-3 favorites. You’d be helping me rationalize time spent one things that would give more value. 1) Unpacking the Buffet Letters 2) Why I Hold It 3) Hedge Fund Hunt 4) Hidden Gems of the Counter Cycle 5) Reading the Official Filings 6) Options Trading Unpacked 7) ETF deep dives 8) Blossom’s Most Bought (my humble beginnings 😅) Appreciate every one of you who would be kind enough to comment with their top 3 to help give me feedback. Thanks 🙏 read more
Stocks closed slightly higher after the Fed held rates steady, then the real story landed after the bell. Microsoft beat and jumped. Alphabet missed and fell. Same cloud race, opposite reactions. Here are 4 worth researching. 👇 📌 The Watchlist 1. Microsoft | $MSFT: Makes Windows, Office and the Azure cloud platform. It reported revenue of $92.28 billion, up 19% from a year earlier, with non-GAAP earnings of $4.89 per share above the roughly $4.71 expected, and Azure revenue of $33.17 billion, up 48%. Shares rose about 5% after hours. 2. Alphabet | $GOOGL: Owns Google Search, YouTube and Google Cloud. It reported revenue of $127.6 billion, up 25% from a year earlier but just below the roughly $127.9 billion expected, with earnings of $2.12 per share below the roughly $3.00 expected after an $8.7 billion net loss on equity securities. Google Cloud revenue jumped 103% to $30.7 billion, ahead of the roughly $29.1 billion expected, while capital spending reached $51.4 billion. Shares fell about 8% after hours. 3. T-Mobile | $TMUS: Runs a US wireless network and sells phone and broadband plans. It reported revenue of $23.58 billion and earnings of $3.22 per share, above the $2.91 expected, with net income of $3.46 billion and postpaid service revenue of $16.27 billion, up 9.3%. It added 274,000 postpaid net accounts in the quarter. 4. Chipotle | $CMG: Runs fast casual Mexican restaurants across the US. It reported earnings of $0.27 per share, missing the $0.29 expected, on revenue of $3.29 billion, in line with expectations and up 9.7% from a year earlier. 📌 The Part Worth Saving A split earnings night is a reason to research a stock. It is not a reason to buy blindly. Look for: • Whether cloud growth kept pace with AI spending • Whether a miss came from the core business or a one time item • Whether guidance moved with the result, not just the quarter • Whether the stock move matched the result or just the expectations around it The best question: with Amazon reporting after the bell tomorrow and GDP and PCE due before the open, which of tonight's numbers tells you more about AI spending, the cloud growth or the capital spending? Education only, not financial advice.read more
These aren’t rules, facts or anything definitive; just some of the many opinions I’ve built over nearly 30yrs of stock investing. Take em' or leave em', it's all good to me because they're accurate. 🤷♂️ Here goes, in no particular order. Far too many investors… … have a gambling mentality when it comes to investing. ... focus on where a stock once traded to determine 'fair value’. ... think their pain threshold for unrealized losses is far higher than reality. ... risk far too much for a potentially very small win. ... create a lot of bad habits during bull markets. ... fail to acknowledge mistakes, so they fail to learn from them. ... under-estimate how can be lost going all-in on high or no P/E growth. ... rely on 'wishful thinking' over an actual 'investment thesis'. ... ignore anything negative about their stocks due to confirmation bias. ... will jump into day trading and/or margin usage at worst possible times. ... make blindly 'buying the dip' they're primary investing strategy. ... consider bullish "what-ifs" , while ignoring bearish "what-ifs". … equate every bit of news as a catalyst, while it's just ‘business as usual’. .*. spend too much time on small positions & not enough on large positions. .*. fall prey to "how much lower can it go" thinking, and later learn A LOT! ... underestimate 'company specific risk' and invest too much in one stock. ... worry about how they rank against others instead of focusing on self. … don’t understand what ‘the market is forward looking’ truly means. ... fail to factor 'we don't know what we don't know' in investment thesis. ... confuse getting lucky with having a sound investment thesis. ... will eventually get kicked in the throat by an unexpected margin call. .*. own too many individual stocks complicating things for no reason. … don’t spend enough time trying to break their bullish investment thesis. … scream "manipulation", when wrong about their favorite stock. ... spend too much time on social media telling others their stocks are best. ... think 'time in the market' guarantees profits, which isn't true for stocks. ... fall for recency bias when projecting future returns. … think they know more about a stock/company, than they actually do. ... sell their winners early and hold their losers indefinitely. ... willingly pay high expenses on ETFs that don't deliver. .*. happily DCA to lower cost basis, but won't do it to raise cost basis. ... turn a blind eye to dilution from rampant share issuance. ... ignore importance of long-term diversification. ... assume any ETF or mutual fund is safer than a stock. .*. get caught up believing the hype of a highly speculative stock. ... don't bother researching balance sheet & other key metrics.. ... under-estimate what's needed to retire 'comfortably', incl. fire/coast fire. .*. over-estimate what's needed to retire 'comfortably' (opposite of above). ... are far too quick to give advice while being ill-equipped to do so. ... over-estimate their true returns by failing to offset deposits. ... get cocky during bear markets & ultimately lose years of gains because of it. I think I've shared something similar to this in the past, so if I'm being honest, not really sure why I'm sharing... As with most of my posts, it's likely driven by what I'm seeing in my Blossom feed. And full disclosure, I've been guilty of a few of these (.*.) myself. Maybe you're guilty of some too. ** Wanted or not, I'll add to this list as more come to mind. **read more
After months of waiting and actively avoiding the spoilers, leaked drafts and funding round headlines. This morning they finally filed the S-1 and it’s set to go live on SEC EDGAR today! If you’ve been following for a while you know that means I'm clearing my calendar to read it tonight and you guys will be getting a pretty detailed deep dive of everything inside the filings by tomorrow. 🙌🙌😅😅 If you’re interested in the company or IPO I can promise you this deep dive will be your go to reference for all things Anthropic and you can check the SPCX IPO deep dive on my profile for reference. The juicy stuff is usually sitting in the footnotes and the risk factors that no one covers in the news… this is a sample of what I usually go after in these IPOs: - Cash flow statement before the income statement, how they are funding losses? - Compute commitments: how much is noncancellable, and who it's owed to (that can give us a lot of visibility on other companies benefiting) - Customer concentration and risks - Share classes, float size, lockup mechanics If you aren’t following me yet, I would invite you to do so to keep track when this epic Anthropic IPO deep dive is released tomorrow.read more
A quiet close after a big central-bank day. The $SPX rose about 0.2% to near 7,740, the $COMP ended essentially flat near 26,482, and the $DJIA gained about 0.3%. Canada's $TSX rose about 0.3% to near 36,265. The Fed held rates at 3.75% to 4%, with two officials dissenting in favour of a hike, while the Bank of Canada raised its rate to 2.5%, its first hike since 2023. Chip stocks led after $SKHY's record profit, and $NBIS jumped about 7% to near $182. Tomorrow, watch the market's reaction to $MSFT and $GOOGL results, with $MSFT beating expectations after the close. Not financial advice.
📊 Chips rallied for a second day and oil slid as the Fed began its two-day meeting. The Nasdaq gained 1.18% to 26,477.81, the S&P 500 rose 0.6%, the Dow added 0.03% and Canada’s S&P/TSX Composite climbed 0.63%. 📡 Broadcom ($AVGO) climbed 4% after Bank of America, Citi, Morgan Stanley and Blackstone announced $63 billion in financing for Anthropic’s purchase of Broadcom technology. Micron ($MU) rose almost 3% and AMD ($AMD) gained 5%. 🔌 Celestica ($CLS) jumped 10% to lead the TSX after reporting adjusted earnings of $3.30 per share against the $2.99 expected, with revenue of $5.83 billion topping $5.48 billion and up 82.5%. The Toronto company raised its 2026 outlook to $21 billion in revenue and $11.55 in adjusted EPS. ✈️ JetBlue ($JBLU) jumped 19%, reversing Monday’s collapse, despite posting a larger than expected third quarter loss. The airline said it expects further margin expansion in the fourth quarter. 💸 SoFi ($SOFI) surged 13.42% to $16.40 on a beat across the board, with adjusted EBITDA more than $40 million ahead of estimates. The fintech raised full year guidance on every metric and gave 2027 forecasts above the Street. 🛢️ Oil fell after Iranian Supreme Leader Mojtaba Khamenei and security chief Mohsen Rezaei discussed conditions for ending the conflict. WTI settled down 1.83% at $99.90 and Brent shed 1.67% to $113.88. The Bank of Canada and the Fed both decide Wednesday, with markets pricing a 78% chance of a Canadian quarter-point hike. 👨🏻💻 Researched and written daily by @timeminoread more
What’s the most important thing you look for when researching a stock and finding a winner? What are the things that a stock must have in order for you to own it? Let me know below, i’m super curious!
📊 Anthropic’s IPO filing revived the AI trade and lifted chips. The Nasdaq jumped 0.82% to 26,169.38, the S&P 500 gained 0.7%, the Dow added 0.28% and Canada’s S&P/TSX Composite rose 0.44%. 🧠 Anthropic filed publicly for an IPO, reporting $16.29 billion in revenue for the six months ended June, up 1,304% from $1.16 billion a year earlier. It plans to list on the Nasdaq under ticker ANT. Semiconductors rallied on the news, with the iShares Semiconductor ETF ($SOXX) up nearly 3% and Nvidia ($NVDA) climbing 2.4%. ✈️ JetBlue ($JBLU) tumbled 12% after a Wall Street Journal report that senior creditors are working with a restructuring advisor. Its 14-day RSI hit 13.3, the lowest reading on record, and the stock is down roughly 50% this year. 🛒 Instacart ($CART) surged 7.87% on a Journal report that DoorDash ($DASH) is in acquisition talks and a deal could close this week. DoorDash slid 5%. 🍁 The TSX closed higher as gold gained and oil retreated, with Canadian banks leading. The Bank of Canada decides on rates Wednesday, and the loonie steadied after a seven-day rally. 🛢️ Brent fell 0.8% to settle at $115.81 and WTI slid 1.7% to $101.57. The U.S. Strategic Petroleum Reserve sits at 282.6 million barrels, its lowest since 1982, as the government draws down stocks to offset Middle East disruption. 👨🏻💻 Researched and written daily by @timeminoread more
2026 has been an exhausting year for growth investors. Look at the $QQQ drawdowns this year: March: -13.29% June: -8.28% July/August: -11.72% October: -8.13% so far Notice a pattern? Almost every selloff has been driven by the same concerns. Expensive valuations, massive AI CAPEX spending, iran war ,inflation, interest rates and financing costs. Different headlines, same fears. What's frustrating is that many companies continue to report strong earnings and growth, yet their stocks keep getting punished. The fundamentals can improve while valuations compress. That's been the story of 2026. As investors remember this is the long game. Theres always a smart reason to sell, but stocks tend to go higher even with bad news. Buy the dip & HOLDread more
18.97% annualized return since inception. A 10%+ yield. Amazing... It even beat the TSX 60, it’s benchmark!!! 🤯 So why did my analysis find that $HDIV UNDERPERFORMED a more comparable benchmark by 1.9% PER YEAR? That’s because HDIV isn’t really comparable to an unleveraged TSX 60 total return index. It has 1.25X leverage, significant concentration, much more tech exposure, US exposure, and a completely different portfolio construction.... And once I accounted for that, the “KING” narrative got a lot more complicated and well... you’ll see. I went under the hood on EVERYTHING is could in less than 20 minutes, from the 1.75% current cost, covered calls, leverage, distributions, ROC, total number of underlying stocks (and even the effective number of stocks), risk, drawdowns, and all the changes HDIV has made since launch (you will be SHOCKED by that one)! I also tried to answer as many of your HDIV questions as possible…. If I missed YOUR question, put it in the comments of the YouTube video pretty please. I’ll answer it there so everyone can benefit from the answer. Here it is!!! https://youtu.be/AWVSiutDV_M read more
Yesterday - after a lot of research - I decided to do something radical. I bought more Yieldmax $MSTY . Over the past 1.5 years most have abandoned MSTY - a posterchild Ultra-Yielding NAV ERODER. BUT... has it really? Did most get MSTY all wrong? For all you DCA'ing $MSTE - have you been DCAing on the wrong $MSTR CC ETF? (Check out my pinned comment below comparing MSTY vs MSTE) https://youtu.be/344xY-5QyiY?si=7hXie7qjHEcFCV-I
What should investors know before buying covered-call ETFs? Is a high distribution yield really passive income, and how do you know if your investments are actually growing your wealth? In this episode of Moementum Finance, I'm joined by Zayla Saunders, Vice President of Online Distribution at BMO ETFs, to talk about her personal money journey, investing philosophy, and what she's learned from helping Canadians become more confident investors. Zayla shares how money wasn't openly discussed in her household growing up, how she went from financial planning and mutual funds to believing in broad-market index investing, and how reading "A Random Walk Down Wall Street" book helped change her perspective. We also discuss why she favours low-cost index ETFs, the importance of paying yourself first, and how keeping investing simple can help you build wealth over the long term. We dive into the growing popularity of covered-call ETFs and income investing, including the difference between distributions and total returns, return of capital, and why NAV erosion is real. Zayla also explains her work at BMO ETFs, how the team supports self-directed investors, and why understanding what's under the hood matters before buying an ETF. We also discuss ETF overlap, common investing mistakes, market timing, BMO's T-Series ETFs, and how Zayla approaches her own portfolio. She shares her perspective on financial independence, explaining why she values financial autonomy and the freedom to make your own choices. Plus, we talk about spotting red flags in online financial content, building better investing habits, and why you can still enjoy your money while working toward your financial goals. 💬 We'd love to hear from you: If you could go back and give your younger self one piece of money or investing advice, what would it be? Let me know in the comments! https://www.youtube.com/watch?v=hiUF2bQvs1Yread more
I am currently 47 years old. Unfortunately in that time frame I have lost a lot of family members. Some (most) were accidents, some to age, some to cancer, and one to suicide. That’s 11 deaths total. Only 1 person out of 11 had a will. When you are grieving the last thing you want to do is close an estate up. It’s even harder if nothing has been prepared in advance. After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight. I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life. I’ve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If you’re retired it’s not worth it. 2. Make sure you have a will. 3. Make sure you have a personal directive. 4. Make sure you have a power of attorney set up. 5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation. 6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate. 7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death. 8. Buy a file folding system. I have a plastic one that has a clasp and handle. 9. Put EVERYTHING in this file folder that would be needed if you died tomorrow. a) all land titles B) information on house insurance so it can either be eventually canceled or name changed over. C) your will (or the location of your will), power of attorney, and personal directive D) the information for your car, car insurance, and registration on vehicles. E) information on life insurance. F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information. G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them. H) their credit card information where to contact to cancel the cards I) birth certificate, SIN numbers, marriage, license, etc. J) information on all your investments accounts, bank accounts, etc. K) anything else you can think of for your situation If you’re married, I’d have one box per person. When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will. These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate. I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder. At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date. If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will. Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into. Good luck Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more
We're celebrating Episode 25 of Financial KarMoe and Moe's birthday 🎂 (not 25! lol)! 🥳🎈 This episode, @karyungtom and Moe discuss common investing mistakes, covered call ETFs vs. broad-market investing, and why a high distribution doesn't necessarily mean higher returns (Shoutout to @scottsinvesting, @saini, @ian_s whose posts we reviewed). We also answer @griff79's question from Blossom about funding your TFSA for 2027, explore value investing during inflation, and debate whether long-term investors should actually hope for a market crash. To wrap things up, we get personal with birthday freebies, frugality, and Canada's tipping culture. Is it getting out of hand, especially when picking up takeout or a coffee? 😅 💬 What do you think? Has tipping culture in Canada gone too far? Let us know! https://www.youtube.com/watch?v=yBthz2Wmr2o
I'm working on an ETF deep dive into $HDIV, one of the most requested ETFs. I want to know what YOU actually want answered.... not just the advertised yield or how much it pays every month. I want to dig into the numbers and the questions that matter to YOU. How sustainable are the distributions? How much comes from return of capital? What are the underlying holdings actually doing? How does the leverage affect risk? Is HDIV delivering enough total return to justify its costs and complexity? Those are just a few starting points and examples.... What are the HARD questions you want me to answer? And as always, this is open to all, whether you're a holder, thinking of buying it ... or skeptical of the whole covered call strategy. I'd love to hear what you want to know and then i'll do my very best to separate the marketing from the data. Ps. The tougher the questions, the better 😏
Just arrived home from a quick trip to London - it was my first time visiting. What a cool city. Full of friendly people. And so much character! Found it super interesting to learn that there’s still very much a ‘saving’ mentality in the UK. But that seems to be changing. Shoutout to Max for delivering an incredible speech (as usual) about Blossom. He presented our platform and mission in a great way and it was very well received by the Brits!
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