Got paid today after working another 45 overtime hours over the past 2 weeks. Transferred $1,000 to my non-reg and added another $500 to my non-reg PLOC $XEQT position. The goal is 2,000 $XEQT shares by the end of the year. Currently have 1889! I have an-person personal finance meetup group. We meet every month. See the link in my bio to join and be informed of our next get together! 😀
As I'm sure many of you know, Blossom added a new AI detector. I wanted to share some of my thoughts on AI and how I use it to help me create my Blossom posts and other content. If you haven't noticed already, the vast majority of my posts are written using AI. If that bothers you, no worries, you don't need to read my content. Here's how I use AI to help me create my posts: When I find a topic in my QAFP studies or have an idea I think is worth sharing, I talk through it into Wispr Flow for a few minutes. It always starts with an idea or an opinion that I have, and then I talk through that opinion or the new concept that I just learned. After that, I usually get an LLM to make my thoughts more understandable and clear while still trying to preserve all of the ideas and opinions that I have. I have no issue using AI this way because the topic, perspective and responsibility are still mine. It helps me turn a few minutes of rambling into something easier to read. I do see an issue with a large number of AI posts on Blossom and other social media platforms. For example, whenever I see em dashes and glaring AI-isms, I automatically discount the content that I read in those posts. The posts I discount are the ones where it feels like the person contributed almost nothing. The repeated phrases and perfectly balanced sentences are easy to spot, but the bigger problem is that the person did not bring a point of view of their own. AI can make a weak idea sound polished without making it worth reading. I am responsible for every claim I publish, whether AI helped arrange the words or not, and that responsibility matters far more to me than a detector score. How do you feel about AI-assisted posts?read more
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
Friendly reminder that Nvidia put billions into $LITE, $MRVL & $IREN $NVDA is definitely putting their money where their mouth and said that they will invest more. Do your research
Today’s Buys: $WDC: 2 shares - $404.50 $HWM: 6 shares - $224.50 $HWM: 2 shares - $222.45 $APLD: 10 shares: - $23.98 $XNDU: 50 shares - $4.54 $IBM: 4 shares - $218.9975 Stacked more on swings but added more to my ibm long term position Still yet to sell anything this week but liking $HWM, $CBRS, $WDC & $XNDU as my main swings Monthly Profit: $2,624.84 (28.80%) read more
I have been thinking about how to make this easy and actionable for anyone interested to learn about options trading and I thought there is no better way to start than by demonstrating what an option would look like if written out like a real contract between two people. In the following posts of this series I’ll cover the more technical stuff in detail, but for now I’ll keep this post fun, simple and without too much jargon… Strip it down and an option is basically a deal between a buyer (buying a right) and a seller (selling an obligation). So let's write a hypothetical options contract out. Take your time to read it, because all the terms you’ll need are sitting inside the contract. (strike, premium, expiration, underlying) ———— Draft CALL Contract Theoretical (this is just for illustrative purposes to help you understand the concept): I, Moe the buyer of this call option contract, reserve the right, but not the obligation to buy 100 shares of ABCD (underlying) for $50 per share (Strike Price) valid until 21st January 2027. In exchange for this right I agree to pay a premium of $1.50 per share. I, Mr. Market the seller of this option contract am obligated to sell 100 shares of ABCD for a set price of $50 until 21st January 2027 if the buyer chooses to execute the terms of this contract. For this I will receive $1.50 per share in premium. End of contract. ———— Now some quick context and basics to help land this for you guys: 1. We have two types of options contracts CALLS (option to buy when price goes up) and PUTS (option to sell when a price goes down) 2. All options contracts for stocks and ETFs are for 100 shares (you don’t pay price of share you only pay for the premium per share in the example above that would be 100*$1.5 to own the right to purchase the stock at $50) 3. Every contract has a strike price at which the buyer can exercise the contract to buy or sell the shares 4. Every contract has an expiration date after which if the holder doesn’t exercise it expires worthless and the seller keeps the premium. This is post one in a six post series, feel free to drop questions or feedback in the comments below and I’ll answer everything. Hope this was easy to follow for anyone looking to explore options and there is a real option contract example in the image attached.read more
hey guys I want to have a savings account for my emergency funds on wealth simple. what is the best to use to gain a little money on it as well over time. might use the money next month might use it in 3 years who knows lol any help would be appreciated.
For context: $ZETA represents 17% of my portfolio at a $16.56 cost basis, up ~100%, and I haven't sold a single share. Tomorrow I'm publishing my complete $ZETA investment case, and here's a preview of what's inside: - Why ROAS sits at the center of the entire pitch - The data moat no competitor can replicate - Athena plus the OpenAI, Palantir, Snowflake, and AWS partnerships - My DCF and bear/base/bull scenarios running to 2031 I think $ZETA emains undervalued at $32.63, and this is a 3-5 year compounder rather than a 3-5 week trade, so stay tuned. It drops on my Substack tomorrow, subscribe so you don't miss it 👇 https://substack.com/@summitcapitalcoread more
As many of you know I am a big $NVDA fan. It is currently my largest position, and it has likely been one of my best performing investments (if not the absolute best) over the last few years. I last made a post about $NVDA in May of this year. I called Nvidia the gift that keeps on giving!🎁. And this is so true…. https://link.blossomsocial.com/7uYa/hhuj224k I first started purchasing $NVDA shares in Dec 2023, shortly after I opened up my new self-directed Questrade account, which is the account that is linked to Blossom. My first purchase of $NVDA was on Dec 4, 2023. I purchased 70 shares of $NVDA at $455.45. This is pre-split. This works out to a post split purchase of 700 shares at $45.55 per share. In retrospect that seems like a bargain, and I wish I would have purchased more shares of $NVDA at that price back then!😂😂 Anyways, right around that time, $NVDA shares started to pump up significantly. Within a few weeks the price of $NVDA shares went up to over $500, and then $600 and then over $700 per share (all pre-split) by mid Feb 2024. All this time, I was purchasing a significant number of $NVDA shares.👍 Around that time, one of my close friends told me that I should be careful ‼️⛔️☢️, and that at $700 per share (pre-split), that $NVDA was TOO expensive, and that I should NOT buy any more! Luckily, I did NOT listen to my friend, and I continued to INCREASE my position in $NVDA.👍😂 Between Dec 4, 2023 and July 30, 2024, I purchased Nvida shares 32 different times! I sold Nvdia shares on 3 occasions over this same time frame. $NVDA was doing so well around that time, that they did a 10 for 1 stock split on June 20, 2024.📈. My total $NVDA shares by July 30, 2024 sat at 5,595 shares!💰🚀🌖 $NVDA was trading for around $177 at that time, post split. $NVDA recently hit an all-time intra-day high just yesterday (Oct 5, 2026) of $243.37.🔥 I took this screenshot on Blossom today, when $NVDA was sitting at $241.48 (Pic 1).🧨 My $NVDA position is sitting at $1,614,457 CAD (Pic 2).👍 Gains of $1,101,302 or 214.61%. Dividends of $3,731 or 0.73%. Total unrealized return of $1,105,033 or 215.34% (Pic 3). A three bagger!👍💰🚀 I have also sold shares of $NVDA in the past, and my realized gains on $NVDA shares sold are $248,652 according to Snowball Analytics (Pic 4).💰💵 So, the total of unrealized and realized gains for my $NVDA investment is: $1,105,033 + $248,652 = $1,353,685. My total position in $NVDA including current position plus the realized gains on Nvidia shares sold in the past are $1,614,457 + $248,625 = $1,863,109. Close to $2M CAD in one stock!👍😂 $NVDA currently trades at a forward PE of around 22.88 to 24.88 according to Yahoo Finance. This is actually near the LOWER END of Nvidia’s range over the last several years. Nvida’s forward PE ratio sat at 30.12 in 2024 and 32.25 in 2025. And one could compare Nvidia’s forward PE ratio to the forward PE ratio of $AMD for example, which sits at between 39.5 to 58.9. In otherwards, $AMD trades at about 2x the forward PE of $NVDA. One could argue that $NVDA is cheap (or that $AMD is expensive)!🤷♂️😂 Besides the lower forward PE, some of the other factors that $NVDA has going for it are its massive earnings power, based on massive growth outlook, revenue expansion and very high gross margins. Plus, huge corporate stock buybacks. $NVDA has recently announced an additional $150 billion buyback program, which is added to the previously announced buybacks of $80 billion. The total buyback program size currently sits at $235 billion. The buyback program runs through Jan 2028. This massive stock buyback program should be a significant tailwind for $NVDA. So, getting back to my initial question. Is $NVDA still currently undervalued? Is $NVDA over valued? Or is $NVDA fairly valued? What do you think? It will be interesting to see what happens with $NVDA over the next few months and next few years! I know that I will be very interested. Plus, I have a vested interest!🤔😂😂 read more
David Tepper just closed 12 positions and sold 13% of his portfolio last quarter — yet its value still jumped by almost 26%. He's walking away from names he's held for years, while quietly building one of his biggest positions ever in a stock trading at an all-time high. One number in his 13F filing hints at exactly where he thinks this market is headed next. We break down every position he closed, what he bought instead, and the pattern connecting his biggest moves — power, chips, and AI infrastructure. https://youtu.be/INoKSLDfIzA&list=ENt2im8wpDYnZT1k2ANgkU3CFsuVE2AaCp
📈 THE BD INVESTING ANNUAL SUMMIT — OCTOBER 24 ( IN 2 WEEKS) We’re bringing the BD Investing community together LIVE in Toronto for 5 hours of investing education, market discussion, networking, food & more! 📍 Toronto 🗓️ Saturday, October 24 ⏰ 4–9 PM EST | Doors open 3:40 PM 🅿️ FREE Parking 🎤 SPEAKER LINEUP - Panels (fireside chats) Bilaal Dhalech — BD Investing AI Infrastructure • Is AI a Bubble? • BD Portfolio deepdive • 2027 Market Outlook & Predictions • Hot Sector Themes • The Road from $0 → $1M Azia Mery @aziamery & BD Financial Wellness for Beginners • Building Your First Portfolio • ETFs • Investing Do’s & Don’ts Shraddha Shah & Nathalie Valenzula Investing 101 • Dividends • Long-Term Wealth Building • Options trading 101 • Market Psychology & Controlling Emotions Adrian Bar — Canadian in a T-Shirt x BD @canadiantshirt Fireside Chat with BD • Current Investing Landscape • Taxes 🇨🇦 • Market Trends • Personal Investing Journeys • LIVE Q&A 🎟️ YOUR TICKET INCLUDES 🍽️ Free food & beverages 👕 BD Investing T-Shirt 🎁 Exclusive swag (Blossom , BMO , Wealthsimple) 🤝 Networking with investors & the BD community 🔥 FEW TICKETS LEFT — grab yours before we sell out! GET YOUR TICKETS — https://www.eventbrite.ca/e/bd-investing-annual-summit-tickets-1998125442988read more
Here are my top 9 most favorite books on the topics of money, investing, and the psychology related to it. 🙂 I have also shared my short takeaways from each of these books: ✅ Reboot Your Portfolio (Dan Bortolotti): By simply "owning the market" through globally diversified index funds, you will almost certainly enjoy better performance than the vast majority of investors who buy actively managed funds or try to pick their own stocks. Over the long term, index funds offer the highest probability of achieving your investment goals. ✅ Atomic Habits (James Clear): If you can get 1% better each day for one year, you’ll end up thirty-seven times better by the time you’re done. Focus on making tiny adjustments to your behavior, as small changes lead to lasting improvements. ✅ Die with Zero (Bill Perkins): Maximize meaningful and memorable experiences in your lifetime when you are healthy and have the capacity to do so. Invest in experiences that yield long-lasting memories and pay you regular "memory dividends". ✅ The Simple Path to Wealth (JL Collins): Build a financial cushion (F-You Money) to give you a choice, and invest through low cost, broad-market, diversified index funds. ✅ Rich Dad, Poor Dad (Robert Kiyosaki): Use your money to acquire assets instead of liabilities. ✅ Choose FI (Chris Mamula, Brad Barrett, Jonathan Mendonsa): Achieving Financial Independence requires a plan, much like building a house, but it is not a one-size-fits-all approach and you can tailor it based on your own journey. ✅ Quit Like A Millionaire (Kristy Shen, Bryce Leung, JL Collins): Spend your money on experiences that last a lifetime that on material stuff and consumer debt. ✅ The Psychology of Money (Morgan Housel): Managing your emotional impulses and learning how to behave in face of challenging money decisions, play a crucial role in your financial success. ✅ I will teach you to be rich (Ramit Sethi): Develop a "Conscious Spending Plan" that aligns with your values and financial goals. 📚 Learn More: https://youtu.be/KIXOYvKgtnw ➡️ What are your favorite money/investing/self-development book recommendations?read more
⚠️ Warning: This post was vetted through AI. You may want to look away now. 😂 After experiencing the uninformed and unwelcome opinions of people shaming the use of AI, and, even more frustratingly, misrepresenting my financial situation, I decided to reread The Subtle Art of Not Giving a Fck*. It reminded me of something I already knew: Not every opinion deserves my attention. Fundamentally, I don’t participate in negativity, harassment or hate. I don’t need to convince everyone that my choices are right, and I certainly don’t need the approval of people who have decided they know my financial situation better than I do. But I did feel that the developing culture of AI shaming deserved my attention, not because I want to argue with the naysayers, but because I think there’s an opportunity to have a more positive, productive and inclusive conversation about it. I genuinely enjoy sharing my financial growth, milestones, lessons and journey here on Blossom. It’s one of the fun parts of this app for me. I’m excited about what I’m building, and I enjoy sharing the process with people who are interested in learning, growing and having conversations about money. And just to be clear: I don’t use AI because I’m illiterate, incapable or unintelligent. I was a professor in a dental department at a post-secondary institution. I know how to think, research, question information and form my own conclusions. Using AI doesn’t equal incompetence. It’s a tool. A tool that helps me organize my thoughts, be more productive, communicate ideas and accomplish my goals. And I actually think there’s something beautiful about that. Technology can make participation more accessible. It can help someone find the words they struggle to find, organize thoughts that feel overwhelming, communicate in a language they’re still learning, or simply make it possible to participate when life is busy. That feels more inclusive to me, not less. Of course, AI isn’t perfect. It can be wrong. It can misunderstand context. It can produce information that needs to be checked. That’s why I believe in using it responsibly: question it, fact-check it, protect your privacy and ultimately take responsibility for what you choose to publish. That isn’t giving up your intelligence. That’s using your intelligence to use a tool well. AI is here. It’s ubiquitous. And honestly, it has barely begun. We don’t shame calculators because people used to do long division. We don’t shame spreadsheets because people once balanced books by hand. So why are we suddenly treating the use of a new tool as a character flaw? Telling someone to stop using AI because it’s “not real” is about as logical as trading your laptop for a pen and paper, your smartphone for a corded home phone, and your GPS for a paper map. Technology changes. We adapt. And perhaps the most important part of all of this: The people who have reached out privately, with thoughtful messages, encouragement, curiosity and kindness, far outweigh the toxic noise. Those are the people I choose to give my energy to. AI isn’t going away. Neither am I. And I’m not going to spend my time arguing with people who are determined to misunderstand me. I’d rather keep learning, keep questioning, keep investing and keep moving forward. You don’t have to use AI. You don’t have to like AI. But you also don’t get to decide what tools someone else is allowed to use to build their life. And yes…AI helped me write this. 😉 I’m okay with that.read more
Stocks fell Wednesday after Tuesday's record run. The S&P 500 dropped 0.3% to 7,794, the Nasdaq lost 0.5% to 27,476, and the Dow shed 0.7% to 51,146. The 10-year Treasury yield hit 5.35%, its highest since 2002, while Brent crude rose above $102. The TSX fell over 1% to below 35,500. Notable: Webull ($BULL) plunged about 20% on a House report flagging China links, while Nebius ($NBIS) fell about 5% to near $237. Amazon ($AMZN) bucked the trend, up about 2% to $259. One to watch: Thursday's jobless claims, plus where oil goes next. Not financial advice.
𝗪𝗲 𝗿𝗲𝗺𝗼𝘃𝗲𝗱 𝘁𝗵𝗲 𝗳𝘂𝗻𝗱 𝗶𝗻𝘀𝗶𝗱𝗲 𝘁𝗵𝗲 𝗳𝘂𝗻𝗱. Until this week, $TDAQ held its stocks through another ETF, and that fund's expenses sat on top of ours. Now TDAQ holds its stocks directly. 𝗧𝗗𝗔𝗤'𝘀 𝘁𝗼𝘁𝗮𝗹 𝗮𝗻𝗻𝘂𝗮𝗹 𝗳𝘂𝗻𝗱 𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀: 𝟬.𝟴𝟯% → 𝟬.𝟲𝟴% Our 0.68% management fee is unchanged. The 0.15% in acquired fund fees is gone. 𝗪𝗵𝗮𝘁 𝘀𝘁𝗮𝘆𝘀 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲: ✓ Same ticker ✓ Same daily covered-call strategy ✓ Same distribution schedule Shareholders don't need to do anything. See TDAQ's updated fee table and holdings → tappalphafunds.com/etfs/tdaq read more
One of the biggest mistakes I made when I started investing was assuming: Great company = great investment. It sounds logical. If a company is growing fast, has an amazing product, and is dominating its industry… why wouldn’t you want to own it? Because there’s one problem: Everyone else might already know that. Imagine a company earns $1B a year. Investors get extremely excited about its future and push the company to a $100B valuation. You’re now paying 100x its current earnings. For that investment to work out, being a great company might not be enough. It has to become an even better company than the market already expects. That’s the part I think gets overlooked. The stock market doesn’t just price businesses. It prices expectations. Take a company like $NVDA. You can believe AI will continue exploding. You can believe Nvidia has an incredible business. You can believe it will make significantly more money five years from now. And STILL have another question to answer: How much of that future am I already paying for today? The reverse can happen too. A boring company growing slowly can potentially be a great investment if the market expects almost nothing from it and you buy it cheaply enough. That’s why I’ve started separating two questions: 1. Is this a great company? and 2. Is this a great investment at THIS price? They’re not the same question. You don’t make money because a company is good. You make money when the business ultimately performs better than what was already priced into the stock. That’s also why a stock dropping doesn’t automatically mean the company got worse. And a stock ripping doesn’t automatically mean the company got better. Sometimes the only thing that changed was the price you’re being asked to pay for the same business. So whenever I find a company I absolutely love, I try to ask myself one more question: “What does this company have to achieve for today’s price to make sense?” Because sometimes the best company in the world can still be a terrible investment… at the wrong price.read more
Energy Stocks could very well be the next big winners of this AI run📈 Here are 5 energy stocks you need to watch going into 2027👇 1. Vistra Energy $VST 2. Constellation Energy $CEG 3. Bloom Energy $BE 4. Centrus Energy $LEU 5. Eos Energy $EOSEread more
This is the complete investment case behind my largest-conviction hold ($ZETA): 17% of my portfolio, $16.56 cost basis, up ~100%, and zero shares sold. Inside the report, you'll find - Why ROAS sits at the center of the entire pitch - The data moat that takes decades to replicate - Athena plus the OpenAI, Palantir, Snowflake, and AWS partnerships - My DCF and bear/base/bull scenarios running to 2031 I still think the market is underpricing this company, and the full reasoning is here 👇 You can find more reports like this inside of my FREE community (Link in bio!) https://summitcapitalco.substack.com/p/zeta-global-zeta-more-than-marketingread more
Originally published on Blossom on April 13th, 2024 Please find retrospective commentary at the end. The purpose of this series is to convey the decades of knowledge I have obtained from the truly greatest investors of all-TIME (and it’s not limited to the 2nd tier “greatest” ones that get all the press and re-quotes) to demonstrate HOW TO READ AND TIME THE MARKETS with profitable actions to sustain annualized double-digit returns. We do this by developing our toolbox to handle different market conditions using both tools from Fundamental and Technical analysis in combination of watching the activity of the INSIDERS, realizing we can’t beat ALL of them, but we can beat MOST of them and SQUASH our fellow INVESTORS. But we are certain to exclude the 75% of Conventionalist guidance - which is distributed to the masses of retail investors. These are the ones that talk incessantly about DRIP, DCA, dilutive S&P 500 investment vehicles, bonds, and returns on cash holdings, on and on. Makes me nauseous. 🤮 Young investors willing to take the TIME to learn about how to make their savings work for them aren’t a good match for this lazy investor product suite listed above! Always remember, Conventionalist advice is delivered to the general investing public. And most all of the general investing public is relatively poor. Conversely, the wealthy do something different. So why on Earth would we follow the advice that puts us on a path of “Conventional Wisdom”? You know what they all have in common? The same All-TIME returns. Check it out for yourself. Every TIME you see those acronyms and hear those cute sayings in a post (DCA, DRIP, “Buy Low, Sell High”, “Buy when there’s blood on the streets”, etc.), test it out, and click on the author’s all-TIME returns. If it’s ~7% +/- 2.5%, mark it down as “Conventionalist”. It is really amazing how that regurgitated advice plays through into all of their portfolio returns. Anyway, if it isn’t double-digit, annualized returns, then maybe you should look elsewhere. Just know that Wall Street wants you to be a Conventionalist (prey). OK. Got that out. Now, let’s add a new tool as we make more progress on our ability to read and TIME markets. As you know, I am a proponent of knowing where you are in the cycle. There are many cycles in play at any given TIME. Examples include: seasonal, business, product, real estate/banking crisis, super cycles, etc. Different sectors, subsectors, stocks, bonds, ETFs, etc. work best in different phases of any given cycle. There can be overlap, intersection, coincidence, and separation in cycles. Sounds like a lot to keep track of? Not really – because we follow the Wall Street playbook and their subsequent activity to position appropriately. But it’s enough that we can’t tackle in just one post. If you go back and re-read my post, “They are telling us so what are you waiting for?”, you know that I’m positioned for where we are in the real estate/banking crisis cycle. They date back to the early 1800’s when the stock markets got their start. Like clockwork, they start and expire on TIME. The 20-Year Chart is perhaps the most neglected chart of them all. And if you really claim to be a long-term investor, it should be referenced more frequently, if not the most. For companies that have a 20-year history, this chart can give incredible insight in to what we can similarly expect in price movements today at this point in the cycle. Why does this generally work? It requires an understanding of cycle duration and when they begin. We will get to that in this series. But for now, why not pull up the 20-year chart for all of your stocks that have a 20-year history and start thinking about how and why this gives us some insight with the TIMEframes I’ve laid out in previous posts. We’ll explain more in later posts. Try this exercise before we get into that. Note: A quick observation on the markets from the past 2 days. Large price drops in a short period of TIME is an EXTREMELY BULLISH indicator for a long runway for this bull market to run up into 2026, as we expect from the cycle. Expect the dips to be short-lived in these healthy pullbacks. Also, I shared 30 tickers of stocks in KTS #14 that I am currently watching (due to Wall Street’s favored sectors, subsectors) that Wall Street is currently accumulating. One example, $USAS , the wolves came in the last 10 minutes to close above the open for one of the few stocks up on the day. We love to buy these stocks because we know that Wall Street can’t risk NOT accumulating a stock with high conviction. I read and TIME these movements for extreme profits. Retrospective commentary - October 5th 2026 Still one of the most underappreciated charts, even among the best investors! When you think of Beskar Capital, you think of: $USAS – up about +415% since the original publication. $TGB – up about +224% since the original publication. $FTI – up about +183% since the original publication. $HL – up about +192% since the original publication. $TTI – up about +62.5% since the original publication. Look at all their charts. Put yourself in April 2024 and try to see how we were able to zoom out and get in at optimal points in TIME. The KTS series aims to help you recognize cycles and build the tools to identify money flows, accumulation, long-term breakouts, and get in before the conventionalists even know these tickers exist. This has been our credo since the beginning, and now it’s TIME to show the results and acknowledge the value of it all. If you read the KTS #13 re-post, you saw our transaction history on $TGB . You can see how we were able to accumulate with conviction. I compiled the same transaction history for $USAS , $TTI and $HL that were publicly disclosed before opening the website in February 2026. You can find all tables attached to this post. And you can see the links to each trade in the comment section below! 🏆 Open your favorite charting platform and identify our points of accumulation on the charts. Look at the charts and look at the dates when we built our positions. When you zoom out, you can see how effective the KTS tools can be. We witnessed $HL break out to highs not seen since the ’80s, $TGB break out to 35+ year highs, and on and on. If you can’t see how the tools I’ve developed over the past 36+ years can help you outperform the markets and generate amazing double-digit annualized returns… then I guess you can’t be helped at all. Beskar Capital cannot stress this enough: zoom out and recognize that you can learn to identify and profit from these long-term cycles. I always give you my best! 🏆 This is the Way! 🏄🌊 read more
The greeks is a term for multiple measuring factors which can determine and predict the price movement of option premiums which allows you to understand the risk exposure of those options. In simple english - these greeks - and there are 5 we will go over - are there to help us measure how an option premium price will be affected in the future based on different things. DELTA: Delta will be used to determine how much the option price of a particular contract will move - either up or down depending on how the stock price moves. So the stock price goes up? Well, how do we know what the option price will then be? We use delta! Delta is defined as the expected change in an options price relative to $1 movements in the underlying stock price. So again, Delta is going to help us determine how the option price will move for every $1 the stock moves. Delta values you’ll notice will go from 0 to +1 with calls, and 0 to -1 with puts. Thats the number that the premium price will increase or decrease by. GAMMA: So now that we understand Delta - and how the price of the option is affected by Delta we can now understand gamma - because gamma affects delta - and delta affects the price of the option - so through this weird chain of events gamma affects the price of the option. K - Gamma is the rate of change of an options delta relative to a 1 point move of the underlying stock. So just like Delta, when the stock moves up $1, the option price is affected. So lets take an example - we have a stock trading at $10 with an option contract price of $2. The option delta is .5 and the gamma for the option is .1 - Now lets say the $10 stock increases to $11 - a 1 point move in the stock. The gamma of the option, which is .1 will affect the delta of the option which is .5 .1+.5 is .6 - so now the new delta of the option at the $11 price is .6 which in turn will affect the overall price of the option. THETA : One very important thing to understand about options is that all options lose value as they get closer to the expiration date if all other things remain constant. So you buy an option - you’re always fighting time - and that option is losing value every day, every week, every month until at expiration there is only the intrinsic value left of that option. This is due to Theta - or Theta decay. Theta refers to the rate of decline in the value of an option due to the passage of time. Theta is usually expressed as a negative number and that number tells you how much value the option will lose every day until expiration. Now that you know all this you can see how selling options is favorable - because you can sell an option and just let Theta decay do its thing - and as the option price decreases - something it does naturally - you, as the option seller make money. RHO : Rho measures the price change of an option in relation to risk-free interest rates. When speaking of risk-free interest rates we are talking about something like U.S. treasury bills. For example - if an option has a rho of 1.0, then for every 1 percentage-point increase in interest rates, the value of the option will increases by the amount of Rho - which is 1. Remember, Call options generally rise in price as interest rates increase and put options decrease in price as interest rates increase. So, call options have a positive rho, while put options have a negative rho. Alrighty got that out of the way. VEGA - Vega represents the amount that an option contract's price changes based on a 1% change in the implied volatility of the underlying stock. So just like all the other greeks, the option price is affected by something and in vegas case that something is it’s implied volatility. I think you’re getting the hang of this now I can feel it. For every 1% move up or down in implied volatility, the option price will move up or down by the amount of Vega. read more
