This week we bought a new car (yes the one in the video title). But how I financed it and further optimized my PIIverse retirement portfolio is the big story ! https://youtu.be/46c9rUZJgSA
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
Make sure you ***actually*** invest the money inside your IRAs. Sometimes, people just fund the account but don't buy anything with those funds. If you forget to buy investments, your money sits in cash & rots away.
WILL YOU BE BUYING THE ANTHROPIC IPO..? $500B in commitments, seeking around $1.5T valuation, $16.1B H1 revenue, $80.1B H1 net loss, gross margin went from 12% to 85% in just one year. Nearly $240B in commitments with just $SPCX and $GOOGL haha.. $ANT
The market is in turmoil overnight as odds of a Democrat sweep are now higher than 94%. The Nasdaq 100 has fallen to its lowest level since late July. Concerns over tighter AI and data centre rules are going to be a big question heading into the end of this week.
— Now that it’s official and Democrats have won the House in today's midterms, the unlimited spending vibe for the AI industry is hitting a real political wall. This lines up directly with what we have seen on the ground with massive data center power demands clashing with actual grid limits. With new House leadership, expect tighter regulatory oversight on tech energy consumption, grid strain, and infrastructure handouts. - Good to know: A single hyperscale AI data center campus can easily require as much electricity as a mid-sized city, which is why local power grids and consumer advocates are aggressively pushing back against unchecked energy allocations. - Market Impact for Tomorrow: Expect increased near-term volatility for mega-cap tech and semiconductor stocks as Wall Street prices in a stricter regulatory environment for data centers and AI capital expenditures. Capital is likely to rotate defensively toward reliable core indexing like $VOO, $XIC, $VTI, $XEQT, and $VT physical infrastructure, and traditional energy/hard assets. It’s a timely reminder to anchor portfolios with reliable core holdings and focus on real infrastructure rather than pure tech hype. How are you positioning your portfolio for this shift in US Government? — This is for informational and educational purposes only.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 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
1) Daily use. Every pick starts with my own day, not a stock screener. I list the companies I rely on every single day, multiple times a day — the search engine I open without thinking, the apps I message on, the card I tap, the software I work in. If a company is already woven into my routine, it has passed the first test, because I understand it from living with it, not from reading about it. 2) Growing industry. A great company in a shrinking industry is still a bad investment, so the second test is the industry itself. I want tech and finance — and the numbers back the direction: global chip sales hit $627.6 billion in 2024, up 19.1% in a single year, according to the Semiconductor Industry Association. Payments keep moving from cash to digital. 3) Hard to replace. Then I ask the only question that matters about competition: how many real alternatives exist? Mastercard and Visa together run more than 80% of card payments. S&P and Moody's grade about 80% of US bonds. ASML is the only company that makes EUV machines. Google handles about 90% of searches. Zero or one alternative — that's a moat. And the barriers behind it are trust built over decades, networks nobody can rebuild, and regulation that locks the door behind the leaders. 4) Fundamentals. Only after a company passes the first three tests do I open the numbers — because numbers without understanding are just noise. I check revenue growth, profit growth, margins, cash, and debt. Can I explain how it makes money? Is the cash real, or accounting fiction? Can it raise prices without losing customers? ASML keeps 57.5 cents of every euro in gross profit. Mastercard's earnings grew 21% while revenue grew 14%. S&P Global beat expectations and raised its forecast. The numbers are the proof, not the story — but without proof, there is no buy. 5) Buy point. A good company at a bad price is still a bad buy, so I set my price in advance — a price I can defend with the fundamentals I just checked. Then I wait. I don't chase a stock that's running, I don't buy because everyone else is, and I don't let a green day rush me. When the price comes to me, I buy. S&P Global is the cleanest example: thesis first, price set, bought in October. Patience here isn't passive — it's the discipline that protects every other step. 6) Hold — but holding doesn't mean never selling. After I buy, the job is to hold, but holding doesn't mean never selling. I sold Netflix after it ran far ahead of what I understood, and I trimmed ASML twice: once when it grew to nearly half my portfolio, and again to fund S&P Global, a better opportunity. I don't sell on noise, and I don't trim just to make a spreadsheet neat. I sell when the price runs past the numbers, when the position gets too big, or when the money has a better home. 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.....
If you could only have one high income ETF in your portfolio what would it be? For me I reveal exactly what that ETF is and give some context to the reasons why I’d only go with that. This ETF has been my longest serving holding. https://youtu.be/QFvlEWdMMAI?si=YAVwrdXBxoC1QUqe
My thesis: back the companies turning AI spending into real revenue. ServiceNow's AI sales are growing. But its outlook disappointed, and I think AI could hurt the core software business as much as it helps it. When I'm less sure of the story, I'd rather free up the money than hope. My own reasoning, not a recommendation. Capital at risk.
SO, I added more $AMD before tonight's report. It got crushed almost 11% Friday and I think the fear is overdone. Long-term buy & hold for me. Anyone else buying before the close?
For Episode 27 of Financial KarMoe, @karyungtom and I covered some great questioms from the Blossom community. After putting out our Halloween-themed question post, we received some fantastic questions from the community, covering everything from investment strategies and leveraged ETFs to retirement planning, taxes, and financial independence. 🍂🎃 We picked up as many as we could and shared our honest thoughts and experiences. When does having conviction in an investment strategy become stubbornness? Is five years of underperformance enough reason to reconsider your approach? We also discuss the risks of financial influencers promoting misleading information, whether a $1 million RRSP really means you have $1 million to spend in retirement, and the potential risks of leveraged investing during a market correction. We get into the Smith Manoeuvre and when it might actually make financial sense, the complexities of retiring outside Canada, and whether taking CPP early or deferring it is the better approach. We also discuss Coast FIRE, investing with borrowed money, ZEQT's T-Series funds versus traditional ETFs, and whether high-distribution strategies are necessarily the best way to generate retirement income. And of course, we couldn't leave out some of the lighter community questions, including when Wealthsimple might bring back its free iPhone promotions! 😂 We wrap up with a discussion about financial literacy and what it takes to get people curious about investing, understanding compound growth, and taking control of their financial future. A huge thank you to everyone in the Blossom community who submitted questions and continues to support Financial KarMoe. We appreciate you being part of these conversations! 😍🙏🏻 https://youtu.be/Rw-D_MCP_uwread more
📊 Chips rebounded on Election Day. The Nasdaq climbed 0.83% to 25,372.01, the S&P 500 rose 0.36% to snap a three-day skid, the Dow fell 0.38% and Canada’s S&P/TSX Composite dropped 0.75%. 🍎 Apple ($AAPL) fell almost 2% to weigh on the Dow after issuing a disappointing margin forecast late Monday. Fiscal fourth quarter iPad sales also missed estimates. 🛒 Shopify ($SHOP) sank 8.02% to $200.19 on the TSX after missing on subscription gross profit and gross merchandise volume. Revenue of $3.74 billion came in just under the $3.75 billion LSEG estimate, and fourth quarter growth guidance in the low thirties sits around the 32.1% consensus. ₿ Coinbase ($COIN) rallied 8% after sliding 15% over the prior three sessions. Morgan Stanley had cut the exchange to underweight Monday and slashed its target by 53% on weaker crypto trading volumes. ⚡ Bloom Energy ($BE) gained nearly 10% after Barclays upgraded it to overweight on stronger than expected demand. The bank trimmed its target to $289 from $319, still implying about 47% upside. 🛢️ Brent lost 1.12% to settle at $103.60 and WTI fell 0.38% to $96.09 on speculation about progress in U.S.-Iran talks. Prediction markets put roughly 75% odds on Democrats taking the Senate, and JPMorgan says a sweep could pressure AI names if traders haven’t positioned for it. 👨🏻💻 Researched and written daily by @timeminoread more
Shopify just dropped 8% on a slight revenue miss. Is it a overeaction by Mr Market?
For those following $BE and its buildout, it’s news like today’s that reinforces my fascination with this company. Bloom Energy is becoming so much more than an AI data centre power play. The potential applications beyond AI, particularly in carbon capture, are what I find most intriguing. https://stockevents.app/event/key-drivers/BE/2026-11-03/2026-11-03
What’s the most important thing you look for when researching a stock and finding a winner? What are the things that a stock must have in order for you to own it? Let me know below, i’m super curious!
📊 Tech melted down again to open November. The Nasdaq fell 1.07% to 25,164.32 and the S&P 500 shed 0.51%, both giving up solid morning gains. The Dow rose 0.41% on old economy names and Canada’s S&P/TSX Composite added 0.51%. 🔗 Marvell Technology ($MRVL) dropped 12.72% to $171.41 after agreeing to buy Lumentum ($LITE) for $115 billion. Lumentum fell 18% despite the deal, which gives its holders 4.5 Marvell shares each and about 33% of the combined company. 🗄️ Oracle ($ORCL) slid 8% after filing to sell $10 billion in common stock and $10 billion in senior notes to fund its AI buildout. Stephens upgraded the stock to overweight the same day with a $213 target. 🐕 IDEXX Laboratories ($IDXX) climbed 20% after beating on both lines, with revenue of $1.21 billion up 10% year over year on Companion Animal Group growth. The vet diagnostics company raised its 2026 revenue and earnings forecasts. 🍁 Canadian energy names sank with crude. Suncor ($SU) fell 5.05% and Canadian Natural ($CNQ) dropped 4.21%, though a gold rebound lifted materials enough to keep the index green. Canadian manufacturing contracted for the first time in 2026 as tariffs hit demand. 🛢️ Brent tumbled 7.63% to close at $104.77 and WTI fell 7.36% to $96.46 on hopes of renewed U.S.-Iran talks. Marco Rubio said Trump hasn’t decided on an attack and Washington would prefer a peaceful resolution, while Iran’s foreign minister said a deal is possible with goodwill. 👨🏻💻 Researched and written daily by @timeminoread more
Oil just dropped 7% on U.S.-Iran peace talk hopes. Does Brent stay under $100 by year-end?
📊 Revenue: $13.4B (expected $13.1B) 🖥️ Data centre: nearly doubled YoY 🔮 Q4 guide: ~$17B (Street expected ~$16.2B) Last week everyone was panicking about the tech selloff. Tonight they reported record numbers and guided way above expectations. This is Jevons paradox in real time: AI keeps getting cheaper, and demand keeps going up. 🧠 Holding my [533] shares and maybe raising my price target too…read more
$HYLD holds 9 underlying ETFs ($SDAY$QDAY are the most recent additions) with 150 stocks in total. So why does it have the concentration of just 38? That’s what caught my attention when I dug into ALL its holdings. When I calculated HYLD’s effective number of stocks, I got just 38. In other words, despite holding 150 individual stocks, the weighting makes it behave more like a portfolio of 38 equally weighted stocks. And the concentration gets less income like and more growth like.... The top 10 stocks make up 40.7% of HYLD. The top 20? 65.6%... And the bottom 50 stocks? JUST 4% of the portfolio. So yes, HYLD owns a lot of stocks. But the number of holdings doesn't tell you much without looking at how they're weighted in the portfolio. Then theres the sector exposure...... Technology accounts for roughly 39% of the portfolio, with names like NVIDIA, AMD, Broadcom, Micron and Palantir among its major holdings. There's nothing inherently wrong with owning these companies. However, it does raise an interesting question about how diversified HYLD really is. Is it a diversified high income ETF...... or is it essentially a concentrated U.S. growth portfolio with leverage and a covered-call strategy layered on top? I dug into all of this in my latest HYLD ETF deep dive, along with its 12.5% yield, distributions, performance, fees, leverage and risk and answered some of the questions you asked. And I also built a custom benchmark to see how HYLD stacks up against a portfolio with similar characteristics AND leverage. https://youtu.be/dgUcuQmB48k If you were buying HYLD primarily for its monthly income, would this level of concentration change how much you'd be comfortable holding in your portfolio?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!
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
Quick flag that if you receive a dm or see a comment from 'Blossom support' it is a SCAM! Please report it and our customer support team will delete it and we're working on a fix to block these proactively which will be live tomorrow Re. @trevorheslopinvests's post "weird dms sharing posts" - this is actually not a scam, but was the result of when you long press the share button it sends a post (a bug on our end). The fix for this is now live when you update Blossom on the app store (thanks everyone for flagging this)! 😎 In addition to these fixes, lots of other cool updates on the way that I can't wait to share with you all! As a sneak peak here's the mock-up for a community leaderboard we're working on to help showcase the top Blossom creators each week - https://blossom-mvps.netlify.app/
This November, we’re putting our money (and moustaches) where our mouths are. Team Blossom is officially joining the Movember movement, and inviting the entire community along for the ride! Our goal? Raise $10,000 for men’s health, supporting mental health and suicide prevention, prostate cancer, and testicular cancer. But we’re not stopping at donations! To make things a little more spicy, we’ve set up some fun fundraising challenges. From @maxstocks learning a KATSEYE dance, to mystery punishments, questionable moustaches, and a whole lot of chaos, every milestone unlocks something new. The best part? EVERYONE can participate (women too!). 🥸 GROW A MO: Put down the razor and grow that glorious moustache. 🏃♀️ MOVE FOR A MO: Can’t grow a moustache? No problem! Walk, run, or get moving for men’s health. Track your activity through Movember and sync your progress to your Mo Space. DONATE FOR A MO: Donate to a good cause and help us reach our $10,000 goal and unlock the next challenge! 📸 Post your progress photos throughout November and tag @meetblossomsocial on Instagram so we can share it along on our socials, bonus points if you're wearing Blossom merch! JOIN THE BLOSSOM MOVEMBER TEAM OR DONATE: https://movember.com/t/blossom-social-team?mc=1 Because investing in your future means investing in your health, too. Let’s grow something good. Together!read more
Hamilton's $HYLD is a beast of a fund, just like $HDIV . After getting the communities questions to help form the structure of HDIV's deep dive, I thought ... I HAVE to do it with $HYLD too. Since HYLD is a fund of funds and rather complex... here is what I am going to share (that way you don't ask what will be answered): - Performance attribution of sorts - Benchmarking w/ and w/o levereage - volatility and drawdowns - Fund history of changes - Distributions - ETF structure and total underlying holdings - Concentrations - Fund risks - Total costs and long term affect on performance What would you like to know about this fund? Is there something that's not obvious about the fund that you feel needs discussed? As always, EVERYONE is more than welcome to pipe in with their personal questions. The more diverse group of investors with questions, the better and broader the deep dive will be😁 I'll be filming tomorrow after work, so if I miss your questions after then, my apologies. As always, HAPPY investing everyone and let the questions FLY!!!!read 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
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
297K views
Join the conversation with 500,000+ other investors 💸
Create an account to get access to everything Blossom has to offer!
📊 Personalized algorithm based on your investing style, experience level and interests
📈 Powerful portfolio and dividend tracking tools
👀 See what top creators and others in the community are investing in
