Elon Musk says $SPCX could reach a $100T valuation within 10 years. At ~$2.1T today, that's ~48x upside. $1,000 invested today could theoretically become ~$48,300. Do you think this is possible..?
I've been really MIA on Blossom since the passing of my sister... It's given me a lot of time to reflect on things. I still enjoy everything about finance and check my portfolio often, but I really want to stress the importance of realizing why we are doing this. What is the end goal of all of this? Seeing a loved one go in their early 30s is difficult, and it's made me realize that the time we have on this planet is really, really short. I have come to the realization that staring at numbers and watching them grow isn't as important as spending some of that time with loved ones. I want to start taking the kiddos on more vacations, buy the van that the wife wants, and try to see my parents more. The key for me will still be to be responsible with my finances, but instead of waiting for that next portfolio goal, waiting for the kids to grow older, or waiting to retire... why not live now? The whole point of becoming wealthy is to USE THE WEALTH, not to stash more and more so we can become so rich that we never actually enjoy the short time we are given on Earth. When the drunk driver went head on with her Uber vehicle, I truly believe she had no clue, could've just been chilling on her phone in the back then dead the next second...goes to show our life could end at any second and we might not even realize it. This post isn't saying we shouldn't be financially responsible, but that we should also enjoy life today... Tell your loved ones you love them, and use your finances to better your life. Willread 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
President Trump says Russia will supply millions of tons of diesel to U.S. and global markets. 📊 Key Highlights: ⛽ U.S. diesel prices hit around $6.28 per gallon. 🤝 Trump reached a supply agreement with Vladimir Putin. 📉 The goal: Increase supply and bring fuel prices down. ⚠️ The U.S. temporarily eased sanctions on certain Russian diesel shipments. 🌍 BUT THERE'S A CATCH! Analysts question whether the deal will significantly lower prices, while Ukraine criticizes the move. 📈 Could this change the global energy market? 💬 What do you think? Smart move or risky decision ?read more
Canada has lost a total of 110,000 jobs over the past two months, including 68,000 in September. Canada's unemployment rate also jumped to 6.5%. Not the be a bummer but Canada has gotten the worse of the trade war since it started. Something needs to give.
Reading an earnings report: what actually matters. Revenue is the headline number, but stocks usually move on the guidance — what management says about the next quarter. A beat today means little if the outlook gets cut. Also watch the margin: how much profit stays from each dollar of sales. A company can grow fast and still be fragile if it bleeds cash. Funadmental analysis of a stock can help you learn where every piece of revenue is going. Concepts like Revenue, Operating Profit, Net Profit, EBITDA, etc are the best tools at dissecting the entire business money flow. $NBIS reports Q3 on October 22 — a live example to practice on. Not financial advice. read more
Took a -4.01% hit today as tech and semis pulled back across the board. When you're holding names like NVDA, PLTR, AMD, and MU alongside core anchors like VTI and VGT, red days like this are just part of the ride. Here is how I handled cash and positioning this week: What happened with cash this week: Auto-pilot DCA: Kept my weekly $159 automated deposits rolling straight into core positions to keep accumulating on schedule. Capital deployment: Worked through deploying part of my $30k cash injection into core index and growth targets to build out long-term base sizes. Maintaining a buffer: Kept 21% sitting in SPAXX/cash. Holding that liquid yield gives me peace of mind and keeps dry powder ready when tech takes a sudden hit like today. Looking ahead to next week: Watching how Big Tech earnings shake out to see if the sell-off extends. Looking for solid entry points to slowly put more of that 21% cash buffer to work if prices stay discounted. Sticking strictly to the system—letting auto-DCA do the heavy lifting while reserving cash for deep red days. How are you playing your cash position right now? Are you picking up dips or waiting for earnings to clear? 👇read more
If you guys have been following me for a while you are probably familiar with my “Hidden Gems of the counter cycle” series, where I introduced some companies that have a history and tendency to counter recessionary environments and actually flourish when the market drops hard. I thought maybe you’d be interested to see how they held up under this week’s pressure. I wrote about 5 wonderful companies that grew and had very positive performances during previous financial crisis events and here is how they held up this week: 1) $ECPG +2.37% (Debt recovery solutions) 2) $AZO +6.8% (Sell auto spare parts DiY) 3) $ORLY +3.8% (Sell auto spare parts DIY) 4) $FCFS +0.17% (Pawn shop network) 5) $HRB +9.15% (tax return tools) This week was a good pressure test for my counter cycle gems 💎, held up like a rock against the avalanche that destroyed my high beta holdings. 😅😅 Portfolio rotations will continue strong on Monday… while this week I added more $WMT$DINO$SU$HL$CVEread 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
THE DAILY CLOSE — MARKETS SPLIT. EXECUTION MATTERS. October 16, 2026 Canada’s main equity benchmark edged higher while U.S. large-cap indexes declined. Beyond the closing bell, new manufacturing investment, European inflation detail, earnings and two very different deal milestones offered useful signals for investors. The market close The S&P/TSX Composite finished at 36,176.55, up 39.45 points, or 0.11%. The S&P 500 closed at 7,659.44, down 1.09%, and the Dow Jones Industrial Average at 52,002.41, down 0.34%. Index levels are in points, not currency amounts. The practical lesson is that an index’s holdings and weighting matter. A broad Canadian portfolio can behave differently from a U.S. large-cap portfolio on the same day. These closing observations describe the session; they do not establish which market will outperform next. Canada’s grid supply chain gets a factory plan Hitachi Energy announced a C$479 million investment in a Canadian transformer-insulation factory. The planned facility will manufacture electrical insulation pressboard and laminates, materials needed to build and operate transformers. Completion is expected by 2028, with more than 100 permanent skilled jobs expected. The federal government separately described the project cost as C$478.8 million and announced C$30 million of federal support. The issuer’s C$479 million headline is the rounded project figure; the federal contribution should not be added again as if it were a separate factory project. Why it matters: grid expansion depends on specialized industrial components as well as power generation. Domestic insulation capacity could help address a supply bottleneck. The caveat is execution: construction, qualification, costs and customer demand still have to translate the plan into productive operations. Expected jobs are not jobs already created, and investment spending does not guarantee returns. Europe’s September inflation detail Eurostat’s October 16 release confirmed annual euro-area inflation of 3.8% in September, versus 3.2% in August. The headline matched the 3.8% flash estimate published October 2. Today’s contribution detail showed energy adding 1.71 percentage points and services 1.52 percentage points to the annual rate. This helps distinguish the composition of inflation from the headline alone. Contributions are percentage points of the total annual rate, not those categories’ individual inflation rates. The release concerns September prices; it does not report October inflation or announce an ECB decision. U.S. market yields eased slightly The Treasury’s 10-year nominal par yield was 5.09% on October 16, down from 5.10% on October 15—a decline of one basis point, or 0.01 percentage point. These are interpolated par yields derived from indicative market quotes near the Treasury’s daily observation time, not a guaranteed rate available to every investor. Market yields help inform discount rates and financing comparisons. However, a one-basis-point move is small and should not be described as a monetary-policy cut. It also does not establish the return of a bond fund, which depends on its holdings, duration, income and other factors. Travelers: look inside the earnings number Travelers reported Q3 net income of US$1.917 billion and diluted EPS of US$9.04. Core EPS was US$9.18, a non-GAAP measure. Its consolidated combined ratio was 86.8%, compared with 87.3% a year earlier, with favorable prior-year reserve development helping the result. Underwriting and investment income both matter to an insurer. Reserve changes can affect the quarter’s reported profitability, so a strong EPS figure should not automatically be treated as a repeatable run rate. Compare reported and core measures consistently, and keep catastrophe risk in view. Citizens: earnings and capital returns Citizens reported Q3 net income of US$636 million and EPS of US$1.41, up 34% year over year. Its board raised the quarterly common dividend by US$0.06 to US$0.52 per share and increased remaining share-repurchase capacity to US$1.95 billion. The dividend is payable November 13 to holders of record October 30. Capital returns can be relevant to shareholders, but a repurchase authorization is permission to buy shares, not evidence that the entire amount has been spent. Future distributions and purchases remain subject to the business, capital needs and board decisions. Earnings growth alone also does not determine whether a stock is attractively valued. Copart / ACV: completion is the new development Copart completed its acquisition of ACV on October 16 after the tender offer expired October 15. The cash consideration was US$10.50 per ACV share. ACV shares ceased trading, and ACV will operate as a Copart subsidiary. The initial agreement was announced September 10; today’s story is completion, not a newly signed agreement. Closing removes one kind of transaction uncertainty, but integration and the realization of operating benefits remain separate tests. International Seaways / Bruton: still a conditional transaction International Seaways announced agreements valuing Bruton at approximately US$370 million. The transaction covers four very large crude carriers, including newbuildings. A first-step exchange involving holders of approximately 50.5% of Bruton shares is expected to settle on or about October 20. A subsequent merger remains subject to the shareholder process and other closing conditions. Fleet growth can change a shipping company’s earnings exposure and capital needs. It does not guarantee stronger returns: charter rates, vessel delivery, financing and integration all matter. This should not be described as an acquisition already completed, nor should preliminary operating estimates be mistaken for final results. The takeaway Read each number according to what it measures. A closing level, an earlier-period earnings result, a manufacturing commitment, a buyback authorization and a completed acquisition are different kinds of information. The useful investor question is what has actually changed—and what still depends on execution. Education only; not financial advice. Investing involves risk. #BlushInWealth #TheDailyClose #CanadianFinance #GlobalInvesting #FinanceNews #FinancialLiteracyread more
Today, I’m taking a moment to appreciate how far God has brought me. This car means a lot to me because I know the work, patience, and sacrifices that go into building the life you want. It hasn’t always been easy, but I’ve learned to keep going, trust God, and stay focused on my goals. I’ve also learned that you can’t please everybody. Some people will celebrate your progress, while others will question your decisions. That’s life. At the end of the day, you know what you’ve worked for and what it took to get here. I’m grateful for how far I’ve come, and I pray God continues to give me the wisdom to keep growing. Never forget where you started, and don’t be afraid to appreciate how far you’ve made it. ❤️🙏 All thanks and glory to God for this blessing, and special thanks to $SPCX for last week’s trade with my trading community. I’m grateful for the opportunities, the lessons, and everyone who’s been part of the journey. 📖 ECCLESIASTES 3:12–13 “I know that there is no good in them, but for a man to rejoice, and to do good in his life. And also that every man should eat and drink, and enjoy the good of all his labour, it is the gift of God.” To me, this verse is a reminder that it’s okay to enjoy what you work hard for. Sometimes we’re so busy chasing the next goal that we forget to appreciate what God has already blessed us with. Not everybody will understand your choices, and that’s okay. I’m just thankful for what God has allowed me to accomplish. All glory belongs to Him. 🙏 🙏 MY PRAYER FOR EVERYONE READING THIS ❤️ Heavenly Father, I pray for everyone reading this post. You know what each person is going through, even the things they don’t share with anybody. You know their worries, their struggles, and the things they’ve been praying for. Lord, please give them strength when life gets hard, peace when their minds are troubled, and hope when things don’t go as planned. Bless their families, provide for their needs, and open doors of opportunity for them. For those who have been working hard and waiting for their prayers to be answered, please give them the patience to keep going and the faith to trust in You. Father, guide their steps, protect their homes, and surround them with people who genuinely want to see them do well. Remind them not to give up just because things are taking longer than they expected. Help them appreciate the little blessings along the way and give You thanks through both the good days and the difficult ones. My prayer is that everyone reading this finds a reason to smile, receives good news, and sees better days ahead. May God bless you and your family, provide for your needs, and give you the strength to keep moving forward. In Jesus’ mighty name, AMEN! 🙏❤️ read more
📊 Investors rotated out of AI and into value as another hot inflation print landed. The Dow jumped 1.08%, the S&P 500 added 0.33% and the Nasdaq edged up 0.08% after being down 1.4% at its low. September PPI rose 1.3% on the month and 6.3% on the year, the biggest gains since 2022. 🤖 Anthropic’s third quarter revenue grew to $16.8 billion from $11.6 billion in the second, sources told CNBC, a slower sequential climb than the jump from $4.7 billion in Q1. Some traders read it as too slow to justify the run in chipmakers, though the Financial Times reported the company turned cash flow positive in the quarter. ☁️ CoreWeave ($CRWV) rebounded 5.94% to $69.69 after sinking as much as 9.5% in the morning. Deutsche Bank’s Brad Zelnick called Wednesday’s 15% drop a buying opportunity, arguing the company is scaling responsibly with near-term liquidity in decent shape. 🐊 Crocs ($CROX) spiked 6.15% to $124.77 after Barclays upgraded it to overweight and lifted its target 18% to $139. Analyst Adrienne Yih pointed to direct-to-consumer strength, promotional discipline and growth coming from newer franchises rather than the Classic Clog. 🏦 Bank of America ($BAC) got an upgrade to outperform from Baird, which kept its $62 target for 21% upside. The firm called Wednesday’s selloff overdone and likes the 2027 net interest income outlook, despite yesterday’s earnings miss and higher expenses. 💾 Chip stocks fell for an eighth straight session, the longest slide for the iShares Semiconductor ETF since 2015, down more than 15% over the stretch. Seagate ($STX), Western Digital ($WDC) and SK Hynix extended losses on memory glut fears, with Elon Musk posting that China will be making a lot of RAM in 2028. 📉 The Russell 2000 fell into correction Wednesday, ending 11% below its August 14 record close. Breadth improved elsewhere though, with more than half of S&P 500 names back above their 200-day moving averages, up from about 40% in late September. 👨🏻💻 Researched and written daily by @timeminoread more
Personally, growing up, life wasn’t so easy for me. There were zero handouts. There was an ugly divorce between my parents that shattered us further financially. And by no means would there ever be a trust fund. But here’s the deal, I am forever grateful for all of it. Why? It built me into a machine. By 31, I hit coast FIRE and now I spend most of the year traveling and living what I call my rich life. I’m sharing this with you all because it wasn’t ever and will never be about the money. Yesterday evening, I walked into a restaurant here in Montenegro overlooking the sunset. The waiter asked me what I wanted upon entering the restaurant as he held a menu up. My reply: “give me your best, no menu needed.” I had fresh sea bass paired with a tasty Greek salad and a glass of local wine. Investors, please do yourself a favor and stop living for money. Live life and experience it all. Money is merely a tool to allow you to experience. Now I’m here to just document my journey to $1M and share how I will be 100% work optional by 35: https://www.instagram.com/ari.gutman?xtok=MTZlYW1ldjNqaHM2bA%3D%3D&utm_source=qrread more
Goldman Sachs raised their $ZETA Global price target… PT: $30 → $45 Rating: Buy Commentary: Goldman "views Zeta as a "differentiated" marketing technology platform at the intersection of customer data, campaign activation, and measurement. The firm sees the company gaining share from legacy marketing platforms and fragmented point solutions. Zeta is positioned to benefit from its platform breadth as enterprises look to consolidate software spend and create room for AI investments... Goldman expects upside to consensus estimates to drive a further rally in the shares." $ZETAread more
How does a 16-year-old build a six-figure stock portfolio? In this episode of the Retail Rundown Podcast, 16-year-old Charan from New Jersey shares how he went from a 7th grade stock market competition to running a six-figure portfolio, while building 240K+ followers on Instagram and a 30,000-member Discord community along the way. That journey has included some huge swings, including a nearly $100K win on $PENG options and a $60K options loss on $AAOI that completely changed how he sizes trades, takes profits, and cuts losses. Charan explains how he researches stocks using AI and social media, why he’s bullish on memory stocks like $SNDK and $MU, why he bought $NBIS after Michael Burry went short, and why he thinks dropping out of high school to day trade is a mistake https://youtu.be/ZZ_PetTNbBo?si=QSEmMhrjwRYQ9Alw
Is it okay to pause investing when life gets expensive? And how much does having kids really change your family budget? Welcome back to Episode 24 of Financial KarMoe! This time, @karyungtom and I talked about the financial realities of raising a family. We share our experiences with slowing down investments, the impact of parental leave on household income, preparing for major home repairs, and why paying down your mortgage can also be part of building your net worth. We also discuss whether it's worth continuing to invest small amounts when you need to focus on other financial priorities. 📈 We get into covered-call ETFs, investment fees, and why comparing portfolio returns isn't always as straightforward as it looks. Kar explains why it's important to distinguish between comparing investment strategies and trying to isolate the impact of fees. We also touch on why covered-call ETFs may lag during a rapid Bitcoin rally. 🧸 And because we're both dads, we talk about the expenses that come with raising kids, from daycare and extracurricular activities to toys, family vacations, and airfare. We even share some thoughts on buying secondhand to save money and the challenges of finding time for a date night when you have little ones at home. Shoutout to @matt.41, @cjs033, @noviceadvisor whose questions/comments we featured. 💬 We'd love to hear from you: What's the biggest expense that has increased since you had kids? Let us know in the comments! https://www.youtube.com/watch?v=W1MRpfzzoxQread 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!
📊 Hot inflation data and an AI selloff pulled stocks lower. The Nasdaq fell 1.88%, the S&P 500 dropped 1.11% and the Dow slipped 0.09%. September CPI rose 0.6% on the month and 3.7% on the year, above the 3.6% expected, with core at 0.3% and 2.6%, both a tick hot. ☁️ CoreWeave ($CRWV) nosedived 15.46% to $65.78 as worries mounted about how much debt tech companies outside the Magnificent Seven are taking on for the AI buildout. Its bonds got hit too, with the 2032 notes yielding 14.8%. Oracle ($ORCL) fell almost 9%. 🏦 Bank of America ($BAC) declined almost 5% after third quarter revenue missed. Regulators also hit the bank with more than $1.2 billion in federal penalties for failing to report over $5 billion in suspicious transactions. Morgan Stanley ($MS) beat expectations but still closed nearly 3% lower. 🥄 Bending Spoons ($BSP) ripped 41.20% to $53.46 after filings showed Berkshire Hathaway put another $330 million into the Italian serial acquirer, taking its stake to 4%. That follows $600 million invested during July’s Nasdaq IPO. 🥇 Morgan Stanley sees gold reaching $5,000 an ounce by the second quarter of 2027, keeping it as the bank’s top commodity pick. Strategist Amy Gower says central bank buying and ETF inflows have pushed prices above $4,000 even though the old relationship with real yields would put gold under $3,000. 🛢️ U.S. oil majors hit record intraday highs as crude climbed on Saudi-Houthi fighting and Iranian attacks on Hormuz shipping. Exxon reached $177.36, Chevron $222.20 and ConocoPhillips $142.50. WTI settled up 1.01% at $95.09, with gasoline averaging $4.33 a gallon against $3.08 a year ago. 👨🏻💻 Researched and written daily by @timemino read more
Everyone wants to find the next NVIDIA, but some of the biggest investment opportunities may be found in the industries supporting the modern economy. I’m talking about the sectors that keep businesses running, power our homes, build infrastructure, and support technological growth. Here are 6 sectors investors should understand and research. 👇 ⚡ 1. POWER & ELECTRICITY The world needs reliable electricity to support homes, factories, electric vehicles, and data centers. Stocks to research: • $CEG — Constellation Energy • $VST — Vistra • $ETN — Eaton ☢️ 2. NUCLEAR ENERGY Nuclear power is attracting attention because it can provide large amounts of low-carbon electricity. Stocks to research: • $CCJ — Cameco • $BWXT — BWX Technologies • $OKLO — Oklo 🏗️ 3. INFRASTRUCTURE & CONSTRUCTION Electricity grids, roads, industrial facilities, and data centers require significant infrastructure investment. Stocks to research: • $PWR — Quanta Services • $CAT — Caterpillar • $VMC — Vulcan Materials 🏢 4. DATA CENTERS & DIGITAL INFRASTRUCTURE Cloud computing, AI, streaming, and enterprise software all depend on physical infrastructure. Stocks to research: • $EQIX — Equinix • $DLR — Digital Realty • $VRT — Vertiv 🛢️ 5. OIL, GAS & TRADITIONAL ENERGY Even as renewable energy expands, oil and natural gas remain important parts of the global energy system. Stocks to research: • $XOM — Exxon Mobil • $CVX — Chevron • $COP — ConocoPhillips 🤖 6. SEMICONDUCTORS & ADVANCED TECHNOLOGY Chips power everything from smartphones and cars to cloud computing and AI systems. Stocks to research: • $NVDA — NVIDIA • $AMD — AMD • $TSM — Taiwan Semiconductor Manufacturing Company ⸻ 🧠 BEGINNER LESSON You don’t need to invest in every sector. Start by understanding what a company does, how it makes money, and what could cause its business to grow or struggle. 📊 FOR EXPERIENCED INVESTORS Go beyond the story. Study: ✅ Revenue and earnings growth ✅ Free cash flow and debt ✅ Valuation relative to expected growth ✅ Capital expenditure and industry demand ✅ Competitive advantages ✅ Risks that could invalidate the investment thesis A growing industry doesn’t automatically make every stock in that industry a good investment. The goal is to understand where the money is going, why it’s going there, and whether the current stock price already reflects those expectations. 💬 LET’S DISCUSS: Which sector are you most interested in researching right now? ⚡ Energy ☢️ Nuclear 🏗️ Infrastructure 🏢 Data Centers 🛢️ Oil & Gas 🤖 Semiconductors Drop your answer below! 👇 📌 Save this post as a starting point for your next research session. These companies are research examples, not buy recommendations. Educational content only. Not financial advice. read more
The greatest loss in 2026 is common sense. I dont like elon. Thats plain to see, but if I had to put a reason to it I would say it is because he is a salesmen first. Just a reminder that powerful people will say what is in there best interest first. We should do what is in our best interest first.
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
After nearly 21 years of picking individual dividend growth stocks, I finally reached a point where I had to ask myself the big question.... Do I want to spend the next 40 or 50 YEARS doing this???? When I started investing, I LOVED stock picking. I enjoyed reading quarterly reports, going through investor presentations, comparing valuations and trying to figure out which company in my portfolio was the best place to put my next dollar. And .... I still enjoy it!!! However, after nearly 21 years of doing it, I started looking at the amount of time I was spending versus what I was actually getting in return.... There is a pretty important distinction between being good at researching companies and actually being able to consistently OURPERFORM a broad market index AFTER fees, taxes, mistakes and all the other things that come with trying to beat the market AND add in the time you spent that could have been spent elsewhere, like at my day job. And the empirical data wasn't exactly making me feel better about my odds... it had been glaringly obvious for years. So I did something I never thought I would do as a lifelong stock picker..... I sold EVERY. SINGLE. STOCK. in my TFSA. And then I moved into 7 broad market ETFs 3 of which factor tilt. I still kept some factor tilting because apparently I wasn't quite ready to give up my active investing addiction entirely 🤪 The biggest change for me wasn't actually my portfolio.....It was my LIFE. I was spending easily 10 plus hours a week researching, monitoring and thinking about my investments. And even when I wasn't sitting at my computer, there was always that little part of my brain wondering whether I should be doing something differently. Now?.... My portfolio requires a fraction of the time. I've gained back more than 10 hours a week that I can spend with my wife, working on the things I actually care about or frankly just existing without thinking about whether some company I own is going to miss its earnings estimate by 3 cents and start to crash.. You can put any of the billion scenarios into that sentence and I was thinking of it (ADHD brain). The reduction in stress has been even more valuable than the time. I didn't even REALIZE I was carrying that market stress around... but my wife sure noticed! I'm no longer constantly asking myself whether I picked the right stock, whether I should sell something, whether I'm missing an opportunity or whether I'm doing enough to outperform the market. The funniest thing is.... well not really funny, kind of sad, after almost 21 years of trying to become a better stock picker, I ended up realizing that maybe the better decision was to stop trying so hard to be one. There was still one question I couldn't answer until enough time had passed.... Did I actually make the right decision? It's now been 10 months since I made the change. It's still a very short period of time... but enough to short out my feelings on things. I've just finished my latest portfolio update, where I go through all 7 ETFs, exactly how I've structured the portfolio, how I'm using factor tilts, and most importantly... What actually happened over those 10 months.... and how did the portfolio perform compared to my benchmark and the S&P 500. https://youtu.be/3khfZJ7SY0g I'm not going to spoil the results here..... watch to see whether I regret walking away from over two decades of stock picking.read more
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
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
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