$QQQ just erased half of its losses as Trump just posted: "The only control or “guardrails” that AI needs is a STRONG AND SMART (High IQ!) PRESIDENT, and the U.S.A. has that, in spades! The Trump Administration has stopped AI “people” from doing bad, or potentially bad, “things,“ like Dario (Anthropic!), who is now pretending to be a “perfect little angel”" A lot of stocks are bouncing 🤣
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
My strategy to try to minimize losses and maximize growth over the long term: 📈 When the market is near all-time highs: I focus more on income-focused ETFs like $QQQI and $SPYI, plus $SCHD. 📉 When the market drops heavily: That’s when I want to get aggressive and buy growth—S&P 500, Nasdaq, $FTEC, $SOXQ, and AI/technology-focused funds. The idea is simple: when growth is expensive, collect income and stay more defensive. When growth gets beaten down, use the opportunity to accumulate it at lower prices. Nothing is guaranteed, but I like this approach because it gives me a balance between income, stability, and long-term growth. What do you guys think of this strategy? read more
If I could go back and sit down with my 18 year old self, this is what I would tell him about money: 1. Start planning for retirement early Retirement might feel like a lifetime away when you're 18 or in your early 20s. But that distance is actually your biggest advantage. The earlier you start saving and investing, the more time your money has to grow. 2. Spend less than you earn. Just because you have money available doesn't mean you need to spend it all. Living below your means gives you more room to save, invest, and build financial security. 3. Create a budget Understand how much money you earn, how much you need to spend, and how much you have left for everything else. You don't need to monitor every dollar for the rest of your life, but you should have a clear idea of where your money is going. 4. Build a Small Emergency Fund At 18, you may not have any major expenses or financial responsibilities yet, so you do not need a large emergency fund right away. Still, it is a good idea to set aside a small amount of money as a safety net. Even $500 to $1,000 can give you a little breathing room if something unexpected comes up, such as a car repair, an unexpected bill, or replacing something you need. As your income, expenses, and responsibilities grow, you can gradually build your emergency fund toward 3 to 6 months of essential expenses. 5. Increase Your Income At 18, one of your greatest financial assets is your ability to increase your future earning potential. Building valuable skills, whether through a degree, skilled trade, certification, or hands-on experience, can create more opportunities and give you greater control over your financial future. Focus on building skills that are valuable in the marketplace. Gain experience, choose your career path carefully, and continue developing your abilities as you progress. As your skills and experience grow, look for opportunities to increase your income. This could mean negotiating your pay, taking on additional responsibilities, changing employers, or eventually building your own business. 6. Take Advantage of Tax-Advantaged Accounts Make sure you understand and take advantage of the tax-advantaged accounts available to you in Canada, such as the TFSA, FHSA if you are eligible, and RRSP. Each account has a different purpose and comes with its own rules and tax benefits. For example, a TFSA can be useful for flexible long-term saving and investing, while an FHSA is designed specifically to help eligible first-time home buyers save for a home. An RRSP can be valuable for retirement savings and provide tax deductions on your contributions. 7. Understand How Taxes Affect Your Money You do not need to become a tax professional. However, you should understand the basics of how taxes apply to your income, investments, capital gains, deductions, and registered accounts in Canada. The more you understand the tax system, the better you can make decisions about where you put your money and how you manage it. 8. Invest in a globally diversified ETF every week and or every single month. ⏺️XEQT.TO ⏺️VT ⏺️VXC.TO (These are great options)☝🏻 I'm not saying you can't invest in growth stocks, but in my opinion, especially as a beginner, ETFs should make up the bulk of your portfolio. Buy a globally diversified ETF and invest consistently in it over time. 9. Put Your Priorities First When your paycheck arrives, don't immediately start spending on things you want. Use this order: Income comes in → cover your essential bills → save and invest → spend what remains on entertainment and wants. 10. Don't Forget to Enjoy Your Life Building your finances matters, but you shouldn't spend your entire 20s focused on saving and investing. Travel when you can. Spend time with the people who matter to you. Try new things, take opportunities, and make memories. (Not Financial Advice)read more
3 years ago this month ... two major life events happened to me... I retired after a 37 year career... and in the same year 8 months before I retired... I decided to TOTALLY OVERHAUL all my bank manged portfolio into my PIIVERSE Income portfolio... including commuting my pension into it. looking back after 3 years... my retirement transition journey... and how my income portfolio has been successful beyond what I imagined... https://youtu.be/Y4ePJ27XlXE
I’ve gotten to know a bunch of you through Blossom events, messages, and just being around the community, but I realized I’ve never actually shared much about myself or how I ended up here. For those I haven’t met yet, I’m Tim, I’m 20, and I work as an intern on the Brand Partnerships team here at Blossom. My journey here has been a pretty unconventional one. Growing up, my entire world was gaming. I started playing Fortnite competitively at a pretty young age, eventually playing professionally and getting signed to some of the biggest organizations in esports, including Overtime. Then, before high school, I decided to walk away from it. I had spent so much of my childhood behind a computer that I wanted to experience a completely different side of life. Somewhere along the way, I fell in love with business. From flipping cars, to running Amazon FBA, to starting and eventually selling a landscaping business, I was constantly trying something new. Some things worked, a lot didn’t, but I loved figuring out how to build something from nothing. That same curiosity eventually led me to investing. I became fascinated by the businesses behind the stocks. How they made money, why some companies won while others didn’t, and ultimately where I wanted to put my own money. That interest eventually led me into finance and most recently private equity. For a while, I thought I’d stay on the traditional finance path. Then I joined Blossom. It was a completely different direction, but looking back, it brought together pretty much everything I loved: investing, entrepreneurship, technology, and building. And it’s genuinely been some of the most fun I’ve ever had. I’ve gotten to work on things I never expected to be doing at 20, travel across the country for BlossomCon, and learn firsthand what it takes to build a company. But easily the best part has been the people. Working alongside @tigertim , @maxstocks, @brandon , and the rest of the team has given me some of my favourite memories. Everyone here genuinely cares about what we’re building, moves insanely fast, and still manages to have a ton of fun doing it. The culture being built at Blossom is something really special, and I’m incredibly excited to see where we take it. I also want to hear from you guys. If there’s anything you love about Blossom, think we could do better, or want to see us build in the future, drop it below or shoot me a message. I’d genuinely love to hear it, and you’ll definitely be seeing more of me on here :)read more
$LRCX is sitting right on 200 ema and at a critical bounce point. it is also shaping up to be a Symmetrical Triangle / consolidation after a strong prior uptrend. there are several catalysts lined up such as upcoming earnings, AI HBM spending, advanced packaging requirements, among others. But what is interesting is Lam increased its quarterly dividend 27%, from $0.26 to $0.33, with payment scheduled for October 14 to shareholders of record September 23. The chart is sitting around $273–275, right around the lower portion of the symmetrical triangle. Meanwhile, the fundamental story is increasingly bullish. My preference is to wait for a $300–305 breakout/retest before going bullish. Hopefully, RSI and MACD would start turning bullish by then as well. how are you playing this?read more
Selling my $AMD position and getting more concentrated in the companies I have the highest conviction in. My thesis on $NVDA is pretty simple: I believe AI infrastructure still has a ton of room to grow, and NVIDIA is in the best position to benefit. They have the GPUs, CUDA ecosystem, networking, and relationships with the biggest AI companies and cloud providers. $AMD is a great company, but I’d rather put that money behind the AI chip company I have the most conviction in. For me, that’s NVDA.
You know what hurts my heart? Steve Jobs died in 2011. The latest iPhone out at the time was the 4S. $AAPL traded at roughly $10 a share. If only Steve Jobs knew what he created. read more
I’d love to see $NFLX back in the $70s and $UBER back in the $60s. Not because I’ve changed my mind on either company. The opposite. I want cheaper prices to keep building both positions. If the market wants to give me another chance to load up, I’ll gladly take it.
Every day there's another headline about how AI is going to kill us all... with Sam Altman recently delaying the OpenAI IPO and implying that AI has a 10% chance of killing everyone by the end of the decade. Every time I see this kind of stuff I somewhat wonder how much of it is a real risk vs a marketing play to pump the stock... One Bloomberg opinion piece calls it "AI Panic Marketing": basically the message that "we're building a powerful, godlike AI that could end the world" is a form of advertising. On the other side, more than 1,000 employees across the frontier labs signed a letter this summer warning that competitive pressure was preventing anyone from slowing down, so I'm not really sure what side I'm on What do you guys think?
$U IPOd in 2020 at $75 and a year later hit $210 before bottoming at $14 in 2024. The funadamentals were shiite at this point. Their products and financials have improved and profitability is in sight. Is Chris Camillo correct and they are a picks and shovels play as AI meets gaming? If yes, this stock is a coiled spring that could launch in another earnings call or two. Rule of 40 = 9.2% Operating Income Margin = -16.5% Free Cash Flow Margin = 29.6% Return on Invested Capital = -10.4% Cash to Operating Expense Ratio = 125.2% Debt to Total Assets Ratio = 34.8% Buy prices, growth rates, price targets, chart comments, etc in the article.👇 https://www.patreon.com/greengarage/posts/u-unity-software-169570459read more
$OSCR closed at $33.81 today and is now up roughly 128% YTD. Even after this run, I still believe $45+ in 2027 is very achievable. CEO Mark Bertolini said the 2027 pricing environment has been rational so far and that Oscar is “pretty confident” it is in a good place. Management also believes the ACA market has an opportunity to remain stable or grow while Oscar continues taking share. Oscar is already reaching its long-term SG&A targets ahead of schedule, has more new products coming in 2027, and just raised its 2026 earnings outlook after a record first half. The stock has already had an incredible year. I still don’t think the run is finished. $45+ remains my 2027 target for $OSCR. read more
I see a lot of people posting about buying OTM calls especially LEAPS That “cheap” OTM call may be the most expensive option on the chain. A low-priced out-of-the-money call can feel like a bargain. “Why buy the $6 ITM call when I can buy the $0.60 OTM call and control the same 100 shares?” Because the $0.60 call contains zero intrinsic value. You are paying 100% for extrinsic value: time, implied volatility, and the possibility that the stock makes a large move before expiration. Example A stock is trading at $100. $110 call costs $0.60 Break-even at expiration: $110.60 Intrinsic value today: $0 That means the stock has to rise more than 10% just for the contract to break even at expiration. Now compare that with a $90 call costing $11 $10 is intrinsic value Only $1 is extrinsic value The option is more expensive upfront, but much less of the purchase is pure uncertainty do not confuse cheap premium with cheap exposure. The lower-dollar contract often requires the biggest move, has the least room for error, and can lose 100% of its value very quickly. Before buying any call ask yourself “How much of what I am paying is intrinsic value and how much is just hope?” Make sure you understand Intrinsic value and Extrinsic value of an Option read more
TL;DR Will re-buy in 35-45 days though. Since I started to document my investing journey on Blossom for nearly 3 years now, I’ve always been very transparent about my losses and gains, so I thought I would share a little more about my tax-loss harvesting plan with you! As you know, I thought that space stocks crashing 30% crash in early June was basically the greatest deal ever with some companies trading at more juicy metrics in a long time, so I bought even more (on margin, but not much) The thing is that space stocks kept falling double digits, so as my TFSA shrinks, so the collateral available on my margin. Plus the collateral decreased further as my $LUNR position shrank inside my margin too. I was getting more and more in the over-leveraged territory, but somehow, and for those wondering, I managed to never get the special call from Wealthsimple, but I was not far away 😅 My $LUNR position in my margin account ended up down around 60%. Small caps and space stocks have been hit hard by the SpaceX IPO, macro uncertainty, fears of rate hikes, etc. Meanwhile, $LUNR now trades at roughly a 3.5x forward P/S, while many other space stocks trade at significantly higher multiples around 75x ($RKLB) to 150x ($ASTS) and even 420x (hey $SPCE) $LUNR is also expecting positive adjusted EBITDA and roughly 4x revenue growth for full-year 2026. Btw, the stock has a $1.8B backlog which is more than half their market cap 🤦♂️ So yes, I still think $LUNR is insanely undervalued, which is exactly why I didn’t want to sell! This was for context. Earnings are still about 60 days away, I don’t really see the macro environment improving much before November and I currently have a couple of grands in losses I can potentially use for tax-loss harvesting. So here’s the strategy I chose: 1. I (temporarily) sold the $LUNR position in my margin account that was down around 60% to harvest the loss. 2. Since I can’t repurchase the same position within 30 days without risking the superficial loss rule, I’ll probably wait around 35–40 days just to be safe. 3. The risk is obviously that $LUNR surges higher during that period and I lose the chance to buy back at these levels. But if the stock falls I can potentially rebuild the position at an even lower price. Time will tell! 4. In the meantime, I continue to hold 400 shares of $LUNR in my TFSA. If $LUNR increases, so the collateral in my margin. Finally taking a decision on this feels like a relief. Sometimes you just have to take advantage of the opportunities you have to realize losses when it makes sense 🫡 Looking forward to re-increase my $LUNR in 35-40 days before earnings.read more
Hello beautiful people of blossom, I’m extremely thankful to everyone who engaged with my earlier Hedge fund hunt posts.. today I am sharing with you the last and JUICIEST iteration of this series... The 3-fund Cluster of companies. (Sorry it took me this long to post, as you can imagine it's a lot of work) If you're new to the series I tracked the 13F filings of 11 of the world’s best specialist hedge funds in small-caps, biotech, technology, etc. to identify companies where a cluster of investors opened new positions or heavily accumulated during Q2. Read more about the series here: https://link.blossomsocial.com/7uYa/gz4jpjd7 https://link.blossomsocial.com/7uYa/q3wnz829 I’m short-listing 4 companies I'd like to dig into for this post, but as always the full list of companies where 3 funds are buying or accumulating during Q2 can be found in the attached image. Let’s get cracking: 1. $ASND - $3.1B invested capital Danish biopharma that solved a real problem: patients with hormone deficiencies typically need daily injections for life. Ascendis built a proprietary TransCon platform that releases the needed medication slowly in the body over a week instead of hours. Same drugs, but dramatically fewer needles. They've already commercialized this across three rare diseases and Q2 results are showing the commercial impact. - Q2 revenue: €315M (+105% YoY) - Operating profit: €220M vs. operating loss a year ago - Guidance: €5B revenue by 2030 Catalyst: crossed from unprofitable to profitable and three independent biotech specialists (RA Capital, Perceptive, GGHC) all opened new positions simultaneously, betting on this transformative solution that can be applied to a wide array of diseases. ---- 2. $DOCN - $700M invested capital This one is pretty interesting and the operative word is TRANSFORMATION. DigitalOcean built its business as the simpler alternative to AWS and similar providers, serving 600,000+ developers, startups, and SMBs. Now it’s extending that same simplicity to AI letting customers deploy and run models without managing complex GPU infrastructure. - Q2 revenue: $281M (+29% YoY, accelerating from +14%) - AI customer revenue run-rate: $234M (+212% YoY) - AI model-hosting revenue: +800% YoY - Contracted backlog: $894M locked in across 3.7-yr avg deals Catalyst: 6,000+ customers adopted the AI engine within weeks of launch, token volume up 30x in 60 days. This isn't speculative AI exposure it's signed multi-year contracts with 40% margins already printing. —— 3. $FRVO - $47M invested capital Ok full disclosure I'm already invested in this one, along side 181 institutions who now own 64% of float putting in $2.8B since IPO. Fervo the most interesting name on the list in my POV took the same horizontal drilling and hydraulic fracturing technology that unlocked the U.S. shale revolution and pointed it at a completely different problem: geothermal energy. The concept is straightforward they drill miles down into hot rock, inject water, collect it superheated from a parallel well, and use the steam to generate electricity. The earth's heat doesn't run out, the sun doesn't need to shine, the wind doesn't need to blow. It produces power 24 hours a day, 365 days a year, with zero carbon emissions. The timing is everything. AI data centers need billions of watts of new energy with no good way to supply it. Solar and wind can't run a data center overnight, Nuclear takes a decade to permit, but FRVO can go from drilling to delivering power in under two years and Google is already signed on as a customer (And investor) - IPO: May 2026, raised $1.89B (15x oversubscribed) - Contracted backlog: $7.2B in binding power purchase agreements - Cape Station (Utah): 500 MW, first power delivering to the grid now - Backers: Google, Bill Gates (Breakthrough Energy), Devon Energy - Cash: ~$2B+ post-IPO Catalyst: Cape Station is going live right now and it’s the first commercial-scale geothermal system in U.S. history. If it delivers at the cost and reliability Fervo is projecting, it validates an entirely new category of always-on clean power at the exact moment the world is desperate for it. —— 4. $MAMA - $21M invested Capital Here I want you to ask yourself one question: Why Would 209 institutions buy up 92% of available float of a micro-cap deli foods business? Well, they aren't buying meatballs 😂, they are buying the only public player in a $40B category that is about to explode when times get tough for consumers. Grocery chains are desperate to expand their deli sections but need an outside supplier who can deliver restaurant-quality prepared food at scale, ready to merchandise, with no in-store labor required. Mama's Creations is becoming that supplier. - Just rolled into 2,000 Walmart and 750 Target fresh deli sections in May 2026 - Already in 12,000+ stores — Costco, Kroger, Sam's Club, BJ's, Publix, Food Lion - Growing at 5x the category growth rate and it's volume-led, not price. - Multi-brand portfolio: MamaMancini's, T&L Creative Salads, Olive Branch, Crown 1. They cover proteins, salads, sides, globally-inspired flavors. Catalyst: This is a small company, big category, right secular trend, founder-led, rolling up fragmented competitors. Counter Cycle business, when the going gets tough consumers trade down and this will be a massively popular option for pre-cooked meals. —— As I mentioned I’m already invested in $FRVO and I'm starting a position in $MAMA bright and early tomorrow. $DOCN is a potential LEAPs options candidate if I can find a decent setup. There you have it the Finale of my Q2 Hedge fund hunt, I hope you guys enjoyed it and found some interesting investment opportunities to explore during this 3-part series. If you’re interested in seeing more research of this sort I'd invite you to follow my account for future releases. I’ll see you guys again in November for the Q3 findings 🤑 read more
1. Buying into $VST (attractive valuation, insider buying, other notable buys) 2. Buying $AS and $AMZN 3. Selling out of $QQQM and shifting to more of a S&P only lead. (As my core puller) 4. Thinking of buying into some other large cap/mega cap tech to fill my qqqm void ($GOOGL, $AVGO , $CRDO , $MU$SKHY ) What do you guys think? 👇
If you had $100,000 to invest for the next 20 years, would you rather: A) Build a dividend portfolio and collect income along the way B) Focus on growth stocks and worry about income later I personally lean more toward growth while I’m younger, but I can definitely see the appeal of building a portfolio that eventually pays you every month. What’s your choice? A or B? And why? $VOO$SCHDread more
