$MELI Q2 Earnings This company just continues to prove what consistency is. - Revenue: $10.2B (+50% YoY) fastest growth in 4 years -Net Income: $466M net margin 4.6% - Operating Income $683M and 6.7% margins My thoughts after reading the letter of shareholders are simple. They are continuing to prioritize the business growth rather than short-term margins, management still sees an incredible opportunity ahead in LATAM and they will continue to invest in their ecosystem, continue to expand their competitive advantage, and drive long term cash flow. Of one the quotes I took away from the letter was this: "we continue to set the dial in a way that prioritizes long-term value creation over short-term profitability – a trade-off we make carefully, and only where we see clear evidence of the economics that will follow." As a shareholder of this company I could not be more excited about the future of this company.read more
goal got to .25 BTC im going to hold for a bit my only goals for the year is get DRAM to 3% of my portfolio its at 2% and get 1,500 shares of SCHD I'm currently at 1,470. Buying the does pay off!
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
Huge week coming up for you Blossom folks who are also holding $HHIS$HBIX$MSTE$TSLY$AMDY$NVDY 💰💰💰 My illl-gotten gains are likely going into one of my Brompton Positions ($LCS$PAYG$BMAX). What about everyone else? 🙃
When I need money in a down market! I’m still getting paid every week!! Every single cent gets reinvested back into assets! $BLOX$HOOW the investment flywheel in full speed 💨
Is $UBER one of the easiest buys in the market right now? Trading at 17x forward earnings while growing operating income at 43% YoY along with over 50% YoY Ad growth My overly conservative DCF gives us very strong gains by 2031 15% EPS CAGR 20x Exit P/E Gets us to $161 / share or returns 19% annually Why aren’t you buying $UBER here? read more
8,927 shares strong. Every penny above $33.60 puts the position north of $300K. Years of consistent buying, reinvesting every dividend, and staying disciplined through every market cycle. The journey is far from over folks. 💪 How many $SCHD shares are you holding right now?
Am I the only one that finds the "NAV erosion" discourse to be utterly stupid? CC fund investors talk about "oh this fund doesn't have any NAV erosion" and you look at the fund and it's some single stock CC ETF for a stock that's been performing well since the fund was launched. If you don't understand how these funds work, isn't it incredibly dumb to be invested in them? Before I invested into factor funds, I read books and academic articles about factor investing. Before I invested in a convertible arb fund, I read the textbook written by the fund manager on convertible arb. Why do "income investors" think it's okay to be so ignorant about the funds they invest in?
$NBIS breakout is currently following the expectations for the week. The stock seems to have some resistance around the $235 level, which is why I sold $260 covered calls expiring on friday to collect some extra premium. I averaged down during the past two weeks and am up 10% for the week. Marking levels and selling covered calls/cash secured puts will help you lower your cost basis as you wait. You are essentially making money by both collecting premium and the stock appreciating as it runs up. Of course the goal is to not get assigned so marking levels based on some technical anaylsis helps… So far I am waiting to let my covered calls expire and sit on my shares for earnings. Given how Microsoft, Amazon and Sandisk have performed I am positive the earnings will be astounding. Nebius to 400 is on sight for end of year.
Huge feature for people managing family money. I just linked two family members. Saves time logging in and out family accounts. Wealthsimple is empowering Canadian families via fintech. I love it.
This morning I realized that there are 7,000 of you following my financial journey. I’m so humbled, thank you. 🙏🏻 I remember what financially crippled felt like, stomach dropping before I even opened my banking app. Doing math at the grocery store, putting things back. That 3am anxiety where every “what if” feels like a countdown. Today looks different. Not checking my portfolio for days because I don’t need to. Booking a flight without the mental gymnastics. Standing in front of Trevi Fountain on a random Tuesday, mid-week, mid-year, simply because I can. I got here the boring way. No windfall, no hot picks, no timing the market. Just the same unglamorous decisions, repeated for years, until one day the weight was gone. I’m retired now, and my portfolio carries us further than my paycheque ever did. I don’t say that to impress anyone, I say it because I remember not having anyone show me this was possible. If this account helps even one of you get a little closer to your own “free,” I’ll consider it worth every post. Truly, thank you for being here. For reading, for asking questions, for trusting me with a small piece of your journey. This community means more to me than a follower count ever could. 🥂 Here’s to learning and growing together. read more
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🔥 On Saturday over 2,000 Blossomers came out from all across Canada for an incredible day of learning and connection! I was shocked to see close to 1/3 of folks travelled from outside of Toronto to join us, huge thanks to everyone who made the trip! ⚡️ The energy during the day was absolutely buzzing and it was so awesome to meet so many members of the Blossom community! Special shout out to Blossom's Creator of the Year @jacobb and Blossom's Rising Star @nettspend who won our community-nominated Blossom awards 👏 🌱 Blossom has grown from an idea, to an app, to a movement and BlossomCon is the biggest testament to that. To see 2,000 folks from all different walks of life take time out of their weekend to connect, learn, and build financial literacy together is exactly what Blossom is all about and I am so fired up to keep building for this amazing community 💕 😍 Can't wait for BlossomCon Vancouver and New York!!! (https://www.blossomsocial.com/blossomcon2026) 👏 Special shout out to the Harvest ETFs team for being our Headline sponsor for the 3rd year in a row and to all our amazing sponsors for making this event possible 🙏
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
$VOO– The responsible adult. Just keeps buying and doesn’t overthink it. $QQQM – The one who’s always talking about AI and tech. $SCHD – The one who reminds everyone to save money. They love seeing their dividend income grow year after year. $SCHG – The person who’s trying to beat the market. $JEPI – Wants a paycheck every month and is just waiting for that first week every month. Don’t take this seriously at all I just thought this was funny but let me know if u think this is accurate. read more
SpaceX $SPCX just partnered with Nvidia $NVDA to design 'Starmind' - a space datacenter satellite payload! This type of announcement before earnings in 20 minutes 👀
Hey guys we back! A couple things throughout the day: - stock market is now reading “greed” shockingly - $GOOGL had a rough day after deepmind CEO steps down of his position, not necessarily to worry about - stinky stinky intraday downturn by end of day lol.. - $SNDK -7% although a double beat. - $MELI and $AXON double beat, both are falling.. for some reason.. - $APP and $DUOL earnings reaction also terrible.. - $WDC and $FIG plummet too, both double beats The only stock surging.. $SOUN Very weird earnings reactions this quarter for sure..read more
$NBIS construction is rapidly accelerating for its Vineland datacenter before the city’s vote on the amended site plan, perhaps signaling confidence in approval. (Photos by Hunterbrook) $BE
🖥️ Portfolio 4 (Not listed on Blossom) 📈 MARKET REACTION $ALB🔺1% in after hours trading (tracking double beat + raise open) 🥊 ADJUSTED EPS BEAT: $3.75 vs $3.03 estimate (🔺3,309% YoY) 💵 REVENUE BEAT: $1.74B vs $1.59B estimate (🔺31% YoY)—due to higher pricing in Energy Storage (+73%)🔥 💰NET INCOME SURGE: $480M (🔺1,996% YoY)—due to major cyclical recovery from global lithium price crash in Q2 2025🤯 💲 ADJUSTED EBITDA: $858M (🔺155% YoY )—due to Adj. EBITDA expansion in Energy Storage (+229%) and Specialties (+61%)🚀 🦾 SEGMENT SALES STRENGTH: Energy Storage $1.28B🔺78% Specialties $423M🔺20% 📢 DEMAND SIGNAL: World’s largest producer and supplier of lithium for EVs, AI data centres, and green energy storage markets 🔭 2026 GUIDANCE RAISE: 🔹 Specialties Net Sales: $1.4B– $1.6B 🔹 Adj. EBITDA: $275M–$325M 🎯 CAPEX GUIDANCE LOWERED: $500M (🔻15%) 🌊 FREE CASH FLOW: $638M—swung from negative to positive💥 💬 While the market is fixated on a lithium “glut,” $ALB drops an earnings masterclass! Industry leaders keep stacking bags regardless! Hit the link to stay in the loop!👇 🌼 https://link.blossomsocial.com/7uYa/clmdygap ℹ️ www.prnewswire.com/news-releases/albemarle-reports-second-quarter-2026-results-302844113.htmlread more
I genuinely enjoy breaking down the pros, cons, and underlying mechanics of different investing approaches as I learn about them. I watched a recent video on the Better Call Paul YouTube channel that made me think about the approach some people take of getting a loan to invest and then using distributions from that investment to pay down the debt. This can be summarized more simply as frontloading exposure and then deleveraging over time. Distributions do not make an equity investment self-funding in any guaranteed sense. If returns merely match borrowing costs, some invested value may effectively be converted into a lower loan balance. Strong returns let you deleverage while retaining growth. Weak returns expose the flaw because the debt remains even when the investment falls. In bull markets, that’s obviously where you can have your cake and eat it too. But when things go downhill, that’s where this idea of a “self-contained engine” breaks down. This is the part I keep coming back to: the assumption that something can simply be self-contained. With a guaranteed product offering sufficient and predictable cash flow, perhaps, but not with a product tied to equity exposure. The distributions may power the engine, but the market still determines whether it is moving forward or consuming itself. That assumption of self-containment also seems to be behind some of the mistakes Chris openly admits to in the video, and I appreciate his willingness to share them with the audience. For some, the takeaway might simply be, “Well, I just have to pick the good funds.” But that’s easier said than done. It starts to sound a lot like a stock picker saying, “I just have to pick the good stocks.”read more
Congratulations to Jared on achieving the rising star award. We finally met in person today and he definitely made my experience super enjoyable! Thanks Jared you deserve it!!
Hello everyone, One criticism I frequently see on this platform about income investing, particularly covered-call ETFs, is that investors sacrifice gains once the underlying stock rises beyond a certain point. It feels counterintuitive. Yet, my observations seem to challenge that assumption, at least over shorter periods. In the attached screenshot, $AMD was up 8.80% as of 3:44 p.m. ET today, while $AMDY was up 12.95% at the same time. If covered-call ETFs cap upside participation, how can AMDY beat its underlying stock today? I'd genuinely appreciate an explanation from anyone familiar with the mechanics behind this. Cheers, A. read more
The S&P 500 printed a fresh all time high of 7,793.68 this morning and still finished slightly red. 📉 The Dow closed at a record 54,349, up 263 points (+0.49%), while the Nasdaq fell 0.83%. That split is a rotation, not a selloff. AMD and SpaceX both got sold after earnings that were fine but not lofty enough, and the money moved into blue chips instead of leaving the market. A record on one index and red on another reads to me like a handoff, not a top. I'm watching whether the bid comes back to tech tomorrow. Not financial advice, just my read.
Sharing for no reason whatsoever... Five popular, heavily owned names, some of which I've even seen called "must own", that I have absolutely zero interest in owning. Nothing against those who do, but I don't want them. $META - Amazingly profitable today, but I don't think the company's story ends well. $PLTR - If I can't trust the company, I don't want to own the stock. $SPCX / $TSLA - Elon has full say over corporate governance & I don't trust his judgement. Covered-Call ETFs - Fees are too high & I don't like having my gains capped.
I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors 😃 : 1) S&P 500: US: $VOO / $SPY / $SPLG Canadian: $VFV / $ZSP / $TPU 2) GROWTH / TECH: US: $QQQ / $VUG / $VGT / $SCHG Canadian: $QQC / $HXQ / $TEC / $ZUQ 3) DIVIDENDS: US: $SCHD / $VYM / $DGRO Canadian: $VDY / $XEI 4) ALL IN ONE / BASKET / Global Exposure: US: $VT / $AVGE Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves 🔥 For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. 😎 Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer 🙂 Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯 I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼 read more
It took me 15 years to hit 100k. Subsequently, it took me 4 years to hit 500k. I’d love to know what first popped into your head when you read that. For me, I would automatically think that this person’s earnings power must have increased significantly. That would be the obvious answer. But it couldn’t be further from the truth for me. I actually didn’t even earn an income for 2 out of those 4 years. So, aside from compound interest (🙌🏼), what made the difference? Awareness. Comprehension. Determination. But mostly TIME. For those first 15 years I worked hard. I worked all the overtime. Sometimes working illegal amounts of hours. I made stupid amounts of money and when I finally got a day off (sometimes after 3 months straight), I spent it ALL. Something changed when I took my first maternity leave in 2019. It was the first time in my adult life, that I had an opportunity to slow down. To get away from the grind. To be able to think about something (anything) other than progressing my career. I used that opportunity to teach myself something new. Arguably the most important life skill I’d ever learn. Money management. I invested in myself. I learned how to budget. I learned about the stock market. I started making educated and conscious decisions about money. So, the biggest difference between those two periods of my life was, TIME. Not earnings power. But having the time to learn important life skills that I never previously had the time for when all I did was grind. I know a lot of people will say they don’t have time to learn about investing and honestly, I GET IT, because I was that person! But my advice to those people now would be this: Make time. Step away from the grind and take the time to understand your finances. It’s arguably the most important life skill you will ever learn. Step away from work now (even if it means using a week of vacation), so that you can step away from work later. It’s the best gift you will ever give yourself. Most people think they need to grind harder, but maybe what they really need is to press pause for a second. Other factors that contributed to my portfolio growth: - Bull market - High risk tolerance - Growth stocks - Market timing - Employer match program - Stock Based Compensation program - Increased savings rate - Reinvested dividends - Luck 🍀 read more
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