$UPC is trading near an important technical area where price action may determine the next move. Key levels to watch: Current price: 6.35 Resistance: 6.50 to 6.75 Support: 5.80 Initial targets: 6.80 to 7.25+ Extended target: 10.00 to 12.00 Rather than chasing strength, many traders will be watching how the stock reacts around resistance. A confirmed breakout could improve the technical outlook, while failure to hold support would shift attention back to lower levels. In the current setup, patience and disciplined entries may matter more than speed.read more
The last month has been one of the most volatile in a very long time. The Nasdaq had one of the worst losses since the Dotcom days. I’ve learned my lesson from the “lost decade” and 4 major stock market crashes and 2 real estate crashes, a global financial crisis and global pandemic and 3 American lead wars and can say without question we are living through a major secular bull market and this is going to be a rough ride. We hear that diversification is so important to wealth CREATION and PRESERVATION. Yes, concentration builds accelerated growth but you’re also competing with the smartest, richest and most equipped hedge funds that move the market at their discretion. But understanding what and how diversification works to grow and PROTECT your wealth is even more critical to STAYING IN THE GAME, and being able to jump at the next opportunity. I’ve been told by enough senior executives and CEO’s that I’m one of the most STRATEGIC people they have worked with. I always found their impression odd, given that strategy should be the basis of every intention. Strategy begins with answering all of the following questions: - What is your end game? - What is the playing field? - What are the obstacles? - What are your resources, tools, techniques, knowledge and information available? - What is the opportunity? - What are the risks? - What are all the options? - What are the factored % probabilities of success and failure? Now go figure out a comprehensive plan that incorporates all of the above that has the highest probability of achieving the end game. But have a complete PLAN. Move forward with your OFFENSIVE moves, but have a DEFENSIVE plan. What if your plan doesn’t work? And you might lose 10, 20, 30% or more of your entire portfolio? Don’t tell me, well I’m in it for the long term. It can literally take decades to make it back. It took 20 years for me to recover my losses on Celestica and Bombardier. Today, our plan includes for capturing (1) growth of the global, US and Canadian economies and therefore stocks. Our plan includes for (2) currency fluctuations especially USD and CAD and the swings between them and growing a USD cash pile. Most Canadian investors don’t realize how much of their recent wealth is actually a loss due to the erosion of the value of the Canadian dollar vs USD. Our plan includes for (3) yield, both directly through individually selected dividend stocks, and indirectly from broad market ETFs. Yield of course is income and cash flow and as much as possible sustainable, reliable, and GROWING income and cash flow regardless of market volatility. My annual yield is now 2.5x my core expenses (not including discretionary “lifestyle” expenses). Almost approaching my target of 3 times safety. (Tip: you can’t get there with covered call ETFs over the long term) Our plan has (4) a cash management strategy and four sources of income streams, diversifying and not be reliant on any single one to cover core living expenses, and continually build a cash pile of “dry powder” including trimming growth stocks on the way up to buy quality for growth, dividends and diversification on the way down. Currently we are at 20% cash and growing. A Plan, a Strategy, Diversified, and a Defensive one for the reversal of the market at any given time. Nothing wrong with being a “prepper” and being able to “play” both sides of the market swings (no I don’t mean shorting!). This “project” has been a work in progress since 1997 and “floated” since retiring in 2022, tested for success with financial planning and modeling software that suggests 100% success rate via Monte Carlo simulations and other tests to fund our life, but I don’t take that as something for granted. I stay vigilant to changes in the global economy, politics and how the market reacts. Interesting enough, in the last 6 months we have made virtually no trades. Just sitting tight and watching… read more
One of the best parts about the Blossom community is how open everyone is sharing knowledge and experiences. To make things easier for anyone just starting their investing journey, here’s a simple glossary to help understand and simplify various terms. Common Terms: Dividend: A share of a company’s profits paid to shareholders, usually quarterly. Ex-Dividend Date: The cutoff date by which you must own a stock to receive its next dividend. ETF (Exchange-Traded Fund): A fund that holds multiple stocks or bonds, traded like a single stock. Covered Call ETF: An ETF that owns stocks and sells call options to generate extra income (higher yield, limited / capped upside). Earnings Report: A company’s quarterly financial performance summary. EPS (Earnings Per Share): A company’s profit divided by its number of shares. Market Cap: A company’s total value (share price × number of shares). ACB: The total amount you’ve paid for an investment, including the purchase price plus any fees or commissions. Book Value: The value of a company according to its financial statements (assets minus liabilities). Yield: Annual dividend as a percentage of the stock/ETF price. Liquidity: How easily an asset can be bought or sold without impacting its price. Volatility: The degree of price fluctuations in a stock or market. Index: A benchmark of stocks (e.g., S&P 500, Nasdaq, TSX). Bull Market: A period of rising stock prices and optimism. Bear Market: A period of declining stock prices and pessimism. False Breakout: When a stock’s price moves above (or below) a key level, making it look like a new trend is starting, but then quickly reverses back. P/E Ratio: Price-to-earnings ratio (stock price ÷ EPS), used to assess valuation. Blue Chip: Well-established, financially strong companies with a track record of stability. Diversification: Spreading investments across assets to reduce risk. Broker: A platform or firm that facilitates buying and selling investments. Limit Order: An order to buy/sell a stock at a specific price or better. Market Order: An order to buy/sell a stock immediately at the current market price. Bid/Ask Spread: The difference between the highest price buyers offer and the lowest price sellers accept. Dollar-Cost Averaging (DCA): Investing a fixed amount regularly to reduce the impact of market swings. Capital Gain/Loss: Profit or loss from selling an investment for more/less than its purchase price. IPO: When a company first sells shares to the public. Index Fund: A fund designed to mirror the performance of a market index. Short Selling: Selling borrowed shares, hoping to buy them back cheaper. Margin: Borrowing money from a broker to buy investments, which amplifies gains and losses. Margin Requirement: The minimum amount of your own money (equity) you must maintain in a margin account to open or keep a leveraged investment position. Margin Call: A demand from your broker to deposit more funds or sell assets because your account equity has fallen below the required margin level. Time Horizon: The length of time you plan to hold an investment before needing the money. Short horizons = more risk-sensitive, long horizons = more room to ride out volatility. Stock Split / Reverse Split: A split increases the number of shares (e.g., 2-for-1) while lowering the price per share. A reverse split reduces the number of shares (e.g., 1-for-10) while raising the price per share. Your overall value doesn’t change just the math. Long (Being Long): Buying a stock or asset because you expect the price to go up. Short (Being Short): Selling a stock you don’t own because you expect the price to go down, so you can buy it back cheaper later. TER: The total yearly cost of owning a fund, including the management fee plus other costs like administration, audits, and legal fees. MER: The annual cost that a fund charges for management (includes any leverage costs if used). Management Fee: A portion of the MER that goes directly to the fund managers for running the fund. Withholding Tax: A tax deducted on dividends/distributions from foreign investments (e.g., U.S. dividends to Canadian investors face a 15% withholding in TFSA/Non-Registered accounts). Total Returns: The full picture of an investment’s performance, including both price gains and dividends/distributions. CAGR: The average yearly growth of an investment over time. NAV: The price of one share of a fund (stock or etf) NAV Depreciation: When the fund’s share price goes down over time. Mutual Fund: A pool of money from many investors used to buy a mix of stocks, bonds, or other assets. Bond: A loan you give to a company or government, and they pay you back with interest. Asset: Anything valuable you own that can generate money. Portfolio: Your collection of investments. Option: A contract that gives you the right (but not the obligation) to buy or sell a stock at a set price. Future: A contract to buy or sell something at a set price on a future date. REIT: A company that owns real estate and pays investors income from rent. Alpha: A measure of how much better (or worse) an investment did compared to the market. Beta: A measure of how much an investment moves compared to the market. Sharpe Ratio: A way to see if returns are worth the risk taken. Hedging: Protecting your investments from risk. Rebalancing: Adjusting your portfolio back to your target mix of assets. FCF: Free Cash Flow Understanding these terms makes investing far less intimidating. If anyone feels other terms should be included, please share in the comments. I’ll update this post so we can build a complete beginner-friendly resource together! *Sorry tagged a few etfs for reach 🫣read more
Part 6 of my series on rethinking the Canadian ETF experience. Using price returns over the past five years (excluding distributions), an initial investment of $10,000 would have grown to approximately: • $XEQT: $17,164.75 • $VEQT: $17,325.00 That’s a difference of just over $160. The two funds follow very similar strategies, so their performance has remained remarkably close. Still, differences in fees, holdings, country allocations, and rebalancing strategies can eventually create different results. It’s a good reminder that even ETFs with similar objectives can take slightly different paths to reach the same destination. read more
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?
$MSFT has pushed above its downtrend line, but the weekly chart is approaching another important test. What stands out: Previous highs are now directly overhead. A strong green candle into resistance often brings enthusiasm, but it can also attract profit-taking. The trend has improved, yet reclaiming a downtrend line is only the first step. Holding above key resistance is what confirms a stronger breakout. For now, the chart is showing improving momentum, but the next move will depend on whether buyers can absorb supply near prior highs instead of fading after an extended rally.read more
Trump says he has CANCELLED the US attack on Iran and that the “perimeters of a deal” have been agreed to. includes the "complete" and "total opening" of the Strait of Hormuz. Filet Mignon for dinner.. or should I say tacos!? Weekend tech $QQQ nearly +1%
Well that puts an end to the so called “best month” of the year in terms of stock market performance. From a broad view, the S&P was completely flat, different story with high beta names of course. Would’ve finished green if today ended above $7,500. A wild wild month finally comes to a conclusion.. from Iran tensions to Citdels scare to Leopold’s liquidation, and a small rally to cap it off. However it ended, you survived. Let’s see what August brings. Enjoy the weekend 🤝read more
Part one explained how option premiums can become return of capital in a rising market. But how does it work when the market is falling? The simple covered-call theory is that you buy shares, sell a call option and keep the premium if the stock remains below the strike price. Once the option expires, you sell another call and repeat the process. That sounds straightforward when the share price remains reasonably close to the original purchase price. The problem becomes more complicated when the stock falls significantly. At that point, the fund must decide how aggressively it wants to continue selling calls. It could sell calls with strike prices above its purchase cost, but those options may generate very little premium because they are now far above the current market price. It could stop selling calls temporarily, but that means giving up the option income the strategy is designed to generate. Or it could sell a call closer to the current share price, even though the strike is below the fund’s original purchase price, and hope the stock does not recover above it. Suppose a fund buys a stock at $20 and sells a covered call above that price. The stock then falls to $16. The original call expires worthless, allowing the fund to keep the premium. To continue generating meaningful income, the fund sells another call closer to the current share price, perhaps with a strike of $17 or $18. Over the next month, the stock recovers to $19. The shares are still below the fund’s original $20 purchase price, so the fund has not fully recovered its loss. However, the new call is now in the money because the stock has risen above the $17 or $18 strike. The fund now has another decision to make. It can allow the shares to be called away below the original $20 purchase price, realizing a loss on the stock. Or it can buy back the call at a loss and sell another call with a higher strike, perhaps at $20 or $21, giving the stock more room to recover. If the stock continues moving up and down, the fund may repeat this process several times. Each time the stock rises above the latest strike price, the fund may realize another loss when it closes the call. Yet the stock itself may still be trading below the fund’s original purchase price. This can create an unusual situation where the fund may have an unrealized loss on the shares while also accumulating realized losses from repeatedly buying back covered calls. Those realized option losses can offset option premiums and other realized capital gains for tax purposes. As a result, cash distributions that might otherwise have been reported as capital gains may instead be classified as return of capital. The fund may still be generating cash from option premiums, dividends and successful trades elsewhere in the portfolio. However, after the realized option losses are applied, the fund may report very little net taxable income or capital gains. This can help explain how a covered-call fund can distribute a large amount of ROC even during a year when its underlying stocks have not performed especially well. The fund is still paying cash to investors, but the tax character of that distribution may be shaped by the losses created when its calls are closed and rolled. This is also where individual investors who sell covered calls on shares they own can misunderstand what happens when they roll an option. Because the broker processes the roll as one combined transaction, it can feel as though the investor simply extended the original trade and collected another payment. But a roll is actually two separate transactions. The investor first buys back the original option, closing that trade. A new option is then sold, opening an entirely separate trade. Suppose an investor receives $100 for selling the original call. Later, the stock rises and the investor pays $250 to close it. The original option trade has now ended with a realized loss of $150: $100 received minus $250 paid to close the option. At the same time, the investor sells a new call and receives $300. Because the investor paid $250 to close the old call and received $300 from the new one, the broker may display the roll as a $50 net credit. That $50 is real cash entering the account. However, it does not mean the original trade was profitable. The original option closed with a $150 realized loss. The new option brought in $300 of premium, but it remains open and does not yet have a final profit or loss. From the investor’s perspective, the cash flow can feel positive: $100 was received when the original call was sold. Another $50 of net cash was received when the option was rolled. The account has therefore received $150 in cumulative cash. But the tax and profit records tell a different story. The first option has already produced a $150 realized loss. The second option is still open, and some or all of its $300 premium may eventually be required to buy it back. If that new option is later rolled, the investor may receive another net credit while realizing another loss on the option being closed. This process can repeat several times. Cash may continue entering the account even as realized option losses accumulate. The credits are real cash flow, but they are not automatically profit. To determine the actual result, the investor must separate each completed option trade from the new option that replaces it. Rolling an option does not erase the previous loss. It closes one trade possibly at a loss and opens another. This is similar to what can happen inside a covered-call fund. Investors see cash distributions arriving in their accounts, but behind those distributions the fund may also be realizing losses as it closes and rolls its call options. An investor can be paid cash and realize a loss at the same time.read more
QQQ's Bounce May Not Be the End of the Story $QQQ finished the week above its 20-week moving average, improving the short-term technical outlook and opening the door for a potential B-wave rebound. The next move could take two paths. A stronger rally may retest the previous all-time high, similar to January's recovery, while a more modest bounce could retrace only part of the decline from the June peak. If the current rebound follows a classic corrective structure, attention would then shift to a potential C-wave decline. From a technical perspective, the 637 area, corresponding to the Q4 2025 and Q1 2026 highs, becomes an important level to watch if downside pressure returns. The coming weeks may determine whether this is the start of a new trend or simply a pause within a broader correction.
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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I launched a new series called PII Snapshot Studio. The goal is simple: explain, in about 30 seconds, the one or two things that actually matter before a company reports earnings. The first company is Palantir. Instead of reviewing every financial metric, I focused on what I believe is the single most important one heading into earnings: the Rule of 40. I'd appreciate your thoughts. https://youtube.com/shorts/j0dOnVkzD3o?feature=shareread more
🔥 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 🙏
📊 Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock. 🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. 💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth. 💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth. By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
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
$SPCX reports earnings on Tuesday. Early in my investing journey, I missed out on $TSLA because I didn’t believe Elon could pull it off. Obviously, I was wrong. Fast-forward to today: I received 20 shares of $SPCX at the IPO, picked up another 100 at ~$150, and have been buying more with my Robinhood Gold Card rewards. All told, I’m up to around 150 shares. That said, this earnings report might be rough. But I didn’t buy this company to flip a quick profit; I bought it for its potential.
Hello investors, I just started investing in some ETFs. The goal is to live off ETF dividends while adding growth ETFs. Any beginner strategy to start with? This is my portfolio, and I am very excited to start my journey to retire early. Please give me advice and experiences; I am willing to absorb them.
Iran 🇮🇷 says it has NOT agreed to any deal to reopen the Strait of Hormuz, according to Iranian sources cited by Fars News. U.S. President Donald Trump says the United States will hold off on launching a new attack on Iran, hoping a quick diplomatic agreement can be reached instead. 🤝 🚢 Ships continue to queue north of the Strait as Iranian armed forces maintain restrictions on passage. 📍 Why it matters: ⚓ Around 20% of the world's oil passes through the Strait of Hormuz 👀 Investors will be watching closely for any updates, as energy markets could remain volatile. 💬 Do you think diplomacy will succeed, or are further tensions inevitable? 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!!
I think a lot of people misunderstand why investors own and love $SCHD It isn’t just about chasing the highest yield or the most price appreciation. For most investors, it’s one piece of a diversified portfolio, not the entire portfolio. Its value tilt is meaningfully different from broad market ETFs like $VOO and growth-heavy ETFs like $QQQ , making it a natural counterbalance to growth-dominated portfolios. You get a combination of current income, dividend growth, and capital appreciation potential from a portfolio of profitable, established businesses. One thing I find fascinating is that $SCHD doesn’t have to make the highest highs to produce excellent long-term returns. Lower highs paired with higher lows can compound into returns similar to the broader market over time, often with a smoother ride. When fear returns to the market, investors often gravitate toward profitable, cash-generating businesses. That has historically helped $SCHD hold up better during many market downturns and is likely one reason it’s outperforming the broader market by such a wide margin this year. For me, it’s never been: ❌ Growth or $SCHD ❌ High yield or $SCHD It’s: ✅ Growth and $SCHD ✅ High yield and $SCHD You don’t have to choose just one. Build a portfolio where each holding plays a different role.read more
The market is closed today yet I still can’t get it off of my mind! After seeing what Trump said last night about reopening the Straig of Hormuz, I’m expecting tmrw to be very bullish. This also makes me have a bit of FOMO for selling my $MU shares. Not because I don’t have conviction in the stocks I replaced it with, but because I’m a very anxious investor. “What gains will I be missing out on? Did I just pass up a generational opportunity?” All those kind of things run through my mind, and I have no idea how to stop it. Anyways, I look forward to market open tmrw and to see where the cash is being thrown at!
Choosing your first ETF is like asking the internet what is the best pizza. Thirty seconds later you're in a battle in the comments... someone is yelling 'JUST BUY $VFV!!!!!' and another swears by an all in one like $XEQT, someone else says bonds are for dinosaurs grandpa... and somehow you're even more confused than when you started. (We all know the best pizza is a white pizza with mortadella and pistachio 😂) In my latest video, look at $VFV, $XEQT, and $XBAL, explain who each ETF is actually built for, and reveal the beginner mistake that causes investors to switch ETFs at the absolute worst time. And here's the TLDR or spoiler .... The "best" ETF isn't necessarily the one with the highest expected returns... it's the one you won't dump after your portfolio takes a 50% punch to the face 🙃😆 So, what do you think is the best investment for beginners? https://youtu.be/RDHggrJKbssread 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
One theme keeps showing up across earnings calls: Memory demand is still far ahead of supply. From $TSLA to $AAPL , more companies are highlighting the same issue: AI infrastructure requires massive amounts of memory, and supply constraints could continue for years. This is exactly why the memory cycle is getting so much attention. The bull case: • AI demand remains strong • HBM and DRAM demand keeps expanding • Supply additions take years to come online If this cycle becomes structurally different from previous memory cycles, companies like $MU and $SNDK could see significant earnings growth and valuation expansion. Some investors believe this could eventually support much higher long-term price targets. But the key variables remain: Execution, pricing power, margins, and how long the supply shortage lasts. The AI memory story is one of the biggest themes to watch through 2028.read more
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Cars are for transportation, not status. A paid off car should be the new status symbol... We need to normalize keeping a paid-off vehicle until the wheels fall off. That Honda or Toyota doesn’t become a bad car just because your neighbour bought something newer. Driving a car for 10–15+ years can quietly build more wealth than most people realize. My wife and have 2 vehicles. 1) 2016 Ram 1500 (paid off) 2) 2005 Ford Taurs (I bought for $2250 10yrs ago...and still drive to this day) We dont have the fanciest cars...but we are Millionares. I'd stick with the latter for now...maybe a really nice sports car when we hit 5 million invested in our 50s (projected) What are your thoughts on vehicles?read more
$GOOGL has been one of the cleaner AI setups on my watchlist. The $316 area on 7/26 looked like a true capitulation move rather than heavy distribution. Volume showed panic selling, but buyers quickly stepped in and defended the zone. Since then, the stock has bounced roughly 16%, confirming that demand was waiting below. From a technical perspective, the wave structure is improving, with the next areas I’m watching around $408 and potentially $450 if momentum continues. Short interest could remain a catalyst, but price still needs to prove itself. Market is moving. Still waiting for confirmation? Let's see how it closes. read more
Google Just Posted a Historic Quarter. The Market May Be Missing the Bigger Story $GOOGL delivered the most profitable quarter in corporate history, reporting net income above 100B for the first time, supported by gains from its $SPCX and Anthropic investments. Beneath the headline numbers, another figure stood out. Google's backlog has expanded to 514B, nearly five times larger than before, highlighting demand that continues to outpace available infrastructure. The market focused on negative free cash flow, largely driven by aggressive spending on data centers and AI infrastructure. But those investments are tied to expanding compute capacity and addressing chip constraints that currently limit how much of the backlog can be converted into revenue. The key question is no longer whether demand exists. It is how quickly Google can build enough infrastructure to unlock it.
Here’s where ETF investors moved their money this past week: 📈 Biggest Inflows • $SPY: +$7.72B • $SOXX: +$3.27B • $SMH: +$2.57B • $VOO: +$2.40B • $SDY: +$1.72B 📉 Biggest Outflows • $IVV: -$7.14B • $LQD: -$1.52B • $FTXL: -$839M • $1QMM: -$726M • $XLV: -$661M One trend stands out: investors continued adding money to broad market and semiconductor ETFs, while capital flowed out of investment-grade bonds and some sector-specific funds. Which ETF are you adding to your watchlist right now?read more
