Blossom — Social Investing Community

Omar

@wealthwhisperer

Beginner Investors · 14m

Who’s Selling NVIDIA? 😱

If you want to know who’s selling $NVDA, look no further than the quant, high frequency traders.

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Sarah Giver

@staystronggiver

Community · 🔥 Hot

Most people don't have it figured out!

Investing like life requires courage and conviction. We all have terrible days.

Markets are red this week because when it rains...it pours.

For Halloween, my son wanted to dress up as Micheal Jackson from the Thriller music video. I challenged myself to make my Halloween costume (a zombie back up dancer) without spending any money whatsoever. I had plaster bandages lying around because of my previous job in healthcare. I used it to make a 'terrifying' zombie mask. Although my husband joked it was an improvement 😅. Just my luck a FedEx delivery came to my home during the 20 minutes that the plaster bandages needed to set. I couldn't even open my mouth when I answered the door. I scared the poor delivery man!

I tried my best to create some childhood memories for my son, but he HATES trick or treating and was miserable the whole time.

To quote him:

'Mama knocking on people's houses and expecting to take something home is ROBBERY'.

Parenting is one of those roles where you always feel like you're failing, but you just got to laugh and keep going.

I also had a stressful day at work and I ended up yelling at my boss in frustration (and getting written up for it). Everything is good now, but I figured I'd share because I want to make it clear that despite online appearances, NO ONE HAS THEIR SHIT TOGETHER!

Never compare your investment/career/personal life journey with people's online 'highlight' reel. We are all fumbling and just trying to do our best. I am proud of y'all for showing up and staying invested. The only one amongst us who has never bought high and sold low at some point....is the person who's never invested!

Cheers to spooked market blood baths and whatever life throws at us. We will all get through it together. ❤️

Let me know how you like our costumes!

PSA if you make a plaster mask, remember that you MUST put Vaseline all over your face first!read more

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Zain @zains

Beginner Investors · ⭐ Featured

Beginner’s Guide to Stock Market Terms

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

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Vikas

@passiveincomagnet

Passive Income · 17m

10 BEST CC ETFs EP. 2 IS LIVE! | 10%-20% YIELD 🔥

After screening 300+ ETFs, we’re now in the middle of my 3-part Canadian Covered Call ETF series! 💰📊
🟢 EP. 1 → 6%-10% | Income + Growth ✅
🟡 EP. 2 → 10%-20% | Balanced Income ✅ LIVE NOW
🔴 EP. 3 → 20%-30% | Aggressive Income 🔜🔥
🎁 10 ETFs + 2 BONUS picks
💰 Plus my $100,000 income comparison
🎥 WATCH EPISODE 2:
👇 Which ETF from Episode 2 would YOU pick? 🔥
👉 https://youtu.be/2bXZ9jnZbDoread more

8 views

Maxwell

@maxstocks

Market News · 4d

🤑 What Blossom investors bought/sold on crash day

🔍 Just did some analysis from the $500m in trading on Blossom this week - any surprises?

👀 Most interesting to me was this first chart… folks with $100k portfolios were buying, folks with <$10k portfolios were selling…

Linking the tickers below for easy access:

🤑 What Blossomers bought yesterday:

- $NVDA
- $GOOGL
- $TQQQ
- $HHIS
- $SOXL
- $QQQM
- $TSM
- $BE
- $QQC
- $ZSP

😰 What Blossomers sold yesterday:
- $AMZN
- $META
- $TSLA
- $MU
- $SNDK
- $APP
- $CASH
- $MSFT
- $HOOD
- $NBIS

🔄 The biggest shifts (positive)
- $NVDA
- $MU
- $SHOP
- $PLTR

🔄 The biggest shifts (negative)
- $IREN
- $NBIS
- $GOOGL
- $APP
- $AMZN
read more

🤑 What Blossom investors bought/sold on crash day — image 2 of 4

🤑 What Blossom investors bought/sold on crash day — image 3 of 4

🤑 What Blossom investors bought/sold on crash day — image 4 of 4

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Brad Forsey

@bforsey

Rate my Portfolio · 21m

20 months in…

🤔🤔🤔

2 views

Mr Financial

@mr.financial

Beginner Investors · 🔥 Hot

Should You Buy the Dip? What dip? 🧐

"Buy the dip!" That drum is beat soooo often on social media. Sounds simple enough. The market drops half a percent or even a percent or even more, you buy more, and eventually the market recovers. EASY right?

There's one little problem though. You actually have to know WHEN to buy.

Look at the chart I'm sharing. The market experiences declines of 1% or more VERY often.

These aren't extraordinary events. They're part of normal market behaviour. Yet every time they happen, investors start talking about buying opportunities, waiting for a bigger correction or keeping cash on the sidelines until the market drops further.

But is buying the dip actually a better strategy than staying invested?

A 2024 study published in the European Financial Management journal by Stefano Bonini and two other academics examined exactly this question.

Their research compared holding cash and waiting for market declines against investing in a stock market ETF... so it was pretty relatable for the average DIYer.

What did they find???

Buying the dip does NOT necessarily maximize your real ending wealth. The results are HIGHLY SENSITIVE to market conditions when you begin investing.

Something else to note, under certain conditions, buying the dip can improve risk adjusted performance compared with passive investing or traditional dollar cost averaging. BUT there's a MASSIVE catch..... the strategy is subject to estimation risk.

In other words, you have to make assumptions about when the market offers an attractive buying opportunity and getting those assumptions WRONG can undermine the strategy.

This is why I don't actively "buy the dip" or suggest other too.

I don't want to sit on cash waiting for a correction that may take months or years to arrive. And I don't want to turn investing into a guessing game where I have to decide whether a 1, 2, 3, 4, 5% decline is enough, whether I should wait for 10% or whether the next 20% drop is just around the corner.

My strategy is to stay invested, maintain my asset allocation, and rebalance when necessary.

Does that mean you shouldn't invest when the market is down???? Absolutely not!!!! If you have new money to invest, a market decline doesn't need to scare you away.

There's a difference between investing consistently when markets are down and holding cash specifically because you're trying to time the next dip.

In my October Portfolio update, I share what I did during the tech sell off and what saved my portfolio. If you don't know my investment style, you'll be surprised what did!

https://youtu.be/H5JMG8Z_okg

What about you? Do you actively buy the dip or do you prefer staying invested and letting the market do its thing?

read more

1,896 views

Retired

@retired

Personal Finance · 🔥 Hot

I’m Cheering You On

No one sends you a congratulations card when you make the final payment on the debt that’s been suffocating you. No one celebrates when you open your TFSA and make your first $100 equity purchase.

Your friends might notice when you stop buying Starbucks every morning, but they won’t see the bigger picture.

No one applauds when you choose to invest instead of upgrade your car. When you stay home instead of spending money to keep up with everyone else. When you increase your savings rate instead of your lifestyle.

When you keep buying through a market downturn while everyone else panics. When you reinvest your dividends instead of spending them. When you say no to something you want today because you’re building something bigger for tomorrow.

When you keep going for years without much to show for it except a growing account balance and the quiet confidence that you’re doing something right. Wealth is built in the moments nobody notices.

And then one day, you realize your investments can cover your living expenses. Your money is working while you sleep. Your future feels less dependent on a paycheck. Your choices are no longer dictated entirely by what you can afford this month. You’ve bought yourself something far more valuable than things.

You’ve bought yourself options. Freedom. Peace of mind. And perhaps the most rewarding part? You don’t need anyone else to notice. You know what it took to get here. Keep going. The quiet years are building something powerful.read more

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The Market Matrix

@themarketmatrix

Market News · 5d

Seems like the Democrats don’t own any AI stocks.. 😅

$QQQ -3%

$BE -14%
$PENG -14%
$AEHR -13%
$AAOI -12%
$AMD -11%
$NBIS -11%
$IREN -10%
$LITE -10%
$VRT-10%
$CRDO -9%
$COHR -9%
$SITM -8%
$CIFR -6%
$MU -6%
$NVDA -4%

They only own stocks like $WMT apparently..read more

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Andrew T

@andt987

Passive Income · 2h

Bought

NVHE @ $9.82

↑ position by 5%

1.20→1.26%

of total portfolio

Verified by Blossom

NVHE Outperforms NVDA Since 2025 Liberation Day

Hasn’t touched single digits since Liberation day 2025. Still outperforming the underlying NVDA since common inception so it was a no brainer to add again

34 views

Tanvir

@tanvirmk

Analysis · 28m

Finding tech stocks using 3 criteria

Show me list of Nasdaq stocks or AI chip stocks with all 3 criteria:
1. how much free cash flow the business actually produces per dollar of revenue, and whether it's growing.
2. P/E that isn't extreme (say under 25)
3. consistent revenue growth.

Here is the list:

74 views

Moe

@moe_on_margin

Options · 🔥 Hot

SPY Calls Going Sideways All Day

Continuing the daily endeavor to ride the volatility with SPY 0DTE or 1DTE calls/puts options. (Today was too much headache for my taste )

an extremely choppy day for options with the S&P fluctuating all day long without a clear trend up or down.

Had to Avg. down a few times intraday to make some gains which is why the investment value is elevated today and in a lot of cases not worth the risk, but managed to net out +9.7% return despite the rollercoaster ride. (Smart thing to do was sit it out after the first 1 or 2 trades, but got a little greedy 🥴)

Just to put it simply, today wasn’t the best day for this and it was NOT fun… I don’t know how you day traders do it, I absolutely hated the chase all day, was a great reminder of why I hate day trading 😅😅

We now have a lot more sample data to share with everyone on Friday as I post about the whole methodology and learnings.

Today’s Haul 5 trades (1 -ve and 4 +ve):

Total invested: $3,477.00
Total cash out: $3,815.00
Profit: +$338.00
Return: +9.72%

Started out positive then flipped and then flipped again and again.

Do not do this at home 😅read more

SPY Calls Going Sideways All Day — image 2 of 5

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Chantelle

@by.chantelle

Market News · 2d

Nvidia’s CEO admitted an affair. Now what?

Nvidia’s CEO Jensen Huang has admitted to an affair with Alice Huang, an executive US intelligence officials reportedly suspect of working for China. Nvidia’s board has launched an independent investigation.

His private life is his business. But when one person is this closely tied to a company, it also becomes a shareholder question.

Here’s what I’m thinking about as an Nvidia owner:

Key person risk. Jensen co-founded Nvidia and has run it for 30+ years. Very few CEOs are this central to their company’s story.

Security, not scandal. The bigger issue isn’t the affair, it’s whether any sensitive information was exposed. That’s what the investigation will focus on.

Could he be forced out? CEOs have stepped down over relationships before. Intel’s Brian Krzanich resigned in 2018 and McDonald’s Steve Easterbrook in 2019, but both broke company policy on relationships with employees. This case is different, and we don’t know yet what the board will find.
Where do you stand? Should he stay, or step down? 👇🏾

Not financial advice. My own journey and opinions. I own NVDA. Capital at risk.
read more

Should Jensen Huang stay as CEO? Stay / Step down / Too early to say

STAY

STEP DOWN

TOO EARLY TO SAY

239 votes · 3d left

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Michael Brownstein

@michaelbrownstein

Passive Income · 49m

My $346K Income ETF Portfolio Is DOWN!

🚨 NEW VIDEO IS LIVE! 📉

My $346K Income ETF Portfolio Is DOWN!
What happened to my portfolio, and what would I do differently?
In this video, I'm breaking down my holdings, including:

🔹 $XQQI
🔹 $TDAQ
🔹 $OVL
🔹 $NVII
🔹 $EGGY

I'm discussing portfolio drawdowns, single-stock risk, stop losses, and whether I'd make different decisions if I could start over.
I'm keeping it real — the good, the bad, and the lessons learned.

👇 WATCH NOW & LET ME KNOW WHAT YOU WOULD DO!

https://youtu.be/oH1uzDDzqE0?si=GcOUD25Nyw3ext1j

I'm not a financial advisor. This is not financial advice and is not a recommendation to buy, sell, or hold any security.

#MyRetirementTrading #IncomeETFs #PassiveIncome #ETFInvestingread more

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Jesse Franklin

@pinnaclewealth

Beginner Investors · 53m

Discussing Non-Index Sleeves with SPY/QQQ Holdings

Core holdings in SPY/QQQ are fine.
The edge is what you pair them with.

What non-index sleeve are you actually running right now?👇

28 views

Brad Brunton @bradbrunton

Beginner Investors · ⭐ Featured

Summaries of some of my favorite investing Books 💯

For those who don’t have the time

Summaries of some of my favorite investing Books 💯 — image 2 of 5

Summaries of some of my favorite investing Books 💯 — image 3 of 5

Summaries of some of my favorite investing Books 💯 — image 4 of 5

291K views

Maxwell

@maxstocks

Technology · 🔥 Hot

😎 I met Dan Ives! Here's his thoughts on markets

🎤 Had a chance to meet and listen to Dan Ives (one of the most iconic tech analysts on Wall Street) and hear his thoughts on the Nvidia drama, the Anthropic IPO, and where he sees the opportunity in tech!!

He called this a “white-knuckle moment” for the tech trade but still thinks we’re in the 1995 internet moment of AI. Here’s my recap 👇

🤖 On Nvidia and Jensen

😬 Called it a “black eye moment” for Jensen and $NVDA. By his read, the market is pricing a 15-20% chance Jensen gets removed as CEO depending on how the congressional scrutiny plays out

📉 If that happens, he thinks the stock drops 25-30%. Jensen is the “central nervous system” of the whole AI ecosystem and Nvidia has no real succession plan

✅ He's still very positive on Nvidia but said the stock is basically trading on one question right now: is Jensen there or not?

--

🚀 Where Dan is bullish

☁️ Hyperscalers: $MSFT , $AMZN and $GOOGL (and even $META) are “more valuable today than they were a week ago”. They already own the compute, so new restrictions on data centers give them more leverage and let them narrow the gap vs Anthropic and OpenAI

💻 Software over semis: thinks we’re entering the “use case phase” where AI finally gets monetized and called out $PLTR , $SNOW , $CRM and $NOW

🛡️ Cybersecurity: $CRWD , $PANW and $ZS

⚡ Energy: “AI doesn’t happen without energy.” We need 4-5x more power than we have today and he thinks nuclear has to be the answer (China has built 23 nuclear facilities in the last few years while a lot of US data centers are stuck waiting for power)

--

😰 Where Dan is bearish

☁️ Neoclouds: “a game of musical chairs, some left without a chair.” With rates and credit spreads where they are it’s hard for $CRWV to raise capital. He sees $NBIS as the best positioned, but called the group a headwind, not a buying opportunity

💸 Debt-heavy AI plays: used $ORCL as the “poster child”... take on that much debt and it’s hard for the stock to work

🏛️ Politics: his #1 worry for tech isn’t valuations, it’s the political environment and the anti-data-center push since the election. “Every data center that gets voted down, China ultimately wins”

--

🧠 On the Anthropic IPO

💰 Thinks ~$1T is the right valuation to go out at (more “digestible” than $1.4-1.5T) and that a successful IPO matters more than stretching it

🔮 Long term he thinks they can get to $500-700B in annual revenue, but warned newly public companies take years to build out and any speed bump gets punished... pointed at $SPCX as the example

👀 Curious what you guys think!!

P.S. shout our Direxion ETFs for inviting me to this event! Tagging a few of their ETFs as a thank you - feel free to check them out 😎 read more

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Ryan Henderson

@hendy456

Beginner Investors · 2d

Hey everyone just a friendly reminder as we go on this investing journey which I am still a newbie at to still enjoy life because health is never guaranteed. Don’t wait till retirement to enjoy life , enjoy it now . Hope everyone has a good weekend . I am enjoying a much needed vacation in Mexico without children just me and my wife life is good !

384 views

Brayden Schwartz

@schwartzyfinance

Market News · 1h

NBIS Q3 Earnings Expectations and Analysis

$NBIS reports Thursday before the bell. Here's the expectations:

• Q3 expected revenue: $907M (+521% YoY)
• Q3 expected EPS: -$0.72
• Q2 revenue: $582M (+454% YoY)
• Q2 EPS: -$0.12 (beat -$0.67)
• ARR run-rate: $3.0B (target $7-9B)
• FY26 revenue guide: $3.0-3.4B
• Q2 capex: $5.65B (~10x revenue)
• Share Price: $134 (-39% in 1 month)

You buying or selling going into earnings?👇 read more

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Just a Dude Who Invests

@dudewhoinvests

Community · 4h

Nvidia

Are you buying Nvidia $NVDA stock here?

Why or why not…

Let’s get a forum going on all thoughts.

✍️

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Buythedip

@buythedipzw

Analysis · 🔥 Hot

Wow 🤯 there’s an opportunity here for first timers

I feel like if you haven’t invested in AI the time is now. You will most certainly see a return in your future.

If you’ve ever been curious about investing in AI but didn’t know when the right time was, I think now maybe the time. I’m team full recovery. ❤️‍🩹🩺

Did the Ai bubble officially pop?

🫧 there is no bubble

💥 the bubble just popped

🩺 due for a full recovery

1372 votes · 17h left

21K views

The Market Matrix

@themarketmatrix

Market News · 🔥 Hot

What a week of earnings coming up!

$ZETA $ASTS $RKLB $NBIS $ONDS $AMAT $CRWV $HIMS $BN

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PAM

@therealpam

Market News · 1h

US Credit Card Trends: Delinquencies & Balances

Credit-card trouble can begin years before a payment is missed.
New York Fed researchers found that the average median credit score at new-card issuance was 688 in 2020–22, versus 699 in 2017–19. Cards from that pandemic-era cohort later contributed a sizable share of newly serious delinquencies in 2023–24. Their influence is now fading.
Meanwhile, U.S. credit-card balances rose $22B in Q3 2026, but the annualized share of card balances newly becoming 90+ days late was 6.87%, versus 7.05% a year earlier.
More debt does not automatically mean faster payment deterioration. Inflation, interest costs and uneven stress across income neighborhoods still matter; the Fed's analysis does not prove underwriting alone caused the cycle.

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Adriano Starinieri

@adrian_pii

Passive Income · 6h

MSTR & MSTE #20: Massive BTC & MSTE Buys!

https://youtu.be/rleUVDcmvmY

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Blossom

@blossom

Market News · 1h

🐝 Daily Buzz: November 10, 2026

📊 Hot inflation and rate hike talk pulled stocks lower. The Nasdaq fell 0.74% to 25,065.87, the S&P 500 lost 0.38%, the Dow dropped 0.30% and Canada’s S&P/TSX Composite slid 0.76%.

🤖 Nvidia ($NVDA) sank 5.47% to $168.89, dragging all three averages, and its market cap briefly fell below $4 trillion for the first time since July 2025. Jensen Huang acknowledged the affair over the weekend, and lawmakers are now asking about chip purchases by the businesswoman’s company.

💻 Microsoft ($MSFT) dropped 3% after Anthropic announced a slate of workplace tools for Claude that could compete with Office.

🔗 Securitize ($SECZ) surged 22.38% to $8.53 after Citi upgraded it to buy on third quarter results and an expansion into asset-backed finance. Analyst Peter Christiansen pointed to monetization across token issuance, trading and stablecoin infrastructure.

🛒 Shopify ($SHOP) fell 4.73% to $204.69, extending last week’s slide. The loonie also weakened to 70.40 cents US from 70.81 Monday.

🏛️ October CPI rose 0.4% against the 0.3% expected, with core at 0.3% versus 0.2%. The 10-year Treasury yield jumped more than 14 basis points back above 5%. Fed Governor Christopher Waller opened the door to a half-point December hike, while Dallas Fed’s Lorie Logan called for two more quarter-point moves.

👨🏻‍💻 Researched and written daily by @timemino
read more

Waller says a half-point hike is on the table for December. Does the Fed go 50?

Yes, 50 basis points

No, 25 is enough

53 votes · 5d left

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LM @retiredyoung

Personal Finance · ⭐ Featured

Preparing for the inevitable.

I am currently 47 years old. Unfortunately in that time frame I have lost a lot of family members. Some (most) were accidents, some to age, some to cancer, and one to suicide. That’s 11 deaths total. Only 1 person out of 11 had a will.
When you are grieving the last thing you want to do is close an estate up.
It’s even harder if nothing has been prepared in advance.
After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight.

I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life.

I’ve personally been the executor of 2 estates now.

This is my advice:

1. If your young get life insurance. If you’re retired it’s not worth it.
2. Make sure you have a will.
3. Make sure you have a personal directive.
4. Make sure you have a power of attorney set up.
5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation.
6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate.
7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death.
8. Buy a file folding system. I have a plastic one that has a clasp and handle.
9. Put EVERYTHING in this file folder that would be needed if you died tomorrow.
a) all land titles
B) information on house insurance so it can either be eventually canceled or name changed over.
C) your will (or the location of your will), power of attorney, and personal directive
D) the information for your car, car insurance, and registration on vehicles.
E) information on life insurance.
F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information.
G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them.
H) their credit card information where to contact to cancel the cards
I) birth certificate, SIN numbers, marriage, license, etc.
J) information on all your investments accounts, bank accounts, etc.
K) anything else you can think of for your situation

If you’re married, I’d have one box per person.

When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will.
These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate.

I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder.

At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date.

If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will.

Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into.

Good luck

Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more

297K views

Blossom

@blossom

Market News · 1d

🐝 Daily Buzz: November 9, 2026

📊 Stocks ripped back after last week’s AI selloff. The Nasdaq gained 2.74%, the S&P 500 rose 2.34%, the Dow popped 2.15% and Canada’s S&P/TSX Composite climbed 1.84% on mining and financials.

🤖 Nvidia ($NVDA) fell 4.27% to $178.67, the lone chip decliner, after its board opened an investigation into CEO Jensen Huang’s relationship with a businesswoman that U.S. intelligence agencies allege is a Chinese spy. Dan Ives called it an overhang that could draw congressional inquiries.

🔲 Advanced Micro Devices ($AMD) jumped about 13% after Oppenheimer upgraded it to outperform with a $600 target, implying 34% upside. Broadcom ($AVGO) popped 9% and the iShares Semiconductor ETF rose more than 7% after dropping around 13% last week.

🛰️ AST SpaceMobile ($ASTS) jumped 14% on a joint venture with Japan’s Rakuten.

💻 Constellation Software ($CSU) was a standout TSX decliner, falling roughly 4% while Canadian banks rallied. BMO ($ZSP) gained 2.08% and RBC ($RY) rose 1.71%.

🛢️ WTI dropped 4.38% to settle at $86.85 and Brent slid 5.85% to $92.57, with energy the only S&P 500 sector in the red. Marco Rubio called Iran’s negotiating demands outrageous and ridiculous ahead of the G7 foreign ministers’ meeting.

👨🏻‍💻 Researched and written daily by @tim_eminoread more

Is Jensen headed back to Denny’s?

Yes, back to bussing tables

No, he’s taking AI to the moon

238 votes · 4d left

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0.0% held

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+9.81%

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+14.38%

0.0% held

3,360 views

Mr Financial

@mr.financial

ETFs · 2d

My Portfolio After the Tech Correction

What do I do when the stock market drops and my TFSA portfolio takes a hit?

This is a transparent look at my $322,250 TFSA portfolio after a volatile October, when global markets took a beating and the Nasdaq 100 briefly entered correction territory.... we all know November has continued the trend...

For those of you interested in seeing a real life example of what all in one ETF's do during a market pull back, one mcap and one using 4 single factors, see how $XEQT faired compared to $FEQT in the sharp pull back at the end of the month. That trend is continuing into November....

Also, I'm looking for a good emerg market multifactor ETF in Cad.... just to complicate my portfolio a little more 🙃 Let me know what you use please!

https://youtu.be/H5JMG8Z_okg

+0.83%

37.6% held

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4,646 views

Paul Santori

@paulsantori

Passive Income · 1d

Scam Alert 🚨 ⚠️

Please be careful everyone!!

356 views

Andy Passive Income

@AndyPii

Passive Income · 🔥 Hot

See that new awesome feature

the Blossom 100
The 100 stocks and crypto Blossom investors hold the most dollars in, weighted by dollars held and rebalanced monthly.

💻 Check it out on the web-app for the best experience!

🥳 Great to see the community is outperforming the market - let me know (me=Max ☺️) what you think below and anything else you want to see from the index 👀

https://www.blossomsocial.com/investor-pulse/blossom-100/

Congrats @maxstocks and All the family!read more

2,972 views

Moe

@moementumfinance

Milestones · 2d

The Podcast Is Getting Some Moementum! 🎙️🔥😆

A little milestone worth celebrating! The Moementum Finance Spotify Podcast has officially reached 5,000 plays and downloads on Spotify! 🚀 What started as a passion for sharing financial knowledge, investing insights, and helping Canadians build wealth is growing one conversation at a time featuring many amazing Blossomers.

A huge thank you to everyone who has listened, supported, shared, and been part of this journey. Your support means a lot! ❤️

Here's to many more conversations and milestones ahead! 🥂

🎧 Listen on Spotify: https://open.spotify.com/show/6Ju5r3cXUOSNtFlOzc9ovV

3,036 views

Cole Delarosbil

@investingwithcole

Beginner Investors · ⭐ Featured

🚩 3 Red Flags to Watch for When Buying a Stock 🚩

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

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🚩 3 Red Flags to Watch for When Buying a Stock 🚩 — image 3 of 4

🚩 3 Red Flags to Watch for When Buying a Stock 🚩 — image 4 of 4

111K views

Moe

@moementumfinance

Passive Income · 4d

From Index Funds to Covered Calls; Why?!

What does it take to retire at 55, and can covered call ETFs help replace your employment paycheque? In this episode of Moementum Finance, I'm joined by @retirement_rants, an investor on Blossom community who retired at 55 in September 2025 after more than a decade of investing primarily in index ETFs like VFV (S&P 500) and QQC (Nasdaq 100). But as retirement approached, Carlos made an interesting transition: moving from traditional growth-focused index investing to diversified covered call ETFs targeting approximately 12–16% annual income.

Carlos shares his inspiring journey from growing up in a household where money and investing weren't openly discussed, to discovering the stock market at 42, building wealth through consistent investing and the power of compounding, and eventually achieving early retirement. We discuss why he moved toward income investing, how covered call ETFs help him generate monthly cash flow, and why replacing his employment paycheque without regularly selling shares became an important part of his retirement strategy.

We also get into his actual portfolio holdings, including QQCL, HYLD, USCL, QDAY and BDAY, why he avoids single-stock covered call ETFs, how he approaches diversification, and why he doesn't believe investors should simply chase the highest advertised yields. Carlos also shares his thoughts on the 4% rule versus his approximately 8% portfolio withdrawal/spending rate, managing market downturns, maintaining a cash reserve, and balancing retirement spending with reinvestment.

Beyond investing, Carlos discusses the realities of retiring at 55, travelling with his wife, managing RRIFs, LIFs and TFSAs, deferring CPP and OAS, and some of the financial decisions he would have made differently, including making greater use of a spousal RRSP. He also shares valuable lessons about funding his children's education through RESPs and teaching the next generation about investing.

💬 I'd love to hear from you: Once you reach retirement, would you sell shares in retirement, or switch to covered call ETFs and collect distributions? Let me know why in the comments!

Disclaimer: This video is for educational and informational purposes only and does not constitute financial advice. High-yield covered call ETFs carry risks, distributions are not guaranteed, and a high distribution yield does not necessarily translate into a high total return. Past performance is not a guarantee of future results. Information is accurate as of the posting date and may change over time.

https://youtu.be/YN0Tw5ZtDZ8?si=QFJM3GZB2xfDyXHPread more

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5,150 views

Trevor Heslop

@trevorheslopinvests

Analysis · ⭐ Featured

Question For Individual Stock Pickers🧐

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!

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216K views

Brandon Beavis

@brandon

Community · 12d

Things are about to get a little hairy at Blossom!

This November, we’re putting our money (and moustaches) where our mouths are.

Team Blossom is officially joining the Movember movement, and inviting the entire community along for the ride!

Our goal? Raise $10,000 for men’s health, supporting mental health and suicide prevention, prostate cancer, and testicular cancer. But we’re not stopping at donations!

To make things a little more spicy, we’ve set up some fun fundraising challenges. From @maxstocks learning a KATSEYE dance, to mystery punishments, questionable moustaches, and a whole lot of chaos, every milestone unlocks something new.

The best part? EVERYONE can participate (women too!).

🥸 GROW A MO: Put down the razor and grow that glorious moustache.
🏃‍♀️ MOVE FOR A MO: Can’t grow a moustache? No problem! Walk, run, or get moving for men’s health. Track your activity through Movember and sync your progress to your Mo Space.
DONATE FOR A MO: Donate to a good cause and help us reach our $10,000 goal and unlock the next challenge!

📸 Post your progress photos throughout November and tag @meetblossomsocial on Instagram so we can share it along on our socials, bonus points if you're wearing Blossom merch!

JOIN THE BLOSSOM MOVEMBER TEAM OR DONATE:
https://movember.com/t/blossom-social-team?mc=1

Because investing in your future means investing in your health, too.

Let’s grow something good. Together!read more

4,154 views

Blossom — Social Investing Community: Real Portfolios, Trades & Market Insights

Should Jensen Huang stay as CEO? Stay / Step down / Too early to say

Did the Ai bubble officially pop?

Waller says a half-point hike is on the table for December. Does the Fed go 50?

Is Jensen headed back to Denny’s?