As my handle suggests, I’m kind of an “Energy Guy” 🤡. This week, I sold a bit of Black Gold to buy some Yellow Gold 🫣 Took profits by selling 1,000 $WCP Whitecap Resources at 18.64. Sold 500 in the RIF to draw funds from & 500 in the TFSA. Also sold 250 $CVE Cenovus Energy at 46.20 in the TFSA I didn’t want to sell but felt compelled to take some big gains and diversify the portfolio a bit 👍🏻 For the TFSA, I bought back 500 $NXE at 13.88 after the recent drawdown Also started the first position in Precious Metals in decades! With all the turmoil out there, a little gold serves as a bit of portfolio “insurance”. Like all insurance, I hope I NEVER USE IT😬😬 Bought 888 $BTO B2Gold at 7.43 and 18 shares of $AEM Agnico Eagle Mines at 276.50. Anyone else shifting a wee bit into precious metals? PS - Energy still makes up 60% of my portfolios so I’m not bailing out folks 🤡 Energy makes ALL of Canada 🇨🇦 Stronger & more Independent 🤠Never a 51st State! read more
📊 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
Rocket Lab Corporation | Aerospace and Defense Sector Market Cap: $37.74B CEO: Peter Beck Rocket Lab Corporation is a space company that provides launch services and space systems solutions for the space and defense industries. The company provides launch services, spacecraft engineering and design services, spacecraft components, spacecraft manufacturing, and other spacecraft and on-orbit management solutions; and constellation management services, as well as designs and manufactures small and medium-class rockets. Financials: Revenue: $769.15M Cash: $2.3B Total Revenue: $769M Q2 Revenue: $234M Gross Profit: $262M +62% YoY Revenue Growth 90+ contracted launches Forecasts: Min Case: $80 (+26%) Base Case: $113 (+80%) Bull Case: $150 (+137%) Electron ( orbital launch vehicle) continues executing. Rocket Lab successfully completed its 94th Electron mission on Sept. 2, delivering an Earth-imaging satellite for Synspective. The Space Force business is becoming enormous. Rocket Lab won a $266M, 12-launch missile-defense contract, with up to six additional launches. The big catalyst for Rocket Lab is Neutron. Neutron is Rocket Lab’s reusable medium-lift rocket tailored for deploying satellite constellations, delivering national security missions, and enabling planetary exploration of the Moon, Mars, and beyond. Neutron has been scheduled to launch late 2026 with analysts anticipating a delay to 2027 Just this week they put IMM Apex into production. It's a solar cell doing 31.5% efficiency at 40% lower mass, and it's built without germanium. This is important because germanium is a supply-constrained critical mineral that the entire space power industry has depended on for three decades. IMM is proven technology, it has been qualified for over a decade, it's on 1,100+ satellites, on JWST, on Artemis, and it powered Ingenuity on Mars. In Q2, Space Systems did $189M of the $234M in revenue, while launch did $44M and grew 1.8%. Rocket Lab isn't just a launch company that happens to sell components. It's a vertically integrated space company that happens to launch, and each new capability widens what they can go after. Neutron is still very important and a headline to this company but, the market is not seeing what else Rocket Lab is doing The overall space sector is being tanked due to SpaceX's IPO. $RKLB is down over 55% from its all time highs. While price is down, fundamentals are growing significantly and money in the space sector is growing more than ever. Rocket lab is a high-quality business with a clear path to scale and profitability My Thesis: I've wanted to diversify into the space theme for a while now and with space stocks lagging behind, this is the perfect time to. I want to start accumulating here in the low $60s. Lots of upside potential in this emerging themeread more
17 days after selling McDonald's ($MCD), I bought it back. But not because I'm lovin' the food… I first started buying MCD during the COVID crash in our taxable "overflow" account, at as low as $132, and ended up with 11 shares at a cost basis in the mid-$180s. Then our 20-year-old roof took storm damage, and we needed a new one, so we sold all of our McDonald's at $279 to help pay. But what surprised me most was that I missed owning it! This past Friday, I was working at the DeKalb, IL post office, and I could see a McDonald's from where I was. Every single time I looked up, people were going in and coming out. Then around lunch, two postal employees came back carrying McDonald's bags and drinks. That did it. On my lunch break, I sold some VTI and started a McDonald's position again. What's funny is that I almost never eat there. The only time I really do is at the airport, when we leave the house in a hurry and need something quick and cheap before boarding. But I don't have to be a customer. I just have to notice everybody else is. One thing I'm really lovin' is how former McDonald's CEO Harry Sonneborn famously said, McDonald's isn't in the burger business. It's in the real estate business. About 95% of the restaurants are run by franchisees who pay McDonald's rent and royalties, and McDonald's owns most of the land they sit on. That's why it has a very high 46% operating margin and 49 straight years of dividend raises (soon to be 50 years and a Dividend King this fall). One of McDonald's tasty twists is negative shareholder equity on paper, which sounds scary. It's not for two reasons: First, they've paid out more in dividends and buybacks over the years than they kept, and that's what drives the number below zero. Second, and what I find fascinating, is that all of McDonald's real estate is on the books at what they paid for it. So let's say they bought a corner lot for $700K in 1976, and it's worth $20 million today — the balance sheet still says $700K. McDonald's has a massive amount of hidden net worth that no ratio I know of shows. But I do have a bias I'm working through. Part of me wants to wait for $180 again, but that's dumb. The company earns more now than it did when my average cost was in the $180s. A more profitable business shouldn't sell for the same price it did five years ago. So instead of anchoring to an old price, I'm looking at what I'm paying for the earnings today: P/E, or price-to-earnings (showing how many dollars you're paying for each dollar of earnings), is about 20.8. Its average over the last nine years is about 26, so currently you'd pay $20.80 for every $1 of McDonald's earnings. Free cash flow yield, which shows you the exact percentage of actual cash a company makes compared to what its stock costs, is 4.3%. Its median is 3.15%. Dividend yield is 2.9%. Its 5-year average is 2.3%. By all three, this is the cheapest McDonald's has been in years. So, why is it down? U.S. traffic went soft. Lower-income consumers are pushing back on prices, and CEO Chris Kempczinski said on the last call: they don't have a strategy problem; they simply didn't execute at the level they needed to in the second quarter. I give him credit for honesty, but that's a strike against him, and I think his leash just got a lot shorter. And if you haven't seen the video of him eating the Big Arch burger, you have to watch it here. He got roasted because it looks like the man has never held or eaten a burger before! If things don't turn around soon, I think they'll replace him. But there's another thing you might not know: McDonald's corporate can recommend a price, but the franchisees don't have to follow it. Kempczinski said U.S. restaurants haven't consistently executed the discount strategy, and only about 60% to 65% of the system had put in the "under $3 menu," which is supposed to include 10 items. Thousands of independent owners, each doing their own thing. It's like herding cats, for better or worse. Turning around McDonald's is like turning around the aircraft carrier I served on, the USS John C. Stennis (CVN-74). It can't change direction like a small boat. It's slow, but once it turns, it turns. These things take time, and that's why I'm buying with confidence. What pushed me into buying was that parking lot in DeKalb that looked packed every time I looked at it. But the data says something different. U.S. same-store sales rose just 0.8% last quarter, and every bit of that came from higher checks — people spending more per visit — while fewer customers actually walked in. Placer.ai measured McDonald's U.S. visits down 4.5% from a year ago. So the lesson is that a busy lot doesn't tell you if it's busier than last year, and it turns out it wasn't. And on top of that, according to Inc., about 36% of McDonald's visitors come from areas where the median household income is under $50,000. Those are the people getting squeezed hardest right now, and they're the same customers McDonald's fumbled with its value menu. That looks like a broke-customer problem and a management problem, and both are fixable. I've been hearing since high school in the 1990s that McDonald's is finished. The Super Size Me documentary. Fitness fads. Fast casual dining. Now it's GLP-1s. It's 2026, and McDonald's is still growing, still profitable, and still the biggest restaurant company on earth. This looks like another in a long line of cycles, not a broken or dying business. Two things I'm watching, and if these break, I’ll reconsider adding more: U.S. guest counts. They need to stop falling and turn positive over the next few quarters. If traffic is still negative a year from now with a new value menu fully rolled out, then I was wrong, and it's structural. The October dividend raise. This would be year 50, and a solid raise of around 5% tells me management is confident. A token raise of 1% to 3% would be a warning. My plan: I'm buying in my Roth IRA, and I intend to never sell. Tax-free compounding, theoretically forever. In the $250s, I keep adding. The lower it goes, the more aggressively I buy. I don't use it. But I'm lovin' it. How about you? This is from the FREER weekly newsletter, which you can check out here 👉 https://dapper-dividends.kit.com/posts/i-never-eat-there-but-i-just-bought-the-stockread more
10 ETFs I'd be comfortable buying and holding for decades without worrying 😴📈💰 $VOO Vanguard S&P 500 ETF $QQQ Invesco QQQ Trust $SCHD Schwab U.S. Dividend Equity ETF $VIG Vanguard Dividend Appreciation ETF $OVL Overlay Shares Large Cap Equity ETF $SPYI NEOS S&P 500 High Income ETF $FDVV Fidelity High Dividend ETF $DIVO Amplify CWP Enhanced Dividend Income ETF $QQQI NEOS Nasdaq 100 High Income ETF $SCHG Schwab U.S. Large-Cap Growth ETF Which here is your top pick? 📈👇read more
Ohhhhhh boy. Every single time I’ve looked at bonds this week, they’re always higher than before. Followed by: Crude at $104 Brent bearing $110 If CPI isn’t cool or in line tomorrow, no words. Position accordingly and potential derisk your portfolio for this upcoming week.read more
U.S.-Listed ETF Weekly Flows Recap [Sept 4-10] (Top 1000 ETFs by AUM) Flows of top U.S.-listed ETFs continue to fall, posting $3.1 billion of net creations, which is only 10% of August's weekly average. Equity ETFs remain as the main weak point, with multiple high-beta sector and thematic memory names seeing net redemptions. Fixed income ETF inflows (+$7 billion) remained in the leadership position, with investors adding to both total market and cash positions.
I'm sure we've all heard some sort of phrase along the lines of... “Our parents could buy a house on one income. Today, two incomes can barely cover rent.” And honestly, there’s some truth to it.Housing is more expensive. Groceries are more expensive. Cars, childcare, insurance, and basically everything else costs more than it used to. But I also think there’s another side to the conversation that we don’t talk about enough. A lot of us have quietly increased our standard of living without realizing how much it’s costing us. Think about what the everyday folks are paying for.... • $4–$8 coffees several times a week • Restaurants multiple times a week • Food delivery because we don’t feel like cooking • Two expensive vehicles sitting in the driveway • A $100+ phone plan for the newest device • Amazon packages arriving every other day • Gym memberships we barely use • Concerts, sports, vacations and weekend getaways • Buy-now-pay-later purchases spread across multiple accounts None of these things individually make someone financially irresponsible. It’s the accumulation. The problem is that modern consumption is incredibly easy. Want dinner? Tap an app. Want a new phone? Finance it. Want new clothes? Put it on a payment plan. Want a vacation? “Book now, pay later.” Want something from Amazon? It can be at your door tomorrow. Our grandparents didn’t necessarily have better financial discipline because they were inherently better with money.They simply had fewer ways to spend it. Today's middle class is living like the rich back compare to folks in the 1950s. Our standard of living has increased so much... There was no algorithm constantly showing you things you “need.” No monthly subscription for every possible form of entertainment.No food delivery sitting two taps away. No ability to finance practically anything. And definitely no Instagram convincing you that everyone else is living better than you. Meanwhile, someone can have a $700 car payment, $150 phone bill, $200 in subscriptions, $500 in restaurants and another $300 in random spending… …and then wonder why they can't save $20,000 for a down payment or invest any $ Yes, the cost of living has changed. Yes, housing affordability is a serious problem. But personal spending habits still matter. If your income increases by $1,000/month and your lifestyle immediately increases by $1,000/month, you didn't actually get ahead. You just upgraded your lifestyle. For me, building wealth is about intentionally directing money toward things that can grow over time, ETFs, stocks, real estate, and other investments instead of constantly upgrading my lifestyle. You don't have to live like you're broke. You just have to stop spending all your income away, you can enjoy life AND build wealth. The trick is making sure you're doing both. 😀 Cheering everyone on.read more
Originally published on Blossom on March 22th, 2024 Please find retrospective commentary at the end. Know anyone willing to give you stock tips? I am guilty of it as well as most all over the investment social media pastures. It’s easy button stuff, give me a good stock to buy and I’ll just do that. No learning, no research, no problem! And in this market, it really can be that easy as so many grossly undervalued stocks - for decades for unloved small caps that always do great at the end of the cycle - are now routinely recording 52-week highs. The universe of stocks and industries that are realizing this is so broad at this point, it really is like shooting fish in a barrel. So start feeding your family and get those fish! Yes, this series is all about checking in with the conventionalists (What Would Conventionalists Do? WWCD) 😂🤣 and their widely and blindly accepted wisdom have to say about this? They’ll have you eyeing up CD ladders to get 5% on your capital, turtle investing into your broad ETF diluting your returns, or maybe even DCA (dollar cost averaging) into a perpetually dealing stock. Ahhhh! They really do want us to underperform don’t they! Do you think the pros are doing any of these crappy strategies right now? Of course not. Because the secondary stock market is a paper trading world where your profits come at the expense of other’s losses. The point is that Japan, emerging markets, India, oil and gas, commodities, biotech, and small caps have been unloved for 17, 24, 24, 10, 14, 4, and 14 years now, respectively. And after an aggressive rise in stock prices here in 2024, we can count on the conventionalists to swoop in with the ultraconservative kill joy and start recommending that it’s too risky to invest in these anymore. What!??!?!? Do they realize that it’s been 17 YEARS on average that companies in these sectors, categories, and industries since investors put capital into them? All of these years they kept plugging away and turning profit and now a 3 month period in 2024 of love and the Conventionalists are here to raise cash. Don’t believe them. So stock tips? $DXJ , $DXJS , $EDF , $EPI , $INDA , $IBN , $MUFG , $MHVYF , $NRIX , $XBI , $NNBR , $TGB , $NGD , $WRN , $IDR , $MTDR , $RRC , $CVE , $TDW , $GPOR , SWN, $NPWR , $NRGV , $TTI , $DWSN , $PALAF , $NAK , SAND, $TFPM , $EMX , $FPI etc. have been undervalued for a decade(s)..........and now, after 3 months, they are calling overheated. Stay away from this conventionalist wisdom. The ever climbing rise in small cap stocks and categories above will continue until the cycle ends. Read the section “They are telling us so what are you waiting for” to see how you can realize incredible profits in the final meltup phase of this cycle. But it is critical that you read it correctly and exit when the stock and the markets tell you to leave. One way stock tips (conventionalists) are worthless. Notice no one ever comes in and gives you a stock tip to sell? A profitable investment requires a buy and a sell, right? Let’s monitor together for those moments when it comes. But after a 14 year hibernation in small caps and other categories listed above, understand, we are just waking up! Follow me and my portfolio to see how I navigate through this part of the cycle, which comes only 5x in a lifeTIME as a 2-year window of euphoria. Retrospective commentary - September 11th 2026 Let's take some TIME to assess how the unloved sectors identified in KTS #5 have actually performed since then. That'll do much of the talking 😂😆 You will find attached a bar chart titled “Total Return of Previously Unloved Sectors/Subsectors” since March 22nd, 2024. Take your TIME and analyze it. So essentially all of them outperformed the S&P 500 ever since 🏆😎 If you've read the retrospective comments for "KTS #3 - Don't Label Yourself", you know that small caps and commodities are really starting to show outperformance from Liberation Day and Year-to-date. Both graphs for these TIMEframes are attached as well. Same as the first one: take your TIME and analyze them. Okay Beskar, I see it. Almost every unloved sector you pointed us to has had relative outperformance versus the S&P 500!!! Isn't this amazing? This is what happens when you learn how to READ and LISTEN to the markets within the context of the real estate/banking crisis cycle. A total WIN for Beskar Capital… and those who followed. 🏆 India has been the only disappointment. 1 out of 6… still a WIN in our book. And we cut our exposure to India rapidly, which was essentially through $IBN. See attached our exit trade made on August 4th, 2025. Here is the Blossom link: https://www.blossomsocial.com/posts/SOLD-ALL-BUT-1-share-of-ICICI-Bank__POST-1754326532876-KQUo2GhN_qoQV3QbaHcPIAvML What about the stock list given in this post?? We will leave you the pleasure of discovering the performance they individually recorded. Can you see the triple digits in OUTPERFORMANCE for many of these over this TIME. 👍 What's next Beskar? You'll have noticed that we highlighted at the end of this KTS the importance of correctly reading the market and "exit when the stock and the markets tell you to leave." And that "the cycle comes only 5x in a lifeTIME, as a 2-year window of euphoria." This is the key to the knowledge of the cycle. This is the unconventional wisdom of the Beskar Capital approach, which takes into account the most underestimated parameter of all (TIME). There is a Buy AND a Sell. In a euphoric market, the Sell is the hardest part. Are we there yet, Beskar?? What are the signs?? How long will this bull last, Beskar?? This is what the membership gives you access to. This is the Way! 🏄♂️🌊🏄♀️🌊 read more
Seeing some questions about the new $ZETA filing. This is NOT a traditional $25M capital raise. Zeta can issue up to $25M worth of stock over the next several quarters to pay a service provider. At around $30.56 per share, that would equal roughly 818K shares, or about 0.36% dilution to the current Class A share count. Not ideal since it is dilution, but it’s very small, preserves cash, and changes absolutely nothing about my long-term thesis.
Could 5N Plus ($VNP) be an interesting Canadian play on the growing space + satellite + semiconductor economy? 🛰️📈 Here’s what caught my attention 👇 💰 Revenue Growth FY2025: US$391.1M vs US$289.3M 🚀 ➡️ ~35% YoY growth Q2 2026: US$122.4M ➡️ +28% YoY 📈 Earnings Scaling • FY2025 net earnings: US$50.6M vs US$14.7M • Adjusted EBITDA: US$92.4M | +73% Q2 2026: • Net earnings: US$19.7M • Adjusted EBITDA: US$26.6M 🎯 2026 EBITDA guidance: US$100–105M 🛰️ SPACE EXPOSURE 5N+ owns AZUR SPACE, which develops advanced solar cells for spacecraft ☀️🚀 ➡️ 16M+ space-qualified devices delivered ➡️ 2,500+ satellite missions supported 🤝 MAJOR AEROSPACE & SPACE ECOSYSTEM NAMES The AZUR SPACE ecosystem includes relationships across major aerospace and satellite companies such as: 🚀 SpaceX ✈️ Airbus 🛰️ Thales Alenia Space 🛡️ Northrop Grumman 🚀 Lockheed Martin 🛰️ Maxar 🚀 Sierra Space 🇯🇵 Mitsubishi Electric Think “picks & shovels” for the space economy ⛏️🛰️ 📦 BACKLOG 💰 US$420M ⏳ 313 days of annualized revenue 🔥 AZUR is also expanding production capacity: +35% in 2024 → +30% in 2025 → +25% in 2026 🇺🇸 DEFENCE CATALYST 5N+ recently announced a US$7.3M U.S. government award to establish domestic GaAs component production for U.S. defence applications. 🛡️ 📈 THE STOCK The stock has had a wild run — roughly +165% YTD at its peak, followed by a ~45% pullback, while still remaining around +48% YTD. That = strong investor interest + serious volatility ⚠️📊 🎯 MY TAKE $VNP isn’t simply a space stock. It’s a specialty semiconductor + critical materials company with exposure to: 🛰️ Space ☀️ Solar 🛡️ Defence 📡 Satellites 🔬 Advanced technology 🔥 Growth + backlog + capacity expansion + multiple long-term markets = definitely one to watch. 🎯 WALL STREET UPSIDE? At around C$26–27/share, analyst estimates vary significantly. Some current sources show targets around C$40–48, but targets can change quickly and should NOT be treated as guaranteed returns. 📊 $VNP surged roughly +165% YTD at its peak before suffering a massive pullback of around -45%. 😳 Even after that correction, the stock is still around +48% YTD. That tells you two things: 🔥 Investors have become very interested in the 5N+ story ⚠️ But the stock can also be extremely volatile So the question isn't just “How high can it go?” It's whether the fundamental growth can justify the valuation. 👇 Would you buy $VNP at current levels? Not financial advice. Do your own research.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
People, let's try to have intellectual discussions on this platform when we have differences in opinion. I learn from arguments, but unfortunately someone just blocked me for a simple argument over a company I'm invested in and bought this morning. Surprise, it's $PLTR bum bum bummm. I don't agree with everything Palantir does. Does it worry me? Yes. Would I consider divesting in the future? Yes. I have openly talked about my issues and conflicting feelings regarding Palantir and Alex Karp on Blossom. But financially, the company has been good to me, and I can't pass opportunities like this up. That's the reality. That doesn't mean that I would ever support the IDF or ICE. You can't just make assumptions like that about people.
If you had $100,000 to invest for the next 20 years, would you rather: A) Build a dividend portfolio and collect income along the way B) Focus on growth stocks and worry about income later I personally lean more toward growth while I’m younger, but I can definitely see the appeal of building a portfolio that eventually pays you every month. What’s your choice? A or B? And why? $VOO$SCHDread more
Yesterday was my first day back to work, as relaxing as my vacation was I missed work and all my friends. Nothing too special happen was pretty chill especially now when everybody’s back to school we get less traffic, but hopefully the Jays 🦜 will win today and we’ll get a lot of people. Added 100$ to my FHSA and 100$ to $ULTY for the weekly💰whatever was left i bought $XAU. Hope everybody’s having a great weekend happy investing.🫡
From August of 2024 until September of 2026, I have returned about 128% with a 46% yield on cost. How have I been able to use these ultra high yielding instruments so effectively? Read this to find out. https://www.rethinkingdividends.com/p/are-yield-max-etfs-worth-it
📊 Stocks fell for a third straight session as Treasury yields and oil both pushed higher. The Dow dropped 0.77%, the S&P 500 shed 0.48%, the Nasdaq fell 0.64% and Canada's S&P/TSX Composite slipped 0.60%. 📱 Apple ($AAPL) fell about 1.75% by mid-afternoon after unveiling the iPhone Duo, its first foldable phone. The reaction fits a pattern where Apple shares have more often sunk or gone flat after product launches in recent years. 🏪 Casey's General Stores ($CASY) tumbled 14.24% to $629.03 despite a fiscal first quarter beat on both lines. Same-store sales grew slower than a year ago and prepared food, grocery and fuel gallons all missed estimates. Management held its fiscal 2027 outlook. 💎 Signet Jewelers ($SIG) popped 17% in premarket trade on adjusted earnings of $2.19 per share against a $1.74 FactSet estimate. The jeweler also raised full year earnings guidance. 🔋 Lithium Americas ($LAC ) rose more than 4% after JPMorgan upgraded it to overweight on higher long-term lithium price assumptions. The bank set a $6 target, implying 100% upside from Monday's close. 🛢️ Brent settled up 3.36% at $101.21 and WTI gained 3.25% to $96.05, the highest settle since May for both, as U.S.-Iran tensions stoked supply fears. Yields climbed too, with the 10-year at 4.857%, its highest since November 2023, after Treasury said it will triple its longer-dated buyback to $6 billion. August PPI lands Thursday and CPI Friday. 👨🏻💻 Researched and written daily by @tim_eminoread more
Before continuing, let me first say I'm a $SOFI shareholder with an all-in cost basis in the $9's... With that said, I'm admittedly not nearly as bullish as the broader Blossom community seems to be. SOFI is the #2 'most mentioned', #9 'most visited' and #17 'most bought' stock on the platform, as of today. With 1000's of stocks to choose from, I'd say that's fairly bullish. While past performance is no guarantee of future results, it's hard to ignore SOFI's significant underperformance compared to the majority of legacy banks and brokerages since it came public nearly 6 years ago. In case you're wondering, it's also underperformed on 1yr, 3yr and 5yr measures. That begs the question, is SOFI's popularity justified or have folks fallen for the 'on sale illusion', seeing the stock down close to 50% from its all-time high reached in late-2025 and thinking it's a bargain? Some might think my question is rhetorical, but believe me when I say it's sincere and I'm curious to hear your thoughts... Full Disclosure: From the comparables screen shot image, I own $SCHW and $WFC...
Here’s why we bought PUT LEAPS on $NFLX last week: LULU has been dropping like a rock since Christmas Day in 2023........forecasting what we finally learn only just this past week that the company is giving us declining forward guidance. The stock immediately dropped -20% to fight out a Wall Street level of $100 per share. From $500 to $100. A drop of -80%. And now a change of CEO. That's rough. And $100 per share is likely a bus stop to its final destination. -80% is recession behavior for a large cap. But this is about $NFLX. Netflix reached an ALL-TIME high of $132.31 per share on 6/23/2025. It's now at $78.29 per share – a drop of $54.02 per share. Does it have another $35.31 share price drop left in the tank before January 21, 2028 to make these put options we bought breakeven? We think so. Here’s why: The stock is now below both its 200-day and 300-day moving averages in a continuing waterfalling pattern. While earnings estimates continue to climb, we've seen this before. This is a wolves-know-something that retail doesn't situation. Our bet is that an earnings decline is going to be shared sometime soon in the upcoming next few quarters that will expose why the stock has been behaving as it has since the summer of 2025. Can you see the similarities with $LULU? But that's not all. There is a plethora of other reasons why Beskar Capital is making this bet. Did you know the founder just quit Netflix? Remember the teacher that came up with the idea to ship movies by mail to kill Blockbuster rental stores? Yeah....that guy quit in June. Reed Hastings is effectively retired from Netflix operations: he stepped down as co-CEO in 2023, shifted to a non-executive chairman role in 2025, and announced in April 2026 that he would leave the company entirely when his board term ends in June 2026. He ran. 😂 And on 08/26/2026, we see a whale make a bet against the company. A ~$2.9 Million bet. See the table attached. In KTS #52 fashion, we'll make like a barnacle and attach to this whale 🐚 2 🐳 This is the Way! 🏄🌊 read more
The 4% rule was recently discussed and Ive also seen some misconception when it comes to safe withdraw strategies in retirement...the basic idea is pretty simple: If you have $1,000,000 invested, a 4% withdrawal rate means taking roughly $40,000 in your first year of retirement, then generally increasing that dollar amount with inflation. The research behind the 4% rule was built around roughly a 30-year retirement and a diversified portfolio. It's not a guarantee that your portfolio will earn 4% every year. It's a historical framework for surviving market crashes, inflation and different sequences of returns. But here's where I think some investors get confused. I've been seeing investors in covered-call ETFs saying things like: "My fund yields 8–10%, so I can withdraw 6-8% and still be fine." I don't think that's the right way to look at it. An 8–10% distribution does NOT mean your portfolio is generating an 8–10% total return. Covered-call ETFs generate income by selling call options. That can create a large cash distribution, but you're giving up some upside potential in exchange for that income. And some distributions can also be classified as return of capital, which isn't the same thing as the portfolio actually earning that amount. That's the part that can create a false sense of security. You see $10,000 deposited into your account and think "I'm living off the income. I'm not touching my principal." But the more important question is? What happened to the total value of my portfolio after that distribution? Cash flow ≠ return. That's why I personally don't want to build my retirement around chasing the highest possible yield. I've been seeing people talk about withdrawing 5%, 6%, 7%+ as if it's automatically sustainable because their ETF is distributing that much. It can work in certain circumstances. But there's a huge difference between: "My ETF pays me 8%." and "My portfolio can sustainably support an 8% withdrawal rate for the rest of my life." Those are two completely different things.The biggest problem with a high withdrawal rate is sequence-of-returns risk. Imagine retiring with $1M. If the market performs terribly during your first few years of retirement while you're withdrawing 6% or 7% every year, you're taking money out while the portfolio is down.That can permanently damage your portfolio's ability to recover. And the longer your retirement is, the more important this becomes. Obviously, real retirement planning is more complicated than multiplying your portfolio by a percentage. Taxes, pensions, CPP/OAS, inflation, asset allocation and spending changes all matter. The 4% rule isn't a magic number either. It's a guideline based on historical outcomes. For me, I'd rather build a portfolio large enough that I only need to withdraw 3-4%. And hopefully a much better chance of never having to worry about running out of money. The goal isn't just to retire. The goal is to stay retired. Hope this made sense and Happy Monday. read more
$129K dividends and almost $20K/month 😂💸 Weekly cash flow chaos report 📊🔥 Not much to report this week. No big moves. No panic selling. No “this has to be the bottom” speeches to my phone. 😂📉 Just staying boring and buying: 🍫 CHPY 🧱 BLOX Fresh numbers: 💰 All-time dividends: $129,857.86 📈 Monthly run rate: $,9970.81/mo 🧾 Yearly run rate: $23,9730.76/yr 🔥 Yield: 25.53% 🤡 Yield on cost: 28.28% Almost $130K all-time dividends and basically 20 k a month projected income. Which is wild since I only started this journey in April. This week’s lesson: Sometimes the move is not making a move. Just feed the beast, stay patient, and don’t let boredom become your portfolio manager. 😂💸 Not financial advice — just a clown with a spreadsheet documenting the experiment in public. 🤡📊 CHPY/BLOX holders… are we smart, stubborn, or building a yield monster in the basement? 👇🔥read more
If you had $100,000 to invest for the next 20 years, would you rather: A) Build a dividend portfolio and collect income along the way B) Focus on growth stocks and worry about income later I personally lean more toward growth while I’m younger, but I can definitely see the appeal of building a portfolio that eventually pays you every month. What’s your choice? A or B? And why? $VOO$SCHDread more
These are 25 of the best business models I’ve found in the stock market. Not necessarily the cheapest stocks. Not necessarily the fastest growers. Just business models I think are incredibly difficult to compete with. Let’s get into it 👇 1. $AMZN — Ecosystem monetization Amazon layers AWS, advertising, marketplace fees, Prime, subscriptions, and retail on top of an enormous customer and seller ecosystem. 2. $MSFT — Enterprise cloud + recurring software Microsoft monetizes the same enterprise customers across Azure, Microsoft 365, security, data, and AI through a mix of recurring subscriptions and cloud consumption. 3. $COST — Membership-driven retail Costco’s recurring membership fees allow it to operate merchandise at extremely thin margins, offer better prices, and reinforce customer loyalty. 4. $GOOGL — Intent-based advertising Google gives users incredibly useful products for free, captures enormous commercial intent, and monetizes that intent through advertising. 5. $META — Attention + social graph monetization Meta gives billions of people free social platforms and monetizes their attention, discovery, and relationships through highly targeted advertising. 6. $V — Global payments network Visa earns a small piece of enormous payment volume flowing across its network without needing to fund the underlying consumer loans. 7. $AAPL — Hardware ecosystem + services Apple uses premium hardware to build a massive installed base that it can repeatedly monetize through services, subscriptions, payments, and future devices. 8. $NVDA — Full-stack accelerated computing Nvidia combines GPUs, networking, software, and systems into an increasingly complete platform for building and running AI infrastructure. 9. $AMD — Fabless semiconductor design AMD focuses its capital on designing high-value CPUs and accelerators while outsourcing the enormous cost of leading-edge semiconductor manufacturing. 10. $CRWV — AI-native cloud CoreWeave builds infrastructure specifically around demanding AI workloads and monetizes that capacity by selling high-performance compute and related cloud services. 11. $NOW — Mission-critical enterprise software ServiceNow becomes deeply embedded across critical enterprise workflows, creating recurring revenue and making replacement increasingly difficult. 12. $SOFI — Vertically integrated financial ecosystem SoFi can acquire a member through one financial product, cross-sell additional products, and increasingly keep more of the economics inside its own banking and technology infrastructure. 13. $UBER — Two-sided marketplace More riders attract more drivers, more drivers improve availability, and that liquidity can then support rides, delivery, advertising, memberships, and autonomy. 14. $AXP — Closed-loop payments network American Express controls more of the relationship between cardmembers and merchants, allowing it to monetize spending through network fees, lending, and premium memberships. 15. $BRK-B — Insurance float + capital allocation Berkshire generates investable capital through insurance float and its operating businesses, then redeploys that capital across acquisitions, securities, and wholly owned companies. 16. $BN — Permanent capital + alternative assets Brookfield combines ownership in its asset management business with large investments across infrastructure, real estate, renewable power, insurance, and other real assets, giving it multiple ways to compound capital over time. 17. $MCD — Franchise + real estate McDonald’s lets franchisees provide much of the restaurant-level capital while collecting royalties, fees, and rent from a massive global restaurant system. 18. $SPGI — Financial infrastructure S&P Global owns ratings, indices, benchmarks, and financial data products that are deeply embedded in how global capital markets operate. 19. $CME — Financial exchange tollbooth CME earns fees whenever participants trade and clear futures and options while the liquidity of its markets makes those exchanges extremely difficult to recreate. 20. $NFLX — Global subscription media Netflix can spread content costs across an enormous global audience while increasing monetization through subscriptions, pricing, and advertising. 21. $FICO — Proprietary standard + licensing FICO monetizes a deeply embedded credit-scoring standard that lenders rely on, creating powerful pricing and licensing economics without heavy physical capital requirements. 22. $LLY — Patent-protected pharmaceutical innovation Eli Lilly invests heavily in drug development and can generate enormous economics when successful therapies receive patent protection and scale globally. 23. $EQIX — Digital infrastructure + interconnection Equinix owns the infrastructure where enterprises, cloud providers, and networks connect, and each additional participant makes that ecosystem more valuable. 24. $XOM — Integrated energy Exxon operates across production, refining, chemicals, and other parts of the energy value chain, allowing it to generate economics from multiple stages of the same system. 25. $CAT — Industrial equipment + aftermarket services Caterpillar sells mission-critical equipment and then continues monetizing the installed base through parts, services, financing, and replacement demand.read more
