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
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
14 Months and Counting 👍🏻 Proof that covered call ETFs can pay your bills, even when the underlying holdings are down. 💰 This particular portfolio will recover fast when bitcoin does.  https://youtu.be/kJZZudszITI?si=oR1oJj90iq4ic7j9
In investing, the “rain” is any market event such as higher interest rates, inflation, recessions, technological change, or geopolitical events. The event itself isn’t inherently good or bad; its impact depends on what you own. Successful investing isn’t about owning the winner every day, it’s about building a portfolio that can perform across different market conditions and staying disciplined through both good and bad periods. The same market that creates losses for one investor creates opportunities for another. Success isn’t about wishing for perfect markets, it’s about building a portfolio that can thrive in different seasons.
It’s crazy how many people think that it’s pointless to invest $100/month. But ask yourself: 1)Isn’t it better than 0 2)letting your money grow instead of letting it sit idle in a normal savings account. 3)Forming a habit of consistently investing. Just start even if you don’t want to be millionaire !!! So how can you start ? There’s a simpler way to build your portfolio using these 3 types of ETF. Canadians can buy these in an RRSP (saving the 15% foreign withholding tax which you will be charged if you invest in a TFSA)account while Americans can buy in a ROTH IRA or a 401k savings account. 1) Foundational ETF’s: these own the entire market 1) $VTI -Total US market 2)$VOO- S&P 500 3)$VT-Global stocks 4)$VXUS- International stocks 5)$BND- Total bond market 🟢These are best for first investment, retirement accounts, long term wealth and beginner investors. 2)Growth ETF’s: These are for increasing long term returns 1)$QQQ -Nasdaq 100 2)$VUG- Large Cap growth 3)$SCHG- Growth stocks 4)$SMH- Semiconductors 🟢These are best for higher growth, younger investors,tech exposure and 10+ year horizon. 3) Strategy ETF’s: These are for targeting a specific goal 1)$SCHD - Dividend growth 2) $VIG - Dividend appreciation 3)$GLD -GOLD 4)$VTV - Value stocks 🟢These are best for Income, Inflation hedge, Sector investing and portfolio customization. The good part is you can even start with as low as 100 dollars a month ! Invest watch your portfolio grow with the power of compounding!💵💵. Becoming a Millionaire is the side effect of consistency in investing! Happy Sunday ! 😎Hapy investing!🚀😎 Disclaimer: Not investing advice ! Please do your own due diligence before making any investment decisions !read more
Is there still hope for $ORCL? A $1.7M block of $ORCL$127 strike calls caught attention today, but options flow alone doesn’t tell the whole story. The bigger question is whether Oracle can prove that its AI cloud momentum is translating into real growth. The stock has been under pressure, and sentiment has cooled, but the market often starts looking ahead before the headlines turn positive. I’m watching price action, volume, and whether buyers are willing to defend key levels. Market isn't done yet. Taking profits into the close? Looking forward to your thoughts. read more
“Hold up! Wait a minute” Ninepoint Partners has officially announced that its single-stock HighShares and CoreShares ETFs will now pay distributions semi-monthly, starting with the August 2026 cycle. What stands out is that Ninepoint remains one of the few providers offering pure single-stock ETFs on companies such as Enbridge, Tesla, Palantir, and many others — combining concentrated equity exposure with an active covered-call strategy and modest leverage to generate higher income. I’d like to highlight TSHI. I’m currently a holder of TSLY and am looking to transition my portfolio toward ETFs that pay semi-monthly distributions. Ninepoint offers the only Tesla single-stock ETF that will provide semi-monthly distributions. Benefits of TSHI are as follows: • Lowest-cost Canadian single-stock covered-call ETF in its category (0.29% fee). • Active management of the options overlay. • Modest leverage to enhance income without needing a personal margin account. • Tax-efficient distribution characteristics in Canadian accounts. • Pure single-stock exposure to Tesla with income generation. Risks • Concentration — almost entirely Tesla; performance tracks TSLA closely (plus/minus options + leverage effects). • Covered-call strategy — caps upside in strong rallies. • Leverage — amplifies both gains and losses. • Volatility of Tesla itself. • New fund (limited history, lower liquidity/AUM). • Other standard risks: market, currency (CAD-quoted but underlying is USD), derivatives, borrowing, tax, etc. Do I continue dollar cost averaging into TSLY and wait for it to recover then sell and invest into TSHI? Or do I open a new holding with my distributions and invest in TSHI until TSLY recovers, then sell? Provided a video from @BetterCallPaul55 https://youtu.be/q8TibKNhc14?si=U7GW_gDWgvzg07-Fread more
Kar and I dive into a wide range of investing topics—from our reflections on attending BlossomCon 2026 in Toronto and strategies for selling shares in retirement, to why spending more time researching stocks doesn't necessarily lead to better returns. We also discuss dividend-focused portfolios, credit card points, and using leverage responsibly when investing. A huge shoutout to Blossom community members Ronan, Diana, Levi, Max, and RandomYaapping, whose posts we featured in this episode. We also mention several other fantastic creators, including Rayne (25andInvested), Kyle, Conroy, Catherine, and many more. Thanks for helping make the investing community such an incredible place to learn and grow together! 💬 Which topic did you agree (or disagree) with the most in this episode? We'd love to hear your perspective in the comments! Enjoy Episode 13 of Financial KarMoe with @karyungtom and Moe! 👍 If you enjoyed this episode, please Like, Subscribe, and share it with someone who wants to become a smarter investor. https://youtu.be/OO5d_Qo0ae0
After my last post, @staystronggiver asked how you actually go about choosing a term life policy. She already has coverage through work but wants her own policy on top of it, and that's a smart instinct. Work coverage is a great perk, but leaning on it alone leaves gaps. It usually ends the day you leave the job, it is often capped at one or two times your salary, and you do not own or control it. Your own term policy is different. It stays with you no matter where you work, and it locks in your rate while you are young and healthy so you can size it to what your family needs. Most of the decision comes down to two questions, how much coverage and for how long. For the amount, add up what your family would need to replace your income for the years it matters, plus any debts like a mortgage, then subtract what you already have in savings and work coverage. For the length, match the term to the years people depend on you, usually until the mortgage is gone and the kids are grown. Ten, twenty, and thirty year terms are the common options. There's definitely more nuance than this, but these are the basics. Once you know the amount and term, a few policy features are worth paying for. Level term keeps your premium the same for the whole term instead of creeping up each year. Renewable means you can extend it later without a new medical exam, and convertible means you can switch it to permanent coverage down the road without requalifying. Those two matter because they protect you if your health changes, which is the one thing you cannot get back once it does. Term is close to a commodity, so once you know the amount, term, and features you want, you are mostly shopping on price. A broker who can quote several insurers at once makes that easy, and I would not pay extra for bells and whistles you do not need. The goal is enough coverage for the years that matter, not the biggest policy someone can sell you. @staystronggiver I hope that helps! let me know if you have any other questions about it! For everyone else, do you have your own coverage outside of work, or are you relying on the group plan?read more
We’re only a few sessions from month-end, and a bearish engulfing candle is still on the table if weakness continues. My indicator is flashing a potential reversal too. $QQQ has already pulled back toward $682 after trading near $710 last week. That’s enough to make me pay attention. I’m not calling a top yet, but this is definitely a spot where the trend needs to prove itself. Monthly structure matters here.
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 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
I am very new at cc eft investing (April 2026). Purchased this May 1st of this year. It's down almost 10% at this point. Would you sell or turn on drip suring this down turn? ( I have not been dripping) . I'm still learning and want to know how others work these in their own accounts. None of us are financial advisors I know this.
📈 $JEPQ – Nasdaq Premium Income (A-rated) 💵 $SPYI – High-Income S&P 500 🚀 $QQQI – High-Income Nasdaq-100 📊 $TSPY – S&P 500 + Daily Income 💡 $TDAQ – Innovation 100 + Daily Income 🥇 $KGLD – Gold Enhanced Income ⚡ $XQQI – Boosted Nasdaq (20% Yield) 🛢️ $XLEI – Energy Premium Income 💻 $KQQQ – Tech Titans Select 🔬 $CHPY – Semiconductor Income (41% Yield) Built for investors looking to generate consistent cash flow while staying invested across the market’s strongest sectors. If you could make ONE change, what would it be? 👇 Which ETF would you add, remove, or replace?read more
I'm continuing to build this position because I believe $SOFI is creating a long-term winner by expanding into a full financial ecosystem. Short-term volatility doesn't change my conviction, I’m focused on where this business could be in 5-10 years. Excited to keep adding shares and let compounding do the work. #TeamSoFi
🇰🇷 KOSPI Index: -10.84% 🔻 Memory stocks in pre-market: 🔻 $MU (Micron): -7.50% 🔻 SanDisk: -7.80% 🔻 $WDC (Western Digital): -7.25% 🔻 SK Hynix: -4.77% ⚠️ Heavy selling across the memory chip sector as investors react to the sharp market decline. 💬 Is this a buying opportunity or is more downside ahead? 🤔📊read more
This is all in good fun, but also things I truly believe after decades of investing... - Simplicity compounds, complexity eventually collapses - Bitcoin is a speculative asset... - TAM is a pipe dream & means little for a company’s prospects - Successful investing starts w/humility & accepting less certainty over what comes next - Paying up for 'certainty', within reason, is excellent capital allocation - Buying the dip isn’t a strategy... - Short-term thinking often leads to irrational decisions - If you’re chasing the latest investing fad, you’re most likely late to the party - 'Generational buying opportunities' aren't what most think they are - It’s never "everyone", "no one" or "nobody” as many narratives suggest… - Conviction only matters if you're right, so double-check your homework - A stock trading off its high doesn't equate to ‘trading at a discount' - Arrogance rarely ends well for investors, which is so appropriate - Succumb to FOMO and you’ll be hard pressed to find discipline again - Valuation might not matter now, but it will before you know it… I realize there's no brilliance behind any of that and don’t expect any of it to change the way you invest, so take from it what you will or take nothing at all if that's your preference. My real message? Investing has changed my life & my family's life for the better & I hope it can do the same for you. Well, most of you at least! Cheers…read more
New members: 1.1 million Total members: 15.8 million Revenue: $1.13 billion EPS: $0.12 I’m expecting another strong quarter and a clean beat from $SOFI. NFA — just my personal prediction. read more
I’m watching the 0.618 Fib zone closely. If that level keeps holding, the setup gets a lot more interesting. $10 is still the big resistance overhead. If buyers can reclaim momentum, that’s the level I want to see tested next. Not chasing it here. Just watching the reaction.
I have plenty of books for my 10yr old son about investing and finance but now I finally got books meant for my pre grade 2 son. Very easy to understand, colorful & not boring. Best part is that it covers every aspect of personal finance.
🔥 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 🙏
+1
3,354 views
Join the conversation with 500,000+ other investors 💸
Create an account to get access to everything Blossom has to offer!
📊 Personalized algorithm based on your investing style, experience level and interests
📈 Powerful portfolio and dividend tracking tools
👀 See what top creators and others in the community are investing in
