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
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'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
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
So last Friday while @paulsantori and I were having beers at his fave watering hole, we were chatting about our portfolios and I mentioned how I added $PAYG a few months ago into my portfolio to diversify my international exposure with my $INTY from evolve. (It was Paul that pointed out PAYG to me back then as part of our COFFEE & CASHFLOW chat) Paul mentioned - well PAYG does have international exposure but it does have a significant North American. I said... "hmm my bad - I knew there was some NA but not significant". Today, I looked into comparing PAYG with INTY and even with the new $HHII from Harvest. I was doing this as I was assessing what will be my next reinvesting target as my cash reserve is reaching my 5% target and will need to start reinvesting again. So I had a long conversation with my CoPilot AI.... and here is the results - surprising me.... PAYG is not really an International focused CC ETF. It is more a North American Big Company ETF with an added international exposure - less than 40% of the underlyings. I told AI that my purpose for PAYG was to diversify my INTY for international exposure. It surprisingly said: "PAYG most closely compares to your HDIV - and not that close to INTY". I asked the top three of my holdings that are most closely structured and perform like PAYG... $HDIV - almost a mirror of PAYG - its a HDIV with an added international bi company add on $HYLD - closely structured to PAYG with US but does not have the PAYG internatuonal exposure $CANY - closely structured but with CAD holdings and no payg international exposure. But it said... honorable mentions are my: $BIGY$HHIS SO... what does this mean for my PAYG in my portfolio? Do I have to correct this and rebalance? ANSWER: NO I dont have to rebalance out of PAYG and consider moving the proceeds to something like the more closely INTY matched NEW etf $HHII . PAYG is a better cashflow generating version of HDIV and I will now consider HDIV and PAYG to be my diversification pairing. I will now decide what will be my INTY's diversification pairing. The newly released HHII from Harvest is the strongest candidate as both are pure non-NA international exposure pure plays. And HHII and INTY take two very different positions on international. INTY is the clear winner over HHII when it comes to maximized cashflow - like ~15% vs 28% (and my priority is cashflow). But HHII is far more underlying broadly diversified than INTY. SO... I might add some HHII as it is truly an ANCHOR and INTY is at the bottom of the BOOSTER category. But if I decide to add HHII... it will likely be a 25-75 split HHII INTY... more weight to INTY. Hope this helped others. read more
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
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 want to start dipping my feet in ETFs… My mindset going into beginning my research is to figure out the (however many) main sectors there are, and sort of go from there so I can see how and where the money is coming from before doing anything else - this idea came from what I learned at #blossomcon !! Therefore, a couple questions: 1. What are the main sectors I should focus on 2. Is this a good starting point to begin with 3. If not, how would you go about it read more
🔥 On Saturday over 2,000 Blossomers came out from all across Canada for an incredible day of learning and connection! I was shocked to see close to 1/3 of folks travelled from outside of Toronto to join us, huge thanks to everyone who made the trip! ⚡️ The energy during the day was absolutely buzzing and it was so awesome to meet so many members of the Blossom community! Special shout out to Blossom's Creator of the Year @jacobb and Blossom's Rising Star @nettspend who won our community-nominated Blossom awards 👏 🌱 Blossom has grown from an idea, to an app, to a movement and BlossomCon is the biggest testament to that. To see 2,000 folks from all different walks of life take time out of their weekend to connect, learn, and build financial literacy together is exactly what Blossom is all about and I am so fired up to keep building for this amazing community 💕 😍 Can't wait for BlossomCon Vancouver and New York!!! (https://www.blossomsocial.com/blossomcon2026) 👏 Special shout out to the Harvest ETFs team for being our Headline sponsor for the 3rd year in a row and to all our amazing sponsors for making this event possible 🙏
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 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
$BE Pre-earnings options activity shows a bullish bias despite the recent selloff. Large call buying appeared in the Aug. 21 $230 Calls, with several ask-side sweeps totaling millions in premium. Options market is pricing a wide post-earnings move, while revenue expectations remain positive but EPS estimates are lower quarter over quarter. The key question is whether earnings can change sentiment around the stock. Options flow shows positioning, not a guaranteed outcome.read more
Pentagon greenlights multiyear deal for $GD to build 9 Block VI Virginia-class subs! Shares coiling intraday through the $389.25–$395.43 demand region. Multiyear structure saves ~$2.4B! Despite production lags, long-term defense order backlog remains rock solid. Smart money absorbing liquidity off support!
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.
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
🇰🇷 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
Reached a small milestone today... $SCHD $SCHG $SPYI $QQQI all at 100 shares Next goal, $VTI 100 shares and SCHD 200 shares What would you do next? 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
1,564 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
